Property Type: Detached HouseOwnership: Freehold

654 Armour Crescent

Kelowna, BC V1W1A5

$1,048,700

5 bed3 bath3 parking2,733 sqftBuilt 1971
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Property Details

Property & Lot

Sub-type
House
Stories
2
Lot size
0.29 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,970

Interior

Basement
Crawl space
Heating
Forced air, See remarks
Fireplace
Yes (1)
Fireplace type
Gas, Unknown

Exterior & Lot

Exterior features
Stucco, Vinyl siding

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
3 — uncovered indicated
Features
Street, Additional Parking

Restrictions & Policies

Rentals
Allowed

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

Room Dimensions

RoomLevelDimensions
OtherSecond level8'3'' x 7'10''
OtherSecond level6'4'' x 7'9''
Primary BedroomSecond level13'2'' x 16'9''
Great roomSecond level18' x 13'3''
BedroomSecond level14'10'' x 11'2''
BedroomSecond level13'11'' x 12'1''
4pc BathroomSecond level9'1'' x 7'10''
3pc Ensuite bathSecond level7'5'' x 7'10''
Living roomMain level20'9'' x 13'5''
Laundry roomMain level8'3'' x 7'11''
KitchenMain level15'10'' x 11'5''
Family roomMain level17'5'' x 11'11''
Dining roomMain level6'8'' x 11'11''
BedroomMain level9' x 11'5''
BedroomMain level13'4'' x 13'5''
Full bathroomMain level5' x 7'11''

Listing Information

MLS®
10398179
Listed
August 20, 2026
Time on market
On the market for 11 days
Data last synced
August 28, 2026

Listing provided by: Coldwell Banker Executives Realty · Data source: CREA DDF.

Description

A unique family home on a quiet cul-de-sac, just a short walk from great schools, the beach, H2O Adventure + Sports Centre and more! Imagine gathering with family on the sprawling back deck, enjoying the shade while watching the children run on the expansive lawns. Later, pack up your cooler and head down the beach access one street over for a swim. This is more than a value-priced home in Kelowna's most sought-after neighborhood, it's a chance to give your family an authentic quality of life. Prepare to fall in love as you pull up to this home. It has such timeless charm and architectural appeal. Step inside to discover recent extensive updates that ensure this house is move-in ready. The floor plan offers some unique and very flexible spaces. The two downstairs bedrooms are currently his and hers offices, and the upstairs loft is a TV lounge. How would you use this space? It's a great balance of charming and functional Book your showing today and see for yourself! Floor plans and additional details are available upon request. (id:63159)

Values & Trends

This listing

$384/sqft

Building average

No other active listings in this building

Lower Mission average

$703/sqft

94 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

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

7

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
de l'Anse-au-sableK-12298 m
Dorothea Walker ElementaryElementary763 m
Anne McClymont ElementaryElementary1.4 km
Okanagan Mission SecondaryElementary1.6 km
Bellevue Creek ElementaryElementary1.8 km
Lakeside School Kelowna(Independent)Elementary2.0 km
Casorso ElementaryElementary2.2 km
KLO Middle SchoolMiddle3.1 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 (5+)

  • Hobson Road Beach Access323 m
  • Central Okanagan Sailing Association346 m
  • Lakeshore Road Beach Access358 m
  • Belmont Park564 m
  • Thomson Marsh Park591 m

Nearby places data: © OpenStreetMap contributors.

School district: Central Okanagan (SD23)

Mortgage & Ownership Cost Calculator

Minimum required: 7.6% ($79,870) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$838,960.00
Periodic payment — Principal & Interest (monthly)$5,412.69
Additional monthly expenses (strata, tax, utilities, etc.)$551.17
Total monthly cost$5,963.85
Interest paid over 5-yr term$240,448.35
Balance at end of term$754,647.23

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$79,870
Stress test qualifying rate8.09%
Payment you must qualify for$7,449.96

Cash Needed at Closing

Minimum down payment$79,870
Estimated BC PTT$18,974
Legal / closing costs (typical estimate)$1,500
Total cash needed$100,344

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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