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Property Type: Detached HouseOwnership: Freehold
44 RUBY Street
Kitchener, ON N2M3E3
MLS® 40869640
$500,000
3 bed1 bath4 parking1,373 sqftBuilt 1950
Property Details
Property & Lot
- Sub-type
- House
- Style
- Other
- Stories
- 1.5
- Frontage
- 40 feet
R2A
Ownership & Fees
- Property type
- Detached House
- Ownership
- Freehold
- Annual property tax
- $3,838.38
Interior
- Basement
- Partially finished, Full
- Heating
- Forced air, Natural gas
- Cooling / A/C
- Central air conditioning
Room Dimensions
| Room | Level | Dimensions |
|---|---|---|
| Utility room | Basement | 13'1'' x 24'1'' |
| Recreation room | Basement | 12'0'' x 24'0'' |
| Bedroom | Second level | 10'4'' x 12'6'' |
| Bedroom | Second level | 12'1'' x 12'6'' |
| 3pc Bathroom | Main level | 4'10'' x 8'1'' |
| Bedroom | Main level | 9'9'' x 11'5'' |
| Living room | Main level | 12'2'' x 16'5'' |
| Kitchen | Main level | 8'3'' x 15'0'' |
Description
Welcome to 44 Ruby Street, a classic brick 1.5 storey home on a quiet street in one of Kitchener's established neighbourhoods. There are 2 bedrooms up and the owner has always used the main floor 3rd bedroom that can double as a dining room/den/office. The owners have clearly cared for this home. It has character, hardwood floors and a detached garage, and there's still plenty of room to make it your own. The covered front porch, with its stone knee wall and crisp white railings, welcomes you in and gives you a spot to enjoy the street. Inside, the bright living room has rich hardwood floors, a large front picture window, and a charming arched window detail. The 3rd bedroom can double as a dining room that is just off the living room behind glass panelled doors and carries the hardwood through. It works well for family dinners, as a flexible home office or the continued use as a bedroom. The eat-in kitchen has generous cabinetry and counter space, a double sink under a large window, and room for a table. It's ready for you to update with your own finishes. Upstairs, two bedrooms, hardwood floors and closets feel cozy and full of character. The three piece bathroom has a ceramic tile flooring and a vanity with storage. The lower level adds a panelled recreation room with space for hobbies, a home gym or storage. Outside, the interlocking stone driveway leads to the detached single car garage. The backyard is framed by mature trees. The home is close to St. Mary's General Hospital, with easy access to downtown Kitchener, shopping, parks, schools, transit and the Highland Road and Queen Street corridors. It would suit a first time buyer, a downsizer, or anyone looking for a solid home to update. (id:63161)
Listing Information
- MLS®
- 40869640
- Data last synced
- October 29, 2026
RE/MAX TWIN CITY REALTY INC.
Data source: CREA DDF.
CREA DDF® ListingListing Brokerage: RE/MAX TWIN CITY REALTY INC.
MLS® Number: 40869640
Listing data is sourced from CREA DDF®, the Canadian Real Estate Association (CREA) Data Distribution Facility. Listing information is deemed reliable but is not guaranteed accurate by CREA or the listing brokerage. Data provided courtesy of Cornerstone Association of REALTORS®.
Values & Trends
This listing
$364/sqft
Building average
—
No other active listings in this building
325 - Forest Hill average
$431/sqft
38 active listing(s)
Parking: 4 stall(s) includedStorage locker: Not indicated
Per-stall/locker dollar values aren't itemized in our data source — shown as included/not indicated only, not a fabricated estimate. $/sqft averages are computed live from other active listings, not a third-party model.
Location Insights
Weather
Nearest station: Kitchener-Waterloo
4°C
Mist
Humidity 97%
Wind N 4 km/h
Tonight
6°
Thursday
19°
Thursday night
6°
Friday
12°
Friday night
-2°
Saturday
14°
Source: Environment and Climate Change Canada.
Population
256,885
(2021 Census)
+10.1% since 2016
Similar Listings Nearby
Similar active properties nearby based on property type, price, and size.
Mortgage & Ownership Cost Calculator
Minimum required: 5.0% ($25,000) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.
Financial Ledger
Net mortgage (loan + CMHC insurance)$400,000.00
Periodic payment — Principal & Interest (monthly)$2,580.66
Additional monthly expenses (condo fees, tax, utilities, etc.)$388.87
Total monthly cost$2,969.53
Interest paid over 5-yr term$114,641.15
Balance at end of term$359,801.29
Rates based on Bank of Canada benchmark data.
Financial Summary
Minimum down payment$25,000
Stress test qualifying rate8.19%
Payment you must qualify for$3,683.03
Cash Needed at Closing
Minimum down payment$25,000
Estimated Land Transfer Tax (LTT)$6,475
Legal / closing costs (typical estimate)$1,500
Total cash needed$32,975
Minimum down payment: 5% on the first $500,000, 10% on the portion up to $1.5M, 20% at/above $1.5M. Stress test: OSFI's minimum qualifying rate, the greater of contract rate + 2% or 5.25% — this is what lenders require you to qualify at, not what you'll actually pay. Closing costs are a typical-range estimate, not a quote — actual legal fees vary. Land Transfer Tax is the Ontario provincial schedule, before any first-time buyer refund; only the City of Toronto charges a municipal land transfer tax on top, so none applies in the areas this site covers (Ontario Ministry of Finance, ontario.ca/document/land-transfer-tax, as of October 28, 2026). Verify all figures with a mortgage broker and lawyer before relying on them.
