Property Type: Detached HouseOwnership: Freehold

6400 Spencer Road Unit# 66

Kelowna, BC V1X7T6

$689,900

2 bed2 bath2 parking1,432 sqftBuilt 1992
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Property Details

Property & Lot

Sub-type
House
Stories
1
Lot size
0.13 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Strata / maintenance fee
$282/mo
Annual property tax
$2,431

Maintenance Fee Includes

WaterManagement

Also included: Sewer

Interior

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

Exterior & Lot

Exterior features
Vinyl siding

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
2 — covered indicated
Features
Attached Garage

Room Dimensions

RoomLevelDimensions
Laundry roomMain level5' x 11'2''
Full bathroomMain level5'2'' x 9'6''
BedroomMain level9'6'' x 10'6''
OtherMain level8' x 9'6''
Full ensuite bathroomMain level7'4'' x 9'6''
Primary BedroomMain level11' x 14'
KitchenMain level11' x 11'6''
Dining nookMain level7'6'' x 8'6''
Dining roomMain level11' x 11'
FoyerMain level5' x 7'
Living roomMain level12'6'' x 15'

Listing Information

MLS®
10396283
Listed
July 29, 2026
Time on market
On the market for 33 days
Data last synced
August 28, 2026

Listing provided by: Royal LePage Kelowna · Data source: CREA DDF.

Description

Welcome to Country View Estates! This well-maintained, one-owner rancher offers comfortable one-level living with a double garage and a large, level backyard overlooking the expanse of the valley and Duck Lake. Step inside to a sunken living room featuring a cozy gas fireplace, while the formal dining room across the hall is highlighted by elegant double French doors. The bright kitchen offers ceramic tile flooring, a gas cooktop, built-in oven, microwave, dishwasher, and a convenient pass-through window to the dining room. Adjacent to the kitchen is the breakfast nook featuring tile flooring and sliding glass door providing easy access to the outdoor living space. The spacious primary bedroom also opens directly onto the patio and includes a walk-in closet and a 4-piece ensuite with a combination tub/shower. The second bedroom is equipped with a Murphy bed, and the main bathroom features a double shower. A dedicated laundry room is conveniently located off the double garage. Additional features include a newer high-efficiency furnace, central air conditioning, underground irrigation, and a reverse osmosis water system. The home currently has Poly-B plumbing with copper connections. Built in 1992, this home offers 1,432 sq. ft. of thoughtfully designed living space. Strata fees are $281.83 per month. Enjoy easy, low-maintenance living in a sought-after community with beautiful views and a peaceful setting. (id:63159)

Values & Trends

This listing

$482/sqft

Building average

No other active listings in this building

Ellison average

$540/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.

Nearby Schools

SchoolTypeDistance
Ellison ElementaryElementary4.2 km
Aberdeen Hall Preparatory School(Independent)K-125.4 km
Peter Greer ElementaryElementary6.6 km
HS Grenda Middle SchoolMiddle6.6 km
George Elliot SecondarySecondary6.8 km
North Glenmore ElementaryElementary7.6 km
Dr Knox Middle SchoolMiddle7.9 km
Rutland ElementaryElementary8.7 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: Central Okanagan (SD23)

Mortgage & Ownership Cost Calculator

Minimum required: 6.4% ($43,990) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$551,920.00
Periodic payment — Principal & Interest (monthly)$3,560.80
Additional monthly expenses (strata, tax, utilities, etc.)$556.41
Total monthly cost$4,117.21
Interest paid over 5-yr term$158,181.86
Balance at end of term$496,453.83

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$43,990
Stress test qualifying rate8.09%
Payment you must qualify for$4,966.82

Cash Needed at Closing

Minimum down payment$43,990
Estimated BC PTT$11,798
Legal / closing costs (typical estimate)$1,500
Total cash needed$57,288

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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