Property Type: DuplexOwnership: Freehold

1188&1190 HARTWICK Street

Kelowna, BC V1Y3P3

$1,100,000

6 bed4 bath10 parking3,980 sqftBuilt 1959
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Property Details

Property & Lot

Sub-type
Duplex
Stories
2
Lot size
0.2 acres

Ownership & Fees

Property type
Duplex
Ownership
Freehold
Annual property tax
$4,727

Interior

Heating
Forced air
Fireplace
None
Flooring
Hardwood, Carpeted

Exterior & Lot

Exterior features
Wood, Stucco

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
10 — covered indicated
Features
Attached Garage

Room Dimensions

RoomLevelDimensions
Primary BedroomSecond level14'0'' x 12'8''
BedroomSecond level13'5'' x 9'0''
3pc BathroomSecond level'9'' x 7''
Living roomSecond level17'8'' x 15'7''
Living roomSecond level17'9'' x 15'8''
Dining roomSecond level7'0'' x 15'7''
Dining roomSecond level6'8'' x 15'8''
KitchenSecond level12'0'' x 9'8''
KitchenSecond level11'8'' x 9'10''
Dining nookSecond level9'10'' x 5'7''
Primary BedroomSecond level14'0'' x 12'8''
Full bathroomSecond level10'9'' x 6''
BedroomSecond level13'3'' x 9'0''
Family roomMain level16'10'' x 14'0''
BedroomMain level9'5'' x 13'5''
3pc BathroomMain level9'5'' x 5''
KitchenMain level10'8'' x 8'9''
Laundry roomMain level10'10'' x 6'1''
Family roomMain level17'1'' x 14'0''
Laundry roomMain level10'10'' x 5'10''
2pc BathroomMain level10'5'' x 4''
KitchenMain level11'6'' x 9'1''
BedroomMain level9'6'' x 13'5''

Listing Information

MLS®
10392651
Listed
July 2, 2026
Time on market
On the market for 60 days
Data last synced
August 28, 2026

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

Description

A unique opportunity to own a full side-by-side duplex in one of Glenmore's most desirable neighbourhoods. Offered for sale for the first time and never previously rented, this original-owner property has been meticulously maintained and offers exceptional flexibility for investors, multigenerational families, or owner-occupiers looking to live in one residence while generating rental income from the other. Each side offers approximately 2,000 sq.ft. with 3 bedrooms, 2 bathrooms, spacious living and family rooms, attached garages, separate entrances, and private outdoor space. Beautifully maintained in largely original condition, the homes showcase hardwood flooring, oversized picture windows, wood-burning fireplaces, and solid wood cabinetry, providing the perfect opportunity to renovate, modernize, or appreciate the craftsmanship as it stands. The lower levels feature kitchenettes, bathrooms, separate entrances, and flexible living spaces, creating excellent potential for extended family, guests, or additional rental opportunities. Set on a generous 0.20-acre lot with a large backyard, the property offers plenty of outdoor space and room to grow. Ideally located in the heart of Glenmore, just minutes from downtown Kelowna, schools, parks, shopping, restaurants, UBCO, and Kelowna International Airport. A rare opportunity to own an original-owner full duplex with exceptional versatility and long-term potential in one of Kelowna's most central and sought-after neighbourhoods. (id:63159)

Values & Trends

This listing

$276/sqft

Building average

No other active listings in this building

Glenmore average

$517/sqft

5 active listing(s)

Parking: 10 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

15

3/9 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
Bankhead ElementaryElementary434 m
Glenmore ElementaryElementary882 m
The Balsam School(Independent)Elementary1.8 km
Central SecondarySecondary2.0 km
Central School ProgramsK-122.0 km
St Joseph Elementary School(Independent)Elementary2.1 km
A S Matheson ElementaryElementary2.2 km
Watson Road 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 (1)

  • Buffalo Rouge Brewing Co. · 1111 Gordon Drive690 m

Cafes (1)

  • Craft 42 Roasters · 1178 High Road618 m

Parks (5+)

  • Hartwick Park217 m
  • Lombardy Park331 m
  • Redlich Pond Park369 m
  • Jack Robertson Memorial Park490 m
  • Bankhead Park693 m

Nearby places data: © OpenStreetMap contributors.

School district: Central Okanagan (SD23)

Mortgage & Ownership Cost Calculator

Minimum required: 7.7% ($85,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$880,000.00
Periodic payment — Principal & Interest (monthly)$5,677.46
Additional monthly expenses (strata, tax, utilities, etc.)$592.92
Total monthly cost$6,270.38
Interest paid over 5-yr term$252,210.53
Balance at end of term$791,562.85

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$85,000
Stress test qualifying rate8.09%
Payment you must qualify for$7,804.99

Cash Needed at Closing

Minimum down payment$85,000
Estimated BC PTT$20,000
Legal / closing costs (typical estimate)$1,500
Total cash needed$106,500

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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