Vineyard Court
3.9 km Away2025
Sign In To See The Price18 Rubydale Gardens, Toronto, ON
Humber Summit, Toronto · MLS® W14113894
$929,000
For SaleListed 18 Days Ago
3+3BedroomsBeds
4BathroomsBaths
10Parking
1100-1500Sq ft
Listed By HomeLife/Miracle Realty Ltd
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Key Facts
- Property type
- Semi-Detached, Bungalow
- Lot
- 41.5 × 114 ft
- Basement
- Separate Entrance, Finished
- Parking
- 10 parking
- Property tax
- $3,576 / 2025
- Offer date
- None stated
- Cross streets
- Finch and Islington
- Days on market
- 18
All Facts And 15 Rooms, Floor By Floor
- Property type
- Semi-Detached, Bungalow
- MLS®
- W14113894
- Bedrooms
- 3+3 (6 total)
- Bathrooms
- 4 (1 half)
- Size
- 1100-1500 sq ft
- Lot
- 41.5 × 114 ft
- Cross streets
- Finch and Islington
- Parking
- 10 parking
- Driveway
- Front Yard Parking
- Basement
- Separate Entrance, Finished
- Kitchens
- 2 (1 + 1)
- Heating
- Forced Air
- A/C
- Central Air
- Exterior
- Brick
- Foundation
- Concrete
- Roof
- Asphalt Shingle
- Sewer
- Sewer
- Property tax
- $3,576 / 2025
- Days on market
- 18
- Offer date
- None stated
- Listing brokerage
- HomeLife/Miracle Realty Ltd
Bedroom 2Main3.61 × 3.04 m
window · closet
Living RoomMain4.72 × 3.51 m
window floor to ceiling · pot lights
BedroomBasement4.00 × 3.40 m
BathroomMain5.00 × 7.00 m
renovated · glass doors · marble counter
Furnace RoomBasement4.00 × 3.40 m
Window
Dining RoomMain3.50 × 3.51 m
renovated · pot lights
Bedroom 4Basement3.40 × 3.60 m
Window
KitchenMain3.20 × 3.10 m
renovated · porcelain floor · window
BathroomMain3.00 × 6.00 m
Renovated
KitchenBasement3.00 × 3.50 m
Window
KitchenBasement3.00 × 3.00 m
Window
BathroomBasement0.00 × 0.00 m
BedroomMain3.61 × 3.04 m
window · closet
Bedroom 3Main3.12 × 3.06 m
window · closet
Bedroom 5Basement3.60 × 3.50 m
Window
About This Home
From The Listing Description By HomeLife/Miracle Realty Ltd
In short
- Welcome to this fully renovated family home, with MORE OPTIONS THAN OTHER HOMES IN THE AREA and one of North York's most convenient areas.
- This bright 3+3-bed, 2+2-bath bungalow offers modern living on the main level, plus two separate basement units, with 3 extra bedrooms.
- Newly installed flooring, Newly installed Pot Lights, Fully Renovated Bathroom and Kitchen, Quartz Countertop with Porcelain Tiles, Newly Installed Zebra Blinds, New...
- Huge 41.5 Foot Lot, with 10-car parking driveway unbeatable in the area, perfect for large families and rental potential.
- Includes 6ft Ornamental Metal Gate Entrance into backyard.
Read The Full Description
Welcome to this fully renovated family home, with MORE OPTIONS THAN OTHER HOMES IN THE AREA and one of North York's most convenient areas! This bright 3+3-bed, 2+2-bath bungalow offers modern living on the main level, plus two separate basement units, with 3 extra bedrooms. Ideal for extended family or excellent rental income opportunities. Newly installed flooring, Newly installed Pot Lights, Fully Renovated Bathroom and Kitchen, Quartz Countertop with Porcelain Tiles, Newly Installed Zebra Blinds, New Doors and much more new finishings. Huge 41.5 Foot Lot, with 10-car parking driveway unbeatable in the area, perfect for large families and rental potential! Includes 6ft Ornamental Metal Gate Entrance into backyard. Walking distance to schools, parks, new Finch-West LRT, grocery stores, also colleges and university. Quick access to Hwy 401/400 and Pearson Airport. Brokerage Remarks
Our Take
Team Asgarian, RE/MAX Hallmark Realty Ltd.A discount is likely
$890Klikely sale price
Listed at $929,000. Going by how homes in Humber Summit and across Toronto have actually closed against their asking prices (about 97%, blended from 12 local closings in 90 days), the likely sale price is near $890K, if it sells. It has been listed 18 days, and homes on the market that long have closed lower against their asking prices, which this figure allows for. A realistic range is $841K to $934K.
Independent value check. What our model says the home itself is worth, and what sets it apart, is free for signed-in members. Sign In To See It
List price
$841KBelow recent closings$934KAbove recent closings
Total price vs nearby homes. Likely closing about $890K, from 12 recent closings in this pocket.
The market behind the math, in Humber Summit
12sold nearby · 90 days
$825Kmedian semi-detached sold · 90 days
98%of asking, local average
~22 dayshomes like this take to sell
18days on market so far
$3,245/moest. rent · 17 leases
4.2%gross yield on the ask
Balanced market
Buyer's marketSeller's market
About 2.3 months of inventory: 9 semi-detached homes for sale in the area against 12 closings in the last 90 days. Under two months favours sellers, over four favours buyers. This reads supply only, not prices.
This home
Below area avgAbove area avg
Price per square foot: this home lists at $715/sqft against an area asking average of $606/sqft.
- Separate-entrance basement apartment features. A finished 3 bed basement apartment with a separate entrance and a second kitchen. A self-contained space for extended family, guests or potential income. Basements do rent in Humber Summit: 11 of the 41 detached leases here lately were basement units, around $1,700 a month. That points to potential income. Second-suite retrofit status is not verified. A buyer intending to rent should confirm requirements with the City of Toronto.
How this estimate is builtthe short version
The likely sale price starts from the asking price and how homes here have actually closed against theirs, so it says where this one will probably land, not what it is worth. Condition, finishes and how the home shows remain an in-person call.
What the listing highlights1 point to weigh
Claims from the listing, worth confirming in person. I can book you a private showing.
- Renovated / rebuilt: recent work can mean fewer upfront costs, worth confirming the scope, quality, and that permits were pulled. Value driver
Schools & getting aroundcatchment and transit
The assigned public school is Humber Summit Middle School. EQAO is only one input, and families here also look at French Immersion, boundary, and private options, the full breakdown is below.
Read this with carewhy it’s an estimate, not an appraisal
There were not many closely comparable homes right in Humber Summit, so I widened the search to the surrounding area.
Based on 12 closings nearby in the last 90 days.
Sold Price Trend
Median sold price for semi-detached homes in Toronto: $1.10M in October 2026, up 6% from a year ago, on 2,430 closings in 12 months.
Line: median sold price, each month averaged with its neighbours and weighted by closings. Bars: closings that month. Toronto as a whole: the neighbourhood alone has too few closings for a line of its own.
Month by month
| Month | Median sold | Closings |
|---|---|---|
| November 2025 | $1.03M | 207 |
| December 2025 | $967K | 117 |
| January 2026 | $997K | 100 |
| February 2026 | $1.09M | 151 |
| March 2026 | $1.18M | 180 |
| April 2026 | $1.18M | 242 |
| May 2026 | $1.18M | 282 |
| June 2026 | $1.21M | 262 |
| July 2026 | $999K | 237 |
| August 2026 | $970K | 166 |
| September 2026 | $1.12M | 213 |
| October 2026 | $1.10M | 273 |
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Our Transactions Near This Listing
Homes Team Asgarian has handled within 5 km of Rubydale Gardens. Signed-in members see each price, verified against board records.
Ashcroft Court
4.9 km Away2024
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Cabana Drive
1000 m Away2021
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Teahouse Road
3.9 km Away2017
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Blue Willow Drive
4.4 km Away2019
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Interchange Way
4.9 km Away2025
Sign In To See The PriceOther Homes For Sale In Humber Summit
For sale in Humber Summit now · asking prices
How This Price Compares
$889kavg asking
Every home like this one for sale in Humber Summit right now. These are asking prices, not sales.
75 Plunkett Road $684/sqft$889k15 Madonna Gardens $683/sqft$888k10 Bruno Court $768/sqft$999k11 Anthia Drive $480/sqft$840k55 Husband Drive $638/sqft$829k
Per square foot, these ask about $651/sqft; this home lists at $715/sqft.
The 5 closest in price of 12 for sale in Humber Summit.
See all comparable homesNeighbourhood & Location
Humber Summit, Toronto, ON
Commute
Time from this home to where you spend your dayEnter a workplace or destination and we’ll show the door-to-door time by car, transit and bike.
Get The Full Neighbourhood Report (Schools, Parks, Transit & Safety) →
Schools & Catchment
The public and Catholic schools this address is zoned for, with EQAO results (the share of students meeting Ontario's provincial standard).
School attendance boundaries and EQAO results are Ontario government data and can change. Confirm the current catchment with the school board before relying on it.
53%
Also nearby: 9 more schools within 2.5 km
Venerable John Merlini Catholic School · Catholic elementary1.2 km · 82% at standard
North Kipling Junior Middle School · Public elementary1.6 km · 49% at standard
Beaumonde Heights Junior Middle School · Public elementary1.6 km · 70% at standard
Daystrom Public School · Public elementary1.7 km · 54% at standard
St Andrew Catholic School · Catholic elementary1.8 km · 56% at standard
North Albion Collegiate Institute · Public secondary1.8 km · 50% at standard
St John Vianney Catholic School · Catholic elementary2.1 km · 68% at standard
Emery EdVance Secondary School · Public secondary2.2 km
Highfield Junior School · Public elementary2.2 km · 58% at standard
Not the assigned catchment: schools a family here could reach, with EQAO results where published.
Affordability & Mortgage
Estimated Mortgage
$4,234/mo
$174KIncome needed
5.3×Price ÷ income
$977Weekly cost
$30,110Land transfer tax, one-time (Ontario + Toronto)
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.
Mortgage is 93% of the monthly costMortgage $4,234Property tax $298Total carry $4,532
Calculate And Customize Your Mortgage
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%
$
%
4.59%
%
Live rate from Ratehub.caConventional (20%+ down). Best insured 5-year fixed 4.44% via Ratehub.ca (as of November 11, 2026); conventional rates run a little higher.
years
years (your rate-locked period)
$4,151per month
Mortgage amount $743,200 · 4.59% over 25 years
$185,800Down payment (20.0%)
$743,200Loan before insurance
$0CMHC premium
$4,449Total monthly cost
Total monthly cost
- Mortgage payment (monthly equivalent)
- $4,151
- Property tax
- $298
- Condo / maintenance fees
- $0
- Heating
- $0
- Estimated monthly cost
- $4,449
Add your own property tax, condo fees, and heating on the left for a sharper total.
One-time closing costs
- Ontario land transfer tax
- $15,055
- Toronto municipal land transfer tax
- $15,055
- Estimated closing costs
- $30,110
Plus your down payment of $185,800. Legal fees, title insurance, and adjustments are extra and vary by deal.
Mortgage stress test
6.59%Qualifying rate
$5,019/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
$502,003Total interest paid
$1,245,203Total of all payments
Principal $743,200 Interest $502,003
YearPrincipalInterestBalance
1$16,355$33,453$726,845
2$17,114$32,694$709,731
3$17,909$31,899$691,822
4$18,740$31,068$673,082
5$19,610$30,198$653,471
6$20,521$29,287$632,950
7$21,474$28,335$611,477
8$22,470$27,338$589,006
9$23,514$26,294$565,493
10$24,605$25,203$540,887
11$25,748$24,060$515,140
12$26,943$22,865$488,197
13$28,194$21,614$460,003
14$29,503$20,305$430,500
15$30,873$18,936$399,627
16$32,306$17,502$367,321
17$33,806$16,002$333,515
18$35,375$14,433$298,140
19$37,018$12,790$261,123
20$38,736$11,072$222,386
21$40,535$9,273$181,852
22$42,417$7,392$139,435
23$44,386$5,422$95,049
24$46,446$3,362$48,603
25$48,603$1,205$0
At the end of your 5-year term
- Total paid over the term
- $249,041
- Principal paid down
- $89,729
- Interest paid
- $159,312
- Balance remaining
- $653,471
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.
Questions About 18 Rubydale Gardens
What is the asking price for 18 Rubydale Gardens?
It is listed at $929,000.
How many bedrooms and bathrooms does 18 Rubydale Gardens have?
3+3 bedrooms, and 4 bathrooms (1 of them a half bath).
How big is 18 Rubydale Gardens?
The listing gives 1100-1500 sq ft of living space, on a 41.5 × 114 ft lot.
Does 18 Rubydale Gardens have parking?
10 parking spaces, no garage listed.
What are the property taxes on 18 Rubydale Gardens?
$3,576 a year, for 2025.
Is there an offer date for 18 Rubydale Gardens?
The listing does not state an offer date.
Which schools is 18 Rubydale Gardens zoned for?
By the school boards' attendance boundaries: Gracedale Public School, Humber Summit Middle School, Emery Collegiate Institute and St. Roch. Boundaries change, so confirm with the board before relying on it.
When was 18 Rubydale Gardens listed?
It came on the market on October 24, 2026.
Who is the listing brokerage for 18 Rubydale Gardens?
HomeLife/Miracle Realty Ltd. Showing requests on this page go to Team Asgarian, RE/MAX Hallmark Realty Ltd.
How can I request a showing of 18 Rubydale Gardens?
Send a showing request with your phone number, or call (416) 837-8000. Team Asgarian will call you to confirm a time.
Can Team Asgarian represent me as the buyer?
Yes, if you are not already working with another agent. We talk it through on the call before anything is signed.
All information deemed reliable but not guaranteed. For personal, non-commercial use only. Listing courtesy of HomeLife/Miracle Realty Ltd. MLS®/PropTx.