13614 Spencer Avenue
Summerland, BC V0H1Z0
$699,000
Property Details
Property & Lot
- Sub-type
- House
- Stories
- 2
- Lot size
- 0.17 acres
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,576.48
Interior
- Basement
- Full
- Heating
- Forced air, See remarks
- Cooling / A/C
- Central air conditioning, Window air conditioner
- Fireplace
- None
Exterior & Lot
- Exterior features
- Wood siding
- View
- Mountain view
Building
- Roof
- Asphalt shingle, Unknown
Parking
- Total spaces
- 9 — uncovered indicated
- Features
- Other, RV, Additional Parking
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Utility room | Basement | 14'5'' x 10'2'' |
| Laundry room | Basement | 8'3'' x 10'2'' |
| Kitchen | Basement | 14'4'' x 10'1'' |
| Bedroom | Basement | 14'1'' x 10'6'' |
| 3pc Bathroom | Basement | 8'10'' x 3'7'' |
| Sunroom | Main level | 14'8'' x 9'5'' |
| Living room | Main level | 19'8'' x 12'3'' |
| Kitchen | Main level | 22'4'' x 11'4'' |
| Dining room | Main level | 9'8'' x 10'8'' |
| Primary Bedroom | Main level | 11'11'' x 10'4'' |
| Bedroom | Main level | 11'10'' x 8'6'' |
| 4pc Bathroom | Main level | 7'10'' x 9'7'' |
Listing Information
- MLS®
- 10393387
- Listed
- July 2, 2026
- Time on market
- On the market for 60 days
- Data last synced
- August 28, 2026
Listing provided by: eXp Realty (Kelowna) · Data source: CREA DDF.
Description
Detached Summerland home under $700K with a self-contained lower level, flat yard, and detached garage/shop. A great fit for families with adult kids at home looking for space of their own, or buyers looking for supplemental rental income. Priced at $699,000, this 1,842 sq. ft. rancher with basement sits on a 0.17 acre fenced lot with lane access. The main level offers 2 bedrooms, a full bathroom, bright living area, sunroom, and a renovated kitchen with quartz counters, stainless appliances, and gas range. Downstairs, a separate entrance leads to its own kitchen, bathroom, and living space. Not a legal suite, but well suited to an adult child, aging parent, guest, or home office (rental use possible, subject to buyer's own verification with the District). Major 2021 updates include the kitchen, furnace, central air, hot water tank, and electrical. RU1 zoning may allow future infill housing, subject to District approval. Central location near schools, shopping, transit, recreation, and golf. (id:63159)
Values & Trends
This listing
$379/sqft
Building average
—
No other active listings in this building
Main Town average
$478/sqft
33 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
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
52
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
| School | Type | Distance |
|---|---|---|
| Summerland Secondary | K-12 | 538 m |
| Summerland Montessori School(Independent) | Elementary | 774 m |
| Unisus Senior School(Independent) | Secondary | 2.8 km |
| Unisus Junior School(Independent) | Elementary | 2.8 km |
| Trout Creek Elementary | Elementary | 5.7 km |
| Naramata Elementary | Elementary | 6.8 km |
| West Bench Elementary | Elementary | 12.1 km |
| Queens Park Elementary | Elementary | 13.4 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)
- Unnamed708 m
Cafes (2)
- Sunflower Café · 13229 Victoria Road North245 m
- The Beanery Cafe · 13016 Victoria Road North337 m
Grocery (1)
- Nesters Market · 13604 Victoria Road North188 m
Parks (5+)
- Unnamed215 m
- Julia St. Kinsmen Park464 m
- Memorial Park521 m
- Unnamed576 m
- Summerland Museum Park668 m
Gyms (1)
- Summerland Aquatic and Fitness Centre · 13205 Kelly Avenue486 m
Pharmacies (2)
- Shoppers Drug Mart331 m
- Pharmasave630 m
Banks & ATMs (1)
- Cascadia Credit Union · 13601 Victoria Road North258 m
Nearby places data: © OpenStreetMap contributors.
School district: Okanagan-Skaha (SD67)
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Mortgage & Ownership Cost Calculator
Minimum required: 6.4% ($44,900) — 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.