Property Type: Detached HouseOwnership: Freehold

10617 81ST Street

Osoyoos, BC V0H1V2

$2,699,000

4 bed3.5 bath2 parking2,543 sqftBuilt 1960
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Property Details

Property & Lot

Sub-type
House
Stories
1
Lot size
0.19 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$7,692.06

Interior

Basement
Crawl space
Heating
Forced air, See remarks
Cooling / A/C
Central air conditioning
Fireplace
Yes (1)
Fireplace type
Wood, Conventional

Exterior & Lot

Exterior features
Wood siding
View
Lake view, Mountain view, Unknown

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
2 — uncovered indicated
Features
Other, Additional Parking

Room Dimensions

RoomLevelDimensions
DenMain level8'4'' x 11'0''
Primary BedroomMain level12'8'' x 12'10''
BedroomSecond level8'6'' x 17'0''
Living roomMain level22'2'' x 16'0''
Laundry roomMain level8'0'' x 12'0''
KitchenMain level10'4'' x 9'2''
KitchenMain level8'0'' x 7'0''
Family roomMain level11'6'' x 21'4''
2pc Ensuite bathMain level
Dining roomMain level10'4'' x 14'6''
BedroomMain level9'5'' x 14'2''
BedroomMain level13'8'' x 13'2''
3pc BathroomMain level
4pc BathroomMain level

Listing Information

MLS®
10394491
Listed
July 14, 2026
Time on market
On the market for 48 days
Data last synced
August 28, 2026

Listing provided by: eXp Realty · Data source: CREA DDF.

Description

75 feet of open Osoyoos Lake frontage with private beach and dock — and a home rebuilt from the frame up in 2026 to match it. Complete renovation, not a refresh. Wall-to-wall new windows draw the lake and mountain views through 2,543 sq ft of single-level living: 4 bedrooms, 2.5 bathrooms, separate TV/family room, wood-burning fireplace. The waterfront is the point. A generous lakeside lawn runs to your own beach and dock on Canada's warmest freshwater lake, with an outdoor kitchen and wood-fired pizza oven, hot tub, and lakeside fire feature. The beach is clean rock rather than sand — easy in the water, and it stays out of the house. West side is the side to be on. In the heat of the day the house shades the lakeside yard, so you're looking at the water in comfort ..east side take the sun full on. In an Osoyoos August that's the difference between a patio you use all summer and one you wait out. Quiet cul-de-sac, minutes to wineries, golf, trails and restaurants. A mature linden anchors landscaping decades in the making, and the property adjoins RDOS-designated parkland that will never be built on. Frontage of this quality rarely comes to market in Osoyoos. HIGHLIGHTS -Rancher + Loft -75 ft open lake frontage, west-facing -Frame-up renovation completed 2026 -2,543 sq ft, 4 bed / 2.5 bath -Private beach and dock -Outdoor kitchen, pizza oven, hot tub, fire feature -Cul-de-sac, adjoins protected parkland LISTING AGENT IS PROPERTY OWNER (id:63159)

Values & Trends

This listing

$1,061/sqft

Building average

No other active listings in this building

Osoyoos average

$558/sqft

130 active listing(s)

Parking: 2 stall(s) includedStorage locker: Not indicated

Per-stall/locker dollar values aren't itemized in our data source — shown as included/not indicated only, not a fabricated estimate. $/sqft averages are computed live from other active listings, not a third-party model.

Location Insights

Weather

23°C

Humidity 43%

Wind S 7 km/h

Tonight

12°

Tuesday

27°

Tuesday night

15°

Wednesday

24°

Wednesday night

13°

Thursday

19°

Source: Environment and Climate Change Canada.

Population

5,556

(2021 Census)

+10% since 2016

Density: 660.6/km²

Dwellings: 3,279

Median household income: $66,000

After-tax: $60,800

Immigrant population: 20%

Top countries of origin (% of total population)

  • United Kingdom3.8% · 210
  • India3.3% · 185
  • United States of America1.9% · 105
  • Portugal1.6% · 90
  • Germany1.1% · 60
  • Philippines1.1% · 60
  • Italy0.5% · 30
  • Netherlands0.4% · 25

Source: Statistics Canada, 2021 Census of Population.

Nearby Schools

SchoolTypeDistance
Osoyoos ElementaryElementary2.2 km
Osoyoos SecondarySecondary2.8 km
Senpaq'cin School(Independent)Elementary15.2 km
Tuc-el-Nuit ElementaryElementary15.9 km
Southern Okanagan SecondarySecondary16.0 km
Southern Okanagan AltSecondary16.0 km
Oliver ElementaryElementary16.1 km

Schools shown by distance from this property. This does not indicate school catchment or enrollment eligibility — contact the school district to confirm catchment boundaries.

Nearby Transit

No TransLink stops within an ~10-minute walk.

School district: Okanagan-Similkameen (SD53)

Mortgage & Ownership Cost Calculator

Minimum required: 20.0% ($539,800) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$2,159,200.00
Periodic payment — Principal & Interest (monthly)$13,930.43
Additional monthly expenses (strata, tax, utilities, etc.)$768.01
Total monthly cost$14,698.43
Interest paid over 5-yr term$618,832.93
Balance at end of term$1,942,207.38

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$539,800
Stress test qualifying rate8.09%
Payment you must qualify for$16,603.49

Cash Needed at Closing

Minimum down payment$539,800
Estimated BC PTT$58,970
Legal / closing costs (typical estimate)$1,500
Total cash needed$600,270

Minimum down payment: 5% on the first $500,000, 10% on the portion up to $1.5M, 20% at/above $1.5M. Stress test: OSFI's minimum qualifying rate, the greater of contract rate + 2% or 5.25% — this is what lenders require you to qualify at, not what you'll actually pay. Closing costs are a typical-range estimate, not a quote — actual legal fees vary. Verify all figures with a mortgage broker and lawyer before relying on them.

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