Property Type: Detached HouseOwnership: Freehold

1822 Cardinal Creek Road

Kelowna, BC V1P1J3

$1,189,000

4 bed3 bath2,876 sqftBuilt 1984
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Property Details

Property & Lot

Sub-type
House
Stories
2.5
Lot size
9.89 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$5,569.47

Interior

Heating
Baseboard heaters, Stove, Wood
Fireplace
None

Building

Water source
Well
Sewer
Septic tank
Parcel ID (PID)
001-968-726

Parking

Features
Additional Parking

Room Dimensions

RoomLevelDimensions
DenBasement10'2'' x 13'8''
Family roomBasement11'3'' x 19'4''
BedroomBasement10' x 11'
Full bathroomBasement
BedroomBasement12'6'' x 12'2''
LoftSecond level14' x 18'
Full bathroomSecond level6'6'' x 7'5''
BedroomSecond level14' x 21'
Primary BedroomMain level12'9'' x 13'8''
Laundry roomMain level7'4'' x 9'
Full bathroomMain level5'10'' x 8'5''
Dining roomMain level10'6'' x 11'5''
KitchenMain level12' x 13'
Living roomMain level19'4'' x 16'

Listing Information

MLS®
10391684
Listed
June 20, 2026
Time on market
On the market for 72 days
Data last synced
August 30, 2026

Listing provided by: REMAX Kelowna · Data source: CREA DDF.

Description

Escape to the peace and privacy of country living with this beautiful 4 bedroom, 3 bath log home set on 10 picturesque acres. Surrounded by nature and offering a quiet tranquil setting, this property features 5 fully fenced acres, making it ideal for enjoying the outdoors with kids and pets. Enjoy the best of both worlds - peaceful rural living with the convenience of being just a short drive from all amenities. This inviting home offers warmth, charm and plenty of space for family and guests, making it the perfect place to relax and create lasting memories. (id:63159)

Values & Trends

This listing

$413/sqft

Building average

No other active listings in this building

Joe Rich average

$628/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 ElementaryElementary12.5 km
Rutland Senior SecondaryElementary12.8 km
Belgo Elementary SchoolElementary12.9 km
Ellison ElementaryElementary13.0 km
Rutland Middle SchoolMiddle13.0 km
Okanagan Christian School(Independent)K-1213.4 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: 7.9% ($93,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$951,200.00
Periodic payment — Principal & Interest (monthly)$6,136.82
Additional monthly expenses (strata, tax, utilities, etc.)$608.12
Total monthly cost$6,744.94
Interest paid over 5-yr term$272,616.65
Balance at end of term$855,607.48

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$93,900
Stress test qualifying rate8.09%
Payment you must qualify for$8,420.94

Cash Needed at Closing

Minimum down payment$93,900
Estimated BC PTT$21,780
Legal / closing costs (typical estimate)$1,500
Total cash needed$117,180

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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