429 North Lake Road, Richmond Hill, ON
Oak Ridges Lake Wilcox, Richmond Hill · MLS® N13885476
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About this home
**The home sits on a 49.21 x 232 ft lot with a direct view and frontage onto Lake Wilcox.**The property includes a private pier, offering convenient access to the lake for boating andwater activities.**The residence features nearly 3,400 sq. ft. of living space, with 4+2 generous bedrooms and 4bathrooms.**The main level offers a gourmet kitchen, a living room with soaring 16-ft ceilings and agranite fireplace, 10.5' on Between that includes one Lovely Bedroom, along with a family roomoverlooking the rear yard and lake.**Upper, Primary Bedroom w/Brand New Modern Ensuite , Walkout to Balcony ,2 Guests Bedroom,Large Sitting Area Drag In a Bunch of Lights through Skylight.**Fin. W/O Above Grade Bsmt to Yard & Lake, with 1 New Full Kitchen, 1 Great Room, 2 Rooms.**Stone Exterior, Tandem 3 Gar Garage, with Long Interlocking Driveway Parking 6 Cars.**Quality Materials Used Throughout and a Comprehensive Alarm and Video Surveillance System.**Outside: Professional Landscaping, Generous Patio, A Garden Kids Slide Set ,Direct access toLake Wilcox.**Very Convenient idyllic location , Close To Park, Trails, Schools & Public Transportation ,Minutes Away From Yonge St, Bayview Ave, Hwy 404, Etc.**House is Virtually Staged!
Key facts
- Property type
- Detached, Sidesplit 3
- MLS®
- N13885476
- Bedrooms
- 4+2 (6 total)
- Bathrooms
- 4 (1 half)
- Size
- 2000-2500 sq ft
- Lot
- 49.25 × 232.18 ft
- Cross streets
- Bayview / North Lake Rd
- Parking
- 3 garage · 9 parking (built-in)
- Driveway
- Private
- Basement
- Finished with Walk-Out
- Kitchens
- 2 (1 + 1)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick, Stone
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $8,916 / 2026
- Days on market
- 7
- Listing brokerage
- RIGHT AT HOME REALTY
Rooms
hardwood floor · picture window · gas fireplace
hardwood floor · closet · window
laminate · eat-in kitchen · w/o to garden
laminate · open concept
hardwood floor · open concept · overlooks backyard
hardwood floor · window
hardwood floor · window · closet
limestone flooring · combined w/living · open concept
Laminate
limestone flooring · stainless steel appl · granite counters
hardwood floor · open concept · overlooks backyard
hardwood floor · 5 pc ensuite · w/o to balcony
hardwood floor · window · closet
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Oak Ridges Lake Wilcox, Richmond Hill, 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
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 $1,832,000 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $10,129
- Property tax
- $743
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $10,872
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $43,725
- Estimated closing costs
- $43,725
Plus your down payment of $458,000. 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
- $607,767
- Principal paid down
- $223,837
- Interest paid
- $383,930
- Balance remaining
- $1,608,163
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
Income potential: the basement has a separate entrance, which often supports a rentable in-law or second suite. That can lift real rent well above the figure above and help carry the mortgage. Ask us about permitted use in this area.
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 RIGHT AT HOME REALTY. MLS®/PropTx.