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$369,000

4981 Spruce Avenue

Canal Flats · MLS® 10379860

4 bed · 1 bath · 1,625 sq ft · 0 sq ft lot · 0 parking

House · Single Family · built 1984 · 202 days on market

Listed by Rachel Sweeney, Royal LePage Rockies West

Discover this charming family home at 4981 Spruce Avenue, Canal Flats – perfectly situated in a quiet, friendly neighborhood of this growing mountain community. Just moments from the southern shores of Columbia Lake, the headwaters of the mighty Columbia River, this property offers easy access to boating, fishing, swimming, and relaxing at Tilley Memorial Park. Enjoy nearby boat launches, walking trails, and the pristine natural surroundings teeming with wildlife. Nestled in the heart of the Columbia Valley, the home provides comfortable living with a practical layout suited for families, first-time buyers, or as an ideal second residence—a peaceful getaway for weekends and vacations amid stunning scenery. With easy access to outdoor adventures like hiking, fishing, skiing at nearby Panorama Resort, and the Kootenay River, plus vibrant local amenities, this inviting residence delivers exceptional value in affordable, scenic British Columbia.

Type: House, Single Family
Bedrooms: 4
Bathrooms: 1
Living area: 1,625 sq ft
Lot: 0 sq ft
Parking: 0
Year built: 1984
Property tax: $2,546 / yr
Days on market: 202
MLS®: 10379860

Below typical for the area (-26%)

Price per sq ft: $227 vs $307 median for houses in Canal Flats for sale (15)

An estimate from public BC Assessment records, registered sales and the listings for sale right now, not an appraisal. Condition, renovations, views and lot all move real value.

On market 202 days

Listed now: 89 days; median for 16 houses for sale; this one 202 days

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

FloodplainYes
This address is within a designated floodplain on the provincial floodplain maps (Kootenay River - Columbia Lake). Local rules can set things like minimum floor heights; the municipality can confirm what applies.
Source: Province of BC, Mapped Floodplains in BC
Agricultural Land ReserveNo
Not inside the Agricultural Land Reserve on the provincial map.
Source: Agricultural Land Commission, ALR boundary
HeritageNo
Not on the BC Register of Historic Places or in a heritage conservation area.
Source: BC Heritage Branch, historic places and conservation areas

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.

$1,820/mo

Mortgage $1,608 · Tax $212

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

estimated payment

$1,608/ monthly

loan $295,200

25-year amortization

down payment20% · $73,80020%+ down: no mortgage insuranceinterest rate4.34%Rates from Ratehub.ca (best 5-year fixed and variable), checked Oct 7, 2026. Semi-annual compounding; your lender's rate may differ.amortizationpayment frequency

total interest: $187,109
property transfer tax: $5,380; BC general rate
cash to close: $79,180; down + PTT
total paid: $482,309

Estimates only. Rates change daily and lenders qualify at the stress-test rate; first-time-buyer and newly-built PTT exemptions aren't applied. Talk to a mortgage broker before you offer.

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