Property Type: DuplexOwnership: Strata

551 Ellis Street Unit# 101 & 102

Penticton, BC V2A4M4

$1,399,800

8 bed8 full, 3 half bath4 parking3,730 sqftBuilt 2017
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Property Details

Property & Lot

Sub-type
Duplex
Stories
2

Ownership & Fees

Property type
Duplex
Ownership
Strata
Strata / maintenance fee
$0/mo
Annual property tax
$8,493

Interior

Basement
Full
Heating
Baseboard heaters, Forced air, Electric, See remarks
Cooling / A/C
Central air conditioning
Fireplace
None

Exterior & Lot

Exterior features
Other

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
4 — uncovered indicated
Features
Other, Street, Additional Parking

Restrictions & Policies

Pets
Allowed

As reported by the listing board — always confirm current bylaws with the strata or landlord before relying on this.

Room Dimensions

RoomLevelDimensions
Primary BedroomSecond level10'8'' x 14'3''
4pc Ensuite bathSecond level
BedroomSecond level10' x 11'4''
4pc BathroomSecond level
Living roomMain level12'8'' x 14'2''
KitchenMain level10'5'' x 12'4''
Dining roomMain level9' x 12'3''
2pc BathroomMain level
Living roomBasement11'8'' x 14'
KitchenBasement8' x 9'
BedroomBasement10'8'' x 10'9''
BedroomBasement9'4'' x 10'
Partial bathroomBasement
Primary BedroomSecond level10'8'' x 14'3''
Living roomBasement11'8'' x 14'0''
Living roomMain level12'8'' x 14'2''
KitchenBasement8'0'' x 9'0''
KitchenMain level10'5'' x 12'4''
4pc Ensuite bathSecond level
Dining roomMain level9'0'' x 12'3''
BedroomBasement9'4'' x 10'0''
BedroomBasement10'8'' x 10'9''
BedroomSecond level10'0'' x 11'4''
4pc BathroomBasement
4pc BathroomSecond level
2pc BathroomMain level

Listing Information

MLS®
10382800
Listed
April 9, 2026
Time on market
On the market for 144 days
Data last synced
August 28, 2026

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

Description

Welcome to this quality-built duplex with LEGAL basement suite(s) by Trainor Construction, completed in 2017 and ideally located in the heart of Penticton. Just steps to shopping, farmers market, breweries, transit, and schools! This is a prime opportunity for investors or homeowners seeking a mortgage helper. The upper unit offers a functional three-level layout with the main floor featuring an open living space and convenient guest bathroom. Upstairs includes 2 bedrooms and 2 full bathrooms and the 3rd bedroom is located on the lower level. This unit also includes a small fenced yard. Downstairs, the legal 1 bedroom, 1 bathroom suite has its own private entrance—perfect for rental income or Airbnb potential. Both suites include in-unit laundry, designated parking and are separately metered for utilities, offering flexibility and ease of management. The main residence is equipped with gas forced air heating and central A/C, while the lower suite features electric baseboard heat. Currently fully tenanted with solid income. A versatile and centrally located investment offering strong income potential and long-term value. NOTE: photos are from 2017 at time of construction. (id:63159)

Values & Trends

This listing

$375/sqft

Building average

No other active listings in this building

Main North average

$466/sqft

22 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

Mainly Clear

17°C

Mainly Clear

Humidity 67%

Wind NE 4 km/h

Tonight

12°

Tuesday

27°

Tuesday night

15°

Wednesday

24°

Wednesday night

13°

Thursday

19°

Source: Environment and Climate Change Canada.

Population

36,885

(2021 Census)

+9.3% since 2016

Density: 857.2/km²

Dwellings: 18,457

Median household income: $68,000

After-tax: $61,600

Immigrant population: 13.4%

Top countries of origin (% of total population)

  • United Kingdom2.6% · 960
  • India1.5% · 535
  • United States of America1.1% · 415
  • Germany1.1% · 390
  • Philippines1% · 375
  • Portugal0.5% · 200
  • Netherlands0.5% · 175
  • Korea, South0.3% · 110

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

44

5/9 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
ConnectEd - Alternative ProgramsSecondary306 m
Penticton SecondarySecondary375 m
Secondaire de PentictonSecondary375 m
Penticton Christian School(Independent)K-12717 m
Queens Park ElementaryElementary967 m
Holy Cross School(Independent)Elementary/Middle1.2 km
Uplands ElementaryElementary1.2 km
Entre-lacsElementary/Middle1.5 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 (5+)

  • Sushi Heaven · 564 Main Street76 m
  • Gratify Foods · 544 Main Street90 m
  • Lachi109 m
  • Unnamed135 m
  • Lala Ji's Pizzeria177 m

Cafes (5+)

  • Angry Vegan · 536 Main Street85 m
  • Caffè d'Italia205 m
  • Blenz Coffee485 m
  • Bellevue Cafe558 m
  • Balance Vegetarian Shop and Tea Room762 m

Parks (5+)

  • Unnamed401 m
  • Unnamed413 m
  • Unnamed439 m
  • Unnamed576 m
  • Unnamed645 m

Pharmacies (3)

  • Sunrise Pharmacy · 749 Main Street325 m
  • Remedy'sRx326 m
  • Knights Pharmacy384 m

Banks & ATMs (5+)

  • Prospera Credit Union250 m
  • Scotiabank273 m
  • TD287 m
  • RBC454 m
  • CIBC501 m

Nearby places data: © OpenStreetMap contributors.

School district: Okanagan-Skaha (SD67)

Similar Listings Nearby

No similar listings found nearby right now.

Mortgage & Ownership Cost Calculator

Minimum required: 8.2% ($114,980) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,119,840.00
Periodic payment — Principal & Interest (monthly)$7,224.83
Additional monthly expenses (strata, tax, utilities, etc.)$894.75
Total monthly cost$8,119.58
Interest paid over 5-yr term$320,949.36
Balance at end of term$1,007,299.70

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$114,980
Stress test qualifying rate8.09%
Payment you must qualify for$9,879.82

Cash Needed at Closing

Minimum down payment$114,980
Estimated BC PTT$25,996
Legal / closing costs (typical estimate)$1,500
Total cash needed$142,476

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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