Property Type: Detached HouseOwnership: Freehold

36 Spruce Drive

Vernon, BC V1H2B9

$749,900

3 bed3 bath4 parking2,256 sqftBuilt 2023
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
0.23 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$2,842.19

Interior

Heating
Heat Pump, Forced air
Cooling / A/C
Central air conditioning, Heat Pump
Fireplace
Yes (1)
Fireplace type
Unknown, Decorative
Flooring
Vinyl

Exterior & Lot

View
City view, Lake view, Mountain view, View (panoramic)

Building

Roof
Metal, Unknown

Parking

Total spaces
4 — uncovered indicated
Features
Rear

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
StorageBasement21'0'' x 9'3''
FoyerMain level7'10'' x 13'5''
4pc BathroomMain level8'5'' x 5'3''
KitchenMain level9'7'' x 19'7''
Dining roomMain level15'5'' x 8'5''
Living roomMain level15'5'' x 14'7''
Primary BedroomMain level12'7'' x 10'5''
4pc Ensuite bathMain level11'4'' x 6'4''
BedroomMain level8'8'' x 10'6''
BedroomBasement8'5'' x 9'4''
Recreation roomBasement14'6'' x 9'0''
KitchenBasement15'2'' x 14'10''
4pc BathroomBasement10'6'' x 5'3''
Laundry roomBasement5'11'' x 11'2''

Listing Information

MLS®
10392282
Listed
June 23, 2026
Time on market
On the market for 69 days
Data last synced
August 28, 2026

Listing provided by: RE/MAX Vernon Salt Fowler · Data source: CREA DDF.

Description

Modern Walkout Rancher with Lake Views & Exceptional Value Built in 2021 and offering over 2,300 sq ft of finished living space, this modern walkout rancher delivers exceptional value with lake views, flexible living space, and a price point that is increasingly difficult to find in today's Okanagan market. Located on a quiet cul-de-sac in the scenic Fintry community, this thoughtfully designed home combines modern construction with a functional layout ideal for families, retirees, or buyers seeking additional space for guests, hobbies, or future income potential. The bright and open main floor features durable vinyl flooring, large windows that capture the surrounding lake and mountain views, and a spacious living room centered around an electric fireplace. The adjoining kitchen offers abundant cabinetry, modern appliances, and a practical layout that flows seamlessly into the dining area. The primary suite includes a full ensuite bathroom and walk-in closet. A second bedroom, additional full bathroom, and dedicated office complete the main level. The fully finished walkout lower level offers incredible flexibility with a large recreation area, additional full bathroom, utility and storage space, and a spacious flex room with separate access. (id:63159)

Values & Trends

This listing

$332/sqft

Building average

No other active listings in this building

Fintry average

$528/sqft

30 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

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.

Nearby Schools

SchoolTypeDistance
Okanagan Landing ElementaryElementary9.1 km
Ellison ElementaryElementary11.5 km
Clarence Fulton SecondaryElementary11.8 km
Oyama Traditional SchoolElementary13.6 km
Mission Hill ElementaryElementary13.8 km
Kidston ElementaryElementary14.9 km
Alexis Park ElementaryElementary14.9 km
St James(Independent)Elementary15.1 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: Central Okanagan (SD23)

Mortgage & Ownership Cost Calculator

Minimum required: 6.7% ($49,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$599,920.00
Periodic payment — Principal & Interest (monthly)$3,870.48
Additional monthly expenses (strata, tax, utilities, etc.)$349.85
Total monthly cost$4,220.33
Interest paid over 5-yr term$171,938.80
Balance at end of term$539,629.98

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$49,990
Stress test qualifying rate8.09%
Payment you must qualify for$5,382.06

Cash Needed at Closing

Minimum down payment$49,990
Estimated BC PTT$12,998
Legal / closing costs (typical estimate)$1,500
Total cash needed$64,488

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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