1202-20 Harding Boulevard, Richmond Hill, ON

North Richvale, Richmond Hill · MLS® N13073358

$870,000
For Sale
Listed 171 days agoNo offer date statedSitting longer than typical
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2+1Bedrooms
2Bathrooms
1Garage
1200-1399Sq ft

About this home

In short

  • This fabulous 2-bedroom + solarium penthouse suite features an approx.
  • 900 sq. ft. private terrace-an open, exclusive space perfect for family gatherings.
  • The building offers a true hotel-like experience, with amenities designed to enhance your lifestyle: 24-hour gatehouse security, fitness centre, indoor pool, squash...

This fabulous 2-bedroom + solarium penthouse suite features an approx. 900 sq. ft. private terrace-an open, exclusive space perfect for family gatherings. The building offers a true hotel-like experience, with amenities designed to enhance your lifestyle: 24-hour gatehouse security, fitness centre, indoor pool, squash courts, and a party room. Enjoy easy access to major highways and public transit.

Key facts

Property type
Condo Apartment, Apartment
MLS®
N13073358
Bedrooms
2+1 (3 total)
Bathrooms
2
Size
1200-1399 sq ft
Cross streets
Major Mac and Yonge
Parking
1 garage (underground)
Basement
None
Heating
Forced Air
A/C
Central Air
Exterior
Concrete
Maintenance
$1,102/mo
Exposure
South East
Property tax
$1,599 / 2026
Days on market
171
Listing brokerage
WINPAX REALTY INC.

Rooms

KitchenFlat3.35 × 2.46 m

B/I Dishwasher

Dining RoomFlat7.05 × 3.38 m

Combined w/Living

LaundryFlat3.15 × 1.55 m
SunroomFlat5.35 × 3.25 m
Living RoomFlat7.05 × 3.38 m

combined w/dining · w/o to balcony

BedroomFlat4.45 × 3.05 m
BedroomFlat3.38 × 2.45 m
Our TakeTeam Asgarian · Broker
No automatic estimate

No automatic estimate is shown here: there is not a deep enough record of recent sales of homes like this one in this neighbourhood to support one.

Considering this property? Request a written price read

Neighbourhood & location

North Richvale, Richmond Hill, ON

CommuteTime from this home to where you spend your day

Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.

Nearby neighbourhoods

How asking prices compare in the closest areas to this home. Longer bars mean a pricier market.

Harding
$514K
Crosby
$860K
Observatory
$550K
Langstaff
$524K
South Richvale
$553K

Typical asking price of active listings of the same type, per area (outliers removed). Richmond Hill.

Get the full neighbourhood report (schools, parks, transit & safety) →

Affordability & Mortgage

Affordability
$3,965/mo
$178KIncome needed
4.9×Price ÷ income
$915Weekly cost
$13,875Land transfer tax, one-time (Ontario)
20% down4.79%25-yr amortization

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.

76%mortgage
Mortgage $3,965Property tax $133Condo fee $1,102Total carry $5,201

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

$
20.0%
$
%
4.49%
%
Live rate from Ratehub.ca

Conventional (20%+ down). Best insured 5-year fixed 4.34% via Ratehub.ca (as of October 20, 2026); conventional rates run a little higher.

years
years (your rate-locked period)
$3,848per month

Mortgage amount $696,000 · 4.49% over 25 years

$174,000Down payment (20.0%)
$696,000Loan before insurance
$0CMHC premium
$5,084Total monthly cost

Total monthly cost

Mortgage payment (monthly equivalent)
$3,848
Property tax
$133
Condo / maintenance fees
$1,102
Heating
$0
Estimated monthly cost
$5,084

Add your own property tax, condo fees, and heating on the left for a sharper total.

One-time closing costs

Ontario land transfer tax
$13,875
Estimated closing costs
$13,875

Plus your down payment of $174,000. Legal fees, title insurance, and adjustments are extra and vary by deal.

Mortgage stress test

6.49%Qualifying rate
$4,658/monthPayment at the qualifying rate

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

$458,491Total interest paid
$1,154,491Total of all payments
Principal $696,000 Interest $458,491
YearPrincipalInterestBalance
1$15,532$30,648$680,468
2$16,237$29,943$664,231
3$16,974$29,205$647,257
4$17,745$28,435$629,512
5$18,551$27,629$610,962
6$19,393$26,787$591,569
7$20,273$25,906$571,295
8$21,194$24,986$550,102
9$22,156$24,024$527,945
10$23,162$23,018$504,783
11$24,214$21,966$480,570
12$25,313$20,866$455,256
13$26,462$19,717$428,794
14$27,664$18,516$401,130
15$28,920$17,260$372,210
16$30,233$15,947$341,977
17$31,606$14,574$310,371
18$33,041$13,139$277,330
19$34,541$11,639$242,789
20$36,109$10,070$206,680
21$37,749$8,431$168,931
22$39,463$6,717$129,468
23$41,255$4,925$88,214
24$43,128$3,052$45,086
25$45,086$1,094$0

At the end of your 5-year term

Total paid over the term
$230,898
Principal paid down
$85,038
Interest paid
$145,860
Balance remaining
$610,962

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.

Let's connect

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

Rental yield
Estimate$4,100/mo
$49,200Gross annual rent
3.3%Cap rate after taxes and upkeep

Thinking of this home as an investment? We will pull real comparable rents and run the full numbers with you.

Talk about the numbers

Estimates 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.

5.7%
Gross yield
− Property tax $1,599− Condo fees $13,229− Insurance $600− Vacancy & upkeep $5,412Net operating income $28,360

All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of WINPAX REALTY INC.. MLS®/PropTx.

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