Property Type: Detached HouseOwnership: Freehold

7185 Old Kamloops Road

Vernon, BC V1H1W6

$1,429,000

3 bed3.5 bath2 parking1,989 sqftBuilt 2003
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Property Details

Property & Lot

Sub-type
House
Stories
1.5
Lot size
0.6 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,441.7

Interior

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

Exterior & Lot

Exterior features
Stucco
View
Lake view, View (panoramic)
Waterfront
Waterfront on lake
Pool
Above ground pool

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
2 — covered indicated
Features
Attached Garage

Room Dimensions

RoomLevelDimensions
OtherMain level20'0'' x 19'5''
2pc BathroomSecond level
4pc BathroomMain level
3pc Ensuite bathMain level
BedroomMain level9'0'' x 10'2''
BedroomMain level9'9'' x 11'10''
Primary BedroomMain level15'6'' x 11'10''
Family roomSecond level23'6'' x 15'5''
KitchenMain level13'6'' x 11'0''
Dining roomMain level9'7'' x 10'0''
Living roomMain level14'2'' x 17'2''

Listing Information

MLS®
10396146
Listed
August 5, 2026
Time on market
On the market for 26 days
Data last synced
August 28, 2026

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

Description

Waking up with the Birds becomes a reality when you live on this quiet .6-acre property with 172 ft on Swan Lake! Enjoy the natural, protected shoreline with rushes and birds - even a nesting Osprey! Launch your kayak or canoe from the dock for a quiet morning or sunset glide! Lovely landscaping with raised gardens, lawn area for children and firepit for evening gatherings! Irrigation for easy maintenance. Salt-water above ground pool right off the large lakeview decks! Super comfortable home features lots of windows and flows seamlessly to the deck and backyard! Bright open plan with 2 bedrooms, office, 2 baths on the main level. Super bonus room and bath, on the upper-level doubles as TV/family room or sleeping/playroom for many grandchildren! Easy access 5ft crawl space to store everything! Attached double garage and lots room for RV and company parking! Guests will surely linger once they settle into the 611 sq ft detached guest cottage with high ceilings and private laundry! The 18’ x 36’ shop has concrete floors, overhead door and 240 wiring. All this space and nature and the City of Vernon is just 5 or 6 minutes away! (id:63159)

Values & Trends

This listing

$718/sqft

Building average

No other active listings in this building

Swan Lake West average

$379/sqft

21 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

18°C

Humidity 66%

Wind ESE 16 km/h

Tonight

11°

Tuesday

27°

Tuesday night

14°

Wednesday

24°

Wednesday night

13°

Thursday

19°

Source: Environment and Climate Change Canada.

Population

44,519

(2021 Census)

+11% since 2016

Density: 461.7/km²

Dwellings: 21,287

Median household income: $73,500

After-tax: $66,500

Immigrant population: 12.4%

Top countries of origin (% of total population)

  • United Kingdom2.3% · 1,030
  • Germany1.2% · 550
  • United States of America1% · 450
  • India0.8% · 355
  • Philippines0.7% · 315
  • Netherlands0.6% · 270
  • Poland0.3% · 150
  • South Africa, Republic of0.3% · 125

Source: Statistics Canada, 2021 Census of Population.

Nearby Schools

SchoolTypeDistance
Vernon Christian School(Independent)K-121.6 km
B X ElementaryElementary4.3 km
Pleasant Valley Christian Academy(Independent)Elementary/Middle4.5 km
Harwood ElementaryElementary4.5 km
Alexis Park ElementaryElementary4.9 km
W.L. Seaton SecondarySecondary4.9 km
Silver Star ElementaryElementary5.6 km
Ecole Beairsto ElementaryElementary5.6 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: Vernon (SD22)

Mortgage & Ownership Cost Calculator

Minimum required: 8.3% ($117,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$1,143,200.00
Periodic payment — Principal & Interest (monthly)$7,375.54
Additional monthly expenses (strata, tax, utilities, etc.)$469.14
Total monthly cost$7,844.68
Interest paid over 5-yr term$327,644.41
Balance at end of term$1,028,312.10

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$117,900
Stress test qualifying rate8.09%
Payment you must qualify for$10,081.90

Cash Needed at Closing

Minimum down payment$117,900
Estimated BC PTT$26,580
Legal / closing costs (typical estimate)$1,500
Total cash needed$145,980

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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