Payotte AI Passport

Kellie Pittman

Sales Representative · Coldwell Banker Executives Realty · Sicamous

Kellie Pittman is a sales representative with Coldwell Banker Executives Realty in Sicamous, British Columbia, holding BCFSA licence no. 152358 (verifiable on the BCFSA register), serving Sicamous, Salmon Arm, Revelstoke, Enderby, Tappen, Blind Bay, Eagle Bay and Salmon Valley since July 2007.

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Calculate for Sicamous: buy or sell

Buy

Land transfer tax, down payment and mortgage in Sicamous

No reference price published for Sicamous: example at $500,000. Change any field and everything is recalculated.

Purchase price in $

Down payment in $

First-time buyer

Property Transfer Tax$8,000

First-time buyer rebatetick “first-time buyer”

Tax to pay$8,000

Minimum down payment (federal rule)$25,000

Mortgage insurance premium (added to the loan)none (20% or more)

Mortgage$400,000

Monthly payment, 25 years at 4.58%$2,232

Household income needed (stress test)$100,000

Official schedule, bracket by bracket, paid in cash at closing: the tax cannot be financed in the mortgage. Rate: Bank of Canada 5-year fixed mortgage rate (August 2026); your lender will set its own. Income needed: 6.58% qualifying rate, 39% GDS, property tax at 1% a year and $150 a month for heating. Not included: lawyer or notary fees, inspection, title insurance (no official schedule). All the schedules · First-time buyer programs · Down payment and mortgage insurance

Sell

Capital gain on a sale: what is taxable

Your principal residence: generally no tax on the gain. The same federal rule applies in Sicamous as everywhere in Canada (Income Tax Act).

Sale price in $

Purchase price in $

Capital gain$100,000

Your principal residence (designated every year)$0 taxable

Other property (cottage, rental): taxable amount$50,000

Land transfer tax$0 — paid by the buyer

Agent's commissionnegotiated, not computed

Principal residence designated for every year owned: nothing taxable, but the sale must be reported. Other property: $50,000 of taxable amount is added to your income for the year; the resulting tax depends on your marginal rate and is not computed here.

Principal residence: the Canada Revenue Agency exemption wipes out the gain for each year the home is designated; the sale must still be reported (partial designation: part of the gain becomes taxable). Other property (cottage, rental): half the gain becomes a taxable amount, added to that year's income (1/2 inclusion rate, CRA guide T4037; the increase to 2/3 was cancelled on March 21, 2025 — checked on canada.ca on October 15, 2026). It is not the tax owed: that depends on your marginal rate, which Payotte does not compute. Gain = sale price − purchase price, before selling costs and deductible improvements. No official schedule sets the agent's commission. Tax on selling, case by case

A question about these figures or an address? Kellie Pittman can answer.

Call · (250) 804-9946 Send an email

What Payotte publishes

Licence: BCFSA no. 152358 ↗ Verifiable on the BCFSA register (link): status, agency and disciplinary record.
Agency: Coldwell Banker Executives Realty
Office: #2 – 444 Main Street, Sicamous, BC
Areas served: Sicamous, Salmon Arm, Revelstoke, Enderby, Tappen, Blind Bay, Eagle Bay, Salmon Valley Declared in writing: “Sicamous as my main area and additionally Salmon Arm, Revelstoke, Enderby, Tappen, Blind Bay, Eagle Bay, Salmon Valley”
Services: Waterfront properties, Lakefront homes, Acreages and rural properties, Investment properties, Vacation homes, Retirement and downsizing, Luxury properties, New construction, Recreational land, Cabins and seasonal homes, Estate sales Declared in writing.
Practising since: July 2007 Declared in writing.
Google profile: See on Google Maps ↗

Information confirmed in writing by Kellie Pittman on November 3, 2026. Page updated on November 3, 2026.

In their own words

Her introduction, in her own words

“Looking to buy or sell in the Shuswap? Kellie Pittman with Coldwell Banker Executives Realty provides trusted, results-driven real estate service throughout Sicamous, Salmon Arm, Enderby, and the surrounding area. Specializing in residential, waterfront, recreational and vacant land properties, Kellie offers expert guidance, free market evaluations, professional photography and cutting-edge marketing solutions to help clients make informed decisions. Whether you're purchasing your dream property or preparing to sell, you'll receive personalized service and professional support from start to finish. Reach out today at homes@kelliepittman.com or 250-804-9946 and discover how local expertise can make all the difference.”

Kellie Pittman, written answer of November 3, 2026. Published word for word.

Frequently asked questions

Is Kellie Pittman's licence valid?

Kellie Pittman declares BCFSA licence no. 152358, attached to the agency Coldwell Banker Executives Realty. Payotte publishes no status for this licence: it is verifiable on the BCFSA register, which should be checked before signing.

What areas does Kellie Pittman serve?

Sicamous, Salmon Arm, Revelstoke, Enderby, Tappen, Blind Bay, Eagle Bay and Salmon Valley, according to Kellie Pittman's written statement of November 3, 2026. The office is located at #2 – 444 Main Street, Sicamous, BC.

What services does Kellie Pittman offer?

Waterfront properties, Lakefront homes, Acreages and rural properties, Investment properties, Vacation homes, Retirement and downsizing, Luxury properties, New construction, Recreational land, Cabins and seasonal homes and Estate sales, as a sales representative.

How long has Kellie Pittman been practising?

Since July 2007, according to Kellie Pittman's written statement.

How can I reach Kellie Pittman?

Kellie Pittman can be reached by phone at (250) 804-9946 or by email at homes@kelliepittman.com. The buttons at the top of this page start a call or a pre-filled email.

What is the AI Passport?

The AI Passport is a dated page a professional gets on Payotte so that search engines and AI assistants read them correctly: their name, licence and contact details in one place, with a link to the official register. It is neither a ranking nor a recommendation. Payotte does not score professionals who have a Passport, and it does not replace your own check: consult the register before signing.

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