1105 Cactus Road
Kelowna, BC V1X5N3
$649,000
Property Details
Property & Lot
- Sub-type
- Duplex
- Stories
- 2
Ownership & Fees
- Property type
- Duplex
- Ownership
- Strata
- Strata / maintenance fee
- $0/mo
- Annual property tax
- $4,121.28
Interior
- Heating
- Baseboard heaters
- Fireplace
- None
- Flooring
- Laminate, Carpeted, Linoleum
Building
- Roof
- Asphalt shingle, Unknown
Parking
- Total spaces
- 5 — covered indicated
- Features
- Carport
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
| Room | Level | Dimensions |
|---|---|---|
| Bedroom | Additional Accommodation | 14'4'' x 9'0'' |
| Primary Bedroom | Additional Accommodation | 19'10'' x 10'3'' |
| Full bathroom | Additional Accommodation | — |
| Dining room | Additional Accommodation | 9'4'' x 10'3'' |
| Living room | Additional Accommodation | 12'4'' x 12'2'' |
| Kitchen | Additional Accommodation | 8'4'' x 10'3'' |
| Bedroom | Main level | 10'4'' x 14'1'' |
| Primary Bedroom | Main level | 12'5'' x 14'1'' |
| Full bathroom | Main level | — |
| Dining room | Main level | 10'6'' x 10'9'' |
| Living room | Main level | 12'4'' x 19' |
| Kitchen | Main level | 10'6'' x 8' |
Listing Information
- MLS®
- 10397728
- Listed
- August 18, 2026
- Time on market
- On the market for 13 days
- Data last synced
- August 28, 2026
Listing provided by: Century 21 Assurance Realty Ltd · Data source: CREA DDF.
Description
Half duplex in Rutland South with excellent potential for first-time buyers, investors, future development or anyone looking for a mortgage helper. The main level features 2 bedrooms and 1 bathroom. The lower level offers a self-contained 2 bedroom, 1 bathroom suite with a separate entrance and was updated in 2023. Both levels have their own laundry, baseboard heating, and vinyl windows. Recent improvements include a new roof and gutters in 2024. The property also offers plenty of parking, storage sheds, and a large fenced yard. No strata fees, with shared building insurance. Convenient location close to schools, transit, shopping, and parks. Very solid home with loads of future potential. Virtual photos are included to show the potential with some cosmetic updating. (id:63159)
Values & Trends
This listing
$342/sqft
Building average
—
No other active listings in this building
Rutland South average
$324/sqft
8 active listing(s)
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
15°C
Clear
Humidity 76%
Wind NNW 4 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.
Nearby Schools
| School | Type | Distance |
|---|---|---|
| Okanagan Christian School(Independent) | K-12 | 400 m |
| Quigley Elementary | Elementary | 785 m |
| Belgo Elementary School | Elementary | 818 m |
| Okanagan Montessori Elementary School(Independent) | Elementary | 1.3 km |
| South Rutland Elementary | Elementary | 1.6 km |
| Flex Academy(Independent) | K-12 | 2.0 km |
| Springvalley Elementary | Elementary | 2.1 km |
| Springvalley Middle School | Elementary | 2.2 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.
School district: Central Okanagan (SD23)
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Mortgage & Ownership Cost Calculator
Minimum required: 6.1% ($39,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Rates based on Bank of Canada benchmark data.
Financial Summary
Cash Needed at Closing
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.