Property Type: Detached HouseOwnership: Freehold

3907 Gallaghers Circle

Kelowna, BC V1W3Z9

$1,339,000

3 bed3.5 bath4 parking2,970 sqftBuilt 1995
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Amenities

Also listed: Recreation Centre, Whirlpool, Clubhouse, Racquet Courts

Property Details

Property & Lot

Sub-type
House
Stories
1
Lot size
0.13 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Strata / maintenance fee
$319/mo
Annual property tax
$5,397

Interior

Basement
Remodeled Basement
Heating
Forced air
Cooling / A/C
Central air conditioning
Fireplace
Yes (3)
Fireplace type
Gas, Unknown
Flooring
Carpeted, Ceramic Tile, Vinyl

Exterior & Lot

Exterior features
Stucco
View
View (panoramic)

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
4 — covered indicated
Features
Attached Garage

Restrictions & Policies

Pets
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
BedroomLower level11'10'' x 10'7''
Full bathroomLower level8'0'' x 10'7''
BedroomLower level13'1'' x 14'4''
StorageLower level19'7'' x 42'3''
OtherLower level8'11'' x 11'3''
Recreation roomLower level23'10'' x 28'6''
OtherMain level14'3'' x 21'6''
OtherMain level19'11'' x 19'8''
Partial bathroomMain level6'9'' x 4'10''
Laundry roomMain level6'11'' x 6'1''
Full ensuite bathroomMain level11'10'' x 12'9''
Primary BedroomMain level13'1'' x 14'4''
Dining nookMain level9'6'' x 11'2''
Family roomMain level17'1'' x 14'0''
KitchenMain level15'2'' x 14'10''
FoyerMain level19'11'' x 14'4''
Dining roomMain level8'10'' x 10'11''
Living roomMain level16'0'' x 13'1''

Listing Information

MLS®
10394759
Listed
July 15, 2026
Time on market
On the market for 47 days
Data last synced
August 28, 2026

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

Description

Elegant, warm, and thoughtfully designed, this extensively renovated Gallaghers home sits on the 2nd hole, offering a family home as elevated as its views. Every detail has been professionally and meticulously updated to create a home that is both inviting and move-in ready. With 3 bedrooms, including primary bedroom on the main floor, 3 bathrooms, and 3 fireplaces, the layout is ideal for both everyday living and entertaining. Enjoy mornings on the expansive upper deck off the kitchen and family room, or host friends on the stunning walk-out stone patio with tranquil fountain. The kitchen shines with large granite counters, abundant storage, 2024 appliances, Frigidaire side by side fridge & freezer, black cooktop, and double ovens. The spacious primary suite features deck access, ensuite with a new quartz vanity, and frameless shower. The lower level showcases two bedrooms, full bath, added bonus of 600 sq. ft. unfinished space, a cozy family room with fireplace, bar area and includes the Brunswick Greenwood pool table for game nights. The heated garage features new epoxy flooring topped with half-inch rubber wall-to-wall for comfort and durability. Level driveway for extra vehicles. Some of the many updates include a 50-year roof warranty, new HVAC, all new plumbing, hot water tank, irrigation, and landscaping. Nothing to do but move in and enjoy the lifestyle—steps from golf, walking trails, and a vibrant community. (id:63159)

Values & Trends

This listing

$451/sqft

Building average

No other active listings in this building

South East Kelowna average

$560/sqft

47 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
South Kelowna ElementaryElementary2.9 km
Okanagan Montessori Elementary School(Independent)Elementary3.3 km
Black Mountain ElementaryElementary3.7 km
Okanagan Christian School(Independent)K-124.1 km
Quigley ElementaryElementary4.5 km
Belgo Elementary SchoolElementary4.6 km
South Rutland ElementaryElementary5.1 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 Park551 m

Nearby places data: © OpenStreetMap contributors.

School district: Central Okanagan (SD23)

Mortgage & Ownership Cost Calculator

Minimum required: 8.1% ($108,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,071,200.00
Periodic payment — Principal & Interest (monthly)$6,911.02
Additional monthly expenses (strata, tax, utilities, etc.)$917.75
Total monthly cost$7,828.77
Interest paid over 5-yr term$307,009.00
Balance at end of term$963,547.86

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$108,900
Stress test qualifying rate8.09%
Payment you must qualify for$9,459.04

Cash Needed at Closing

Minimum down payment$108,900
Estimated BC PTT$24,780
Legal / closing costs (typical estimate)$1,500
Total cash needed$135,180

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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