102 Oxford Street, Richmond Hill, ON
Mill Pond, Richmond Hill · MLS® N13765960
About this home
In short
- Designed for both grand-scale entertaining and exceptional family living, this residence offers nearly 7,000 sq. ft. of luxurious living space with 4+2 bedrooms, 7...
- The chef-inspired gourmet kitchen is equipped with top-of-the-line appliances, a custom pantry and servery, and a spacious breakfast area overlooking the breathtaking...
- The fully finished lower level features heated floors, two additional bedrooms, a full kitchen, open-concept living and dining areas, a fireplace, a separate walk-up...
- Step outside to your resort-style backyard featuring an inground pool, waterfall, custom-built gazebo with wet bar, dedicated change/heating room, outdoor 3-piece...
- The impressive 213-foot deep lot offers exceptional future potential, including the opportunity to construct a permitted garden suite (subject to municipal...
Welcome to this extraordinary custom-built estate, ideally situated on a premium 53 x 213 ft lot on one of Richmond Hill's most prestigious streets in he highly sought-after Mill Pond community. Designed for both grand-scale entertaining and exceptional family living, this residence offers nearly 7,000 sq. ft. of luxurious living space with 4+2 bedrooms, 7 bathrooms, and soaring ceilings throughout, including 11-foot ceilings on the main floor, 10-foot ceilings on the second floor, and 9-foot ceilings on the lower level, creating a bright, open, and elegant atmosphere. The chef-inspired gourmet kitchen is equipped with top-of-the-line appliances, a custom pantry and servery, and a spacious breakfast area overlooking the breathtaking private backyard oasis. Walk out to the oversized glass-covered patio and enjoy seamless indoor-outdoor living. Exceptional features include a private elevator servicing all levels, three fireplaces, two skylights, and a stunning primary retreat complete with a spa-inspired 5-piece ensuite and custom walk-in closet. The fully finished lower level features heated floors, two additional bedrooms, a full kitchen, open-concept living and dining areas, a fireplace, a separate walk-up entrance, and dedicated bathroom facilities-ideal for a nanny suite, in-law accommodation, or multi-generational living. Step outside to your resort-style backyard featuring an inground pool, waterfall, custom-built gazebo with wet bar, dedicated change/heating room, outdoor 3-piece bathroom, and a 10 x 10 garden shed. The heated 3-car garage includes a side entrance and is lift-ready for automotive enthusiasts. The impressive 213-foot deep lot offers exceptional future potential, including the opportunity to construct a permitted garden suite (subject to municipal approvals), making it ideal for extended family living, a private guest house, nanny quarters, or income-generating rental accommodation.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- N13765960
- Bedrooms
- 4+2 (6 total)
- Bathrooms
- 6 (1 half)
- Size
- 3500-5000 sq ft
- Lot
- 53 × 213 ft
- Cross streets
- Yonge St / Elgin Mills Rd
- Parking
- 3 garage · 9 parking (attached)
- Driveway
- Private
- Basement
- Finished, Walk-Up
- Kitchens
- 2 (1 + 1)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Stone
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Pool
- Inground
- Property tax
- $18,121 / 2026
- Days on market
- 39
- Listing brokerage
- HOUSESIGMA INC.
Rooms
3 pc ensuite · skylight · hardwood floor
5 pc ensuite · walk-in closet(s) · hardwood floor
b/i shelves · large window · hardwood floor
pot lights · fireplace · hardwood floor
4 pc ensuite · walk-in closet(s) · hardwood floor
overlooks backyard · fireplace · hardwood floor
closet · pot lights · hardwood floor
combined w/living · pantry · hardwood floor
w/o to patio · pot lights · hardwood floor
fireplace · 3 pc bath · hardwood floor
overlooks backyard · breakfast area · pot lights
4 pc ensuite · walk-in closet(s) · hardwood floor
Listed at $3,979,999. 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 $3.91M, if it sells. A realistic range is $3.67M to $4.41M.
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 usual reason is something the record cannot show: a rebuild, a second unit, or a lot or setting unlike the homes around it.
Total price vs nearby homes. Likely closing about $3.91M, from 20 recent closings in this pocket.
The market behind the math:
About 2.4 months of inventory: 16 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 $936/sqft against an area asking average of $749/sqft.
- Inground pool. Priced into the comparison on the assumption it is clean and modern. A pool costs more to build than resale pays back, and condition is the in-person call.
- Walk-up basement. Extra light, usable space, and income potential, so the estimate is a conservative floor for it.
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 $2.68M. 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.
- Upscale kitchen: a genuine value driver, verify the appliances, stone, and finishes in person. Value driver
- Heated floors: comfort and a premium-finish signal. Lifestyle
- Pool: lifestyle appeal, but adds maintenance, insurance, and resale is mixed. Weigh carefully
- Tall ceilings: they transform how a home feels, worth confirming the actual heights room to room. Worth verifying
- Premium lot / gardens: lot size and privacy hold value and cannot be changed, verify frontage, depth, and any easements. Value driver
Read this with carewhy it’s an estimate, not an appraisal
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.
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 $807/sqft; this home lists at $936/sqft. Size is part of the price story, not just the sticker.
The 4 closest 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 20, 2026); conventional rates run a little higher.
Mortgage amount $3,183,999 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $17,605
- Property tax
- $1,510
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $19,115
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $85,975
- Estimated closing costs
- $85,975
Plus your down payment of $796,000. 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
- $1,056,293
- Principal paid down
- $389,026
- Interest paid
- $667,267
- Balance remaining
- $2,794,973
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 numbersThe last 16 whole-home leases in Mill Pond signed at a median of $7,615 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $8,068. 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 HOUSESIGMA INC.. MLS®/PropTx.