- Active
441 4th Street
Vernon · Single Family
- Beds
- 3
- Baths
- 2
- Sqft
- 1,500
- Built
- 2005
Listed by Canada Flex Realty Group · MLS® 10403080
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Sign inAbout this home
A Desert Cove beauty! This 2 bed/1 den, 2 bath home has been professionally updated, has a wonderful decor, very well kept, very peaceful and so inviting you'll want to move right in. The attention to detail is stellar, right from the beautiful living room built-ins to the heated sunroom to the kitchen & bathroom cabinets to the built in front porch area. Please take a moment to walk around in the yard and admire the colorful plantings, amazing view and multiple sitting areas to choose from. This property will seriously catch your eye as a place to call home. Desert Cove offers amenities at the Rec Hall: saltwater pool, hot tub, full kitchen, billiards room, exercise space, library and crafting spaces plus full event schedule for social and exercise programs. Please come and have a look, you will love it!
Home facts
- Bedrooms
- 3
- Bathrooms
- 2 full
- Interior
- 1,500 sq ft
- Year built
- 2005
- Storey
- 1
- Parking
- 4
- Property type
- Single Family
- Basement
- Crawl space
- Garage
- Yes
- Fireplace
- 1
- Area
- Swan Lake West
- Style
- Ranch
- Listed
- October 8, 2026
- Structure
- House
- PID
- 000-000-000
- Common interest
- Leasehold
Highlights
- Pool
- Hot tub
Features and inclusions
- Appliances
- Washer, Refrigerator, Water purifier, Water softener, Range - Electric, Dishwasher, Dryer, Microwave, Hood Fan
- Heating
- See remarks
- Cooling
- Central air conditioning
- Flooring
- Hardwood, Carpeted, Vinyl
- Roof
- Asphalt shingle, Unknown
- Parking
- Attached Garage
- Lot
- Central island
- Community
- Seniors Oriented
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
- $2,773
- Property tax
- $167/mo
- Home insurance
- $150/mo
- Estimated monthly total
- $3,089
Purchase snapshot
- List price
- $585,000
- Down payment
- $117,000 (20%)
- Estimated mortgage
- $468,000
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
- $3,508
- 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.