Property Type: Detached HouseOwnership: Freehold

3929 Gallaghers Circle

Kelowna, BC V1W3Z9

$1,245,000

3 bed3 bath4 parking3,318 sqftBuilt 1995
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Amenities

Also listed: Recreation Centre, Party Room, Sauna, Whirlpool, Clubhouse, Racquet Courts

Property Details

Property & Lot

Sub-type
House
Stories
1
Lot size
0.19 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Strata / maintenance fee
$319/mo
Annual property tax
$6,098.89

Maintenance Fee Includes

Management

Also included: Insurance, Other, See Remarks, Recreation Facilities, Reserve Fund Contributions, Sewer

Interior

Basement
Full
Heating
Forced air, See remarks
Cooling / A/C
Central air conditioning
Fireplace
Yes (2)
Fireplace type
Gas, Unknown
Flooring
Tile, Hardwood, Carpeted

Exterior & Lot

Exterior features
Stucco
View
Mountain 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
StorageLower level8'4'' x 12'3''
Utility roomLower level6'9'' x 11'7''
4pc BathroomLower level
OtherLower level11'7'' x 22'6''
BedroomLower level12'10'' x 19'6''
PantryLower level7'4'' x 9'9''
Family roomLower level13'6'' x 13'8''
MediaLower level9'11'' x 15'2''
4pc BathroomMain level
BedroomMain level13'8'' x 12'
4pc Ensuite bathMain level9' x 11'2''
OtherMain level6'4'' x 7'5''
Primary BedroomMain level12'3'' x 15'6''
Laundry roomMain level8' x 7'6''
FoyerMain level5'10'' x 12'3''
PantryMain level7'6'' x 10'4''
KitchenMain level13' x 26'11''
Dining roomMain level15' x 13'8''
Living roomMain level13'4'' x 13'8''

Listing Information

MLS®
10387357
Listed
May 14, 2026
Time on market
On the market for 109 days
Data last synced
August 28, 2026

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

Description

Tucked quietly within one of Gallagher’s Canyon Golf & Country Club’s most sought-after settings, this custom residence offers a rare blend of architectural warmth, privacy, and lifestyle-driven design. Surrounded by mature landscaping, towering pines, and beautifully curated outdoor spaces, the property feels more like a private retreat than a traditional golf course home. Inside, timeless materials and thoughtful craftsmanship create a grounded yet refined atmosphere. Rich wood flooring, natural stone, expansive windows, and multiple fireplaces bring warmth and character throughout, while the flowing layout was designed for both everyday comfort and effortless entertaining. The kitchen blends functionality with design, complemented by generous workspaces and seamless connection to the outdoor living areas. The lower level expands the experience with exceptional recreation and media spaces ideal for movie nights, games, hobbies, working from home, or hosting family and guests. Equally impressive, the outdoor setting features expansive deck areas, intimate seating spaces, lush gardens, and exceptional privacy rarely found in a community setting. Whether enjoying quiet mornings overlooking the landscape or evenings entertaining beneath the trees, the experience here is one of calm, comfort, and understated luxury. A distinctive offering for buyers who value quality construction, meaningful design, and a home that feels authentic, warm, and quietly exceptional. (id:63159)

Values & Trends

This listing

$375/sqft

Building average

No other active listings in this building

South East Kelowna average

$561/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

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 ElementaryElementary2.7 km
Okanagan Montessori Elementary School(Independent)Elementary3.1 km
Black Mountain ElementaryElementary3.8 km
Okanagan Christian School(Independent)K-124.1 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 Park338 m

Nearby places data: © OpenStreetMap contributors.

School district: Central Okanagan (SD23)

Mortgage & Ownership Cost Calculator

Minimum required: 8.0% ($99,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$996,000.00
Periodic payment — Principal & Interest (monthly)$6,425.85
Additional monthly expenses (strata, tax, utilities, etc.)$993.24
Total monthly cost$7,419.09
Interest paid over 5-yr term$285,456.46
Balance at end of term$895,905.22

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$99,500
Stress test qualifying rate8.09%
Payment you must qualify for$8,808.49

Cash Needed at Closing

Minimum down payment$99,500
Estimated BC PTT$22,900
Legal / closing costs (typical estimate)$1,500
Total cash needed$123,900

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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