Property Type: DuplexOwnership: Freehold

145 Gibbs Road E

Kelowna, BC V1X2V8

$639,000

3 bed2 bath1,736 sqftBuilt 1970
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Property Details

Property & Lot

Sub-type
Duplex
Stories
1
Lot size
0.11 acres

Ownership & Fees

Property type
Duplex
Ownership
Freehold
Strata / maintenance fee
$0/mo
Annual property tax
$2,947.49

Interior

Heating
Forced air
Fireplace
None

Building

Water source
Municipal water
Sewer
Municipal sewage system
Parcel ID (PID)
027-255-824

Parking

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

RoomLevelDimensions
Family roomLower level13'8'' x 12'3''
3pc BathroomLower level
4pc BathroomMain level
BedroomMain level12' x 9'
BedroomMain level12'7'' x 11'9''
Primary BedroomLower level18'2'' x 15'5''
Living roomMain level12'8'' x 12'2''
KitchenMain level14'10'' x 14'5''

Listing Information

MLS®
10394291
Listed
July 16, 2026
Time on market
On the market for 46 days
Data last synced
August 29, 2026

Listing provided by: Century 21 Assurance Realty Ltd · Data source: CREA DDF.

Description

This beautifully updated half duplex offers a rare opportunity to purchase a home that has never before been available on the open market. A true townhouse alternative without the strata fees or restrictions. This opportunity offers the freedom of homeownership with 1736 sq ft of living space, a private covered deck, fully fenced yard, and numerous updates. Ideal for first time home buyers looking to get into the market at an affordable price without needing to do renovations. On the main floor, you'll walk into a beautifully updated, bright and airy space with white oak railings, 2 spacious bedrooms, & an updated main bathroom. The kitchen was renovated in 2024 and features a quartz peninsula with seating area, ample storage, undermount sink, ss appliances & sliding glass doors leading out the the large covered deck. On the lower level, you'll find a second living room along with the primary bedroom, walk-in closet, newly updated bathroom, and laundry. There is a walk-out entry leading to the backyard, storage, and stairs leading up to the deck. You can cross these 2 'big ticket' items off the list as there is a Navien system(hot water on demand), & the roof was done in 2017. Conveniently located close to schools, parks, recreation, shopping, transit, & everyday amenities. An affordable entry into homeownership with the freedom and flexibility that only a property like this can offer. Reach out today to book your own private showing! (id:63159)

Values & Trends

This listing

$368/sqft

Building average

No other active listings in this building

Rutland North average

$390/sqft

8 active listing(s)

Parking: Not indicatedStorage 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

37

6/9 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
South Rutland ElementaryElementary259 m
Rutland Senior SecondaryElementary850 m
Rutland Middle SchoolMiddle1.0 km
Belgo Elementary SchoolElementary1.0 km
Rutland ElementaryElementary1.1 km
Pearson Road ElementaryElementary1.7 km
Quigley ElementaryElementary1.8 km
Flex Academy(Independent)K-121.8 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 (4)

  • Memphis Blues420 m
  • Alcatraz Chicken · 225 Rutland Road South503 m
  • Fusion Food Lounge509 m
  • Vancouver Pizza Kitchen · 225 Rutland Road South518 m

Cafes (2)

  • Starbucks424 m
  • Dosa Crepe Cafe · Gray Road512 m

Grocery (1)

  • Save-On-Foods662 m

Parks (5+)

  • Brighton Park368 m
  • Briarwood Park534 m
  • Mugford Park585 m
  • Rutland Centennial Park602 m
  • Roxby Square693 m

Pharmacies (1)

  • The Local Pharmacy · 225 Rutland Road South514 m

Banks & ATMs (4)

  • Basha Donair - Bitcoin Well ATM · 135 Rutland Road North423 m
  • Interior Savings478 m
  • First West Credit Union · 110 Highway 33 West499 m
  • TD734 m

Nearby places data: © OpenStreetMap contributors.

School district: Central Okanagan (SD23)

Mortgage & Ownership Cost Calculator

Minimum required: 6.1% ($38,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$511,200.00
Periodic payment — Principal & Interest (monthly)$3,298.09
Additional monthly expenses (strata, tax, utilities, etc.)$332.62
Total monthly cost$3,630.71
Interest paid over 5-yr term$146,511.39
Balance at end of term$459,826.05

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$38,900
Stress test qualifying rate8.09%
Payment you must qualify for$4,614.56

Cash Needed at Closing

Minimum down payment$38,900
Estimated BC PTT$10,780
Legal / closing costs (typical estimate)$1,500
Total cash needed$51,180

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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