Property Type: Detached HouseOwnership: Freehold

13890 Oyama Road

Lake Country, BC V4V2B2

$1,099,000

3 bed3.5 bath10 parking2,398 sqftBuilt 1975
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
0.49 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,556.53

Interior

Heating
Baseboard heaters, Electric
Cooling / A/C
Central air conditioning
Fireplace
Yes (2)
Fireplace type
Gas, Unknown
Flooring
Tile, Hardwood, Carpeted

Exterior & Lot

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

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
10 — covered indicated
Features
Attached Garage, Covered, RV, Oversize

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
3pc BathroomBasement6'10'' x 12'4''
BedroomBasement11'6'' x 15'5''
Recreation roomBasement24'10'' x 29'7''
StorageMain level22'0'' x 12'0''
Laundry roomMain level'0'' x '0''
4pc BathroomMain level8'1'' x 5'0''
BedroomMain level16'0'' x 8'9''
2pc Ensuite bathMain level4'3'' x 5'0''
Primary BedroomMain level15'11'' x 10'9''
Dining roomMain level11'11'' x 9'11''
KitchenMain level8'0'' x 10'0''
Living roomMain level12'0'' x 19'4''

Listing Information

MLS®
10397689
Listed
August 18, 2026
Time on market
On the market for 13 days
Data last synced
August 28, 2026

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

Description

Located in the picturesque setting of Oyama, this sprawling 0.49 acre property features incredible lake views and endless potential. This three bedroom, three bathroom home features a great layout, and some thoughtful updates, and has expansive yard and outdoor space. The living room welcomes you with a gas fireplace framed by two picture windows. The kitchen features stainless steel appliances & pantry, and opens onto the dining area. A picturesque, full width patio provides the perfect place to relax and take in the world-class views. The primary bedroom features a half ensuite bathroom, and is perfectly positioned to the lake. A second bedroom, full bathroom, and laundry room finish the main level. Downstairs is a generous recreation/family room with another gas fireplace. There is also a large third bedroom and a gorgeous renovated bathroom with tile shower and heated floors. There is an attached garage plus a massive storage room, in addition to a detached carport - plenty of room for all the toys. This property boasts multiple sheds and shops with power, plus a fun cabin for the kids, and extensive flower beds and gardens. This property is offered with an existing RV, fully hooked up with its own patio. (id:63159)

Values & Trends

This listing

$458/sqft

Building average

No other active listings in this building

Lake Country East / Oyama average

$907/sqft

42 active listing(s)

Parking: 10 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.

Nearby Schools

SchoolTypeDistance
Oyama Traditional SchoolElementary2.7 km
Davidson Road ElementaryElementary5.4 km
Peter Greer ElementaryElementary5.9 km
George Elliot SecondarySecondary6.2 km
HS Grenda Middle SchoolMiddle6.4 km
Ellison ElementaryElementary16.3 km
Aberdeen Hall Preparatory School(Independent)K-1216.7 km
Okanagan Landing ElementaryElementary17.3 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: 7.7% ($84,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$879,200.00
Periodic payment — Principal & Interest (monthly)$5,672.30
Additional monthly expenses (strata, tax, utilities, etc.)$499.71
Total monthly cost$6,172.01
Interest paid over 5-yr term$251,981.25
Balance at end of term$790,843.24

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$84,900
Stress test qualifying rate8.09%
Payment you must qualify for$7,798.07

Cash Needed at Closing

Minimum down payment$84,900
Estimated BC PTT$19,980
Legal / closing costs (typical estimate)$1,500
Total cash needed$106,380

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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