20 Birch Crescent, Terrace Bay, ON

$114,900
MLS#:X14124616
3 beds
1 baths
700-1100 sqft
4.0 parking
Residential Freehold
Residential Freehold for sale - 3 Bed, 1 Bath Home at 20 Birch Crescent Terrace Bay ON listed at $114,900 (MLS# X14124616) - Main View
For Sale
Added:Oct 28, 2026(today)
Updated:Oct 28, 2026(today)
Last Checked:4 minutes ago

Property Highlights

Welcome to this remarkable 1 1/2 Storey detached located in the coveted neighborhood of Terrace Bay. Expertly crafted featuring premium vinyl siding construction, this residence presents an exceptional opportunity offered at $114,900 to acquire a beautiful home in a highly sought-after setting. Designed for both comfortable daily living and elegant entertaining, the layout maximizes natural light, functional flow, and lifestyle utility.

  • 3 Bedrooms and 1 Bathroom
  • Generous living space spanning 700-1100 sqft on a premium 58.8 x 121.8 ft lot
  • Features a full, unfinished basement, adding superb versatility for recreation, a home gym, or extra storage
  • Ample parking with 0.0 garage spaces (4.0 total parking spaces)
  • Notable attributes: Primary Bedroom - Main Floor, Carpet Free
  • Efficient forced air heating via electric

Description

Affordable Living on the Beautiful North Shore of Lake Superior! Discover the peaceful lifestyle of Terrace Bay with this move-in-ready 3-bedroom, 1.5-storey home situated on a quiet residential crescent. Backing onto undeveloped property, this home offers a wonderful sense of privacy and tranquility, with no immediate rear neighbours and a great setting for families, retirees or anyone looking to escape the hustle and bustle of city living. Enjoy the convenience of being within walking distance of the school, swimming pool and local shopping. Nestled along the shores of magnificent Lake Superior and surrounded by the rugged beauty of the Canadian Shield, Terrace Bay is a nature lover's paradise, offering breathtaking scenery, spectacular hiking trails, fishing, kayaking, boating and endless outdoor adventures. Spend your days exploring beautiful Terrace Bay Beach, Aguasabon Falls and the scenic Lake Superior shoreline, where incredible views are around every corner. Located approximately two hours east of Thunder Bay along the Trans-Canada Highway, Terrace Bay offers the charm of small-town living while keeping city amenities within reach. An affordable opportunity to enjoy a quieter pace of life in one of Northern Ontario's most scenic communities!

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Property Summary

This detached home located at 20 Birch Crescent, Terrace Bay is currently for sale and has been available for 0 days. This property is listed at $114,900 with an estimated mortgage of $382* per month. It has 3 beds, 1 bathroom, and is 700-1100 square feet. 20 Birch Crescent, Terrace Bay

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* Estimated mortgage assumes a 30% down payment, 4.00% interest rate, and 30-year amortization.
Is this a Good Home for Families?

Yes! Featuring 3 bedrooms and 1 bathroom, this home offers ample space and comfort for growing families in Terrace Bay.

Highly Recommended for Families
What We Love About This Home
  • •3 spacious bedroom layout offering versatile living space
  • •1 well-appointed bathroom
  • •700-1100 sqft of generous functional square footage
Standout Features & Layout
Who Should Buy This Home?

Families, couples, or downsizers looking for a well-proportioned home in Terrace Bay.

Target Buyer Match

Key Features

Bedrooms
3
Bathrooms
1
Kitchens
1
Living Area
700-1100 sqft
Property Type
Residential Freehold

Additional Details

StatusActive
Price$114,900
AddedOct 28, 2026 (today)
UpdatedOct 28, 2026 (today)
Last Checked4 minutes ago
Transaction TypeFor Sale
List Office NameCentury 21 Superior Realty Inc.

Property Details

Property Sub-TypeDetached
Architectural Style1 1/2 Storey
ConstructionVinyl Siding
BasementFull, Unfinished
Lot Size58.8 Ă— 121.8 Feet
CountyThunder Bay
Annual Tax$1,717
Rental ItemsTo be assumed if any
Legal DescriptionPCL 15149 SEC TBF; LT 152 PL M121 STREY; TERRACE BAY pin #624570152

Parking & Garage

Parking Total4.0
Parking Space4
Garage Parking0.0
Garage TypeNone

Heating & Cooling

Heat SourceElectric
Heat TypeForced Air
CoolingNone

Features

Property Features

None listed

Interior Features

  • Primary Bedroom - Main Floor
  • Carpet Free

Security Features

None listed

Community Features

None listed

Property History

No historical data available for this property.

This could be the first listing for this address.

Terrace Bay Home Buyer Advisory & Market HubActive MLS® Listing in Terrace Bay, Ontario

Looking to Buy a Home in Terrace Bay?

If you are looking for a house in Terrace Bay or researching Terrace Bay real estate for sale, this 3-bedroom detached at 20 Birch Crescent, Terrace Bay, ON offers an exceptional opportunity to buy a home in Terrace Bay, Ontario. Whether you are a first-time Terrace Bay home buyer or comparing active Terrace Bay MLS® homes for sale, working with a dedicated Terrace Bay buyer agent ensures you receive priority showing access, unrepresented buyer protection, and aggressive price negotiation.

Terrace Bay Homes for Sale & MLS® Listings

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Dedicated Terrace Bay Buyer Agent

Under Ontario REBBA/TRESA regulations, the listing brokerage is legally bound to the seller's financial interests. Work with an experienced Terrace Bay realtor & real estate broker who represents you 100%—at zero cost to you as a buyer.

Terrace Bay Buyer Budget & Costs

Estimated mortgage: $382*/month*. Estimated Ontario Land Transfer Tax: $874. First-time Terrace Bay home buyers may qualify for up to $8,475 in rebates.

Frequently Asked Questions: Buying a Home in Terrace Bay

Frequently Asked Questions about 20 Birch Crescent, Terrace Bay, ON

Q.What is the asking price for 20 Birch Crescent, Terrace Bay, ON ?

The current listing price for 20 Birch Crescent, Terrace Bay, ON in Terrace Bay is $114,900.

Q.How many bedrooms and bathrooms does this property have?

This property features 3 bedrooms and 1 bathroom across approximately 700-1100 sqft.

Q.What property type and architectural style is 20 Birch Crescent, Terrace Bay, ON ?

20 Birch Crescent, Terrace Bay, ON is a Detached (1 1/2 Storey) featuring a Full, Unfinished basement.

Q.What interior features are included in this home?

Interior highlights include: Primary Bedroom - Main Floor, Carpet Free.

Q.Is parking available at this property?

Yes, this property offers parking space for 4.0 vehicles (None).

Q.What heating and cooling systems are installed?

Heating is provided via Electric and cooling via None.

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20 Birch Crescent, Terrace Bay, ON

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Neighborhood Safety Index

Neighborhood Safety & Crime Analytics

Terrace Bay, Terrace Bay

SAFETY RATING9.4 / 10
Low Incident Area
Total Annual Incidents35 incidents / yr
Average Per Month2.9 incidents / mo
Population BenchmarkArea Average residents
Personal Safety
Very Low

8 assaults (30.0/100k)

Property Security
Very Low

8 B&E (30.0/100k)

Auto Theft Risk
Low Risk

10 thefts (35.0/100k)

1-Year Trend
â–Ľ 6%

Improving vs previous year

How Per-Capita Rate (Per 100,000 Residents) Is Calculated:

Formula: (Annual Occurrences / Population) Ă— 100,000. This standard policing calculation normalizes incident frequencies across different population sizes, allowing accurate safety comparisons between quiet residential pockets and dense urban centres.

Source: Official Police Services ArcGIS Open Data
Halton & GTA Police Network

Disclaimer: Crime and safety analytics are compiled from official municipal and regional police open data records for general consumer informational and demographic research purposes only. Data is deemed reliable but is not guaranteed and does not constitute a legal representation or guarantee of future safety.

Pricing & Value Insights

Data-driven valuation for 20 Birch Crescent, Terrace Bay, ON P0T 2W0

Estimated Sales Range
$109,000 - $113,000

Based on 0 recent similar sales in the pocket.

Market Speed
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Properties in this area are selling at a steady pace.

Market Trend
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Mortgage & Affordability Audit

Calculate your monthly payment, minimum downpayment, and land transfer taxes for this home in Terrace Bay.

Configure Loan Settings

Interest Rate4.00%
Down Payment$34,470 (30.0%)
* Minimum Canadian down payment required for this price is $5,745.
Amortization Period30 Years
Estimated Monthly Payment$382Based on a loan of $80,430 over 30 years.
Purchase Price$114,900
Loan Amount$80,430
Provincial Land Transfer Tax:$874
Total Estimated Closing Taxes:$874

About Purchasing a Home in Terrace Bay, ON

For a property listed at $114,900 in Terrace Bay, the legal minimum down payment is $5,745 under current Canadian banking regulations. This calculation applies a 5% requirement on the first $500,000, 10% on the next $499,999, and a flat 20% on any amount exceeding $1,000,000.

Additionally, buyers in Ontario must budget for the Provincial Land Transfer Tax, which is estimated at $874 for this transaction. As this listing is in Terrace Bay (outside the City of Toronto), no additional municipal land transfer tax is levied, resulting in total estimated land transfer taxes of $874.

Terrace Bay Neighborhood Guide

Comprehensive city-wide demographics, local real estate stats, and school rankings for Terrace Bay.

Verified Local Data
City Population202,022
City Median Age42.4 Yrs
City Ownership78% Owners
Avg Area List Price$162,254

People & Families

Age Distribution

Household Composition

One-person households
18%
Families with children
50%
Couples without children
27%
Other households
5%

Top Ethnic Origins

Chinese30%
Iranian11%
Canadian8%
Italian7%

Best Schools in Terrace Bay

Elementary Schools

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Secondary Schools

No secondary schools data loaded.

Terrace Bay Demographic Home information

Structural Home Types

Tenure (Ownership vs Rental)

Owner-Occupied78%
Rented22%

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Notice: Market Insights are generated by analyzing real-time data and should be used for informational purposes only. Consult with a licensed professional for exact valuations.

Disclaimer: AI Insights are generated by an automated system and should be used for informational purposes only. While we strive for accuracy using current market data and deep-learning models, these assessments do not constitute professional real estate, legal, or financial advice. All property values, predictions, and scores are estimates. We strongly recommend verifying all property details and conducting independent due diligence with a licensed professional before making any purchase decisions.

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