4 Rothbury Road, Richmond Hill, ON

Westbrook, Richmond Hill · MLS® N14004366

$1,498,000
For Sale
Listed 2 days agoNo offer date stated

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4+2Bedrooms
6Bathrooms
2Garage · 4 parking
3000-3500Sq ft

About this home

In short

  • Welcome to the highly sought-after Westbrook community.
  • This spacious 4-bedroom detached home offers an exceptional family-friendly layout, featuring a main-floor office, an impressive high-ceiling foyer, 9-ft smooth...
  • The fully finished basement offers exceptional versatility, featuring a separate entrance, 2 bedrooms, 2 bathrooms, a full kitchen, and separate laundry...

Welcome to the highly sought-after Westbrook community! This spacious 4-bedroom detached home offers an exceptional family-friendly layout, featuring a main-floor office, an impressive high-ceiling foyer, 9-ft smooth ceilings, hardwood floors, and a bright family room with a cozy gas fireplace.The well-appointed kitchen features a large centre island, granite countertops, ample cabinetry, and plenty of space for everyday living and entertaining. Upstairs, you'll find four generously sized bedrooms, convenient second-floor laundry, a spacious primary bedroom with his-and-hers closets, and a Jack-and-Jill bathroom connecting two bedrooms.The fully finished basement offers exceptional versatility, featuring a separate entrance, 2 bedrooms, 2 bathrooms, a full kitchen, and separate laundry facilities-ideal for extended family or multi-generational living.Ideally located near excellent schools, including Trillium Woods Public School, Richmond Hill High School, and St. Theresa of Lisieux Catholic High School. Enjoy convenient access to Yonge Street, parks, shopping, restaurants, transit, and everyday amenities.A fantastic opportunity to own a spacious and versatile family home in one of Richmond Hill's most desirable neighbourhoods!

Key facts

Property type
Detached, 2-Storey
MLS®
N14004366
Bedrooms
4+2 (6 total)
Bathrooms
6 (2 half)
Size
3000-3500 sq ft
Lot
40.05 × 98.55 ft
Cross streets
Yonge St & Gamble Rd
Parking
2 garage · 4 parking (attached)
Basement
Separate Entrance, Apartment, Finished
Kitchens
2 (1 + 1)
Heating
Forced Air
A/C
Central Air
Exterior
Brick, Stone
Foundation
Poured Concrete
Roof
Asphalt Shingle
Sewer
Sewer
Property tax
$7,879 / 2025
Days on market
2
Listing brokerage
RE/MAX HALLMARK REALTY LTD.
Our TakeTeam Asgarian · Broker
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Neighbourhood & location

Westbrook, Richmond Hill, ON

CommuteTime from this home to where you spend your day

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Affordability & Mortgage

Affordability
$6,827/mo
$284KIncome needed
5.3×Price ÷ income
$1,576Weekly cost
$26,435Land 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.

91%mortgage
Mortgage $6,827Property tax $657Total carry $7,484

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)
$6,626per month

Mortgage amount $1,198,400 · 4.49% over 25 years

$299,600Down payment (20.0%)
$1,198,400Loan before insurance
$0CMHC premium
$7,283Total monthly cost

Total monthly cost

Mortgage payment (monthly equivalent)
$6,626
Property tax
$657
Condo / maintenance fees
$0
Heating
$0
Estimated monthly cost
$7,283

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

One-time closing costs

Ontario land transfer tax
$26,435
Estimated closing costs
$26,435

Plus your down payment of $299,600. Legal fees, title insurance, and adjustments are extra and vary by deal.

Mortgage stress test

6.49%Qualifying rate
$8,020/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

$789,448Total interest paid
$1,987,848Total of all payments
Principal $1,198,400 Interest $789,448
YearPrincipalInterestBalance
1$26,743$52,771$1,171,657
2$27,957$51,556$1,143,699
3$29,227$50,287$1,114,473
4$30,554$48,960$1,083,919
5$31,941$47,573$1,051,978
6$33,391$46,123$1,018,586
7$34,907$44,606$983,679
8$36,492$43,022$947,186
9$38,149$41,365$909,037
10$39,881$39,632$869,156
11$41,692$37,822$827,464
12$43,585$35,929$783,878
13$45,564$33,950$738,314
14$47,633$31,881$690,681
15$49,796$29,718$640,886
16$52,057$27,457$588,829
17$54,420$25,094$534,409
18$56,891$22,623$477,518
19$59,474$20,040$418,044
20$62,174$17,339$355,869
21$64,997$14,516$290,872
22$67,949$11,565$222,923
23$71,034$8,480$151,890
24$74,259$5,255$77,631
25$77,631$1,883$0

At the end of your 5-year term

Total paid over the term
$397,570
Principal paid down
$146,422
Interest paid
$251,147
Balance remaining
$1,051,978

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$6,300/mo
$75,600Gross annual rent
3.9%Cap rate after taxes and upkeep

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 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.

5.0%
Gross yield
− Property tax $7,879− Insurance $1,400− Vacancy & upkeep $8,316Net operating income $58,005

All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of RE/MAX HALLMARK REALTY LTD.. MLS®/PropTx.

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