Property Type: Detached HouseOwnership: Freehold

650 Trinity Valley Road

Lumby, BC V0E2G4

$695,000

3 bed1 bath1,151 sqftBuilt 1997
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Property Details

Property & Lot

Sub-type
House
Stories
1.5
Lot size
80 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$1,603

Interior

Heating
See remarks
Fireplace
None

Building

Roof
Metal, Unknown

Room Dimensions

RoomLevelDimensions
BedroomSecond level13' x 14'
BedroomSecond level11' x 6'8''
FoyerMain level4' x 10'
KitchenMain level7'1'' x 17'4''
Dining roomMain level11'9'' x 7'1''
Primary BedroomMain level9'7'' x 15'
4pc BathroomMain level5'6'' x 9'6''
SunroomMain level19' x 7'7''
Living roomMain level16'5'' x 12'3''

Listing Information

MLS®
10388122
Listed
May 21, 2026
Time on market
On the market for 102 days
Data last synced
August 28, 2026

Listing provided by: LandQuest Realty Corp. (Interior) · Data source: CREA DDF.

Description

Eighty private acres in Trinity Valley, where the setting does most of the talking. Centred around a scenic pond and wetland area, this off-grid acreage offers the kind of seclusion, quiet, and natural beauty that is increasingly hard to find. It is the type of property that immediately changes the pace around you, with open sky, mature trees, wildlife, and a true sense of separation from the outside world. For the right buyer, the appeal is not only what is here today, but what the property could become. There is room to expand the homestead, develop more food-producing space, create additional outdoor living areas, improve trails, establish a recreational basecamp, or simply preserve the land as a private retreat. With access to the backcountry lifestyle, the property is well suited to those looking for more independence, more privacy, and more connection to the land. The property runs on solar power with generator backup and includes a main residence, cabin-style guest outbuilding, a 40 x 30 ft shop on a concrete slab, and a combined storage, firewood, and chicken coop structure. The core infrastructure is already in place, giving a new owner a strong starting point without taking away the opportunity to shape the property around their own vision. Whether that vision is off-grid living, a rural homestead, a recreational escape, or a long-term family retreat, this is a property with space to grow into. Lumby is just 25 to 30 minutes away for everyday needs. (id:63159)

Values & Trends

This listing

$604/sqft

Building average

No other active listings in this building

Trinity Valley average

$650/sqft

3 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: Vernon

18°C

Humidity 66%

Wind ESE 16 km/h

Tonight

11°

Tuesday

27°

Tuesday night

14°

Wednesday

24°

Wednesday night

13°

Thursday

19°

Source: Environment and Climate Change Canada.

Population

2,063

(2021 Census)

+12.5% since 2016

Density: 347.9/km²

Dwellings: 861

Median household income: $77,000

After-tax: $70,500

Immigrant population: 9.2%

Top countries of origin (% of total population)

  • United Kingdom2.9% · 60
  • United States of America1.2% · 25
  • Netherlands0.5% · 10

Source: Statistics Canada, 2021 Census of Population.

Nearby Schools

SchoolTypeDistance
J W Inglis ElementaryElementary10.3 km
Charles Bloom SecondaryK-1210.8 km
Crossroads Learning CentreSecondary10.9 km
Okanagan Waldorf School(Independent)Elementary15.2 km
Lavington ElementaryElementary16.7 km
B X ElementaryElementary20.1 km
Armstrong ElementaryElementary20.6 km
Len Wood Middle SchoolMiddle20.8 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: Vernon (SD22)

Similar Listings Nearby

No similar listings found nearby right now.

Mortgage & Ownership Cost Calculator

Minimum required: 6.4% ($44,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$556,000.00
Periodic payment — Principal & Interest (monthly)$3,587.12
Additional monthly expenses (strata, tax, utilities, etc.)$191.58
Total monthly cost$3,778.71
Interest paid over 5-yr term$159,351.20
Balance at end of term$500,123.80

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$44,500
Stress test qualifying rate8.09%
Payment you must qualify for$5,002.12

Cash Needed at Closing

Minimum down payment$44,500
Estimated BC PTT$11,900
Legal / closing costs (typical estimate)$1,500
Total cash needed$57,900

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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