Property Type: Detached HouseOwnership: Freehold

451 Cadder Avenue

Kelowna, BC V1Y5N2

$1,675,000

3 bed3.5 bath3 parking2,706 sqftBuilt 2009
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
0.15 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$8,043.23

Interior

Basement
Crawl space
Heating
Forced air
Cooling / A/C
Central air conditioning
Fireplace
Yes (1)
Fireplace type
Gas, Unknown
Flooring
Tile, Hardwood

Exterior & Lot

Exterior features
Cedar Siding

Parking

Total spaces
3 — covered indicated
Features
Detached Garage, Rear

Room Dimensions

RoomLevelDimensions
Full bathroomSecond level12'5'' x 10'3''
BedroomSecond level11'11'' x 16'0''
Family roomSecond level15'4'' x 18'4''
Primary BedroomMain level13'11'' x 17'0''
Full ensuite bathroomMain level14'2'' x 10'7''
BedroomMain level11'11'' x 18'3''
Partial bathroomMain level6'10'' x 2'11''
Laundry roomMain level7'3'' x 6'2''
FoyerMain level14'10'' x 8'0''
Dining roomMain level16'6'' x 9'4''
Dining nookMain level12'11'' x 8'4''
KitchenMain level14'9'' x 13'7''
Living roomMain level17'0'' x 16'5''

Listing Information

MLS®
10383308
Listed
April 30, 2026
Time on market
On the market for 123 days
Data last synced
August 28, 2026

Listing provided by: REMAX Kelowna - Stone Sisters · Data source: CREA DDF.

Description

Centrally positioned just moments to shopping, parks, Kelowna General Hospital, & a short stroll to the sparkling shores of Lake Okanagan, this residence offers an exceptional blend of lifestyle, quality, & everyday convenience. Priced below assessed value, this home is thoughtfully constructed with timeless architectural detail & solid craftsmanship. A spacious entry with soaring ceilings sets an impressive tone. The main level unfolds into an open-concept kitchen, living, & dining area where vaulted ceilings & striking wood beam accents add warmth & architectural presence. Expansive windows frame the space in natural light. The kitchen is designed for both function & gathering, featuring a generous island, pantry, Bosch appliances, & a prep sink. A breakfast nook transitions seamlessly to the covered deck, creating an effortless extension for seasonal entertaining. Anchored by a gas fireplace, the living room feels both elevated & inviting. The primary suite is generous in scale with dual walk-in closets & a beautifully finished ensuite complete with heated floors, dual vanities, & a soaker tub. A dedicated main-floor office with exterior access offers exceptional versatility—ideal for a home-based business, professional workspace, or easily utilized as an additional bedroom if desired. Main-level laundry & abundant storage enhance everyday practicality. Upstairs, built-in display shelving lines the wide stairwell leading to an open loft, one additional bedroom, a full bathroom, & a spacious family room with its own private patio—providing thoughtful separation for guests. A large crawl space accommodates seasonal storage, & the detached double garage ensures secure parking. Just minutes from schools, dining, the hospital, & the lake—this home presents a rare balance of elevated living & daily convenience in one of Kelowna’s most desirable settings. (id:63159)

Values & Trends

This listing

$619/sqft

Building average

No other active listings in this building

Kelowna South average

$757/sqft

80 active listing(s)

Parking: 3 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

3/9 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
St Joseph Elementary School(Independent)Elementary684 m
Central School ProgramsK-12719 m
Central SecondarySecondary719 m
A S Matheson ElementaryElementary1.1 km
Raymer ElementaryElementary1.2 km
Kelowna SecondarySecondary1.7 km
The Balsam School(Independent)Elementary1.8 km
KLO Middle SchoolMiddle2.1 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

Cafes (1)

  • Abbott St. Cafe406 m

Parks (5+)

  • Cadder Avenue Beach Access347 m
  • Burne Avenue Beach Access384 m
  • Royal Avenue Beach Access427 m
  • Strathcona Beach Park476 m
  • Beach Avenue Beach Access529 m

Pharmacies (1)

  • Remedy'sRx269 m

Nearby places data: © OpenStreetMap contributors.

School district: Central Okanagan (SD23)

Mortgage & Ownership Cost Calculator

Minimum required: 20.0% ($335,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,340,000.00
Periodic payment — Principal & Interest (monthly)$8,645.23
Additional monthly expenses (strata, tax, utilities, etc.)$805.27
Total monthly cost$9,450.49
Interest paid over 5-yr term$384,047.85
Balance at end of term$1,205,334.33

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$335,000
Stress test qualifying rate8.09%
Payment you must qualify for$10,304.13

Cash Needed at Closing

Minimum down payment$335,000
Estimated BC PTT$31,500
Legal / closing costs (typical estimate)$1,500
Total cash needed$368,000

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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