5649 Cosens Bay Road Unit# 13
Vernon, BC V1B1N8
$499,900
Property Details
Property & Lot
- Sub-type
- Other
- Lot size
- 0.3 acres
Ownership & Fees
- Property type
- Condo / Apartment
- Ownership
- Strata
- Strata / maintenance fee
- $0/mo
- Annual property tax
- $1,050.34
Interior
- Fireplace
- None
Exterior & Lot
- View
- Lake view, Mountain view, Valley view, View of water, View (panoramic)
- Waterfront
- Waterfront on lake
Listing Information
- MLS®
- 10362283
- Listed
- September 11, 2025
- Time on market
- On the market for 354 days
- Data last synced
- August 28, 2026
Listing provided by: Canada Flex Realty Group · Data source: CREA DDF.
Description
Don’t miss this rare opportunity to build your dream home on the crystal-clear shores of prestigious, family-friendly Kalamalka Lake. Nestled within the exclusive, gated lakeshore community of Kalamalka Park Estates, this remarkable property combines privacy, natural beauty, and modern convenience. Just steps from your lot, enjoy direct access to the lake from your own private dock—perfect for swimming, paddling, or boating in the warm emerald waters. The community also offers shared amenities including a pickleball court, hiking trails, and an additional shared dock, ensuring endless opportunities for recreation and relaxation. Bordered by the protected parklands of Kalamalka Provincial Park and Cougar Canyon, this location offers unmatched tranquility while still being only 25 minutes from Vernon’s shops, dining, and amenities. All essential services are already in place: a private potable water system with UV purification, hydro power at the lot line (share included in the price and fully paid), and a metered propane system. A septic holding tank installation will complete your utilities—bringing modern comfort to your lakeside retreat. Opportunities like this are rare—secure your place in this hidden gem of the Okanagan. NO SPECULATION TAX! Contact us or your REALTOR today to schedule your private viewing! (id:63159)
Values & Trends
This listing
—
Building average
—
No other active listings in this building
Mun of Coldstream average
$371/sqft
1 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
16°C
—
Humidity 69%
Wind ESE 14 km/h
Tonight
11°
Tuesday
27°
Tuesday night
14°
Wednesday
24°
Wednesday night
13°
Thursday
19°
Source: Environment and Climate Change Canada.
Population
44,519
(2021 Census)
+11% since 2016
Density: 461.7/km²
Dwellings: 21,287
Median household income: $73,500
After-tax: $66,500
Immigrant population: 12.4%
Top countries of origin (% of total population)
- United Kingdom2.3% · 1,030
- Germany1.2% · 550
- United States of America1% · 450
- India0.8% · 355
- Philippines0.7% · 315
- Netherlands0.6% · 270
- Poland0.3% · 150
- South Africa, Republic of0.3% · 125
Source: Statistics Canada, 2021 Census of Population.
Nearby Schools
| School | Type | Distance |
|---|---|---|
| Kidston Elementary | Elementary | 6.1 km |
| Kalamalka Secondary | Elementary | 6.4 km |
| Coldstream Elementary | Elementary | 7.2 km |
| Okanagan Landing Elementary | Elementary | 7.2 km |
| Clarence Fulton Secondary | Elementary | 7.9 km |
| Ellison Elementary | Elementary | 8.1 km |
| Mission Hill Elementary | Elementary | 8.6 km |
| Oyama Traditional School | Elementary | 9.0 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: Vernon (SD22)
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Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($24,995) — 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.