89 Hartney Drive, Richmond Hill, ON
Rural Richmond Hill, Richmond Hill · MLS® N13072324
About this home
4-Bedroom Detached Home Comes W/Loads Of Upgrades: Soaring 9Ft Ceilings On Both Main & Second Floor, Master Bedroom W/10Fft Tray Ceiling, 5-Pc Ensuite W/Glass Shower & Standalone Tub, Large W/I Closet, Gorgeous Chefs Kitchen, Hardwood Floors & So Much More! Surrounded By Rich Greenery, Richmond Green Sports Center & Park For Family Fun, Costco, Home Depot,Starbucks, Timmies, Restaurants, Banks, Hwy 404 & So Much More All Located Within Minutes! <<Open House On Sat & Sun 2-4pm>> <<3D Visual Tour: https://winsold.com/matterport/embed/456318/iRZWQiw3xW5>>
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- N13072324
- Bedrooms
- 4
- Bathrooms
- 3 (1 half)
- Size
- 2000-2500 sq ft
- Lot
- 30.02 × 98.43 ft
- Cross streets
- Elgin Mills/Leslie
- Parking
- 1 garage · 3 parking (attached)
- Driveway
- Private
- Basement
- Full
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Stone
- Foundation
- Concrete
- Roof
- Shingles
- Sewer
- Sewer
- Property tax
- $7,326 / 2026
- Days on market
- 171
- Listing brokerage
- NU STREAM REALTY (TORONTO) INC.
Rooms
Hardwood Floor
Hardwood Floor
hardwood floor · large window
Hardwood Floor
stainless steel appl · quartz counter · centre island
hardwood floor · gas fireplace
hardwood floor · walk-in closet(s) · 5 pc ensuite
tile floor · laundry sink · separate room
hardwood floor · window · overlooks frontyard
No automatic estimate is shown here: there are not enough closely comparable recent sales nearby to support one.
Considering this property? Request a written price readNeighbourhood & location
Rural Richmond Hill, Richmond Hill, ON
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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 $1,296,000 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $7,166
- Property tax
- $611
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $7,776
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $28,875
- Estimated closing costs
- $28,875
Plus your down payment of $324,000. 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
- $429,948
- Principal paid down
- $158,347
- Interest paid
- $271,601
- Balance remaining
- $1,137,653
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
Thinking of this home as an investment? We will pull real comparable rents and run the full numbers with you.
Talk about the numbersEstimates only. Rent is modelled on above-grade size and local norms, so a finished basement or second suite (a separate entrance often means one) can push real rent well above this. Taxes, fees, and vacancy vary by property, and cap rate is before financing. A starting point, not a final number, let us run the real ones with you.
Helpful resources
All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of NU STREAM REALTY (TORONTO) INC.. MLS®/PropTx.