Property Type: Condo / ApartmentOwnership: Strata

4190 Gallaghers Forest S

Kelowna, BC V1W5E4

$1,298,000

3 bed3.5 bath4 parking2,147 sqftBuilt 2002
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Amenities

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

Property Details

Property & Lot

Sub-type
House
Stories
1
Lot size
0.29 acres

Ownership & Fees

Property type
Condo / Apartment
Ownership
Strata
Strata / maintenance fee
$332/mo
Annual property tax
$5,656.11

Maintenance Fee Includes

Management

Also included: Recreation Facilities

Interior

Basement
Crawl space
Heating
Forced air, See remarks
Cooling / A/C
Central air conditioning
Fireplace
Yes (3)
Fireplace type
Gas, Electric, Mixed, Unknown, Unknown, Unknown
Flooring
Tile, Hardwood

Exterior & Lot

Exterior features
Stucco
View
Mountain view, Ravine view

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
4 — covered indicated
Features
Attached Garage

Restrictions & Policies

Pets
Allowed

As reported by the listing board — always confirm current bylaws with the strata or landlord before relying on this.

Room Dimensions

RoomLevelDimensions
OtherMain level6' x 8'1''
Utility roomMain level5'7'' x 6'1''
Laundry roomMain level13'3'' x 6'4''
OtherMain level27'4'' x 19'1''
4pc Ensuite bathMain level10'1'' x 7'5''
2pc BathroomMain level6'2'' x 4'8''
BedroomMain level12' x 10'1''
BedroomMain level12' x 11'
5pc Ensuite bathMain level14'3'' x 8'1''
Primary BedroomMain level22'6'' x 11'9''
Living roomMain level16'6'' x 12'6''
KitchenMain level9'11'' x 14'3''
FoyerMain level3'6'' x 6'3''
Family roomMain level14'6'' x 14'
Dining nookMain level7' x 14'3''
Dining roomMain level8'8'' x 12'8''

Listing Information

MLS®
10392764
Listed
July 20, 2026
Time on market
On the market for 42 days
Data last synced
August 28, 2026

Listing provided by: Stilhavn Real Estate Services · Data source: CREA DDF.

Description

Welcome to this exceptional 3 bdrm rancher in Gallagher's Canyon, a master planned community set around a championship golf course, an executive golf course & a spectacular canyon. Backing onto protected green space w/direct access to walking trails & no rear neighbours, this freshly renovated home blends privacy, tranquility & convenience. Beautifully mature landscaped grounds create an inviting first impression. And once inside, the bright foyer welcomes you into thoughtfully designed living spaces where timeless finishes, custom lighting, vaulted ceilings & architectural details create an atmosphere of understated elegance. The home's functional layout offers the perfect balance of formal & everyday living. The elegant living rm, complete w/gas f/p & expansive windows, flows seamlessly into the formal dining area, perfect for gatherings of all size! At the heart of the home, the gorgeous new kitchen features SS appl, quartz surfaces, a pantry & opens to the spacious family rm & breakfast nook, creating an inviting space. Large windows & sliding doors seamlessly connect the indoors with the private backyard oasis featuring an expansive patio, hot tub, lush lawns & peaceful forest views! The primary suite is a secret sanctuary with vaulted ceilings, a cozy f/p, a spa-inspired 5pc ensuite & tranquil backyard views. Completing this exceptional home are 2 more bdrms, a full bath & a well-designed laundry/mudroom. Truly gorgeous from top to bottom, all you have to do is move in! (id:63159)

Values & Trends

This listing

$605/sqft

Building average

No other active listings in this building

South East Kelowna average

No comparable active listings

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

12°C

Clear

Humidity 88%

Wind ENE 5 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 ElementaryElementary2.9 km
Okanagan Montessori Elementary School(Independent)Elementary4.3 km
Black Mountain ElementaryElementary4.6 km
Okanagan Christian School(Independent)K-125.2 km
Quigley ElementaryElementary5.6 km
Belgo Elementary SchoolElementary5.7 km
South Rutland ElementaryElementary6.3 km
Springvalley ElementaryElementary6.4 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: 8.1% ($104,800) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,038,400.00
Periodic payment — Principal & Interest (monthly)$6,699.40
Additional monthly expenses (strata, tax, utilities, etc.)$909.90
Total monthly cost$7,609.31
Interest paid over 5-yr term$297,608.42
Balance at end of term$934,044.16

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$104,800
Stress test qualifying rate8.09%
Payment you must qualify for$9,175.29

Cash Needed at Closing

Minimum down payment$104,800
Estimated BC PTT$23,960
Legal / closing costs (typical estimate)$1,500
Total cash needed$130,260

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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