Property Type: Detached HouseOwnership: Freehold

605/607 RAILWAY Avenue

Ashcroft, BC V0K1A0

$647,900

2 bed2.5 bath1,758 sqftBuilt 2021
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Property Details

Property & Lot

Sub-type
House
Stories
1
Lot size
0.28 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$5,288

Interior

Heating
Forced air
Cooling / A/C
Central air conditioning
Fireplace
Yes (1)
Fireplace type
Wood, Conventional
Flooring
Other

Exterior & Lot

Exterior features
Other

Building

Foundation
Block
Roof
Metal, Unknown

Parking

Features
Other, RV, Street

Room Dimensions

RoomLevelDimensions
OfficeSecond level14'8'' x 14'5''
BedroomSecond level11'9'' x 11'9''
Laundry roomSecond level5'11'' x 9'4''
Primary BedroomSecond level15'3'' x 14'1''
PantryMain level8'7'' x 5'10''
Living roomMain level14'7'' x 14'4''
Dining roomMain level12'2'' x 14'4''
KitchenMain level17'10'' x 13'3''
Full ensuite bathroomSecond level11'4'' x 9'4''
Partial bathroomMain level

Listing Information

MLS®
10384291
Listed
April 23, 2026
Time on market
On the market for 130 days
Data last synced
August 28, 2026

Listing provided by: eXp Realty (Kamloops) · Data source: CREA DDF.

Description

Turnkey investment, a live/work opportunity, a low-maintenance home with income,? This mixed-use property offers possibilities rarely found in one package. 2 lots downtown Ashcroft across from a beautiful park, built in 2021. Fully leased commercial space has been occupied by the same tenant since construction, the rear residence has been successfully operated by the current owner as a 5 star short-term rental. Continue the current setup, live in the residence while benefiting from rental income, or explore the property's many possibilities. Commercial and residential spaces each have separate services, meters, high-efficiency furnaces with central air, Hardie board siding, an aluminum roof, and the balance of the 10-year home warranty. The commercial space features attractive storefronts, 2 washrooms, a mechanical room, and front and side patios. Residence offers an open-concept main floor with a beautiful kitchen, a 6-foot island, pantry, gas range, ss appliances, spacious dining and living areas, cozy wood stove, 2 patios including one covered, a bathroom, large storage, and oversized windows that fill the home with natural light. Upstairs are 2 large bedrooms, a walk-in closet, a family room, could convert to a third bedroom, a sundeck a bathroom with dual sinks, and upstairs laundry. The adjacent fully fenced lot includes a 20' x 30' Coverall RV shelter/shop, portable storage buildings, raised garden beds, peach trees, and a charming courtyard with a stage. (id:63159)

Values & Trends

This listing

$369/sqft

Building average

No other active listings in this building

Ashcroft average

$279/sqft

17 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

Nearest station: Cache Creek

19°C

Humidity 49%

Wind SSE 2 km/h

Tonight

13°

Tuesday

28°

Tuesday night

16°

Wednesday

25°

Wednesday night

15°

Thursday

23°

Source: Environment and Climate Change Canada.

Population

1,670

(2021 Census)

+7.2% since 2016

Density: 32.8/km²

Dwellings: 876

Median household income: $63,600

After-tax: $59,600

Immigrant population: 9.9%

Top countries of origin (% of total population)

  • United Kingdom3% · 50
  • United States of America2.4% · 40
  • Germany1.2% · 20
  • Netherlands0.9% · 15

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

41

5/9 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
Desert Sands Community SchoolK-121.8 km
Cache Creek ElementaryElementary10.5 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.

Nearby Places

Cafes (1)

  • Ashcroft Bakery & Coffee Shop · 151 3rd Street370 m

Parks (2)

  • Heritage Place Park44 m
  • Unnamed416 m

Shopping (1)

  • FIELDS · 350 Railway Avenue300 m

Pharmacies (1)

  • I.D.A. · 210 Railway Avenue434 m

Banks & ATMs (1)

  • Interior Savings · 201 Railway Avenue481 m

Nearby places data: © OpenStreetMap contributors.

School district: Gold Trail (SD74)

Mortgage & Ownership Cost Calculator

Minimum required: 6.1% ($39,790) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$518,320.00
Periodic payment — Principal & Interest (monthly)$3,344.02
Additional monthly expenses (strata, tax, utilities, etc.)$528.67
Total monthly cost$3,872.69
Interest paid over 5-yr term$148,552.00
Balance at end of term$466,230.52

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$39,790
Stress test qualifying rate8.09%
Payment you must qualify for$4,676.15

Cash Needed at Closing

Minimum down payment$39,790
Estimated BC PTT$10,958
Legal / closing costs (typical estimate)$1,500
Total cash needed$52,248

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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