Property Type: Condo / ApartmentOwnership: Strata

1777 Water Street Unit# 104

Kelowna, BC V1Y1K4

$319,000

1 bed1 bath1 parking652 sqftBuilt 1967
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Property Details

Property & Lot

Sub-type
Apartment
Stories
1

Ownership & Fees

Property type
Condo / Apartment
Ownership
Strata
Strata / maintenance fee
$303/mo
Annual property tax
$1,318.76

Interior

Heating
Baseboard heaters, Electric, See remarks
Cooling / A/C
Wall unit
Fireplace
None

Exterior & Lot

Exterior features
Wood, Stucco

Building

Water source
Municipal water
Sewer
Municipal sewage system
Parcel ID (PID)
028-644-638

Parking

Total spaces
1 — uncovered indicated
Features
Stall, Street

Room Dimensions

RoomLevelDimensions
Living roomMain level8'7'' x 12'
KitchenMain level8'10'' x 12'10''
Dining roomMain level8'1'' x 12'4''
Primary BedroomMain level16'2'' x 9'4''
4pc BathroomMain level4'9'' x 8'

Listing Information

MLS®
10394234
Listed
July 9, 2026
Time on market
On the market for 53 days
Data last synced
August 31, 2026

Listing provided by: Royal LePage Kelowna · Data source: CREA DDF.

Description

Turn-key and move-in ready, this beautifully updated 1-bedroom, 1-bath condo offers incredible value in one of Kelowna's most sought-after downtown locations. With 652 sq. ft. of thoughtfully designed living space, this home features an open-concept layout with a spacious kitchen complete with stainless steel appliances, pantry, island sink, and seamless flow into the living area. Recent updates include new laminate flooring, new bedroom carpet, a brand-new washer/dryer combo, new hot water tank, and fresh interior finishes, making this home truly ready to enjoy. Situated on the quiet side of the building, the private covered deck provides the perfect place to relax or BBQ. The building itself was comprehensively redeveloped in 2010 and recently refreshed with modern stucco and attractive wood soffits, offering excellent curb appeal. Additional features include secure parking, a storage locker, bike storage, and air conditioning. Step outside and enjoy the ultimate downtown lifestyle with beaches, the waterfront boardwalk, Bernard Avenue, restaurants, cafes, shopping, the yacht club, Prospera Place, and transit all just a short walk away. Pet-friendly and rental-friendly (monthly rentals permitted), this property is an excellent opportunity for first-time buyers, professionals, investors, or anyone looking for a lock-and-leave lifestyle in the heart of Kelowna. (id:63159)

Values & Trends

This listing

$489/sqft

Building average

No other active listings in this building

Kelowna South average

$624/sqft

53 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

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

48

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

SchoolTypeDistance
Central SecondarySecondary681 m
Central School ProgramsK-12681 m
St Joseph Elementary School(Independent)Elementary867 m
The Balsam School(Independent)Elementary1.1 km
A S Matheson ElementaryElementary1.5 km
Raymer ElementaryElementary2.0 km
Bankhead ElementaryElementary2.1 km
Kelowna SecondarySecondary2.4 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 (5+)

  • Tamm Mexican Restaurant · 430 Harvey Avenue213 m
  • West Coast Grill & Oyster Bar282 m
  • Pilgrim & Pearl283 m
  • Yamas Greek Taverna · 1630 Ellis Street343 m
  • Boston Pizza · 545 Harvey Avenue358 m

Cafes (5+)

  • O-Lake Cafe & Bistro348 m
  • Pulp Fiction Coffee House · 1598 Pandosy Street376 m
  • Starbucks429 m
  • Deville Coffee Bernard443 m
  • Blenz Coffee · 297 Bernard Avenue444 m

Grocery (1)

  • Safeway · 697 Bernard Avenue624 m

Parks (5+)

  • Rowcliffe Park · 1850 Richter Street454 m
  • Vimy Avenue Beach Access457 m
  • City Park458 m
  • Beach Avenue Beach Access469 m
  • McTavish Avenue Beach Access470 m

Gyms (4)

  • BarreRoom · 410 Bernard Avenue491 m
  • SPIN co · 410 Bernard Avenue492 m
  • Move & Flow · 589 Lawrence Avenue541 m
  • Life Aesthetics Online Coaching · 1435 Water Street658 m

Pharmacies (3)

  • Pharmasave246 m
  • Shoppers Drug Mart · 597 Bernard Avenue616 m
  • Pharmasave · 505 Doyle Avenue748 m

Banks & ATMs (5+)

  • RBC Royal Bank316 m
  • TD · 1633 Ellis Street364 m
  • Canadian Western Bank475 m
  • Unnamed484 m
  • Unnamed486 m

Nearby places data: © OpenStreetMap contributors.

School district: Central Okanagan (SD23)

Mortgage & Ownership Cost Calculator

Minimum required: 5.0% ($15,950) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$255,200.00
Periodic payment — Principal & Interest (monthly)$1,646.46
Additional monthly expenses (strata, tax, utilities, etc.)$446.24
Total monthly cost$2,092.70
Interest paid over 5-yr term$73,141.05
Balance at end of term$229,553.23

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$15,950
Stress test qualifying rate8.09%
Payment you must qualify for$2,330.35

Cash Needed at Closing

Minimum down payment$15,950
Estimated BC PTT$4,380
Legal / closing costs (typical estimate)$1,500
Total cash needed$21,830

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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