Property Type: Detached HouseOwnership: Freehold

10795 Westshore Road

Vernon, BC V1H2C3

$774,700

3 bed2 bath6 parking1,561 sqftBuilt 2020
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Property Details

Property & Lot

Sub-type
House
Stories
1
Lot size
0.57 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$3,173

Interior

Heating
Radiant heat, Stove, Electric, See remarks, Wood, Other
Cooling / A/C
See Remarks
Fireplace
Yes (1)
Fireplace type
Wood, Conventional
Flooring
Concrete

Exterior & Lot

Exterior features
Concrete, Stone, Metal, Aluminum
View
Lake view, Mountain view, Valley view, View of water, View (panoramic)

Building

Roof
Metal, Unknown

Parking

Total spaces
6 — covered indicated
Features
Detached Garage, RV, Additional Parking

Room Dimensions

RoomLevelDimensions
Dining roomMain level9'8'' x 6'7''
BedroomMain level7'9'' x 11'11''
4pc BathroomMain level5' x 9'11''
BedroomMain level10'2'' x 9'11''
4pc Ensuite bathMain level7'9'' x 9'7''
OtherMain level5'5'' x 10'
Primary BedroomMain level13'8'' x 16'8''
Living roomMain level18'11'' x 22'9''
KitchenMain level16' x 14'3''
FoyerMain level7'2'' x 12'4''

Listing Information

MLS®
10398170
Listed
August 20, 2026
Time on market
On the market for 11 days
Data last synced
August 28, 2026

Listing provided by: Coldwell Banker Horizon Realty · Data source: CREA DDF.

Description

Crown land out the front door. Okanagan Lake views out the back. Net-zero living in between. This home was built for people who want room to breathe and a home that carries its own weight. Set on 0.57 acres, this 2020 build looks out over the valley and lake. Inside, metallic epoxy floors and expansive south-facing windows keep the space bright and open. Quartz counters in the kitchen, a wood-burning fireplace for the cooler months, and three ductless split units for the hot and cold months. Outside, a concrete patio with a hot tub and a fully fenced, xeriscaped yard tucked into the forest. The build is the story here. 22 solar panels take it to net-zero and gut the utility bills. Fire-smart metal siding, metal roof and Hardie board accents. Radiant in-floor heating, R50+ attic insulation, 200-amp service, 60-amp garage panel ready for an EV or workshop, generator panel wired, propane roughed in. The detached double garage with loft handles the toys and the projects. Extra parking potential below on Westshore Road. Quiet, self-sufficient, and built to last. (id:63159)

Values & Trends

This listing

$496/sqft

Building average

No other active listings in this building

Okanagan North average

$293/sqft

41 active listing(s)

Parking: 6 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

16°C

Humidity 69%

Wind ESE 14 km/h

Tonight

11°

Tuesday

27°

Tuesday night

14°

Wednesday

24°

Wednesday night

13°

Thursday

19°

Source: Environment and Climate Change Canada.

Population

44,519

(2021 Census)

+11% since 2016

Density: 461.7/km²

Dwellings: 21,287

Median household income: $73,500

After-tax: $66,500

Immigrant population: 12.4%

Top countries of origin (% of total population)

  • United Kingdom2.3% · 1,030
  • Germany1.2% · 550
  • United States of America1% · 450
  • India0.8% · 355
  • Philippines0.7% · 315
  • Netherlands0.6% · 270
  • Poland0.3% · 150
  • South Africa, Republic of0.3% · 125

Source: Statistics Canada, 2021 Census of Population.

Nearby Schools

SchoolTypeDistance
Okanagan Landing ElementaryElementary8.9 km
Ellison ElementaryElementary11.2 km
Clarence Fulton SecondaryElementary11.6 km
Mission Hill ElementaryElementary13.5 km
Alexis Park ElementaryElementary14.4 km
St James(Independent)Elementary14.8 km
Oyama Traditional SchoolElementary14.8 km
Kidston ElementaryElementary14.9 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: Central Okanagan (SD23)

Mortgage & Ownership Cost Calculator

Minimum required: 6.8% ($52,470) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$619,760.00
Periodic payment — Principal & Interest (monthly)$3,998.48
Additional monthly expenses (strata, tax, utilities, etc.)$342.42
Total monthly cost$4,340.90
Interest paid over 5-yr term$177,625.00
Balance at end of term$557,476.12

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$52,470
Stress test qualifying rate8.09%
Payment you must qualify for$5,553.70

Cash Needed at Closing

Minimum down payment$52,470
Estimated BC PTT$13,494
Legal / closing costs (typical estimate)$1,500
Total cash needed$67,464

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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