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$357,000

682 Cougar Street

Okanagan North, Vernon · MLS® 10400645

3 bed · 3 bath · 2,074 sq ft · 0 sq ft lot · 3 parking

House · Single Family · built 1990 · 23 days on market

Listed by Dan Brunel, Royal LePage Kelowna

Realtor's description

YOUR OKANAGAN LAKE LIFESTYLE AWAITS! Welcome to Parker Cove, a friendly lakeside community on beautiful Okanagan Lake where relaxed living, natural beauty and community come together. This beautifully maintained and extensively updated 3-bedroom, 2.5-bathroom home offers 1,310 sq. ft. of comfortable living, including convenient main-floor living plus two additional bedrooms and a bathroom upstairs—ideal for family, guests, hobbies or a home office. Over $45,000 in recent improvements complement the renovated kitchen and bathrooms, all-new LED lighting and cozy wood-burning stove. Major updates include windows (2022), furnace & A/C (2022), hot water tank (2025), water softener (2022), roof (2018) and mini-split system (2025), providing comfort, efficiency and peace of mind. The unfinished basement offers excellent potential for storage, a workshop or future living space. Outside, enjoy the large front deck—perfect for morning coffee, entertaining or simply relaxing—and a convenient carport. Parker Cove delivers the Okanagan lifestyle, with easy access to Okanagan Lake, nature and nearby Vernon for shopping, dining and recreation. The property features a prepaid lease through 2043, with no monthly lease payments during the prepaid term. An exceptional opportunity for a cash buyer seeking an updated Okanagan home without the burden of major renovations. MOVE IN! SLOW DOWN! ENJOY THE LAKE! LIVE THE OKANAGAN LIFESTYLE!

Property details

Type: House, Single Family
Bedrooms: 3
Bathrooms: 3
Living area: 2,074 sq ft
Lot: 0 sq ft
Parking: 3
Year built: 1990
Property tax: $1,210 / yr
Days on market: 23
MLS®: 10400645

Features

Level lot
Two Balconies
Family Oriented
Washer
Refrigerator
Range - Electric

Price check

2026 assessment: $399,000 · asking is -11%
Price per sq ft: $172 vs $307 median for houses in Okanagan North for sale (42)

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.

Property insights

On market 23 days · no price changes so far

The market here

Listed now: 79 days; median for 393 houses for sale; this one 23 days

Houses in Vernon. Sale prices register 1 to 3 months after a sale closes.

Monthly cost

$1,656/mo

Mortgage $1,555 · Tax $101

20% down at 4.34% fixed (Ratehub.ca), 25 years; tax from the listing.

estimated payment

$1,555/ monthly

loan $285,600

25-year amortization

down payment20% · $71,40020%+ 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: $181,024
property transfer tax: $5,140; BC general rate
cash to close: $76,540; down + PTT
total paid: $466,624

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.

Location

Okanagan North, VernonGoogle Maps ↗

Location

Okanagan North, VernonGoogle Maps ↗

Schools

Catchment schools, Vernon School District 22

Elementary Alexis Park Elementaryhomes in this catchment
13.0 km away · 4205 35 St, Vernon · 250-545-7289
Secondary W.L. Seaton Secondaryhomes in this catchment
13.7 km away · 2701 41 Ave, Vernon · 250-542-3361

From the Vernon School District 22'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.

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