- Active
3020 Prospect Creek FSR Road
Merritt · Single Family
- Beds
- 3
- Baths
- 2
- Sqft
- 1,890
- Built
- 2021
Listed by LandQuest Realty Corp. (Interior) · MLS® 10399356
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Sign inAbout this home
Waterfront with your own sandy beach on Spius Creek, ten flat acres, and a nearly new home, just 20 minutes from Merritt. Properties like this rarely come to market. Prime creek frontage opens onto a private sandy beach, perfect for swimming and relaxing by the water. Beyond it, 9.8 level, fully usable acres are ready for horses, gardens or hobby farming. A developing Christmas tree farm of 600 Douglas firs offers farm-status potential and future income. Water is abundant: the drilled well produces an exceptional 30 GPM with UV filtration. The 2021 custom Lakeridge home sits on a 4 ft concrete foundation with 1,890 sq. ft. of bright, open living, vaulted ceilings and sweeping countryside views. The kitchen features stone counters, a large island, pantry and stainless appliances. Three bedrooms, two baths and a bonus family room open to a huge deck. The primary suite has a walk-in closet and spa-style ensuite with jetted tub. Superior insulation, heat pump with propane backup, wood stove and home warranty. Enjoy the hot tub and 18x33 ft pool steps from the deck. Extras include a 20x30 ft carport, insulated 12x20 ft equipment shed with concrete floor, two storage sheds and an implement shed. A recreational playground starts right from your property: hiking, riding, ATVing, fishing and sledding in the Nicola Valley’s lakes and backcountry. Summer on the beach, winter by the wood stove, Christmas trees from your own farm. Country living done right.
Home facts
- Bedrooms
- 3
- Bathrooms
- 2 full
- Interior
- 1,890 sq ft
- Year built
- 2021
- Storey
- 1
- Property type
- Single Family
- Basement
- Crawl space
- Fireplace
- 1
- Area
- Merritt
- Listed
- September 2, 2026
- Structure
- Manufactured Home
- PID
- 029-026-580
- Common interest
- Freehold
Highlights
- Mountain view
- Waterfront
- Pool
- Hot tub
- High ceilings
Features and inclusions
- Heating
- Heat Pump, Stove, Forced air, See remarks, Wood
- Cooling
- Heat Pump
- Roof
- Vinyl Shingles, Unknown
- Parking
- Covered, RV, Oversize, Additional Parking
- Lot
- Level lot, Central island, Jacuzzi bath-tub
Rooms and building
- Sewer
- Septic tank
- Water
- Well
- Utilities
- Water, Electricity, Telephone
The information contained on this site is based in whole or in part on information that is provided by members of The Canadian Real Estate Association (CREA), who are responsible for its accuracy. CREA reproduces and distributes this information as a service for its members and assumes no responsibility for its accuracy.
Monthly and upfront costs
Uses the posted 5-year rate (5.19%), 20% down and a 25-year amortization.
Monthly ownership costs
- Principal and interest
- $4,403
- Property tax
- $275/mo
- Home insurance
- $150/mo
- Estimated monthly total
- $4,828
Purchase snapshot
- List price
- $929,000
- Down payment
- $185,800 (20%)
- Estimated mortgage
- $743,200
Estimates only. They leave out utilities, upkeep and closing costs.
Borrowing costs
What money costs right now
The rates behind any payment estimate on this page.
- Prime rate
- 4.45%
- Variable mortgages are quoted against this.
- 5 year bond yield
- 3.68%
- Fixed mortgage pricing follows this.
- Policy rate
- 2.25%
- Set by the Bank of Canada.
These are benchmark rates, not mortgage quotes. Your rate depends on the lender, the term, and your file.
Source: Bank of Canada. As of 2026-09-29
Property tax
What the tax bill looks like
Municipal, regional, hospital and school rates combined.
- Estimated annual tax
- $7,367
- At 7.9295 per $1,000 of assessed value.
Estimated by applying the municipal rate to the asking price. Your actual bill is based on the BC Assessment value, which is set separately and usually differs from the sale price. Home owner grants are not included.
Source: Province of British Columbia, Local Government Statistics Schedule 702, 2026. As of 2026-01-01
Neighbourhood
Estimated travel times. Map data © OpenStreetMap contributors.
Land and hazards
What the maps say about this land
Provincial designations and mapped natural hazards at this location.
- Agricultural Land Reserve
- In the ALR
- Provincial farmland protection restricts subdivision and non-farm use.
- Wildfire interface
- Extreme risk
- In a mapped wildland-urban interface zone. Affects insurance and FireSmart requirements.
Based on where this point falls in provincial map layers, not a site survey or a formal hazard assessment. Confirm with the municipality, a professional, and your insurer before relying on it.
Source: BC Geographic Warehouse (Agricultural Land Commission, BC Wildfire Service)
Most listed
Detached · 44%
Who lives here
Documents
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