1203-18 Harding Boulevard, Richmond Hill, ON

Harding, Richmond Hill · MLS® N14081586

$595,000
For Sale
Listed 4 days agoNo offer date stated
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2Bedrooms
2Bathrooms
1Garage
800-899Sq ft

About this home

In short

  • Welcome to this bright and spacious two-bedroom, two-bathroom condominium offering approximately 844 sq. ft. of interior living space, as per MPAC, plus a spacious...
  • The functional open-concept layout seamlessly connects the living, dining and kitchen areas, creating a comfortable setting for everyday living and entertaining.
  • The kitchen features stainless-steel appliances, granite countertops and a double sink, while hardwood flooring runs throughout the principal living areas.
  • The primary bedroom also features a four-piece ensuite.
  • Excellent building amenities and a highly convenient location close to shopping, restaurants, parks, public transit and major highways.

Welcome to this bright and spacious two-bedroom, two-bathroom condominium offering approximately 844 sq. ft. of interior living space, as per MPAC, plus a spacious balcony. The functional open-concept layout seamlessly connects the living, dining and kitchen areas, creating a comfortable setting for everyday living and entertaining. The kitchen features stainless-steel appliances, granite countertops and a double sink, while hardwood flooring runs throughout the principal living areas. Walk out to the balcony from either the living room or primary bedroom. The primary bedroom also features a four-piece ensuite. Includes ensuite laundry, one underground parking space and one owned locker. Enjoy an exceptional location just steps from Hillcrest Mall, Yonge Street, restaurants, parks, Richmond Hill Public Library, public transit and healthcare facilities. Convenient access to VIVA, GO Transit and Highways 7, 404 and 407 makes commuting throughout the GTA easy. Residents enjoy excellent building amenities, including 24-hour concierge and security, a fitness centre, games room, guest suites, party/meeting room and visitor parking. Maintenance fees include heat and water. An excellent opportunity for first-time buyers, downsizers, professionals or investors. One underground parking space and one locker. Excellent building amenities and a highly convenient location close to shopping, restaurants, parks, public transit and major highways.

Key facts

Property type
Condo Apartment, Apartment
MLS®
N14081586
Bedrooms
2
Bathrooms
2
Size
800-899 sq ft
Cross streets
Yonge St and Harding Blvd
Parking
1 garage (underground)
Basement
None
Heating
Forced Air
A/C
Central Air
Exterior
Concrete
Maintenance
$677/mo
Exposure
North
Property tax
$2,764 / 2025
Days on market
4
Listing brokerage
SUTTON GROUP-ADMIRAL REALTY INC.

Rooms

Living RoomMain3.62 × 3.32 m

combined w/dining · open concept · hardwood floor

BathroomMain1.99 × 2.67 m

3 Pc Bath

Bedroom 2Main2.92 × 3.27 m

closet · window · hardwood floor

KitchenMain1.94 × 3.47 m

granite counters · double sink · hardwood floor

BathroomMain2.36 × 1.64 m

4 Pc Ensuite

Primary BedroomMain2.83 × 4.37 m

w/o to balcony · 4 pc ensuite · hardwood floor

Dining RoomMain3.23 × 2.06 m

combined w/living · north view · hardwood floor

Our TakeTeam Asgarian · Broker
No automatic estimate

No automatic estimate is shown here: there is not a deep enough record of recent sales of homes like this one in this neighbourhood to support one.

Considering this property? Request a written price read

Neighbourhood & location

Harding, Richmond Hill, ON

CommuteTime from this home to where you spend your day

Enter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.

Nearby neighbourhoods

How asking prices compare in the closest areas to this home. Longer bars mean a pricier market.

North Richvale
$643K
Crosby
$905K
Observatory
$550K
Langstaff
$518K
South Richvale
$655K

Typical asking price of active listings of the same type, per area (outliers removed). Richmond Hill.

Get the full neighbourhood report (schools, parks, transit & safety) →

Affordability & Mortgage

Affordability
$2,712/mo
$127KIncome needed
4.7×Price ÷ income
$626Weekly cost
$8,375Land 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.

75%mortgage
Mortgage $2,712Property tax $230Condo fee $677Total carry $3,619

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)
$2,632per month

Mortgage amount $476,000 · 4.49% over 25 years

$119,000Down payment (20.0%)
$476,000Loan before insurance
$0CMHC premium
$3,539Total monthly cost

Total monthly cost

Mortgage payment (monthly equivalent)
$2,632
Property tax
$230
Condo / maintenance fees
$677
Heating
$0
Estimated monthly cost
$3,539

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

One-time closing costs

Ontario land transfer tax
$8,375
Estimated closing costs
$8,375

Plus your down payment of $119,000. Legal fees, title insurance, and adjustments are extra and vary by deal.

Mortgage stress test

6.49%Qualifying rate
$3,185/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

$313,566Total interest paid
$789,566Total of all payments
Principal $476,000 Interest $313,566
YearPrincipalInterestBalance
1$10,622$20,960$465,378
2$11,105$20,478$454,273
3$11,609$19,974$442,664
4$12,136$19,447$430,528
5$12,687$18,896$417,842
6$13,263$18,320$404,579
7$13,865$17,718$390,714
8$14,495$17,088$376,219
9$15,153$16,430$361,066
10$15,841$15,742$345,225
11$16,560$15,023$328,665
12$17,312$14,271$311,354
13$18,098$13,485$293,256
14$18,920$12,663$274,336
15$19,779$11,804$254,557
16$20,677$10,906$233,881
17$21,615$9,967$212,265
18$22,597$8,986$189,668
19$23,623$7,960$166,045
20$24,695$6,887$141,350
21$25,817$5,766$115,533
22$26,989$4,594$88,544
23$28,214$3,368$60,330
24$29,495$2,087$30,835
25$30,835$748$0

At the end of your 5-year term

Total paid over the term
$157,913
Principal paid down
$58,158
Interest paid
$99,755
Balance remaining
$417,842

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$2,700/mo
$32,400Gross annual rent
2.9%Cap rate after taxes and upkeep

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.

5.4%
Gross yield
− Property tax $2,764− Condo fees $8,125− Insurance $600− Vacancy & upkeep $3,564Net operating income $17,347

All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of SUTTON GROUP-ADMIRAL REALTY INC.. MLS®/PropTx.

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