- Active
1603B 45TH Street
Vernon · Single Family
- Beds
- 4
- Baths
- 2
- Sqft
- 2,042
- Built
- 1976
Listed by RE/MAX Vernon Salt Fowler · MLS® 10402352
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Sign inAbout this home
ROOM TO LIVE. INCOME TO HELP. Bursting with space and possibility, this bright 4-bedroom, 2-bathroom South Vernon half duplex sits on a large, oversized 0.14-acre lot and offers real flexibility for growing families or savvy buyers alike. The main living area feels warm and welcoming, with two bedrooms, a full bathroom, and an open kitchen, dining and living space that spills into a sunny sunroom. The suite below adds even more value, with an additional bedroom, shared laundry, and a one-bedroom, one-bathroom suite featuring its own living room and kitchen. Outside, the large private backyard is made for enjoying every Okanagan season, with lots of garden space, a fire pit, and powered outbuildings — including 240-volt power to the shed closest to the home — ready for hobbies or projects. A carport, garage potential, and generous parking round out this practical package, all just minutes from schools, groceries, gas, transit, town and the lake. This is a home built for comfortable living today, with plenty of room to grow into tomorrow.
Home facts
- Bedrooms
- 4
- Bathrooms
- 2 full
- Interior
- 2,042 sq ft
- Year built
- 1976
- Storeys
- 2
- Parking
- 4
- Property type
- Single Family
- Carport
- Yes
- Area
- South Vernon
- Listed
- October 1, 2026
- Structure
- Duplex
- Frontage
- 36 feet
- PID
- 002-125-731
- Common interest
- Freehold
Highlights
- Private yard
Features and inclusions
- Appliances
- Washer, Refrigerator, Dishwasher, Range, Dryer, Hood Fan
- Heating
- Forced air
- Cooling
- Central air conditioning
- Flooring
- Mixed Flooring
- Roof
- Asphalt shingle, Unknown
- Parking
- Carport, RV, Street, Oversize
- Lot
- Level lot, Private setting, Balcony
- Community
- Family Oriented, Pets Allowed, Rentals Allowed
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
- $2,512
- Property tax
- $158/mo
- Home insurance
- $150/mo
- Estimated monthly total
- $2,820
Purchase snapshot
- List price
- $529,900
- Down payment
- $105,980 (20%)
- Estimated mortgage
- $423,920
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
- $3,178
- At 5.9974 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
Neighbourhood
Estimated travel times. Map data © OpenStreetMap contributors.
Climate
What the weather is like in Vernon
Ten year average, 2016–2025.
- Average temperature
- 9.1°C
- Daily mean across the year.
- Yearly precipitation
- 345 mm
- On the drier side for BC.
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.
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
Townhouse · 25%
Who lives here
Documents
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