Property Type: Detached HouseOwnership: Freehold

581 Churchill Avenue

Penticton, BC V2A1E2

$1,595,000

5 bed4.5 bath3 parking2,846 sqftBuilt 2013
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
0.11 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$9,269.02

Interior

Basement
Crawl space
Heating
Forced air, See remarks, Other
Cooling / A/C
Central air conditioning
Fireplace
Yes (1)
Fireplace type
Electric, Unknown
Flooring
Concrete, Vinyl

Exterior & Lot

Exterior features
Wood, Stucco
View
Lake view, Mountain view

Building

Roof
Other, Unknown

Parking

Total spaces
3 — covered indicated
Features
Detached Garage, Street

Restrictions & Policies

Pets
Allowed, Allowed with restrictions
Rentals
Allowed

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

Room Dimensions

RoomLevelDimensions
OtherMain level14'5'' x 10'5''
Full bathroomSecondary Dwelling Unit4'11'' x 7'10''
Primary BedroomSecondary Dwelling Unit9'8'' x 11'6''
Living roomSecondary Dwelling Unit9'1'' x 12'5''
Dining roomSecondary Dwelling Unit9' x 9'8''
KitchenSecondary Dwelling Unit6'11'' x 13'4''
OfficeSecond level7'8'' x 8'8''
4pc BathroomSecond level4'11'' x 8'10''
BedroomSecond level11'7'' x 12'1''
BedroomSecond level11'2'' x 12'
BedroomSecond level12'11'' x 16'5''
4pc Ensuite bathSecond level12'2'' x 6'3''
Primary BedroomSecond level14'11'' x 14'11''
Utility roomMain level3'6'' x 6'1''
2pc BathroomMain level4'11'' x 8'5''
3pc Ensuite bathMain level4'11'' x 8'5''
BedroomMain level17' x 15'4''
Dining roomMain level10'1'' x 14'11''
Living roomMain level16'3'' x 16'11''
KitchenMain level17'10'' x 14'11''

Listing Information

MLS®
10394929
Listed
July 15, 2026
Time on market
On the market for 47 days
Data last synced
August 28, 2026

Listing provided by: Chamberlain Property Group Inc. · Data source: CREA DDF.

Description

Steps from Okanagan Lake and a short walk to downtown Penticton, this contemporary home offers something genuinely rare on one of the city's most sought-after streets: a spacious main residence paired with a fully self-contained carriage house above a double garage. The street appeal carries through to a well-balanced main floor warmed by in-floor radiant heat, built around a chef's kitchen with a butler's pantry and an open dining and living area that flows seamlessly to a large covered concrete patio — designed for year-round outdoor living. The yard adds character with pocket gardens, an outdoor shower, and custom planters and storage benches. A main floor primary bedroom with an ensuite completes the level, offering real flexibility for single-level living, guests, or family. Upstairs, three generous bedrooms and a dedicated laundry area are accompanied by the primary suite — a genuine retreat with a spa-calibre ensuite and private office/den. A sun-soaked upper patio is accessible from both the suite and the hallway, stepping up to a showstopping private rooftop terrace with sweeping views of Okanagan Lake, the mountains, and the city lights at night. Off the alley, the detached garage is topped by a legal one-bedroom suite with its own balcony, private staircase, and dedicated parking — currently VRBO-licensed and proven as both a short- and long-term rental. A home this complete, on a street this good, doesn't come around often. (id:63159)

Values & Trends

This listing

$560/sqft

Building average

No other active listings in this building

Main North average

$488/sqft

56 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

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

26

4/9 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
Queens Park ElementaryElementary513 m
ConnectEd - Alternative ProgramsSecondary1.5 km
Secondaire de PentictonSecondary1.5 km
Penticton SecondarySecondary1.5 km
Penticton Christian School(Independent)K-121.7 km
Uplands ElementaryElementary2.0 km
West Bench ElementaryElementary2.1 km
Holy Cross School(Independent)Elementary/Middle2.2 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 (5+)

  • Patio Burger & ice cream co.217 m
  • Cambo Beach · 914 West Lakeshore Drive349 m
  • Villa Rosa · 795 Westminster Avenue357 m
  • Dosa Vilas387 m
  • Hokuto · 786 Westminster Avenue393 m

Cafes (4)

  • Balance Vegetarian Shop and Tea Room424 m
  • Wayne & Freda · 249 Westminster Avenue W447 m
  • Bellevue Cafe703 m
  • Blenz Coffee769 m

Parks (5+)

  • Lakawanna Park241 m
  • Unnamed458 m
  • Queens Park480 m
  • Unnamed497 m
  • Rotary Park540 m

Banks & ATMs (5+)

  • Unnamed638 m
  • BMO653 m
  • Valley First Credit Union693 m
  • CIBC730 m
  • RBC793 m

Nearby places data: © OpenStreetMap contributors.

School district: Okanagan-Skaha (SD67)

Mortgage & Ownership Cost Calculator

Minimum required: 20.0% ($319,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,276,000.00
Periodic payment — Principal & Interest (monthly)$8,232.32
Additional monthly expenses (strata, tax, utilities, etc.)$914.42
Total monthly cost$9,146.74
Interest paid over 5-yr term$365,705.27
Balance at end of term$1,147,766.13

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$319,000
Stress test qualifying rate8.09%
Payment you must qualify for$9,811.99

Cash Needed at Closing

Minimum down payment$319,000
Estimated BC PTT$29,900
Legal / closing costs (typical estimate)$1,500
Total cash needed$350,400

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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