39 Oxford Street, Richmond Hill, ON
Mill Pond, Richmond Hill · MLS® N13829564
About this home
In short
- Gorgeous 4+2 Bdrm 4 Baths Detached in Prestigious " Mill Pond".
- All Brick Exterior with Covered Porch. $$$ Upgrades: Crown Moulding, Hardwood/Laminate Flooring & Pot Lights on Main & Upper.
- Master with 5pcs Ensuite, W/I Closet & Office/Sitting area Combined.
- Basement with Separate Entrance, 2 Bdrm, Rec, Kitchen, Game Rm, 3pcs Bath & the 2nd Laundry Rm.
- Steps to Shopping Plaza & Public Transit.
Gorgeous 4+2 Bdrm 4 Baths Detached in Prestigious " Mill Pond". 51.51' x 131.96' Large Lot. Approx. 4400 S.F. Living Space ( 3150 S.F + Fin. Bsmt ). All Brick Exterior with Covered Porch. $$$ Upgrades: Crown Moulding, Hardwood/Laminate Flooring & Pot Lights on Main & Upper. Modern Kitchen Cabinets w/ Valance Lighting & S/S Appl, Quartz Countertop & Backsplash, Oak Staircase. Granite/ Quartz Vanity Tops in All Baths. Master with 5pcs Ensuite, W/I Closet & Office/Sitting area Combined. Fin. Basement with Separate Entrance, 2 Bdrm, Rec, Kitchen, Game Rm, 3pcs Bath & the 2nd Laundry Rm. Main Floor Laundry direct access to Garage. South Exposure Fenced Backyard with Patio & inground planter Box. Interlocking Long Driveway good for 4 Cars. Steps to Shopping Plaza & Public Transit. Close to Park, School & Supermarket. Mins Drive to Go Train Station & Hillcrest Mall, High Ranking Schools: St. Mary Immaculate Catholic Elementary School ( 81/2995), Alexander Mackenzie H.S. (70/732), St.Theresa of Lisieux Catholic H.S (3/732).
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- N13829564
- Bedrooms
- 4+2 (6 total)
- Bathrooms
- 4 (1 half)
- Size
- 3000-3500 sq ft
- Lot
- 51.51 × 131.96 ft
- Cross streets
- Yonge / Oxford
- Parking
- 2 garage · 6 parking (attached)
- Driveway
- Private Double
- Basement
- Finished, Separate Entrance
- Kitchens
- 2 (1 + 1)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Concrete
- Roof
- Shingles
- Sewer
- Sewer
- Property tax
- $8,490 / 2026
- Days on market
- 24
- Listing brokerage
- HOMELIFE LANDMARK RH REALTY
Rooms
window · separate room · ceramic floor
3 pc bath · window · ceramic floor
pot lights · crown moulding · hardwood floor
5 pc ensuite · walk-in closet(s) · hardwood floor
window · open concept · ceramic floor
quartz counter · backsplash · stainless steel appl
hardwood floor · crown moulding · french doors
crown moulding · large window · hardwood floor
south view · large window · w/o to deck
large closet · large window · hardwood floor
large window · south view · combined w/sitting
4 pc bath · large closet · hardwood floor
4 pc bath · large closet · hardwood floor
access to garage · laundry sink · ceramic floor
large window · south view · hardwood floor
window · open concept · ceramic floor
semi ensuite · large closet · hardwood floor
access to garage · laundry sink · ceramic floor
5 pc ensuite · walk-in closet(s) · hardwood floor
crown moulding · large window · hardwood floor
window · open concept · ceramic floor
open concept · window · ceramic floor
fireplace · pot lights · hardwood floor
fireplace · pot lights · hardwood floor
crown moulding · large window · hardwood floor
open concept · window · ceramic floor
quartz counter · backsplash · stainless steel appl
window · separate room · ceramic floor
window · open concept · ceramic floor
large window · large closet · hardwood floor
semi ensuite · large closet · hardwood floor
fireplace · pot lights · hardwood floor
3 pc bath · window · ceramic floor
Listed at $1,699,000. Going by how homes in Mill Pond and the wider GTA have actually closed against their asking prices (about 98%, 20 local closings in 90 days), the likely sale price is near $1.67M, if it sells. A realistic range is $1.56M to $1.88M.
Independent value check: $1.62M. Without looking at the asking price, our model values the home itself about 5% below the ask (homes like it typically land between $1.52M and $1.70M).
Why $1.62M. The typical detached home sold in Mill Pond over the past year went for about $1.53M (73 sales). What sets this one apart:
- ▲ Raises itIts tax bill, which follows the city's own assessment, is $8,490 a year; the typical home sold here pays about $7,900.
- ▲ Raises it slightlyIt is 3,000 to 3,500 sq ft; the typical home sold here is 2,500 to 3,000.
Total price vs nearby homes. Likely closing about $1.67M, from 20 recent closings in this pocket.
The market behind the math:
About 2.6 months of inventory: 17 detached homes for sale in the area against 20 closings in the last 90 days. Under two months favours sellers, over four favours buyers.
Price per square foot: this home lists at $523/sqft against an area asking average of $614/sqft.
- Separate-entrance basement apartment features. A finished 2 bed basement apartment with a separate entrance and a second kitchen. A self-contained space for extended family, guests or potential income. Basements do rent in Mill Pond: 39 of the 146 detached leases here lately were basement units, around $1,800 a month. That makes the suite real income. Second-suite retrofit status is not verified. A buyer intending to rent should confirm requirements with the City of Richmond Hill.
How this estimate is builtthe short version
This figure comes from a model built on about 44,000 recent GTA sales. It weighs this home’s tax assessment, size, age, location and features against what homes like it actually sold for, including sales in this neighbourhood.
It never sees the asking price. The 20 most comparable recent sales on their own, adjusted for size, beds, baths and lot, point to about $1.60M. Condition and finishes remain an in-person call.
What the listing highlights4 points to weigh
Claims from the listing, worth confirming in person. I can book you a private showing.
- Separate entrance / basement suite: rental or in-law income potential, if it is legally registered and retrofit-compliant. Income potential
- Primary suite: a key comfort and resale feature. Lifestyle
- Hardwood floors: quality hardwood is durable and broadly desirable. Lifestyle
- Transit / schools nearby: convenience and resale support, verify the exact distances and school catchment. Value driver
Read this with carewhy it’s an estimate, not an appraisal
Priced above comparable homes overall, but the price per square foot ($523/sqft) is below the area, so you are paying for extra space rather than a premium.
Based on 20 comparable homes that sold in Mill Pond over the past two years, from 156 closings there.
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 $612/sqft; this home lists at $523/sqft. Size is part of the price story, not just the sticker.
The 5 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
Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
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 $1,359,200 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $7,515
- Property tax
- $708
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $8,223
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $30,455
- Estimated closing costs
- $30,455
Plus your down payment of $339,800. 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
- $450,915
- Principal paid down
- $166,069
- Interest paid
- $284,846
- Balance remaining
- $1,193,131
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 28 whole-home leases in Mill Pond signed at a median of $6,318 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $6,494. 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 HOMELIFE LANDMARK RH REALTY. MLS®/PropTx.