Property Type: Detached HouseOwnership: Freehold

8697 St. Ives Road

St. Ives, BC V0E1M9

$899,900

4 bed2 bath4 parking2,776 sqftBuilt 1992
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Property Details

Property & Lot

Sub-type
House
Stories
1
Lot size
0.22 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$3,050

Interior

Heating
Heat Pump, Baseboard heaters
Cooling / A/C
Heat Pump
Fireplace
Yes (2)
Fireplace type
Free Standing Metal

Exterior & Lot

Exterior features
Cedar Siding
View
Lake view

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
4 — covered indicated
Features
Attached Garage, Detached Garage, RV, Oversize, Additional Parking

Room Dimensions

RoomLevelDimensions
Games roomBasement14' x 32'
DenBasement8' x 12'
BedroomBasement12' x 14'
BedroomBasement11' x 14'
5pc BathroomBasement
Laundry roomMain level5' x 5'
BedroomMain level13' x 12'
Full bathroomMain level
Primary BedroomMain level11' x 15'
Dining roomMain level15' x 11'
Living roomMain level16' x 23'
KitchenMain level10' x 17'

Listing Information

MLS®
10387331
Listed
May 13, 2026
Time on market
On the market for 110 days
Data last synced
August 28, 2026

Listing provided by: Royal LePage Westwin Realty · Data source: CREA DDF.

Description

Tucked along the shores of the North Shuswap, this exceptional lakeview property offers the perfect blend of full-time comfort and recreational lifestyle. Situated on 0.22 acres of level, gated land directly across the street from Shuswap Lake, this well-appointed home is designed for entertaining, relaxing, and storing all the toys that come with lake life. The main floor features an open-concept layout with kitchen, dining, and living areas flowing seamlessly beneath soaring cathedral ceilings finished in warm tongue-and-groove. Large windows and the expansive 40x16 sundeck capture beautiful lake views, creating the ideal setting for family gatherings. Two bedrooms, a full bathroom, and main floor laundry complete the upper level. Downstairs offers a spacious rec room with freestanding wood-burning stove, two additional bedrooms, a 5-piece bathroom, and direct access to the impressive attached garage measuring 38x21 with 10’ ceilings — perfect for boat storage and recreational equipment. A detached 26x24 shop with 220 power provides additional space for projects, storage, or vehicles. Blacktop driveway, gated entry, ductless heat pumps for efficient heating and cooling, and outstanding functionality throughout make this property an ideal year-round residence or Shuswap getaway. (id:63159)

Values & Trends

This listing

$324/sqft

Building average

No other active listings in this building

North Shuswap average

$488/sqft

73 active listing(s)

Parking: 4 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: Salmon Arm

15°C

Humidity 88%

Wind S 5 km/h

Tonight

10°

Tuesday

25°

Tuesday night

14°

Wednesday

23°

Wednesday night

12°

Thursday

20°

Source: Environment and Climate Change Canada.

Nearby Schools

SchoolTypeDistance
North Shuswap ElementaryElementary/Middle17.8 km
Eagle River SecondaryK-1217.9 km
Parkview Elementary SchoolElementary18.4 km
Carlin Elementary MiddleElementary/Middle23.1 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: Okanagan-Shuswap (SD83)

Mortgage & Ownership Cost Calculator

Minimum required: 7.2% ($64,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$719,920.00
Periodic payment — Principal & Interest (monthly)$4,644.68
Additional monthly expenses (strata, tax, utilities, etc.)$393.17
Total monthly cost$5,037.85
Interest paid over 5-yr term$206,331.14
Balance at end of term$647,570.37

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$64,990
Stress test qualifying rate8.09%
Payment you must qualify for$6,420.17

Cash Needed at Closing

Minimum down payment$64,990
Estimated BC PTT$15,998
Legal / closing costs (typical estimate)$1,500
Total cash needed$82,488

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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