54 Valley Road, Whitchurch-Stouffville, ON
Rural Whitchurch-Stouffville, Whitchurch-Stouffville · MLS® N14089176
About this home
In short
- Built in 2020, this 3 bed, 3 bath home offers over 2,200 sq ft of total living space in the Musselman's Lake community.
- The main floor has 9 ft ceilings and a custom kitchen with quartz counters, newer stainless steel appliances and a breakfast bar.
- There's a garden shed with a garage door for your toys and tools, and parking for 6.
- Walk to Coultice Park, grab dinner at Fishbone by the Lake, or stop for ice cream on a summer night.
- OPEN HOUSE SAT OCT 24th & SUN OCT 25th 1-4PM
Built in 2020, this 3 bed, 3 bath home offers over 2,200 sq ft of total living space in the Musselman's Lake community. Small-town lake life, with Stouffville just minutes away. The main floor has 9 ft ceilings and a custom kitchen with quartz counters, newer stainless steel appliances and a breakfast bar. The dining room walks out to the deck, so summer dinners move outside easily. The deck is also equipped with a convenient natural gas BBQ hookup.Two bedrooms and a bathroom on the main level offer flexibility for kids, guests, or a home office. Upstairs, the primary suite is your own retreat, with a sitting area, and an ensuite with a soaker tub and separate glass shower. With two custom walk in closets, (one closet has a laundry rough-in, so second-floor laundry is an easy add). The full-height basement offers a spacious family room, three-piece bathroom, laundry area, and a rough-in for a future kitchen, creating excellent potential for an in-law suite. As an added bonus, both the hot water tank and water softener are owned, not rented. Outside is a large yard with a big deck and covered gazebo, made for entertaining. There's a garden shed with a garage door for your toys and tools, and parking for 6. Life here is all about the lake. Walk to Coultice Park, grab dinner at Fishbone by the Lake, or stop for ice cream on a summer night. It's the kind of street where you wave to neighbours on your evening dog walk. Need some forest bathing? The York Regional Forest is just up Ninth Line, with trails for hiking and mountain biking. Main Street Stouffville has indie cafés, boutique shops, and festivals all year round, with big box stores and all the everyday services you could need, just around the corner. Stouffville has two GO stations, Stouffville and Old Elm, are just minutes away. A newer home, room to grow, and a real community feel. Come see it for yourself! OPEN HOUSE SAT OCT 24th & SUN OCT 25th 1-4PM
Key facts
- Property type
- Detached, 2-Storey
- MLS®
- N14089176
- Bedrooms
- 3
- Bathrooms
- 3
- Size
- 1500-2000 sq ft
- Lot
- 50 × 90 ft
- Cross streets
- Ninth Line/ Valley Rd
- Parking
- 6 parking
- Driveway
- Private
- Basement
- Finished
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Vinyl Siding, Stone
- Foundation
- Concrete Block
- Roof
- Asphalt Shingle
- Sewer
- Septic
- Property tax
- $3,695 / 2026
- Days on market
- 3
- Listing brokerage
- RE/MAX PRIME PROPERTIES
Rooms
pot lights · open concept
quartz counter · breakfast bar · open concept
Carpet Free
carpet free · combined w/sitting · pot lights
pot lights · w/o to deck
Carpet Free
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
Nothing closely matching this home is listed nearby right now, so these are the nearest detached listings on the market.
Per square foot, these ask about $816/sqft; this home lists at $565/sqft. Size is part of the price story, not just the sticker.
The 4 closest active listings nearby.
See all comparable homesNeighbourhood & location
Rural Whitchurch-Stouffville, Whitchurch-Stouffville, ON
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How asking prices compare in the closest areas to this home. Longer bars mean a pricier market.
Typical asking price of active listings of the same type, per area (outliers removed). Whitchurch-Stouffville.
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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.
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Adjust the down payment, rate, and amortization, and add property tax, condo fees, and heating to see your true monthly cost.
Your numbers
Conventional (20%+ down). Best insured 5-year fixed 4.34% via Ratehub.ca (as of October 20, 2026); conventional rates run a little higher.
Mortgage amount $791,200 · 4.49% over 25 years
Total monthly cost
- Mortgage payment (monthly equivalent)
- $4,375
- Property tax
- $308
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,683
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $16,255
- Estimated closing costs
- $16,255
Plus your down payment of $197,800. 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
- $262,481
- Principal paid down
- $96,670
- Interest paid
- $165,811
- Balance remaining
- $694,530
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 PRIME PROPERTIES. MLS®/PropTx.