Property Type: OtherOwnership: Freehold

3910 North Naramata Road

Naramata, BC V0H1N1

$2,998,000

4 bed2 bath4 parking2,382 sqftBuilt 1920
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Property Details

Property & Lot

Sub-type
Other
Stories
2
Lot size
11.34 acres

Ownership & Fees

Property type
Other
Ownership
Freehold
Annual property tax
$2,874.01

Interior

Basement
Full, Remodeled Basement
Heating
Forced air, Electric
Cooling / A/C
Central air conditioning
Fireplace
Yes (2)
Fireplace type
Free Standing Metal, Insert
Flooring
Laminate, Carpeted, Linoleum, Mixed Flooring

Exterior & Lot

Exterior features
Stucco
View
Lake view, Mountain view, Valley view, View of water, View (panoramic), Unknown

Building

Roof
Vinyl Shingles, Unknown

Parking

Total spaces
4 — covered indicated
Features
Attached Garage, Detached Garage, RV, See Remarks

Room Dimensions

RoomLevelDimensions
BedroomSecond level9' x 12'
4pc BathroomSecond level
Utility roomSecond level4' x 12'
StorageSecond level4'8'' x 12'7''
Mud roomMain level7'5'' x 14'9''
Laundry roomSecond level11'4'' x 11'2''
Family roomSecond level12'1'' x 17'
BedroomSecond level9'4'' x 12'
BedroomMain level10' x 9'
4pc BathroomMain level
DenMain level6'6'' x 7'10''
Primary BedroomMain level12'8'' x 13'2''
Living roomMain level15'3'' x 20'11''
Dining roomMain level9' x 12'11''
KitchenMain level11'2'' x 18'6''
FoyerMain level5' x 9'3''

Listing Information

MLS®
10386636
Listed
May 7, 2026
Time on market
On the market for 116 days
Data last synced
August 28, 2026

Listing provided by: Front Street Realty · Data source: CREA DDF.

Description

This rare private 11.34 acre farm estate is nestled in the heart of the South Okanagan's wine country above the charming village of Naramata, which is renowned for its vibrant agricultural industry, fertile land, breathtaking landscapes, numerous wineries, & relaxed lifestyle. This is being offered for sale with TWO SEPARATE TITLES, which would allow for many development possibilities including a second primary family home, 2 secondary dwellings, accessory buildings & much more. One 5.47 acre parcel has a charming well-maintained 2382 sqft. rancher-style home with fully-finished walk-out basement, 4 bedrooms plus den/ 2 full bathrooms, attached single garage & a detached over-sized 3 bay garage. Enjoy breathtaking views of Okanagan Lake and surrounding mountains from the living room & large deck. The orchard is planted with pears, cherries, apples & peaches, is deer-fenced and has spray irrigation system throughout. The adjacent gently south-west facing 5.87 acre parcel is planted with apples and peaches. There is a large relatively flat area on an elevated NW section of the property that is currently not planted & could be an exclusive estate home-site. The building site is situated in a picturesque, serene, natural setting that offers stunning, panoramic views of Okanagan Lake, orchards, vineyards & surrounding mountains. Close to all the amenities of Naramata & Penticton. (id:63159)

Values & Trends

This listing

$1,259/sqft

Building average

No other active listings in this building

Naramata Rural average

$1,116/sqft

4 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

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.

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
Naramata ElementaryElementary977 m
Trout Creek ElementaryElementary4.5 km
Summerland SecondaryK-127.2 km
Unisus Junior School(Independent)Elementary7.3 km
Unisus Senior School(Independent)Secondary7.3 km
Summerland Montessori School(Independent)Elementary7.5 km
Uplands ElementaryElementary10.9 km
West Bench ElementaryElementary11.6 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 (1)

  • Real Things Pizza · 961 Robinson Avenue683 m

Nearby places data: © OpenStreetMap contributors.

School district: Okanagan-Skaha (SD67)

Mortgage & Ownership Cost Calculator

Minimum required: 20.0% ($599,600) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$2,398,400.00
Periodic payment — Principal & Interest (monthly)$15,473.66
Additional monthly expenses (strata, tax, utilities, etc.)$358.50
Total monthly cost$15,832.16
Interest paid over 5-yr term$687,388.33
Balance at end of term$2,157,368.56

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$599,600
Stress test qualifying rate8.09%
Payment you must qualify for$18,442.86

Cash Needed at Closing

Minimum down payment$599,600
Estimated BC PTT$67,940
Legal / closing costs (typical estimate)$1,500
Total cash needed$669,040

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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