Top 4 Waterfront Specialist | Coldwell Banker
Your Kelowna Waterfront Realtor
I grew up on these shores, and I understand your waterfront dream. With 10+ years navigating Lake Okanagan's unique market—from dock permits to shore types—I'll help you find the perfect lakefront property and avoid costly mistakes.
Limited Waterfront Inventory: Only 3-5 prime lakefront properties typically available in Lower Mission at any time. Properties move within 30-45 days.
Free Waterfront Property Buyer's Guide
Before you make an offer, get my comprehensive guide covering dock permits, shoreline regulations, tax implications, and the 7 costly mistakes waterfront buyers make.
Dock Permit Checklist
Step-by-step permit requirements
True Cost Analysis
Hidden waterfront ownership costs
Neighborhood Guide
Compare all waterfront areas
No obligation. Instant access. Your waterfront journey starts here.
Why Work with a Waterfront Specialist?
Waterfront properties represent a significant investment. Lake Okanagan homes come with complexities that require specialized expertise—expertise I've developed over 10+ years and 50+ waterfront transactions.
Born-and-Raised Lake Knowledge
Growing up in Kelowna, I've spent my life on Lake Okanagan. I know which beaches are sandy, where morning sun hits, how lake levels fluctuate, and the unique character of every waterfront neighborhood. This isn't just business—it's my backyard.
Licensed Expert in BC & Alberta
Certified in both BC and Alberta with advanced training in waterfront regulations. I navigate dock permits, shoreline setbacks, environmental bylaws, and foreshore leases daily. You won't face surprises after purchase—I'll ensure you understand every regulation upfront.
Proven Luxury Market Negotiation
Over $125M+ in Okanagan luxury real estate sold. I understand the nuances of negotiating $2M-$15M+ waterfront deals, from valuing dock rights to leveraging comparable sales. My clients consistently secure better terms and pricing on premium lakefront properties.
Your Waterfront Search Starts with a Simple Conversation
Let's talk about your lakefront lifestyle vision. No pressure, no commitment—just an informal chat about what you're looking for and how I can help you find it.
Kelowna Waterfront Neighbourhoods Guide
Each waterfront neighborhood on Lake Okanagan offers unique characteristics, price points, and lifestyle benefits. Here's your expert guide to the best waterfront areas in Kelowna.
Note: Exclusive waterfront locations have limited availability year-round
Lower Mission
The most sought-after waterfront neighborhood in Kelowna, featuring sandy beaches, walkable access to downtown, and proximity to world-class wineries.
Price Range
$2M - $6M+
Shore Type
Sandy
Sun Exposure
West-facing
Abbott Street
Downtown waterfront living offering urban lakefront lifestyle with restaurants, parks, and cultural amenities steps from your door.
Price Range
$1.5M - $4M
Shore Type
Mixed
Sun Exposure
West-facing
McKinley Beach
Newer master-planned waterfront development with elevated lake views, modern homes, and resort-style amenities.
Price Range
$2M - $5M
Shore Type
Sandy beach access
Sun Exposure
West-facing
Sheerwater / Glenmore
Ultra-luxury waterfront estates offering maximum privacy, expansive lots, and some of Kelowna's most prestigious addresses.
Price Range
$3M - $15M+
Shore Type
Mixed
Sun Exposure
Varies by property
West Kelowna Waterfront
Including Fintry, Bear Creek, and Gellatly—these areas offer more value, quieter settings, and stunning lake views across to Kelowna.
Price Range
$1.5M - $4M
Shore Type
Varied
Sun Exposure
East-facing (morning sun)
What to Know Before Buying Waterfront Property
Waterfront properties come with unique considerations. Here are the critical factors every Lake Okanagan buyer should understand before making an offer—mistakes here can cost you tens of thousands.
Building Restrictions & Permits
Shoreline setbacks, environmental regulations, building height restrictions, and multiple permit requirements govern waterfront construction and renovations.
Higher Property Taxes
Waterfront properties carry premium assessed values. Annual taxes range from $15,000-$50,000+ depending on location and home value—often 2-3x non-waterfront comparables.
Shore Types (Sandy vs Rocky)
Sandy beaches are premium and rare. Rocky shorelines offer privacy but require water shoes. Shore type significantly affects property value and usability for families.
Sun Exposure by Area
West-facing properties (Lower Mission, McKinley) enjoy afternoon and sunset views. East-facing West Kelowna gets morning sun. Consider your lifestyle and when you'll use outdoor spaces.
Dock & Boat Access Considerations
Dock permits require Transport Canada approval. Lake levels fluctuate seasonally. Existing dock rights add significant value. Some properties have shared dock access or marina privileges.
Flooding/Weather Considerations
Flood insurance requirements vary by elevation. Spring runoff can affect low-lying properties. Wind exposure impacts insurance costs. Erosion protection and retaining walls may need maintenance.
PROVEN WATERFRONT EXPERTISE
50+ Waterfront Families Helped Find Their Lake Okanagan Dream
Real experiences from waterfront buyers across Lake Okanagan communities
Made Our Dream Home a Reality
“Justin went above and beyond to help us find our dream home in Lower Mission. His knowledge of the Kelowna market and negotiation skills saved us thousands. We couldn't have asked for a better realtor.”
Sold Above Asking in 10 Days
“From staging advice to the final negotiation, Justin handled everything professionally. Our home sold above asking price in just 10 days. His marketing strategy really set our listing apart.”
Expert Investment Guidance
“As an out-of-province investor, I needed someone I could trust. Justin's understanding of both the Calgary and Kelowna markets helped me build a solid rental portfolio. Highly recommend for investors.”
Patient and Professional
“We were first-time buyers and Justin was incredibly patient, explaining every step of the process. He never pressured us and helped us find the perfect family home within our budget.”
Commercial Expertise You Can Trust
“Justin helped me purchase a commercial property for my business. His experience in both residential and commercial real estate made the transaction smooth. Great communication throughout.”
Exceptional Service
“Selling our waterfront property was a big decision. Justin's marketing was top-notch and he attracted qualified buyers quickly. We got multiple offers and sold for more than we expected.”
Join the growing number of waterfront buyers who trusted me with their Lake Okanagan property search
Start Your Waterfront Journey TodayWaterfront Real Estate FAQs
Common questions about buying waterfront property on Lake Okanagan
How much does waterfront property cost in Kelowna?
Kelowna waterfront properties range from $2M to $15M+ depending on location, size, and amenities. Lower Mission waterfront homes typically start at $2M-$6M+, while ultra-luxury estates in Sheerwater and Glenmore can exceed $15M. West Kelowna waterfront (Fintry, Bear Creek, Gellatly) offers more value, often starting in the $1.5M-$3M range. Factors affecting price include shore type (sandy vs rocky), sun exposure, lot size, dock access, and proximity to downtown.
What are the best waterfront neighbourhoods in Kelowna?
Top waterfront neighborhoods include Lower Mission (sandy beaches, walkable to downtown), Abbott Street (urban lakefront living), McKinley Beach (newer development with elevated views), Sheerwater/Glenmore (ultra-luxury estates), and West Kelowna areas like Fintry, Bear Creek, and Gellatly (more value, quieter setting). Each offers unique advantages—Lower Mission provides the classic Kelowna waterfront lifestyle, while West Kelowna offers privacy and value.
What should I know before buying lakefront property in Kelowna?
Key considerations include building restrictions and permits (shoreline setbacks, environmental regulations), higher property taxes (waterfront premiums), shore type (sandy beaches vs rocky shoreline), sun exposure by area (west-facing for afternoon sun), dock and boat access (permits required, lake levels fluctuate), and flooding/weather considerations (insurance requirements, erosion protection). It's essential to work with a waterfront specialist who understands these complexities.
Is Kelowna waterfront real estate a good investment?
Kelowna waterfront properties are historically strong investments due to limited supply and consistent demand. Lake Okanagan waterfront is highly desirable for retirees, families, and vacation home buyers. Values appreciate well over time, though the luxury market can be more volatile. Rental potential is excellent for vacation properties. Consider waterfront as a long-term investment (10+ years) for best returns.
Can I build a dock on Okanagan Lake?
Yes, but you need proper permits. Dock construction on Okanagan Lake requires approval from multiple agencies including Transport Canada, the Okanagan Basin Water Board, and local municipalities. Regulations govern dock size, setbacks from neighboring properties, environmental impact, and seasonal installation/removal. Some properties have existing dock rights, which adds significant value. A waterfront realtor can help navigate these requirements.
What are property taxes like on Kelowna waterfront homes?
Waterfront properties in Kelowna pay higher property taxes due to premium assessed values. Expect annual property taxes of $15,000-$50,000+ depending on home value and location. Waterfront assessments can be 2-3x higher than comparable non-waterfront homes. Lower Mission and Sheerwater have the highest tax rates due to luxury valuations. West Kelowna waterfront areas typically have lower taxes than Kelowna proper.
LIMITED TIME: Waterfront inventory at historically low levels—only 3-5 prime listings available in Lower Mission
Ready to Find Your Lake Okanagan Waterfront Home?
Let's start with a simple conversation about your waterfront lifestyle vision. I'll share current exclusive listings, help you understand the true costs, and create a personalized search strategy—completely free, zero obligation.
Top 4 Coldwell Banker Agent | Licensed in BC & Alberta | 10+ Years Lake Okanagan Expertise | 50+ Waterfront Transactions
P.S. Don't wait on your waterfront dream. Prime lake properties rarely last more than 30-45 days on market. Let me alert you the moment your ideal waterfront home becomes available—before it hits public listings.