Property Type: Condo / ApartmentOwnership: Strata

983 Bernard Avenue Unit# 206

Kelowna, BC V1Y6P7

$399,900

2 bed2 bath1 parking1,481 sqftBuilt 1980
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Amenities

Also listed: Storage - Locker, Other

Property Details

Property & Lot

Sub-type
Apartment
Stories
1

Ownership & Fees

Property type
Condo / Apartment
Ownership
Strata
Strata / maintenance fee
$615/mo
Annual property tax
$2,284.63

Maintenance Fee Includes

WaterGarbageManagementHeat

Also included: Ground Maintenance, Insurance, Other, See Remarks, Reserve Fund Contributions, Sewer

Interior

Heating
Baseboard heaters, Electric, See remarks
Cooling / A/C
Wall unit
Fireplace
Yes (1)
Fireplace type
Gas, Unknown
Flooring
Hardwood

Exterior & Lot

Exterior features
Stucco

Parking

Total spaces
1 — uncovered indicated
Features
Covered

Restrictions & Policies

Pets
Allowed

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

Room Dimensions

RoomLevelDimensions
OtherMain level5'0'' x 13'0''
OtherMain level9'10'' x 16'2''
OtherMain level5'8'' x 3'8''
4pc Ensuite bathMain level7'4'' x 4'10''
4pc BathroomMain level10'10'' x 4'11''
BedroomMain level10'6'' x 11'3''
Primary BedroomMain level12'10'' x 13'0''
KitchenMain level11'0'' x 8'8''
Dining roomMain level10'6'' x 9'4''
Living roomMain level11'5'' x 15'9''

Listing Information

MLS®
10393076
Listed
July 2, 2026
Time on market
On the market for 60 days
Data last synced
August 28, 2026

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

Description

Fully renovated and move-in ready, this nearly 1,500 sq. ft. second-floor condo is ideally situated on the quiet side of the building, just steps from downtown Kelowna’s coffee shops, restaurants, beaches, and amenities. Offering 2 bedrooms and 2 bathrooms, the spacious primary suite features a beautifully renovated ensuite. The large living room is centered around a cozy gas fireplace that can efficiently heat the home throughout the winter and opens onto a covered patio overlooking the peaceful side of the complex. The completely redesigned kitchen offers improved functionality and style, with updated appliances installed in 2024. Brand-new hardwood flooring flows throughout the home, enhancing the bright and well-appointed layout. One covered parking stall is included, along with a large secure storage room conveniently located behind the stall. Pet-friendly strata allowing 2 dogs (20 inch height restriction at the shoulder) or 2 cats allowed. No Age Restriction. (id:63159)

Values & Trends

This listing

$270/sqft

Building average

$304/sqft

1 active listing(s)

Kelowna North average

$700/sqft

157 active listing(s)

Parking: 1 stall(s) includedStorage locker: Included

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

48

7/9 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
Central SecondarySecondary710 m
Central School ProgramsK-12710 m
St Joseph Elementary School(Independent)Elementary794 m
Bankhead ElementaryElementary875 m
The Balsam School(Independent)Elementary1.1 km
A S Matheson ElementaryElementary1.1 km
Glenmore ElementaryElementary2.2 km
Raymer ElementaryElementary2.4 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

Restaurants (5+)

  • Mekong Fresh Asian Cuisine · 1030 Harvey Avenue231 m
  • Swan Pizza348 m
  • Ricky's386 m
  • De Dutch409 m
  • Vintner's Grill497 m

Cafes (4)

  • Continental Breakfast264 m
  • Starbucks364 m
  • Gong Cha391 m
  • The Nook Cafe + Bar · 567 Bernard Avenue785 m

Grocery (3)

  • Nester's Market · 1111 Lawson Avenue275 m
  • Peter's Your Independent Grocer · 1835 Gordon Drive663 m
  • Safeway · 697 Bernard Avenue670 m

Parks (4)

  • Knowles Heritage Park245 m
  • Martin Park275 m
  • Mary Ann Collinson Memorial Park745 m
  • Richmond Park759 m

Gyms (2)

  • GoodLife Fitness687 m
  • Move & Flow · 589 Lawrence Avenue745 m

Pharmacies (2)

  • Paragon Pharmacy290 m
  • Shoppers Drug Mart · 597 Bernard Avenue733 m

Banks & ATMs (3)

  • BMO455 m
  • Beem Credit Union · 598 Bernard Avenue753 m
  • Canadian Western Bank768 m

Nearby places data: © OpenStreetMap contributors.

School district: Central Okanagan (SD23)

Mortgage & Ownership Cost Calculator

Minimum required: 5.0% ($19,995) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$319,920.00
Periodic payment — Principal & Interest (monthly)$2,064.02
Additional monthly expenses (strata, tax, utilities, etc.)$879.39
Total monthly cost$2,943.40
Interest paid over 5-yr term$91,689.99
Balance at end of term$287,769.07

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$19,995
Stress test qualifying rate8.09%
Payment you must qualify for$2,921.34

Cash Needed at Closing

Minimum down payment$19,995
Estimated BC PTT$5,998
Legal / closing costs (typical estimate)$1,500
Total cash needed$27,493

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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