Property Type: Land / LotOwnership: Freehold

6120 RANCHETTE ROAD

Horse Lake, BC V0K2E3

$124,900

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Property Details

Property & Lot

Lot size
1.09 acres

Ownership & Fees

Property type
Land / Lot
Ownership
Freehold
Annual property tax
$490.63 (2024)

Interior

Fireplace
None

Listing Information

MLS®
R3106808
Listed
April 3, 2026
Time on market
On the market for 151 days
Tax assessment year
2024
Data last synced
August 28, 2026

Listing provided by: eXp Realty (100 Mile) · Data source: CREA DDF.

Description

Beautiful 1.09-acre treed lot just steps from public access to Horse Lake. With an older roughed-in driveway already in place, this property offers an ideal setting to build your dream home, create a recreational getaway, or enjoy the best of both worlds. Hydro, natural gas, and high-speed internet are available at the lot line. Experience the peaceful Cariboo lifestyle while being less than 10 minutes from the amenities of 100 Mile House. A must-see opportunity! (id:63159)

Location Insights

Weather

Nearest station: 100 Mile House

Cloudy

15°C

Cloudy

Humidity 60%

Wind ESE 9 km/h

Tonight

12°

Tuesday

24°

Tuesday night

15°

Wednesday

21°

Wednesday night

12°

Thursday

18°

Source: Environment and Climate Change Canada.

Nearby Schools

SchoolTypeDistance
Horse Lake ElementaryElementary4.0 km
Peter Skene Ogden SecondarySecondary9.6 km
PSO Outback StorefrontSecondary9.6 km
100 Mile House ElementaryElementary9.6 km
Mile 108 ElementaryElementary17.6 km
Forest Grove ElementaryElementary19.3 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: Cariboo-Chilcotin (SD27)

Mortgage & Ownership Cost Calculator

Minimum required: 5.0% ($6,245) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$99,920.00
Periodic payment — Principal & Interest (monthly)$644.65
Additional monthly expenses (strata, tax, utilities, etc.)$40.89
Total monthly cost$685.54
Interest paid over 5-yr term$28,637.36
Balance at end of term$89,878.36

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$6,245
Stress test qualifying rate8.09%
Payment you must qualify for$912.42

Cash Needed at Closing

Minimum down payment$6,245
Estimated BC PTT$1,249
Legal / closing costs (typical estimate)$1,500
Total cash needed$8,994

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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