Property Type: Condo / ApartmentOwnership: Freehold / Strata

10110 Main Street

Summerland, BC V0H1Z0

$899,000

5 bed2 bath6 parking2,161 sqftBuilt 1940
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Property Details

Property & Lot

Sub-type
Apartment
Stories
1
Lot size
0.12 acres

Ownership & Fees

Property type
Condo / Apartment
Ownership
Freehold / Strata
Annual property tax
$8,204.78

Interior

Heating
Baseboard heaters, Forced air
Fireplace
None

Exterior & Lot

View
City view, Mountain view

Building

Foundation
Stone
Roof
Asphalt shingle, Other, Unknown

Parking

Total spaces
6 — uncovered indicated
Features
Rear, Street

Room Dimensions

RoomLevelDimensions
Primary BedroomSecond level10' x 17'8''
OfficeSecond level7'10'' x 14'11''
Living roomSecond level25'5'' x 14'9''
OtherSecond level11'5'' x 10'1''
KitchenSecond level11'7'' x 14'9''
BedroomSecond level12'3'' x 12'11''
BedroomSecond level14'1'' x 12'1''
BedroomSecond level14'1'' x 11'7''
BedroomSecond level11'6'' x 10'10''
4pc BathroomSecond level11'4'' x 8'4''
3pc Ensuite bathSecond level11'7'' x 8'5''

Listing Information

MLS®
10392932
Listed
June 26, 2026
Time on market
On the market for 66 days
Data last synced
August 28, 2026

Listing provided by: RE/MAX Orchard Country · Data source: CREA DDF.

Description

Rare Downtown Summerland Commercial Opportunity! This is a unique chance to own a landmark mixed-use building in the heart of downtown Summerland. Ideally situated on Main Street with excellent visibility and foot traffic, this property has been home to successful bakeries since the 1940s and is a well-recognized part of the community. Situated on two titles, the property offers 2,589 sq. ft. of commercial space on the main level, currently occupied by the highly successful Summerland Bakehouse Co. Ltd., a thriving local business for more than 12 years. Above, you'll find a spacious 2,161 sq. ft. residential apartment featuring 5 bedrooms, 2 bathrooms, a generous living room, dining area, kitchen, laundry room, and a private rear deck. This versatile property presents numerous opportunities for investors and owner-occupiers alike. Continue utilizing the upper level as a rental residence or explore the potential for additional residential units to maximize income potential, subject to applicable approvals. Additional features include ample rear parking with convenient laneway access, excellent exposure, and a high-profile downtown location. Don't miss this rare opportunity to own one of Summerland's iconic mixed-use buildings. Contact the Listing REALTOR; today for more information and to arrange your private viewing. DUPLICATE LISTING. (id:63159)

Values & Trends

This listing

$416/sqft

Building average

No other active listings in this building

Main Town average

$334/sqft

7 active listing(s)

Parking: 6 stall(s) includedStorage locker: Not indicated

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 59%

Wind W 8 km/h

Tonight

12°

Tuesday

27°

Tuesday night

15°

Wednesday

24°

Wednesday night

13°

Thursday

19°

Source: Environment and Climate Change Canada.

Population

12,042

(2021 Census)

+3.7% since 2016

Density: 162.6/km²

Dwellings: 5,426

Median household income: $82,000

After-tax: $74,000

Immigrant population: 12.2%

Top countries of origin (% of total population)

  • United Kingdom3.3% · 395
  • Germany1% · 125
  • India0.9% · 110
  • United States of America0.8% · 95
  • Netherlands0.7% · 85
  • Poland0.4% · 50
  • Hungary0.3% · 40
  • Philippines0.3% · 40

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

59

7/9 categories nearby

Transit

Not enough data yet

How this is calculated

Amenities: points awarded per category (restaurants, cafes, grocery, parks, shopping, gyms, pharmacies, banks/ATMs, healthcare) based on distance to the nearest one — 3 points under 200m, 2 points under 500m, 1 point under 800m — summed across all 9 categories and scaled to 0–100.

Transit: based on the number of transit stops within 800m and their mode (SkyTrain weighted highest, then streetcar/ferry, then bus). This reflects stop type and count only — our data doesn't include how often a route actually runs, so frequency is never factored in.

Both scores depend on how much of the surrounding area has been synced from OpenStreetMap and TransLink's GTFS feed. A lower score can mean fewer amenities nearby, or simply that this area hasn't been fully synced yet — not a confident measurement of the location itself.

Nearby Schools

SchoolTypeDistance
Summerland SecondaryK-12284 m
Summerland Montessori School(Independent)Elementary485 m
Unisus Senior School(Independent)Secondary2.5 km
Unisus Junior School(Independent)Elementary2.5 km
Trout Creek ElementaryElementary5.4 km
Naramata ElementaryElementary6.5 km
West Bench ElementaryElementary11.8 km
Queens Park ElementaryElementary13.1 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.

Nearby Places

Restaurants (1)

  • Unnamed662 m

Cafes (2)

  • The Beanery Cafe · 13016 Victoria Road North84 m
  • Sunflower Café · 13229 Victoria Road North178 m

Grocery (1)

  • Nesters Market · 13604 Victoria Road North286 m

Parks (5+)

  • Memorial Park151 m
  • Unnamed231 m
  • Summerland Museum Park310 m
  • Unnamed417 m
  • Anglican Churchyard Cemetery & Park436 m

Gyms (1)

  • Summerland Aquatic and Fitness Centre · 13205 Kelly Avenue196 m

Pharmacies (2)

  • Shoppers Drug Mart272 m
  • Pharmasave288 m

Banks & ATMs (1)

  • Cascadia Credit Union · 13601 Victoria Road North223 m

Nearby places data: © OpenStreetMap contributors.

School district: Okanagan-Skaha (SD67)

Similar Listings Nearby

No similar listings found nearby right now.

Mortgage & Ownership Cost Calculator

Minimum required: 7.2% ($64,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$719,200.00
Periodic payment — Principal & Interest (monthly)$4,640.03
Additional monthly expenses (strata, tax, utilities, etc.)$791.73
Total monthly cost$5,431.77
Interest paid over 5-yr term$206,124.79
Balance at end of term$646,922.73

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$64,900
Stress test qualifying rate8.09%
Payment you must qualify for$6,413.94

Cash Needed at Closing

Minimum down payment$64,900
Estimated BC PTT$15,980
Legal / closing costs (typical estimate)$1,500
Total cash needed$82,380

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.

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