3901 Cottonwood Lane
Naramata, BC V0H1N1
$1,499,900
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 9.44 acres
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $6,281.36
Interior
- Basement
- Partial
- Heating
- Forced air, Electric
- Cooling / A/C
- Central air conditioning
- Fireplace
- Yes (1)
- Fireplace type
- Wood, Conventional
Exterior & Lot
- Exterior features
- Other
- View
- Lake view, Mountain view, Valley view
Building
- Roof
- Metal, Unknown
Parking
- Features
- Other, RV, Additional Parking
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| 2pc Bathroom | Main level | — |
| 4pc Bathroom | Main level | — |
| 2pc Bathroom | Main level | — |
| Primary Bedroom | Second level | 19'7'' x 29'8'' |
| Bedroom | Second level | 20'9'' x 26'10'' |
| Bedroom | Second level | 19'8'' x 30'1'' |
| Foyer | Main level | 10'1'' x 29'4'' |
| Dining room | Main level | 10'11'' x 14'8'' |
| 3pc Ensuite bath | Second level | — |
| Family room | Main level | 13'4'' x 15'8'' |
| Kitchen | Main level | 12'7'' x 14'10'' |
| Kitchen | Main level | 9'10'' x 14'3'' |
| Mud room | Main level | 13'1'' x 18'3'' |
| Living room | Main level | 9'4'' x 18'10'' |
| Living room | Main level | 17'0'' x 27'2'' |
| Foyer | Main level | 5'6'' x 9'3'' |
Listing Information
- MLS®
- 10391748
- Listed
- June 24, 2026
- Time on market
- On the market for 68 days
- Data last synced
- August 28, 2026
Listing provided by: eXp Realty · Data source: CREA DDF.
Description
Live the dream on the iconic Naramata Bench! This stunning Fir log home is your chance to own a truly one-of-a-kind property with unmatched potential, perfect for horse lovers, hobby farmers, or anyone dreaming of planting their own vineyard. Just steps from the famous KVR Trail, this 9.4-acre estate offers privacy, space, and breathtaking lake views from its sun-drenched western exposure. With over 3,500 square feet of warm, character-rich living space, the home features soaring vaulted ceilings, a welcoming open layout, and a striking copper flue fireplace that anchors the spacious living area. The kitchen is well laid out and ideal for entertaining. Upstairs, you’ll find a loft-style primary suite with ensuite and a second unique loft-style bedroom with its own private lower-level living area and bath—perfect for guests or extended family. On the north side, a separate 1-bedroom suite with private access and outdoor space offers excellent income potential as a Bed & Breakfast or long-term rental. Step outside to enjoy the expansive covered wraparound deck—ideal for entertaining or soaking in the tranquil views. The fenced yard, gardens, and generous shed are a dream for green thumbs and hobbyists alike. Downstairs, the lower level offers practical storage and utility space. This is more than a home, it’s a lifestyle. Book your showing today and experience the peace, potential, and natural beauty this extraordinary property has to offer. (id:63159)
Values & Trends
This listing
$370/sqft
Building average
—
No other active listings in this building
Naramata Rural average
$758/sqft
18 active listing(s)
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
| School | Type | Distance |
|---|---|---|
| Naramata Elementary | Elementary | 1.8 km |
| Trout Creek Elementary | Elementary | 5.1 km |
| Summerland Secondary | K-12 | 8.1 km |
| Unisus Junior School(Independent) | Elementary | 8.1 km |
| Unisus Senior School(Independent) | Secondary | 8.1 km |
| Summerland Montessori School(Independent) | Elementary | 8.4 km |
| Uplands Elementary | Elementary | 10.8 km |
| Queens Park Elementary | Elementary | 11.7 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: 8.3% ($124,990) — 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.