4320 Gulch Road
Naramata, BC V0H1N0
$1,599,900
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 3.89 acres
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,968.5
Interior
- Basement
- Full
- Heating
- Heat Pump, Baseboard heaters, Stove, Electric, Wood
- Cooling / A/C
- Heat Pump
- Fireplace
- Yes (2)
- Fireplace type
- Insert
- Flooring
- Tile, Hardwood, Carpeted, Mixed Flooring
Exterior & Lot
- View
- Lake view, Mountain view, View of water, View (panoramic), Unknown
Building
- Roof
- Asphalt shingle, Unknown
Parking
- Total spaces
- 4 — covered indicated
- Features
- Attached Garage, Detached Garage, RV, Additional Parking
Restrictions & Policies
- Rentals
- Allowed
As reported by the listing board — always confirm current bylaws with the strata or landlord before relying on this.
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| 4pc Bathroom | Lower level | 7'1'' x 9'8'' |
| Bedroom | Lower level | 9'11'' x 11'3'' |
| Bedroom | Lower level | 12'2'' x 20'4'' |
| Other | Lower level | 9'4'' x 20'4'' |
| Recreation room | Lower level | 13'2'' x 17'8'' |
| Mud room | Main level | 5'7'' x 5'8'' |
| 3pc Bathroom | Main level | 6'10'' x 10'2'' |
| Bedroom | Main level | 8'8'' x 10'2'' |
| Bedroom | Main level | 8'11'' x 11'8'' |
| Primary Bedroom | Main level | 11'9'' x 12'7'' |
| Kitchen | Main level | 10'3'' x 16'10'' |
| Dining room | Main level | 10'8'' x 18'6'' |
| Living room | Main level | 13'5'' x 27'6'' |
Listing Information
- MLS®
- 10394076
- Listed
- July 10, 2026
- Time on market
- On the market for 52 days
- Data last synced
- August 28, 2026
Listing provided by: Stilhavn Real Estate Services · Data source: CREA DDF.
Description
Some homes offer a place to live. This one offers a way of life. Perched above Okanagan Lake on the coveted Naramata Bench, this updated 4-bedroom, 2-bathroom home captures breathtaking lake and vineyard views that make every day feel extraordinary. From morning coffee overlooking the water to evenings spent entertaining under endless Okanagan skies, the expansive outdoor living space is designed for unforgettable moments of long table dining. Inside, thoughtful updates blend comfort and character, while the partially finished basement offers easy suite potential or space to create something uniquely your own. The detached guest house—formerly a boutique tasting room with its own half bath—adds incredible flexibility as a fifth bedroom, studio, home business, guest retreat, or gym. Set on nearly 4 acres, the property invites you to embrace the homestead lifestyle at your own pace. A heritage orchard with a variety of fruit trees, vegetable garden, custom greenhouse, and chicken coop create an idyllic setting, while a maintenance-free lease is available on 2.5 acres of established organic Chardonnay and Gamay vines, allowing you to enjoy the romance of wine country without the work. Just a short walk to the Village's beaches, local eateries, shops, general store, and school, this is where the best of the Okanagan comes together—spectacular scenery, a welcoming community, award-winning wineries, and the rare opportunity to live a life that is as peaceful as it is inspiring. (id:63159)
Values & Trends
This listing
$564/sqft
Building average
—
No other active listings in this building
Naramata Village average
$998/sqft
8 active listing(s)
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
Nearest station: Summerland
17°C
—
Humidity 56%
Wind SW 4 km/h
Tonight
12°
Tuesday
27°
Tuesday night
15°
Wednesday
24°
Wednesday night
13°
Thursday
19°
Source: Environment and Climate Change Canada.
Nearby Schools
| School | Type | Distance |
|---|---|---|
| Naramata Elementary | Elementary | 776 m |
| Trout Creek Elementary | Elementary | 4.4 km |
| Summerland Secondary | K-12 | 6.4 km |
| Unisus Senior School(Independent) | Secondary | 6.8 km |
| Unisus Junior School(Independent) | Elementary | 6.8 km |
| Summerland Montessori School(Independent) | Elementary | 6.8 km |
| Uplands Elementary | Elementary | 11.4 km |
| West Bench Elementary | Elementary | 11.8 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: Okanagan-Skaha (SD67)
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Mortgage & Ownership Cost Calculator
Minimum required: 20.0% ($319,980) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Rates based on Bank of Canada benchmark data.
Financial Summary
Cash Needed at Closing
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.