Property Type: Detached HouseOwnership: Freehold

432 Wardlaw Avenue

Kelowna, BC V1Y5B4

$1,100,000

4 bed2 bath2 parking1,064 sqftBuilt 1994
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
0.11 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$5,567.06

Interior

Heating
Forced air, See remarks
Fireplace
Yes (1)
Flooring
Laminate, Vinyl, Wood

Exterior & Lot

Exterior features
Stucco

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
2 — covered indicated
Features
Attached Garage

Room Dimensions

RoomLevelDimensions
Full bathroomMain level
BedroomMain level9' x 10'
BedroomMain level10' x 12'
KitchenMain level7' x 10'
Living roomMain level11' x 15'
Full bathroomSecond level
DenSecond level8' x 9'
BedroomSecond level10' x 12'
Primary BedroomSecond level1' x 12'
Dining roomSecond level7' x 12'
KitchenSecond level8' x 16'
Living roomSecond level12' x 15'

Listing Information

MLS®
10389937
Listed
June 2, 2026
Time on market
On the market for 90 days
Data last synced
August 28, 2026

Listing provided by: Royal LePage Westside · Data source: CREA DDF.

Description

Prime Kelowna South Revenue Property – Exceptional Location & Lifestyle: Rare opportunity to own in one of Kelowna’s most sought-after neighbourhoods. Ideally located between Pandosy Street and Abbott Street, this property offers outstanding walkability and is only steps from Okanagan Lake, sandy beaches, waterfront parks, Kelowna General Hospital, and the vibrant Pandosy Village district with its popular restaurants, cafes, boutiques, and everyday amenities. This versatile property features a spacious upper-level 2-bedroom plus den suite and a self-contained 2-bedroom lower-level suite with separate access and direct walkout to a private backyard. With no interior staircase connecting the suites, both levels offer excellent privacy and flexibility for investors, multi-generational living, or those seeking a mortgage helper. Reliable month-to-month tenants are currently in place in both suites, providing immediate rental income. Additional features include ample parking, new laminate flooring in the lower suite, and a roof replaced in 2014. Whether you’re looking for a solid revenue property, a live-up/rent-down opportunity, or a future family home in an unbeatable location, this is a rare chance to secure a property in the heart of Kelowna South. (id:63159)

Values & Trends

This listing

$1,034/sqft

Building average

No other active listings in this building

Kelowna South average

$751/sqft

80 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

Clear

12°C

Clear

Humidity 88%

Wind ENE 5 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

41

7/9 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
Raymer ElementaryElementary386 m
Kelowna SecondarySecondary1.1 km
A S Matheson ElementaryElementary1.4 km
KLO Middle SchoolMiddle1.4 km
St Joseph Elementary School(Independent)Elementary1.4 km
Central School ProgramsK-121.6 km
Central SecondarySecondary1.6 km
Casorso ElementaryElementary1.9 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

Restaurants (5+)

  • Original Joe's286 m
  • Soy362 m
  • Hector's Casa373 m
  • Chutney · 3011 Pandosy Street550 m
  • The Canadian Brewhouse · 3030 Pandosy Street573 m

Cafes (5+)

  • Blenz Coffee330 m
  • The Marmalade Cat Cafe359 m
  • Bean scene420 m
  • Bread Co.420 m
  • Abbott St. Cafe753 m

Grocery (1)

  • Lakview Market582 m

Parks (5+)

  • Kinsmen Park189 m
  • Osprey Park291 m
  • Francis Avenue Beach Access367 m
  • West Avenue Beach Access381 m
  • Abbott Park403 m

Gyms (1)

  • Orangetheory Fitness · 590 K.L.O. Road639 m

Pharmacies (1)

  • Remedy'sRx669 m

Banks & ATMs (2)

  • RBC Royal Bank613 m
  • TD775 m

Nearby places data: © OpenStreetMap contributors.

School district: Central Okanagan (SD23)

Mortgage & Ownership Cost Calculator

Minimum required: 7.7% ($85,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$880,000.00
Periodic payment — Principal & Interest (monthly)$5,677.46
Additional monthly expenses (strata, tax, utilities, etc.)$516.92
Total monthly cost$6,194.38
Interest paid over 5-yr term$252,210.53
Balance at end of term$791,562.85

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$85,000
Stress test qualifying rate8.09%
Payment you must qualify for$7,804.99

Cash Needed at Closing

Minimum down payment$85,000
Estimated BC PTT$20,000
Legal / closing costs (typical estimate)$1,500
Total cash needed$106,500

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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