Property Type: Detached HouseOwnership: Freehold

1809 Cardinal Creek Road

Kelowna, BC V1P1J3

$875,000

3 bed2 bath1,195 sqftBuilt 1989
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
4.99 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$3,893.66

Interior

Heating
Baseboard heaters, Stove, Electric, Wood
Fireplace
Yes (1)
Fireplace type
Wood, Conventional
Flooring
Hardwood

Exterior & Lot

Exterior features
Wood
View
Mountain view, View (panoramic)
Pool
Pool, Above ground pool, Outdoor pool

Building

Roof
Vinyl Shingles, Unknown

Parking

Features
Covered, RV, Additional Parking

Room Dimensions

RoomLevelDimensions
Mud roomBasement11'1'' x 12'4''
Full bathroomBasement9'9'' x 8'6''
Recreation roomBasement11'9'' x 21'5''
Full bathroomSecond level5'0'' x 8'10''
BedroomSecond level8'0'' x 8'10''
BedroomSecond level9'4'' x 12'0''
Primary BedroomSecond level19'0'' x 11'6''
Dining roomMain level7'4'' x 9'6''
KitchenMain level11'4'' x 9'1''
Living roomMain level11'0'' x 11'4''

Listing Information

MLS®
10393958
Listed
July 8, 2026
Time on market
On the market for 54 days
Data last synced
August 28, 2026

Listing provided by: Royal LePage Kelowna · Data source: CREA DDF.

Description

This remarkable 5-acre property, located just 10 minutes from Kelowna, offers a perfect blend of privacy and convenience. Whether you're spending a summer day with family or enjoying a cozy winter evening by the fire, this property has something for everyone. Inside, the home features hardwood floors, an updated kitchen with modern appliances, a comfortable living room, and a dining area. Up the spiral stairs, you'll find three bedrooms, including a primary bedroom with a large walk-in closet. The new wood stove is incredibly efficient and can heat the entire home, while the downstairs offers plenty of space for relaxation, a newly tiled shower in the bathroom and laundry facilities. The outdoor amenities are a nature lover's dream, including a greenhouse with a wood stove, two chicken coops, three wood sheds, a kids playhouse, a pool, a hot tub, and a firepit. The property also includes a new hot water tank, workshop with access to the front yard, making it a great space for DIY projects or hobbies. A pole barn. A storage shed. Situated in Joe Rich, this acreage offers an excellent location directly on the school bus route, with pick-up at the end of the driveway. Additionally, it's only a 25-minute drive to the world-class Big White Ski/ Bike Resort. This property truly has it all. (id:63159)

Values & Trends

This listing

$732/sqft

Building average

No other active listings in this building

Joe Rich average

$608/sqft

16 active listing(s)

Parking: Not indicatedStorage 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

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

144,576

(2021 Census)

+13.5% since 2016

Density: 682.4/km²

Dwellings: 67,115

Median household income: $82,000

After-tax: $73,500

Immigrant population: 15.3%

Top countries of origin (% of total population)

  • United Kingdom2.1% · 3,055
  • India1.6% · 2,335
  • Philippines1.1% · 1,620
  • Germany1.1% · 1,540
  • United States of America1% · 1,375
  • China0.7% · 960
  • Poland0.4% · 585
  • South Africa, Republic of0.4% · 525

Source: Statistics Canada, 2021 Census of Population.

Nearby Schools

SchoolTypeDistance
Black Mountain ElementaryElementary9.9 km
Rutland ElementaryElementary12.3 km
South Rutland ElementaryElementary12.4 km
Rutland Senior SecondaryElementary12.8 km
Belgo Elementary SchoolElementary12.8 km
Rutland Middle SchoolMiddle13.0 km
Ellison ElementaryElementary13.0 km
Okanagan Christian School(Independent)K-1213.3 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)

Similar Listings Nearby

No similar listings found nearby right now.

Mortgage & Ownership Cost Calculator

Minimum required: 7.1% ($62,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$700,000.00
Periodic payment — Principal & Interest (monthly)$4,516.16
Additional monthly expenses (strata, tax, utilities, etc.)$384.47
Total monthly cost$4,900.63
Interest paid over 5-yr term$200,622.01
Balance at end of term$629,652.26

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$62,500
Stress test qualifying rate8.09%
Payment you must qualify for$6,247.84

Cash Needed at Closing

Minimum down payment$62,500
Estimated BC PTT$15,500
Legal / closing costs (typical estimate)$1,500
Total cash needed$79,500

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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