21 English Oak Drive, Richmond Hill, ON
Oak Ridges Lake Wilcox, Richmond Hill · MLS® N13772070
About this home
In short
- Welcome to 21 English Oak Drive, a spacious and beautifully maintained 4-bedroom detached home with a bright and functional layout.
- The main and second floors offer 3 bathrooms, including 2 full bathrooms upstairs and a convenient main-floor powder room.
- Enjoy the large glass-enclosed front porch with elegant marble flooring, a beautiful recent addition to the home.
- Enjoy a private backyard (back to green area.) The fully finished basement features a separate entrance, additional bedroom, kitchen and 3-piece bathroom, offering...
Welcome to 21 English Oak Drive, a spacious and beautifully maintained 4-bedroom detached home with a bright and functional layout. Featuring a rare main-floor bedroom, ideal for elderly parents, in-laws, guests or anyone who prefers convenient main-level living. The main and second floors offer 3 bathrooms, including 2 full bathrooms upstairs and a convenient main-floor powder room. Enjoy the large glass-enclosed front porch with elegant marble flooring, a beautiful recent addition to the home. Enjoy a private backyard (back to green area.) The fully finished basement features a separate entrance, additional bedroom, kitchen and 3-piece bathroom, offering excellent flexibility for extended family. Additional convenience includes an EV charging station. A spacious and versatile home designed for comfortable family and multi-generational living.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- N13772070
- Bedrooms
- 4+1 (5 total)
- Bathrooms
- 4 (1 half)
- Size
- 2500-3000 sq ft
- Lot
- 10.5 × 37.06 ft
- Cross streets
- Yonge/Old Colony
- Parking
- 2 garage · 4 parking (attached)
- Driveway
- Available
- Basement
- Apartment, Separate Entrance, Full, Finished
- Kitchens
- 2 (1 + 1)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Unknown
- Roof
- Shingles
- Sewer
- Sewer
- Property tax
- $6,408 / 2026
- Days on market
- 9
- Listing brokerage
- REMAX YOUR COMMUNITY REALTY
Rooms
ceramic floor · backsplash
hardwood floor · open concept · combined w/dining
hardwood floor · closet
Hardwood Floor
hardwood floor · closet
hardwood floor · gas fireplace
hardwood floor · l-shaped room
Hardwood Floor
hardwood floor · combined w/library · combined w/living
hardwood floor · granite counters · w/o to deck
hardwood floor · 3 pc bath
hardwood floor · closet
Listed at $1,199,000 with no offer date. Homes here have been closing close to ask, so my read is $1.21M, typically $1.14M to $1.20M. Comparable closings on their own put this home around $1.30M, a little above the ask.
Total price vs nearby homes. Likely closing about $1.21M, from 25 recent closings in this pocket.
The market behind the math:
About 1.8 months of inventory: 15 detached homes for sale in the area against 25 closings in the last 90 days. Under two months favours sellers, over four favours buyers.
Price per square foot: this home lists at $436/sqft against an area asking average of $614/sqft. Size and $/sqft both feed the estimate above.
- Separate-entrance basement apartment features. A finished 1 bed basement apartment with a separate entrance and a second kitchen. A self-contained space for extended family, guests or potential income. Basements do rent in Oak Ridges Lake Wilcox: 20 of the 145 detached leases here lately were basement units, around $1,800 a month. That makes the suite real income, and comparable-sales math under-prices it, so read the estimate as a floor. 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 25 most comparable recent sales on their own, adjusted for size, beds, baths and lot, point to about $1.27M. Condition and finishes remain an in-person call.
What the listing highlights4 points to weigh
Claims from the listing, worth confirming in person. I can book you a private showing.
- Separate entrance / basement suite: rental or in-law income potential, if it is legally registered and retrofit-compliant. Income potential
- Finished basement: added living space, worth checking ceiling height and that the work was permitted. Value driver
- Addition / added square footage: more space lifts value when it is permitted and well integrated, verify the permits. Value driver
- Premium lot / gardens: lot size and privacy hold value and cannot be changed, verify frontage, depth, and any easements. Value driver
Schools & getting aroundcatchment and transit
On schools, this address is zoned for Bond Lake PS, one of the higher-rated public schools in the area. A strong catchment tends to hold value and widen your resale pool, especially with family buyers.
Based on 25 comparable homes that sold in Oak Ridges Lake Wilcox over the past two years, from 177 closings there.
Nothing closely matching this home is listed nearby right now, so these are the nearest detached listings on the market. Homes like this one have recently closed around $1.30M, which is where my estimate comes from.
Per square foot, these ask about $559/sqft; this home lists at $436/sqft. Size is part of the price story, not just the sticker.
The 3 closest active listings nearby.
See all comparable homesNeighbourhood & location
Oak Ridges Lake Wilcox, 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: 5 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
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 $959,200 · 4.39% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $5,250
- Property tax
- $534
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $5,784
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $20,455
- Estimated closing costs
- $20,455
Plus your down payment of $239,800. 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
- $315,025
- Principal paid down
- $118,598
- Interest paid
- $196,427
- Balance remaining
- $840,602
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 Oak Ridges Lake Wilcox (20 of 145 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 28 whole-home leases in Oak Ridges Lake Wilcox signed at a median of $4,109 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $4,493. 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 REMAX YOUR COMMUNITY REALTY. MLS®/PropTx.