Property Type: Detached HouseOwnership: Freehold

4851 13 Street NE

Salmon Arm, BC V1E3P1

$765,000

3 bed4.5 bath2 parking2,993 sqftBuilt 1990
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Property Details

Property & Lot

Sub-type
House
Stories
3
Lot size
0.23 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,651

Interior

Basement
Full
Heating
Forced air, See remarks
Fireplace
Yes (2)
Fireplace type
Gas, Unknown

Exterior & Lot

View
Lake view, Mountain view

Parking

Total spaces
2 — covered indicated
Features
Attached Garage, RV

Room Dimensions

RoomLevelDimensions
Full bathroomLower level
Family roomLower level13'10'' x 15'3''
KitchenAdditional Accommodation10' x 11'4''
Recreation roomLower level15'1'' x 26'7''
Full bathroomSecond level
BedroomSecond level11'10'' x 10'11''
BedroomSecond level11'10'' x 10'10''
Full ensuite bathroomSecond level
Primary BedroomSecond level20' x 15'5''
Partial bathroomMain level
Laundry roomMain level6'9'' x 8'4''
Dining roomMain level9'7'' x 11'5''
Family roomMain level15'9'' x 11'3''
Living roomMain level11'9'' x 16'8''
KitchenMain level16'11'' x 15'5''

Listing Information

MLS®
10394708
Listed
July 14, 2026
Time on market
On the market for 48 days
Data last synced
August 28, 2026

Listing provided by: REMAX Shuswap · Data source: CREA DDF.

Description

Located in the popular Raven subdivision, this 3-bedroom plus den home offers a functional layout, recent updates, and great flexibility. Close to parks, walking trails, and on the school bus route, it's an excellent choice for families. Recent improvements include new flooring on the main level, replacement of the poly-B plumbing, and a high-efficiency furnace installed in 2021. The main floor features a comfortable living room and dining area separated by a cozy three-sided fireplace and spacious living room along with a large kitchen offering a central island, gas range, plenty of cabinetry, and generous counter space. Upstairs you'll find three good-sized bedrooms, including the primary bedroom with double closets and a private ensuite. Two additional bedrooms share a full 4-piece bathroom. The lower level includes a versatile rec room or den that could also serve as a fourth bedroom, home office, gym, or hobby room, along with plenty of storage. A non-conforming bachelor suite with its own entrance is currently rented for $1,000 per month, providing mortgage-helping income. Outside, the flat, fenced corner lot offers plenty of room for kids, pets, and gardening. While a new owner may wish to complete some cosmetic updates over time, many of the major improvements have already been done. With a practical floor plan, recent mechanical upgrades, rental income, and a desirable neighborhood, this home offers excellent value and plenty of potential. Seller is motivated. (id:63159)

Values & Trends

This listing

$256/sqft

Building average

No other active listings in this building

NE Salmon Arm average

$398/sqft

66 active listing(s)

Parking: 2 stall(s) includedStorage 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

16°C

Humidity 84%

Wind SSE 5 km/h

Tonight

10°

Tuesday

25°

Tuesday night

14°

Wednesday

23°

Wednesday night

12°

Thursday

20°

Source: Environment and Climate Change Canada.

Population

19,432

(2021 Census)

+9.7% since 2016

Density: 125.2/km²

Dwellings: 8,517

Median household income: $75,000

After-tax: $68,000

Immigrant population: 10.2%

Top countries of origin (% of total population)

  • United Kingdom2.4% · 460
  • United States of America1.1% · 210
  • Germany0.9% · 170
  • Netherlands0.7% · 145
  • Philippines0.7% · 140
  • Poland0.3% · 55
  • China0.3% · 55
  • India0.3% · 50

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

11

1/9 categories nearby

Transit

Not enough data yet

How this is calculated

Amenities: points awarded per category (restaurants, cafes, grocery, parks, shopping, gyms, pharmacies, banks/ATMs, healthcare) based on distance to the nearest one — 3 points under 200m, 2 points under 500m, 1 point under 800m — summed across all 9 categories and scaled to 0–100.

Transit: based on the number of transit stops within 800m and their mode (SkyTrain weighted highest, then streetcar/ferry, then bus). This reflects stop type and count only — our data doesn't include how often a route actually runs, so frequency is never factored in.

Both scores depend on how much of the surrounding area has been synced from OpenStreetMap and TransLink's GTFS feed. A lower score can mean fewer amenities nearby, or simply that this area hasn't been fully synced yet — not a confident measurement of the location itself.

Nearby Schools

SchoolTypeDistance
Shuswap SDA(Independent)Elementary/Middle1.9 km
Salmon Arm SecondarySecondary2.8 km
Bastion ElementaryElementary3.0 km
North Canoe ElementaryElementary3.2 km
J.L. Jackson SecondarySecondary3.5 km
South Broadview ElementaryElementary3.9 km
King's Christian School(Independent)K-123.9 km
Shuswap Middle SchoolMiddle4.4 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.

Nearby Places

Parks (1)

  • Raven Park189 m

Nearby places data: © OpenStreetMap contributors.

School district: Okanagan-Shuswap (SD83)

Mortgage & Ownership Cost Calculator

Minimum required: 6.7% ($51,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$612,000.00
Periodic payment — Principal & Interest (monthly)$3,948.42
Additional monthly expenses (strata, tax, utilities, etc.)$537.58
Total monthly cost$4,486.00
Interest paid over 5-yr term$175,400.96
Balance at end of term$550,495.98

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$51,500
Stress test qualifying rate8.09%
Payment you must qualify for$5,486.57

Cash Needed at Closing

Minimum down payment$51,500
Estimated BC PTT$13,300
Legal / closing costs (typical estimate)$1,500
Total cash needed$66,300

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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