Property Type: Detached HouseOwnership: Freehold

1851 Miller Street

Lumby, BC V0E2G0

$1,690,000

3 bed2 bath3 parking4,809 sqftBuilt 1942
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Property Details

Property & Lot

Sub-type
House
Stories
3
Lot size
2.29 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$6,007.32

Interior

Heating
Stove, Forced air, See remarks, Wood
Fireplace
Yes (3)
Fireplace type
Free Standing Metal, Insert
Flooring
Hardwood

Exterior & Lot

Exterior features
Stucco
View
Mountain view
Pool
Pool, Inground pool, Outdoor pool

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
3 — covered indicated
Features
Detached Garage, Carport, Covered, Breezeway, RV, Oversize, Additional Parking

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
OtherSecondary Dwelling Unit12'2'' x 21'4''
OtherSecondary Dwelling Unit23'1'' x 13'10''
Partial bathroomSecondary Dwelling Unit5'11'' x 7'1''
OtherSecond level12'6'' x 7'10''
StorageBasement11'2'' x 18'6''
OtherBasement11'10'' x 6'1''
OtherBasement15'8'' x 10'3''
StorageBasement7'11'' x 10'0''
Family roomBasement19'2'' x 30'0''
Full bathroomSecond level8'1'' x 10'7''
OtherSecond level6'11'' x 3'4''
Primary BedroomSecond level15'5'' x 15'7''
BedroomSecond level13'7'' x 15'8''
BedroomSecond level13'4'' x 15'9''
OfficeSecond level10'8'' x 9'0''
OfficeMain level11'4'' x 7'5''
Family roomMain level11'4'' x 13'10''
4pc BathroomMain level15'8'' x 6'3''
KitchenMain level16'0'' x 17'5''
OtherMain level9'10'' x 27'1''
Dining roomMain level13'3'' x 15'8''
Living roomMain level19'5'' x 15'9''

Listing Information

MLS®
10394709
Listed
July 22, 2026
Time on market
On the market for 40 days
Data last synced
August 28, 2026

Listing provided by: Real Broker B.C. Ltd · Data source: CREA DDF.

Description

Rarely does a property like this become available! Nestled in the heart of Lumby, this hidden 2.2-acre gem offers the perfect combination of privacy, usable land, and incredible future potential. Tucked behind a gated entrance, this beautifully maintained property is a private oasis featuring a beautiful in ground pool, lush gardens, a peaceful pond, a large deer-fenced garden, and a charming orchard on a level, fully usable parcel just minutes from amenities. The property offers a spacious 3-bedroom home, a triple-car garage, a detached office building with a bathroom creating excellent potential for a guest or secondary suite, and a detached shop ideal for storage, hobbies, or a home-based business. Whether you're looking for room to grow, space for your toys, or multi-generational living, this property checks every box. Exceptional zoning adds tremendous value, allowing for major day cares, major group homes, multi-family dwellings, retirement housing, row housing, single-family cluster housing, and single-, two-, three-, and four-family dwellings. Enjoy the property as it is, hold for the future, develop when the time is right, or explore subdivision potential for family or investment. Offering privacy, versatility, and long-term value in a desirable in-town location, this exceptional Lumby property is ready to make your vision a reality. (id:63159)

Values & Trends

This listing

$351/sqft

Building average

No other active listings in this building

Lumby Valley average

$477/sqft

46 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

Nearest station: Vernon

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

2,063

(2021 Census)

+12.5% since 2016

Density: 347.9/km²

Dwellings: 861

Median household income: $77,000

After-tax: $70,500

Immigrant population: 9.2%

Top countries of origin (% of total population)

  • United Kingdom2.9% · 60
  • United States of America1.2% · 25
  • Netherlands0.5% · 10

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

52

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
Charles Bloom SecondaryK-1276 m
Crossroads Learning CentreSecondary137 m
J W Inglis ElementaryElementary562 m
Okanagan Waldorf School(Independent)Elementary5.9 km
Lavington ElementaryElementary10.3 km
B X ElementaryElementary19.0 km
Coldstream ElementaryElementary19.5 km
Hillview ElementaryElementary19.6 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+)

  • Yuki Sushi107 m
  • Ana's Pizza111 m
  • Millie's Kitchen144 m
  • Avenue Pizza241 m
  • Sisters Family Restaurant257 m

Cafes (2)

  • Tim Hortons217 m
  • Jitter Beans Coffee Shop275 m

Grocery (1)

  • Super A Foods409 m

Parks (3)

  • Unnamed158 m
  • Unnamed169 m
  • Oval Park211 m

Shopping (1)

  • Field's Mini Mart258 m

Banks & ATMs (1)

  • Scotiabank273 m

Nearby places data: © OpenStreetMap contributors.

School district: Vernon (SD22)

Mortgage & Ownership Cost Calculator

Minimum required: 20.0% ($338,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,352,000.00
Periodic payment — Principal & Interest (monthly)$8,722.65
Additional monthly expenses (strata, tax, utilities, etc.)$740.61
Total monthly cost$9,463.26
Interest paid over 5-yr term$387,487.09
Balance at end of term$1,216,128.37

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$338,000
Stress test qualifying rate8.09%
Payment you must qualify for$10,396.41

Cash Needed at Closing

Minimum down payment$338,000
Estimated BC PTT$31,800
Legal / closing costs (typical estimate)$1,500
Total cash needed$371,300

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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