45 Palmwood Gate, Whitchurch-Stouffville, ON
Stouffville, Whitchurch-Stouffville · MLS® N13862210
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About this home
In short
- This is the one folks, a warm and beautifully updated family home on an impressive wide lot in a quiet Stouffville neighbourhood.
- With 4 bedrooms upstairs, 3 bathrooms in total, plus a spacious finished lower level with an additional bedroom and newly renovated ensuite, there is room here for a...
- The bright main floor is filled with natural light and features hardwood flooring, a gorgeous renovated kitchen with quartz counters, oversized island, Sub-Zero...
- Hardwood continues throughout the upper level, while the basement offers durable laminate flooring and an expansive entertaining space.
- Outside, enjoy a huge private yard with a garden shed, gas BBQ hookup and plenty of room to play, entertain or garden.
This is the one folks, a warm and beautifully updated family home on an impressive wide lot in a quiet Stouffville neighbourhood. With 4 bedrooms upstairs, 3 bathrooms in total, plus a spacious finished lower level with an additional bedroom and newly renovated ensuite, there is room here for a growing family, guests, a home office or multi-generational living. The bright main floor is filled with natural light and features hardwood flooring, a gorgeous renovated kitchen with quartz counters, oversized island, Sub-Zero refrigerator and Wolf gas range, plus a comfortable living room and breakfast area overlooking the yard. Hardwood continues throughout the upper level, while the basement offers durable laminate flooring and an expansive entertaining space. Outside, enjoy a huge private yard with a garden shed, gas BBQ hookup and plenty of room to play, entertain or garden. The backyard maple tree has even been tapped for syrup year after year. Parking is easy with space for four cars in the driveway plus the attached garage. A rare combination of space, upgrades, lot size and family-friendly location, all in one of Stouffville's established residential pockets.
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- N13862210
- Bedrooms
- 4+1 (5 total)
- Bathrooms
- 3 (1 half)
- Size
- 1100-1500 sq ft
- Lot
- 49.39 × 119.15 ft
- Cross streets
- Main St & Ninth Line
- Parking
- 1 garage · 5 parking (built-in)
- Driveway
- Private
- Basement
- Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Vinyl Siding
- Foundation
- Unknown
- Roof
- Unknown
- Sewer
- Sewer
- Property tax
- $4,849 / 2026
- Days on market
- 13
- Listing brokerage
- ON THE BLOCK
Rooms
hardwood floor · overlooks backyard
Hardwood Floor
Hardwood Floor
laminate · brick fireplace
laminate · 3 pc ensuite
laundry sink · pot lights · access to garage
stainless steel appl · centre island · hardwood floor
walk-out · pot lights
Hardwood Floor
Hardwood Floor
large window · hardwood floor · pot lights
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Considering this property? Request a written price readNeighbourhood & location
Stouffville, Whitchurch-Stouffville, 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 19, 2026); conventional rates run a little higher.
Mortgage amount $840,000 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $4,645
- Property tax
- $404
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $5,049
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $17,475
- Estimated closing costs
- $17,475
Plus your down payment of $210,000. 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
- $278,670
- Principal paid down
- $102,632
- Interest paid
- $176,038
- Balance remaining
- $737,368
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 ON THE BLOCK. MLS®/PropTx.