- Active
4535 Mill Road
Naramata · Vacant Land
Listed by Vantage West Realty Inc. · MLS® 10397726
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Sign inAbout this home
One of the last remaining freehold waterfront parcels on Okanagan Lake! This private piece of absolute paradise is quietly tucked away on picturesque Mill Bay in the Village of Naramata. Nearly 70 feet of waterfront with no visible neighbours on three sides. Community water and hydro are on the property, and a septic system has been installed. A permit for a 118 ft dock has also been approved. No building scheme or time restrictions. Potential for approximately 1,750 sq. ft. of living space. The current approved plans feature a 1,564 sq. ft. two-storey home, carefully designed to make the most of this rare waterfront lot. Sample floor plans and renderings are merely to help with vision, buyer can design what's most functional for them within 1000sqft footprint and up to two stories. Existing Bunkie on site to use while you design your build. Perfectly flat yard with southern exposure and surrounded by vineyards, orchards, and multi-million dollar homes. Beach to the South is uninhabited creating privacy as far as the eye can see, this is a truly rare and unique offering. No Vacancy Tax or short-term rental restrictions in Naramata. Seller would consider vendor financing OAC to help a buyer build their home. Call the Vantage Group today to learn more about this incredible opportunity to own your very own slice of Okanagan Lake waterfront. +GST
Home facts
- Property type
- Vacant Land
- Area
- Naramata Village
- Listed
- August 20, 2026
- Structure
- Other
- PID
- 010-694-463
- Common interest
- Freehold
Highlights
- Mountain view
- Waterfront
Features and inclusions
- Lot
- Level lot, Irregular lot size
Rooms and building
- Sewer
- See remarks
- Water
- Municipal water
- Utilities
- 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
- $5,683
- Property tax
- $350/mo
- Home insurance
- $150/mo
- Estimated monthly total
- $6,183
Purchase snapshot
- List price
- $1,199,000
- Down payment
- $239,800 (20%)
- Estimated mortgage
- $959,200
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
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.
- 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 · 45%
Who lives here
Documents
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Availability is not guaranteed. Review documents with a professional.