- Active
- Open house Sun, Oct 18
1320 Graham Street
Kelowna · Single Family
- Beds
- 4
- Baths
- 4
- Sqft
- 2,478
- Built
- 2004
Listed by Judy Lindsay Okanagan · MLS® 10383809
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About this home
Located in one of Kelowna North’s most desirable pockets, this fully vacant, exceptional property offers the best of both worlds; minutes from the energy of downtown, yet tucked away enough to enjoy a quiet, private setting. The main home spans 1,618 sq.ft. and features 3 bedrooms, 2 bathrooms, along with two separate living rooms, offering flexibility for families, entertaining, or creating a dedicated work-from-home space. Adding significant value is the detached, carriage home (859 sq.ft.), complete with a single-car garage, its own laundry, 1.5 baths, a spacious kitchen and living area, and an oversized one-bedroom layout with plenty of room for a home office, dressers, and additional storage. Outside, the property truly stands out with ample parking for up to 12 vehicles, along with a fully fenced area ideal for RV or boat storage, an increasingly rare find this close to downtown. This property opens the door to a range of opportunities - perfect for multi-generational living with separate, independent spaces, an excellent option for generating rental income to offset your mortgage, or a compelling investment in a highly sought-after location with strong long-term potential. *Second Level square footage & room measurements apply to the carriage house*
Home facts
- Bedrooms
- 4
- Bathrooms
- 3 full + 1 half
- Interior
- 2,478 sq ft
- Year built
- 2004
- Storeys
- 2
- Parking
- 1
- Property type
- Single Family
- Garage
- Yes
- Area
- Kelowna North
- Listed
- April 20, 2026
- Structure
- House
- PID
- 011-819-316
- Common interest
- Freehold
Features and inclusions
- Heating
- Baseboard heaters, Electric
- Cooling
- Wall unit
- Parking
- Attached Garage
Rooms and building
- Sewer
- Municipal sewage system
- Water
- Municipal water
The information contained on this site is based in whole or in part on information that is provided by members of The Canadian Real Estate Association (CREA), who are responsible for its accuracy. CREA reproduces and distributes this information as a service for its members and assumes no responsibility for its accuracy.
Monthly and upfront costs
Uses the posted 5-year rate (5.19%), 20% down and a 25-year amortization.
Monthly ownership costs
- Principal and interest
- $5,204
- Property tax
- $317/mo
- Home insurance
- $150/mo
- Estimated monthly total
- $5,671
Purchase snapshot
- List price
- $1,098,000
- Down payment
- $219,600 (20%)
- Estimated mortgage
- $878,400
Estimates only. They leave out utilities, upkeep and closing costs.
Borrowing costs
What money costs right now
The rates behind any payment estimate on this page.
- Prime rate
- 4.45%
- Variable mortgages are quoted against this.
- 5 year bond yield
- 3.68%
- Fixed mortgage pricing follows this.
- Policy rate
- 2.25%
- Set by the Bank of Canada.
These are benchmark rates, not mortgage quotes. Your rate depends on the lender, the term, and your file.
Source: Bank of Canada. As of 2026-09-29
Property tax
What the tax bill looks like
Municipal, regional, hospital and school rates combined.
- Estimated annual tax
- $5,226
- At 4.7595 per $1,000 of assessed value.
Estimated by applying the municipal rate to the asking price. Your actual bill is based on the BC Assessment value, which is set separately and usually differs from the sale price. Home owner grants are not included.
Source: Province of British Columbia, Local Government Statistics Schedule 702, 2026. As of 2026-01-01
For investors
As a rental
- Estimated rent
- $2,106 a month
- Gross yield
- 2.3%
Estimated rent from Statistics Canada rents for this area, scaled to the bedrooms. Gross yield is 12 months of that rent over the asking price, before costs.
Neighbourhood
Estimated travel times. Map data © OpenStreetMap contributors.
Climate
What the weather is like in Kelowna
Ten year average, 2016–2025.
- Average temperature
- 9.6°C
- Daily mean across the year.
- Yearly precipitation
- 242 mm
- On the drier side for BC.
- Bright sunshine
- 1,949 h
- Hours of sun a year, 1981–2010 average.
Averaged from the last ten complete years of Environment Canada observations at the nearest principal station, so it reflects the climate as it is now rather than a thirty year normal. Bright sunshine is the exception: it is no longer measured at these stations, so that figure is the long term average.
Source: Environment and Climate Change Canada, monthly climate summaries
Land and hazards
What the maps say about this land
Provincial designations and mapped natural hazards at this location.
- Wildfire interface
- Extreme risk
- In a mapped wildland-urban interface zone. Affects insurance and FireSmart requirements.
Based on where this point falls in provincial map layers, not a site survey or a formal hazard assessment. Confirm with the municipality, a professional, and your insurer before relying on it.
Source: BC Geographic Warehouse (Agricultural Land Commission, BC Wildfire Service)
Most listed
Condo / Apartment · 47%
Who lives here
Documents
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