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432 HWY 97 Highway
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Beds
4
Baths
5 full + 1 half
Sqft
3,828
Year
1984
Type
Single Family
On market
101d
Welcome to your very own slice of Okanagan paradise! Cruise up your private 1-km switchback drive and arrive at 41.5 acres of pure, jaw-dropping privacy with sweeping 180 degree lake views. No neighbors. No highway noise. Just you, endless sky, and Lake Okanagan as far as the eye can see. This 3,800 plus sq. ft. showpiece spans three levels of stylish comfort. Inside, you’ll find a refreshed kitchen, four spacious bedrooms (each with its own ensuite!, and fresh flooring throughout. Oh—and the furniture? It’s all yours if you like. The oversized, partially covered deck was made for mornings with coffee, evenings with cocktails, and nights under the stars with a bold Okanagan red. Already wired and waiting with a hot tub in place—and yes, there’s plenty of room for a pool. Flexibility is the name of the game here: private retreat, seasonal getaway, luxury B&B, or short-term rental hotspot. Zoning that allows up to 3 accessory dwellings. Stay cozy by the electric fireplace on the main level, enjoy the pellet stove downstairs, or let 8 ductless heat pumps do their magic—keeping things perfectly cool or toasty, exactly how you like it. This is Okanagan living turned all the way up—perched high above Hwy 97, just north of Summerland on the way to Kelowna. Secluded, serene, and it can be yours. Call your agent today and they will tell you more about the most recent upgrades to this amazing home and property (id:65958)
Lower level
| Room | Dimensions | Features |
|---|---|---|
| 2pc Bathroom | — | |
| 4pc Ensuite bath | 8' x 9'1'' | |
| Foyer | 7' x 14'1'' | |
| Laundry room | 11'3'' x 21'6'' | |
| Exercise room | 9'5'' x 16'2'' | |
| Bedroom | 14'4'' x 15'9'' | |
| Family room | 16'7'' x 24'6'' |
Main level
| Room | Dimensions | Features |
|---|---|---|
| 3pc Ensuite bath | 11'8'' x 5'11'' | |
| Bedroom | 11'8'' x 15'2'' | |
| 4pc Ensuite bath | 5'11'' x 10'4'' | |
| Bedroom | 15'2'' x 15'9'' | |
| Dining room | 12' x 16'1'' | |
| Kitchen | 12'3'' x 16' | |
| Living room | 16'5'' x 22'8'' |
Second level
| Room | Dimensions | Features |
|---|---|---|
| 4pc Ensuite bath | 6'5'' x 14'11'' | |
| Primary Bedroom | 20'11'' x 21'5'' | |
| Loft | 15'4'' x 28' |
10-item due-diligence checklist. We can pre-flight most of these for you on a CMA call.
Comparable sales
Ask for 3–5 recent solds within ~1 km and the same beds/baths so the list price has context.
Property condition
Roof age, furnace age, hot-water tank age, electrical panel size, windows. Cosmetic vs structural.
Zoning
Confirm zoning matches your intent (single-family vs duplex vs secondary suite vs commercial).
Suite legality / potential
If suited or being marketed as suited: confirm permits, separate entrance, ceiling height, egress windows.
Monthly carrying cost
Mortgage + property tax + insurance + condo fee (if any) + utilities. Compare to your max budget.
Property taxes
Confirm the annual tax amount on the current assessment — and whether a reassessment is pending.
Insurance estimate
Get a same-day quote. Older homes, knob-and-tube wiring, polybutylene plumbing, flood plains all change the number.
Commute
Drive it (or transit it) at the actual time of day you'd commute. Map ETA lies during peak hours.
Deposit and financing conditions
Deposit size, financing condition window, condition removal date, possession date — all negotiable.
Inspection considerations
Budget for a home inspector ($500–700) and any specialty inspections (sewer scope, mould, asbestos for pre-1990 builds).
Rough ballpark only. Pick a down-payment option, then tap any underlined number below to plug in your real numbers — tax, condo fee, insurance, utilities. Total updates live. Confirm with a mortgage broker before writing an offer.
Cost lines (tax, condo, insurance, utilities) are editable inline above. These two control the mortgage payment math.
Approximation only. CMHC default insurance is included when down payment is under 20%. Property tax and condo fees come from MLS when listed and may not reflect the current billing year. Suite rental income depends on permits, market rent, and vacancy — confirm with a property manager. Always validate your scenario with a mortgage broker and your insurance provider before writing an offer.
We'll reply by text within a few hours. Comparable sales, condition flags, things worth checking — sent before you book a showing.
Listing brokerage
Listing brokerage on file
Listing data via CREA DDF®. Information is deemed reliable but not guaranteed accurate by CREA. Last updated May 12, 2026.
Nearby school, halal, mosque, grocery, park, and transit layers are still being built for Summerland. The listing facts above are live; the neighborhood-intelligence layer needs POI coverage before it can score this address properly.