Property Type: Detached HouseOwnership: FreeholdNEW LISTING

12686 Cliffshore Drive

Lake Country, BC V4V2P6

$1,080,000

4 bed3 bath2 parking2,563 sqftBuilt 2007
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Property Details

Property & Lot

Sub-type
House
Style
Ranch
Stories
2
Lot size
0.16 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,816

Interior

Basement
Full
Heating
Forced air, Other
Cooling / A/C
Central air conditioning
Fireplace
None

Exterior & Lot

View
Lake view, Mountain view, Valley view, View (panoramic)

Building

Water source
Municipal water
Sewer
Municipal sewage system
Parcel ID (PID)
026-716-330

Parking

Total spaces
2 — covered indicated
Features
Attached Garage

Room Dimensions

RoomLevelDimensions
Utility roomLower level6'1'' x 7'4''
4pc BathroomLower level4'11'' x 8'8''
BedroomLower level7' x 11'9''
BedroomLower level11'7'' x 11'1''
BedroomLower level10'4'' x 15'5''
Family roomLower level12'5'' x 22'1''
Recreation roomLower level18'3'' x 18'
FoyerMain level12'8'' x 10'5''
Dining roomMain level7'10'' x 13'3''
4pc BathroomMain level4'11'' x 8'8''
OfficeMain level9'9'' x 11'11''
4pc Ensuite bathMain level9'8'' x 11'7''
Primary BedroomMain level12'10'' x 15'7''
Living roomMain level14'6'' x 18'9''
KitchenMain level9'5'' x 13'3''

Listing Information

MLS®
10399248
Listed
August 31, 2026
Time on market
Listed today
Data last synced
September 1, 2026

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

Description

Sweeping lake, mountain, and valley views define this custom-built walkout rancher in Lake Country's sought-after Lakes community. Set on a low-maintenance 0.16-acre lot, the 2,563-square-foot home offers easy one-level living with a fully finished walkout basement below — ideal for multigenerational living or guests. The main floor opens into a bright, open-concept living, dining, and kitchen space warmed by a two-sided gas fireplace shared with the covered deck, where the panoramic views take center stage. Maple hardwood floors and granite counters run through an island kitchen with newer appliances (2023), while the main-floor primary suite features a private, spa-inspired custom shower. Downstairs, a separate entrance leads to three additional bedrooms and a rec room built for entertaining, complete with a wet bar, wine cooler, in-floor heat, and rough-in wiring for a hot tub. An attached double garage with lane access, parking for five vehicles, and an on-demand hot water system (2023) round out the practical side. All this on a quiet, walkable street with sidewalks, streetlights, and trails close by — minutes from wineries, beaches, and everything Lake Country and Kelowna have to offer. (id:63159)

Values & Trends

This listing

$421/sqft

Building average

No other active listings in this building

Lake Country North West average

$510/sqft

34 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

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

4

1/9 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 ElementaryElementary2.2 km
George Elliot SecondarySecondary4.2 km
Peter Greer ElementaryElementary4.4 km
HS Grenda Middle SchoolMiddle4.5 km
Oyama Traditional SchoolElementary5.6 km
Aberdeen Hall Preparatory School(Independent)K-1214.8 km
Ellison ElementaryElementary15.1 km
North Glenmore ElementaryElementary15.6 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

Parks (2)

  • Unnamed629 m
  • Apex Park788 m

Nearby places data: © OpenStreetMap contributors.

School district: Central Okanagan (SD23)

Mortgage & Ownership Cost Calculator

Minimum required: 7.7% ($83,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$864,000.00
Periodic payment — Principal & Interest (monthly)$5,574.23
Additional monthly expenses (strata, tax, utilities, etc.)$529.33
Total monthly cost$6,103.57
Interest paid over 5-yr term$247,624.88
Balance at end of term$777,170.79

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$83,000
Stress test qualifying rate8.09%
Payment you must qualify for$7,666.58

Cash Needed at Closing

Minimum down payment$83,000
Estimated BC PTT$19,600
Legal / closing costs (typical estimate)$1,500
Total cash needed$104,100

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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