682 Alberni Avenue

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$669,900

682 Alberni Avenue

North Kamloops, Kamloops · MLS® 10404093

2,246 sq ft · 0.16 acres lot · House · Single Family · built 1965 · 5 days on market

listed by Indy Bal, REMAX Kamloops

realtor's description

This home presents an excellent opportunity for investors, first-time homebuyers, or those seeking a mortgage helper. Situated on Alberni Avenue in the established North Shore neighbourhood, offers quick access to schools, shopping, and amenities. This home offers a 3 bedroom main floor with a partial basement that offer a large rec room space and laundry room. The wood front deck offers a nicely separated outdoor space to enjoy the summer months. There is a 2 bedroom inlaw suite with separate laundry and entry from the carport. Spacious driveway for several vehicles plus an attached carport that is set behind a gated fence for privacy. Property offers a fully fenced flat backyard that is a great bonus for any occupant. Tenanted up and down, making this an easy rental opportunity.

property details

type: House, Single Family
bedrooms: 5
bathrooms: 2
living area: 2,246 sq ft
lot: 0.16 acres
parking: 0
year built: 1965
property tax: $4,270 / yr
days on market: 5
MLS®: 10404093

the market here

listed now: 54 days; median for 585 houses for sale; this one 5 days

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

property tax by year

year	assessed	est. tax
2026	$623,000	$4,270

The listing shows $4,270 a year in property tax.

Estimate: the BC Assessment value times Kamloops'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

$3,275/mo

Mortgage $2,919 · Tax $356

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

estimated payment

$2,919/ monthly

loan $535,920

25-year amortization

down payment20% · $133,98020%+ down: no mortgage insuranceinterest rate4.34%Rates from Ratehub.ca (best 5-year fixed and variable), checked Oct 28, 2026. Semi-annual compounding; your lender's rate may differ.amortizationpayment frequency

total interest: $339,687
property transfer tax: $11,398; BC general rate
cash to close: $145,378; down + PTT
total paid: $875,607

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.

if you rented it out

suite rent: $1,900/mo
your cost after the suite: $1,702/mo; vs $3,450 without it

Suite rent / moDown payment %Rate %

Costs: mortgage $2,919 · tax $356 · insurance ~$175 · vacancy 3% · upkeep 5%.

Suite rent is today's market rent for a 2-bedroom in Kamloops: CMHC's average there ($1,673) raised by what new tenants pay against everyone in the Kamloops area, then up 1.6% with Kamloops's asking rents, 2025 Q4 → 2026 Q2. (CMHC Rental Market Survey, October 2025; CMHC Rental Market Report 2025, table 6.0 (rents on units that turned over to a new tenant); trend: Statistics Canada.) Houses usually rent for more than apartments. 25-year mortgage; rental purchases need at least 20% down.

BC rules for landlords

Short-term rentals are limited to the host's principal residence in most communities. gov.bc.ca
Rent increases are capped once a year at the province's set amount. gov.bc.ca
The speculation and vacancy tax applies in many areas to homes not lived in or rented out. gov.bc.ca
Selling within two years of buying can trigger the BC home flipping tax. gov.bc.ca