Oliver · V0H1T1
$3,348/mo
Jessica Kuan
Licensed Mortgage Broker
Estimate only. Rates and qualification depend on your application.
Schedule private showing
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Welcome to The Cottages on Osoyoos Lake! This beautifully maintained, fully furnished 3-bedroom, 2-bathroom cottage offers the perfect blend of comfort and true cottage living. Featuring vaulted tongue-and-groove ceilings, an open-concept kitchen, dining and living area, geothermal heating and cooling, vinyl plank flooring, and a charming screened-in sunroom that extends your living space. The main level offers two bedrooms, including the primary suite, while the upper level features a spacious loft and third bedroom—ideal for guests, family or a home office. Enjoy the Okanagan lifestyle from the extended patio, with beautifully landscaped surroundings and convenient access to trails. This cottage is being sold with all furniture, housewares (dishes, pots, pans, etc), linens and televisions, just bring your suitcase and enjoy all that the Okanagan has to offer. Mere steps to the clubhouse & swimming pools. Guests enjoy over 1,800 ft of waterfront, sandy beach, marina, seasonal pools and hot tubs, a 7,000 sq ft clubhouse, fitness centre, walking trails, playgrounds, pickleball and more—all within a secure gated community. Just minutes to wineries, golf, hiking, skiing and local amenities. No age restrictions; 2 pets permitted. Short-term rentals permitted with a 4-night minimum. HOA $600/month. Leasehold property on Indigenous land—NO GST, NO Property Transfer Tax, NO Speculation Tax & NO Vacancy Tax. Buyers to verify measurements, if deemed important.
3
Beds
1,142 ft²
Floor area
2012
Year built
Single Family
Type
Oliver
Area
Listed
August 21, 2026
Nearby & Commute
1h 10m
walk to Red Apple
4h 40m
bike to Prairie Valley Station
15h 31m
walk to Prairie Valley Station
10h 34m
drive to downtown Vancouver
Estimated travel times. Map data © OpenStreetMap contributors.
Most listed
Detached · 78%
| Detached | 29 | 78.4% |
| Farm | 3 | 8.1% |
| Other | 3 | 8.1% |
| Condo / Apartment | 1 | 2.7% |
| Townhouse | 1 | 2.7% |
| Under $5,000 | 10 | 2.2% |
| $10,000 to $14,999 | 15 | 3.3% |
| $15,000 to $19,999 | 10 | 2.2% |
| $20,000 to $24,999 | 5 | 1.1% |
| $25,000 to $29,999 | 10 | 2.2% |
| $30,000 to $34,999 | 10 | 2.2% |
| $35,000 to $39,999 | 10 | 2.2% |
| $40,000 to $44,999 | 25 | 5.5% |
| $45,000 to $49,999 | 20 | 4.4% |
| $50,000 to $59,999 | 25 | 5.5% |
| $60,000 to $69,999 | 45 | 9.9% |
| $70,000 to $79,999 | 40 | 8.8% |
| $80,000 to $89,999 | 30 | 6.6% |
| $90,000 to $99,999 | 35 | 7.7% |
| $100,000 to $124,999 | 70 | 15.4% |
| $125,000 to $149,999 | 45 | 9.9% |
| $150,000 to $199,999 | 25 | 5.5% |
| $200,000 and over | 25 | 5.5% |
Pick the records that matter for this property. Relta inquires with the listing agent and strata on your behalf, then tells you what came back. Some documents cannot always be obtained.
Request the due-diligence package
Relta requests these from the listing agent and strata and follows up with what is available. Availability is not guaranteed. Review any documents with the appropriate professionals.
A clearer view of the monthly and upfront costs connected to this home.
Monthly ownership costs
Estimated monthly total
Calculated estimate
$3,348
Principal and interest
Calculated estimate
$3,006
Property tax
Calculated estimate
$192/mo
Home insurance
Assumption
$150/mo
Purchase snapshot
List price
Listing data
$649,900
Down payment
Calculated estimate
$129,980 (20%)
Estimated mortgage
Calculated estimate
$519,920
Estimates update with the mortgage controls below. They do not include utilities, maintenance, legal fees, or other closing costs.
Mortgage estimate
Metro averages
Est. monthly total
$3,348
/mo
Rate
%
Amortization
Principal and interest
$3,006
Property tax (est.)
$192
P&I
Tax
Down payment
$129,980 (20%)
Get Pre-Approved
Jessica specialises in residential financing across Greater Vancouver, helping buyers secure competitive rates and navigate complex purchases with clarity.
Jessica Kuan
Licensed Mortgage Broker
This is an estimate only and does not constitute financial advice or a mortgage offer. Based on $129,980 down (20%) on $649,900, Canadian semi-annual compounding. Property tax estimated at Greater Vancouver metro average. No strata fee on record for this listing. Home insurance, land transfer tax, and closing costs are not included. Consult a licensed mortgage professional for personalised advice. Mortgage professionals featured here are independent licensed brokers. Ray Rasouli may receive a referral fee if you choose to work with one. You are under no obligation to use any recommended provider. Full disclosure.
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.
Variable mortgages are quoted against this.
Fixed mortgage pricing follows this.
Set by the Bank of Canada.
These are benchmark rates, not mortgage quotes. Your rate depends on the lender, the term, and your file.
At 4.9722 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.
