Finding waterfront property for sale in Kelowna can be challenging without proper real estate representation. There are limited lakeside homes available for sale in Kelowna and the most reasonably priced waterfront properties tend to be snapped up very quickly. Once you have decided that Kelowna waterfront is where you want to be, it’s best to get prepared for your next move as early as possible. I have a few tips on what you can do in advance to prepare for writing a deal to secure your spot along the shores of Okanagan Lake.

Narrow your search

Okanagan Lake is 135 km long, between 4 and 5 km wide, and has a surface area of 348 km2. Translation? It’s huge! Which means there are quite a few prime pieces of lakeside property out there to be had – for those with patience. The problem is these sought after parcels don’t come up for sale nearly as often as lakeview or other property types in Kelowna.

Generally speaking, once people make it to the lakeside, they don’t have the itch to sell as quickly. This is why I suggest you narrow your waterfront property search to at least three preferred areas of Kelowna. If you’re a local Kelowna resident this might be easy for you to do, if you’re buying real estate in Kelowna from Calgary, Vancouver or from abroad this might prove more difficult, which is why having a local real estate guide can be an immense benefit during your lakeshore property search.

The best advice when searching for lakefront homes for sale in Kelowna is to consider your budget first. The more central you are to downtown Kelowna the more the price tags tend to rise for beachfront living. Sandier beaches and proximity to amenities tend to drive lakeshore property costs up. The further out you go to the north (Poplar Point, Sheerwater, Clifton, McKinley) and south (Bertram) the more likely you are to see the prices decline slightly. While you will find some neighbourhoods never fluctuate other than to continually rise (Sheerwater, Fuller Road) there are some where deals can still be found. Crossing over the bridge to West Kelowna (Gellatly, Bear Creek, Fintry) to search for lakeside property for sale can see these exceptions. Typically you will be able to pick up more house for less money across the lake and further north.

Other things to consider aside from price when you are looking at lakeside communities in Kelowna are the shore type, the distance to amenities and your own lifestyle preferences.

There are many areas of Kelowna that have lakeshore properties for sale with sandy flat beaches where you can walk right out your door and into the lake (Abbott Street, Lower Mission). To the north you will discover rockier shores and steeper terrain, but the trade off is generally quieter neighbourhoods, newer homes and beautiful elevated views. Many homes north of Highway 97 have made access to the lake easy with stairs, trams and boathouses that make for easier entertaining during the summer months.

Another thing to consider when choosing your Kelowna lakeside neighbourhood is sun exposure. There are some areas that get shade earlier in the day such as the neighbourhoods across the lake in Fintry and Bear Creek. Areas like the Lower Mission and McKinley Landing get a little extra sun exposure during the summer. If sun is a concern you might want to visit the areas at different times of the day to see what your preference is. Many people move into a home for the natural light only to close the blinds all summer long because they’re getting too much sun! Other people buy something out in Fintry only to be in the shade on their dock from 3pm onwards.


Have a backup plan

Having a backup plan is always a good idea especially when you are hunting for lakeside real estate in Kelowna. You’re likely to get a few things on your wish list, but getting everything on your list can be a challenge in this demanding market.

Once you’ve narrowed down your top three lakeside neighbourhoods the next thing to do is to dial in your property type and home style preferences.

Do you want move in ready? Are you ready to roll up your sleeves and undertake a major renovation? Do you want a traditional home or are you interested in creating something modern? Do you want big views with lake access? Are you worried about stairs? Will you enjoy being in a strata development or are you looking for something private and estate like? Pay attention to these questions as your answers will help you to further dial in your scope of search when finding the right waterfront property for sale in Kelowna.

There are a lot of older lakeshore homes that have never been renovated and have been in Kelowna families for generations. When these lakeside properties come available you need to be ready to make an offer and then likely prepared to extensively renovate next. Be prepared that you will have a number of waterfront renovation restrictions coming at you from the City of Kelowna and in some neighborhoods heritage restrictions may also come into play. It’s best to check into zoning ahead of your offer, especially if you are looking in the downtown area to build or renovate your waterfront dream home.


Set a budget

Setting a budget is a part of every real estate hunters process, but when it comes to finding lakeshore homes in Kelowna for sale it’s imperative that you have this step squared away as early as possible with some contingency in mind.

Depending on how precise you are with your lakeside search criteria will determine the budget you should have set aside. If you know you want a fixer upper and aren’t terribly concerned with the area then you might have some room to move when attaining a waterfront parcel in a great Kelowna locale. If you have specific neighbourhoods, streets and property styles picked out then you could be faced with less flexibility in your budget due to competition and inventory.

Keep an open mind, but don’t stray too far from your wish list. You don’t want to be left facing an unplanned renovation with nothing left in your contingency because you blew the budget to get on your dream lakeside street. Be patient, but also remain flexible, sometimes compromising the house style for the neighbourhood that suits you best is worth it in the long run, but you must be realistic with your families lifestyle requirements. It won’t make much sense to live in a lakeside townhome on your favorite street if it only has 2 bedrooms and you have 5 kids and 3 large dogs.


Get informed

I touched on this above, but living on the waterfront in Kelowna can mean that you’re subject to more stringent building codes. You should be informed of this and other costs that arise from waterfront property ownership in Kelowna.

Higher property taxes are a given. If you can afford the initial price tag and the costs of renovating, then you shouldn’t be too worried about the tens of thousands you will be required to pay on an annual basis to the City of Kelowna. Living on the lake in Kelowna is considered the most prestigious address in the city and with that privilege, unfortunately also comes the highest property taxes.

You will also be subject to more weather. More wind, more water and more chances of flooding depending on your lakeshore location. Prepare to sandbag in the spring if there is flooding and prepare for pumping out water in some areas with low water table. If you are renovating you could also be subject to additional environmental permits and studies especially if you are building from scratch.

If you are searching for prime real estate for sale along the shores of Kelowna’s Okanagan Lake and you have done your research then finding your perfect lakeside home with the right real estate agent should be as easy as an Okanagan summer breeze.

If you’ve been looking forever and still haven’t found what you’re looking for, then give me a call and let’s discuss your wishes, wants and needs and fast track your waterfront property search.

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Waterfront and Lakeside Listings

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Available

Courtesy Of
Keith Watts Of RE/MAX Kelowna

$699,000

Beds
0
Baths
0

AVAILABLE

Lot

MLS® #10184580

Okanagan Centre is considered one of the hidden jewels of Lake Country and this is a rare opportunity to own a spectacular lakeview lot across the street from Okanagan Lake. Private building site with unobstructed 180 degree views of the Lake. Underground services on site. Development Permit in place, just bring your house plans! 66’ Easement on both the north…
Active

Courtesy Of
Jerry Geen Of RE/MAX Kelowna

$1,150,000

Beds
4
Baths
3

ACTIVE

Single Family

MLS® #10185175

Okanagan lakefront 2292 sf home with easy access, pebble beachfront & shared dock with boat lift. Situated in an exclusive serene community with 200 acres to explore. Just 30 mins from downtown Kelowna or West Kelowna, this home makes an excellent place to get away from the hustle and bustle year round or on the weekends. On the main, a…
Active

Courtesy Of
Quincy Vrecko Of RE/MAX Kelowna

$1,695,000

Beds
4
Baths
3

ACTIVE

Single Family

MLS® #10184646

Marketed by Quincy Vrecko of Re/MAX Kelowna. Call Quincy at 250-863-8810 for your private tour. Situated on 1.16 private acres & perched above almost 200’ of shoreline this fully renovated home offers the very best of the Okanagan waterfront lifestyle. Panoramic lake views await you from nearly every window in this almost 3000 sq.ft. 4 bedroom, 3 bath home. Enjoy…
Active

Courtesy Of
Dean Muscardin Of RE/MAX Kelowna

$795,000

Beds
3
Baths
3

ACTIVE

Townhouse Semi-Detac

MLS® #10185022

Luxurious town home in the gated community of Wood Lake Villas! Offering privacy, elegance and the best of beachfront living. This spacious 3 bed/3 bath semi-lake shore home is steps away from a private sandy beach and includes a private boat slip 'L' in the private marina. The open concept main floor features a well-designed kitchen with Wolf gas range,…
Active

Courtesy Of
Terry Compton Of RE/MAX Kelowna

$759,000

Beds
3
Baths
3

ACTIVE

Single Family

MLS® #10181830

Call TERRY COMPTON PREC* directly with RE/MAX Kelowna for more information 250-801-6678. www.TerryCompton.ca! Unbelievable Creekside setting. Canoe or paddle board to Okanagan Lake from your back yard. 3 bdrm + den 2.5 bath home, the extra living room could double as room for guests or extra large den. This home has a Stellar Location – Semi Lakeshore, Beach Front right…
Active

Courtesy Of
Julie Rowat Of RE/MAX Kelowna

$1,000,000

Beds
3
Baths
2

ACTIVE

Single Family w/Acre

MLS® #10184901

Lakefront Property with tons of potential here. Large 3,000 sq ft home at top of property. Has 3 bedrooms (could easily be more), 2 bathrooms with views from almost every room. Requires updating. Take meandering trail or shared road to approximately 75 feet of waterfront with existing cabin/cabana bar. Cabin has its own septic system and water running to it…
Active

Courtesy Of
Scott Marshall Of RE/MAX Kelowna

$798,000

Beds
4
Baths
2

ACTIVE

Single Family w/Acre

MLS® #10184788

1.62 acres of gently sloping land w/ unobstructed panoramic views, backing onto the Okanagan Rail Trail below. This 2010 custom built hexagonal home, which has completed significant upgrades, boasts 4 bedrooms, 2 bathrooms, a kitchen w/ travertine tile flooring & stainless steel appliances, & a living room w/ floor to ceiling sliding doors opening onto a wraparound sundeck to enjoy…
Active

Courtesy Of
Chad Bennett Of RE/MAX Kelowna

$849,000

Beds
0
Baths
0

ACTIVE

Lot

MLS® #10184841

WATERFRONT WITH AMENITIES. Amazing waterfront lot in one of the most prestigious developments in the Okanagan. Welcome to Lakestone! This lot boasts over 100 ft of frontage and is ideally suited for a walk-out style home of West Coast Contemporary style. The modern and sleek design guidelines at Lakestone protect the integrity of your new neighbourhood! This development is first…
Active

Courtesy Of
Chad Bennett Of RE/MAX Kelowna

$2,750,000

Beds
3
Baths
4

ACTIVE

Single Family - Bare

MLS® #10184842

"THE CLIFF HOUSE". Be the envy of your new neighbourhood with this architectural masterpiece! Sleek, modern & with all the bells and whistles, this home will literally be built on a cliff overlooking the magnificent Okanagan Lake. With over 2300 sq ft on one level, 3 beds & 4 baths, make this your own personal retreat. When you walk in…
Active

Courtesy Of
Keith Watts Of RE/MAX Kelowna

$699,000

Beds
0
Baths
0

ACTIVE

Lot

MLS® #10184580

Okanagan Centre is considered one of the hidden jewels of Lake Country and this is a rare opportunity to own a spectacular lakeview lot across the street from Okanagan Lake. Private building site with unobstructed 180 degree views of the Lake. Underground services on site. Development Permit in place, just bring your house plans! 66’ Easement on both the north…
Active

Courtesy Of
Dean Muscardin Of RE/MAX Kelowna

$349,000

Beds
2
Baths
2

ACTIVE

Apartment

MLS® #10182750

THIS IS A GOOD ONE!!! 1080 sqft of south and east facing apartment condo. Two large bedrooms, [ask for the floor plans], Emerald Point is unique in its location. Beside the 20 acre Beasley and Reiswig waterfront parks. And less than a 5 minute walk to the beaches of Wood Lake. Shopping, Pubs, Gas, soccer fields, tennis courts, the new…
Active

Courtesy Of
Nathan Flavel Of RE/MAX Kelowna

$2,475,000

Beds
3
Baths
3

ACTIVE

Single Family

MLS® #10177561

4,460 SQ FOOT HOME - LOCATED ON LAKE OKANAGAN AND POPULAR HOSPITAL DISTRICT - 3 BED 3 BATH - This privately situated family oasis is one you will not want to miss. Open concept home and perfect for entertaining. The great room flows from the chef's kitchen onto the outside living space. You are immediately met with sweeping lake views…
Active

Courtesy Of
Chad Bennett Of RE/MAX Kelowna

$765,000

Beds
0
Baths
0

ACTIVE

Lot Waterfront

MLS® #10180899

WATERFRONT LOT AT LAKESTONE. This is your chance to build an architectural masterpiece of West Coast Contemporary style with 180 degree lake views! Located in Lakestone, a master-planned community that is truly Lake Country's hidden gem! The Design Guidelines of this prestigious development will ensure the integrity of your new neighbourhood is held to the highest standards. Bring your own…
Active

Courtesy Of
Charlene Volk Of RE/MAX Kelowna

$359,900

Beds
2
Baths
1

ACTIVE

Apartment

MLS® #10181199

Heritage-inspired condo in Central Green Two located on the historic Kelowna Secondary School site. This junior two bedroom suite features open concept living, perfect for entertaining friends inside as well as on your covered patio where you overlook the manicured courtyard area! The kitchen boasts modern two-tone cabinetry with open display shelving, a sleek hood fan, and subway tiles in…
Active

Courtesy Of
Steven Hyndman Of RE/MAX Kelowna

$299,900

Beds
0
Baths
0

ACTIVE

Lot

MLS® #10177395

Great view lot looking south down Okanagan lake in the Lakestone development!! Suitable for walk out rancher home. Or bring your plan ,Vendor is a builder.Just a few doors away from community centre with outdoor pool and fitness room. Also pickleball, tennis courts and another 2nd fabulous community centre with lakeside pool, fitness centre and beach !! Vendor is a…