13645 Ninth Line, Whitchurch-Stouffville, ON
Rural Whitchurch-Stouffville, Whitchurch-Stouffville · MLS® N13147146
About this home
In short
- Set on an impressive 8.08 acres in the prestigious and highly sought-after hamlet of Bloomington, this exceptional estate presents a rare blend of luxury country...
- The beautifully maintained residence features 4 spacious bedrooms, 2 bathrooms, and a fully self-contained in-law suite apartment in the lower level - ideal for...
Set on an impressive 8.08 acres in the prestigious and highly sought-after hamlet of Bloomington, this exceptional estate presents a rare blend of luxury country living and outstanding future development potential. Surrounded by rolling landscapes and mature trees, the property offers a private and serene setting while remaining ideally positioned for growth and investment opportunities. The beautifully maintained residence features 4 spacious bedrooms, 2 bathrooms, and a fully self-contained in-law suite apartment in the lower level - ideal for multi-generational living, luxury guest accommodations, or additional income potential. Expansive grounds provide endless possibilities for future expansion, redevelopment, or land banking in one of the area's most desirable and evolving communities. A truly rare offering where lifestyle, location, and long-term opportunity converge.
Key facts
- Property type
- Detached, Bungalow-Raised
- MLS®
- N13147146
- Bedrooms
- 2+2 (4 total)
- Bathrooms
- 2
- Size
- 2500-3000 sq ft
- Lot
- 93.5 × 701 ft
- Cross streets
- 9th & Bloomington
- Parking
- 2 garage · 10 parking (detached)
- Basement
- Finished, Walk-Out
- Kitchens
- 2 (1 + 1)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Aluminum Siding, Brick
- Foundation
- Other
- Roof
- Shingles
- Sewer
- Septic
- Pool
- Above Ground
- Property tax
- $7,000 / 2025
- Days on market
- 153
- Listing brokerage
- Chase Realty Inc., Brokerage
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 Whitchurch-Stouffville, Whitchurch-Stouffville, 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 $4,780,000 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $26,429
- Property tax
- $583
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $27,013
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $135,850
- Estimated closing costs
- $135,850
Plus your down payment of $1,195,000. 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
- $1,585,766
- Principal paid down
- $584,028
- Interest paid
- $1,001,739
- Balance remaining
- $4,195,972
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
Income potential: the basement has a separate entrance, which often supports a rentable in-law or second suite. That can lift real rent well above the figure above and help carry the mortgage. Ask us about permitted use in this area.
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 Chase Realty Inc., Brokerage. MLS®/PropTx.