Property Type: Detached HouseOwnership: Freehold

1124 FISH LAKE Road

Summerland, BC V0H1Z8

$1,599,000

4 bed3.5 bath4 parking4,723 sqftBuilt 2011
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
38.54 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,726

Interior

Basement
Full
Heating
Electric, Geothermal
Cooling / A/C
Central air conditioning, Geothermal
Fireplace
Yes (1)
Fireplace type
Free Standing Metal
Flooring
Tile

Exterior & Lot

Exterior features
Other
View
Mountain view
Pool
Pool, Above ground pool

Building

Roof
Metal, Unknown

Parking

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

Restrictions & Policies

Pets
Allowed
Rentals
Allowed

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

Room Dimensions

RoomLevelDimensions
OtherMain level43'0'' x 23'0''
Utility roomBasement9'7'' x 12'10''
BedroomBasement13'8'' x 12'0''
Laundry roomMain level13'10'' x 8'4''
OtherMain level11'0'' x 4'5''
StorageBasement4'10'' x 11'10''
StorageSecond level20'0'' x 6'
StorageSecond level20'0'' x 6'
Primary BedroomMain level15'1'' x 11'11''
LoftSecond level20'5'' x 23'2''
Living roomMain level21'2'' x 16'
KitchenMain level14'4'' x 15'8''
Recreation roomBasement42'0'' x 29'3''
BedroomMain level16'0'' x 12'0''
BedroomBasement13'10'' x 12'0''
4pc BathroomBasement7'10'' x 11'11''
2pc BathroomMain level3'10'' x 9'10''
5pc Ensuite bathMain level7'8'' x 8'10''

Listing Information

MLS®
10393956
Listed
July 14, 2026
Time on market
On the market for 49 days
Data last synced
August 28, 2026

Listing provided by: Team 3000 Realty Ltd · Data source: CREA DDF.

Description

Welcome to TIMBER ROCK RANCH, a private 38-acre RETREAT offering exceptional self-sufficient living without compromising MODERN COMFORT. Located just 20 min. west of Summerland and minutes from Darke Lake Provincial Park, this thoughtfully designed home features ENERGY-EFFICIENT ICF construction, GEOTHERMAL heating and cooling, a Nu-Air system and a wood-burning stove for added warmth. The spacious open-concept layout includes four bedrooms and three bathrms, with the primary suite & laundry on the main floor. Full basement with its own wheelchair access. A high-producing drilled Well delivers approximately 90 GPM ensuring abundant water for household use, gardening and livestock. The property offers a 24’ x 44’ SHOP with 14’ ceilings, established garden, greenhouse, private trails and ample firewood harvesting. Timber Rock Ranch has also become a welcoming gathering place with live concerts hosted on site and a charming sleeping cabin-ideal for those envisioning a retreat space, hobby farm or unique venue. Divided by Fish Lake Road with a SOUTH-FACING 17 ACREs featuring road access, building sites, and Well location. RESOURCE AREA ZONING provides flexibility for farming, livestock, recreation, and a variety of home-based business possibilities. Solar & irrigation projects are already underway adding to the property’s long-term sustainability. This is more than a home-it’s a place to build, grow, gather, and live a lifestyle defined by PRIVACY,FREEDOM AND POSSIBILITY. (id:63159)

Values & Trends

This listing

$339/sqft

Building average

No other active listings in this building

Summerland Rural average

$774/sqft

27 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

17°C

Humidity 56%

Wind SW 4 km/h

Tonight

12°

Tuesday

27°

Tuesday night

15°

Wednesday

24°

Wednesday night

13°

Thursday

19°

Source: Environment and Climate Change Canada.

Population

12,042

(2021 Census)

+3.7% since 2016

Density: 162.6/km²

Dwellings: 5,426

Median household income: $82,000

After-tax: $74,000

Immigrant population: 12.2%

Top countries of origin (% of total population)

  • United Kingdom3.3% · 395
  • Germany1% · 125
  • India0.9% · 110
  • United States of America0.8% · 95
  • Netherlands0.7% · 85
  • Poland0.4% · 50
  • Hungary0.3% · 40
  • Philippines0.3% · 40

Source: Statistics Canada, 2021 Census of Population.

Nearby Schools

SchoolTypeDistance
Peachland ElementaryElementary14.1 km
Summerland SecondaryK-1215.5 km
Summerland Montessori School(Independent)Elementary15.6 km
Unisus Senior School(Independent)Secondary17.3 km
Unisus Junior School(Independent)Elementary17.3 km
Trout Creek ElementaryElementary20.7 km
Glenrosa Middle SchoolMiddle21.0 km
Naramata ElementaryElementary21.0 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-Skaha (SD67)

Mortgage & Ownership Cost Calculator

Minimum required: 20.0% ($319,800) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,279,200.00
Periodic payment — Principal & Interest (monthly)$8,252.96
Additional monthly expenses (strata, tax, utilities, etc.)$629.83
Total monthly cost$8,882.80
Interest paid over 5-yr term$366,622.40
Balance at end of term$1,150,644.54

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$319,800
Stress test qualifying rate8.09%
Payment you must qualify for$9,836.60

Cash Needed at Closing

Minimum down payment$319,800
Estimated BC PTT$29,980
Legal / closing costs (typical estimate)$1,500
Total cash needed$351,280

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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