Property Type: Detached HouseOwnership: Freehold

1607 45 Street

Vernon, BC V1T7P9

$569,500

4 bed2 bath3 parking1,760 sqftBuilt 1975
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
0.16 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$2,978.8

Interior

Heating
Baseboard heaters
Cooling / A/C
Window air conditioner, Wall unit
Fireplace
Yes (2)
Fireplace type
Free Standing Metal, Insert

Exterior & Lot

Exterior features
Aluminum

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
3

Room Dimensions

RoomLevelDimensions
BedroomSecond level10'6'' x 10'6''
BedroomSecond level12'0'' x 10'6''
BedroomSecond level10'8'' x 10'6''
4pc BathroomSecond level10'6'' x 6'0''
Family roomMain level25'5'' x 10'6''
Primary BedroomMain level12'9'' x 10'6''
3pc BathroomMain level10'6'' x 6'0''
KitchenMain level13'0'' x 9'9''
Dining roomMain level18'0'' x 9'9''
Living roomMain level18'0'' x 12'9''
FoyerMain level8'0'' x 6'2''

Listing Information

MLS®
10394782
Listed
July 15, 2026
Time on market
On the market for 48 days
Data last synced
August 28, 2026

Listing provided by: 3 Percent Realty Inc. · Data source: CREA DDF.

Description

Discover this family-friendly four-bedroom, two-bathroom home on a quiet street in South Vernon. The main floor features an open-concept kitchen, dining and livingroom with a gas fireplace. The main floor also includes a bedroom, a combined three-piece bathroom with laundry, and a spacious family room with a freestanding gas fireplace, plus you have access to a covered patio and a fully usable, flat backyard. Upstairs, you’ll find three additional bedrooms and a full four-piece bathroom. This functional layout and great use of space make it an excellent fit for a growing family. Just a few minutes away you have Fulton, and Ellison Schools, and Okanagan Lake, Marshall Fields, and other parks are all in the area! Book your showing today! (id:63159)

Values & Trends

This listing

$324/sqft

Building average

No other active listings in this building

South Vernon average

$451/sqft

2 active listing(s)

Parking: 3 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

18°C

Humidity 66%

Wind ESE 16 km/h

Tonight

11°

Tuesday

27°

Tuesday night

14°

Wednesday

24°

Wednesday night

13°

Thursday

19°

Source: Environment and Climate Change Canada.

Population

44,519

(2021 Census)

+11% since 2016

Density: 461.7/km²

Dwellings: 21,287

Median household income: $73,500

After-tax: $66,500

Immigrant population: 12.4%

Top countries of origin (% of total population)

  • United Kingdom2.3% · 1,030
  • Germany1.2% · 550
  • United States of America1% · 450
  • India0.8% · 355
  • Philippines0.7% · 315
  • Netherlands0.6% · 270
  • Poland0.3% · 150
  • South Africa, Republic of0.3% · 125

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

37

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
Clarence Fulton SecondaryElementary711 m
Ellison ElementaryElementary871 m
Mission Hill ElementaryElementary1.5 km
St James(Independent)Elementary2.7 km
Alexis Park ElementaryElementary2.8 km
Ecole Beairsto ElementaryElementary3.0 km
W.L. Seaton SecondarySecondary3.3 km
Okanagan Landing ElementaryElementary3.4 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)

  • Lynn's Vietnamese355 m

Cafes (1)

  • Tim Hortons265 m

Grocery (2)

  • Buy Low Foods359 m
  • Okanagan Landing Plaza366 m

Parks (3)

  • Unnamed333 m
  • Heritage Park628 m
  • Grahame Park644 m

Gyms (1)

  • Unnamed344 m

Nearby places data: © OpenStreetMap contributors.

School district: Vernon (SD22)

Mortgage & Ownership Cost Calculator

Minimum required: 5.6% ($31,950) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$455,600.00
Periodic payment — Principal & Interest (monthly)$2,939.38
Additional monthly expenses (strata, tax, utilities, etc.)$336.23
Total monthly cost$3,275.61
Interest paid over 5-yr term$130,576.27
Balance at end of term$409,813.67

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$31,950
Stress test qualifying rate8.09%
Payment you must qualify for$4,133.57

Cash Needed at Closing

Minimum down payment$31,950
Estimated BC PTT$9,390
Legal / closing costs (typical estimate)$1,500
Total cash needed$42,840

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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