- Active
3040 Seclusion Bay Road
West Kelowna · Single Family
- Beds
- 3
- Baths
- 3
- Sqft
- 1,684
- Built
- 1986
Listed by Vantage West Realty Inc. · MLS® 10400366
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Sign inAbout this home
PANORAMIC LAKE VIEWS. TOTAL PRIVACY. ZERO NEIGHBOURS IN SIGHT. Tucked into the quiet of Seclusion Bay, this custom West Coast Contemporary sits on 1.77 private acres with spectacular lake and mountain views — and a level of self-sufficiency that's hard to find without sacrificing convenience. A hybrid solar and wind-generation system works alongside the grid to help reduce your hydro costs. A licensed spring-fed shallow ground well with a 5,000-gallon cistern supplies water to the home, while a large rain barrel collects rainwater separately for the gardens. Add water filtration, a 643 sq. ft. heated and powered crawlspace built for storage or a full workshop, and you've got a property made for anyone craving more independence — without leaving West Kelowna behind. Lovingly maintained by its current owners, the 3-bed + den, 3-bath home offers approximately 1,684 sq. ft. across two levels, with those lake and mountain views following you into nearly every room — including every bedroom. The main level brings together a welcoming living and dining area, a separate family room with a cozy wood-burning fireplace, and seamless access to a massive composite deck made for slow mornings and sunset dinners. Upstairs, the primary retreat has its own sitting area, lake views, and a 2-piece ensuite, alongside two more bedrooms and a full bath. Outside, there's plenty of space to bring your garden dreams to life, plus a dog run and indoor wash station for the four-legged members of the family, and zoning that allows for a future garage, workshop, or carriage house — room to build out your vision. Neighbouring Goats Peak Regional Park, with Seclusion Bay Resort just below and hiking trails right out your door, this is quiet, self-reliant living just minutes from every amenity you'd never actually want to give up. This is the property for the person who wants nature without the compromise.
Home facts
- Bedrooms
- 3
- Bathrooms
- 1 full + 2 half
- Interior
- 1,684 sq ft
- Year built
- 1986
- Storeys
- 2
- Parking
- 4
- Property type
- Single Family
- Basement
- Crawl space
- Fireplace
- 1
- Area
- Westbank Centre
- Listed
- September 15, 2026
- Structure
- House
- PID
- 005-904-641
- Common interest
- Freehold
Highlights
- Mountain view
- Fireplace
Features and inclusions
- Appliances
- Washer, Refrigerator, Range - Electric, Dishwasher, Dryer, Microwave
- Heating
- Baseboard heaters, Electric, See remarks, Other
- Cooling
- Wall unit, Heat Pump, See Remarks
- Flooring
- Hardwood, Cork
- Roof
- Asphalt shingle, Unknown
- Parking
- Additional Parking
- Lot
- Private setting, One Balcony
Rooms and building
- Sewer
- Septic tank
- Water
- Licensed
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
- $5,190
- Property tax
- $317/mo
- Home insurance
- $150/mo
- Estimated monthly total
- $5,657
Purchase snapshot
- List price
- $1,095,000
- Down payment
- $219,000 (20%)
- Estimated mortgage
- $876,000
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
- $5,433
- At 4.9615 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.
Climate
What the weather is like in Kelowna
Ten year average, 2016–2025.
- Average temperature
- 9.6°C
- Daily mean across the year.
- Yearly precipitation
- 242 mm
- On the drier side for BC.
- Bright sunshine
- 1,949 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 · 43%
Who lives here
Documents
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