Property Type: Land / LotOwnership: Freehold

19950 McCarthy Road Lot# 15

Lake Country, BC V4V0C2

$349,000

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Property Details

Property & Lot

Sub-type
Other
Lot size
0.1 acres

Ownership & Fees

Property type
Land / Lot
Ownership
Freehold
Strata / maintenance fee
$96/mo
Annual property tax
$0

Maintenance Fee Includes

Garbage

Also included: Other, See Remarks, Reserve Fund Contributions

Interior

Fireplace
None

Listing Information

MLS®
10394765
Listed
July 16, 2026
Time on market
On the market for 46 days
Data last synced
August 28, 2026

Listing provided by: Century 21 Assurance Realty Ltd · Data source: CREA DDF.

Description

Welcome to Lot 15 at 19950 McCarthy Road in the heart of Lake Country. This 4,520 sq ft vacant lot is zoned RU2 with all utilities available at the lot line. Ideally located close to the airport, schools, shopping, biking trails, public transit, recreation and community centres, this lot offers exceptional convenience for everyday living. Just steps away from a brand-new, expanded park with a playground, and situated between three beautiful lakes, this is the perfect setting to enjoy everything the Okanagan lifestyle has to offer. Buyers have the flexibility to bring their own builder or work with the same developer responsible for other homes in the subdivision. (id:63159)

Location Insights

Weather

Nearest station: Kelowna

Clear

12°C

Clear

Humidity 88%

Wind ENE 5 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.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

48

7/9 categories nearby

Transit

Not enough data yet

How this is calculated

Amenities: points awarded per category (restaurants, cafes, grocery, parks, shopping, gyms, pharmacies, banks/ATMs, healthcare) based on distance to the nearest one — 3 points under 200m, 2 points under 500m, 1 point under 800m — summed across all 9 categories and scaled to 0–100.

Transit: based on the number of transit stops within 800m and their mode (SkyTrain weighted highest, then streetcar/ferry, then bus). This reflects stop type and count only — our data doesn't include how often a route actually runs, so frequency is never factored in.

Both scores depend on how much of the surrounding area has been synced from OpenStreetMap and TransLink's GTFS feed. A lower score can mean fewer amenities nearby, or simply that this area hasn't been fully synced yet — not a confident measurement of the location itself.

Nearby Schools

SchoolTypeDistance
HS Grenda Middle SchoolMiddle365 m
George Elliot SecondarySecondary584 m
Peter Greer ElementaryElementary928 m
Davidson Road ElementaryElementary3.3 km
Oyama Traditional SchoolElementary9.4 km
Aberdeen Hall Preparatory School(Independent)K-1210.1 km
Ellison ElementaryElementary10.3 km
North Glenmore ElementaryElementary11.2 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.

Nearby Places

Restaurants (5+)

  • Chopsticks · 10071 Main Street355 m
  • Bun Tan Pho & Sushi356 m
  • L'Isola Bella Bistro464 m
  • Viva Mexicana · 9685 Highway 97556 m
  • Taste of India · 9685 Highway 97573 m

Cafes (2)

  • Tim Hortons381 m
  • Cream N Bean Coffeehouse · 9685 Highway 97569 m

Grocery (2)

  • IGA Marketplace337 m
  • Coopers Foods · 9522 Main Street663 m

Parks (3)

  • Swalwell Park224 m
  • War Monument Park366 m
  • Regional Park413 m

Shopping (1)

  • Okanagan Sundeck Centre · 9570 Bottom Wood Lake Road535 m

Pharmacies (2)

  • Shoppers Drug Mart · 9970 Main Street353 m
  • IDA Pharmacy714 m

Banks & ATMs (5+)

  • RBC · 9950 Main Street344 m
  • TD Bank356 m
  • CIBC434 m
  • Buster's Pizza & Donair - Lake Country - Bitcoin Well ATM · 10058 BC-97485 m
  • Interior Savings740 m

Nearby places data: © OpenStreetMap contributors.

School district: Central Okanagan (SD23)

Mortgage & Ownership Cost Calculator

Minimum required: 5.0% ($17,450) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$279,200.00
Periodic payment — Principal & Interest (monthly)$1,801.30
Additional monthly expenses (strata, tax, utilities, etc.)$96.26
Total monthly cost$1,897.56
Interest paid over 5-yr term$80,019.52
Balance at end of term$251,141.30

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$17,450
Stress test qualifying rate8.09%
Payment you must qualify for$2,549.50

Cash Needed at Closing

Minimum down payment$17,450
Estimated BC PTT$4,980
Legal / closing costs (typical estimate)$1,500
Total cash needed$23,930

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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