Property Type: TownhouseOwnership: Freehold

4404 20 Street Unit# 7

Vernon, BC V1T4E3

$579,000

3 bed3.5 bath2 parking2,704 sqftBuilt 1993
Get Directions

Property Details

Property & Lot

Sub-type
Row / Townhouse
Stories
2

Ownership & Fees

Property type
Townhouse
Ownership
Freehold
Strata / maintenance fee
$351/mo
Annual property tax
$3,396.66

Interior

Basement
Full
Heating
Forced air, See remarks
Cooling / A/C
Central air conditioning
Fireplace
Yes (1)
Fireplace type
Gas, Unknown

Exterior & Lot

Exterior features
Vinyl siding

Building

Roof
Asphalt shingle, Unknown

Parking

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

Room Dimensions

RoomLevelDimensions
Family roomBasement32'8'' x 10'1''
OtherBasement16'6'' x 12'7''
Utility roomBasement15'2'' x 9'8''
4pc BathroomSecond level8'2'' x 9'10''
BedroomSecond level12'2'' x 13'
BedroomSecond level13' x 10'9''
4pc Ensuite bathSecond level8'2'' x 8'2''
Primary BedroomSecond level17' x 14'9''
OtherMain level20'6'' x 13'
StorageMain level6'0'' x 5'0''
2pc BathroomMain level6' x 4'4''
FoyerMain level7'9'' x 7'3''
Laundry roomMain level7'2'' x 7'6''
KitchenMain level14' x 9'9''
Dining roomMain level12'10'' x 9'9''
Living roomMain level17' x 13'

Listing Information

MLS®
10393809
Listed
July 6, 2026
Time on market
On the market for 56 days
Data last synced
August 28, 2026

Listing provided by: 3 Percent Realty Inc. · Data source: CREA DDF.

Description

Nicely updated and large 3 bedroom+den, 3 bathroom townhouse in a great Vernon location minutes to all amenities and set back off of 20th Street. This unit backs onto Harwood School so no neighbours behind you. Great patio and garden area in the backyard off the main level. Main level has the garage, laundry, half bath, living, dining, and kitchen area. Kitchen and appliances have undergone a beautiful update. Upstairs has 3 bedrooms and 2 full bathrooms. The master is quite large with a walk-in closet and full ensuite. Downstairs has a couple of large flex rooms for you to decide how to use. Well run strata and the roof has already been updated. 2 parking spaces - one in the garage and another open plus guest parking spaces. (Pets: 2 dogs or 2 cats. 24"" to the shoulder for dogs.) (id:63159)

Values & Trends

This listing

$214/sqft

Building average

No other active listings in this building

Harwood average

$345/sqft

16 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

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.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

30

6/9 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
Harwood ElementaryElementary82 m
Pleasant Valley Christian Academy(Independent)Elementary/Middle383 m
W.L. Seaton SecondarySecondary746 m
Silver Star ElementaryElementary1.2 km
Ecole Beairsto ElementaryElementary1.3 km
Alexis Park ElementaryElementary1.4 km
St James(Independent)Elementary1.7 km
Vernon SecondaryElementary2.2 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)

  • Eat Good Market Deli - Pineapple Express Bistro · 4511 27 Street498 m
  • 27th Street Grille1790 m

Grocery (1)

  • Butcher Boys782 m

Parks (2)

  • Girouard Park382 m
  • Macdonald Park668 m

Gyms (2)

  • Planet Fitness622 m
  • World Health and Fitness · 4801 27 Street794 m

Pharmacies (1)

  • Shoppers Drug Mart559 m

Banks & ATMs (1)

  • Scotiabank757 m

Nearby places data: © OpenStreetMap contributors.

School district: Vernon (SD22)

Mortgage & Ownership Cost Calculator

Minimum required: 5.7% ($32,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$463,200.00
Periodic payment — Principal & Interest (monthly)$2,988.41
Additional monthly expenses (strata, tax, utilities, etc.)$768.67
Total monthly cost$3,757.07
Interest paid over 5-yr term$132,754.45
Balance at end of term$416,649.90

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$32,900
Stress test qualifying rate8.09%
Payment you must qualify for$4,199.32

Cash Needed at Closing

Minimum down payment$32,900
Estimated BC PTT$9,580
Legal / closing costs (typical estimate)$1,500
Total cash needed$43,980

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.

Request more information