Property Type: Detached HouseOwnership: Freehold

5319 White Street

Summerland, BC V0H1Z7

$1,094,000

2 bed3.5 bath2 parking1,993 sqftBuilt 1990
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
0.33 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,790.39

Interior

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

Exterior & Lot

View
Lake view, Mountain view

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
2 — uncovered indicated
Features
Other, RV, Additional Parking

Room Dimensions

RoomLevelDimensions
2pc BathroomMain level
5pc BathroomMain level
Dining roomMain level14'4'' x 14'
KitchenMain level11'1'' x 17'
Laundry roomMain level9'4'' x 10'6''
Living roomMain level11'5'' x 16'6''
Primary BedroomMain level11'2'' x 14'2''
3pc BathroomLower level
BedroomLower level11'8'' x 13'3''
OfficeLower level10'6'' x 16'6''
Recreation roomLower level24'9'' x 13'7''
Utility roomLower level17'7'' x 13'9''

Listing Information

MLS®
10390304
Listed
June 10, 2026
Time on market
On the market for 82 days
Data last synced
August 28, 2026

Listing provided by: RE/MAX Orchard Country · Data source: CREA DDF.

Description

Perched to capture breathtaking panoramic views, this exceptional rancher offers the perfect blend of comfort, convenience, and Okanagan lifestyle. Designed for effortless main-level living, the home features a bright, open layout that seamlessly connects indoor and outdoor spaces. Step onto the expansive view deck, complete with modern glass railings, and enjoy unforgettable sunrises, evening sunsets, and stunning valley vistas. Recent improvements include attractive HardiePlank siding and a beautifully updated main bathroom. The walkout daylight lower level provides an ideal retreat for visiting family and guests. Outside, the corner lot setting delivers exceptional accessibility, flat parking, and rare space for multiple vehicles, including a large RV, with the added convenience of back lane access. Garden enthusiasts will appreciate the dedicated garden area, while wine lovers will enjoy being just a short stroll from Summerland's Bottleneck Drive Wine route featuring local wineries and tasting rooms. This is a rare opportunity to own a thoughtfully updated home in a desirable location where spectacular views, abundant parking, and an incredible lifestyle come together. Experience the very best of Okanagan living. (id:63159)

Values & Trends

This listing

$549/sqft

Building average

No other active listings in this building

Main Town average

$473/sqft

33 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

17°C

Humidity 56%

Wind SW 4 km/h

Tonight

12°

Tuesday

27°

Tuesday night

15°

Wednesday

24°

Wednesday night

13°

Thursday

19°

Source: Environment and Climate Change Canada.

Population

12,042

(2021 Census)

+3.7% since 2016

Density: 162.6/km²

Dwellings: 5,426

Median household income: $82,000

After-tax: $74,000

Immigrant population: 12.2%

Top countries of origin (% of total population)

  • United Kingdom3.3% · 395
  • Germany1% · 125
  • India0.9% · 110
  • United States of America0.8% · 95
  • Netherlands0.7% · 85
  • Poland0.4% · 50
  • Hungary0.3% · 40
  • Philippines0.3% · 40

Source: Statistics Canada, 2021 Census of Population.

Nearby Schools

SchoolTypeDistance
Unisus Junior School(Independent)Elementary1.8 km
Unisus Senior School(Independent)Secondary1.8 km
Trout Creek ElementaryElementary2.5 km
Summerland Montessori School(Independent)Elementary2.6 km
Summerland SecondaryK-122.8 km
Naramata ElementaryElementary4.6 km
West Bench ElementaryElementary9.4 km
Queens Park ElementaryElementary10.5 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.

School district: Okanagan-Skaha (SD67)

Mortgage & Ownership Cost Calculator

Minimum required: 7.7% ($84,400) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$875,200.00
Periodic payment — Principal & Interest (monthly)$5,646.49
Additional monthly expenses (strata, tax, utilities, etc.)$499.20
Total monthly cost$6,145.69
Interest paid over 5-yr term$250,834.84
Balance at end of term$787,245.23

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$84,400
Stress test qualifying rate8.09%
Payment you must qualify for$7,763.47

Cash Needed at Closing

Minimum down payment$84,400
Estimated BC PTT$19,880
Legal / closing costs (typical estimate)$1,500
Total cash needed$105,780

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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