45 Bernick Crescent, Whitchurch-Stouffville, ON
Stouffville, Whitchurch-Stouffville · MLS® N13812454
About this home
In short
- Welcome to 45 Bernick Crescent, the Stouffville home you've been waiting for.
- Tucked into one of Stouffville's most established, tree-lined neighbourhoods, this 3-bedroom, 3-bathroom home has the space, warmth and charm to make you feel at home...
- The spacious primary suite is a true retreat, with its own ensuite bathroom for the privacy and calm you deserve at the end of a long day.
- Then head downstairs, where the finished basement adds even more to love.
- Neighbours here take pride in their homes, and that sense of community shows. [ Roof & A/C -2024]
Welcome to 45 Bernick Crescent, the Stouffville home you've been waiting for! Tucked into one of Stouffville's most established, tree-lined neighbourhoods, this 3-bedroom, 3-bathroom home has the space, warmth and charm to make you feel at home from the moment you walk in. Whether you're a growing family, a first-time buyer or someone ready for a little more room to breathe, this is the one to see.The main level is made for living. Sunlight fills the space, and a walk-out leads straight to your private deck. Picture summer dinners hot off the grill (the gas BBQ rough-in is already there), weekend get-togethers with friends, and quiet mornings with your coffee. Indoors and out flow together here, so entertaining feels effortless.Upstairs, three comfortable bedrooms offer room for everyone. The spacious primary suite is a true retreat, with its own ensuite bathroom for the privacy and calm you deserve at the end of a long day.Then head downstairs, where the finished basement adds even more to love. A gas fireplace sets the mood for cozy movie nights, and the space is ready to become your family room, home office, play area or hangout zone. Make it whatever your lifestyle needs.The location adds to the appeal. This mature, welcoming community puts schools, daycares, shopping and everyday amenities close by, so errands are quick and life stays simple. Neighbours here take pride in their homes, and that sense of community shows. [ Roof & A/C -2024]
Key facts
- Property type
- Detached, Sidesplit 3
- MLS®
- N13812454
- Bedrooms
- 3
- Bathrooms
- 3
- Size
- 1500-2000 sq ft
- Lot
- 30.87 × 101.26 ft
- Cross streets
- Lori Ave & Stouffer St
- Parking
- 2 garage · 6 parking (attached)
- Basement
- Finished, Walk-Out, Finished with Walk-Out
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Unknown
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $5,923 / 2025
- Days on market
- 27
- Listing brokerage
- The Nook Realty Inc.
Rooms
Broadloom
Ceramic Floor
hardwood floor · combined w/living
broadloom · closet
hardwood floor · fireplace · w/o to balcony
ceramic floor · combined w/kitchen
hardwood floor · 3 pc ensuite · walk-in closet(s)
broadloom · closet
Listed at $979,900, about 7% below our estimate of $1.05M (homes like it typically land between $988K and $1.10M).
Why $1.05M. The typical detached home sold in Stouffville over the past year went for about $1.20M (252 sales). What sets this one apart:
- ▼ Lowers itIt is 1,500 to 2,000 sq ft; the typical home sold here is 2,000 to 2,500.
Total price vs nearby homes. Fair value about $1.05M, learned from recent GTA sales.
The market behind the math:
About 2.8 months of inventory: 53 detached homes for sale in the area against 56 closings in the last 90 days. Under two months favours sellers, over four favours buyers.
Price per square foot: this home lists at $560/sqft against an area asking average of $644/sqft.
- Walk-out basement. Extra light, usable space, and income potential, so the estimate is a conservative floor for it.
How this estimate is builtthe short version
This figure comes from a model built on about 44,000 recent GTA sales. It weighs this home’s tax assessment, size, age, location and features against what homes like it actually sold for, including sales in this neighbourhood.
It never sees the asking price. The 144 most comparable recent sales on their own, adjusted for size, beds, baths and lot, point to about $1.04M. Condition and finishes remain an in-person call.
What the listing highlights2 points to weigh
Claims from the listing, worth confirming in person. I can book you a private showing.
- Finished basement: added living space, worth checking ceiling height and that the work was permitted. Value driver
- Primary suite: a key comfort and resale feature. Lifestyle
Read this with carewhy it’s an estimate, not an appraisal
There were not many closely comparable homes right in Stouffville, so I widened the search to the surrounding area.
Based on 144 comparable homes that sold in Stouffville over the past two years, from 482 closings there.
For sale
For sale
For sale
For sale
For sale
For sale
For sale
For saleNothing closely matching this home is listed nearby right now, so these are the nearest detached listings on the market. Homes like this one have recently closed around $1.05M, which is where my estimate comes from.
Per square foot, these ask about $587/sqft; this home lists at $560/sqft. Size is part of the price story, not just the sticker.
The 5 closest of 8 active listings nearby.
See all comparable homesSold price trend
Median sold price for detached homes in Stouffville: $1.17M in September 2026, down 1% from a year ago, on 249 closings in 12 months.
Line: median sold price, each month averaged with its neighbours and weighted by closings. Bars: closings that month.
Month by month
| Month | Median sold | Closings |
|---|---|---|
| October 2025 | $1.26M | 31 |
| November 2025 | $1.15M | 32 |
| December 2025 | $1.23M | 14 |
| January 2026 | $1.28M | 12 |
| February 2026 | $1.21M | 13 |
| March 2026 | $1.29M | 15 |
| April 2026 | $1.19M | 18 |
| May 2026 | $1.08M | 22 |
| June 2026 | $1.20M | 23 |
| July 2026 | $1.13M | 26 |
| August 2026 | $1.23M | 22 |
| September 2026 | $1.17M | 21 |
Neighbourhood & location
Stouffville, Whitchurch-Stouffville, ON
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
How asking prices compare in the closest areas to this home. Longer bars mean a pricier market.
Typical asking price of active listings of the same type, per area (outliers removed). Whitchurch-Stouffville.
Get the full neighbourhood report (schools, parks, transit & safety) →
Affordability & Mortgage
Income needed assumes a ~32% GDS ratio; weekly is mortgage principal & interest only. Price ÷ income is the home price over the income needed. Fixed reference assumptions so listings compare on equal footing, not a lending decision.
Calculate and customize your mortgage and other expenses
Adjust the down payment, rate, and amortization, and add property tax, condo fees, and heating to see your true monthly cost.
Your numbers
Conventional (20%+ down). Best insured 5-year fixed 4.34% via Ratehub.ca (as of October 19, 2026); conventional rates run a little higher.
Mortgage amount $783,920 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $4,334
- Property tax
- $494
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,828
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $16,073
- Estimated closing costs
- $16,073
Plus your down payment of $195,980. Legal fees, title insurance, and adjustments are extra and vary by deal.
Mortgage stress test
Lenders qualify you at the greater of your rate plus 2% or 5.25%. You do not pay this rate. It just shows you could still handle payments if rates rose, so aim to stay comfortable at this higher number.
Over the full 25 years
At the end of your 5-year term
- Total paid over the term
- $260,066
- Principal paid down
- $95,781
- Interest paid
- $164,285
- Balance remaining
- $688,139
Talk to Team Asgarian about your options
Rates and programs change often. We will connect you with a trusted mortgage professional and build a plan that fits your budget and goals.
Estimates only, not a mortgage quote or pre-approval. Figures use Canadian semi-annual compounding, current minimum down-payment rules, CMHC premium tiers, and Ontario (plus Toronto, when selected) land transfer tax. Actual rates, taxes, insurance, and closing costs vary by lender and property. Confirm every number with your mortgage professional.
Helpful resources
All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of The Nook Realty Inc.. MLS®/PropTx.