Property Type: DuplexOwnership: Freehold

1228 Government Street Unit# 102

Penticton, BC V2A4V4

$614,000

4 bed3.5 bath2 parking1,722 sqftBuilt 2018
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Property Details

Property & Lot

Sub-type
Duplex
Stories
2
Lot size
0.05 acres

Ownership & Fees

Property type
Duplex
Ownership
Freehold
Annual property tax
$3,470.63

Interior

Basement
Full
Heating
Forced air, See remarks
Cooling / A/C
Central air conditioning
Fireplace
None
Flooring
Laminate

Exterior & Lot

Exterior features
Other
View
City view, Mountain view

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
2

Room Dimensions

RoomLevelDimensions
StorageThird level6'9'' x 9'11''
Family roomThird level13'5'' x 22'10''
BedroomThird level13'5'' x 14'9''
4pc BathroomThird level4'11'' x 7'2''
BedroomSecond level9'11'' x 10'9''
BedroomSecond level8'3'' x 9'10''
3pc Ensuite bathSecond level5'4'' x 6'7''
Primary BedroomSecond level13'11'' x 18'7''
2pc BathroomMain level
Living roomMain level10'5'' x 13'5''
Dining roomMain level9'5'' x 12'5''
KitchenMain level10'6'' x 15'
FoyerMain level4'6'' x 11'5''

Listing Information

MLS®
10388100
Listed
May 20, 2026
Time on market
On the market for 103 days
Data last synced
August 28, 2026

Listing provided by: Front Street Realty · Data source: CREA DDF.

Description

Welcome to this immaculate , newer half duplex that boasts a fully fenced West-facing yard, two off-street parking stalls in the back lane, central air conditioning, gas stove , stainless steel appliances , & big/bright windows. Centrally located within walking distance to the hospital , schools , Penticton Creek, parks , IGA , and the downtown amenities. The main floor offers an open floor plan complete with kitchen/ dining / living room and convenient 2-piece bath. The upstairs is comprised of 3 bedrooms, 2 bathrooms with conveniently-located stackable laundry area. The spacious primary bedroom comfortably has room for a King size bedroom set, walk in closet, and 3-piece bath. The basement has been recently-renovated and is fully finished with laminate floors, large family room, and a bright 4th bedroom with a large newly-engineered window. Further electrical and water lines are roughed-in for the installation of a possible 2-piece bathroom. There is also a cozy fenced back yard with natural gas BBQ connection and garden shed. NO STRATA FEES. Home Warranty for Structural Coverage until June 2028. Showings with 24hr notice please. (id:63159)

Values & Trends

This listing

$357/sqft

Building average

No other active listings in this building

Main North average

$466/sqft

22 active listing(s)

Parking: 2 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

Mainly Clear

17°C

Mainly Clear

Humidity 67%

Wind NE 4 km/h

Tonight

12°

Tuesday

27°

Tuesday night

15°

Wednesday

24°

Wednesday night

13°

Thursday

19°

Source: Environment and Climate Change Canada.

Population

36,885

(2021 Census)

+9.3% since 2016

Density: 857.2/km²

Dwellings: 18,457

Median household income: $68,000

After-tax: $61,600

Immigrant population: 13.4%

Top countries of origin (% of total population)

  • United Kingdom2.6% · 960
  • India1.5% · 535
  • United States of America1.1% · 415
  • Germany1.1% · 390
  • Philippines1% · 375
  • Portugal0.5% · 200
  • Netherlands0.5% · 175
  • Korea, South0.3% · 110

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

33

5/9 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
Holy Cross School(Independent)Elementary/Middle429 m
Penticton Christian School(Independent)K-12638 m
Entre-lacsElementary/Middle778 m
Secondaire de PentictonSecondary830 m
Penticton SecondarySecondary830 m
ConnectEd - Alternative ProgramsSecondary879 m
Columbia ElementaryElementary1.5 km
Uplands ElementaryElementary1.7 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 (2)

  • Casa Deli Bistro240 m
  • Kura702 m

Grocery (2)

  • Penticton IGA · 1160 Government Street143 m
  • Canadian Wholesale Club · Main Street660 m

Parks (5+)

  • McLaren Park229 m
  • Kiawanis Park418 m
  • McNicoll Park650 m
  • Unnamed668 m
  • Unnamed679 m

Gyms (1)

  • Unnamed609 m

Pharmacies (1)

  • Shoppers Drug Mart779 m

Nearby places data: © OpenStreetMap contributors.

School district: Okanagan-Skaha (SD67)

Mortgage & Ownership Cost Calculator

Minimum required: 5.9% ($36,400) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$491,200.00
Periodic payment — Principal & Interest (monthly)$3,169.06
Additional monthly expenses (strata, tax, utilities, etc.)$375.22
Total monthly cost$3,544.27
Interest paid over 5-yr term$140,779.33
Balance at end of term$441,835.99

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$36,400
Stress test qualifying rate8.09%
Payment you must qualify for$4,441.54

Cash Needed at Closing

Minimum down payment$36,400
Estimated BC PTT$10,280
Legal / closing costs (typical estimate)$1,500
Total cash needed$48,180

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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