Property Type: Detached HouseOwnership: Freehold

3901 Gallaghers Circle

Kelowna, BC V1W3Z9

$1,100,000

2 bed2 bath2 parking2,135 sqftBuilt 1995
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Property Details

Property & Lot

Sub-type
House
Stories
1
Lot size
0.14 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Strata / maintenance fee
$333/mo
Annual property tax
$5,112.5

Interior

Heating
Forced air, See remarks
Cooling / A/C
Central air conditioning
Fireplace
None

Exterior & Lot

Pool
Indoor pool

Parking

Total spaces
2 — covered indicated
Features
Attached Garage

Restrictions & Policies

Pets
Allowed, Restrictions apply, Allowed with restrictions

As reported by the listing board — always confirm current bylaws with the strata or landlord before relying on this.

Room Dimensions

RoomLevelDimensions
Laundry roomMain level6'6'' x 13'2''
3pc BathroomMain level7'5'' x 10'1''
BedroomMain level11' x 12'
5pc Ensuite bathMain level9'7'' x 14'2''
OtherMain level5'11'' x 8'2''
Primary BedroomMain level11'10'' x 22'7''
OfficeMain level4'7'' x 6'1''
DenMain level14'4'' x 10'0''
FoyerMain level7' x 27'
KitchenMain level24'0'' x 14'3''
Family roomMain level14'6'' x 19'1''
Dining roomMain level11'9'' x 14'4''
Living roomMain level13'5'' x 12'6''

Listing Information

MLS®
10397688
Listed
August 14, 2026
Time on market
On the market for 17 days
Data last synced
August 28, 2026

Listing provided by: REMAX Kelowna · Data source: CREA DDF.

Description

Why you'll choose this home. Not simply because it offers 2,135 sq. ft. of gracious, single-level living. Or because both bathrooms have been beautifully remodelled. Or even because of its address. You'll choose it because the morning starts quietly here. Because the generous primary suite has a beautiful garden outlook, a bay window framing Layer Cake Mountain, a walk-in closet and a beautifully remodelled five-piece ensuite. Because there's room for work, creativity, or simply a space of your own, with a generous den plus a separate, small but functional office. Because the vaulted ceilings, lovely flooring and gracious living spaces give the home a sense of openness without sacrificing warmth. Because the kitchen offers a huge walk-in pantry, and everyday living flows easily from one room to another. Because you can walk outside to a covered patio, surrounded by manicured gardens, a pond and a wonderfully private yard. Because everything you need is on one level, with 2 bedrooms, 2 remodelled bathrooms and a double garage. And because at Gallaghers, home extends well beyond your front door: golf, tennis, recreation, amenities and community, with walking trails and Mission Creek practically at your doorstep. Pet-friendly too, welcoming up to two dogs, two cats, or one of each. Perhaps that's when you stop looking at it as a property. And start imagining it as home. (id:63159)

Values & Trends

This listing

$515/sqft

Building average

No other active listings in this building

South East Kelowna average

$558/sqft

47 active listing(s)

Parking: 2 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
South Kelowna ElementaryElementary2.9 km
Okanagan Montessori Elementary School(Independent)Elementary3.3 km
Black Mountain ElementaryElementary3.8 km
Okanagan Christian School(Independent)K-124.2 km
Quigley ElementaryElementary4.6 km
Belgo Elementary SchoolElementary4.6 km
South Rutland ElementaryElementary5.2 km
Springvalley ElementaryElementary5.4 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

Parks (1)

  • Summerside Park585 m

Nearby places data: © OpenStreetMap contributors.

School district: Central Okanagan (SD23)

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.)$866.04
Total monthly cost$6,543.50
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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