Property Type: Detached HouseOwnership: Freehold

3924 Harding Road

West Kelowna, BC V4T2J9

$930,000

4 bed2 bath3 parking1,821 sqftBuilt 1983
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
0.53 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$5,116

Interior

Heating
Forced air, See remarks
Fireplace
None

Exterior & Lot

View
Lake view, Mountain view

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
3 — covered indicated
Features
Attached Garage, RV

Restrictions & Policies

Pets
Allowed
Rentals
Allowed

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

Room Dimensions

RoomLevelDimensions
Full bathroomMain level6' x 7'
BedroomMain level11' x 12'
Primary BedroomMain level13' x 13'
Living roomMain level10' x 12'
KitchenMain level8' x 12'
BedroomSecond level9' x 11'
Full bathroomSecond level8' x 8'
Primary BedroomSecond level11' x 12'
Living roomSecond level13' x 22'
KitchenSecond level11' x 15'

Listing Information

MLS®
10375203
Listed
February 27, 2026
Time on market
On the market for 185 days
Data last synced
August 28, 2026

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

Description

This property is all about potential, positioning, and that ""wow"" factor you can only find in the heart of the Okanagan. Whether you are looking to revitalize a classic or maximize a rare development opportunity, this 0.53-acre lot in West Kelowna is a blank canvas with a panoramic view. Situated at the end of a quiet road for ultimate privacy, directly adjacent to world-class vineyards and wineries. The seller has already explored the feasibility of subdividing the 0.53-acre lot, opening doors for a multi-home project or a secondary dwelling. For the visionary buyer, this isn't just a renovation project—it’s a strategic investment. The expansive lot provides more than enough room for creative landscaping or, more importantly, subdivision. With preliminary exploration into splitting the lot already conducted by the seller, you can move forward with confidence in the property's versatility. Whether you choose to build your dream custom estate or work with the city to unlock the land's full density, the rewards here are as immense as the view. (id:63159)

Values & Trends

This listing

$511/sqft

Building average

No other active listings in this building

Westbank Centre average

$420/sqft

49 active listing(s)

Parking: 3 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: Kelowna

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

36,078

(2021 Census)

+10.5% since 2016

Density: 295.5/km²

Dwellings: 14,746

Median household income: $99,000

After-tax: $87,000

Immigrant population: 13.5%

Top countries of origin (% of total population)

  • United Kingdom2.9% · 1,040
  • Germany1.3% · 485
  • United States of America1% · 350
  • Philippines0.7% · 260
  • Poland0.6% · 200
  • Netherlands0.5% · 190
  • India0.5% · 190
  • South Africa, Republic of0.4% · 145

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

15

3/9 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
Our Lady of Lourdes(Independent)Elementary/Middle1.1 km
Webber Road ElementaryElementary2.2 km
Glenrosa Middle SchoolMiddle2.9 km
Sensisyusten House of Learning(Independent)Elementary2.9 km
Glenrosa ElementaryElementary3.1 km
Chief Tomat ElementaryElementary3.4 km
Shannon Lake ElementaryElementary3.5 km
Constable Neil Bruce Middle SchoolElementary4.4 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

Grocery (1)

  • Save-On-Foods791 m

Parks (5+)

  • Kent Park384 m
  • CNR Wharf387 m
  • Gellatly Bay Recreational Corridor491 m
  • Willow Beach494 m
  • Willow Beach558 m

Pharmacies (1)

  • Shoppers Drug Mart747 m

Nearby places data: © OpenStreetMap contributors.

School district: Central Okanagan (SD23)

Mortgage & Ownership Cost Calculator

Minimum required: 7.3% ($68,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$744,000.00
Periodic payment — Principal & Interest (monthly)$4,800.04
Additional monthly expenses (strata, tax, utilities, etc.)$517.33
Total monthly cost$5,317.37
Interest paid over 5-yr term$213,232.54
Balance at end of term$669,230.41

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$68,000
Stress test qualifying rate8.09%
Payment you must qualify for$6,628.48

Cash Needed at Closing

Minimum down payment$68,000
Estimated BC PTT$16,600
Legal / closing costs (typical estimate)$1,500
Total cash needed$86,100

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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