- Active
Merritt Spences Bridge Hwy 8 Highway
Kamloops · Single Family
- Beds
- 3
- Baths
- 1
- Sqft
- 1,275
- Built
- 1912
Listed by Brendan Shaw Real Estate Ltd. · MLS® 10402306
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THREE WATERFRONT LOTS — ONE PACKAGE — $199,900 TOTAL! A rare opportunity along the Thompson River in the scenic community of Spences Bridge! This unique offering includes three separately titled waterfront properties — 3685, 3687 & 3691 Merritt-Spences Bridge Hwy 8 — all being sold together as one package for $199,900. The package includes a charming 3-bedroom, 1-bathroom home of approximately 1,300 sq. ft., situated just steps from the river. Wake up to beautiful waterfront views and enjoy the peaceful, laid-back lifestyle this incredible location has to offer. The home is full of character and offers plenty of potential for someone with vision. Inside, the kitchen and bathroom feature vaulted ceilings and skylights that bring in an abundance of natural light. A classic wood-burning stove adds warmth and rustic charm, while the plumbing has been updated to reliable PEX. Whether you're looking to create a private riverside retreat, take on a renovation project, or simply enjoy the property as it sits, the combination of three adjoining waterfront lots creates an opportunity that is increasingly difficult to find. Each property is on separate title and has separate water service, providing additional flexibility and future potential. IMPORTANT: The properties are being sold AS IS, WHERE IS and must be purchased together as a three-property package. The sale includes 3685, 3687 & 3691 Merritt-Spences Bridge Hwy 8 for a total package price of $199,900.
Home facts
- Bedrooms
- 3
- Bathrooms
- 0 full + 1 half
- Interior
- 1,275 sq ft
- Year built
- 1912
- Storeys
- 2
- Property type
- Single Family
- Fireplace
- 1
- Area
- Merritt
- Listed
- October 13, 2026
- Structure
- House
- PID
- 009-859-241
- Common interest
- Freehold
Highlights
- Waterfront
- High ceilings
Features and inclusions
- Heating
- Stove, Wood
- Flooring
- Laminate, Linoleum
- Roof
- Asphalt shingle, Unknown
Rooms and building
- Sewer
- Septic tank
- 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
- $947
- Property tax
- $58/mo
- Home insurance
- $150/mo
- Estimated monthly total
- $1,156
Purchase snapshot
- List price
- $199,888
- Down payment
- $39,978 (20%)
- Estimated mortgage
- $159,910
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
- $1,370
- At 6.8535 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
For investors
As a rental
- Estimated rent
- $1,974 a month
- Gross yield
- 11.9%
Estimated rent from CMHC average rents for the region, scaled to the bedrooms. Gross yield is 12 months of that rent over the asking price, before costs.
Neighbourhood
Estimated travel times. Map data © OpenStreetMap contributors.
Climate
What the weather is like in Kamloops
Ten year average, 2016–2025.
- Average temperature
- 9.8°C
- Daily mean across the year.
- Yearly precipitation
- 221 mm
- On the drier side for BC.
- Bright sunshine
- 2,080 h
- Hours of sun a year, 1981–2010 average.
Averaged from the last ten complete years of Environment Canada observations at the nearest principal station, so it reflects the climate as it is now rather than a thirty year normal. Bright sunshine is the exception: it is no longer measured at these stations, so that figure is the long term average.
Source: Environment and Climate Change Canada, monthly climate summaries
Land and hazards
What the maps say about this land
Provincial designations and mapped natural hazards at this location.
- 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 · 50%
Who lives here
Documents
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Availability is not guaranteed. Review documents with a professional.