20 Sanderson Crescent, Richmond Hill, ON

North Richvale, Richmond Hill · MLS® N13823186

$1,368,000
For Sale
Listed 26 days agoNo offer date stated
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3Bedrooms
2Bathrooms
2Garage · 6 parking
1500-2000Sq ft

About this home

In short

  • Upgraded and Well maintained Side split Detached in the Heart of Richmond Hill with a 75Ft frontage.
  • Open Concept layout with upgraded Kitchen and Appliances.
  • Open Concept Living/Dining Room for your family gatherings.
  • 3 Large Bedrooms for yourfamily's comfort and everyday living.

Upgraded and Well maintained Side split Detached in the Heart of Richmond Hill with a 75Ft frontage. Perfect forinvestments for future potential. Upsize/Downsize, or Build your family. Open Concept layout with upgraded Kitchen and Appliances. OwnerLived in and very well maintained throughout the years. Open Concept Living/Dining Room for your family gatherings. 3 Large Bedrooms for yourfamily's comfort and everyday living. Walking distance to Award Winning schools, Public Transits, Library and hospital, Many Grocery stores &Restaurants and much more.

Key facts

Property type
Detached, 2-Storey
MLS®
N13823186
Bedrooms
3
Bathrooms
2
Size
1500-2000 sq ft
Lot
75 × 114.66 ft
Cross streets
Bathurst/Carrville
Parking
2 garage · 6 parking (attached)
Driveway
Private
Basement
Finished, Partially Finished
Heating
Forced Air
A/C
Central Air
Exterior
Brick
Foundation
Concrete
Roof
Unknown
Sewer
Sewer
Property tax
$7,092 / 2026
Days on market
26
Listing brokerage
SUTTON GROUP-ADMIRAL REALTY INC.

Rooms

KitchenMain4.30 × 3.06 m

large window · stainless steel appl · open concept

Bedroom 3Second4.14 × 2.82 m

large closet · large window

RecreationBasement4.72 × 4.33 m

above grade window · b/i shelves

Primary BedroomSecond3.87 × 3.71 m

double closet · large window

Living RoomMain4.70 × 4.40 m

open concept · large window · overlooks frontyard

Dining RoomMain3.20 × 3.05 m

large window · large window

Bedroom 2Second4.17 × 3.44 m

large closet · large window

Family RoomMain3.98 × 3.06 m

w/o to yard · fireplace

Our TakeTeam Asgarian · Broker
No automatic estimate

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 read

Neighbourhood & location

North Richvale, Richmond Hill, ON

CommuteTime from this home to where you spend your day

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Affordability & Mortgage

Affordability
$6,235/mo
$260KIncome needed
5.3×Price ÷ income
$1,439Weekly cost
$23,835Land 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 $6,235Property tax $591Total carry $6,826

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)
$6,051per month

Mortgage amount $1,094,400 · 4.49% over 25 years

$273,600Down payment (20.0%)
$1,094,400Loan before insurance
$0CMHC premium
$6,642Total monthly cost

Total monthly cost

Mortgage payment (monthly equivalent)
$6,051
Property tax
$591
Condo / maintenance fees
$0
Heating
$0
Estimated monthly cost
$6,642

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

One-time closing costs

Ontario land transfer tax
$23,835
Estimated closing costs
$23,835

Plus your down payment of $273,600. Legal fees, title insurance, and adjustments are extra and vary by deal.

Mortgage stress test

6.49%Qualifying rate
$7,324/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

$720,938Total interest paid
$1,815,338Total of all payments
Principal $1,094,400 Interest $720,938
YearPrincipalInterestBalance
1$24,422$48,191$1,069,978
2$25,531$47,082$1,044,446
3$26,690$45,923$1,017,756
4$27,902$44,711$989,854
5$29,169$43,444$960,685
6$30,494$42,120$930,191
7$31,878$40,735$898,313
8$33,325$39,288$864,987
9$34,839$37,775$830,149
10$36,420$36,193$793,728
11$38,074$34,539$755,654
12$39,803$32,811$715,852
13$41,610$31,004$674,242
14$43,499$29,114$630,742
15$45,474$27,139$585,268
16$47,539$25,075$537,729
17$49,697$22,916$488,032
18$51,954$20,660$436,078
19$54,313$18,301$381,765
20$56,779$15,835$324,986
21$59,357$13,257$265,629
22$62,052$10,562$203,577
23$64,869$7,744$138,708
24$67,815$4,799$70,894
25$70,894$1,720$0

At the end of your 5-year term

Total paid over the term
$363,068
Principal paid down
$133,715
Interest paid
$229,352
Balance remaining
$960,685

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
1.8%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.

2.8%
Gross yield
− Property tax $7,092− Insurance $1,400− Vacancy & upkeep $4,158Net operating income $25,150

All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of SUTTON GROUP-ADMIRAL REALTY INC.. MLS®/PropTx.

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