Property Type: Detached HouseOwnership: Freehold

405 Kildare Way

Vernon, BC V1T2C7

$650,000

4 bed3.5 bath5 parking3,298 sqftBuilt 1976
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Property Details

Property & Lot

Sub-type
House
Stories
3
Lot size
0.63 acres
Frontage
127 feet

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$2,705

Interior

Basement
Full
Heating
Electric, See remarks, Other
Fireplace
Yes (2)
Fireplace type
Pellet, Unknown, Stove
Flooring
Laminate, Carpeted

Exterior & Lot

Exterior features
Wood siding
View
Lake view, Mountain view

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
5 — uncovered indicated
Features
RV, Additional Parking

Room Dimensions

RoomLevelDimensions
KitchenBasement16'9'' x 19'2''
Laundry roomMain level10' x 20'
3pc BathroomBasement
BedroomBasement9'0'' x 11'0''
BedroomBasement10'0'' x 13'0''
Family roomBasement18'0'' x 16'0''
5pc Ensuite bathSecond level
BedroomSecond level12'11'' x 19'3''
Primary BedroomSecond level12'5'' x 19'11''
Family roomMain level13'0'' x 14'0''
2pc BathroomMain level
KitchenMain level8'0'' x 17'0''
Dining roomMain level11'0'' x 12'6''
Living roomMain level14'4'' x 16'0''

Listing Information

MLS®
10387661
Listed
May 15, 2026
Time on market
On the market for 108 days
Data last synced
August 28, 2026

Listing provided by: Coldwell Banker Executives Realty · Data source: CREA DDF.

Description

Wonderful Character-filled home with High Ceiling & Windows plus Basement Suite (unauthorized), with Okanagan Lake views from covered deck & bedroom. . . Lots of easy accessible parking. . . Large sloped lot with loads of potential for the keen gardener. . . Two large bedrooms on Top Floor linked by Full Bath with double Vanities. . . Two bedrooms in basement Suite. . . Wrap around deck with covered area on lake side. . . Large Laundry / Mud Room with separate access for Main & Basement. . . Massive corner lot centrally ocated in Killiney Beach with easy access to Westside Road . . . Half bath on main floor, Full Bath in basement . . . Large accessory/storage building next to parking area. . NOTE: Measurements are approximate, please verify any that are important to you (id:63159)

Values & Trends

This listing

$197/sqft

Building average

No other active listings in this building

Okanagan North average

$300/sqft

41 active listing(s)

Parking: 5 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.

Nearby Schools

SchoolTypeDistance
Okanagan Landing ElementaryElementary12.7 km
Oyama Traditional SchoolElementary13.1 km
Ellison ElementaryElementary15.3 km
Clarence Fulton SecondaryElementary15.5 km
Davidson Road ElementaryElementary16.4 km
Mission Hill ElementaryElementary17.5 km
Kidston ElementaryElementary18.0 km
Kalamalka SecondaryElementary18.6 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: Central Okanagan (SD23)

Mortgage & Ownership Cost Calculator

Minimum required: 6.2% ($40,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$520,000.00
Periodic payment — Principal & Interest (monthly)$3,354.86
Additional monthly expenses (strata, tax, utilities, etc.)$390.42
Total monthly cost$3,745.28
Interest paid over 5-yr term$149,033.49
Balance at end of term$467,741.68

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$40,000
Stress test qualifying rate8.09%
Payment you must qualify for$4,690.69

Cash Needed at Closing

Minimum down payment$40,000
Estimated BC PTT$11,000
Legal / closing costs (typical estimate)$1,500
Total cash needed$52,500

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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