Property Type: Detached HouseOwnership: Freehold

863 Hammer Avenue

Kelowna, BC V1W2B7

$1,149,000

5 bed3.5 bath8 parking2,444 sqftBuilt 1973
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Property Details

Property & Lot

Sub-type
House
Stories
4
Lot size
0.21 acres

Ownership & Fees

Property type
Detached House
Ownership
Freehold
Annual property tax
$4,604.67

Interior

Heating
Forced air, See remarks
Cooling / A/C
Central air conditioning
Fireplace
None
Flooring
Tile, Hardwood, Laminate, Vinyl

Exterior & Lot

View
City view, Mountain view, View (panoramic)

Building

Roof
Asphalt shingle, Unknown

Parking

Total spaces
8 — covered indicated
Features
Attached Garage, RV, See Remarks, Heated Garage, Additional Parking

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
BedroomBasement9'5'' x 11'6''
BedroomBasement9'3'' x 12'10''
MediaBasement9'3'' x 12'3''
Laundry roomBasement11'6'' x 16'3''
Full bathroomLower level6'7'' x 8'2''
Family roomLower level19'2'' x 11'6''
BedroomSecond level9'9'' x 13'1''
BedroomSecond level9'11'' x 13'1''
Full bathroomSecond level8'3'' x 7'2''
Partial ensuite bathroomSecond level5'2'' x 4'6''
Primary BedroomSecond level17'8'' x 18'2''
FoyerMain level6'7'' x 5'10''
Dining roomMain level9'2'' x 11'10''
Living roomMain level14'0'' x 19'3''
KitchenMain level11'9'' x 17'10''

Listing Information

MLS®
10395871
Listed
August 12, 2026
Time on market
On the market for 19 days
Data last synced
August 28, 2026

Listing provided by: Century 21 Assurance Realty Ltd · Data source: CREA DDF.

Description

Welcome to 863 Hammer Avenue, a true Lower Mission family home offering the space, yard, and flexibility that are increasingly hard to find. Set on a 0.21-acre lot, this 5-bedroom plus den/media room home provides plenty of room for a growing family, guests, and a home office. The home has been recently refreshed with updated lighting, new bathroom flooring, and a full exterior repaint of the stucco and trim. The front yard has also been opened up with the removal of the previous fence and extensive yard work, creating a welcoming curb appeal. These updates add to the many improvements completed over the years, including major-ticket items. The split-level design provides natural separation between living spaces and bedrooms, while the den/media room offers added flexibility. A substantial crawl space, conveniently accessed from the laundry room, provides excellent storage. Outside is where this property truly shines. The expansive lot features a large backyard with plenty of room for kids and pets to play, garden, entertain, and enjoy the Okanagan sunshine. A hot tub and outdoor shed add functionality, while generous parking accommodates multiple vehicles, an RV, or boat. There is also ample room to add a pool and create your own backyard retreat. Ideally located close to schools, parks, transit, shopping, everyday amenities, and Okanagan Lake, 863 Hammer Avenue is a home designed to grow with your family for years to come. Full list of improvements available upon request. (id:63159)

Values & Trends

This listing

$470/sqft

Building average

No other active listings in this building

Lower Mission average

$703/sqft

94 active listing(s)

Parking: 8 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

12°C

Clear

Humidity 88%

Wind ENE 5 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
Bellevue Creek ElementaryElementary499 m
Okanagan Mission SecondaryElementary937 m
Canyon Falls Middle SchoolMiddle1.1 km
Anne McClymont ElementaryElementary1.4 km
Dorothea Walker ElementaryElementary1.6 km
Lakeside School Kelowna(Independent)Elementary1.8 km
de l'Anse-au-sableK-122.5 km
Chute Lake ElementaryElementary3.2 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

Parks (1)

  • Mission Ridge Park413 m

Nearby places data: © OpenStreetMap contributors.

School district: Central Okanagan (SD23)

Mortgage & Ownership Cost Calculator

Minimum required: 7.8% ($89,900) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$919,200.00
Periodic payment — Principal & Interest (monthly)$5,930.37
Additional monthly expenses (strata, tax, utilities, etc.)$505.72
Total monthly cost$6,436.09
Interest paid over 5-yr term$263,445.36
Balance at end of term$826,823.37

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$89,900
Stress test qualifying rate8.09%
Payment you must qualify for$8,144.11

Cash Needed at Closing

Minimum down payment$89,900
Estimated BC PTT$20,980
Legal / closing costs (typical estimate)$1,500
Total cash needed$112,380

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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