Property Type: Detached HouseOwnership: Freehold

363 Providence Avenue

Kelowna, BC V1W4Y7

$1,099,000

6 bed4 bath6 parking3,015 sqftBuilt 2003
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Property Details

Property & Lot

Sub-type
House
Stories
3
Lot size
0.16 acres
Frontage
35 feet

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,950

Interior

Basement
Full
Heating
Forced air, See remarks
Cooling / A/C
Central air conditioning
Fireplace
Yes (2)
Fireplace type
Gas, Unknown
Flooring
Laminate, Carpeted

Exterior & Lot

Exterior features
Other
View
Mountain view, View (panoramic)

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
6 — covered indicated
Features
Attached Garage, Additional Parking

Restrictions & Policies

Rentals
Allowed

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

Room Dimensions

RoomLevelDimensions
BedroomSecond level10'3'' x 10'11''
BedroomSecond level10'2'' x 10'11''
Dining nookSecond level10'11'' x 13'8''
Laundry roomMain level6'5'' x 8'5''
BedroomMain level10'5'' x 10'5''
5pc Ensuite bathMain level
4pc BathroomMain level
Primary BedroomMain level13'1'' x 14'2''
Dining roomMain level13'6'' x 7'2''
KitchenMain level18'1'' x 10'7''
Living roomMain level19'10'' x 15'7''
Laundry roomBasement11'9'' x 6'0''
BedroomBasement11'7'' x 9'7''
4pc BathroomBasement
Family roomBasement16'4'' x 17'5''
3pc Ensuite bathBasement
Primary BedroomBasement12'1'' x 13'2''
KitchenBasement17'9'' x 13'0''

Listing Information

MLS®
10392245
Listed
June 23, 2026
Time on market
On the market for 69 days
Data last synced
August 28, 2026

Listing provided by: Oakwyn Realty Okanagan-Letnick Estates · Data source: CREA DDF.

Description

Nestled in the heart of Kettle Valley, one of Kelowna’s most sought-after family communities, this exceptional home offers the perfect blend of space, flexibility, and lifestyle. Designed for growing or multi-generational families, the property features a bright and spacious four-bedroom main residence plus a beautifully appointed two-bedroom permitted in-law suite with its own private entrance. The sun-filled main level showcases an open-concept design centered around a generous kitchen with a large island, seamlessly connecting to the dining area and inviting living room with a cozy fireplace and access to a sun-drenched deck. The spacious primary retreat offers dual closets and a full ensuite with double vanities, while an additional bedroom or office and full bathroom complete the main floor. Upstairs, two more bedrooms & versatile loft nook create the ideal space for children, homework, or play. Situated on a corner lot, quiet laneway with an oversized garage and fully fenced yard, this home is just steps from Chute Lake Elementary, parks, trails, and Kettle Valley Village Centre, offering an unparalleled Okanagan lifestyle in a premier neighborhood. Newer exterior painting, synthetic lawn, updated interior paint and new patio pillars. Vacant and easy to show on short notice. You even have space to park a small RV or boat. (id:63159)

Values & Trends

This listing

$365/sqft

Building average

No other active listings in this building

Kettle Valley average

$484/sqft

32 active listing(s)

Parking: 6 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

19

2/9 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
Chute Lake ElementaryElementary537 m
Lakeside School Kelowna(Independent)Elementary3.0 km
Anne McClymont ElementaryElementary3.6 km
Okanagan Mission SecondaryElementary3.6 km
Canyon Falls Middle SchoolMiddle3.7 km
Bellevue Creek ElementaryElementary3.8 km
Dorothea Walker ElementaryElementary4.4 km
de l'Anse-au-sableK-125.3 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

Cafes (1)

  • KVC334 m

Parks (5+)

  • Winslow Park84 m
  • Providence Park129 m
  • Tulameen Park155 m
  • McCarren Park178 m
  • Main Street Park268 m

Nearby places data: © OpenStreetMap contributors.

School district: Central Okanagan (SD23)

Mortgage & Ownership Cost Calculator

Minimum required: 7.7% ($84,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$879,200.00
Periodic payment — Principal & Interest (monthly)$5,672.30
Additional monthly expenses (strata, tax, utilities, etc.)$563.50
Total monthly cost$6,235.80
Interest paid over 5-yr term$251,981.25
Balance at end of term$790,843.24

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$84,900
Stress test qualifying rate8.09%
Payment you must qualify for$7,798.07

Cash Needed at Closing

Minimum down payment$84,900
Estimated BC PTT$19,980
Legal / closing costs (typical estimate)$1,500
Total cash needed$106,380

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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