Property Type: Detached HouseOwnership: Freehold

10989 Maddock Avenue

Lake Country, BC V4V2J6

$1,950,000

4 bed4.5 bath4 parking3,703 sqftBuilt 2014
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Property Details

Property & Lot

Sub-type
House
Stories
3
Lot size
1.15 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$7,481.89

Interior

Heating
Forced air
Cooling / A/C
Central air conditioning
Fireplace
Yes (1)
Fireplace type
Insert

Exterior & Lot

Exterior features
Wood, Stone, Other
View
Lake view, Mountain view, Valley view, View of water, View (panoramic)

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
4 — covered indicated
Features
Attached Garage

Restrictions & Policies

Pets
Allowed

As reported by the listing board — always confirm current bylaws with the strata or landlord before relying on this.

Room Dimensions

RoomLevelDimensions
Utility roomLower level8'11'' x 9'5''
Mud roomLower level8'0'' x 6'8''
Laundry roomLower level5'2'' x 9'5''
Recreation roomLower level18'0'' x 12'9''
3pc BathroomLower level14'6'' x 5'9''
BedroomLower level18'4'' x 14'11''
FoyerLower level12'1'' x 11'0''
BedroomSecond level15'6'' x 11'6''
4pc BathroomSecond level5'2'' x 9'9''
BedroomSecond level11'3'' x 15'9''
5pc Ensuite bathSecond level9'7'' x 13'1''
OtherSecond level8'10'' x 7'1''
Primary BedroomSecond level19'1'' x 15'9''
Mud roomMain level6'0'' x 7'10''
DenMain level20'10'' x 11'7''
2pc BathroomMain level6'0'' x 5'3''
Dining roomMain level11'9'' x 16'1''
Living roomMain level15'4'' x 16'8''
KitchenMain level19'1'' x 13'1''

Listing Information

MLS®
10395399
Listed
July 21, 2026
Time on market
On the market for 41 days
Data last synced
August 28, 2026

Listing provided by: Sotheby's International Realty Canada · Data source: CREA DDF.

Description

Welcome to lake living at its finest in the heart of Okanagan Centre, just moments from the shoreline of Okanagan Lake, where lifestyle, views, and tranquility define everyday living. Set on a private 1.15-acre property in one of Lake Country’s most desirable lakeside communities, this beautiful residence offers the perfect blend of space, comfort, and connection to the water. Built in 2014 and offering over 3,600 sq. ft. of living space, this home captures the essence of the Okanagan from every angle. Expansive windows throughout frame breathtaking lake views, while 10-foot ceilings and engineered hardwood flooring create a bright, airy atmosphere. The main level is designed for both everyday living and entertaining, featuring a spacious open-concept kitchen, dining, and living area. The kitchen is well-appointed with stainless steel appliances, granite countertops, a large island, and a walk-in pantry. A dedicated office/den provides an inspiring work-from-home space, with seamless access to both front and back outdoor areas. Upstairs, a family-friendly layout offers three bedrooms, including a generous primary retreat with private balcony access, and a five-piece ensuite complete with a soaker tub. Two additional bedrooms are serviced by a four-piece bathroom. The lower level, complete with in-floor heating, adds flexibility with a fourth bedroom, three-piece bathroom, laundry, and a sound-insulated media room, ideal for a home theatre experience. Take in stunning sunsets over Okanagan Lake from the screened front deck, unwind in the privacy of the back patio and garden, or explore the upper yard with its peaceful, natural surroundings. Both decks are engineered for hot tubs, offering even more opportunity to enjoy this exceptional setting. Located just steps from lakeshore access, the boat launch, local cafes, and renowned wineries, this home places you in the center of the Okanagan lifestyle. (id:63159)

Values & Trends

This listing

$527/sqft

Building average

No other active listings in this building

Lake Country South West average

$646/sqft

52 active listing(s)

Parking: 4 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

Nearest station: Kelowna

Clear

15°C

Clear

Humidity 76%

Wind NNW 4 km/h

Tonight

11°

Tuesday

27°

Tuesday night

14°

Wednesday

24°

Wednesday night

13°

Thursday

19°

Source: Environment and Climate Change Canada.

Population

15,817

(2021 Census)

+22.4% since 2016

Density: 129.5/km²

Dwellings: 6,852

Median household income: $98,000

After-tax: $87,000

Immigrant population: 11.7%

Top countries of origin (% of total population)

  • United Kingdom2.7% · 425
  • Germany1.3% · 200
  • United States of America1% · 160
  • India0.8% · 120
  • South Africa, Republic of0.3% · 55
  • Philippines0.3% · 55
  • Netherlands0.3% · 50
  • Russian Federation0.2% · 35

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

19

2/9 categories nearby

Transit

Not enough data yet

How this is calculated

Amenities: points awarded per category (restaurants, cafes, grocery, parks, shopping, gyms, pharmacies, banks/ATMs, healthcare) based on distance to the nearest one — 3 points under 200m, 2 points under 500m, 1 point under 800m — summed across all 9 categories and scaled to 0–100.

Transit: based on the number of transit stops within 800m and their mode (SkyTrain weighted highest, then streetcar/ferry, then bus). This reflects stop type and count only — our data doesn't include how often a route actually runs, so frequency is never factored in.

Both scores depend on how much of the surrounding area has been synced from OpenStreetMap and TransLink's GTFS feed. A lower score can mean fewer amenities nearby, or simply that this area hasn't been fully synced yet — not a confident measurement of the location itself.

Nearby Schools

SchoolTypeDistance
Davidson Road ElementaryElementary1.7 km
George Elliot SecondarySecondary3.7 km
HS Grenda Middle SchoolMiddle3.8 km
Peter Greer ElementaryElementary4.4 km
Oyama Traditional SchoolElementary9.3 km
Aberdeen Hall Preparatory School(Independent)K-1212.4 km
North Glenmore ElementaryElementary12.7 km
Dr Knox Middle SchoolMiddle13.4 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.

Nearby Places

Restaurants (1)

  • The Salty Caramel Kitchen · 11407 Okanagan Centre Road West109 m

Parks (1)

  • Okanagan Centre Park442 m

Nearby places data: © OpenStreetMap contributors.

School district: Central Okanagan (SD23)

Mortgage & Ownership Cost Calculator

Minimum required: 20.0% ($390,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,560,000.00
Periodic payment — Principal & Interest (monthly)$10,064.59
Additional monthly expenses (strata, tax, utilities, etc.)$808.49
Total monthly cost$10,873.08
Interest paid over 5-yr term$447,100.48
Balance at end of term$1,403,225.05

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$390,000
Stress test qualifying rate8.09%
Payment you must qualify for$11,995.85

Cash Needed at Closing

Minimum down payment$390,000
Estimated BC PTT$37,000
Legal / closing costs (typical estimate)$1,500
Total cash needed$428,500

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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