Property Type: Detached HouseOwnership: Freehold

445 Road 5

Oliver, BC V0H1T1

$1,089,000

5 bed4.5 bath15 parking3,230 sqftBuilt 1993
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Property Details

Property & Lot

Sub-type
House
Stories
3
Lot size
0.71 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,634

Interior

Heating
Forced air, See remarks
Cooling / A/C
Central air conditioning
Fireplace
Yes (3)
Fireplace type
Wood, Gas, Conventional, Unknown
Flooring
Carpeted, Linoleum, Wood

Exterior & Lot

Exterior features
Vinyl siding
View
Mountain view, Valley view
Pool
Inground pool

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
15 — covered indicated
Features
Attached Garage, RV, Additional Parking

Room Dimensions

RoomLevelDimensions
StorageLower level12'5'' x 3'4''
OfficeLower level9'3'' x 8'1''
Living roomLower level14'7'' x 12'8''
Laundry roomLower level18'8'' x 6'4''
KitchenLower level16'1'' x 12'9''
BedroomLower level12'5'' x 9'2''
3pc BathroomLower level9'2'' x 6'
Primary BedroomSecond level20'2'' x 14'0''
OfficeSecond level5'4'' x 13'2''
BedroomSecond level11'0'' x 12'9''
BedroomSecond level10'4'' x 9'10''
BedroomSecond level11' x 13'11''
4pc BathroomSecond level4'10'' x 9'9''
3pc Ensuite bathSecond level7'9'' x 13'8''
Living roomMain level13'0'' x 27'0''
KitchenMain level11'8'' x 13'7''
OtherMain level26'5'' x 20'2''
FoyerMain level18'2'' x 7'2''
Dining roomMain level16'0'' x 13'3''
2pc BathroomMain level

Listing Information

MLS®
10376696
Listed
February 25, 2026
Time on market
On the market for 187 days
Data last synced
August 28, 2026

Listing provided by: RE/MAX Wine Capital Realty · Data source: CREA DDF.

Description

Located just 3 minutes south of Oliver, this .72-acre property delivers the quintessential South Okanagan lifestyle, surrounded by vineyards and orchards. Exceptionally maintained 5BDRM/4BATH two-storey home w/ in-law suite featuring 4 bedrooms plus office on the upper level, refinished oak hardwood floors, updated bathrooms, and a spacious primary retreat with renovated ensuite. Vaulted ceilings add architectural interest, cozy gas fireplaces, gas range, skylit bath, and modern mechanical upgrades provide year-round comfort and efficiency. Major improvements include new roof, siding, gutters, and hot water tank. Serviced with 200-amp electrical, natural gas, and two sets of newer appliances already in place. Sound-insulated 1-bedroom suite w/ separate entry is ideal as a mortgage helper, short- or long-term rental, or extended family living. Private, fully fenced backyard with a 20’ x 40’ saltwater in-ground pool (new liner & pump), covered deck for outdoor dining, and front veranda with gas BBQ hookup. Productive garden area with heritage apricot trees, berries, and rich soil ready for your home-based food garden. Attached double garage plus ample parking with two 30-amp RV/EV outlets for trailers, boats, or motorhomes. Garage ceilings tall enough for future mezzanine level or car hoists for all the toys. A rare offering in Canada’s Wine Capital—exceptional privacy, poolside living, income potential, and minutes to town. One block to Vin Amité Cellars—welcome home! (id:63159)

Values & Trends

This listing

$337/sqft

Building average

No other active listings in this building

Oliver average

$435/sqft

101 active listing(s)

Parking: 15 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: Osoyoos

23°C

Humidity 43%

Wind S 7 km/h

Tonight

12°

Tuesday

27°

Tuesday night

15°

Wednesday

24°

Wednesday night

13°

Thursday

19°

Source: Environment and Climate Change Canada.

Population

5,094

(2021 Census)

+3.4% since 2016

Density: 927.9/km²

Dwellings: 2,445

Median household income: $68,500

After-tax: $62,400

Immigrant population: 18.9%

Top countries of origin (% of total population)

  • India5.4% · 275
  • United Kingdom2.4% · 120
  • United States of America1.3% · 65
  • Portugal1.2% · 60
  • Germany1.1% · 55
  • El Salvador0.9% · 45
  • Philippines0.8% · 40
  • Netherlands0.6% · 30

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

7

2/9 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
Southern Okanagan SecondarySecondary3.1 km
Southern Okanagan AltSecondary3.1 km
Oliver ElementaryElementary3.1 km
Tuc-el-Nuit ElementaryElementary3.1 km
Senpaq'cin School(Independent)Elementary4.4 km
Cawston Primary SchoolElementary14.0 km
Osoyoos ElementaryElementary16.2 km
Osoyoos SecondarySecondary16.5 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 (1)

  • El Sabor De Marina · 5612 Highway 97629 m

Grocery (1)

  • Global Supermarket648 m

Nearby places data: © OpenStreetMap contributors.

School district: Okanagan-Similkameen (SD53)

Mortgage & Ownership Cost Calculator

Minimum required: 7.7% ($83,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$871,200.00
Periodic payment — Principal & Interest (monthly)$5,620.69
Additional monthly expenses (strata, tax, utilities, etc.)$548.17
Total monthly cost$6,168.85
Interest paid over 5-yr term$249,688.42
Balance at end of term$783,647.22

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$83,900
Stress test qualifying rate8.09%
Payment you must qualify for$7,728.87

Cash Needed at Closing

Minimum down payment$83,900
Estimated BC PTT$19,780
Legal / closing costs (typical estimate)$1,500
Total cash needed$105,180

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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