Property Type: Detached HouseOwnership: Freehold

3524 Scott Road Lot# 1

Kelowna, BC V1W3H6

$1,049,900

5 bed2 bath4 parking2,172 sqftBuilt 1964
Get Directions

Property Details

Property & Lot

Sub-type
House
Stories
1
Lot size
0.2 acres
Frontage
65 feet

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$3,949.99

Interior

Basement
Full
Heating
Forced air, See remarks
Fireplace
Yes (2)
Fireplace type
Wood, Conventional
Flooring
Laminate, Ceramic Tile

Exterior & Lot

Exterior features
Stucco
View
Mountain view, Valley view
Waterfront
Other

Building

Foundation
Block
Roof
Asphalt shingle, Unknown

Parking

Total spaces
4 — covered indicated
Features
Attached Garage

Room Dimensions

RoomLevelDimensions
Utility roomBasement5'3'' x 12'4''
StorageBasement3'10'' x 9'0''
Laundry roomBasement10'4'' x 15'1''
BedroomBasement9'10'' x 19'3''
3pc BathroomBasement7'6'' x 3'0''
BedroomBasement8'3'' x 11'8''
Recreation roomBasement14'7'' x 22'3''
4pc BathroomMain level7'6'' x 8'10''
BedroomMain level8'4'' x 9'11''
BedroomMain level8'3'' x 10'7''
Primary BedroomMain level12'11'' x 10'8''
KitchenMain level11'11'' x 10'10''
Dining roomMain level8'5'' x 7'5''
Living roomMain level20'4'' x 14'8''

Listing Information

MLS®
10380909
Listed
April 7, 2026
Time on market
On the market for 146 days
Data last synced
August 28, 2026

Listing provided by: Coldwell Banker Horizon Realty · Data source: CREA DDF.

Description

Looking for a great holding property? Check out this Lower Mission POSSIBILITY! This solid home, offers separate access to the basement. Located in the sought-after South Pandosy neighborhood. Long-Term Tenanted. A future revenue property, or redevelop into an oversized, deluxe home, possibly with a suite, a duplex, or even a multiplex? The property is set beside multimillion-dollar homes. Yes - just STEPS to two popular Beaches: Boyce-Gyro Beach and Rotary Beach, on Okanagan Lake. It has been well-lived-in. Tenanted currently. 3 beds on the main level, with 2 beds in the basement. 2 baths. Large, pool-sized backyard. Room for expansion! 65' x 135' MF1 Zoned and in one of Kelowna's most sought-after development areas! (id:63159)

Values & Trends

This listing

$483/sqft

Building average

No other active listings in this building

Lower Mission average

$702/sqft

94 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

41

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
Casorso ElementaryElementary449 m
KLO Middle SchoolMiddle918 m
Raymer ElementaryElementary1.2 km
Kelowna SecondarySecondary1.2 km
Immaculata Regional High School(Independent)Secondary1.7 km
de l'Anse-au-sableK-122.2 km
Kelowna Christian School(Independent)K-122.3 km
A S Matheson ElementaryElementary2.4 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 (4)

  • kb&co · 3477 Lakeshore Road227 m
  • T-ONE Restaurant · 3477 Lakeshore Road237 m
  • Shore Line Brewing · 3477 Lakeshore Road255 m
  • Bless'd Sips & Slices · 3377 Lakeshore Road376 m

Cafes (3)

  • Half Blind Bean Coffee402 m
  • Tim Hortons445 m
  • Starbucks696 m

Grocery (2)

  • Save-On-Foods557 m
  • Urban Fare643 m

Parks (5+)

  • Boyce-Gyro Beach Park340 m
  • Fascieux Creek Wetland516 m
  • Rotary Beach Park596 m
  • Watt Road Beach Access641 m
  • Windermere Park746 m

Gyms (1)

  • The Athlete Den Training & Rehab Studio Inc. · 3320 Richter Street408 m

Pharmacies (1)

  • Pharmasave612 m

Banks & ATMs (2)

  • BMO639 m
  • TD735 m

Nearby places data: © OpenStreetMap contributors.

School district: Central Okanagan (SD23)

Mortgage & Ownership Cost Calculator

Minimum required: 7.6% ($79,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$839,920.00
Periodic payment — Principal & Interest (monthly)$5,418.88
Additional monthly expenses (strata, tax, utilities, etc.)$438.17
Total monthly cost$5,857.04
Interest paid over 5-yr term$240,723.49
Balance at end of term$755,510.76

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$79,990
Stress test qualifying rate8.09%
Payment you must qualify for$7,458.27

Cash Needed at Closing

Minimum down payment$79,990
Estimated BC PTT$18,998
Legal / closing costs (typical estimate)$1,500
Total cash needed$100,488

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.

Request more information