Property Type: Detached HouseOwnership: Freehold

6400 Spencer Road Unit# 22

Kelowna, BC V1X7T6

$598,888

2 bed2 bath2 parking1,190 sqftBuilt 1991
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Property Details

Property & Lot

Sub-type
House
Style
Ranch
Stories
1
Lot size
0.13 acres
Frontage
49 feet

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Strata / maintenance fee
$281/mo
Annual property tax
$2,062

Interior

Basement
Crawl space
Heating
Forced air, See remarks
Cooling / A/C
Central air conditioning
Fireplace
None
Appliances
Washer, Refrigerator, Range - Gas, Dishwasher, Dryer, Microwave

Exterior & Lot

Exterior features
Vinyl siding
View
Mountain view
Fencing
Fence

Building

Roof
Asphalt shingle, Unknown
Water source
Irrigation District
Sewer
Septic tank
Parcel ID (PID)
018-240-810

Parking

Total spaces
2 — covered indicated
Features
Carport, Additional Parking

Restrictions & Policies

Pets
Allowed
Age / occupancy
Adult-oriented (no young children), Seniors-oriented community

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

Room Dimensions

RoomLevelDimensions
Utility roomMain level6'1'' x 11'5''
StorageMain level15'4'' x 3'8''
3pc BathroomMain level4'11'' x 8'7''
3pc Ensuite bathMain level4'11'' x 11'5''
BedroomMain level11'1'' x 12'3''
Primary BedroomMain level14'6'' x 11'5''
Dining roomMain level15'6'' x 12'2''
Living roomMain level20'1'' x 11'10''
KitchenMain level10'5'' x 9'3''

Listing Information

MLS®
10397519
Listed
August 19, 2026
Time on market
On the market for 12 days
Data last synced
September 1, 2026

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

Description

Welcome to this charming 2-bedroom, rancher-style home offering comfortable single-level living in a great Kelowna neighbourhood. Featuring a spacious and inviting living area, a well-appointed kitchen, and fresh paint throughout, this home offers a comfortable layout with a few finishing touches underway. The primary bedroom includes a convenient 3-piece ensuite, while the second bedroom provides a comfortable and versatile space for family, guests, a home office, or hobbies. An additional 3-piece bathroom is currently being renovated and will be completed prior to completion. The home offers plenty of storage throughout, along with a functional layout that makes excellent use of the space. Outside, enjoy a nicely landscaped yard with established greenery and plenty of room to relax and garden. Parking includes one covered carport space plus additional driveway parking. Close to a variety of everyday amenities, including shopping, restaurants, groceries, parks and recreational opportunities. Enjoy easy access to Kelowna International Airport, UBC Okanagan, Airport Village, Nester’s Market, local shops and services, and the surrounding trails and green spaces. Mill Creek Regional Park is also nearby, offering beautiful creekside trails and outdoor recreation. A wonderful opportunity for those looking for a comfortable, well-located home with a practical single-level layout and outdoor space to enjoy. (id:63159)

Values & Trends

This listing

$503/sqft

Building average

No other active listings in this building

Ellison average

$538/sqft

15 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

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

4

1/9 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
Ellison ElementaryElementary4.0 km
Aberdeen Hall Preparatory School(Independent)K-125.1 km
HS Grenda Middle SchoolMiddle6.7 km
Peter Greer ElementaryElementary6.7 km
George Elliot SecondarySecondary7.0 km
North Glenmore ElementaryElementary7.3 km
Dr Knox Middle SchoolMiddle7.7 km
Rutland ElementaryElementary8.4 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

Parks (1)

  • Country Rhodes Park618 m

Nearby places data: © OpenStreetMap contributors.

School district: Central Okanagan (SD23)

Mortgage & Ownership Cost Calculator

Minimum required: 5.8% ($34,889) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$479,110.00
Periodic payment — Principal & Interest (monthly)$3,091.06
Additional monthly expenses (strata, tax, utilities, etc.)$512.83
Total monthly cost$3,603.89
Interest paid over 5-yr term$137,314.30
Balance at end of term$430,960.99

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$34,889
Stress test qualifying rate8.09%
Payment you must qualify for$4,336.96

Cash Needed at Closing

Minimum down payment$34,889
Estimated BC PTT$9,978
Legal / closing costs (typical estimate)$1,500
Total cash needed$46,367

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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