20 Birch Cres is a 3-bedroom, 1-bathroom detached home in Terrace Bay, listed for $114,900. It has 700-1100 sq ft of living space.
1Affordable Living on the Beautiful North Shore of Lake Superior!
2Enjoy the convenience of being within walking distance of the school, swimming pool and local shopping.
3Spend your days exploring beautiful Terrace Bay Beach, Aguasabon Falls and the scenic Lake Superior shoreline, where incredible views are around every corner.
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!
3 bedrooms, 1 bathroom, about 700 sq ft, works out to roughly $164 per square foot. Chat with Zara if you'd like a deeper read on whether this detached fits your budget and timing.
Inside 20 Birch Cres
Every detail from the listing, in one place.
Type
Detached
Style
1 1/2 Storey
Living space
700-1100 sq ftas stated on the listing
Parking
4 spaces
Basement
Full, Unfinished
Features & systems
Parking & garage
Parking spaces
4
Interior
Basement
Full · Unfinished
Lot & land
Lot size (sqft)
0
Listing & possession
Property style
1 1/2 Storey
Property class
Detached
20 Birch Cres Price & Sale History
Earlier listings of this property, list-price changes, and the most recent annual property tax on the listing.
For saleListedThis listingMLS® X14124616$114,900
Sourced from MLS®. Includes earlier listings of this property on record.
What's it worth?
How 20 Birch Cres Compares to the Terrace Bay Market
Zara compares it with recent sales of similar homes nearby. It's a guide, not an appraisal.
Independent mortgage broker · OAC · rates subject to change and underwritingMortgage Squad →
Referral disclosure: Summitly may refer you to Mortgage Squad Advisors, an affiliated mortgage partner. You are free to choose any lender or mortgage professional.
Monthly cost
Enter a rate to see the monthly cost
An estimate, not a quote. Utilities and insurance are extra.
Affordability calculator
Estimated monthly payment
$564
/mo
based on the purchase price of $114,900
$22,980 cash
$91,920 financed
$77,421 total interest
Principal54%$91,920
Interest46%$77,421
20% down · 25-yr amortization · 5.50% rate. Principal & interest only — taxes, condo fees, and insurance not included.
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Figures are Summitly estimates for illustration only — not from TRREB or the MLS® feed, and not a mortgage approval, appraisal, or financial advice.
Rental income potential
Est. monthly rent
low–high
Gross yield
rent × 12 ÷ price
Cap rate (est.)
net of tax + fees
Summitly AI estimate for discussion only — not from TRREB or the MLS® feed, and not an appraisal or investment advice. Yield and cap rate are derived from the estimated rent versus the asking price.
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Mortgage financing is arranged through Mortgage Squad Advisors. Summitly is the technology platform that powers this site. Estimated values, AI insights, calculator results, and rental projections shown on this page are generated by Summitly and are not provided by, reviewed by, or sourced from TRREB, the MLS®, or the listing brokerage; they are not appraisals or opinions of value. The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by the Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. The Coldwell Banker® name and logo are trademarks of Coldwell Banker Real Estate LLC.
Similar homes for sale nearby in Terrace Bay
Other 2–3 bed homes for sale in Terrace Bay around $115K.
Average days on market50Homes sold in about 50 days on average.
Sale-to-list ratio89.2%On average, homes sold below asking.
Active listings29Homes for sale here right now.
Median vs prior 90 days−44.6%Compared with May 1 – Jul 30, 2026: prices down.
Based on 14 sales from Jul 30 – Oct 28, 2026 (5 in the prior 90 days). Aggregate MLS® figures for closed sales; individual sold prices are shown only to signed-in members.
Questions About 20 Birch Cres
How much is 20 Birch Cres listed for?
20 Birch Cres is listed at $114,900 (MLS® X14124616). Summitly updates the price as soon as the MLS® record changes.
Is $114,900 a good price for 20 Birch Cres?
Summitly rates it Above Market: the asking price is 5% to 15% above Zara's estimate, an estimate built from recent sales in Terrace Bay. The rating is an automated opinion, not an appraisal; "What's it worth?" on this page shows how it is worked out. See Zara's estimate
Has the price of 20 Birch Cres changed?
No — 20 Birch Cres is still listed at its original asking price of $114,900.
How many bedrooms and bathrooms does 20 Birch Cres have?
20 Birch Cres has 3 bedrooms and 1 bathroom, with about 700–1,100 square feet of living space. It is a detached home in Terrace Bay.
How much would the monthly mortgage be on 20 Birch Cres?
About $564 a month — principal and interest on $114,900 with 20% down ($22,980), a 25-year amortization and an assumed 5.5% interest rate. The mortgage calculator on this page lets you change the down payment, amortization and rate.
How does 20 Birch Cres compare with other homes in Terrace Bay?
Its asking price of $114,900 is about 16% below the median sold price in Terrace Bay over the last 90 days, $136,200, across 14 closed sales on the TRREB MLS®. A city median mixes every type and size of home, so the comparable sales on this page are the closer guide.
Has 20 Birch Cres been sold before?
Summitly has no earlier MLS® sale or lease of 20 Birch Cres on record from the last two years. Older records aren't shown under TRREB rules.
Where is 20 Birch Cres?
20 Birch Cres is in Terrace Bay, ON. Schools, transit, parks and shops nearby are under Location & lifestyle on this page.
How long has 20 Birch Cres been on the market?
20 Birch Cres was listed today (October 28, 2026).
What is the price per square foot of 20 Birch Cres?
About $104 to $164 per square foot: the asking price of $114,900 over the 700–1,100 sq ft the listing gives as its size range.
Does 20 Birch Cres have parking or a garage?
Yes — the listing gives 4 parking spaces.
Does 20 Birch Cres have a basement, and is it finished?
The listing describes the basement as: Full, Unfinished.
