46 Holtby Street, Richmond Hill, ON
Oak Ridges, Richmond Hill · MLS® N13819694
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About this home
In short
- This is a genuine 2 Storeyt freehold(Not POTL) townhouse linked by a garage on one side, situated in the Oak Ridge area of Richmond Hill.
- It is located in a highly family-friendly and tranquil neighborhood, conveniently close to parks and schools.
- The main floor features a practical layout with no wasted space: it boasts high ceilings and a spacious family room with a fireplace that overlooks a generous...
- The unfinished basement is ready for your personal decorative input.
This is a genuine 2 Storeyt freehold(Not POTL) townhouse linked by a garage on one side, situated in the Oak Ridge area of Richmond Hill. It is located in a highly family-friendly and tranquil neighborhood, conveniently close to parks and schools. The main floor features a practical layout with no wasted space: it boasts high ceilings and a spacious family room with a fireplace that overlooks a generous breakfast area; a large kitchen equipped with a window and tall upper cabinets; and a combined living and dining area that facilitates hassle-free furniture arrangement. Modern new light fixtures enhance the ambiance. The second floor comprises three well-sized bedrooms. There is direct access from the deep garage to both the house and the backyard, which is fully fenced and paved. The unfinished basement is ready for your personal decorative input. Closing is flexible.
Key facts
- Property type
- Townhouse, 2-Storey
- MLS®
- N13819694
- Bedrooms
- 3
- Bathrooms
- 3 (1 half)
- Size
- 1500-2000 sq ft
- Lot
- 24.61 × 88.58 ft
- Cross streets
- Bathurst St/ King St
- Parking
- 1 garage · 2 parking (built-in)
- Basement
- Unfinished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Vinyl Siding
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $4,606 / 2026
- Days on market
- 20
- Listing brokerage
- LANDSTARS 360 REALTY INC.
Rooms
large window · large closet
combined w/dining · window · laminate
large window · laminate
4 pc ensuite · walk-in closet(s) · laminate
window · backsplash · ceramic floor
w/o to yard · fireplace · laminate
overlooks family · formal rm · ceramic floor
combined w/living · window · laminate
No automatic estimate is shown here: there are not enough closely comparable recent sales nearby to support one.
Considering this property? Request a written price readNeighbourhood & location
Oak Ridges, Richmond Hill, ON
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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 4.34% via Ratehub.ca (as of October 20, 2026); conventional rates run a little higher.
Mortgage amount $767,200 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $4,242
- Property tax
- $384
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,626
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $15,655
- Estimated closing costs
- $15,655
Plus your down payment of $191,800. 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
- $254,519
- Principal paid down
- $93,738
- Interest paid
- $160,781
- Balance remaining
- $673,462
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 numbersEstimates 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.
Helpful resources
All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of LANDSTARS 360 REALTY INC.. MLS®/PropTx.