Property Type: Detached HouseOwnership: Freehold

22 Pemberton Road

Lumby, BC V0E2G7

$673,000

3 bed2 bath4 parking1,512 sqftBuilt 1994
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
0.43 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$2,384

Interior

Heating
Baseboard heaters, Stove, Wood
Fireplace
Yes (1)
Fireplace type
Free Standing Metal

Exterior & Lot

Exterior features
Other
View
Mountain view, Valley view

Building

Roof
Metal, Unknown

Parking

Total spaces
4 — covered indicated
Features
Detached Garage, Oversize

Restrictions & Policies

Pets
Allowed
Rentals
Allowed

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

Room Dimensions

RoomLevelDimensions
Laundry roomBasement10'0'' x 10'0''
Full bathroomMain level4'11'' x 9'6''
BedroomMain level9'7'' x 9'7''
BedroomMain level10'3'' x 12'9''
Full ensuite bathroomMain level8'0'' x 10'8''
Primary BedroomMain level12'9'' x 13'3''
Living roomMain level16'1'' x 18'9''
FoyerMain level6'8'' x 9'8''
Dining roomMain level8'8'' x 11'10''
KitchenMain level10'0'' x 15'11''

Listing Information

MLS®
10395309
Listed
July 23, 2026
Time on market
On the market for 39 days
Data last synced
August 28, 2026

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

Description

Come enjoy the semi-rural lifestyle with this 3 bed / 2 full bath home on a .43 acre lot in desirable Whitevale. Completely renovated in 2022 this modular home was rebuilt from the studs up with a large open Kitchen, Dining and Living room with vaulted ceiling. Flooring has quality Laminate and tile throughout the home. The Primary Bedroom has a full ensuite bath with double sink vanity plus a 8'x5' Walk-in Closet. The other 2 bedrooms are on this main floor along with another full bath. The basement is open and unfinished waiting for your finishing ideas. Heating is via baseboard heaters and a freestanding WETT certified wood stove in the basement, natural gas is located at the property boundary if you so desire. Outside is where you will find the bright new 24' x 24' Shop with 12' ceiling and 2 x 10' roll up doors, perfect for automotive or woodworking enthusiast. The ample sized back yard of the home is fenced for pets along with a 12' x 27' Deck to sit and enjoy those beautiful sunsets over the farmland to the west. The lot is situated on a corner of a no-through road allowing for extra parking and back yard access. Home is powered by 200 amp service, Shop 100 amps with water delivered by a reliable drilled well. (id:63159)

Values & Trends

This listing

$445/sqft

Building average

No other active listings in this building

Lumby Valley average

$475/sqft

46 active listing(s)

Parking: 4 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

16°C

Humidity 68%

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.

Nearby Schools

SchoolTypeDistance
Okanagan Waldorf School(Independent)Elementary1.7 km
Crossroads Learning CentreSecondary4.2 km
Charles Bloom SecondaryK-124.3 km
J W Inglis ElementaryElementary4.5 km
Lavington ElementaryElementary7.1 km
Coldstream ElementaryElementary16.1 km
Hillview ElementaryElementary16.9 km
B X ElementaryElementary17.1 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.

School district: Vernon (SD22)

Mortgage & Ownership Cost Calculator

Minimum required: 6.3% ($42,300) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$538,400.00
Periodic payment — Principal & Interest (monthly)$3,473.57
Additional monthly expenses (strata, tax, utilities, etc.)$274.67
Total monthly cost$3,748.24
Interest paid over 5-yr term$154,306.99
Balance at end of term$484,292.54

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$42,300
Stress test qualifying rate8.09%
Payment you must qualify for$4,849.86

Cash Needed at Closing

Minimum down payment$42,300
Estimated BC PTT$11,460
Legal / closing costs (typical estimate)$1,500
Total cash needed$55,260

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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