45 Naughton Drive, Richmond Hill, ON

Westbrook, Richmond Hill · MLS® N13799216

$1,399,000
For Sale
Listed 32 days agoNo offer date stated
5Bedrooms
4Bathrooms
2Garage · 6 parking
2000-2500Sq ft

About this home

In short

  • The 5-Bedroom Perfect Family Home in one of Richmond Hill's most desirable neighbourhoods.
  • This freshly renovated and well maintained home offers a bright, spacious layout with hardwood floors, fresh paint, renovated stairs, and an upgraded open-concept...
  • Located close to top-rated schools, parks, shopping centres, highways, and everyday amenities.

Location! Location! Location! The 5-Bedroom Perfect Family Home in one of Richmond Hill's most desirable neighbourhoods! This freshly renovated and well maintained home offers a bright, spacious layout with hardwood floors, fresh paint, renovated stairs, and an upgraded open-concept kitchen with quartz countertops. Located close to top-rated schools, parks, shopping centres, highways, and everyday amenities. Move-in ready, beautifully updated, and perfectly located for family living. You must see!

Key facts

Property type
Detached, 2-Storey
MLS®
N13799216
Bedrooms
5
Bathrooms
4
Size
2000-2500 sq ft
Lot
39.4 × 109.91 ft
Cross streets
Yonge St and Canyon Hill Ave
Parking
2 garage · 6 parking (built-in)
Driveway
Available
Basement
Full
Heating
Forced Air
A/C
Central Air
Exterior
Brick
Foundation
Concrete
Roof
Asphalt Shingle
Sewer
Sewer
Property tax
$6,795 / 2025
Days on market
32
Listing brokerage
RE/MAX EXPERTS
Our TakeTeam Asgarian · Broker
No automatic estimate

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.

Considering this property? Request a written price read

Neighbourhood & location

Westbrook, Richmond Hill, ON

CommuteTime from this home to where you spend your day

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Nearby neighbourhoods

How asking prices compare in the closest areas to this home. Longer bars mean a pricier market.

Mill Pond
$1.59M
Crosby
$1.92M
Jefferson
$1.40M
North Richvale
$1.46M
Rural Richmond Hill
$1.66M

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

Affordability
$6,376/mo
$264KIncome needed
5.3×Price ÷ income
$1,471Weekly cost
$24,455Land transfer tax, one-time (Ontario)
20% down4.79%25-yr amortization

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.

92%mortgage
Mortgage $6,376Property tax $566Total carry $6,942

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

$
20.0%
$
%
4.49%
%
Live rate from Ratehub.ca

Conventional (20%+ down). Best insured 5-year fixed 4.34% via Ratehub.ca (as of October 20, 2026); conventional rates run a little higher.

years
years (your rate-locked period)
$6,188per month

Mortgage amount $1,119,200 · 4.49% over 25 years

$279,800Down payment (20.0%)
$1,119,200Loan before insurance
$0CMHC premium
$6,754Total monthly cost

Total monthly cost

Mortgage payment (monthly equivalent)
$6,188
Property tax
$566
Condo / maintenance fees
$0
Heating
$0
Estimated monthly cost
$6,754

Add your own property tax, condo fees, and heating on the left for a sharper total.

One-time closing costs

Ontario land transfer tax
$24,455
Estimated closing costs
$24,455

Plus your down payment of $279,800. Legal fees, title insurance, and adjustments are extra and vary by deal.

Mortgage stress test

6.49%Qualifying rate
$7,490/monthPayment at the qualifying rate

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

$737,275Total interest paid
$1,856,475Total of all payments
Principal $1,119,200 Interest $737,275
YearPrincipalInterestBalance
1$24,976$49,283$1,094,224
2$26,110$48,149$1,068,114
3$27,295$46,964$1,040,819
4$28,535$45,724$1,012,285
5$29,830$44,429$982,454
6$31,185$43,074$951,270
7$32,600$41,659$918,669
8$34,081$40,178$884,589
9$35,628$38,631$848,961
10$37,246$37,013$811,715
11$38,937$35,322$772,778
12$40,705$33,554$732,073
13$42,553$31,706$689,520
14$44,485$29,774$645,035
15$46,505$27,754$598,531
16$48,616$25,643$549,915
17$50,824$23,435$499,091
18$53,131$21,128$445,960
19$55,544$18,715$390,416
20$58,065$16,193$332,351
21$60,702$13,557$271,649
22$63,458$10,801$208,191
23$66,339$7,920$141,851
24$69,351$4,908$72,500
25$72,500$1,759$0

At the end of your 5-year term

Total paid over the term
$371,295
Principal paid down
$136,746
Interest paid
$234,549
Balance remaining
$982,454

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.

Let's connect

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

Rental yield
Estimate$4,200/mo
$50,400Gross annual rent
2.6%Cap rate after taxes and upkeep

Thinking of this home as an investment? We will pull real comparable rents and run the full numbers with you.

Talk about the numbers

Estimates 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.

3.6%
Gross yield
− Property tax $6,795− Insurance $1,400− Vacancy & upkeep $5,544Net operating income $36,661

All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of RE/MAX EXPERTS. MLS®/PropTx.

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