Property Type: Detached HouseOwnership: Freehold

3925 Gallaghers Circle

Kelowna, BC V1W3Z9

$1,019,900

4 bed3 bath2 parking2,692 sqftBuilt 2000
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Amenities

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

Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
0.16 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Strata / maintenance fee
$319/mo
Annual property tax
$4,757

Interior

Basement
Full
Heating
Forced air, See remarks
Cooling / A/C
Central air conditioning
Fireplace
Yes (1)
Fireplace type
Gas, Unknown
Flooring
Hardwood, Carpeted, Ceramic Tile, Vinyl

Exterior & Lot

View
Mountain view
Pool
Pool, Indoor pool

Building

Roof
Asphalt shingle, Unknown

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
StorageBasement18'3'' x 38'5''
4pc BathroomBasement8'7'' x 11'2''
BedroomBasement9' x 10'11''
BedroomBasement10' x 10'11''
GymBasement10' x 11'5''
Recreation roomBasement15'3'' x 24'5''
OtherMain level19'0'' x 23'3''
Laundry roomMain level5'11'' x 6'11''
FoyerMain level10'6'' x 12'9''
4pc BathroomMain level6'1'' x 8'1''
OfficeMain level10'6'' x 10'8''
BedroomMain level10' x 12'6''
OtherMain level6'4'' x 7'5''
4pc Ensuite bathMain level8'3'' x 12'
Primary BedroomMain level12'6'' x 14'
Dining roomMain level10'3'' x 10'4''
KitchenMain level11'9'' x 13'4''
Living roomMain level15'10'' x 26'1''

Listing Information

MLS®
10382977
Listed
April 17, 2026
Time on market
On the market for 136 days
Data last synced
August 28, 2026

Listing provided by: Coldwell Banker Executives Realty · Data source: CREA DDF.

Description

Welcome to Gallagher’s Canyon. This immaculate walk-out rancher offers bright, functional living with nearly 2,700 sq. ft. of finished space plus over 400 sq. ft. unfinished. The main level features hardwood flooring, a bright kitchen with newer stainless steel appliances, a large skylight, and an open living area with a gas fireplace. Step out to the 24' x 12' deck with mountain views, a gas BBQ hookup, and plenty of space for outdoor living or the lovely front of house sitting area. The home includes 6 bedrooms (but of course you could make them into an office, gym, etc.) and 3 full bathrooms, along with a spacious family room on the lower level. Major updates provide peace of mind, including a new 50-year roof (2021, transferable warranty), newer furnace, air conditioning, and hot water tank. Additional upgrades in 2022 include lighting fixtures throughout, pot lights, smart exterior lighting, Ring camera, Google-operated smoke and CO detectors, motion sensor lighting, and smart switches. A newer washer, dryer, refrigerator, and inline water filtration system are also included. The fully updated landscaping features underground drip irrigation and lighting. Located within walking distance to the golf clubhouse and Village Centre, residents enjoy access to an indoor pool, fitness centre, games room, tennis courts, and more. Close to trails, parks, and everyday amenities, this home offers a well-rounded lifestyle in one of the Okanagan’s most sought-after communities. (id:63159)

Values & Trends

This listing

$379/sqft

Building average

No other active listings in this building

South East Kelowna average

$561/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

7

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 ElementaryElementary2.8 km
Okanagan Montessori Elementary School(Independent)Elementary3.1 km
Black Mountain ElementaryElementary3.8 km
Okanagan Christian School(Independent)K-124.0 km
Quigley ElementaryElementary4.4 km
Belgo Elementary SchoolElementary4.5 km
South Rutland ElementaryElementary5.1 km
Springvalley ElementaryElementary5.2 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 Park373 m

Nearby places data: © OpenStreetMap contributors.

School district: Central Okanagan (SD23)

Mortgage & Ownership Cost Calculator

Minimum required: 7.5% ($76,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$815,920.00
Periodic payment — Principal & Interest (monthly)$5,264.04
Additional monthly expenses (strata, tax, utilities, etc.)$850.42
Total monthly cost$6,114.46
Interest paid over 5-yr term$233,845.02
Balance at end of term$733,922.68

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$76,990
Stress test qualifying rate8.09%
Payment you must qualify for$7,250.65

Cash Needed at Closing

Minimum down payment$76,990
Estimated BC PTT$18,398
Legal / closing costs (typical estimate)$1,500
Total cash needed$96,888

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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