Property Type: Detached HouseOwnership: Freehold

13804 Ponderosa Way

Coldstream, BC V1B1A4

$3,500,000

6 bed5 full, 2 half bath8 parking4,022 sqftBuilt 1979
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Property Details

Property & Lot

Sub-type
House
Stories
3
Lot size
0.52 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$0

Interior

Basement
Full, Remodeled Basement
Heating
Forced air
Cooling / A/C
Central air conditioning
Fireplace
Yes (1)
Fireplace type
Wood, Gas, Mixed, Conventional, Unknown, Unknown
Flooring
Tile, Hardwood, Other

Exterior & Lot

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

Building

Roof
Cedar shake, Unknown

Parking

Total spaces
8 — covered indicated
Features
Detached Garage, Additional Parking

Room Dimensions

RoomLevelDimensions
Utility roomLower level9'10'' x 16'3''
StorageLower level5'11'' x 9'10''
3pc BathroomLower level9'6'' x 14'8''
Partial ensuite bathroomLower level
Primary BedroomLower level13'7'' x 15'4''
BedroomLower level9'9'' x 14'8''
BedroomLower level9'5'' x 14'2''
BedroomLower level11'1'' x 15'4''
BedroomLower level9'9'' x 21'6''
OfficeLower level10'8'' x 11'2''
Laundry roomLower level7'4'' x 14'7''
3pc BathroomLower level
SaunaLower level5' x 6'
LoftSecond level15'4'' x 12'9''
Full ensuite bathroomSecond level
Primary BedroomSecond level16'1'' x 10'6''
Mud roomMain level5' x 8'
2pc BathroomMain level
SunroomMain level10'10'' x 7'10''
Dining roomMain level9'6'' x 15'9''
KitchenMain level12'2'' x 9'10''
Living roomMain level17' x 21'10''
FoyerMain level8' x 10'

Listing Information

MLS®
10357157
Listed
April 13, 2026
Time on market
On the market for 140 days
Data last synced
August 28, 2026

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

Description

Ponderosa Bay is an exquisite, architecturally distinctive estate set within a lush, verdant landscape along the shimmering, ever-changing waters of Kalamalka Lake. This private 0.52-acre, park-like sanctuary boasts over 160 feet of pristine waterfront, complete with a natural pebble beach and private dock—offering a rare opportunity to experience one of Canada’s most breathtaking lakes firsthand. Located at 13804 Ponderosa Way, this remarkable 4,000 sq. ft. multi-level residence features 6 bedrooms and 5 bathrooms, thoughtfully designed to accommodate both grand entertaining and comfortable everyday living. A double car garage with additional parking ensures ample space for vehicles and guests alike At the heart of the home, the kitchen opens onto a stunning rooftop patio, where elevated lake views create the perfect setting for morning coffee or evening gatherings under the Okanagan sky. This property delivers a year-round, opulent Okanagan lifestyle—from boating and paddleboarding to swimming, kayaking, and a full range of water sports right from your shoreline. Enjoy lakeside relaxation, scenic hiking trails, and easy access to world-class wineries, championship golf courses, and the renowned Silver Star Mountain Resort, all just a short drive away. A true once-in-a-generation offering, Ponderosa Bay has played host to unforgettable moments—from elegant lakeside weddings to the arrival of float planes—making it as storied as it is spectacular. (id:63159)

Values & Trends

This listing

$870/sqft

Building average

No other active listings in this building

Mun of Coldstream average

$483/sqft

38 active listing(s)

Parking: 8 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: Vernon

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

11,171

(2021 Census)

+4.9% since 2016

Density: 167.8/km²

Dwellings: 4,341

Median household income: $110,000

After-tax: $97,000

Immigrant population: 11.4%

Top countries of origin (% of total population)

  • United Kingdom2.4% · 265
  • Germany1.3% · 150
  • United States of America0.8% · 90
  • India0.7% · 75
  • South Africa, Republic of0.5% · 60
  • Poland0.4% · 50
  • Netherlands0.4% · 40
  • China0.3% · 35

Source: Statistics Canada, 2021 Census of Population.

Nearby Schools

SchoolTypeDistance
Kidston ElementaryElementary2.5 km
Kalamalka SecondaryElementary2.9 km
Coldstream ElementaryElementary4.0 km
Clarence Fulton SecondaryElementary4.9 km
Mission Hill ElementaryElementary5.1 km
Ellison ElementaryElementary5.2 km
Okanagan Landing ElementaryElementary5.5 km
Alternative Learning ProgramSecondary5.5 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: Vernon (SD22)

Mortgage & Ownership Cost Calculator

Minimum required: 20.0% ($700,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$2,800,000.00
Periodic payment — Principal & Interest (monthly)$18,064.65
Additional monthly expenses (strata, tax, utilities, etc.)$201.00
Total monthly cost$18,265.65
Interest paid over 5-yr term$802,488.05
Balance at end of term$2,518,609.06

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$700,000
Stress test qualifying rate8.09%
Payment you must qualify for$21,531.02

Cash Needed at Closing

Minimum down payment$700,000
Estimated BC PTT$93,000
Legal / closing costs (typical estimate)$1,500
Total cash needed$794,500

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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