Desert Cove Estates Homes for Sale – Vernon 40+ Community

Every home for sale at Desert Cove Estates is shown above, straight from the MLS and updated daily. Call or text Sarah, my assistant, at 604-227-4810 (free, 24/7) and we'll let you know when a new one comes up.

About Desert Cove Estates

Desert Cove Estates is an adult community of one-level bungalows just north of Vernon, off Highway 97 between the Spallumcheen Golf Course and the north end of Okanagan Lake. The website describes it as a 40+ community, and it's popular with retirees who want a quiet, well-kept neighbourhood with a golf course next door.

Homes are mostly single-level bungalows with double garages, on lots of about 60 by 100 feet.

How buying here is different

Desert Cove is on leased land on Okanagan Indian Band reserve land, so you buy a home and a sublease on the lot, not freehold land. That changes a few things:

• The lease term: the developer's website says the head lease runs to 2068. I'll confirm the exact term and how many years are left for any home you're looking at, because that affects value and financing.
• Monthly fee: the developer lists $385 to $533 a month, covering water, RV parking, road maintenance, garbage removal, landscaping of common areas, the recreation centre, trails and street lights.
• GST and taxes: the developer says there's no GST on homes here and that property taxes are lower than in the City of Vernon.
• Financing: not every lender finances leasehold homes on reserve land, and those that do look closely at the years left on the lease. Talk to a mortgage broker early.

Amenities

• A recreation centre with an indoor saltwater pool and hot tub
• An exercise room, games room, library, craft room, kitchen and a hall for dances and events
• Walking trails and RV parking
• The Spallumcheen Golf Course right next door

Desert Cove at a glance

Like much of the Okanagan, this area has been under wildfire alerts in recent summers, including an evacuation order in 2021. Call your insurance broker early when you're buying here, as you would anywhere in the valley.

Getting around from here

Drive times are estimates without traffic.

Questions buyers ask me

Where is Desert Cove Estates?

Just north of Vernon, off Highway 97, between the Spallumcheen Golf Course and the north end of Okanagan Lake. It's about 18 minutes to downtown Vernon.

Is Desert Cove an adult community?

Yes. The developer describes it as a 40+ adult community. I'll confirm the current age rules before you make an offer.

Do I own the land at Desert Cove?

No. It's leasehold. You buy the home and a sublease on the lot, on Okanagan Indian Band reserve land. The developer's website says the head lease runs to 2068, and I'll confirm the exact term for any home you're considering.

What are the monthly fees at Desert Cove?

The developer lists $385 to $533 a month, which covers water, RV parking, road maintenance, garbage removal, common landscaping, the recreation centre, trails and street lights.

Can I get a mortgage on a Desert Cove home?

Often, yes, but not every lender finances leasehold homes on reserve land, and the years left on the lease matter. Talk to a mortgage broker before you start looking.

Selling at Desert Cove?

If you're thinking about selling, I can tell you what your home is worth in today's market and what buyers here are looking for. Here are the questions sellers ask me most.

What is my home at Desert Cove worth?

I'll prepare a comparative market analysis using recent sales of similar homes nearby, adjusted for size, condition, updates and views. It's free and there's no obligation. Request a free home valuation or call or text Sarah, my assistant, at 604-227-4810.

How long does it take to sell at Desert Cove?

That depends on price, condition and the season. When we meet, I'll show you how long similar homes have been taking to sell right now, and how pricing affects it.

Should I sell before I buy my next home?

It depends on the market and your finances. Selling first gives you certainty; buying first lets you take your time. I'll help you plan the timing, including subject-to-sale offers and bridge financing options.

What does it cost to sell a home in BC?

Commission in BC is always negotiable. My standard fee is 6% on the first $100,000 of the sale price and 3% on the balance, plus GST, shared equally with the brokerage that brings the buyer. On an $800,000 sale, for example, that's $6,000 + $21,000 = $27,000 plus GST. That covers a lot of work behind the scenes, from me and from the technology I put in place, all aimed at getting you the best price and the easiest possible sale. Your other costs are legal or notary fees and any mortgage discharge costs or penalties. In BC the buyer, not the seller, pays property transfer tax. I'll give you a net-proceeds estimate before you list.

Thinking of buying or selling at Desert Cove?

I'm Sean Phillips, a REALTOR® with Coldwell Banker Executives Realty in Vernon. Call or text Sarah, my assistant, at 604-227-4810 any time to set up a tour, a same-day price check or a free home valuation. When you're ready to write an offer or list your home, call me directly at 778-363-0542.

More Vernon neighbourhoods

• Gracelands (55+)
• Harwood
• Swan Lake West
• BX & acreages
• The Outback

See every Vernon & Coldstream neighbourhood and complex in my Neighbourhood Guide