160 Elgin Mills Road, Richmond Hill, ON

Westbrook, Richmond Hill · MLS® N14088024

$899,000
For Sale
Listed 3 days agoNo offer date stated
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3+1Bedrooms
3Bathrooms
2Garage
1500-2000Sq ft

About this home

In short

  • Open House: Oct 17 & Oct 18 2pm-4pm.
  • Proudly Owned And Meticulously Cared For By The Original Owner, This Spacious Home Features A Double-Car Garage, 9-Ft Ceilings On The Main, Second And Third Floors...
  • The Finished Basement Offers A Spacious Recreation Area With Potential For An Extra Bedroom Or Home Office.
  • Additional Features Include A 200-Amp Electrical Panel And Fresh Air Ventilation System.
  • Theresa Of Lisieux Catholic High School (9.9/10) And Richmond Hill High School (9.7/10).

Open House: Oct 17 & Oct 18 2pm-4pm. Welcome To This Bright And Beautifully Maintained 3+1 Bedroom, 3-Bathroom End-Unit Townhouse In A Desirable Community! Proudly Owned And Meticulously Cared For By The Original Owner, This Spacious Home Features A Double-Car Garage, 9-Ft Ceilings On The Main, Second And Third Floors, Smooth Ceilings, Hardwood Flooring Throughout, Pot Lights And Fresh Paint. The End-Unit Design Offers Extra Windows And Abundant Natural Light, Complemented By A Third-Floor Skylight. The Well-Appointed Kitchen Features Granite Countertops, A Stylish Backsplash And Stainless Steel KitchenAid Appliances, Along With A Generous Breakfast Area Ideal For Family Dining. The Finished Basement Offers A Spacious Recreation Area With Potential For An Extra Bedroom Or Home Office. Additional Features Include A 200-Amp Electrical Panel And Fresh Air Ventilation System. Conveniently Located Near Yonge Street, Public Transit, Parks, Restaurants, Shopping Plazas And Top-Rated Schools, Including St. Theresa Of Lisieux Catholic High School (9.9/10) And Richmond Hill High School (9.7/10). An Excellent Opportunity To Enjoy Comfortable Family Living In A Prime Location!

Key facts

Property type
Townhouse, 3-Storey
MLS®
N14088024
Bedrooms
3+1 (4 total)
Bathrooms
3 (1 half)
Size
1500-2000 sq ft
Lot
26.35 × 60.1 ft
Cross streets
Elgin Mills/Yonge
Parking
2 garage (built-in)
Driveway
Private
Basement
Finished
Heating
Forced Air
A/C
Central Air
Exterior
Brick
Foundation
Concrete
Roof
Asphalt Shingle
Sewer
Sewer
Property tax
$5,365 / 2025
Days on market
3
Listing brokerage
RE/MAX REALTRON WENDY ZHENG REALTY

Rooms

Family RoomSecond9.45 × 6.83 m

hardwood floor · pot lights · combined w/dining

Bedroom 2Third2.77 × 4.60 m

hardwood floor · closet

RecreationBasement5.82 × 5.26 m
Bedroom 3Third2.92 × 3.20 m

hardwood floor · closet

Dining RoomSecond9.45 × 4.42 m

hardwood floor · open concept · combined w/family

Living RoomGround8.81 × 3.20 m

hardwood floor · open concept · w/o to garage

Bedroom 4Third
KitchenSecond5.16 × 6.88 m

ceramic floor · stainless steel appl · granite counters

Primary BedroomThird4.34 × 6.81 m

hardwood floor · 4 pc ensuite · walk-in closet(s)

Our TakeTeam Asgarian · Broker
No automatic estimate

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 read

Neighbourhood & location

Westbrook, Richmond Hill, ON

CommuteTime from this home to where you spend your day

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Affordability & Mortgage

Affordability
$4,097/mo
$174KIncome needed
5.2×Price ÷ income
$946Weekly cost
$14,455Land 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.

90%mortgage
Mortgage $4,097Property tax $447Total carry $4,544

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 20, 2026); conventional rates run a little higher.

years
years (your rate-locked period)
$3,977per month

Mortgage amount $719,200 · 4.49% over 25 years

$179,800Down payment (20.0%)
$719,200Loan before insurance
$0CMHC premium
$4,424Total monthly cost

Total monthly cost

Mortgage payment (monthly equivalent)
$3,977
Property tax
$447
Condo / maintenance fees
$0
Heating
$0
Estimated monthly cost
$4,424

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

One-time closing costs

Ontario land transfer tax
$14,455
Estimated closing costs
$14,455

Plus your down payment of $179,800. Legal fees, title insurance, and adjustments are extra and vary by deal.

Mortgage stress test

6.49%Qualifying rate
$4,813/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

$473,774Total interest paid
$1,192,974Total of all payments
Principal $719,200 Interest $473,774
YearPrincipalInterestBalance
1$16,049$31,669$703,151
2$16,778$30,941$686,372
3$17,540$30,179$668,832
4$18,336$29,383$650,496
5$19,169$28,550$631,327
6$20,039$27,680$611,288
7$20,949$26,770$590,339
8$21,900$25,819$568,438
9$22,895$24,824$545,544
10$23,934$23,785$521,609
11$25,021$22,698$496,589
12$26,157$21,562$470,432
13$27,345$20,374$443,087
14$28,586$19,133$414,501
15$29,884$17,835$384,617
16$31,241$16,478$353,376
17$32,659$15,060$320,717
18$34,142$13,577$286,575
19$35,692$12,027$250,882
20$37,313$10,406$213,569
21$39,007$8,712$174,562
22$40,778$6,941$133,784
23$42,630$5,089$91,154
24$44,565$3,154$46,589
25$46,589$1,130$0

At the end of your 5-year term

Total paid over the term
$238,595
Principal paid down
$87,873
Interest paid
$150,722
Balance remaining
$631,327

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$3,150/mo
$37,800Gross annual rent
3.0%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.

4.2%
Gross yield
− Property tax $5,365− Insurance $1,400− Vacancy & upkeep $4,158Net operating income $26,877

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

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