Property Type: Detached HouseOwnership: Freehold

4815 SPRUCE AVENUE

Fort Nelson, BC V0C1R0

$219,900

5 bed2 bath1,920 sqftBuilt 1978
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
7,800 square feet

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$2,142.59 (2026)

Interior

Basement
Finished, Full
Heating
Forced air, Natural gas
Fireplace
None

Exterior & Lot

Exterior features
Vinyl siding

Building

Foundation
Preserved Wood
Roof
Asphalt shingle, Conventional

Parking

Features
Detached Garage, Open, RV

Room Dimensions

RoomLevelDimensions
Living roomMain level
Dining roomMain level
KitchenMain level
Primary BedroomMain level
Bedroom 2Main level
Bedroom 3Main level
Family roomBasement
Bedroom 4Basement
Bedroom 5Basement

Listing Information

MLS®
R3144373
Listed
July 8, 2026
Time on market
On the market for 54 days
Tax assessment year
2026
Data last synced
August 28, 2026

Listing provided by: Century 21 Energy Realty · Data source: CREA DDF.

Description

This 5 bedroom, 2 bathroom home is a wonderful family and budget-friendly option that has been lovingly cared for by the same owners for decades. Pride of ownership shines throughout, from the great curb appeal to the clean and inviting interior. The yard is beautifully landscaped with established perennials, a large garden area and a two-tiered deck ideal for relaxing or entertaining. Ample parking is available, including a detached heated double garage. Inside, there is room for everyone, with spacious living areas and a large family room downstairs - perfect for gatherings or a play space. With plenty of storage, room to grow and move-in ready condition, this home is an excellent opportunity for families looking for value, comfort, and charm all in one. This home is a definite must-see! (id:63159)

Values & Trends

This listing

$115/sqft

Building average

No other active listings in this building

Fort Nelson average

$115/sqft

41 active listing(s)

Parking: Not indicatedStorage locker: Not indicated

Per-stall/locker dollar values aren't itemized in our data source — shown as included/not indicated only, not a fabricated estimate. $/sqft averages are computed live from other active listings, not a third-party model.

Location Insights

Weather

Mostly Cloudy

9°C

Mostly Cloudy

Humidity 95%

Wind SSE 3 km/h

Today

22°

Tonight

Wednesday

21°

Wednesday night

11°

Thursday

20°

Thursday night

Source: Environment and Climate Change Canada.

Nearby Schools

SchoolTypeDistance
J S Clark ElementaryElementary530 m
G W Carlson ElementaryElementary565 m
R L Angus ElementaryElementary1.3 km
Fort Nelson SecondarySecondary1.4 km
Chalo School(Independent)K-127.5 km

Schools shown by distance from this property. This does not indicate school catchment or enrollment eligibility — contact the school district to confirm catchment boundaries.

Nearby Transit

No TransLink stops within an ~10-minute walk.

School district: Fort Nelson (SD81)

Mortgage & Ownership Cost Calculator

Minimum required: 5.0% ($10,995) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$175,920.00
Periodic payment — Principal & Interest (monthly)$1,134.98
Additional monthly expenses (strata, tax, utilities, etc.)$274.55
Total monthly cost$1,409.53
Interest paid over 5-yr term$50,419.18
Balance at end of term$158,240.61

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$10,995
Stress test qualifying rate8.09%
Payment you must qualify for$1,606.41

Cash Needed at Closing

Minimum down payment$10,995
Estimated BC PTT$2,398
Legal / closing costs (typical estimate)$1,500
Total cash needed$14,893

Minimum down payment: 5% on the first $500,000, 10% on the portion up to $1.5M, 20% at/above $1.5M. Stress test: OSFI's minimum qualifying rate, the greater of contract rate + 2% or 5.25% — this is what lenders require you to qualify at, not what you'll actually pay. Closing costs are a typical-range estimate, not a quote — actual legal fees vary. Verify all figures with a mortgage broker and lawyer before relying on them.

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