Property Type: Land / LotOwnership: Freehold

Lot 92 - Montane Parkway

Fernie, BC V0B1M4

$549,000

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Property Details

Property & Lot

Sub-type
Other
Lot size
1.37 acres

Ownership & Fees

Property type
Land / Lot
Ownership
Freehold
Annual property tax
$0

Interior

Fireplace
None

Listing Information

MLS®
10366554
Listed
October 23, 2025
Time on market
On the market for 312 days
Data last synced
August 28, 2026

Listing provided by: Century 21 Mountain Lifestyles Inc. · Data source: CREA DDF.

Description

The Estate Lots, Montane Fernie - Lot 92, 1.37 Acres Discover the perfect balance of nature, community, and design in The Estate Lots at Montane Fernie. Featuring five exclusive estate lots, this premier collection offers a rare opportunity to build your dream home in one of Fernie’s most sought-after neighborhoods. Set within a breathtaking alpine landscape, Montane is thoughtfully planned to celebrate its spectacular surroundings—where forested trails, mountain views, and abundant year-round recreation are just steps from your door. Located within easy walking distance to Fernie’s vibrant historic downtown, Montane blends modern mountain living with the area’s rich heritage and natural beauty. Each estate home will harmonize with the landscape, ensuring minimal site disruption and a seamless connection to the alpine environment. Comprehensive building guidelines are thoughtfully crafted to complement the natural landscape while providing flexibility for Modern Mountain design plans—a style that embraces natural materials, clean lines, and contemporary mountain architecture. The result is a cohesive, inspiring community that preserves and enhances the indigenous environment, fostering a true sense of place and belonging. Whether you envision a private retreat, a full-time residence, or a legacy property for generations to come, The Estate Lots at Montane Fernie offer the foundation for inspired mountain living—rooted in nature, design, and community. GST is applicable. (id:63159)

Location Insights

Weather

Nearest station: Sparwood

Mainly Sunny

12°C

Mainly Sunny

Humidity 72%

Wind SE 4 km/h

Tonight

Tuesday

26°

Tuesday night

Wednesday

21°

Wednesday night

Thursday

18°

Source: Environment and Climate Change Canada.

Population

6,320

(2021 Census)

+17.1% since 2016

Density: 418.3/km²

Dwellings: 3,256

Median household income: $107,000

After-tax: $92,000

Immigrant population: 13.8%

Top countries of origin (% of total population)

  • United Kingdom4.4% · 275
  • United States of America1.3% · 80
  • Germany0.8% · 50
  • Italy0.6% · 40
  • France0.6% · 35
  • Philippines0.5% · 30
  • Russian Federation0.2% · 15
  • Hong Kong0.2% · 15

Source: Statistics Canada, 2021 Census of Population.

Nearby Schools

SchoolTypeDistance
Sophie-MorigeauElementary932 m
The Fernie Academy(Independent)K-121.0 km
Isabella Dicken ElementaryElementary1.8 km
Fernie SecondaryK-122.3 km
Jaffray Elem-Jr SecondaryElementary/Middle22.2 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: South East Kootenay (SD5)

Mortgage & Ownership Cost Calculator

Minimum required: 5.4% ($29,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$439,200.00
Periodic payment — Principal & Interest (monthly)$2,833.57
Additional monthly expenses (strata, tax, utilities, etc.)$0.00
Total monthly cost$2,833.57
Interest paid over 5-yr term$125,875.98
Balance at end of term$395,061.82

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$29,900
Stress test qualifying rate8.09%
Payment you must qualify for$3,991.70

Cash Needed at Closing

Minimum down payment$29,900
Estimated BC PTT$8,980
Legal / closing costs (typical estimate)$1,500
Total cash needed$40,380

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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