Property Type: Detached HouseOwnership: Freehold

4099 Miller Road

Kelowna, BC V1W4C7

$855,000

4 bed2 bath3 parking2,066 sqftBuilt 1972
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
1 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,418.01

Interior

Basement
Full
Heating
Baseboard heaters
Fireplace
None

Exterior & Lot

Exterior features
Stone, Stucco

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
3 — covered indicated
Features
Attached Garage, Detached Garage, RV, Oversize, See Remarks

Room Dimensions

RoomLevelDimensions
Living roomMain level16'8'' x 13'11''
Recreation roomLower level16'1'' x 24'6''
Laundry roomLower level5' x 11'1''
OtherLower level7'2'' x 9'5''
BedroomLower level12'9'' x 10'10''
BedroomLower level10'11'' x 11'
4pc BathroomLower level5'1'' x 11'1''
Primary BedroomMain level13'4'' x 10'6''
KitchenMain level16'8'' x 13'11''
Dining roomMain level9'5'' x 11'6''
BedroomMain level11'6'' x 11'1''
4pc BathroomMain level5' x 11'3''

Listing Information

MLS®
10386591
Listed
May 7, 2026
Time on market
On the market for 116 days
Data last synced
August 28, 2026

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

Description

Quiet 1 acre property in sought after South East Kelowna. This 4 bedroom, 2 bathroom home offers excellent privacy in a peaceful setting with regular deer sightings and a xeriscaped yard designed to attract bees, hummingbirds, and butterflies. Large detached garage/workshop approx. 23' x 29' with brand-new roof, fascia and soffits. Ample parking for RVs, boats, and additional vehicles. Generous yard space for gardening plus a fenced area ideal for pets. Zoned A2, suitable for a home-based business or potential agri-tourism use. Bright, spacious kitchen opens to a deck with motorized sunshade. 2 city water lines. One potable and one used for irrigation/landscaping which is very cost effective. Close to town yet surrounded by nature, this property is ready for your ideas and personal touches. (id:63159)

Values & Trends

This listing

$414/sqft

Building average

No other active listings in this building

South East Kelowna average

$561/sqft

47 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

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 ElementaryElementary2.6 km
Okanagan Montessori Elementary School(Independent)Elementary4.5 km
Black Mountain ElementaryElementary5.1 km
Okanagan Christian School(Independent)K-125.5 km
Quigley ElementaryElementary5.9 km
Belgo Elementary SchoolElementary6.0 km
Kelowna Christian School(Independent)K-126.3 km
Canyon Falls Middle SchoolMiddle6.4 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.

School district: Central Okanagan (SD23)

Mortgage & Ownership Cost Calculator

Minimum required: 7.1% ($60,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$684,000.00
Periodic payment — Principal & Interest (monthly)$4,412.94
Additional monthly expenses (strata, tax, utilities, etc.)$471.17
Total monthly cost$4,884.10
Interest paid over 5-yr term$196,036.37
Balance at end of term$615,260.21

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$60,500
Stress test qualifying rate8.09%
Payment you must qualify for$6,109.43

Cash Needed at Closing

Minimum down payment$60,500
Estimated BC PTT$15,100
Legal / closing costs (typical estimate)$1,500
Total cash needed$77,100

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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