22 Ratcliff Road, Whitchurch-Stouffville, ON
Rural Whitchurch-Stouffville, Whitchurch-Stouffville · MLS® N13886806
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About this home
In short
- Exclusive Bethesda Estate location Approx.
- 7.62 private scenic acres boasts a 3.5acres of pond.
- Solid multi level 4 bedrooms home.
Exclusive Bethesda Estate location Approx. 7.62 private scenic acres boasts a 3.5acres of pond. Solid multi level 4 bedrooms home. Spacious rooms with spectacular views of water, bridges and perennial garden are an entertainer's dream. This property offers an incredible opportunity, the home can easily be lived in, while it is also prime for development; renovate, rent out and/or landbank for the future. Large lots with nature pond are becoming a rarity and demand for private enclaves with amazing locations hasn't waned. This location is ideal for cul-de-sac custom built mansion with park-like garden. There are lots of new build on the go in the area.
Key facts
- Property type
- Detached, Sidesplit 4
- MLS®
- N13886806
- Bedrooms
- 3+1 (4 total)
- Bathrooms
- 5 (1 half)
- Size
- 2500-3000 sq ft
- Lot
- 290.77 × 1264 ft
- Cross streets
- Bethesda/Kennedy
- Parking
- 2 garage · 10 parking (built-in)
- Basement
- Finished
- Heating
- Forced Air
- A/C
- None
- Exterior
- Brick
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Sewer
- Septic
- Pool
- Inground
- Property tax
- $12,784 / 2025
- Days on market
- 5
- Listing brokerage
- RE/MAX IMPERIAL REALTY INC.
No automatic estimate is shown here: there are not enough closely comparable recent sales nearby to support one.
Considering this property? Request a written price readNeighbourhood & location
Rural Whitchurch-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
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
- $1,065
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $11,195
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
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 RE/MAX IMPERIAL REALTY INC.. MLS®/PropTx.