Property Type: Detached HouseOwnership: Freehold

4023 Gallaghers Terrace

Kelowna, BC V1W3Z8

$825,000

2 bed2 bath4 parking1,283 sqftBuilt 1995
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Amenities

Also listed: Clubhouse

Property Details

Property & Lot

Sub-type
House
Stories
1
Lot size
0.19 acres
Frontage
100 feet

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Strata / maintenance fee
$333/mo
Annual property tax
$3,959

Interior

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

Exterior & Lot

Exterior features
Stucco

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
4 — covered indicated
Features
Attached Garage

Room Dimensions

RoomLevelDimensions
Laundry roomMain level5'3'' x 6'3''
3pc BathroomMain level7'8'' x 6'11''
OtherMain level4'10'' x 6'11''
4pc Ensuite bathMain level11'8'' x 4'9''
FoyerMain level4'10'' x 5'5''
Dining nookMain level7'5'' x 9'11''
KitchenMain level10'3'' x 9'11''
Dining roomMain level11' x 9'9''
Living roomMain level16'6'' x 11'8''
BedroomMain level13'7'' x 10'10''
OtherMain level6'11'' x 21'5''
Primary BedroomMain level17'11'' x 11'11''

Listing Information

MLS®
10397532
Listed
August 17, 2026
Time on market
On the market for 14 days
Data last synced
August 28, 2026

Listing provided by: Real Broker B.C. Ltd · Data source: CREA DDF.

Description

Beautifully maintained & extensively updated, this bright 2 bdr, 2 bath home offers effortless living in one of Kelowna's most sought-after golf course communities. The open-concept layout features engineered hardwood flooring, vaulted ceilings, a skylight, & a cozy gas fireplace, creating a warm & inviting atmosphere. The kitchen is designed for both function & style with quartz countertops, tile flooring, & stainless steel appliances. The spacious primary suite includes a large walk-in closet & an ensuite with dual sinks & a walk-in shower. A versatile second bedroom features a wall bed, making it ideal for guests or a home office. Major updates have already been completed, including a new roof, furnace, hot water tank, gutters, lighting, window coverings, exterior paint, attic insulation, & newer appliances, offering peace of mind for years to come. Landscaped, private backyard—perfect for entertaining, relaxing, or enjoying your morning coffee. Additional features include a double garage, built-in vacuum, irrigation system, gas BBQ hookup, & a cellar for extra storage. Residents enjoy access to exceptional amenities including an indoor pool, fitness centre, tennis courts, woodworking shop, art studio, games room, library, & an active clubhouse. Two spectacular championship golf courses with miles of walking trails and stunning natural surroundings showcase the best of Okanagan living. Move-in ready and loaded with value, this is a home you'll be proud to own. (id:63159)

Values & Trends

This listing

$643/sqft

Building average

No other active listings in this building

South East Kelowna average

$556/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.

Nearby Schools

SchoolTypeDistance
South Kelowna ElementaryElementary3.1 km
Okanagan Montessori Elementary School(Independent)Elementary3.6 km
Black Mountain ElementaryElementary3.8 km
Okanagan Christian School(Independent)K-124.4 km
Quigley ElementaryElementary4.8 km
Belgo Elementary SchoolElementary4.8 km
South Rutland ElementaryElementary5.4 km
Springvalley ElementaryElementary5.7 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: 7.0% ($57,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$660,000.00
Periodic payment — Principal & Interest (monthly)$4,258.10
Additional monthly expenses (strata, tax, utilities, etc.)$726.92
Total monthly cost$4,985.01
Interest paid over 5-yr term$189,157.90
Balance at end of term$593,672.13

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$57,500
Stress test qualifying rate8.09%
Payment you must qualify for$5,901.81

Cash Needed at Closing

Minimum down payment$57,500
Estimated BC PTT$14,500
Legal / closing costs (typical estimate)$1,500
Total cash needed$73,500

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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