Property Type: Land / LotOwnership: Freehold

4401 Westside Road N Unit# Lot 21

Kelowna, BC V1Y8B2

$549,900

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Property Details

Property & Lot

Sub-type
Other
Lot size
0.27 acres
Frontage
71 feet

Ownership & Fees

Property type
Land / Lot
Ownership
Freehold
Strata / maintenance fee
$250/mo
Annual property tax
$5,753.85

Interior

Fireplace
None

Exterior & Lot

View
Lake view, Mountain view, View (panoramic)
Waterfront
Waterfront on lake

Listing Information

MLS®
10357099
Listed
July 2, 2026
Time on market
On the market for 60 days
Data last synced
August 28, 2026

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

Description

Welcome to Shelter Cove a Lakeshore Community Overlooking Okanagan Lake. This Subdivision is in the late stages of becoming a Freehold Bare-land Strata Community. Build your Dream Home or Recreational Weekend Getaway. Access to Lake will need stairs or a Vestibule/Tram. Great Building site situated on .27 acre lot. Vendor Financing Available OAC. Adjacent Lot 22 is also Available. (id:63159)

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
Davidson Road ElementaryElementary5.1 km
George Elliot SecondarySecondary7.4 km
HS Grenda Middle SchoolMiddle7.6 km
Peter Greer ElementaryElementary8.1 km
Oyama Traditional SchoolElementary11.0 km
North Glenmore ElementaryElementary14.6 km
Aberdeen Hall Preparatory School(Independent)K-1214.9 km
Dr Knox Middle SchoolMiddle15.3 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: 5.5% ($29,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$439,920.00
Periodic payment — Principal & Interest (monthly)$2,838.21
Additional monthly expenses (strata, tax, utilities, etc.)$729.49
Total monthly cost$3,567.70
Interest paid over 5-yr term$126,082.34
Balance at end of term$395,709.46

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$29,990
Stress test qualifying rate8.09%
Payment you must qualify for$3,997.93

Cash Needed at Closing

Minimum down payment$29,990
Estimated BC PTT$8,998
Legal / closing costs (typical estimate)$1,500
Total cash needed$40,488

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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