38 3614 Kalum Street

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$229,900

38 3614 Kalum Street

Terrace · MLS® R3178286

924 sq ft · House · Single Family · built 2016 · 2 days on market

listed by Dawn Monsen, RE/MAX Coast Mountains

realtor's description

Looking for the perfect place to start out or downsize without sacrificing space? This inviting 2-bedroom, 2-bathroom home checks all the boxes! Ideally located close to downtown and everyday amenities, this bright and spacious home offers a welcoming feel with a thoughtful floorplan. The living and dining areas sit at the heart of the home, perfect for entertaining, while the primary bedroom is tucked away at the back with its own 3-piece ensuite featuring a walk-in shower and a small walk-in closet. A second bedroom and full bathroom at the front provide added privacy for guests or family. Outside, enjoy one of the largest fully fenced yards in the park—with plenty of room to garden, relax or let your outdoor ideas take shape. This one i

property details

type: House, Single Family
bedrooms: 2
bathrooms: 2
living area: 924 sq ft
parking: 0
year built: 2016
property tax: $1,794 / yr
days on market: 2
MLS®: R3178286

the market here

listed now: 62 days; median for 95 houses for sale; this one 2 days

Houses in Terrace. Sale prices register 1 to 3 months after a sale closes.

property tax by year

year	assessed	est. tax
2026	$215,000	$1,749

The listing shows $1,794 a year in property tax.

Estimate: the BC Assessment value times Terrace's residential tax rate for that year (Province of BC, local government statistics). Leaves out the home owner grant, parcel taxes and utility charges; the city's tax notice is the real figure.

monthly cost

$1,151/mo

Mortgage $1,002 · Tax $150

20% down at 4.34% fixed (Ratehub.ca), 25 years; tax from the listing.

estimated payment

$1,002/ monthly

loan $183,920

25-year amortization

down payment20% · $45,98020%+ down: no mortgage insuranceinterest rate4.34%Rates from Ratehub.ca (best 5-year fixed and variable), checked Oct 26, 2026. Semi-annual compounding; your lender's rate may differ.amortizationpayment frequency

total interest: $116,576
property transfer tax: $2,598; BC general rate
cash to close: $48,578; down + PTT
total paid: $300,496

first-time buyernewly built

Estimates only. Rates change daily and lenders qualify at the stress-test rate. Talk to a mortgage broker before you offer. Transfer tax: 1% to $200k, 2% to $2M, 3% to $3M, 5% above. First-time buyers pay nothing on the first $500k for homes up to $835k (phasing out by $860k); newly built homes are exempt up to $1.1M (phasing out by $1.15M). Both need Canadian citizenship or permanent residence and other conditions; the 20% foreign buyer tax applies in Metro Vancouver, the Fraser Valley, the Capital Region, Central Okanagan and Nanaimo.

location

lot outline: 29,354 m² (315,964 sq ft) · PID 011-353-741. from ParcelMap BC; property lines are approximate, a survey is the legal boundary.

TerraceGoogle Maps ↗

good to know

Wildfire
The BC Wildfire Service rates Terrace's wildland urban interface as risk class 4 of 5 (low; 1 is the highest). One wildfire of 10 hectares or more burned within 5 km since 2006: 2015 (15 ha). Some insurers price for wildfire, and FireSmart BC has a free home assessment guide.
Source: BC Wildfire Service, WUI risk class and fire perimeters

From public government maps, matched to the listing's map pin. Maps can be out of date or miss a lot line; confirm with the municipality.

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