28996 GARNET VALLEY Road
Summerland, BC V0H1Z5
$399,900
Property Details
Property & Lot
- Sub-type
- Other
- Lot size
- 5.21 acres
Ownership & Fees
- Property type
- Land / Lot
- Ownership
- Freehold
- Annual property tax
- $1,826
Interior
- Fireplace
- None
Exterior & Lot
- Waterfront
- Waterfront on creek
Listing Information
- MLS®
- 10362351
- Listed
- September 10, 2025
- Time on market
- On the market for 355 days
- Data last synced
- August 28, 2026
Listing provided by: eXp Realty (Kelowna) · Data source: CREA DDF.
Description
Looking to build your new home this spring in a rural setting minutes from town? This stunning 5+ acre property offers the perfect setting for your dream home, with privacy, natural beauty, and functional features already in place. Surrounded by farmland and complete with a peaceful creek running through, the land is partially wooded yet offers flat, usable space for your home and shop. A shed with hydro and water is already on-site, along with a septic tank, making it easier to bring your vision to life. Whether you’re dreaming of a cozy cabin, a modern farmhouse, or a recreational property, this acreage provides the ideal foundation — a rare opportunity to create the lifestyle you’ve been envisioning. Building plans already created and deposit in place with a builder so you can step right in with these dream home plans! Near Garnet Lake and Park, wineries, and camping you'll enjoy this peaceful location. (id:63159)
Location Insights
Weather
16°C
—
Humidity 59%
Wind W 8 km/h
Tonight
12°
Tuesday
27°
Tuesday night
15°
Wednesday
24°
Wednesday night
13°
Thursday
19°
Source: Environment and Climate Change Canada.
Population
12,042
(2021 Census)
+3.7% since 2016
Density: 162.6/km²
Dwellings: 5,426
Median household income: $82,000
After-tax: $74,000
Immigrant population: 12.2%
Top countries of origin (% of total population)
- United Kingdom3.3% · 395
- Germany1% · 125
- India0.9% · 110
- United States of America0.8% · 95
- Netherlands0.7% · 85
- Poland0.4% · 50
- Hungary0.3% · 40
- Philippines0.3% · 40
Source: Statistics Canada, 2021 Census of Population.
Nearby Schools
| School | Type | Distance |
|---|---|---|
| Summerland Secondary | K-12 | 8.8 km |
| Summerland Montessori School(Independent) | Elementary | 9.1 km |
| Unisus Junior School(Independent) | Elementary | 11.1 km |
| Unisus Senior School(Independent) | Secondary | 11.1 km |
| Peachland Elementary | Elementary | 13.4 km |
| Naramata Elementary | Elementary | 13.7 km |
| Trout Creek Elementary | Elementary | 13.9 km |
| Webber Road Elementary | Elementary | 19.5 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: Okanagan-Skaha (SD67)
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Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($19,995) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Rates based on Bank of Canada benchmark data.
Financial Summary
Cash Needed at Closing
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.