Property Type: Land / LotOwnership: Freehold

Lot 23 Hilltop Road

Windermere, BC V0A1K3

$399,000

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Property Details

Property & Lot

Sub-type
Other
Lot size
0.24 acres

Ownership & Fees

Property type
Land / Lot
Ownership
Freehold
Annual property tax
$2,269

Interior

Fireplace
None

Exterior & Lot

View
Lake view, Mountain view, Valley view

Listing Information

MLS®
10379401
Listed
March 14, 2026
Time on market
On the market for 170 days
Data last synced
August 28, 2026

Listing provided by: CIR Realty · Data source: CREA DDF.

Description

Rare Opportunity – Premium Walk-Out Lake & Mountain View Lot on Hilltop Rd., Windermere Opportunities like this are becoming increasingly rare. One of the final premium walk-out lots on Hilltop Road, this exceptional property captures sweeping, unobstructed views of Lake Windermere and the Purcell Mountains. Measuring 72 by 138 feet, the lot provides an outstanding setting to design and build a custom home that fully embraces the surrounding landscape. The gentle slope of the property naturally lends itself to a walk-out lower level and offers excellent potential for indoor-outdoor living, while still leaving plenty of space for parking and thoughtful landscaping. Whether you envision a modern mountain retreat or a year-round residence, this lot offers the perfect foundation to bring that vision to life. Only a short stroll to the private Baltac Community beach, the setting strikes a perfect balance between convenience and tranquility. Tucked within a quiet, established neighborhood with great neighbors on both sides, it provides a peaceful environment while remaining close to all the amenities the Columbia Valley has to offer. With very few building lots remaining in this highly sought-after area, this property represents not only an exceptional place to build but also a solid long-term investment. Rare opportunities like this don’t come along often. Home renderings were created using AI. (id:63159)

Location Insights

Weather

Nearest station: Invermere

Tonight

Tuesday

27°

Tuesday night

13°

Wednesday

22°

Wednesday night

10°

Thursday

18°

Source: Environment and Climate Change Canada.

Nearby Schools

SchoolTypeDistance
Windermere ElementaryElementary2.1 km
Eileen Madson Primary SchoolElementary3.8 km
David Thompson SecondarySecondary4.1 km
J Alfred Laird ElementaryElementary4.1 km
Open Doors Alternate EducationSecondary4.1 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: Rocky Mountain (SD6)

Mortgage & Ownership Cost Calculator

Minimum required: 5.0% ($19,950) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$319,200.00
Periodic payment — Principal & Interest (monthly)$2,059.37
Additional monthly expenses (strata, tax, utilities, etc.)$189.08
Total monthly cost$2,248.45
Interest paid over 5-yr term$91,483.64
Balance at end of term$287,121.43

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$19,950
Stress test qualifying rate8.09%
Payment you must qualify for$2,914.76

Cash Needed at Closing

Minimum down payment$19,950
Estimated BC PTT$5,980
Legal / closing costs (typical estimate)$1,500
Total cash needed$27,430

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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