$1,299,900 - 20 James Ratcliff Avenue, Whitchurch-Stouffville
Detached for Sale in Whitchurch-Stouffville
66 days on market- MLS Number
- N12789630
- Property Type
- Detached
- Status
- active
- Days on Site
- 66
- Bedrooms
- 4
- Bathrooms
- 4
- Square Feet
- 2,500 - 2,999 sqft
- Neighbourhood
- Whitchurch-Stouffville
- Listing Brokerage
- RE/MAX ALL-STARS REALTY INC.
Welcome to this beautifully maintained 4 bedroom family home ideally located in one of Stouffville's most desirable, walkable neighbourhoods. Backing onto peaceful green space and just steps to Main Street, the GO Station, library, parks, and both public & Catholic elementary schools, this home offers the perfect blend of lifestyle, space, and future potential.The main floor features a functional layout with a bright living and dining area, a spacious family room, and an updated kitchen with quartz countertops and a subway tile backsplash. Walk out through the 8 foot patio door to a private composite deck with sleek metal railings overlooking the greenery - an ideal spot for morning coffee or evening entertaining.Upstairs, the generous primary suite offers a walk-in closet plus a double-door closet, and a private ensuite with double sinks. Two additional bedrooms also feature walk-in closets, while the fourth bedroom has two single-door closets, providing exceptional storage for growing families. Walk out from the front bedroom to a covered balcony and enjoy the evening sunset. The washroom upstairs also includes double sinks for added convenience.The finished basement (with sound proofing insulation) offers incredible flexibility with its own powder room and the potential to create an in-law suite, home office, and extended family space.With a double garage, a family-friendly layout, and a location that truly supports walkable community living, this is a rare opportunity to secure space, privacy, and long-term value in the heart of Stouffville.
Estimate your monthly payments for this property
Estimated Payment
$5,749.90/mo
5-yr fixed avg.
Rates shown are estimates based on typical Ontario 5-year fixed rates. Canadian mortgages use semi-annual compounding as required by law. CMHC insurance applies to purchases under $1.5M with less than 20% down. Estimated property tax uses an approximate 0.85% rate. Contact us for current rate options and pre-approval.
Discover Whitchurch-Stouffville
Whitchurch-Stouffville is a vibrant community in the Greater Toronto Area, offering excellent amenities, schools, and transportation options. This area is popular with families and professionals seeking a balanced lifestyle with access to urban conveniences and natural spaces.
Why Live in Whitchurch-Stouffville
- •Convenient location in Whitchurch-Stouffville
- •Access to local shops and dining
- •Good public transit connections
- •Community parks and green spaces
- •Well-maintained neighbourhoods
Nearby Schools
Transit & Commuting
- •MiWay bus routes throughout the area
- •GO Transit stations within driving distance
- •Easy highway access to 401/403/QEW
- •Walking distance to local amenities
Parks & Amenities
- •Local parks and recreational facilities
- •Community centres
- •Shopping plazas nearby
- •Restaurants and cafes
Lifestyle & Community
Whitchurch-Stouffville offers a wonderful quality of life with a mix of residential charm and urban convenience. Residents enjoy easy access to schools, parks, and shopping, making it an ideal location for families and professionals alike.
20 James Ratcliff Avenue, Whitchurch-Stouffville
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Monthly Cash Flow Breakdown
Note: These are estimates only. Actual figures may vary based on market conditions, property condition, and other factors. Consult with a financial advisor for personalized advice.
Joe's Thoughts
Honest perspective from 30+ years of GTA real estate experience
Competitive Pricing
At $520/sqft, this is priced below the area average. This could represent genuine value, but let's investigate why. In my experience, underpriced homes often have deferred maintenance, unfavourable layouts, or motivated sellers. I'll help you determine which it is.
Negotiation Opportunity
At 66 days on site, this property has exceeded the typical selling timeline for Whitchurch-Stouffville. This creates leverage for buyers. The seller may be motivated by carrying costs, life circumstances, or previous deals falling through. I'd recommend a strategic offer below asking with terms that favour you.
Detached Home Advantages
Detached homes in Whitchurch-Stouffville are increasingly scarce and valuable. You'll have no shared walls, full control over renovations, and typically stronger appreciation. Consider the lot size and potential for future additions or basement apartment income. Detached homes also offer the most flexibility for growing families.
Family-Friendly Layout
4 bedrooms hits the sweet spot for most families. You'll have room for 2-3 children plus a home office or guest room. This is the most sought-after configuration for families relocating to Whitchurch-Stouffville. Good resale value as demand remains consistent.
Bathroom Count Matters
With 4 bathrooms, morning routines are much smoother. Multiple bathrooms significantly improve daily livability and are a major selling point for resale. Buyers consistently pay more for adequate bathroom counts - this is a strong feature.
Investment Perspective
Looking at this as an investment: Whitchurch-Stouffville properties have averaged 5-7% annual appreciation over the past decade. Your estimated monthly carrying costs would be around $5,416 (mortgage, taxes, insurance). Consider whether you're comfortable with this as both a home and a financial commitment.