Property Type: OtherOwnership: Freehold

3850 Swamp Road

Kelowna, BC V1W4M9

$1,690,000

14
Walk Score
36
Transit
77
Bike
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Property Details

Property & Lot

Sub-type
Other
Lot size
10 acres
Frontage
519 feet

Ownership & Fees

Property type
Other
Ownership
Freehold
Annual property tax
$17.18

Interior

Fireplace
None

Exterior & Lot

View
Mountain view, River view
Lot features
Level lot, Private setting
Fencing
Cross fenced, Page Wire

Building

Water source
None, See Remarks
Sewer
No sewage system
Utilities
Water, Natural Gas, Electricity
Parcel ID (PID)
011-099-895

Listing Information

MLS®
10381844
Listed
April 2, 2026
Time on market
On the market for 163 days
Data last synced
September 13, 2026

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

Description

10 ACRES of FLAT ALR Backing and Siding onto the MISSION CREEK GREENWAY, City Parkland and private land! Build your dream home and enjoy rural beauty and privacy yet only minutes drive to all amenities. Potential for Equestrian use, and potential trail rides on the greenway. Historically back property was hay. Centrally located, minutes to H2O centre, recreation trails, golf, schools. Approx one third has approx 1 metre of fill, two thirds more swamp grass and pasture some trees and pond. Water ditched around perimeter and through (see site plan), 6-8' wire fenced on N/W/E sides, partial cross on South border. Property drains into the City of Kelowna ponds, small pond in middle near back. Easy access off Swamp Rd. Water licence in place. Subject to ALR and A1 zoning, city approval, flood plain limitations, requirements and guidelines. GST applicable. Current Farm status from Sellers is Bee farming (however Bee hives not included). Central location minutes to H2O, Schools, Orchard Park and more! (id:63159)

Values & Trends

This listing

Building average

No other active listings in this building

Lower Mission average

$400/sqft

4 active listing(s)

Parking: Not indicatedStorage 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

Mostly Cloudy

18°C

Mostly Cloudy

Humidity 41%

Wind WNW 22 km/h

Tonight

Sunday

22°

Sunday night

Monday

23°

Monday night

11°

Tuesday

20°

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.

Nearby Schools

SchoolTypeDistance
Casorso ElementaryElementary1.4 km
de l'Anse-au-sableK-121.4 km
Immaculata Regional High School(Independent)Secondary1.9 km
KLO Middle SchoolMiddle1.9 km
Dorothea Walker ElementaryElementary2.2 km
Kelowna Christian School(Independent)K-122.3 km
Kelowna SecondarySecondary2.4 km
Raymer ElementaryElementary2.8 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: Central Okanagan (SD23)

Mortgage & Ownership Cost Calculator

Minimum required: 20.0% ($338,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,352,000.00
Periodic payment — Principal & Interest (monthly)$8,722.65
Additional monthly expenses (strata, tax, utilities, etc.)$1.43
Total monthly cost$8,724.08
Interest paid over 5-yr term$387,487.09
Balance at end of term$1,216,128.37

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$338,000
Stress test qualifying rate8.09%
Payment you must qualify for$10,396.41

Cash Needed at Closing

Minimum down payment$338,000
Estimated BC PTT$31,800
Legal / closing costs (typical estimate)$1,500
Total cash needed$371,300

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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