$889,900 - 8 Fernwood Terrace, St. Catharines
Detached for Sale in St. Catharines
43 days on market- MLS Number
- X13100170
- Property Type
- Detached
- Status
- active
- Days on Site
- 43
- Bedrooms
- 4
- Bathrooms
- 4
- Square Feet
- 1,100 - 1,499 sqft
- Neighbourhood
- St. Catharines
- Listing Brokerage
- REVEL Realty Inc., Brokerage
Tucked away on a quiet cul-de-sac in the prestigious Glenridge community, 8 Fernwood Terrace is a meticulously maintained 4-level sidesplit situated on an expansive 54 x 185-foot pie shaped lot. The interior features a bright, open-concept main floor with a large kitchen equipped with stainless steel appliances and a living room anchored by a cozy gas fireplace. For effortless daily living, the main floor also includes laundry and a patio door that leads directly to your backyard retreat. The upper-level features 3 bedrooms and a primary bath that includes a double sink and the added comfort of in-floor heating. Designed for versatility, the home offers a separate entrance leading to an updated lower level with a 2-piece bath and a large rec room. Going down to the 4th level, a 4th bedroom, a second kitchen, an updated full bathroom, and a second laundry area-creating an ideal setup for a private in-law suite. This home offers peace of mind with a newer roof (4 years) and an owned hot water heater. Your backyard is a true resort-style oasis, featuring a large in-ground swimming pool, an expansive covered patio for outdoor dining, and a pool house complete with its own sauna and bathroom. Complemented by an attached garage and a deep driveway with parking for 4+ vehicles, this property offers a rare combination of lifestyle flexibility and modern updates in one of St. Catharines' most sought-after neighbourhoods. This prime location offers the ultimate convenient living, located just minutes from the Pen Centre, Brock University, and top-tier golf courses, with a short drive connecting you to the refined wineries of Niagara-on-the-Lake, the scenic shores of Port Dalhousie, and the world-class entertainment of Niagara Falls.
Estimate your monthly payments for this property
Estimated Payment
$4,565.65/mo
Includes CMHC insurance ($24,828)
5-yr fixed avg.
Rates shown are estimates based on typical Ontario 5-year fixed rates. Canadian mortgages use semi-annual compounding as required by law. CMHC insurance applies to purchases under $1.5M with less than 20% down. Estimated property tax uses an approximate 0.85% rate. Contact us for current rate options and pre-approval.
Discover St. Catharines
St. Catharines is a vibrant community in the Greater Toronto Area, offering excellent amenities, schools, and transportation options. This area is popular with families and professionals seeking a balanced lifestyle with access to urban conveniences and natural spaces.
Why Live in St. Catharines
- •Convenient location in St. Catharines
- •Access to local shops and dining
- •Good public transit connections
- •Community parks and green spaces
- •Well-maintained neighbourhoods
Nearby Schools
Transit & Commuting
- •MiWay bus routes throughout the area
- •GO Transit stations within driving distance
- •Easy highway access to 401/403/QEW
- •Walking distance to local amenities
Parks & Amenities
- •Local parks and recreational facilities
- •Community centres
- •Shopping plazas nearby
- •Restaurants and cafes
Lifestyle & Community
St. Catharines offers a wonderful quality of life with a mix of residential charm and urban convenience. Residents enjoy easy access to schools, parks, and shopping, making it an ideal location for families and professionals alike.
8 Fernwood Terrace, St. Catharines
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Monthly Cash Flow Breakdown
Note: These are estimates only. Actual figures may vary based on market conditions, property condition, and other factors. Consult with a financial advisor for personalized advice.
Joe's Thoughts
Honest perspective from 30+ years of GTA real estate experience
Fair Market Value
At $809/sqft, this property is priced in line with current St. Catharines market conditions. The pricing suggests the seller has done their homework. We may have modest room for negotiation, typically 2-4% in today's market.
Market Position
At 43 days on site, this property has had reasonable exposure. It hasn't sold immediately (which often indicates overpricing), but isn't languishing either. There's likely room for a 3-5% negotiation from asking price.
Detached Home Advantages
Detached homes in St. Catharines are increasingly scarce and valuable. You'll have no shared walls, full control over renovations, and typically stronger appreciation. Consider the lot size and potential for future additions or basement apartment income. Detached homes also offer the most flexibility for growing families.
Family-Friendly Layout
4 bedrooms hits the sweet spot for most families. You'll have room for 2-3 children plus a home office or guest room. This is the most sought-after configuration for families relocating to St. Catharines. Good resale value as demand remains consistent.
Bathroom Count Matters
With 4 bathrooms, morning routines are much smoother. Multiple bathrooms significantly improve daily livability and are a major selling point for resale. Buyers consistently pay more for adequate bathroom counts - this is a strong feature.
Investment Perspective
Looking at this as an investment: St. Catharines properties have averaged 5-7% annual appreciation over the past decade. Your estimated monthly carrying costs would be around $3,708 (mortgage, taxes, insurance). Consider whether you're comfortable with this as both a home and a financial commitment.