Property Type: Detached HouseOwnership: Freehold

3303 Water Birch Circle

Kelowna, BC V1V3G1

$1,679,000

3 bed5 full, 2 half bath4 parking3,702 sqftBuilt 2019
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Property Details

Property & Lot

Sub-type
House
Stories
1
Lot size
0.3 acres
Frontage
40 feet

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$8,986

Interior

Basement
Full
Heating
Heat Pump, Forced air, See remarks, Hot Water
Cooling / A/C
Central air conditioning, Heat Pump
Fireplace
Yes (3)
Fireplace type
Insert
Flooring
Tile, Hardwood, Laminate, Carpeted, Ceramic Tile

Exterior & Lot

Exterior features
Stone, Stucco, Wood siding, Other
View
Lake view, Mountain view, View (panoramic)
Waterfront
Other
Lot features
Irregular lot size, Two Balconies

Building

Roof
Asphalt shingle, Other, Unknown
Water source
Municipal water
Sewer
Municipal sewage system
Parcel ID (PID)
029-823-382

Parking

Total spaces
4 — covered indicated
Features
Attached Garage, Oversize, Additional Parking

Room Dimensions

RoomLevelDimensions
OtherMain level25'0'' x 24'0''
3pc Ensuite bathBasement
BedroomBasement14'8'' x 12'6''
3pc Ensuite bathBasement
BedroomBasement14'9'' x 12'2''
Recreation roomBasement11'0'' x 23'6''
Recreation roomBasement9'0'' x 13'0''
Family roomBasement13'0'' x 13'6''
2pc BathroomMain level
2pc BathroomMain level
DenMain level12'0'' x 10'0''
5pc Ensuite bathMain level
Primary BedroomMain level18'0'' x 12'6''
Living roomMain level15'0'' x 17'0''
Dining roomMain level12'6'' x 8'0''
PantryMain level8'1'' x 8'5''
KitchenMain level15'6'' x 15'0''

Listing Information

MLS®
10396595
Listed
July 31, 2026
Time on market
On the market for 31 days
Data last synced
August 30, 2026

Listing provided by: Royal LePage Kelowna · Data source: CREA DDF.

Description

Take in the lakeview and surroundings from either one of your two covered decks or right from your bedroom - your home will truly become your oasis. This 3 bed 5 bath home is immaculately kept with over 3700 Sq Ft to enjoy including extra space for your vehicles and toys with a 2.5 bay attached garage. The low maintenance yard compliments the relaxing lifestyle. Just a short 15 minutes from the Downtown Core, a few minutes to UBCO and ten minutes to the Airport. Are you ready to reside in your own slice of paradise? The growing community of McKinley Beach awaits. The expansive list of amenities includes tennis and pickleball courts, an outdoor gym, a playground and a community garden. An additional Community Centre includes a gym, workout room, an indoor pool and a hot tub. If you prefer to enjoy the outdoors, 2.5 kms of hiking trails and 1 km of beachfront is available to use at your leisure. Lakeside living becomes possible with a private Marina that hosts 110 boat slips. FINANCING AVAILABLE! Sellers will carry up to $1.2 million first mortgage at 3.25% with monthly payments of $3250 for 1-2 year term. (OAC) (id:63159)

Values & Trends

This listing

$454/sqft

Building average

No other active listings in this building

McKinley Landing average

$630/sqft

21 active listing(s)

Parking: 4 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

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

144,576

(2021 Census)

+13.5% since 2016

Density: 682.4/km²

Dwellings: 67,115

Median household income: $82,000

After-tax: $73,500

Immigrant population: 15.3%

Top countries of origin (% of total population)

  • United Kingdom2.1% · 3,055
  • India1.6% · 2,335
  • Philippines1.1% · 1,620
  • Germany1.1% · 1,540
  • United States of America1% · 1,375
  • China0.7% · 960
  • Poland0.4% · 585
  • South Africa, Republic of0.4% · 525

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

4

1/9 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 SchoolMiddle5.8 km
George Elliot SecondarySecondary5.9 km
Peter Greer ElementaryElementary6.4 km
North Glenmore ElementaryElementary6.4 km
Aberdeen Hall Preparatory School(Independent)K-126.4 km
Dr Knox Middle SchoolMiddle7.1 km
Davidson Road ElementaryElementary7.2 km
Watson Road ElementaryElementary8.2 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

Parks (1)

  • McKinley Mountain Park784 m

Nearby places data: © OpenStreetMap contributors.

School district: Central Okanagan (SD23)

Mortgage & Ownership Cost Calculator

Minimum required: 20.0% ($335,800) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,343,200.00
Periodic payment — Principal & Interest (monthly)$8,665.87
Additional monthly expenses (strata, tax, utilities, etc.)$933.83
Total monthly cost$9,599.70
Interest paid over 5-yr term$384,964.98
Balance at end of term$1,208,212.74

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$335,800
Stress test qualifying rate8.09%
Payment you must qualify for$10,328.74

Cash Needed at Closing

Minimum down payment$335,800
Estimated BC PTT$31,580
Legal / closing costs (typical estimate)$1,500
Total cash needed$368,880

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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