Property Type: Detached HouseOwnership: FreeholdNEW LISTING

640 FRASER Street

Kamloops, BC V2C3H2

$829,900

4 bed2 bath2,900 sqftBuilt 1956
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Property Details

Property & Lot

Sub-type
House
Style
Ranch
Stories
2
Lot size
0.19 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$5,181.24

Interior

Heating
Forced air, See remarks
Cooling / A/C
Central air conditioning
Fireplace
Yes (2)
Fireplace type
Wood, Gas, Conventional, Unknown
Flooring
Hardwood, Mixed Flooring
Appliances
Refrigerator, Cooktop - Gas, Range - Gas, Dishwasher, Oven - Built-In, See remarks, Washer & Dryer

Exterior & Lot

Lot features
Central island

Building

Roof
Asphalt shingle, Unknown
Water source
Municipal water
Sewer
Municipal sewage system
Parcel ID (PID)
010-250-077

Parking

Features
Additional Parking

Room Dimensions

RoomLevelDimensions
Utility roomBasement12'5'' x 17'5''
3pc BathroomBasement
Recreation roomBasement13' x 15'6''
Games roomBasement10'6'' x 21'6''
BedroomBasement12'6'' x 14'6''
4pc BathroomMain level
BedroomMain level9' x 11'
BedroomMain level9' x 10'
Primary BedroomMain level10' x 11'
KitchenMain level8'6'' x 16'
LibraryMain level10' x 14'
Living roomMain level14' x 17'
FoyerMain level4' x 5'8''

Listing Information

MLS®
10398752
Listed
August 28, 2026
Time on market
On the market for 3 days
Data last synced
September 1, 2026

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

Description

Welcome to this beautifully maintained 4 bedroom, 2 bathroom family home featuring 2900 sq ft of living space. This home offers a warm and inviting layout, quality finishes & an incredible backyard setting! Upon entering the home you will find the spacious kitchen complete with maple shaker cabinetry, a 5-burner gas range, an island, double wall oven & plenty of space for everyday living & entertaining. Lovely dining room opens up to the oversized living room with a cozy natural gas fireplace & large windows showcasing the city & mountain views. Natural European Marmoleum flooring in the kitchen & bathrooms pairs beautifully with oak hardwood throughout the main level. Upstairs you will find 3 bedrooms and a full bathroom. Downstairs you will find a bright, primary suite with walk-in closet and ensuite, rec room w/ wood fireplace and large laundry/storage room (could add in 3rd bath). In-law suite potential if desired with separate entrance from basement & access to backyard on both sides of home. Outside, a large sundeck overlooks the beautifully landscaped, tiered backyard with terraced gardens and storage shed. Laneway access with room to store your items & toys and backs onto quiet greenspace. Short walk to schools, Peterson Creek Park, hospital and downtown. Book your private viewing today! (id:63159)

Values & Trends

This listing

$286/sqft

Building average

No other active listings in this building

South Kamloops average

$399/sqft

28 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

22°C

Mostly Cloudy

Humidity 48%

Wind ESE 20 km/h

Tonight

13°

Tuesday

28°

Tuesday night

16°

Wednesday

25°

Wednesday night

15°

Thursday

23°

Source: Environment and Climate Change Canada.

Population

97,902

(2021 Census)

+8.4% since 2016

Density: 328.6/km²

Dwellings: 41,619

Median household income: $88,000

After-tax: $78,000

Immigrant population: 9.9%

Top countries of origin (% of total population)

  • United Kingdom1.5% · 1,425
  • India1.3% · 1,240
  • United States of America0.8% · 790
  • Philippines0.8% · 750
  • Germany0.6% · 555
  • Italy0.5% · 535
  • China0.3% · 320
  • South Africa, Republic of0.3% · 250

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

7

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
South Kamloops SecondarySecondary362 m
Kamloops School of the ArtsK-12434 m
Ecole Lloyd George ElementaryElementary692 m
First Baptist Classical Academy of Kamloops(Independent)K-12869 m
St. Ann's Academy(Independent)K-121.1 km
South Sa-Hali ElementaryElementary1.3 km
Sa-Hali SecondaryElementary1.4 km
Beattie ElementaryElementary2.0 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 (5+)

  • Cowan Park · 697 COWAN ST229 m
  • Peterson Creek Nature Park · 1440 GLENFAIR DR236 m
  • Peterson Creek Nature Park · 1440 GLENFAIR DR291 m
  • Kinsmen South Tot Lot · 975 PLEASANT ST510 m
  • Sahali Terrace (RIH) Park · 980 3rd Avenue783 m

Nearby places data: © OpenStreetMap contributors.

School district: Kamloops-Thompson (SD73)

Mortgage & Ownership Cost Calculator

Minimum required: 7.0% ($57,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$663,920.00
Periodic payment — Principal & Interest (monthly)$4,283.39
Additional monthly expenses (strata, tax, utilities, etc.)$576.77
Total monthly cost$4,860.16
Interest paid over 5-yr term$190,281.38
Balance at end of term$597,198.19

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$57,990
Stress test qualifying rate8.09%
Payment you must qualify for$5,935.72

Cash Needed at Closing

Minimum down payment$57,990
Estimated BC PTT$14,598
Legal / closing costs (typical estimate)$1,500
Total cash needed$74,088

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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