44 Ruby St
Kitchener, Ontario N2M 3E3
- Bedrooms
- 3
- Bathrooms
- 1
- Size
- 700–1,100sq ft
- Per sq ft
- $556at the range’s middle
- Lot
- 40 x 98 ft
- Tax a year
- $3,8382026 tax year
- Built
- 51-99
- Parking
- 41 detached
- Days on market
- Members
The brief
About 44 Ruby St
44 Ruby St is a 3-bedroom, 1-bathroom detached house in Kitchener, listed for sale at an asking price of $500,000 (MLS® X14085464).
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.
Insights
Condition Score
Good68/1006 condition-related facts documented
Source: Listing age, structured features and disclosed update language; not an inspection.
Cashflow Quality
Near break-even60/100−$2/mo against the cost of owning (20% down, 4.8%, 25 yrs)
Source: Median of 42 detached homes with 3 bedrooms for lease in Kitchener right now. Cost of owning counts the mortgage and property tax.
Condition uses listing-record signals, not an inspection.
The home
Key facts
- Tax
- $3,838 / 2026
- MLS® number
- X14085464
- Board
- TRREB MLS®
- Property Type
- Detached
- Building Age
- 51-99
- Days on market
- Size
- 700-1100 sqft
- Lot Size
- 40 x 98 ft
- Listed on
- Parking
- 1 Detached, 4 Parking
Property details
Property
- Property Type
- Detached
- Style
- 1 1/2 Storey
- Municipality
- Kitchener
Building
- Size
- 700-1100 sqft
- Building Age
- 51-99
- Construction
- Brick Veneer
Inside
- Bedrooms
- 3
- Bathrooms
- 1
- Bathroom Details
- 1 × 3pc Main
- Basement Type
- Partly Finished
- Kitchens
- 1
Parking
- Driveway
- Private
- Garage Type
- Detached
- Garage
- 1
- Additional Parking
- 3
- Total Parking
- 4
Utilities
- Water
- Municipal
- Cooling
- Central Air
- Heating Type
- Forced Air
Land
- Sewer
- Sewers
- Frontage
- 40 ft
- Depth
- 98 ft
- Lot Size
- 40 x 98 ft
Additional
- Foundation
- Concrete Block
- Roof
- Asphalt Shingle
- Fireplace
- No
- Pool
- None
- Den
- No
- Family room
- No
- Extras
- Built in stove/oven, fridge, washer, dryer, water softener
Rooms
| Room | Size | Features | Level |
|---|---|---|---|
| Kitchen | 2.51 × 4.58 m | — | Main |
| Living | 3.72 × 5.0 m | — | Main |
| Bathroom | 1.47 × 2.46 m | 3 Pc Bath | Main |
| Primary | 2.98 × 3.47 m | — | Main |
| 2nd Br | 3.68 × 3.81 m | — | Upper |
| 3rd Br | 3.14 × 3.81 m | — | Upper |
| Rec | 3.65 × 7.3 m | — | Bsmt |
| Utility | 3.99 × 7.34 m | — | Bsmt |
Listing history
Buy/sell history for 44 Ruby St, Kitchener, Ontario
Sale history on this site covers the last 2 years, the window permitted under the TRREB MLS® VOW agreement.
| Date Start | Date End | List Price | Price | Event | Listing ID |
|---|---|---|---|---|---|
| Date StartN/A | N/A | $500,000 | N/A | Sc | X14085464 |
Members see the full history. Prices are hidden from signed-out visitors.
The numbers
Mortgage Calculator
Plan with the current asking price
CMHC insurance: not required at 20% down. Payments use Canadian semi-annual compounding.
Mortgage Details
4.8% · 5-year term · 25-year amortization · 20% down
- Total down payment
- $100,000
- Total mortgage amount
- $400,000
- Total interest payment
- $284,600
- Total purchase cost
- $784,600
- Mortgage payment
- $2,282/mo
Cash Flow Analysis
If you rented this home out at 20% down
Break-even down payment
20%Monthly carrying cost
$2,602- Rent $2,600
- Shortfall $2
Rental income opens at $2,600, the median asking rent of 42 comparable homes for lease in Kitchener. Type over it with the rent you expect. This is a planning tool, not advice.
Land transfer tax on this home
- Ontario land transfer tax
- $6,475
- Total land transfer tax
- $6,475
- First-time buyer rebates (Ontario up to $4,000)
- −$4,000
- Total for first-time buyers
- $2,475
See how this is worked out
- 0.5% on the first $55,000
- $275
- 1.0% from $55,000 to $250,000
- $1,950
- 1.5% from $250,000 to $400,000
- $2,250
- 2.0% from $400,000 to $500,000
- $2,000
- Ontario total
- $6,475
An estimate at the asking price, for a home with one or two single-family residences. Your lawyer confirms the exact amount.
Estimate
Estimated value requires sign in
Market estimates use sold comparables and are available after you sign in and accept MLS® VOW terms.
The estimate is an automated value built from public and MLS® data. It is not an appraisal; ask Yossi Kaplan, MBA, Salesperson for a full comparative market analysis.
Comparable sales
Comparable sales require sign in
Closing prices and sold comps are available to registered visitors who accept MLS® VOW terms on this site.
The land
Lot
- Lot area
- 3,920 sq ft364 m²
- Street frontage
- 40 ft12.2 m
- Depth
- 98 ft29.9 m
The area is the frontage multiplied by the depth, so boundaries are approximate. Confirm with a survey before you buy.
Source: the MLS® listing record.
Land and environment
Public records about this location. Not part of the MLS® listing and not provided by the listing brokerage.
Water and conservation3
- No mapped wetland within 120 m120 m
- No water-supply well recorded within 250 m2 test or monitoring holes also recorded.250 m
- Groundwater recorded about 2.4 m below ground nearbyThe middle water level in the well records within 500 m (89 records). It changes with the season and from spot to spot.500 m
Province of Ontario open data
Planning and building activity2
- Outside the Greenbelt, Oak Ridges Moraine and Niagara Escarpment plan areasAt the address
- Nearest airport: 8.2 km8.2 km
Province of Ontario open data
Around the home2
- Nearest rail line: 400 m400 m
- A trail on the Ontario trail network within 1 km1 km
Province of Ontario open data
Environmental records4
- No licensed pit or quarry within 2 km2 km
- No recorded oil, gas or salt well within 250 m250 m
- No facility within 1 km reports pollutant releases to Environment CanadaThe nearest is AirBoss of America Corp. — RUBBER SOLUTIONS DIVISION, 1.7 km away. Only facilities above the inventory’s reporting thresholds are listed.1 km
- No federal contaminated site within 1 kmThe federal inventory covers federal land only; it says nothing about provincial or private sites.1 km
Province of Ontario open data · Government of Canada open data
Power and internet3
- Electricity is distributed here by Enova Power Corp.At the address
- Wired internet 50/10 Mbps or faster is listed at a household 40 m awayFixed wireless 50/10 Mbps or faster. LTE mobile coverage listed. ISED’s National Broadband Data at the nearest household point (40 m from the listing); 50/10 Mbps is its top category and includes faster plans. Confirm with a provider for this address.40 m
- Across the surrounding area: fibre to the home, cable, DSL internet listedFibre to the home: Bell, Rogers. Cable: Rogers. DSL: Bell. Fixed wireless: Bell, Netflash Internet Solutions, Rogers, Vianet, Waterloo Wireless, Xplore. Mobile: Bell, Freedom Mobile, Rogers, Telus. Satellite: Xplore. ISED’s list for the surrounding ~25 km² area; check with a provider for this address.Area-wide
Ontario Energy Board · Innovation, Science and Economic Development Canada
Each record is placed at the distance its own line states. None of it is an inspection of the property. Confirm anything that matters to you with the municipality, Grand River Conservation Authorityor the record’s publisher.
Contains information licensed under the Open Government Licence – Canada. Contains information licensed under the Open Government Licence – Ontario.
The market
Detached homes for sale in Kitchener right now
- For sale now
- 318
- Median asking price
- $800K
- New in 7 days
- 42
- Price cuts
- 19%
Middle half: $675K to $1.05M
143 in 28 days
62 listings
This home is asking 37% below the median, lower than three quarters of them.
See all homes in KitchenerAsking prices and counts of the MLS® listings on this site as of today. Asking figures only, never sold or leased prices.
Market area · filters apply to the charts below
The street
Transit nearby
| Station | Lines | Distance |
|---|---|---|
| Queen | GRT light rail: ION light rail | 1.2 km |
| Victoria Park | GRT light rail: ION light rail | 1.2 km |
| Kitchener Market | GRT light rail: ION light rail | 1.3 km |
| Frederick | GRT light rail: ION light rail | 1.4 km |
| Kitchener GO | GO Transit train: Kitchener | 1.8 km |
The nearest subway, light rail, train, bus rapid transit stations 5 km, as the crow flies. Source: GO Transit schedule data (GTFS) from Metrolinx under the Open Government Licence – Ontario – Metrolinx; GRT ION stops map layer from the Region of Waterloo under the Region of Waterloo Open Data Licence, downloaded October 18, 2026. Data used in this product or service is provided with the permission of Metrolinx. Metrolinx makes no representations or warranties of any kind, express or implied, with respect to the Data and assumes no responsibility for the accuracy or currency of the data used in this product or service. Contains information licensed under the Open Government Licence – Ontario – Metrolinx. Contains information provided by the Regional Municipality of Waterloo under licence.
Schools nearby
| Elementary | Type | Distance | EQAO average 2024–25 |
|---|---|---|---|
| J F Carmichael Public SchoolWaterloo Region DSB | Public · grades JK–6 · French Immersion | 550 m | 60%Grade 6 average |
| St Bernadette Catholic Elementary SchoolWaterloo CDSB | Catholic · grades JK–8 | 700 m | 72%Grade 6 average |
| Queen Elizabeth Public SchoolWaterloo Region DSB | Public · grades JK–6 | 1.3 km | 87%Grade 6 average |
| École élémentaire L'HarmonieConseil scolaire Viamonde | French-language public · grades JK–8 | 3.7 km | 84%Grade 6 average |
| Secondary | Type | Distance | Grade 9 math 2024–25 |
|---|---|---|---|
| Cameron Heights Collegiate InstituteWaterloo Region DSB | Public · grades 9–12 | 1.4 km | 74%Grade 9 math |
| Kitchener Waterloo Collegiate and Vocational SchoolWaterloo Region DSB | Public · grades 9–12 · French Immersion | 2 km | 73%Grade 9 math |
| St Mary's High SchoolWaterloo CDSB | Catholic · grades 9–12 | 3.2 km | 48%Grade 9 math |
| École secondaire David Saint-JacquesConseil scolaire Viamonde | French-language public · grades 9–12 | 6.8 km | 70%Grade 9 math |
EQAO: share of students at or above the provincial standard, 2024–25 (Ontario open data). These are the schools nearest this home, not the schools it is assigned to: boundaries change, and some schools take students by application. Confirm with the board before you buy. Contains information licensed under the Open Government Licence – Ontario.
The verdict
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Sold prices in Kitchener are shown to signed-in members.

