Property Type: Detached HouseOwnership: Freehold

4856 32 Street

Canyon, BC V0B1C1

$1,099,000

3 bed3.5 bath20 parking2,400 sqftBuilt 1975
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
19.7 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,457

Interior

Basement
Full
Heating
Heat Pump, Baseboard heaters
Cooling / A/C
Heat Pump
Fireplace
Yes (1)
Fireplace type
Wood, Conventional
Flooring
Mixed Flooring

Exterior & Lot

Exterior features
Stucco, Other
View
Mountain view

Building

Roof
Metal, Unknown

Parking

Total spaces
20 — covered indicated
Features
Detached Garage, Covered, Stall, RV, Additional Parking

Room Dimensions

RoomLevelDimensions
Laundry roomLower level10'0'' x 14'0''
OtherLower level5'0'' x 14'0''
Recreation roomLower level21'3'' x 14'0''
3pc BathroomLower level
2pc BathroomMain level
4pc BathroomMain level
KitchenMain level13'2'' x 8'10''
Dining roomMain level15'0'' x 9'8''
Living roomMain level19'3'' x 18'0''
FoyerMain level12'0'' x 6'5''
BedroomLower level15'7'' x 19'0''
BedroomMain level14'4'' x 12'0''
Primary BedroomMain level14'0'' x 15'0''

Listing Information

MLS®
10390497
Listed
June 6, 2026
Time on market
On the market for 87 days
Data last synced
August 28, 2026

Listing provided by: Easy List Realty · Data source: CREA DDF.

Description

*** For more information, please click Brochure button. *** 19.7 acres corner lot, in desirable area of Canyon B.C. land in A.L.R. Trails are steps away to walk or ride horses on crown land, sustainable living, raise animals ,grow your own food, property abounds with wild life. Main home has newer service panel, heat pump, stair lift for person with mobility issues. Bonus, secondary home site with own address, septic system, water hook up and electrical and cable service, can be potentially re-activated for mobile home or recreation vehicle. Out building includes rustic horse shelter, tack room, garage, work shop, chicken coop, property also features electric fencing, two auto waters, spring fed creek through forest (not in photos) and large pond with trail around on property. About half of property forested. Part of property has good black soil for growing, currently have apple trees, cherry trees, pear tree, raspberry, blueberry bushes and grapes. Property is on school bus route and maintained in winter. Town of Creston is about ten minutes away. Property was previously used for horses. Home is currently tenant-occupied on month to month basis. (id:63159)

Values & Trends

This listing

$458/sqft

Building average

No other active listings in this building

Lister average

$274/sqft

6 active listing(s)

Parking: 20 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

Nearest station: Creston

15°C

Humidity 67%

Wind NW calm km/h

Tonight

12°

Tuesday

28°

Tuesday night

14°

Wednesday

20°

Wednesday night

12°

Thursday

18°

Source: Environment and Climate Change Canada.

Nearby Schools

SchoolTypeDistance
Canyon/Lister ElementaryElementary2.9 km
Erickson ElementaryElementary4.5 km
Mormon Hills Elementary Secondary(Independent)Elementary/Middle4.9 km
Yaqan Nukiy School(Independent)Elementary6.4 km
Kootenay River SecondarySecondary6.8 km
Adam Robertson ElementaryElementary7.8 km
Kootenay Valley Christian School(Independent)Elementary/Middle9.2 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: Kootenay Lake (SD8)

Mortgage & Ownership Cost Calculator

Minimum required: 7.7% ($84,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$879,200.00
Periodic payment — Principal & Interest (monthly)$5,672.30
Additional monthly expenses (strata, tax, utilities, etc.)$491.42
Total monthly cost$6,163.72
Interest paid over 5-yr term$251,981.25
Balance at end of term$790,843.24

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$84,900
Stress test qualifying rate8.09%
Payment you must qualify for$7,798.07

Cash Needed at Closing

Minimum down payment$84,900
Estimated BC PTT$19,980
Legal / closing costs (typical estimate)$1,500
Total cash needed$106,380

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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