Property Type: Detached HouseOwnership: FreeholdRECENTLY LISTED

431 Upland Drive

Coldstream, BC V1B2X7

$1,150,000

5 bed3 bath5 parking2,496 sqftBuilt 1987
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
0.53 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,361

Interior

Heating
Forced air
Cooling / A/C
Central air conditioning
Fireplace
Yes (2)
Fireplace type
Wood, Electric, Conventional, Unknown

Exterior & Lot

Exterior features
Vinyl siding
Pool
Pool, Inground pool, Outdoor pool

Parking

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

Restrictions & Policies

Pets
Allowed, Allowed with restrictions
Rentals
Allowed

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

Room Dimensions

RoomLevelDimensions
Utility roomBasement7'1'' x 9'4''
StorageBasement9'8'' x 12'9''
FoyerBasement10'3'' x 6'3''
Laundry roomBasement5'7'' x 8'6''
3pc BathroomBasement5'5'' x 8'1''
BedroomBasement10'4'' x 12'8''
BedroomBasement11'4'' x 9'4''
Recreation roomBasement14'10'' x 19'11''
4pc BathroomMain level4'11'' x 12'5''
BedroomMain level12'2'' x 10'5''
BedroomMain level10' x 10'6''
3pc Ensuite bathMain level4'11'' x 7'4''
Primary BedroomMain level12'4'' x 13'9''
Dining roomMain level10'6'' x 12'10''
Living roomMain level15'1'' x 16'2''
KitchenMain level11'2'' x 12'5''

Listing Information

MLS®
10398683
Listed
August 26, 2026
Time on market
On the market for 5 days
Data last synced
August 28, 2026

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

Description

More than $35,000 in recent improvements, a newer saltwater pool, over HALF AN ACRE and a fully furnished interior make this Coldstream home truly move-in ready. Since April, the property has seen substantial investment in its mechanical systems and outdoor spaces. The well-designed 5 bedroom, 3 bathroom layout offers 3 bedrooms on the main level, with 2 additional bedrooms and a spacious rec room downstairs, providing plenty of room for family, guests or a home office. Outside, the private backyard is made for Okanagan summers. The newer 14' x 30' fiberglass saltwater pool, installed in 2020, features two sunbeds and an automatic cover, while the covered deck creates a great outdoor living space. Recent improvements include a brand-new powder-coated metal fence valued at over $18,000 and a new pool pump valued at over $2,500. The low-maintenance yard is fully fenced for privacy and easy enjoyment. The home has also received over $15,000 in recent mechanical upgrades, including a new 2-stage ECM furnace, new air conditioner with a 10-year warranty, new Wi-Fi thermostat, new air intake and exhaust venting system, new chimney liner and new gas shutoff valve. Additional improvements over the years include windows, gutters, deck railing, front door and a basement mudroom. With abundant parking for RVs, boats and trailers, a private pool setting and significant recent investment, this is a standout Coldstream property. (id:63159)

Values & Trends

This listing

$461/sqft

Building average

No other active listings in this building

Mun of Coldstream average

$494/sqft

38 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

Nearest station: Vernon

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

11,171

(2021 Census)

+4.9% since 2016

Density: 167.8/km²

Dwellings: 4,341

Median household income: $110,000

After-tax: $97,000

Immigrant population: 11.4%

Top countries of origin (% of total population)

  • United Kingdom2.4% · 265
  • Germany1.3% · 150
  • United States of America0.8% · 90
  • India0.7% · 75
  • South Africa, Republic of0.5% · 60
  • Poland0.4% · 50
  • Netherlands0.4% · 40
  • China0.3% · 35

Source: Statistics Canada, 2021 Census of Population.

Nearby Schools

SchoolTypeDistance
Hillview ElementaryElementary2.3 km
Coldstream ElementaryElementary2.5 km
Alternative Learning ProgramSecondary2.8 km
Vernon SecondaryElementary3.3 km
Kalamalka SecondaryElementary3.3 km
Kidston ElementaryElementary3.8 km
Silver Star ElementaryElementary3.9 km
St James(Independent)Elementary4.4 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: Vernon (SD22)

Mortgage & Ownership Cost Calculator

Minimum required: 7.8% ($90,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$920,000.00
Periodic payment — Principal & Interest (monthly)$5,935.53
Additional monthly expenses (strata, tax, utilities, etc.)$488.42
Total monthly cost$6,423.94
Interest paid over 5-yr term$263,674.64
Balance at end of term$827,542.98

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$90,000
Stress test qualifying rate8.09%
Payment you must qualify for$8,151.03

Cash Needed at Closing

Minimum down payment$90,000
Estimated BC PTT$21,000
Legal / closing costs (typical estimate)$1,500
Total cash needed$112,500

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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