Vernon · V1H1T6
$19,718/mo
Jessica Kuan
Licensed Mortgage Broker
Estimate only. Rates and qualification depend on your application.
Schedule private showing
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The ultimate “Hampton Beach” waterfront Cottage on Okanagan Lake! Step into the ambiance of this waterfront home, masterfully designed for elegance and comfort. Completely rebuilt in 2023, every inch of this residence is crafted for functionality and lake life enjoyment. The great room features beamed wooden ceilings, luxury vinyl flooring, quartz countertops, in-floor heating, and central cooling. The space is filled with fabulous built-ins, including a wet bar which includes a wine fridge, beverage drawer and ice maker. With 3.5 stunning bathrooms and a primary suite boasting automated blinds and a ceiling-hidden TV, luxury is woven into every detail. The home includes three additional bedrooms, one of which features custom bunk beds. The kitchen, equipped with a massive island and Nano windows that open to the patio, seamlessly connects to the many outdoor living areas, including a sunroom, fire bowl area, and summer kitchen. A new custom dock with expanded sitting areas completes this exquisite property. Nestled in an exclusive gated waterfront neighborhoods, shared by only 15 other homeowners, this residence offers privacy and luxury on the water's edge.
4
Beds
3,334 ft²
Floor area
2002
Year built
Single Family
Type
Adventure Bay
Area
Listed
November 3, 2025
$3,980,000 is 285.8% above the Lower Mainland Composite HPI benchmark of $1,031,500 (2026-04-01).
Nearby & Commute
2h 5m
walk to Okanagan Landing Plaza
3h 12m
bike to Orchard Park Exchange
10h 38m
walk to Orchard Park Exchange
11h 27m
drive to downtown Vancouver
Estimated travel times. Map data © OpenStreetMap contributors.
Most listed
Detached · 56%
| Detached | 37 | 56.1% |
| Land | 22 | 33.3% |
| Townhouse | 5 | 7.6% |
| Mobile home | 2 | 3.0% |
| Under $5,000 | 5 | 0.5% |
| $10,000 to $14,999 | 5 | 0.5% |
| $15,000 to $19,999 | 10 | 0.9% |
| $20,000 to $24,999 | 15 | 1.4% |
| $25,000 to $29,999 | 15 | 1.4% |
| $30,000 to $34,999 | 15 | 1.4% |
| $35,000 to $39,999 | 45 | 4.1% |
| $40,000 to $44,999 | 30 | 2.7% |
| $45,000 to $49,999 | 35 | 3.2% |
| $50,000 to $59,999 | 60 | 5.4% |
| $60,000 to $69,999 | 70 | 6.3% |
| $70,000 to $79,999 | 75 | 6.8% |
| $80,000 to $89,999 | 60 | 5.4% |
| $90,000 to $99,999 | 85 | 7.7% |
| $100,000 to $124,999 | 160 | 14.4% |
| $125,000 to $149,999 | 115 | 10.4% |
| $150,000 to $199,999 | 160 | 14.4% |
| $200,000 and over | 150 | 13.5% |
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.
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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
$19,718
Principal and interest
Calculated estimate
$18,410
Property tax
Calculated estimate
$1,158/mo
Home insurance
Assumption
$150/mo
Purchase snapshot
List price
Listing data
$3,980,000
Down payment
Calculated estimate
$796,000 (20%)
Estimated mortgage
Calculated estimate
$3,184,000
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
$19,718
/mo
Rate
%
Amortization
Principal and interest
$18,410
Property tax (est.)
$1,158
P&I
Tax
Down payment
$796,000 (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 $796,000 down (20%) on $3,980,000, 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.
At 5.5698 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.
Daily mean across the year.
On the drier side for BC.
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.
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.
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.
