Property Type: Detached HouseOwnership: Freehold

664 Ainslie Road

Harrop, BC V1L6P6

$1,399,000

5 bed4 bath2 parking3,275 sqftBuilt 2002
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Property Details

Property & Lot

Sub-type
House
Stories
2.5
Lot size
0.45 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,715

Interior

Heating
Baseboard heaters, Stove, Electric, Wood
Fireplace
Yes (2)
Fireplace type
Wood, Conventional
Flooring
Tile, Hardwood

Exterior & Lot

Exterior features
Stucco
Waterfront
Waterfront on lake

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
2 — covered indicated
Features
Attached Garage

Room Dimensions

RoomLevelDimensions
SaunaLower level6'4'' x 5'2''
BedroomLower level9'9'' x 16'0''
Full bathroomLower level8'7'' x 4'10''
Utility roomLower level16'6'' x 6'1''
BedroomLower level12'10'' x 8'11''
Wine CellarLower level6'0'' x 6'1''
Family roomLower level17'11'' x 16'4''
Games roomLower level17'6'' x 16'4''
Full bathroomSecond level4'10'' x 8'10''
BedroomSecond level12'2'' x 16'0''
Laundry roomMain level2'6'' x 5'6''
PantryMain level8'0'' x 3'7''
KitchenMain level10'0'' x 16'4''
Dining roomMain level10'0'' x 16'4''
Living roomMain level17'2'' x 16'4''
Full ensuite bathroomMain level
Primary BedroomMain level14'7'' x 11'2''
BedroomMain level14'7'' x 11'2''
Full bathroomMain level8'11'' x 5'11''
Mud roomMain level5'0'' x 10'0''

Listing Information

MLS®
10384831
Listed
April 27, 2026
Time on market
On the market for 126 days
Data last synced
August 28, 2026

Listing provided by: Fair Realty (Nelson) · Data source: CREA DDF.

Description

Where mountain grandeur meets the tranquil shoreline, 664 Ainslie Road is a rare offering that defines lakeside luxury. Set on a pristine 0.45-acre waterfront lot, this meticulously maintained 5-bedroom, 4-bathroom retreat delivers an exceptional lifestyle from the moment you arrive. Step inside to soaring open ceilings, rich hardwood floors, and hand-hewn timber beams that set a warm, architectural tone throughout the main level. Two wood-burning fireplaces anchor the living spaces with undeniable charm, while the chef’s kitchen impresses with a generous island and full pantry — ideal for entertaining after a day on the water. Natural light pours in from every angle, framing breathtaking mountain views that never grow old. The spacious lower level is built for living. A large family room and dedicated games room provide room for everyone, complemented by two additional bedrooms, a rejuvenating electric sauna, and a practical cold room — a thoughtful combination of wellness and utility rarely found at this level. Outside, the property truly shines. A flat, manicured yard leads to a large private dock ready for boats, paddleboards, and summer afternoons. The beachfront is immaculate — groomed and cared for with obvious pride — and a beautifully appointed fire pit area creates the perfect setting for golden-hour gatherings under open skies. Complete with a double attached garage, this is a property where nothing has been overlooked and everything has been loved. (id:63159)

Values & Trends

This listing

$427/sqft

Building average

No other active listings in this building

Harrop/Procter average

$760/sqft

12 active listing(s)

Parking: 2 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: Nelson

16°C

Humidity 65%

Wind E 4 km/h

Tonight

10°

Tuesday

27°

Tuesday night

13°

Wednesday

20°

Wednesday night

12°

Thursday

18°

Source: Environment and Climate Change Canada.

Nearby Schools

SchoolTypeDistance
Redfish Elementary SchoolElementary1.2 km
des Sentiers-alpinsElementary/Middle12.5 km
Crawford Bay Elem-SecondaryK-1218.7 km
Nelson Christian Community School(Independent)Elementary/Middle18.7 km
L V Rogers SecondarySecondary19.3 km
Secondaire de NelsonSecondary19.3 km
Hume Elementary SchoolElementary19.7 km
South Nelson ElementaryElementary20.8 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: Kootenay Lake (SD8)

Mortgage & Ownership Cost Calculator

Minimum required: 8.2% ($114,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,119,200.00
Periodic payment — Principal & Interest (monthly)$7,220.70
Additional monthly expenses (strata, tax, utilities, etc.)$556.92
Total monthly cost$7,777.62
Interest paid over 5-yr term$320,765.94
Balance at end of term$1,006,724.02

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$114,900
Stress test qualifying rate8.09%
Payment you must qualify for$9,874.28

Cash Needed at Closing

Minimum down payment$114,900
Estimated BC PTT$25,980
Legal / closing costs (typical estimate)$1,500
Total cash needed$142,380

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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