Property Type: Detached HouseOwnership: Freehold

10414 Victoria Road Unit# 178

Summerland, BC V0H1Z2

$559,000

3 bed3.5 bath1,362 sqftBuilt 2016
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
0.13 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Strata / maintenance fee
$0/mo
Annual property tax
$3,073

Interior

Heating
Forced air, See remarks
Cooling / A/C
Central air conditioning
Fireplace
Yes (1)
Fireplace type
Gas, Unknown

Building

Roof
Asphalt shingle, Unknown

Parking

Features
Other, RV, Additional Parking

Restrictions & Policies

Pets
Allowed

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

Room Dimensions

RoomLevelDimensions
Laundry roomSecond level4'11'' x 7'8''
BedroomSecond level10'3'' x 11'1''
4pc BathroomSecond level
Primary BedroomSecond level15'4'' x 12'8''
BedroomMain level8' x 10'2''
Living roomMain level12' x 12'9''
Dining roomMain level6'9'' x 11'5''
KitchenMain level11'7'' x 8'1''
2pc BathroomMain level
4pc BathroomSecond level

Listing Information

MLS®
10383637
Listed
April 15, 2026
Time on market
On the market for 138 days
Data last synced
August 28, 2026

Listing provided by: Real Broker BC Ltd · Data source: CREA DDF.

Description

Charming Craftsman blending quality and timeless character. The kitchen features quartz countertops, custom cabinetry, and a copper farm sink. Bright main living space with 9' ceilings, a cozy gas fireplace, and seamless flow into the dining area. The main floor also includes a versatile third bedroom or den and a two-piece bath. Upstairs offers a spacious primary suite with dual closets and a spa-like ensuite with double vanities and a soaker tub, plus a second bedroom, full bathroom, and convenient laundry. Enjoy a private backyard with a large cedar deck and covered seating area-perfect for year-round use. Ample parking, including space for an RV or boat, adds exceptional value. (id:63159)

Values & Trends

This listing

$410/sqft

Building average

No other active listings in this building

Main Town average

$477/sqft

33 active listing(s)

Parking: Not indicatedStorage 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

11

1/9 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 Montessori School(Independent)Elementary679 m
Summerland SecondaryK-121.3 km
Unisus Senior School(Independent)Secondary1.3 km
Unisus Junior School(Independent)Elementary1.3 km
Trout Creek ElementaryElementary4.7 km
Naramata ElementaryElementary6.4 km
West Bench ElementaryElementary10.7 km
Queens Park ElementaryElementary12.0 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

Parks (3)

  • Reid Park140 m
  • Dale Meadows Park515 m
  • Unnamed715 m

Nearby places data: © OpenStreetMap contributors.

School district: Okanagan-Skaha (SD67)

Mortgage & Ownership Cost Calculator

Minimum required: 5.5% ($30,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$447,200.00
Periodic payment — Principal & Interest (monthly)$2,885.18
Additional monthly expenses (strata, tax, utilities, etc.)$324.08
Total monthly cost$3,209.27
Interest paid over 5-yr term$128,168.81
Balance at end of term$402,257.85

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$30,900
Stress test qualifying rate8.09%
Payment you must qualify for$4,060.90

Cash Needed at Closing

Minimum down payment$30,900
Estimated BC PTT$9,180
Legal / closing costs (typical estimate)$1,500
Total cash needed$41,580

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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