Property Type: DuplexOwnership: Strata

395 Chardonnay Avenue

Oliver, BC V0H1T4

$639,000

3 bed3.5 bath2 parking1,768 sqftBuilt 2025
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Property Details

Property & Lot

Sub-type
Duplex
Stories
2
Lot size
0.12 acres

Ownership & Fees

Property type
Duplex
Ownership
Strata
Strata / maintenance fee
$0/mo
Annual property tax
$3,600

Interior

Heating
Forced air, See remarks
Cooling / A/C
Central air conditioning, Heat Pump
Fireplace
None

Exterior & Lot

Exterior features
Other
View
Mountain view, Valley view, View (panoramic)

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
2 — covered indicated
Features
Attached Garage

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
FoyerMain level6'1'' x 10'6''
2pc BathroomMain level4'10'' x 5'1''
Laundry roomSecond level3'10'' x 5'2''
4pc BathroomSecond level5'1'' x 7'3''
DenSecond level11'5'' x 17'
BedroomSecond level11' x 11'3''
BedroomSecond level11'7'' x 11'8''
3pc Ensuite bathSecond level4'11'' x 8'10''
Primary BedroomSecond level11'8'' x 14'4''
Living roomMain level17'1'' x 17'6''
KitchenMain level11'7'' x 13'3''

Listing Information

MLS®
10393255
Listed
July 7, 2026
Time on market
On the market for 55 days
Data last synced
August 28, 2026

Listing provided by: RE/MAX Wine Capital Realty · Data source: CREA DDF.

Description

Luxury living for an affordable price located in the highly sought-after ""Wine Streets"" of Oliver. Only 2 blocks to Tucelnuit Lake! Quality built by award-winning Monument Developments. This BRAND-NEW, exquisitely crafted 3 BEDROOM + DEN, 2.5 BATH half-duplex defines contemporary elegance with 1768 sq ft of modern comfort & functionality. Only one shared wall! NO STRATA FEES! Main floor features a beautiful front entry with tasteful wall accents. Gourmet kitchen with high-end stainless steel appliances & gas range (all with 2-year warranty), quartz countertops, kitchen island, modern lighting & solid wood cabinetry. Beautifully designed living area with built-in wall accents & media space. A large wall of windows with DOUBLE SLIDERS connects you to a south-facing patio & inviting back yard, fully fenced for privacy & security, great for kids & pets. Upstairs you will find 3 spacious bedrooms, separate laundry space with full size washer/dryer and a 4-piece bath. There’s a large, open flex space that can be used as a reading nook, work or play area. The primary suite has a walk-in closet & 3-piece ensuite with large tiled walk-in shower. Completing this package is an attached single car garage with EV charging rough-in, landscaping, U/G irrigation & 10-year home warranty. FIRST-TIME HOMEBUYERS, you are GST EXEMPT! Excellent location near the lake, walking trails, golf & a multitude of outdoor activities. GST applicable. Book your private showing today! (id:63159)

Values & Trends

This listing

$361/sqft

Building average

No other active listings in this building

Oliver average

$375/sqft

8 active listing(s)

Parking: 2 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: Osoyoos

23°C

Humidity 43%

Wind S 7 km/h

Tonight

12°

Tuesday

27°

Tuesday night

15°

Wednesday

24°

Wednesday night

13°

Thursday

19°

Source: Environment and Climate Change Canada.

Population

5,094

(2021 Census)

+3.4% since 2016

Density: 927.9/km²

Dwellings: 2,445

Median household income: $68,500

After-tax: $62,400

Immigrant population: 18.9%

Top countries of origin (% of total population)

  • India5.4% · 275
  • United Kingdom2.4% · 120
  • United States of America1.3% · 65
  • Portugal1.2% · 60
  • Germany1.1% · 55
  • El Salvador0.9% · 45
  • Philippines0.8% · 40
  • Netherlands0.6% · 30

Source: Statistics Canada, 2021 Census of Population.

Nearby Schools

SchoolTypeDistance
Oliver ElementaryElementary1.8 km
Tuc-el-Nuit ElementaryElementary1.8 km
Southern Okanagan SecondarySecondary1.8 km
Southern Okanagan AltSecondary1.8 km
Senpaq'cin School(Independent)Elementary2.4 km
Cawston Primary SchoolElementary15.9 km
Okanagan Falls ElementaryElementary16.3 km
Osoyoos 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.

School district: Okanagan-Similkameen (SD53)

Mortgage & Ownership Cost Calculator

Minimum required: 6.1% ($38,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$511,200.00
Periodic payment — Principal & Interest (monthly)$3,298.09
Additional monthly expenses (strata, tax, utilities, etc.)$388.00
Total monthly cost$3,686.09
Interest paid over 5-yr term$146,511.39
Balance at end of term$459,826.05

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$38,900
Stress test qualifying rate8.09%
Payment you must qualify for$4,614.56

Cash Needed at Closing

Minimum down payment$38,900
Estimated BC PTT$10,780
Legal / closing costs (typical estimate)$1,500
Total cash needed$51,180

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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