12855 Ninth Line, Whitchurch-Stouffville, ON
Stouffville, Whitchurch-Stouffville · MLS® N13831876
About this home
In short
- Relaxed country living at the edge of Town-The home sits on a 100'x 200' yard backing onto creek & conservation, with nature all around.
- Spacious well maintained 3+1 bedroom bungalow , finished basement with detached 18'x 42' garage .
- Large front porch wraps around the south side with walk-out from dining room a perfect spot for the BBQ , there are stairs leading down to large patio and above...
- Open concept living room offers plenty of room to entertain family & friends.
- Close to all amenities ,schools, parks, shopping ,golf.
Relaxed country living at the edge of Town-The home sits on a 100'x 200' yard backing onto creek & conservation, with nature all around. Spacious well maintained 3+1 bedroom bungalow , finished basement with detached 18'x 42' garage . Country-style kit with centre island, breakfast bar, pantry, B/I appliances open to dining area. Large front porch wraps around the south side with walk-out from dining room a perfect spot for the BBQ , there are stairs leading down to large patio and above ground pool. Open concept living room offers plenty of room to entertain family & friends. Master bedroom with custom built-in oak closet, plus 2 more bedrooms. The finished lower level with 4th Br, games rm, rec room ,bar & large windows brings the sunlight in-ideal for teenagers, inlaw suite, home office & extended family ! Close to all amenities ,schools, parks, shopping ,golf. Enjoy the outdoors, extra space without giving up the convenience of town !
Key facts
- Property type
- Detached, Bungalow-Raised
- MLS®
- N13831876
- Bedrooms
- 3+1 (4 total)
- Bathrooms
- 2 (1 half)
- Size
- 1100-1500 sq ft
- Lot
- 100 × 200 ft
- Cross streets
- Bethesda/9TH line N
- Parking
- 2 garage · 12 parking (other)
- Driveway
- Private
- Basement
- Partially Finished, Separate Entrance
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Stone, Vinyl Siding
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Sewer
- Septic
- Pool
- Above Ground
- Property tax
- $6,235 / 2026
- Days on market
- 23
- Listing brokerage
- GALLO REAL ESTATE LTD.
Rooms
laminate · closet
b/i shelves · broadloom · overlooks backyard
laminate · picture window · overlooks dining
centre island · b/i appliances · pantry
w/o to deck · laminate · overlooks backyard
closet · above grade window
b/i bar · b/i fridge · broadloom
laminate · closet
above grade window · broadloom
Listed at $899,900. Going by how homes in Stouffville have actually closed against their asking prices (about 98%, 57 local closings in 90 days), the likely sale price is near $878K, if it sells. A realistic range is $822K to $989K.
Independent value check: no figure for this home. Going only by the sales record, our model lands more than 25% above the ask. At that distance an automated figure has rarely been close to the eventual sale price, so we are not printing one. The usual reason is something the record cannot show: the home's condition, or an asking price set as a starting point for offers.
Total price vs nearby homes. Likely closing about $878K, from 57 recent closings in this pocket.
The market behind the math:
About 3.5 months of inventory: 66 detached homes for sale in the area against 57 closings in the last 90 days. Under two months favours sellers, over four favours buyers.
Price per square foot: this home lists at $692/sqft against an area asking average of $622/sqft.
- Separate-entrance basement apartment features. A finished 1 bed basement apartment with a separate entrance. A self-contained space for extended family, guests or potential income. Basements do rent in Stouffville: 37 of the 228 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 Town of Whitchurch-Stouffville.
- Ravine / green setting. This home sits beside a ravine creek. A premium that comparable-sales math under-prices, so read the estimate as a floor.
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 57 most comparable recent sales on their own, adjusted for size, beds, baths and lot, point to about $1.03M. 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.
- Finished basement: added living space, worth checking ceiling height and that the work was permitted. Value driver
- Pool: lifestyle appeal, but adds maintenance, insurance, and resale is mixed. Weigh carefully
- Open-concept layout: modern, sought-after flow. 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
Below comparable homes on total price, yet the price per square foot ($692/sqft) is above the area, which usually points to a smaller or more efficient layout.
There were not many closely comparable homes right in Stouffville, so I widened the search to the surrounding area.
Based on 57 comparable homes that sold in Stouffville over the past two years, from 483 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 $738/sqft; this home lists at $692/sqft. Size is part of the price story, not just the sticker.
The 3 closest active listings nearby.
See all comparable homesSold price trend
Median sold price for detached homes in Stouffville: $1.17M in September 2026, down 1% from a year ago, on 249 closings in 12 months.
Line: median sold price, each month averaged with its neighbours and weighted by closings. Bars: closings that month.
Month by month
| Month | Median sold | Closings |
|---|---|---|
| October 2025 | $1.26M | 31 |
| November 2025 | $1.15M | 32 |
| December 2025 | $1.23M | 14 |
| January 2026 | $1.28M | 12 |
| February 2026 | $1.21M | 13 |
| March 2026 | $1.29M | 15 |
| April 2026 | $1.19M | 18 |
| May 2026 | $1.08M | 22 |
| June 2026 | $1.20M | 23 |
| July 2026 | $1.13M | 26 |
| August 2026 | $1.23M | 22 |
| September 2026 | $1.17M | 21 |
Neighbourhood & location
Stouffville, Whitchurch-Stouffville, 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). Whitchurch-Stouffville.
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
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 $719,920 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $3,981
- Property tax
- $520
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,500
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $14,473
- Estimated closing costs
- $14,473
Plus your down payment of $179,980. 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
- $238,834
- Principal paid down
- $87,961
- Interest paid
- $150,873
- Balance remaining
- $631,959
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 Stouffville (37 of 228 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 13 whole-home leases in Stouffville signed at a median of $3,059 a month; adjusted to this home for size, beds and baths, and for where rents stood the month each signed, that is $2,706. 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 GALLO REAL ESTATE LTD.. MLS®/PropTx.