Property Type: Condo / ApartmentOwnership: Strata

1450 Bertram Street Unit# 319

Kelowna, BC V1Y8R9

$350,000

2 bed2 bath1 parking961 sqftBuilt 1985
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Property Details

Property & Lot

Sub-type
Apartment
Stories
1

Ownership & Fees

Property type
Condo / Apartment
Ownership
Strata
Annual property tax
$0

Interior

Heating
Baseboard heaters, Electric
Cooling / A/C
Window air conditioner, Wall unit
Fireplace
None

Parking

Total spaces
1 — uncovered indicated
Features
Underground, Parkade, Stall

Restrictions & Policies

Pets
Not allowed
Rentals
Not allowed
Age / occupancy
Seniors-oriented community

As reported by the listing board — always confirm current bylaws with the strata or landlord before relying on this.

Room Dimensions

RoomLevelDimensions
SunroomMain level12'0'' x 7'6''
3pc Ensuite bathMain level5'2'' x 5'6''
Primary BedroomMain level12'3'' x 11'5''
BedroomMain level12'3'' x 8'6''
Living roomMain level20'8'' x 11'10''
4pc BathroomMain level7'11'' x 4'11''
Laundry roomMain level7'11'' x 6'1''
KitchenMain level8'7'' x 8'0''
Dining roomMain level9'6'' x 9'1''

Listing Information

MLS®
10392554
Listed
July 7, 2026
Time on market
On the market for 55 days
Data last synced
August 28, 2026

Listing provided by: CIR Realty · Data source: CREA DDF.

Description

Affordable downtown living in the heart of Kelowna! This bright and well-maintained home is located in the desirable Carmel Courts Housing Co-operative, a quiet 50+ community within walking distance of shopping, restaurants, parks and the waterfront. Spacious layout with abundant natural light and plenty of storage. Monthly housing charges include building maintenance and management, property insurance, water, heat, electricity, taxes and cable/internet. No rentals and no pets!. Board approval is required for membership. An excellent opportunity for those seeking an affordable, community-oriented lifestyle in a prime downtown location. (id:63159)

Values & Trends

This listing

$364/sqft

Building average

No other active listings in this building

Kelowna North average

$700/sqft

157 active listing(s)

Parking: 1 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

74

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)Elementary466 m
Central SecondarySecondary776 m
Central School ProgramsK-12776 m
St Joseph Elementary School(Independent)Elementary1.0 km
Bankhead ElementaryElementary1.4 km
A S Matheson ElementaryElementary1.6 km
Raymer ElementaryElementary2.5 km
Glenmore 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+)

  • Kinton Ramen156 m
  • Soban Korean Bistro · 530 Bernard Avenue200 m
  • The Curious café · 1423 Ellis Street212 m
  • Bohemian Cafe & Catering Co. · 524 Bernard Avenue213 m
  • Dosa Crepe Café · 523 Bernard Avenue233 m

Cafes (5+)

  • Blend Bites Kelowna91 m
  • Catelowna · 1441 Ellis Street183 m
  • The Nook Cafe + Bar · 567 Bernard Avenue184 m
  • Mad Mango Café · 551 Bernard Avenue198 m
  • Chilango · 520 Bernard Avenue223 m

Grocery (2)

  • Safeway · 697 Bernard Avenue259 m
  • GetintheLoop Grocery · 1353 Ellis Street303 m

Parks (5+)

  • Stuart Park486 m
  • Knowles Heritage Park564 m
  • Kerry Park591 m
  • Rowcliffe Park · 1850 Richter Street692 m
  • Martin Park698 m

Shopping (1)

  • The Core on Ellis · 1353 Ellis Street309 m

Gyms (4)

  • Move & Flow · 589 Lawrence Avenue286 m
  • SPIN co · 410 Bernard Avenue323 m
  • BarreRoom · 410 Bernard Avenue325 m
  • Life Aesthetics Online Coaching · 1435 Water Street367 m

Pharmacies (3)

  • Shoppers Drug Mart · 597 Bernard Avenue185 m
  • Pharmasave · 505 Doyle Avenue208 m
  • Pharmasave533 m

Banks & ATMs (5+)

  • Beem Credit Union · 598 Bernard Avenue148 m
  • First West Credit Union · 507 Bernard Avenue261 m
  • Scotiabank · 488 Bernard Avenue267 m
  • Unnamed359 m
  • TD · 1633 Ellis Street379 m

Nearby places data: © OpenStreetMap contributors.

School district: Central Okanagan (SD23)

Mortgage & Ownership Cost Calculator

Minimum required: 5.0% ($17,500) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$280,000.00
Periodic payment — Principal & Interest (monthly)$1,806.46
Additional monthly expenses (strata, tax, utilities, etc.)$48.00
Total monthly cost$1,854.46
Interest paid over 5-yr term$80,248.80
Balance at end of term$251,860.91

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$17,500
Stress test qualifying rate8.09%
Payment you must qualify for$2,556.81

Cash Needed at Closing

Minimum down payment$17,500
Estimated BC PTT$5,000
Legal / closing costs (typical estimate)$1,500
Total cash needed$24,000

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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