95 Penstock Court, Richmond Hill, ON
Mill Pond, Richmond Hill · MLS® N13765142
About this home
In short
- Luxury, technology & thoughtful design come together at 95 Penstock Court.
- Herringbone hardwood, pot lights & built-in speakers with Control4 automation throughout, app-based control of garage doors, lighting, climate & Somfy blinds, plus...
- The main floor hosts soaring 11ft ceilings throughout.
- An office with built-in bookcases & walk-in closet; and an expansive living room with 21ft ceilings, an electric fireplace, TV mount & shelving; and a chef's kitchen...
- Upstairs, 9 ft ceilings; the primary bedroom offers a walk-in closet which connects to a luxurious 5-piece ensuite with soaker tub, frameless glass shower & double...
Luxury, technology & thoughtful design come together at 95 Penstock Court. A custom-built detached home on a 9,688 sqft. lot with 7-car parking, nestled on a quiet Mill Pond cul-de-sac. Herringbone hardwood, pot lights & built-in speakers with Control4 automation throughout, app-based control of garage doors, lighting, climate & Somfy blinds, plus Ring security monitoring & wired CCTV.A snow-melt roughed-in driveway leads to a heated epoxy-floor garage with slat walls and EV charger, while the adjoining mudroom features custom storage & a pet-washing station. The main floor hosts soaring 11ft ceilings throughout. An office with built-in bookcases & walk-in closet; and an expansive living room with 21ft ceilings, an electric fireplace, TV mount & shelving; and a chef's kitchen with quartz counters, centre island, bar fridge, gas countertop range, built-in oven, SS appliances & a concealed pantry with shelving & second fridge. Sliding doors from the living & dining areas open to a concrete patio with built-in BBQ, above terrace provides awning & a spacious fenced backyard with playground perfect for entertaining. Upstairs, 9 ft ceilings; the primary bedroom offers a walk-in closet which connects to a luxurious 5-piece ensuite with soaker tub, frameless glass shower & double sink vanity & a large private rooftop terrace overlooking the backyard; another bedroom has a walk-in closet & 3-piece ensuite, while two bedrooms share a 5-piece semi-ensuite. A laundry room on the second floor adds convenience. Bright above-grade windows enhance the finished basement complete with a recreation room, bedroom with 3-piece ensuite, second quartz counter kitchen, another 3-pc bathroom with sauna & a golf-simulator room that doubles as a home theatre with bar fridge & speakers. All bathrooms feature bidets, while the owned tankless water heater, 2 furnaces and 2 air conditioners eliminate rental fees. Close to shopping, dining, parks, schools, golf, YRT/Viva, GO Transit & HWY 407.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- N13765142
- Bedrooms
- 4+1 (5 total)
- Bathrooms
- 6 (1 half)
- Size
- 3500-5000 sq ft
- Lot
- 41.49 × 126.36 ft
- Cross streets
- Yonge St. & Elgin Mills Rd. W.
- Parking
- 3 garage · 7 parking (built-in)
- Driveway
- Private Double
- Basement
- Finished, Full, Apartment
- Kitchens
- 2 (1 + 1)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Stone
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $13,849 / 2026
- Days on market
- 39
- Listing brokerage
- SUTTON GROUP-ADMIRAL REALTY INC.
Rooms
5 pc bath · double sink · soaking tub
pot lights · above grade window · hardwood floor
pot lights · dry bar · built-in speakers
pot lights · walk-in closet(s) · 3 pc ensuite
gas fireplace · ceiling fan(s) · w/o to patio
pot lights · b/i shelves · access to garage
stainless steel appl · centre island · quartz counter
5 pc ensuite · walk-in closet(s) · w/o to terrace
2 pc bath · tile floor · b/i vanity
stainless steel appl · quartz counter · pot lights
laundry sink · pot lights · separate room
3 pc bath · b/i vanity · separate shower
double closet · pot lights · semi ensuite
pot lights · w/o to patio · open concept
5 pc bath · double sink · tile floor
double closet · pot lights · semi ensuite
b/i bookcase · built-in speakers · walk-in closet(s)
pot lights · 3 pc ensuite · above grade window
3 pc bath · sauna · b/i vanity
3 pc bath · tile floor · b/i vanity
Listed at $3,199,000. Going by how homes in Mill Pond and the wider GTA have actually closed against their asking prices (about 98%, 20 local closings in 90 days), the likely sale price is near $3.14M, if it sells. A realistic range is $2.95M to $3.54M.
Independent value check: no figure for this home. Going only by the sales record, our model lands more than 25% below the ask. At that distance an automated figure has rarely been close to the eventual sale price, so we are not printing one. The listing describes about 9,688 sq ft, while the size on record is 3500 to 5000 sq ft.
Total price vs nearby homes. Likely closing about $3.14M, from 20 recent closings in this pocket.
The market behind the math:
About 2.3 months of inventory: 15 detached homes for sale in the area against 20 closings in the last 90 days. Under two months favours sellers, over four favours buyers.
Price per square foot: this home lists at $753/sqft against an area asking average of $762/sqft.
- basement apartment features. A finished 1 bed basement apartment with a second kitchen. A self-contained space for extended family, guests or potential income. Basements do rent in Mill Pond: 39 of the 146 detached leases here lately were basement units, around $1,800 a month. That makes the suite real income. Second-suite retrofit status is not verified. A buyer intending to rent should confirm requirements with the City of Richmond Hill.
How this estimate is builtthe short version
This figure comes from a model built on about 44,000 recent GTA sales. It weighs this home’s tax assessment, size, age, location and features against what homes like it actually sold for, including sales in this neighbourhood.
It never sees the asking price. The 20 most comparable recent sales on their own, adjusted for size, beds, baths and lot, point to about $2.26M. Condition and finishes remain an in-person call.
What the listing highlights5 points to weigh
Claims from the listing, worth confirming in person. I can book you a private showing.
- Finished basement: added living space, worth checking ceiling height and that the work was permitted. Value driver
- Upscale kitchen: a genuine value driver, verify the appliances, stone, and finishes in person. Value driver
- Tall ceilings: they transform how a home feels, worth confirming the actual heights room to room. Worth verifying
- Primary suite: a key comfort and resale feature. Lifestyle
- Hardwood floors: quality hardwood is durable and broadly desirable. Lifestyle
Read this with carewhy it’s an estimate, not an appraisal
Priced above comparable homes overall, but the price per square foot ($753/sqft) is in line with the area, so you are paying for extra space rather than a premium.
The listing states size as a wide range, so the size adjustment is approximate and this estimate is a rough read. I can confirm exact square footage to tighten it.
Based on 20 comparable homes that sold in Mill Pond over the past two years, from 156 closings there.
For sale
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For saleThe closest active listings by size, beds, and price, so you can see what this home is up against.
Per square foot, these ask about $708/sqft; this home lists at $753/sqft. Size is part of the price story, not just the sticker.
The 5 closest of 8 active listings nearby.
See all comparable homesSold price trend
Median sold price for detached homes in Richmond Hill: $1.44M in September 2026, down 4% from a year ago, on 948 closings in 12 months.
Line: median sold price, each month averaged with its neighbours and weighted by closings. Bars: closings that month. Richmond Hill as a whole: the neighbourhood alone has too few closings for a line of its own.
Month by month
| Month | Median sold | Closings |
|---|---|---|
| October 2025 | $1.58M | 86 |
| November 2025 | $1.47M | 77 |
| December 2025 | $1.68M | 48 |
| January 2026 | $1.48M | 52 |
| February 2026 | $1.52M | 57 |
| March 2026 | $1.49M | 70 |
| April 2026 | $1.50M | 73 |
| May 2026 | $1.46M | 114 |
| June 2026 | $1.50M | 119 |
| July 2026 | $1.50M | 92 |
| August 2026 | $1.48M | 80 |
| September 2026 | $1.44M | 80 |
Neighbourhood & location
Mill Pond, 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) →
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 19, 2026); conventional rates run a little higher.
Mortgage amount $2,559,200 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $14,150
- Property tax
- $1,154
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $15,304
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $66,450
- Estimated closing costs
- $66,450
Plus your down payment of $639,800. 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
- $849,015
- Principal paid down
- $312,687
- Interest paid
- $536,328
- Balance remaining
- $2,246,513
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 Mill Pond (39 of 146 recent detached leases were basement units, around $1,800 a month). The figure above is the whole house on one lease; rented as two units, the suite alone brings about $1,800 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 23 whole-home leases in Mill Pond signed at a median of $6,518 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $7,450. 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 SUTTON GROUP-ADMIRAL REALTY INC.. MLS®/PropTx.