26 Merdock Court, Whitchurch-Stouffville, ON

Stouffville, Whitchurch-Stouffville · MLS® N13813562

$1,115,000
For Sale
Listed 5 days agoNo offer date stated

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4Bedrooms
4Bathrooms
2Garage · 4 parking
1500-2000Sq ft

About this home

In short

  • Welcome to this beautifully maintained detached home located on a child-friendly neighbourhood in desirable Stouffville.
  • This bright and inviting home features 4 spacious bedrooms, plenty of natural light, and a functional layout perfect for family living.
  • Enjoy 9-foot ceilings, hardwood flooring , granite countertops, California shutters throughout, and convenient second-floor laundry.

Welcome to this beautifully maintained detached home located on a child-friendly neighbourhood in desirable Stouffville. This bright and inviting home features 4 spacious bedrooms, plenty of natural light, and a functional layout perfect for family living. Enjoy 9-foot ceilings, hardwood flooring , granite countertops, California shutters throughout, and convenient second-floor laundry. Step outside to a low-maintenance backyard complete with an irrigation system, exterior pot lights, a garden shed with electricity. The second-floor balcony and charming front porch provide additional spaces to unwind and enjoy. Ideally situated within walking distance to schools, parks, trails, shopping, and everyday amenities.

Key facts

Property type
Detached, 2-Storey
MLS®
N13813562
Bedrooms
4
Bathrooms
4 (2 half)
Size
1500-2000 sq ft
Lot
43.31 × 87.96 ft
Cross streets
Hoover Park And Sandiford
Parking
2 garage · 4 parking (attached)
Driveway
Private Double
Basement
Finished
Heating
Forced Air
A/C
Central Air
Exterior
Aluminum Siding, Brick
Foundation
Concrete
Roof
Shingles
Sewer
Sewer
Property tax
$5,898 / 2025
Days on market
5
Listing brokerage
RE/MAX HALLMARK REALTY LTD.

Rooms

RecreationBasement8.57 × 4.65 m
LaundrySecond1.90 × 1.75 m
Primary BedroomSecond4.52 × 4.13 m

4 pc ensuite · walk-in closet(s) · soaking tub

OfficeBasement3.44 × 3.04 m
Bedroom 2Second3.59 × 3.19 m

large window · double closet · california shutters

Dining RoomMain6.11 × 3.15 m

hardwood floor · crown moulding · combined w/living

KitchenMain4.85 × 3.53 m

granite counters · stainless steel appl · w/o to patio

Bedroom 4Second3.86 × 3.11 m

large window · double closet · california shutters

Living RoomMain6.05 × 3.15 m

combined w/dining · large window · california shutters

Bedroom 3Second3.59 × 3.12 m

large window · double closet · california shutters

Family RoomMain4.68 × 3.67 m

gas fireplace · california shutters · hardwood floor

BathroomBasement1.61 × 1.24 m
Our TakeTeam Asgarian · Broker
No automatic estimate

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Neighbourhood & location

Stouffville, Whitchurch-Stouffville, ON

CommuteTime from this home to where you spend your day

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Affordability & Mortgage

Affordability
$5,082/mo
$213KIncome needed
5.2×Price ÷ income
$1,173Weekly cost
$18,775Land 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.

91%mortgage
Mortgage $5,082Property tax $492Total carry $5,573

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)
$4,932per month

Mortgage amount $892,000 · 4.49% over 25 years

$223,000Down payment (20.0%)
$892,000Loan before insurance
$0CMHC premium
$5,424Total monthly cost

Total monthly cost

Mortgage payment (monthly equivalent)
$4,932
Property tax
$492
Condo / maintenance fees
$0
Heating
$0
Estimated monthly cost
$5,424

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

One-time closing costs

Ontario land transfer tax
$18,775
Estimated closing costs
$18,775

Plus your down payment of $223,000. Legal fees, title insurance, and adjustments are extra and vary by deal.

Mortgage stress test

6.49%Qualifying rate
$5,969/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

$587,606Total interest paid
$1,479,606Total of all payments
Principal $892,000 Interest $587,606
YearPrincipalInterestBalance
1$19,906$39,279$872,094
2$20,809$38,375$851,285
3$21,754$37,430$829,531
4$22,742$36,442$806,789
5$23,775$35,410$783,014
6$24,854$34,330$758,160
7$25,983$33,202$732,178
8$27,162$32,022$705,015
9$28,395$30,789$676,620
10$29,685$29,499$646,935
11$31,033$28,152$615,902
12$32,442$26,743$583,461
13$33,915$25,270$549,546
14$35,454$23,730$514,092
15$37,064$22,120$477,028
16$38,747$20,437$438,281
17$40,506$18,678$397,774
18$42,345$16,839$355,429
19$44,268$14,916$311,161
20$46,278$12,906$264,883
21$48,379$10,805$216,503
22$50,576$8,608$165,928
23$52,872$6,312$113,055
24$55,273$3,911$57,782
25$57,782$1,402$0

At the end of your 5-year term

Total paid over the term
$295,921
Principal paid down
$108,986
Interest paid
$186,935
Balance remaining
$783,014

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$3,150/mo
$37,800Gross annual rent
2.4%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.

3.4%
Gross yield
− Property tax $5,898− Insurance $1,400− Vacancy & upkeep $4,158Net operating income $26,344

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

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