109 Oxford Street, Richmond Hill, ON
Mill Pond, Richmond Hill · MLS® N13797322
About this home
In short
- A rare Mill Pond showpiece, custom-crafted for those who appreciate the extraordinary.
- Grand 10-ft ceilings, breathtaking oversized skylight, surrounded by bespoke designer finishes, statement chandeliers, elegant wainscoting & commercial-grade appliances.
- Heated floors, security cameras and seamless surround sound inside & out elevate every moment.
- Step outside to a truly private oasis, where mature fruit & berry trees create an unforgettable garden.
A rare Mill Pond showpiece, custom-crafted for those who appreciate the extraordinary. Grand 10-ft ceilings, breathtaking oversized skylight, surrounded by bespoke designer finishes, statement chandeliers, elegant wainscoting & commercial-grade appliances. Heated floors, security cameras and seamless surround sound inside & out elevate every moment. Step outside to a truly private oasis, where mature fruit & berry trees create an unforgettable garden.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- N13797322
- Bedrooms
- 5+2 (7 total)
- Bathrooms
- 8 (1 half)
- Size
- 5,000 sq ft
- Lot
- 50 × 144.92 ft
- Cross streets
- Bathurst/Elgin Mills
- Parking
- 2 garage · 6 parking (attached)
- Driveway
- Private Double
- Basement
- Finished with Walk-Out
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Other
- Roof
- Other
- Sewer
- Sewer
- Property tax
- $15,013 / 2025
- Days on market
- 32
- Listing brokerage
- PROPERTY.CA INC.
Rooms
3 pc ensuite · pot lights · hardwood floor
centre island · built-in speakers · ceramic backsplash
4 pc bath · pot lights · hardwood floor
b/i shelves · granite sink · ceramic floor
3 pc ensuite · pot lights · hardwood floor
fireplace · crown moulding · overlooks backyard
b/i bar · walk-out · circular oak stairs
bay window · overlooks backyard · hardwood floor
balcony · pot lights · ensuite bath
3 pc ensuite · pot lights · hardwood floor
b/i bookcase · double closet · hardwood floor
formal rm · overlooks frontyard · hardwood floor
This home is in the largest size bracket the board records (5,000 sq ft and up). Comparable-sales math compares homes by size, and too few homes this large sell nearby to compare it fairly, so no automatic estimate is shown. The largest homes in Mill Pond (3,500 sq ft and up) have sold between $1.57M and $3.65M over the last two years (31 sales).
Considering this property? Request a written price read
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 $748/sqft; this home lists at $578/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
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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 $2,311,199 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $12,779
- Property tax
- $1,251
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $14,030
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $58,700
- Estimated closing costs
- $58,700
Plus your down payment of $577,800. 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
- $766,741
- Principal paid down
- $282,386
- Interest paid
- $484,355
- Balance remaining
- $2,028,813
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 7 whole-home leases in Mill Pond signed at a median of $7,020 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $9,218. 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 PROPERTY.CA INC.. MLS®/PropTx.