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$1,049,900

3524 Scott Road Lot# 1

Lower Mission, Kelowna · MLS® 10380909

5 bed · 2 bath · 2,172 sq ft · 0 sq ft lot · 4 parking

House · Single Family · built 1964 · 183 days on market

Listed by Christian Kirschke, Coldwell Banker Horizon Realty

Looking for a great holding property? Check out this Lower Mission POSSIBILITY! This solid home, offers separate access to the basement. Located in the sought-after South Pandosy neighborhood. Long-Term Tenanted. A future revenue property, or redevelop into an oversized, deluxe home, possibly with a suite, a duplex, or even a multiplex? The property is set beside multimillion-dollar homes. Yes - just STEPS to two popular Beaches: Boyce-Gyro Beach and Rotary Beach, on Okanagan Lake. It has been well-lived-in. Tenanted currently. 3 beds on the main level, with 2 beds in the basement. 2 baths. Large, pool-sized backyard. Room for expansion! 65' x 135' MF1 Zoned and in one of Kelowna's most sought-after development areas!

Type: House, Single Family
Bedrooms: 5
Bathrooms: 2
Living area: 2,172 sq ft
Lot: 0 sq ft
Parking: 4
Year built: 1964
Property tax: $3,950 / yr
Days on market: 183
MLS®: 10380909

Below typical for the area (-10%)

Price per sq ft: $483 vs $538 median for houses in Lower Mission for sale (102)

An estimate from public BC Assessment records, registered sales and the listings for sale right now, not an appraisal. Condition, renovations, views and lot all move real value.

On market 183 days

Listed now: 71 days; median for 925 houses for sale; this one 183 days

Houses in Kelowna. Sale prices register 1 to 3 months after a sale closes.

FloodplainNo
Not within a designated floodplain on the provincial floodplain maps. These maps are historical and don't cover every river or the coast.
Source: Province of BC, Mapped Floodplains in BC
Agricultural Land ReserveNo
Not inside the Agricultural Land Reserve on the provincial map.
Source: Agricultural Land Commission, ALR boundary
HeritageNo
Not on the BC Register of Historic Places or in a heritage conservation area.
Source: BC Heritage Branch, historic places and conservation areas

From public government maps, matched to the listing's map pin. Maps can be out of date or miss a lot line; confirm with the municipality.

$4,903/mo

Mortgage $4,574 · Tax $329

20% down at 4.34% fixed (Ratehub.ca), 25 years; tax from the listing.

estimated payment

$4,574/ monthly

loan $839,920

25-year amortization

down payment20% · $209,98020%+ down: no mortgage insuranceinterest rate4.34%Rates from Ratehub.ca (best 5-year fixed and variable), checked Oct 7, 2026. Semi-annual compounding; your lender's rate may differ.amortizationpayment frequency

total interest: $532,374
property transfer tax: $18,998; BC general rate
cash to close: $228,978; down + PTT
total paid: $1,372,294

Estimates only. Rates change daily and lenders qualify at the stress-test rate; first-time-buyer and newly-built PTT exemptions aren't applied. Talk to a mortgage broker before you offer.

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