13123 Mccowan Road, Whitchurch-Stouffville, ON
Rural Whitchurch-Stouffville, Whitchurch-Stouffville · MLS® N12951180
About this home
In short
- A once-in-a-generation opportunity to own an extraordinary private estate in Rural Whitchurch-Stouffville, set on approximately 42.35 acres at McCowan Rd & Bethesda...
- Behind a gated, tree-lined, solar-lit drive awaits a truly spectacular retreat featuring 3 bass-filled ponds, including 2 ponds of approximately 2 acres each, a sandy...
- Two legal dwellings and multiple outbuildings elevate the property's versatility, including an impressive 60' x 40' party room with deck overlooking the south pond...
- The main residence offers an unforgettable Muskoka-inspired lifestyle with panoramic water views, a large tiered backyard deck, a serene lily pond setting, and a...
- Exceptionally private yet just minutes to Stouffville and Highway 404, this is a landmark estate that seamlessly blends luxury, recreation, nature, and resort-style...
A once-in-a-generation opportunity to own an extraordinary private estate in Rural Whitchurch-Stouffville, set on approximately 42.35 acres at McCowan Rd & Bethesda Side Rd, where the character of the area is defined by country living, natural beauty, golf, equestrian uses, and easy access to urban amenities. Behind a gated, tree-lined, solar-lit drive awaits a truly spectacular retreat featuring 3 bass-filled ponds, including 2 ponds of approximately 2 acres each, a sandy beach, 2 waterfalls, artesian springs, mature forest, winding trails, extensive wildlife, perennial gardens, and a rare private golf experience with 9 tee locations and artificial greens. Two legal dwellings and multiple outbuildings elevate the property's versatility, including an impressive 60' x 40' party room with deck overlooking the south pond, plus a heated workshop for hobby, business, or storage use. The main residence offers an unforgettable Muskoka-inspired lifestyle with panoramic water views, a large tiered backyard deck, a serene lily pond setting, and a stunning primary loft retreat with 5-piece ensuite, soaker tub, walk-in closet, and walk-out to a rooftop deck. Exceptionally private yet just minutes to Stouffville and Highway 404, this is a landmark estate that seamlessly blends luxury, recreation, nature, and resort-style living into one irreplaceable property.
Key facts
- Property type
- Detached, Bungaloft
- MLS®
- N12951180
- Bedrooms
- 3+2 (5 total)
- Bathrooms
- 4 (1 half)
- Size
- 3000-3500 sq ft
- Lot
- 42.35 × 42.35 ft
- Cross streets
- Bethesda Rd /Mccowan Rd
- Parking
- 2 garage (attached)
- Driveway
- Circular Drive
- Basement
- Finished, Walk-Out
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Aluminum Siding
- Foundation
- Concrete Block
- Roof
- Asphalt Shingle
- Sewer
- Septic
- Property tax
- $18,392 / 2025
- Days on market
- 200
- Listing brokerage
- BAY STREET GROUP INC.
Rooms
overlook water · 5 pc ensuite · w/o to balcony
centre island · b/i appliances · pot lights
w/o to patio · picture window · overlooks backyard
B/I Shelves
double closet · b/i shelves
Picture Window
picture window · double closet · b/i shelves
hardwood floor · double closet · b/i shelves
stone fireplace · hardwood floor · beamed ceilings
fireplace · w/o to yard
4 pc ensuite · hardwood floor · double closet
w/o to water · 3 pc bath
Listed at $9,990,000. Going by how homes in Rural Whitchurch-Stouffville and the wider GTA have actually closed against their asking prices (about 95%, 24 local closings in 90 days), the likely sale price is near $9.52M, if it sells. A realistic range is $8.92M to $10.73M.
Independent value check: no figure for this home. Going only by the sales record, our model lands more than 25% below the ask. At that distance an automated figure has rarely been close to the eventual sale price, so we are not printing one. The usual reason is something the record cannot show: a rebuild, a second unit, or a lot or setting unlike the homes around it.
Longer on the market than typical. 200 days on the market against about 56 for homes like it here, and asking 370% above where comparable closings put it.
Total price vs nearby homes. Likely closing about $9.52M, from 24 recent closings in this pocket.
The market behind the math:
About 0.9 months of inventory: 7 detached homes for sale in the area against 24 closings in the last 90 days. Under two months favours sellers, over four favours buyers.
Price per square foot: this home lists at $3,074/sqft against an area asking average of $847/sqft.
- Walk-out basement apartment features. A finished 2 bed walk-out basement apartment. A self-contained space for extended family, guests or potential income. In Rural Whitchurch-Stouffville basements rarely rent out (5 of 77 recent detached leases were basement units), so buyers here treat a suite as family or nanny space rather than income. Value it for the living space, not the rent. Second-suite retrofit status is not verified. A buyer intending to rent should confirm requirements with the Town of Whitchurch-Stouffville.
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 24 most comparable recent sales on their own, adjusted for size, beds, baths and lot, point to about $2.59M. Condition and finishes remain an in-person call.
What the listing highlights1 point to weigh
Claims from the listing, worth confirming in person. I can book you a private showing.
- Primary suite: a key comfort and resale feature. Lifestyle
Based on 24 comparable homes that sold in Rural Whitchurch-Stouffville over the past two years, from 258 closings there.
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 $2.13M, which is where my estimate comes from.
Per square foot, these ask about $816/sqft; this home lists at $3,074/sqft. Size is part of the price story, not just the sticker.
The 5 closest active listings nearby.
See all comparable homesSold price trend
Median sold price for detached homes in Rural Whitchurch-Stouffville: $1.52M in September 2026, down 17% from a year ago, on 91 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 | $1.74M | 9 |
| November 2025 | $1.96M | 7 |
| December 2025 | $2.05M | 9 |
| January 2026 | $1.14M | 5 |
| February 2026 | $1.80M | 7 |
| March 2026 | $1.48M | 7 |
| April 2026 | $1.44M | 7 |
| May 2026 | $1.75M | 13 |
| June 2026 | $2.02M | 8 |
| July 2026 | $1.43M | 7 |
| August 2026 | $1.46M | 6 |
| September 2026 | $1.52M | 6 |
Neighbourhood & location
Rural Whitchurch-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
Homes over $1.5M can't be insured, so 20% down or more is required.
Conventional (20%+ down). Best insured 5-year fixed 4.34% via Ratehub.ca (as of October 20, 2026); conventional rates run a little higher.
Mortgage amount $7,992,000 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $44,189
- Property tax
- $1,533
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $45,722
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $236,225
- Estimated closing costs
- $236,225
Plus your down payment of $1,998,000. 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
- $2,651,348
- Principal paid down
- $976,475
- Interest paid
- $1,674,874
- Balance remaining
- $7,015,525
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.
Investor snapshot
About the suite: in Rural Whitchurch-Stouffville basements rarely rent out (5 of 77 recent detached leases were basement units), so the figure above does not count it as income. Buyers here use a suite as family or nanny space.
Thinking of this home as an investment? We will pull real comparable rents and run the full numbers with you.
Talk about the numbersThe last 5 whole-home leases in Rural Whitchurch-Stouffville signed at a median of $6,075 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $6,626. The gross yield above is on the asking price, before taxes and upkeep; the cap rate is after them. A finished basement or second suite can push real rent above it. Taxes, fees, and vacancy vary by property, and cap rate is before financing.
Helpful resources
All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of BAY STREET GROUP INC.. MLS®/PropTx.