Property Type: Land / LotOwnership: Freehold

18451 Crystal Waters Road Lot# 14

Oyama, BC V4V2G2

$1,289,000

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Property Details

Property & Lot

Sub-type
Other
Lot size
0.16 acres

Ownership & Fees

Property type
Land / Lot
Ownership
Freehold
Strata / maintenance fee
$600/mo
Annual property tax
$5,649.76

Maintenance Fee Includes

Management

Also included: Ground Maintenance, Insurance, Other, See Remarks, Reserve Fund Contributions

Interior

Fireplace
None

Exterior & Lot

View
Lake view, Mountain view

Restrictions & Policies

Pets
Allowed
Rentals
Allowed

As reported by the listing board — always confirm current bylaws with the strata or landlord before relying on this.

Listing Information

MLS®
10395217
Listed
August 5, 2026
Time on market
On the market for 26 days
Data last synced
August 28, 2026

Listing provided by: RE/MAX Vernon Salt Fowler · Data source: CREA DDF.

Description

Set within the exclusive gated community of Crystal Waters, this exceptional lakeview homesite offers the rare opportunity to create a home inspired by one of Canada's most spectacular natural settings. Here, every day begins with panoramic views of the turquoise waters of Kalamalka Lake and ends surrounded by the peace and beauty that make this destination so extraordinary. Complete with an included boat slip and exclusive access to the private residents-only dock, your days can be spent boating, paddleboarding, swimming, or simply soaking in the Okanagan sunshine. Nearby hiking and Rail Trail, world-class golf at Predator Ridge, award-winning wineries, and Kelowna International Airport are all just minutes away, offering the perfect balance of recreation, convenience, and luxury. With services already available at the property line and the freedom to bring your own builder, this remarkable homesite is ready for your vision. Whether you're creating a year-round residence or an exceptional vacation retreat, this is more than a place to build-it's where your next chapter begins. (id:63159)

Location Insights

Weather

Nearest station: Vernon

16°C

Humidity 68%

Wind ESE 16 km/h

Tonight

11°

Tuesday

27°

Tuesday night

14°

Wednesday

24°

Wednesday night

13°

Thursday

19°

Source: Environment and Climate Change Canada.

Nearby Schools

SchoolTypeDistance
Oyama Traditional SchoolElementary4.6 km
Okanagan Landing ElementaryElementary10.0 km
Kidston ElementaryElementary11.5 km
Kalamalka SecondaryElementary11.8 km
Davidson Road ElementaryElementary11.9 km
Clarence Fulton SecondaryElementary11.9 km
Ellison ElementaryElementary11.9 km
Coldstream ElementaryElementary12.7 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)

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Mortgage & Ownership Cost Calculator

Minimum required: 8.1% ($103,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,031,200.00
Periodic payment — Principal & Interest (monthly)$6,652.95
Additional monthly expenses (strata, tax, utilities, etc.)$1,070.81
Total monthly cost$7,723.77
Interest paid over 5-yr term$295,544.88
Balance at end of term$927,567.74

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$103,900
Stress test qualifying rate8.09%
Payment you must qualify for$9,113.00

Cash Needed at Closing

Minimum down payment$103,900
Estimated BC PTT$23,780
Legal / closing costs (typical estimate)$1,500
Total cash needed$129,180

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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