- Active
4981 Spruce Avenue
Canal Flats · Single Family
- Beds
- 4
- Baths
- 1
- Sqft
- 1,625
- Built
- 1984
Listed by Royal LePage Rockies West · MLS® 10379860
There is more to this listing. Create a free account to see the exact location, taxes, room sizes and price history.
Sign inAbout this home
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.
Home facts
- Bedrooms
- 4
- Bathrooms
- 1 full
- Interior
- 1,625 sq ft
- Year built
- 1984
- Storey
- 1
- Property type
- Single Family
- Area
- Canal Flats
- Listed
- March 19, 2026
- Structure
- Manufactured Home
- PID
- 009-998-675
- Common interest
- Freehold
Features and inclusions
- Heating
- Forced air
- Roof
- Asphalt shingle, Unknown
Rooms and building
- Sewer
- Municipal sewage system
- Water
- Municipal water
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
- $1,749
- Property tax
- $108/mo
- Home insurance
- $150/mo
- Estimated monthly total
- $2,007
Purchase snapshot
- List price
- $369,000
- Down payment
- $73,800 (20%)
- Estimated mortgage
- $295,200
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
- $2,090
- At 5.6631 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.
- Floodplain
- Mapped floodplain
- Sits in a provincially mapped floodplain. Expect flood-related insurance and financing conditions.
- 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 · 36%
Who lives here
Documents
Pick the records you want. Ray Rasouli will email what the listing brokerage shares.
Availability is not guaranteed. Review documents with a professional.
