186 Oxford Street, Richmond Hill, ON
Mill Pond, Richmond Hill · MLS® N13546764
About this home
In short
- Client RemarksClient RemarksExperience timeless elegance and modern comfort in this magnificent 5,105 sq. ft. residence, plus an additional 3,000 sq.ft. unfinished...
- The custom Oak Kitchen is both stylish and functional, featuring new smart Samsung stainless steel appliances, including a fridge and stove - ideal for today's modern...
- Recent upgrades ensure long-term comfort and efficiency, including: New windows (2 years), Roof (9 years).2 upgraded furnaces,2 new A/C.
- Step outside to your private backyard oasis, where over $300,000 has been invested in professional landscaping and resort-style design.
- Enjoy a 3-year-old saltwater, heated pool complete with a waterfall, spillover jacuzzi, and automated cover.
Client RemarksClient RemarksExperience timeless elegance and modern comfort in this magnificent 5,105 sq. ft. residence, plus an additional 3,000 sq.ft. unfinished basement, ideally situated in one of Richmond Hill's most coveted neighborhoods - Mill Pond. Designed with exceptional attention to detail, this carpet-free home offers generously sized living spaces, perfect for both family living and grand entertaining.The main floor features 9-ft ceilings, custom pot lighting, and a striking Scarlett O'Hara oak staircase that sets the tone for sophistication throughout. A radiant-heat fireplace creates a warm and inviting ambiance, complemented by solid oak floors, oak-trimmed windows, and door frames for enduring elegance. The custom Oak Kitchen is both stylish and functional, featuring new smart Samsung stainless steel appliances, including a fridge and stove - ideal for today's modern lifestyle. Upstairs, you'll find three master bedrooms, a spacious great room, and an impressive primary suite with a private sitting area, a spa-inspired ensuite with a washlet bidet, and a private balcony - a serene retreat for morning coffee or evening relaxation. All closets include built-in organizers for optimal storage. Recent upgrades ensure long-term comfort and efficiency, including: New windows (2 years), Roof (9 years).2 upgraded furnaces,2 new A/C. The fully waterproofed lower level includes a rough-in for a bar and washroom, and side entrances with direct access to both the basement and backyard. Step outside to your private backyard oasis, where over $300,000 has been invested in professional landscaping and resort-style design. Enjoy a 3-year-old saltwater, heated pool complete with a waterfall, spillover jacuzzi, and automated cover.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- N13546764
- Bedrooms
- 5+1 (6 total)
- Bathrooms
- 5 (1 half)
- Size
- 5,000 sq ft
- Lot
- 80.45 × 130.11 ft
- Cross streets
- Nr W-Yonge & Oxford
- Parking
- 2 garage · 8 parking (attached)
- Driveway
- Circular Drive
- Basement
- Unfinished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Sewer
- None
- Pool
- Inground, Salt, Outdoor
- Property tax
- $12,596 / 2025
- Days on market
- 102
- Listing brokerage
- SUPERIOR REALTY POINT INC.
Rooms
marble fireplace · pegged floor · pot lights
parquet · walk-in closet(s) · 4 pc bath
parquet · combined w/sitting · 5 pc ensuite
parquet · walk-in closet(s) · b/i closet
combined w/living · pegged floor · french doors
marble floor · 2 pc ensuite
parquet · walk-in closet(s) · 4 pc bath
ceramic floor · access to garage
parquet · b/i closet · b/i closet
track lighting · pegged floor · b/i bookcase
combined w/dining · pegged floor · french doors
pot lights · pegged floor · bay window
illuminated ceiling · marble floor · centre island
parquet · picture window · open concept
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.
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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 $873/sqft; this home lists at $680/sqft. Size is part of the price story, not just the sticker.
The 5 closest of 6 active listings nearby.
See all comparable homesNeighbourhood & location
Mill Pond, Richmond Hill, ON
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Typical asking price of active listings of the same type, per area (outliers removed). Richmond Hill.
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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 $2,719,920 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $15,039
- Property tax
- $1,050
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $16,089
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $71,473
- Estimated closing costs
- $71,473
Plus your down payment of $679,980. 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
- $902,334
- Principal paid down
- $332,324
- Interest paid
- $570,010
- Balance remaining
- $2,387,596
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
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 SUPERIOR REALTY POINT INC.. MLS®/PropTx.