A 1910 character home in Fernwood, reimagined as a non-conforming triplex! Three self-contained suites, no shared interior space; each with its own entrance, laundry, private outdoor space, and thoughtful updates. Almost 3,100 finished sq ft, configured for privacy and full of natural light throughout. The front main-floor suite is the period showpiece: a 2-bed/1-bath with soaring ceilings and sunny bay windows. A 2-bed/1-bath wraps the rear main floor and entire upper level - airy including vaulted ceilings and skylights, with an open kitchen and private deck. The garden level is a bright 3-bed/1-bath with an island kitchen and its own large deck. Live in one and rent the rest, or hold all three, grossing $76,800 a year. Ideal for urban families, with elementary, middle, and high schools all within walking distance. A 92 Walk Score, 93 Bike Score, and 82 Transit Score put Fairfield, Downtown, and Oak Bay within easy reach on foot, bike, or bus. Pre-inspection & 3D tour available!