Property Type: OtherOwnership: Freehold

4789 Naramata Road

Naramata, BC V0H1N1

$989,000

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Property Details

Property & Lot

Sub-type
Other
Lot size
4.69 acres

Ownership & Fees

Property type
Other
Ownership
Freehold
Annual property tax
$307.73

Interior

Fireplace
None

Exterior & Lot

View
Lake view, Mountain view, River view, Valley view, View (panoramic), Unknown
Waterfront
Waterfront on creek

Listing Information

MLS®
10378957
Listed
March 11, 2026
Time on market
On the market for 173 days
Data last synced
August 28, 2026

Listing provided by: Front Street Realty · Data source: CREA DDF.

Description

Located minutes from the heart of the quaint village of Naramata , this stunning 4.686 acre property slopes gently to the South West. Currently planted with one acre of certified organic Royal Gala apples. Quiet , peaceful rural location with building sites that feature spectacular views of Okanagan Lake , mountains , vineyards , orchards and valley. A unique feature : Robinson Creek meanders through the northern section of the property. Please do not enter the property without notice. (id:63159)

Values & Trends

This listing

Building average

No other active listings in this building

Naramata Rural average

$1,144/sqft

5 active listing(s)

Parking: Not indicatedStorage 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

Nearest station: Summerland

16°C

Humidity 59%

Wind W 8 km/h

Tonight

12°

Tuesday

27°

Tuesday night

15°

Wednesday

24°

Wednesday night

13°

Thursday

19°

Source: Environment and Climate Change Canada.

Nearby Schools

SchoolTypeDistance
Naramata ElementaryElementary1.7 km
Trout Creek ElementaryElementary5.2 km
Summerland SecondaryK-126.5 km
Summerland Montessori School(Independent)Elementary6.9 km
Unisus Junior School(Independent)Elementary7.2 km
Unisus Senior School(Independent)Secondary7.2 km
Uplands ElementaryElementary12.3 km
West Bench ElementaryElementary12.7 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: Okanagan-Skaha (SD67)

Mortgage & Ownership Cost Calculator

Minimum required: 7.5% ($73,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$791,200.00
Periodic payment — Principal & Interest (monthly)$5,104.55
Additional monthly expenses (strata, tax, utilities, etc.)$25.64
Total monthly cost$5,130.20
Interest paid over 5-yr term$226,760.19
Balance at end of term$711,686.96

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$73,900
Stress test qualifying rate8.09%
Payment you must qualify for$7,036.80

Cash Needed at Closing

Minimum down payment$73,900
Estimated BC PTT$17,780
Legal / closing costs (typical estimate)$1,500
Total cash needed$93,180

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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