Property Type: Detached HouseOwnership: Freehold

4000 Gallaghers Terrace

Kelowna, BC V1W3Z8

$895,000

3 bed3 bath2 parking2,121 sqftBuilt 1995
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Open House

Sunday, September 13

1:00 PM3:00 PM

Property Details

Property & Lot

Sub-type
House
Stories
1
Lot size
0.17 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Strata / maintenance fee
$333/mo
Annual property tax
$4,609.07

Interior

Heating
Forced air
Cooling / A/C
Central air conditioning
Fireplace
Yes (1)
Fireplace type
Gas, Unknown
Flooring
Ceramic Tile, Mixed Flooring
Appliances
Refrigerator, Oven - Electric, Range - Electric, Dishwasher, Washer/Dryer Stack-Up

Exterior & Lot

Pool
Indoor pool
Lot features
Level lot, Private setting, Corner Site

Building

Roof
Asphalt shingle, Unknown
Water source
Municipal water
Sewer
Municipal sewage system
Parcel ID (PID)
023-725-010

Parking

Total spaces
2 — 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
Utility roomBasement12'3'' x 8'10''
Laundry roomBasement6'8'' x 5'1''
LibraryBasement10'8'' x 8'10''
Recreation roomBasement10'7'' x 18'4''
4pc BathroomBasement7'10'' x 9'6''
BedroomBasement12'4'' x 9'2''
4pc Ensuite bathMain level11'5'' x 10'3''
Primary BedroomMain level13'6'' x 11'6''
3pc BathroomMain level5'1'' x 6'1''
BedroomMain level10'6'' x 13'3''
KitchenMain level19'11'' x 10'3''
Dining roomMain level15'4'' x 12'8''
FoyerMain level8'7'' x 6'6''
Living roomMain level15'4'' x 13'0''

Listing Information

MLS®
10396219
Listed
August 7, 2026
Time on market
On the market for 24 days
Data last synced
August 30, 2026

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

Description

4000 Gallaghers Terrace. Set on a bright corner lot, this welcoming 2,121 sq. ft. home offers something hard to find in Gallaghers Canyon: a private, fully fenced backyard framed by mature landscaping. The main floor accounts for 1,449 sq. ft. of the total and is laid out for comfortable single-level living, with two bedrooms and two bathrooms. The living room is anchored by a gas fireplace, with custom built-ins separating the living and dining areas while keeping the space open and inviting. The sunny kitchen and dining area look directly onto the yard, and the primary bedroom opens to its own patio in the backyard. The lower level (non-walkout) adds a third bedroom, a full bathroom, a family room, and a laundry room, giving you a separate space for guests, hobbies, or a quiet retreat. Storage is abundant, including an expansive crawl space accessed off the laundry room. Updates include a new furnace and newer hot water tank, and the roof is only six years old. A deep, flat driveway handles larger vehicles. Gallaghers Canyon is a welcoming community with no age restrictions, and up to two pets, cats or dogs, are welcome — a rare pairing with a fully fenced yard. The location within it is one of the best, a short, level walk to the clubhouse and its resort-style amenities: fitness centre, indoor pool, tennis courts, pottery studio, woodworking shop, with two golf courses and the canyon's hiking and biking trails just beyond. Town is an easy, picturesque drive away. (id:63159)

Values & Trends

This listing

$422/sqft

Building average

No other active listings in this building

South East Kelowna average

$560/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.

Nearby Schools

SchoolTypeDistance
South Kelowna ElementaryElementary3.2 km
Okanagan Montessori Elementary School(Independent)Elementary3.6 km
Black Mountain ElementaryElementary3.7 km
Okanagan Christian School(Independent)K-124.3 km
Quigley ElementaryElementary4.7 km
Belgo Elementary SchoolElementary4.8 km
South Rutland ElementaryElementary5.3 km
Springvalley ElementaryElementary5.6 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.

School district: Central Okanagan (SD23)

Mortgage & Ownership Cost Calculator

Minimum required: 7.2% ($64,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$716,000.00
Periodic payment — Principal & Interest (monthly)$4,619.39
Additional monthly expenses (strata, tax, utilities, etc.)$823.09
Total monthly cost$5,442.48
Interest paid over 5-yr term$205,207.66
Balance at end of term$644,044.32

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$64,500
Stress test qualifying rate8.09%
Payment you must qualify for$6,386.25

Cash Needed at Closing

Minimum down payment$64,500
Estimated BC PTT$15,900
Legal / closing costs (typical estimate)$1,500
Total cash needed$81,900

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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