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$350,000

1450 Bertram Street Unit# 319

Kelowna North, Kelowna · MLS® 10392554

2 bed · 2 bath · 961 sq ft · 1 parking

Condo · Single Family · built 1985 · 92 days on market

Listed by Lori Evans, CIR Realty

Affordable downtown living in the heart of Kelowna! This bright and well-maintained home is located in the desirable Carmel Courts Housing Co-operative, a quiet 50+ community within walking distance of shopping, restaurants, parks and the waterfront. Spacious layout with abundant natural light and plenty of storage. Monthly housing charges include building maintenance and management, property insurance, water, heat, electricity, taxes and cable/internet. No rentals and no pets!. Board approval is required for membership. An excellent opportunity for those seeking an affordable, community-oriented lifestyle in a prime downtown location.

Type: Condo, Single Family
Bedrooms: 2
Bathrooms: 2
Living area: 961 sq ft
Parking: 1
Year built: 1985
Strata rules: Pets not Allowed, Seniors Oriented, Rentals Not Allowed
Days on market: 92
MLS®: 10392554

Price per sq ft: $364 vs $703 median for condos in Kelowna North for sale (154)

An estimate from public BC Assessment records, registered sales and the listings for sale right now, not an appraisal. Condition, renovations, views and lot all move real value.

Pets not Allowed
Seniors Oriented
Rentals Not Allowed

On market 92 days

Listed now: 62 days; median for 509 condos for sale; this one 92 days

Condos in Kelowna. Sale prices register 1 to 3 months after a sale closes.

FloodplainNo
Not within a designated floodplain on the provincial floodplain maps. These maps are historical and don't cover every river or the coast.
Source: Province of BC, Mapped Floodplains in BC
Agricultural Land ReserveNo
Not inside the Agricultural Land Reserve on the provincial map.
Source: Agricultural Land Commission, ALR boundary
HeritageNo
Not on the BC Register of Historic Places or in a heritage conservation area.
Source: BC Heritage Branch, historic places and conservation areas

From public government maps, matched to the listing's map pin. Maps can be out of date or miss a lot line; confirm with the municipality.

Catchment schools, Central Okanagan School District 23

Elementary Bankhead Elementaryhomes in this catchment
Middle Dr. Knox Middlehomes in this catchment
Secondary Kelowna Secondaryhomes in this catchment

From the Central Okanagan School District 23's published catchment maps. A catchment gives priority, not a guaranteed seat, and French immersion and choice programs work differently. The district confirms catchment: check with its school locator.

$1,525/mo

Mortgage $1,525

20% down at 4.34% fixed (Ratehub.ca), 25 years.

estimated payment

$1,525/ monthly

loan $280,000

25-year amortization

down payment20% · $70,00020%+ down: no mortgage insuranceinterest rate4.34%Rates from Ratehub.ca (best 5-year fixed and variable), checked Oct 7, 2026. Semi-annual compounding; your lender's rate may differ.amortizationpayment frequency

total interest: $177,475
property transfer tax: $5,000; BC general rate
cash to close: $75,000; down + PTT
total paid: $457,475

Estimates only. Rates change daily and lenders qualify at the stress-test rate; first-time-buyer and newly-built PTT exemptions aren't applied. Talk to a mortgage broker before you offer.

Rent: $2,098/mo
After all costs: $370/mo
Cap rate: 6.5%; yearly net rent ÷ price

Rent / moDown payment %Rate %

Costs: mortgage $1,525 · insurance ~$35 · vacancy 3% · upkeep 5%.

Rent starts at CMHC's average for a 2-bedroom in Kelowna (CMHC Rental Market Survey, October 2025). Averages include long-time tenants, so new leases usually ask more; houses usually rent for more than apartments. 25-year mortgage; rental purchases need at least 20% down.

BC rules for landlords

Short-term rentals are limited to the host's principal residence in most communities. gov.bc.ca
Rent increases are capped once a year at the province's set amount. gov.bc.ca
The speculation and vacancy tax applies in many areas to homes not lived in or rented out. gov.bc.ca
Selling within two years of buying can trigger the BC home flipping tax. gov.bc.ca

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