9976 McCowan Road, Markham, ON

Berczy, Markham · MLS® N13831706

$808,000
For Sale
Listed 23 days agoNo offer date stated
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3Bedrooms
3Bathrooms
1Garage · 2 parking
1100-1500Sq ft

About this home

In short

  • Absolutely Stunning Free Hold (No POTL Fee) Townhome in Prestigious Berczy Community.
  • Rarely Offered and Beautifully Maintained 3 Bedroom Residence Located In One Of Markham's Most Desirable Neighbourhoods And Top-Ranked School Districts - Stonebridge...
  • Featuring A Bright & Functional Open-Concept Layout With Laminate Flooring Throughout, Lots Of Pot Lights.
  • The Professionally Finished Basement Provides Valuable Additional Living Space .Sun-Filled Interiors, Thoughtful Upgrades, And Pride Of Ownership Throughout.
  • Prime Location Just Minutes To Parks, Restaurants, Shopping, Supermarkets, Transit, And Major Highways.

Absolutely Stunning Free Hold (No POTL Fee) Townhome in Prestigious Berczy Community! Rarely Offered and Beautifully Maintained 3 Bedroom Residence Located In One Of Markham's Most Desirable Neighbourhoods And Top-Ranked School Districts - Stonebridge P.S. & Pierre Elliott Trudeau H.S. Featuring A Bright & Functional Open-Concept Layout With Laminate Flooring Throughout, Lots Of Pot Lights. Morden Kitchen With Stainless Steel Appliances, Spacious Living & Dining Areas Perfect For Family Living And Entertaining. Main Floor Laundry Adds Everyday Convenience. Enjoy Two Generously Sized Ensuite Bedrooms On The Third Floor Offering Exceptional Comfort, Privacy. The Professionally Finished Basement Provides Valuable Additional Living Space .Sun-Filled Interiors, Thoughtful Upgrades, And Pride Of Ownership Throughout. Prime Location Just Minutes To Parks, Restaurants, Shopping, Supermarkets, Transit, And Major Highways. An Incredible Opportunity To Own In One Of Markham's Most Sought-After Family Communities!

Key facts

Property type
Townhouse, 3-Storey
MLS®
N13831706
Bedrooms
3
Bathrooms
3 (1 half)
Size
1100-1500 sq ft
Lot
12.99 × 73.82 ft
Cross streets
McCowan Rd / Major Mackenzie
Parking
1 garage · 2 parking (built-in)
Driveway
Private
Basement
Finished
Heating
Forced Air
A/C
Central Air
Exterior
Brick
Foundation
Concrete
Roof
Shingles
Sewer
Sewer
Property tax
$3,911 / 2026
Days on market
23
Listing brokerage
HOMELIFE LANDMARK REALTY INC.

Rooms

Living RoomSecond5.49 × 3.66 m

laminate · combined w/dining · window

Bedroom 3Main2.53 × 2.16 m

laminate · window

BreakfastSecond3.66 × 1.86 m

ceramic floor · w/o to deck

KitchenSecond3.66 × 2.74 m

ceramic floor · stainless steel appl · backsplash

Bedroom 2Third3.88 × 3.08 m

laminate · 3 pc ensuite · large window

Dining RoomSecond5.49 × 3.66 m

laminate · combined w/living · window

RecreationBasement5.64 × 3.51 m

laminate · window

Primary BedroomThird3.88 × 3.08 m

laminate · 4 pc ensuite · large window

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

Berczy, Markham, ON

CommuteTime from this home to where you spend your day

Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.

Nearby neighbourhoods

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

Wismer
$1.00M
Angus Glen
$1.30M
Greensborough
$866K
Village Green-South Unionville
$995K
Unionville
$1.40M

Typical asking price of active listings of the same type, per area (outliers removed). Markham.

Get the full neighbourhood report (schools, parks, transit & safety) →

Affordability & Mortgage

Affordability
$3,683/mo
$154KIncome needed
5.2×Price ÷ income
$850Weekly cost
$12,635Land 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 $3,683Property tax $326Total carry $4,008

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 19, 2026); conventional rates run a little higher.

years
years (your rate-locked period)
$3,574per month

Mortgage amount $646,400 · 4.49% over 25 years

$161,600Down payment (20.0%)
$646,400Loan before insurance
$0CMHC premium
$3,900Total monthly cost

Total monthly cost

Mortgage payment (monthly equivalent)
$3,574
Property tax
$326
Condo / maintenance fees
$0
Heating
$0
Estimated monthly cost
$3,900

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

One-time closing costs

Ontario land transfer tax
$12,635
Estimated closing costs
$12,635

Plus your down payment of $161,600. Legal fees, title insurance, and adjustments are extra and vary by deal.

Mortgage stress test

6.49%Qualifying rate
$4,326/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

$425,817Total interest paid
$1,072,217Total of all payments
Principal $646,400 Interest $425,817
YearPrincipalInterestBalance
1$14,425$28,464$631,975
2$15,080$27,809$616,895
3$15,765$27,124$601,131
4$16,480$26,408$584,650
5$17,229$25,660$567,422
6$18,011$24,878$549,411
7$18,829$24,060$530,582
8$19,683$23,205$510,899
9$20,577$22,311$490,322
10$21,511$21,377$468,810
11$22,488$20,400$446,322
12$23,509$19,379$422,813
13$24,577$18,312$398,236
14$25,693$17,196$372,544
15$26,859$16,030$345,685
16$28,079$14,810$317,606
17$29,353$13,535$288,253
18$30,686$12,202$257,566
19$32,079$10,809$225,487
20$33,536$9,353$191,951
21$35,059$7,830$156,892
22$36,651$6,238$120,242
23$38,315$4,574$81,927
24$40,054$2,834$41,873
25$41,873$1,016$0

At the end of your 5-year term

Total paid over the term
$214,443
Principal paid down
$78,978
Interest paid
$135,465
Balance remaining
$567,422

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$2,300/mo
$27,600Gross 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 $3,911− Insurance $1,400− Vacancy & upkeep $3,036Net operating income $19,253

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

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