Property Type: Detached HouseOwnership: Freehold

3004 38 Street

Vernon, BC V1T6H6

$499,900

3 bed2 bath1 parking1,708 sqftBuilt 1958
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
0.11 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$2,684

Interior

Basement
Partial
Heating
Forced air, See remarks
Cooling / A/C
Central air conditioning
Fireplace
None
Flooring
Laminate, Vinyl

Exterior & Lot

Exterior features
Vinyl siding

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
1 — covered indicated
Features
Detached Garage

Room Dimensions

RoomLevelDimensions
Family roomBasement17'3'' x 7'9''
OtherBasement6'9'' x 3'9''
Laundry roomMain level7'3'' x 6'5''
BedroomBasement15'11'' x 10'6''
5pc BathroomBasement9'2''
Full bathroomMain level7'3'' x 6'3''
BedroomMain level8'2'' x 8'7''
Primary BedroomMain level12'3'' x 8'9''
Dining roomMain level13' x 7'7''
KitchenMain level9'11'' x 9'2''
Living roomMain level16'5'' x 12'3''

Listing Information

MLS®
10397419
Listed
August 17, 2026
Time on market
On the market for 14 days
Data last synced
August 28, 2026

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

Description

A cozy 3-bedroom, 2-bathroom character home in a terrific, quiet location. This property is an excellent opportunity for a first-time homebuyer, investor, or anyone looking for a great alternative to condo living. The well-designed floor plan features a spacious living room and a dining area just off the kitchen. Outside, you’ll find a fully fenced backyard with a garden area, plus a detached garage/workshop with convenient lane access. Centrally located close to parks, schools, shopping, and transit, with downtown just a short walk away. A charming home with plenty of potential in a fantastic location! (id:63159)

Values & Trends

This listing

$293/sqft

Building average

No other active listings in this building

City of Vernon average

$388/sqft

22 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

16°C

Humidity 69%

Wind ESE 14 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

33

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
Alexis Park ElementaryElementary1.1 km
Mission Hill ElementaryElementary1.2 km
St James(Independent)Elementary1.4 km
Ecole Beairsto ElementaryElementary1.4 km
W.L. Seaton SecondarySecondary1.6 km
Harwood ElementaryElementary2.4 km
Clarence Fulton SecondaryElementary2.4 km
Vernon SecondaryElementary2.5 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 (3)

  • The Sprouted Fig · 3407 30th Ave612 m
  • Masiero Pizzeria Napoletana · 3301 30 Avenue723 m
  • Rosalinda's All Day Breakfast785 m

Cafes (2)

  • Triumph Coffee · 3401a 30 Avenue628 m
  • Mug & Muffin · 2801B 34 Street723 m

Grocery (3)

  • FreshCo486 m
  • Simply Market509 m
  • Canadian Wholesale Club795 m

Parks (5+)

  • Pioneer Park329 m
  • Unnamed440 m
  • Linear Park514 m
  • Linear Park530 m
  • Hidden Park · 3412 33 Avenue553 m

Shopping (4)

  • Unnamed508 m
  • Unnamed549 m
  • Unnamed592 m
  • Pinnacle General Surgery Clinic617 m

Pharmacies (1)

  • Shoppers Drug Mart551 m

Banks & ATMs (1)

  • Scotiabank796 m

Nearby places data: © OpenStreetMap contributors.

School district: Vernon (SD22)

Mortgage & Ownership Cost Calculator

Minimum required: 5.0% ($24,995) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$399,920.00
Periodic payment — Principal & Interest (monthly)$2,580.15
Additional monthly expenses (strata, tax, utilities, etc.)$308.67
Total monthly cost$2,888.81
Interest paid over 5-yr term$114,618.22
Balance at end of term$359,729.33

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$24,995
Stress test qualifying rate8.09%
Payment you must qualify for$3,651.85

Cash Needed at Closing

Minimum down payment$24,995
Estimated BC PTT$7,998
Legal / closing costs (typical estimate)$1,500
Total cash needed$34,493

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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