Property Type: Detached HouseOwnership: Freehold

440 Primrose Road

Kelowna, BC V1X2G7

$724,900

3 bed2.5 bath4 parking2,003 sqftBuilt 1970
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Property Details

Property & Lot

Sub-type
House
Stories
1
Lot size
0.22 acres
Frontage
83 feet

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$3,647.71

Interior

Basement
Crawl space
Heating
Forced air, Electric, See remarks
Cooling / A/C
Central air conditioning
Fireplace
None
Flooring
Laminate, Linoleum, Vinyl

Exterior & Lot

Exterior features
Stucco, Other

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
4 — uncovered indicated
Features
Additional Parking

Room Dimensions

RoomLevelDimensions
FoyerMain level12' x 3'7''
Full bathroomMain level8'5'' x 5'
OtherMain level7'11'' x 4'6''
PantryMain level6'4'' x 14'5''
Recreation roomMain level13'1'' x 18'3''
WorkshopMain level11'9'' x 14'4''
BedroomMain level8'5'' x 9'2''
BedroomMain level11'11'' x 9'
Partial ensuite bathroomMain level4'2'' x 5'
Primary BedroomMain level13' x 13'
Laundry roomMain level5' x 9'
KitchenMain level13' x 13'3''
Dining roomMain level15'9'' x 20'4''
Living roomMain level19'11'' x 19'11''

Listing Information

MLS®
10391449
Listed
June 17, 2026
Time on market
On the market for 75 days
Data last synced
August 28, 2026

Listing provided by: Sotheby's International Realty Canada · Data source: CREA DDF.

Description

Convenient location close to schools, shopping, golf, and the airport. A huge flat front yard with loads of parking sets the stage for this charming rancher. Just inside the main entryway, the oversized, bright living room greets you with an airy, open feel, perfect for relaxing or entertaining. The home flows seamlessly into an open kitchen and dining area, thoughtfully updated with quartz countertops and stainless steel appliances, with loads of cupboards, and a large peninsula. Down the hall, the primary bedroom is complete with ensuite. Two additional bedrooms and a full bathroom offer flexibility for family, guests, or a home office. Significant upgrades add value and peace of mind, including a newer roof (five years), central A/C and windows (eight years), furnace (seven years), and enhanced R60 attic insulation for improved efficiency. Beyond the main living space, a large pantry and workshop area lead to a versatile flex space with access to both the kitchen and backyard patio - an oversized fourth bedroom, rec room, office, media room - ideal for guests, hobbies, or multi-generational living. Huge pantry and indoor workshop. Outdoors, the huge irrigated backyard is ready for family, pets or entertaining. Natural gas BBQ hookup, steel gazebo, and custom storage shed complete the exterior space. A well-maintained, thoughtfully updated home in a fantastic location. Zoned MF-1 with development potential. (id:63159)

Values & Trends

This listing

$362/sqft

Building average

No other active listings in this building

Rutland North average

$516/sqft

84 active listing(s)

Parking: 4 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

22

4/9 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
Rutland Senior SecondaryElementary424 m
Rutland ElementaryElementary565 m
Rutland Middle SchoolMiddle629 m
South Rutland ElementaryElementary777 m
Belgo Elementary SchoolElementary1.5 km
Pearson Road ElementaryElementary1.5 km
Flex Academy(Independent)K-121.8 km
Quigley ElementaryElementary2.1 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 (2)

  • Jaide & Joel's Baking Company · 555 Montgomery Road563 m
  • Memphis Blues726 m

Cafes (1)

  • Starbucks744 m

Parks (5+)

  • Briarwood Park200 m
  • Mugford Park395 m
  • Rutland Recreation Park417 m
  • Rutland Centennial Park711 m
  • Brighton Park776 m

Banks & ATMs (2)

  • Basha Donair - Bitcoin Well ATM · 135 Rutland Road North730 m
  • First West Credit Union · 110 Highway 33 West793 m

Nearby places data: © OpenStreetMap contributors.

School district: Central Okanagan (SD23)

Mortgage & Ownership Cost Calculator

Minimum required: 6.6% ($47,490) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$579,920.00
Periodic payment — Principal & Interest (monthly)$3,741.45
Additional monthly expenses (strata, tax, utilities, etc.)$403.98
Total monthly cost$4,145.42
Interest paid over 5-yr term$166,206.74
Balance at end of term$521,639.92

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$47,490
Stress test qualifying rate8.09%
Payment you must qualify for$5,209.05

Cash Needed at Closing

Minimum down payment$47,490
Estimated BC PTT$12,498
Legal / closing costs (typical estimate)$1,500
Total cash needed$61,488

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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