Property Type: Detached HouseOwnership: Freehold

1409 Ethel Street

Kelowna, BC V1Y2X5

$929,000

4 bed2 bath4 parking1,237 sqftBuilt 1933
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Property Details

Property & Lot

Sub-type
House
Stories
1
Lot size
0.12 acres
Frontage
42 feet

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,056.14

Interior

Basement
Crawl space
Heating
Electric, See remarks
Cooling / A/C
Wall unit
Fireplace
Yes (1)
Fireplace type
Gas, Unknown
Flooring
Tile, Hardwood, Laminate

Exterior & Lot

Exterior features
Other

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
4 — covered indicated
Features
Detached Garage

Room Dimensions

RoomLevelDimensions
3pc BathroomBasement5'2'' x 8'5''
Primary BedroomBasement10'9'' x 13'2''
KitchenBasement9'10'' x 9'11''
Living roomBasement9'10'' x 14'5''
KitchenMain level13'6'' x 11'6''
Dining roomMain level7'5'' x 8'8''
Laundry roomMain level3'11'' x 12'4''
3pc BathroomMain level9'4'' x 5'1''
BedroomMain level9'3'' x 9'10''
Primary BedroomMain level9'3'' x 9'6''
BedroomMain level7'7'' x 11'6''
Living roomMain level13'3'' x 13'6''

Listing Information

MLS®
10380502
Listed
April 1, 2026
Time on market
On the market for 152 days
Data last synced
August 28, 2026

Listing provided by: Stilhavn Real Estate Services · Data source: CREA DDF.

Description

Positioned in one of Kelowna’s most walkable and rapidly evolving neighbourhoods, this property offers outstanding versatility and long-term upside for homeowners, investors, and developers alike. Just minutes to downtown, Okanagan Lake, beaches, shopping, restaurants, schools, and transit, the location delivers the ultimate Okanagan lifestyle paired with exceptional growth potential. Set on a generous lot with convenient lane access, the property features a well-maintained 3-bedroom main residence plus a detached 1-bedroom suite with a single-car garage. The main home has undergone significant updates and offers comfortable, move-in-ready living with a functional layout, abundant natural light, and inviting outdoor space perfect for gardening, entertaining, or future expansion. The detached suite has also seen substantial improvements, including fresh paint. Whether you’re looking to live, rent, hold as an investment property, or explore redevelopment opportunities under Kelowna’s evolving zoning guidelines, this property checks every box. Central location. Income potential. Future flexibility. A great opportunity in the heart of Kelowna. (id:63159)

Values & Trends

This listing

$751/sqft

Building average

No other active listings in this building

Kelowna North average

$747/sqft

28 active listing(s)

Parking: 4 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

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.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

41

8/9 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
The Balsam School(Independent)Elementary769 m
Bankhead ElementaryElementary825 m
Central School ProgramsK-12919 m
Central SecondarySecondary919 m
St Joseph Elementary School(Independent)Elementary1.1 km
A S Matheson ElementaryElementary1.5 km
Glenmore ElementaryElementary2.1 km
Raymer ElementaryElementary2.7 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 (5+)

  • motherlove ferments · 889 Vaughan Avenue586 m
  • Mekong Fresh Asian Cuisine · 1030 Harvey Avenue616 m
  • Kinton Ramen705 m
  • Swan Pizza720 m
  • Naked Cafe · 571 Lawrence Avenue743 m

Cafes (5+)

  • Continental Breakfast642 m
  • Craft 42 Roasters · 1178 High Road669 m
  • Tackle Box Coffee Bar677 m
  • The Nook Cafe + Bar · 567 Bernard Avenue693 m
  • Blend Bites Kelowna694 m

Grocery (3)

  • Nester's Market · 1111 Lawson Avenue474 m
  • Safeway · 697 Bernard Avenue627 m
  • GetintheLoop Grocery · 1353 Ellis Street780 m

Parks (2)

  • Martin Park129 m
  • Knowles Heritage Park366 m

Shopping (1)

  • The Core on Ellis · 1353 Ellis Street776 m

Gyms (1)

  • Move & Flow · 589 Lawrence Avenue711 m

Pharmacies (3)

  • Paragon Pharmacy531 m
  • Shoppers Drug Mart · 597 Bernard Avenue648 m
  • Pharmasave · 505 Doyle Avenue783 m

Banks & ATMs (2)

  • Beem Credit Union · 598 Bernard Avenue647 m
  • Canadian Western Bank785 m

Nearby places data: © OpenStreetMap contributors.

School district: Central Okanagan (SD23)

Mortgage & Ownership Cost Calculator

Minimum required: 7.3% ($67,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$743,200.00
Periodic payment — Principal & Interest (monthly)$4,794.87
Additional monthly expenses (strata, tax, utilities, etc.)$400.01
Total monthly cost$5,194.89
Interest paid over 5-yr term$213,003.26
Balance at end of term$668,510.80

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$67,900
Stress test qualifying rate8.09%
Payment you must qualify for$6,621.56

Cash Needed at Closing

Minimum down payment$67,900
Estimated BC PTT$16,580
Legal / closing costs (typical estimate)$1,500
Total cash needed$85,980

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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