11-190 Harding Boulevard, Richmond Hill, ON

North Richvale, Richmond Hill · MLS® N13486484

$980,000
For Sale
Listed 116 days agoNo offer date statedSitting longer than typical
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3+1Bedrooms
3Bathrooms
1Garage
1800-1999Sq ft

About this home

In short

  • Rarely Available Corner-Unit Townhome In The Heart Of Richmond Hill.
  • This exceptionally bright, clean, and spacious 3+1 bedroom home features one of the area's most popular and functional floor plans.
  • Unbeatable location-walk to Yonge St, transit, shopping, and top amenities, with quick highway access.

Rarely Available Corner-Unit Townhome In The Heart Of Richmond Hill! This exceptionally bright, clean, and spacious 3+1 bedroom home features one of the area's most popular and functional floor plans. Enjoy a sun-drenched living space with a cozy gas fireplace, generous bedrooms, and an attached garage.Low-Maintenance Living at its Best. Perfect starter home or the ideal upsize from a condo. Unbeatable location-walk to Yonge St, transit, shopping, and top amenities, with quick highway access. Move-in ready! *Some photos have been digitally staged.

Key facts

Property type
Condo Townhouse, 2-Storey
MLS®
N13486484
Bedrooms
3+1 (4 total)
Bathrooms
3 (1 half)
Size
1800-1999 sq ft
Cross streets
Yonge/ Major Mackenzie
Parking
1 garage (built-in)
Basement
Partial Basement
Heating
Forced Air
A/C
Central Air
Exterior
Brick
Maintenance
$559/mo
Exposure
South
Property tax
$4,358 / 2025
Days on market
116
Listing brokerage
KELLER WILLIAMS ADVANTAGE REALTY
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.

Mill Pond
$659K
Observatory
$679K
Langstaff
$646K
Westbrook
$912K
Doncrest
$961K

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
$4,467/mo
$195KIncome needed
5.0×Price ÷ income
$1,031Weekly cost
$16,075Land 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.

83%mortgage
Mortgage $4,467Property tax $363Condo fee $559Total carry $5,389

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 19, 2026); conventional rates run a little higher.

years
years (your rate-locked period)
$4,335per month

Mortgage amount $784,000 · 4.49% over 25 years

$196,000Down payment (20.0%)
$784,000Loan before insurance
$0CMHC premium
$5,257Total monthly cost

Total monthly cost

Mortgage payment (monthly equivalent)
$4,335
Property tax
$363
Condo / maintenance fees
$559
Heating
$0
Estimated monthly cost
$5,257

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

One-time closing costs

Ontario land transfer tax
$16,075
Estimated closing costs
$16,075

Plus your down payment of $196,000. Legal fees, title insurance, and adjustments are extra and vary by deal.

Mortgage stress test

6.49%Qualifying rate
$5,247/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

$516,461Total interest paid
$1,300,461Total of all payments
Principal $784,000 Interest $516,461
YearPrincipalInterestBalance
1$17,496$34,523$766,504
2$18,290$33,729$748,215
3$19,120$32,898$729,094
4$19,988$32,030$709,106
5$20,896$31,122$688,210
6$21,845$30,174$666,365
7$22,837$29,182$643,528
8$23,874$28,145$619,655
9$24,957$27,061$594,697
10$26,091$25,928$568,607
11$27,275$24,743$541,331
12$28,514$23,505$512,818
13$29,808$22,210$483,009
14$31,162$20,857$451,848
15$32,577$19,442$419,271
16$34,056$17,963$385,215
17$35,602$16,416$349,613
18$37,218$14,800$312,395
19$38,908$13,110$273,487
20$40,675$11,344$232,812
21$42,522$9,497$190,290
22$44,452$7,566$145,838
23$46,471$5,548$99,367
24$48,581$3,438$50,786
25$50,786$1,232$0

At the end of your 5-year term

Total paid over the term
$260,092
Principal paid down
$95,790
Interest paid
$164,302
Balance remaining
$688,210

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$6,100/mo
$73,200Gross annual rent
5.5%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.

7.5%
Gross yield
− Property tax $4,358− Condo fees $6,708− Insurance $600− Vacancy & upkeep $8,052Net operating income $53,482

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

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