Property Type: Detached HouseOwnership: Freehold

3015 Ponderosa Drive

Naramata, BC V0H1N1

$1,100,000

5 bed3 bath1 parking2,960 sqftBuilt 1979
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Property Details

Property & Lot

Sub-type
House
Stories
3
Lot size
0.5 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,649.02

Interior

Heating
Heat Pump, Baseboard heaters
Cooling / A/C
Heat Pump
Fireplace
Yes (1)
Fireplace type
Wood, Conventional
Flooring
Hardwood, Ceramic Tile, Vinyl

Exterior & Lot

Exterior features
Stucco
View
Lake view, Mountain view, Valley view, View of water, View (panoramic), Unknown

Building

Roof
Unknown, Unknown

Parking

Total spaces
1 — covered indicated
Features
Attached Garage

Room Dimensions

RoomLevelDimensions
Recreation roomLower level20'10'' x 23'7''
BedroomLower level10'6'' x 12'7''
BedroomLower level8'6'' x 10'6''
Full bathroomLower level7'5'' x 8'10''
LoftSecond level8'4'' x 12'1''
BedroomSecond level8'10'' x 10'3''
BedroomSecond level12'0'' x 12'11''
Full bathroomSecond level7'1'' x 8'3''
OtherMain level7'0'' x 8'1''
SunroomMain level9'3'' x 22'11''
Primary BedroomMain level10'11'' x 16'8''
Living roomMain level14'3'' x 21'2''
Laundry roomMain level8'4'' x 10'3''
KitchenMain level10'0'' x 10'9''
FoyerMain level8'3'' x 14'8''
Dining roomMain level10'9'' x 11'2''
Full ensuite bathroomMain level10'1'' x 10'8''

Listing Information

MLS®
10396746
Listed
August 5, 2026
Time on market
On the market for 26 days
Data last synced
August 28, 2026

Listing provided by: Real Broker B.C. Ltd · Data source: CREA DDF.

Description

Discover the Naramata lifestyle in this beautifully updated 5 bedroom, 3 bathroom home offering 2,960 SQFT of living space and stunning lake views in the heart of one of the Okanagan's most sought-after communities. Set on a fully fenced 1/2 acre lot, this is a home where you can simply move in and start enjoying everything Naramata has to offer. The spacious layout features a main-floor primary suite with walk-in closet and ensuite, a bright renovated kitchen, loft office, walk-out basement, four-season sunroom, wood-burning fireplace, and expansive deck perfect for soaking in the views. Step outside to your own private oasis. The fully fenced yard is beautifully landscaped with a rose garden, goldfish pond, vegetable garden, and an incredible collection of mature fruit and nut trees, berry bushes, and kiwi vines. Whether you're entertaining, gardening, or harvesting from your own orchard, every season brings something special. Complete with a single-car garage and work studio, this exceptional property is just minutes from renowned wineries, beaches, hiking trails, and everything that makes Naramata one of the South Okanagan's most desirable places to call home. (id:63159)

Values & Trends

This listing

$372/sqft

Building average

No other active listings in this building

Naramata Village average

$1,022/sqft

8 active listing(s)

Parking: 1 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: Summerland

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.

Nearby Schools

SchoolTypeDistance
Naramata ElementaryElementary1.5 km
Trout Creek ElementaryElementary4.0 km
Unisus Senior School(Independent)Secondary7.3 km
Unisus Junior School(Independent)Elementary7.3 km
Summerland SecondaryK-127.6 km
Summerland Montessori School(Independent)Elementary7.8 km
Uplands ElementaryElementary9.6 km
Queens Park ElementaryElementary10.5 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)

Mortgage & Ownership Cost Calculator

Minimum required: 7.7% ($85,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$880,000.00
Periodic payment — Principal & Interest (monthly)$5,677.46
Additional monthly expenses (strata, tax, utilities, etc.)$535.42
Total monthly cost$6,212.88
Interest paid over 5-yr term$252,210.53
Balance at end of term$791,562.85

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$85,000
Stress test qualifying rate8.09%
Payment you must qualify for$7,804.99

Cash Needed at Closing

Minimum down payment$85,000
Estimated BC PTT$20,000
Legal / closing costs (typical estimate)$1,500
Total cash needed$106,500

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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