45 Birch Avenue, Richmond Hill, ON
South Richvale, Richmond Hill · MLS® N13127814
About this home
In short
- "Maison Élégance" A statement of timeless elegance in the heart of Richmond Hill.
- Nestled on a prestigious tree-lined street and backing onto a breathtaking ravine setting, this exceptional residence blends refined architecture with modern luxury...
- A grand entry introduces soaring ceilings, rich finishes, and beautifully curated living spaces designed for both elegant entertaining and everyday comfort.
- Expansive principal rooms are complemented by designer lighting, custom millwork, and oversized windows that flood the home with natural light while framing...
- Designed with lifestyle in mind, the home seamlessly transitions to beautifully landscaped outdoor spaces ideal for summer entertaining, quiet mornings, and evening...
"Maison Élégance" A statement of timeless elegance in the heart of Richmond Hill. Nestled on a prestigious tree-lined street and backing onto a breathtaking ravine setting, this exceptional residence blends refined architecture with modern luxury, creating a home that is both sophisticated and inviting. Surrounded by mature trees and tranquil natural vistas, the property offers a rare sense of privacy and serenity in an unrivalled setting. From the moment you arrive, impeccable craftsmanship and elevated design define every detail. A grand entry introduces soaring ceilings, rich finishes, and beautifully curated living spaces designed for both elegant entertaining and everyday comfort. Expansive principal rooms are complemented by designer lighting, custom millwork, and oversized windows that flood the home with natural light while framing picturesque ravine views. An integrated private elevator adds an exceptional level of comfort and convenience, seamlessly connecting the home's living spaces with ease and sophistication. The chef-inspired kitchen serves as the heart of the home, thoughtfully appointed with premium appliances, custom cabinetry, and an oversized island perfect for gathering with family and guests alike. The upper level offers a private retreat with serene bedrooms and a luxurious primary suite featuring a spa-inspired ensuite and generous walk-in dressing area. Designed with lifestyle in mind, the home seamlessly transitions to beautifully landscaped outdoor spaces ideal for summer entertaining, quiet mornings, and evening relaxation, all set against the backdrop of the ravine and towering mature trees. Perfectly positioned near top-rated schools, upscale shopping, fine dining, parks, golf courses, and every modern convenience, this coveted Richmond Hill address offers an exceptional blend of prestige and accessibility.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- N13127814
- Bedrooms
- 4+1 (5 total)
- Bathrooms
- 7 (1 half)
- Size
- 5,000 sq ft
- Lot
- 52.99 × 179.27 ft
- Cross streets
- Rutherford/Avenue Rd
- Parking
- 3 garage · 7 parking (built-in)
- Basement
- Separate Entrance, Walk-Up, Finished
- Kitchens
- 2 (1 + 1)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Stone
- Foundation
- Stone
- Roof
- Shingles
- Sewer
- Sewer
- Pool
- Other
- Property tax
- $23,091 / 2025
- Days on market
- 129
- Listing brokerage
- HAMMOND INTERNATIONAL PROPERTIES LIMITED
Rooms
heated floor · 3 pc ensuite
hardwood floor · b/i shelves · fireplace
b/i appliances · centre island · bar sink
heated floor · w/o to ravine · 3 pc bath
hardwood floor · b/i shelves · panelled
hardwood floor · picture window · w/o to ravine
hardwood floor · 4 pc ensuite · walk-in closet(s)
hardwood floor · 4 pc ensuite · walk-in closet(s)
hardwood floor · panelled · moulded ceiling
walk-in closet(s) · 4 pc bath · hardwood floor
fireplace · 7 pc ensuite · juliette balcony
hardwood floor · fireplace · moulded ceiling
This home is in the largest size bracket the board records (5,000 sq ft and up). Comparable-sales math compares homes by size, and too few homes this large sell nearby to compare it fairly, so no automatic estimate is shown. The largest homes in South Richvale (3,500 sq ft and up) have sold between $2.13M and $14.70M over the last two years (36 sales).
Considering this property? Request a written price readThe assigned public school is Charles Howitt PS. EQAO is only one input, and families here also look at French Immersion, boundary, and private options, the full breakdown is below.
The closest active listings by size, beds, and price, so you can see what this home is up against.
Per square foot, these ask about $1,169/sqft; this home lists at $1,278/sqft. Size is part of the price story, not just the sticker.
The 3 closest active listings nearby.
See all comparable homesNeighbourhood & location
South Richvale, Richmond Hill, 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). Richmond Hill.
Get the full neighbourhood report (schools, parks, transit & safety) →
The public and Catholic schools this address is zoned for, with EQAO results (the share of students meeting Ontario's provincial standard).
School attendance boundaries and EQAO results are Ontario government data and can change. Confirm the current catchment with the school board before relying on it.
Also nearby: 11 more schools within 2.5 km
Not the assigned catchment: schools a family here could reach, with EQAO results where published.
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 4.24% via Ratehub.ca (as of September 21, 2026); conventional rates run a little higher.
Mortgage amount $5,110,400 · 4.39% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $27,973
- Property tax
- $1,924
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $29,897
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $146,175
- Estimated closing costs
- $146,175
Plus your down payment of $1,277,600. 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
- $1,678,381
- Principal paid down
- $631,863
- Interest paid
- $1,046,518
- Balance remaining
- $4,478,537
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
The suite is real income here: basements rent in South Richvale (18 of 72 recent detached leases were basement units, around $2,050 a month). The figure above is the whole house on one lease; rented as two units, the suite alone brings about $2,050 a month on top of the upper floors. Permitted use is worth confirming with the city.
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 14 whole-home leases in South Richvale signed at a median of $6,265 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $7,137. 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 HAMMOND INTERNATIONAL PROPERTIES LIMITED. MLS®/PropTx.