- Active
317 3rd Street
Vernon · Single Family
- Beds
- 2
- Baths
- 2
- Sqft
- 1,371
- Built
- 1994
Listed by Chamberlain Property Group · MLS® 10402894
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Sign inAbout this home
Welcome to this charming all-one-level, 2-bedroom, 2-bathroom home with a double-car garage in the welcoming 40+ community of Desert Cove. The bright, functional layout offers plenty of room to spread out and add your own creative touches. The nicely appointed kitchen is filled with natural light and flows seamlessly into the family room, with direct access to a covered patio and private backyard — ideal for indoor-outdoor entertaining. A formal dining room and spacious living room round out the main floor, providing plenty of space for gatherings. The generous primary bedroom features a full ensuite, while a second bedroom and full bath offer flexibility for guests or hobbies. Step outside to a lovely yard, ideal for relaxing or gardening in the Okanagan sunshine. This home has been well maintained, the furnace and hot water tank were replaced in 2020 and come with a transferable extended warranty. Desert Cove is known for its friendly atmosphere and active lifestyle, with a full social calendar, exercise programs, clubhouse, indoor pool, hot tub, recreation hall, library, and fitness space. Neighbours walk, bike, and golf-cart throughout the community, and you'll quickly feel the welcoming spirit. The site lease is prepaid to 2068, and RV parking may be available. Walking distance to Spallumcheen Golf and Country Club and just minutes to Okanagan Lake. Easy living in one of the North Okanagan's most desirable adult communities.
Home facts
- Bedrooms
- 2
- Bathrooms
- 2 full
- Interior
- 1,371 sq ft
- Year built
- 1994
- Storey
- 1
- Parking
- 4
- Property type
- Single Family
- Basement
- Crawl space
- Garage
- Yes
- Area
- Swan Lake West
- Style
- Ranch
- Listed
- October 7, 2026
- Structure
- House
- PID
- 000-000-000
- Common interest
- Leasehold
Highlights
- Pool
- Patio
- Private yard
- Hot tub
- Meeting/Party Room
Features and inclusions
- Appliances
- Refrigerator, Range - Electric, Dishwasher, Hood Fan, Washer & Dryer
- Heating
- Forced air
- Cooling
- Central air conditioning
- Roof
- Asphalt shingle, Unknown
- Parking
- Attached Garage
- Community
- Seniors Oriented, Rentals Allowed
Rooms and building
- Sewer
- Septic tank
- Water
- Community Water User's Utility
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
- $2,251
- Property tax
- $142/mo
- Home insurance
- $150/mo
- Estimated monthly total
- $2,543
Purchase snapshot
- List price
- $474,900
- Down payment
- $94,980 (20%)
- Estimated mortgage
- $379,920
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
- $2,848
- 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.
- Agricultural Land Reserve
- In the ALR
- Provincial farmland protection restricts subdivision and non-farm use.
- 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)
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Who lives here
Documents
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Availability is not guaranteed. Review documents with a professional.