Property Type: Detached HouseOwnership: Freehold

18451 Crystal Waters Road Unit# 34

Lake Country, BC V4V2G2

$2,099,000

4 bed4.5 bath10 parking2,778 sqftBuilt 2018
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Property Details

Property & Lot

Sub-type
House
Stories
3
Lot size
0.11 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Strata / maintenance fee
$600/mo
Annual property tax
$8,278.87

Interior

Basement
Full
Heating
Forced air
Cooling / A/C
Central air conditioning
Fireplace
Yes (2)
Fireplace type
Gas, Unknown
Flooring
Tile, Vinyl

Exterior & Lot

Exterior features
Stone, Stucco
View
Lake view, Mountain view, Valley view, View (panoramic)

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
10 — covered indicated
Features
Attached Garage, RV, Oversize, See Remarks, Heated Garage

Restrictions & Policies

Pets
Allowed, Restrictions apply, Allowed with restrictions
Rentals
Allowed with restrictions

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

Room Dimensions

RoomLevelDimensions
OtherBasement7'0'' x 5'10''
BedroomBasement10'6'' x 11'2''
OtherBasement5'5'' x 3'0''
BedroomBasement12'11'' x 11'2''
KitchenMain level12'0'' x 15'9''
PantryMain level4'3'' x 7'10''
Dining roomMain level13'9'' x 10'6''
4pc BathroomMain level7'8'' x 4'11''
Primary BedroomMain level13'5'' x 16'4''
OtherMain level9'2'' x 6'10''
5pc Ensuite bathMain level7'7'' x 14'9''
BedroomMain level11'11'' x 9'8''
OtherMain level3'10'' x 3'10''
Laundry roomMain level7'0'' x 6'7''
Mud roomMain level7'5'' x 7'3''
LoftSecond level14'0'' x 14'2''
Partial bathroomSecond level6'5'' x 7'0''
Recreation roomBasement16'10'' x 25'10''
Full bathroomBasement9'2'' x 6'9''
Living roomMain level15'5'' x 15'2''
FoyerMain level6'5'' x 22'2''

Listing Information

MLS®
10395830
Listed
July 31, 2026
Time on market
On the market for 31 days
Data last synced
August 28, 2026

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

Description

Welcome to Crystal Waters - an exclusive gated lakefront community on the shores of spectacular Kalamalka Lake. This beautifully appointed home offers the ultimate Okanagan lifestyle, complete with a private boat slip and updated lift (12,000lb), making spontaneous days on the lake as easy as stepping outside your door. Boasting 4 beds, 4 baths, and 2,778 sqft of interior living space, plus a spectacular semi-covered upper patio, there is room for everyone in every season. The chef-inspired kitchen is the heart of the home, featuring premium appliances, generous prep space, pantry, and flows to the dining and living areas - perfect for entertaining. The spacious primary retreat features a walk-in closet and spa-inspired ensuite with oversized glass shower, with convenient access directly to the laundry room. Downstairs is an incredibly flexible layout featuring 2 more bedrooms (both with walk-in closets), full bathroom, and recreation room with wet bar. Also on the lower level is the truly incredible secondary garage, with two double doors, which provides over 1,200 sqft of additional parking, storage, etc. An elevator provides convenient access between levels, including the spectacular rooftop patio where lake and mountain views create the perfect backdrop for sunset gatherings. Complete with a fire table and plumbing already in place for a future outdoor kitchen, this incredible space is made for unforgettable Okanagan evenings. The oversized garage offers exceptional room for vehicles, watercraft, bikes, and all your adventure gear, making it ideal for an active, lock-and-leave lifestyle. Residents of Crystal Waters enjoy private beach access, a marina, beautifully maintained grounds, and direct connection to the Okanagan Rail Trail for walking and cycling. Whether you're seeking a year-round residence or an exceptional recreational retreat, this is a rare opportunity to experience luxury lake living in one of Lake Country's most coveted waterfront communities. (id:63159)

Values & Trends

This listing

$756/sqft

Building average

No other active listings in this building

Lake Country East / Oyama average

$900/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 SchoolElementary4.6 km
Okanagan Landing ElementaryElementary10.0 km
Kidston ElementaryElementary11.5 km
Kalamalka SecondaryElementary11.9 km
Davidson Road ElementaryElementary11.9 km
Clarence Fulton SecondaryElementary11.9 km
Ellison ElementaryElementary11.9 km
Coldstream ElementaryElementary12.8 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: 20.0% ($419,800) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,679,200.00
Periodic payment — Principal & Interest (monthly)$10,833.63
Additional monthly expenses (strata, tax, utilities, etc.)$1,428.91
Total monthly cost$12,262.53
Interest paid over 5-yr term$481,263.55
Balance at end of term$1,510,445.83

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$419,800
Stress test qualifying rate8.09%
Payment you must qualify for$12,912.46

Cash Needed at Closing

Minimum down payment$419,800
Estimated BC PTT$40,970
Legal / closing costs (typical estimate)$1,500
Total cash needed$462,270

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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