Property Type: Condo / ApartmentOwnership: Strata

1035 Bernard Avenue Unit# 108

Kelowna, BC V1Y6P7

$289,900

2 bed2 bath1 parking1,133 sqftBuilt 1980
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Property Details

Property & Lot

Sub-type
Apartment
Stories
1

Ownership & Fees

Property type
Condo / Apartment
Ownership
Strata
Strata / maintenance fee
$398/mo
Annual property tax
$1,499

Interior

Heating
Baseboard heaters
Cooling / A/C
Wall unit
Fireplace
None

Parking

Total spaces
1 — uncovered indicated
Features
Parkade

Restrictions & Policies

Pets
Not allowed
Rentals
Allowed with restrictions
Age / occupancy
Seniors-oriented community

As reported by the listing board — always confirm current bylaws with the strata or landlord before relying on this.

Room Dimensions

RoomLevelDimensions
SunroomMain level11'8'' x 9'3''
StorageMain level7'9'' x 5'2''
3pc BathroomMain level7'9'' x 8'6''
BedroomMain level9'6'' x 12'6''
3pc Ensuite bathMain level
Primary BedroomMain level11'8'' x 12'6''
Living roomMain level12'7'' x 18'
Dining roomMain level10'3'' x 12'7''
KitchenMain level9'8'' x 12'3''

Listing Information

MLS®
10390952
Listed
June 10, 2026
Time on market
On the market for 82 days
Data last synced
August 28, 2026

Listing provided by: REMAX Kelowna · Data source: CREA DDF.

Description

This is a fantastic opportunity to own a spacious and affordable condo just blocks from Kelowna's waterfront! This ground-floor unit offers 1133 sqft with 2 generously sized bedrooms and 2 bathrooms, perfect for comfortable living. The condo features a large covered sundeck, an in-unit storage room, and underground parking with an additional storage locker on the parking level. Its prime location provides easy access to shopping, restaurants, coffee shops, and public transit, ensuring all your daily needs are met within minutes. Please note that this property is age-restricted to 55 years and older and does not allow pets. This is a wonderful chance to make a highly desirable downtown Kelowna condo your new home. Don't miss out! (id:63159)

Values & Trends

This listing

$256/sqft

Building average

$241/sqft

1 active listing(s)

Kelowna North average

$700/sqft

157 active listing(s)

Parking: 1 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

Clear

12°C

Clear

Humidity 88%

Wind ENE 5 km/h

Tonight

11°

Tuesday

27°

Tuesday night

14°

Wednesday

24°

Wednesday night

13°

Thursday

19°

Source: Environment and Climate Change Canada.

Population

144,576

(2021 Census)

+13.5% since 2016

Density: 682.4/km²

Dwellings: 67,115

Median household income: $82,000

After-tax: $73,500

Immigrant population: 15.3%

Top countries of origin (% of total population)

  • United Kingdom2.1% · 3,055
  • India1.6% · 2,335
  • Philippines1.1% · 1,620
  • Germany1.1% · 1,540
  • United States of America1% · 1,375
  • China0.7% · 960
  • Poland0.4% · 585
  • South Africa, Republic of0.4% · 525

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

48

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
Central School ProgramsK-12764 m
Central SecondarySecondary764 m
Bankhead ElementaryElementary824 m
St Joseph Elementary School(Independent)Elementary831 m
A S Matheson ElementaryElementary1.1 km
The Balsam School(Independent)Elementary1.1 km
Glenmore ElementaryElementary2.1 km
Raymer ElementaryElementary2.4 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 (5+)

  • Mekong Fresh Asian Cuisine · 1030 Harvey Avenue220 m
  • Swan Pizza301 m
  • Ricky's332 m
  • De Dutch374 m
  • Vintner's Grill457 m

Cafes (3)

  • Continental Breakfast223 m
  • Starbucks315 m
  • Gong Cha353 m

Grocery (3)

  • Nester's Market · 1111 Lawson Avenue210 m
  • Peter's Your Independent Grocer · 1835 Gordon Drive634 m
  • Safeway · 697 Bernard Avenue743 m

Parks (5+)

  • Martin Park298 m
  • Knowles Heritage Park318 m
  • Richmond Park689 m
  • Mary Ann Collinson Memorial Park697 m
  • Bankhead Park742 m

Gyms (1)

  • GoodLife Fitness651 m

Pharmacies (1)

  • Paragon Pharmacy219 m

Banks & ATMs (1)

  • BMO409 m

Nearby places data: © OpenStreetMap contributors.

School district: Central Okanagan (SD23)

Other Listings in This Building

Other units currently listed in the same building. 1035 Bernard Avenue

View building profile →
Built 1980

Mortgage & Ownership Cost Calculator

Minimum required: 5.0% ($14,495) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$231,920.00
Periodic payment — Principal & Interest (monthly)$1,496.27
Additional monthly expenses (strata, tax, utilities, etc.)$580.31
Total monthly cost$2,076.58
Interest paid over 5-yr term$66,468.94
Balance at end of term$208,612.79

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$14,495
Stress test qualifying rate8.09%
Payment you must qualify for$2,117.77

Cash Needed at Closing

Minimum down payment$14,495
Estimated BC PTT$3,798
Legal / closing costs (typical estimate)$1,500
Total cash needed$19,793

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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