99 Birch Avenue, Richmond Hill, ON
South Richvale, Richmond Hill · MLS® N13461416
About this home
In short
- Rare offering in coveted community of South Richvale.
- This custom full stone two storey sits on a 1.33 acre ravine lot at the end of a gated, dead-end cul-de-sac with total privacy.
- Held by its original owner and built with superior construction materials, the home offers 3,722 square feet above grade plus a bright finished walk-out lower level...
- Entertaining-sized principal rooms span the of the home, each framing the ravine: separate formal living and dining rooms, a main floor office, and a family room...
- The primary retreat offers a sitting area, walk-in closet, spa-inspired ensuite, and a private balcony over the ravine.
Rare offering in coveted community of South Richvale. This custom full stone two storey sits on a 1.33 acre ravine lot at the end of a gated, dead-end cul-de-sac with total privacy. Held by its original owner and built with superior construction materials, the home offers 3,722 square feet above grade plus a bright finished walk-out lower level, four bedrooms, five bathrooms, and an elevator serving all three levels as well as the garage. Entertaining-sized principal rooms span the of the home, each framing the ravine: separate formal living and dining rooms, a main floor office, and a family room anchored by a floor-to-ceiling stone fireplace. The centre-island kitchen walks out to a terrace over the trees, with a sunny private breakfast area and southern exposure. Custom walnut hardwood floors, nine-foot smooth ceilings, custom cornice mouldings, a large skylight, and a sculptural floating oak staircase rising from the lower level to the second storey. The primary retreat offers a sitting area, walk-in closet, spa-inspired ensuite, and a private balcony over the ravine. A second bedroom enjoys its own four-piece ensuite, and all secondary bedrooms are generously sized. The walk-out lower level offers space to create a full in-law suite built for multi-generational living: an oversized living and dining area, second kitchen, sauna, wine room, abundant storage, and two walk-outs to a covered patio over the ravine. The setting is the rarity. A wrought iron gated entrance opens to an oversized interlock driveway. The home backs onto your own private ravine that cannot be severed or developed, steps to nature trails, minutes to highways and commuter routes and access to top private schools.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- N13461416
- Bedrooms
- 4
- Bathrooms
- 5 (1 half)
- Size
- 3500-5000 sq ft
- Lot
- 103 × 413 ft
- Cross streets
- Bathurst Street & Carville/Rutherford Road
- Parking
- 2 garage · 6 parking (attached)
- Driveway
- Private
- Basement
- Separate Entrance, Finished, Walk-Out
- Kitchens
- 2 (1 + 1)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Stone
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $18,602 / 2025
- Days on market
- 94
- Listing brokerage
- EXP REALTY
Rooms
ceramic floor · elevator · window
ceramic floor · w/o to patio · overlooks ravine
hardwood floor · large window · french doors
broadloom · window · closet
hardwood floor · fireplace · overlooks ravine
ceramic floor · w/o to terrace · overlooks ravine
ceramic floor · elevator · fireplace
hardwood floor · window · french doors
ceramic floor · w/o to terrace · overlooks ravine
broadloom · 6 pc ensuite · window
broadloom · elevator · closet
hardwood floor · large window · overlooks ravine
broadloom · 4 pc ensuite · large window
ceramic floor · w/o to patio · open concept
This is a rare parcel: about 0.98 acres, and it backs onto a ravine. Comparable-sales math works on size and bedrooms, and here the lot is what is being sold, so no automatic estimate is shown. Homes on lots this size in South Richvale have sold between $3.30M and $14.70M over the last two years (5 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 $665/sqft; this home lists at $625/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 $2,126,400 · 4.39% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $11,639
- Property tax
- $1,550
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $13,190
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $52,925
- Estimated closing costs
- $52,925
Plus your down payment of $531,600. 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
- $698,362
- Principal paid down
- $262,914
- Interest paid
- $435,448
- Balance remaining
- $1,863,486
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 13 whole-home leases in South Richvale signed at a median of $6,210 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $6,175. 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 EXP REALTY. MLS®/PropTx.