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The Devil’s in the Details: Home Insurance Coverage
When you suffer damage to (or the loss of) your home or its contents, you expect your insurance company to come to the rescue, and most do. 
 

Still, it’s a good idea to review your policy with your insurance advisor and find out what’s covered and what isn’t. For example, if you have a flood in your laundry room, you don’t want to discover then that the damage is not covered. 

Some events that often require additional coverage, or may not be covered at all are:

  • Overland water (interior home damage from water outside the home)
  • Sewer backup
  • Poor maintenance (e.g., you could be denied if you didn’t maintain your foundation or repair a leaky pipe)
  • Valuables beyond a specific amount

Also, check liability limits. Ask your advisor to recommend an appropriate level. Finally, ensure you know exactly how much your home is insured for. Are you covered for the full replacement cost? Are you comfortable with that coverage, or would you rather only insure for the actual cash value?

Knowing you have the right insurance policy will give you peace of mind and is an important part of enjoying your home.

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New property listed in Aberdeen

I have listed a new property at 101 Main ST in Aberdeen.
Attention revenue seekers, Investors & Developers; Affordable opportunity in the growing community of Aberdeen located only 18 minutes from Saskatoon. Situated at the edge of town on two land parcels, the options are plentiful with this 1012sqft, 2 bedroom, 2 den Bungalow with newer shingles (2023) and an open spacious full height ceiling basement that’s open for future development. This property is on a solid 1974 concrete foundation. It requires TLC but can be lived in as it is. Upgrade and renovate to create the ideal home and establish equity growth. Invest in as a rental property and create passive income or demolish and re-build the property you desire utilizing the abundant lot space. What is your desire? Don’t miss out on this affordable opportunity.
$114,900MLS. Aberdeen
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Eco-Friendly Floors

Choosing new or replacement eco-friendly flooring is one of the emerging trends among house and condo owners. Eco-friendly flooring is made from, or with, more sustainable resources, such as materials that don’t deplete or permanently damage the environment (such as toxic laminates), or reusable or recyclable materials. Here are some examples:

  • Renewable and Sustainable - Bamboo, cork, hardwood, natural stone, linoleum, and wool carpet are just a few of the options out there. Before you buy natural flooring products, ask if the harvesting methods are verified through an accredited authority.

  • Repurposed and Reclaimed - Flooring made from old building structures (e.g., posts, beams, walls, and planks) is a viable alternative to grown and harvested resources. Likewise, recycled glass, plastic, and rubber provide ample raw materials for creative flooring effects. Using them also reduces landfill waste. These products can be found through decorative flooring dealers.

When purchasing any flooring, be it natural or synthetic, it is important to know how the product is manufactured, and that it can easily be recycled when it is beyond its usefulness, as opposed to ending up in a landfill.


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I know we just met, but Trust me.

Congratulations to my newest VIP Tyler on your ABR® purchase of a TOP FLOOR CONDO OVERLOOKING A GOLF COURSE!!! ⛳️

I was so excited to finally get to work with you when you reached out for my help based on both your sisters’ highly recommending my service. Upon first consultation, you were already way ahead in the preparation stages and just needed my help as an ABR® Realtor® to make buying a condo, a reality.  Though our market was low on supply and property was selling at the speed of light! I quickly was able to provide you with potential condo options and after discussions we viewed your top choice asap. It was a great option, however in my heart I felt that the unit that just came on the market that day, could be an even better match, so I checked in with the listing agent to book a viewing, only to find out that we had less than 25 minutes to get to the condo and view it before another viewing was occurring.  So even in my high heels, we booted it to the condo by foot (as it was faster to walk than drive) and sure enough, it was “THE ONE”. I knew it!!! You were starting to really see the speed of the market but this was just the beginning for you; 3 hours later, this condo was locked down and conditionally sold to you. Competition flushed out and under asking price secured after being mere hours on market. You did amazing! FOR THE WIN! WHEW!!! ✊ #victorious #ABR® #RENE

Thank you for trusting in my advice after only first meeting me and going with my presented negotiation strategy designed specifically to secure this condo for you at the best value possible. Your willingness to trust in my abilities, take the potential risks and play the market odds with me is beyond appreciated; And I didn’t let you down. It was an absolute pleasure working with your sisters throughout their real estate needs and you were no exception.  I love being your family Realtor!!! Please know I will always be here to help you, your friends and family whenever needed for years to come. Wishing you great times and golf pro status enjoyment as you settle into your new home.

BIG Thanks to my VIPs’ Brett & Nicole, for your referring kind words of recommendation of my service, loyalty and continual support.  Heartfelt gratitude & appreciation.  Thanks for liking how I sell real estate. ❤️

Shared Shout out thanks to Erica Bratzer, Affinity Credit Union for providing speedy quality work to secure final financing days ahead of deadline – Cheers to working with you again for all our mutual Affinity clients and to Samual Bergerman, Bergerman Smith LLP for once again providing excellent legal expertise.

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PRICE GROWTH CONTINUES AS NUMEROUS COMMUNITIES REPORT RECORD BENCHMARK PRICES IN JUNE

Saskatchewan reported 1,675 sales in June, a one percent year-over-year decrease but nearly 10 percent above long-term, 10-year averages. Sales levels improved in properties priced above $400,000, which nearly offset the pullback in homes priced below $300,000, as inventory challenges continue to prevent even stronger monthly sales.

New listings dipped by 14 per cent year-over-year and 21 per cent compared to 10-year trends, preventing any significant inventory relief, as inventory levels decreased by 19 per cent year-over-year and over 40 per cent versus long-term trends. Despite these persistent inventory challenges, Saskatchewan reported above-average sales for the twelfth consecutive month in June.

“While the recent Bank of Canada rate decision was welcome news, higher lending rates and rising home prices continue to spur demand for more affordable housing options,” said Association CEO, Chris Guérette. “This demand, when paired with falling supply in lower price ranges, limits options for prospective buyers and prevents even stronger monthly sales figures. There simply isn’t enough inventory to service this segment of our market right now.”

Saskatchewan reported a residential benchmark price of $343,300 in June, up from $340,400 in May and nearly five per cent higher than June 2023. Meanwhile, the communities of Humboldt ($272,500), Martensville ($398,800), Melfort ($250,100), Prince Albert ($251,700), Saskatoon ($403,500), and Warman ($463,500) reported record benchmark prices in June, with Saskatoon eclipsing the $400,000 mark for the first time.

“Housing demand remains strong in Saskatchewan, despite ongoing supply challenges placing significant stress on the more affordable segment of our market, especially in our two largest centres,” said Guérette. “While real estate is local and market conditions vary by region, it can be incredibly challenging for prospective buyers right now.”

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Regional Highlights
Regina-Moose Mountain and Prince Albert were the only regions to report year-over-year sales gains, while year-to-date sales remained above average in all regions outside of the Northern Region.

Saskatchewan’s two largest regions continue to report the tightest market conditions in the province, with 3.09 months of supply in the Regina-Moose Mountain region and 2.09 months in the Saskatoon-Biggar region.

Price Trends
Home prices trended up across many regions of the province in June, with the largest monthly gains occurring in the Saskatoon-Biggar (seven per cent year-over-year) and Swift Current-Moose Jaw (five per cent) regions.

With prices over 12 percent higher than last year, the City of Melfort reported the highest year-over-year price gain for the second consecutive month. Meanwhile, Saskatoon, Regina, Estevan, Weyburn, Moose Jaw, Swift Current, Humboldt, Meadow Lake, North Battleford, and Prince Albert reported year-over-year price gains in June.

City of Regina
The City of Regina reported 380 sales in June, up four per cent year-over-year and 14 per cent above long-term, 10-year trends.

While conditions remain tight in the Queen City, month-over-month inventory levels improved slightly, resulting in 2.06 months of supply, up from 1.69 in May. Despite some relief, inventory levels were down 30 per cent year-over-year and remain nearly 50 per cent below long-term trends.

The City of Regina reported a benchmark price of $318,100 in June, down from $320,000 in May, and 0.5 percent above June 2023.

City of Saskatoon
The City of Saskatoon reported 540 sales in June, which were on par with June 2023 and 15 percent above long-term, 10-year trends.

Limited supply options are likely preventing even stronger sales in Saskatoon, as inventory levels reached their lowest point since June 2007. The Bridge City reported a 26 percent year-over-year decrease in inventory, which remains over 53 percent below the 10-year average.

The City of Saskatoon reported a record benchmark price of $403,500 in June, up from 397,200 in May and over seven per cent above June 2023.


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As an ABR® Realtor, I work smarter not just harder!

Congratulations to my newest VIP Alicia on your ABR® new townhouse purchase!!!

It was a wonderful surprise when you reached out for my help, after your friend/co-worker and my long time friend/family/VIP Natalie highly referred my services.  Hoping to make a change, our initial consultation established your property options range was plentiful, so deciding what you wanted was the main focus as you quickly glided through the pre-preparation stage.  After selecting property options, you experienced road blocks & bumps as the market showed its difficult colors; Despite opportunity, timing was just not right for you to purchase ---> Fast Forward 5 months with the market in full explosion difficulty chaos, you were ready to take it on again and effortlessly picked up where you left off.   I quickly realized that in order for you to be successful in this challenging market, working smarter was key and manage to recognize a value property you would love among the crazy bidding inflated priced chaos; with perfect timing I was able to secure this townhouse for you mere days after you re-entered the market. In and out fast - TAKE THAT YOU BUYER BRUTAL MARKET!  #victorious #ABR® #RENE

Thank you so much for choosing me as your ABR® Realtor®.  Taking my advice and trusting my guidance throughout this process to ensure your success.  Now as summer approaches so does your 2-storey townhome life adventure as you transform this condo into your personal sanctuary; May it bring you an abundance of awaited well-deserved joy and provide the platform for many memories.  As your personal Realtor®, and now friend, know I will always be here to help you, your friends and family whenever needed for years to come.❤️✌️ 

BIG Thanks to my friend and VIP Natalie, for your referring kind words of recommendation of my service and continual support, it mean so much.  Thanks for liking how I sell real estate.❤️

Shared Shout out thanks to Chelsey Limay, Prolink Mortgages for ensuring on point pre-financing with a help plan for future action in round 1 - I wish you the best of success in your new position; To Lindsay Vickers, Mint Mortages for taking over and providing speedy quality work to secure final financing – I look forward to working with you again to provide quality client service; And to Samual Bergerman, Bergerman Smith LLP for providing top notch speedy legal service. 

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 How to Quickly Improve Indoor Air Quality

Unfortunately, air quality alerts are becoming a more common occurrence these days. Aside from that, there are many reasons why the air quality in your home may not be at its best. Maybe it’s a faulty furnace or an aged carpet to blame. Until you get those issues addressed, how can you make your indoor air healthier – today?

Here are some ideas: 

  • Use an air purifier – Choose a device that uses a HEPA filter, the gold standard for indoor air purifiers. Also, look for one that has a CADR rating equal to at least two-thirds of the room’s area. You may also want to consider if the purifier’s energy costs and ongoing maintenance costs are within your budget. 
  • Check the furnace filter - This is one of the most overlooked maintenance items in the home. Any furnace repair person can tell you stories about filters they’ve seen caked in dust. Make sure those aren’t yours. Air passes through those filters before circulating throughout your home. Replacing a filter takes less than five minutes. 
  • Clean the drains - Drains are a surprisingly common source of odour in the home. Most people only clean them when they’re clogged, but they should be flushed thoroughly with a good-quality cleaner at least once a season. 
  • Turn on the bathroom fan - Not only do bathroom fans remove odour, but they also reduce moisture build-up. About 50% of air pollutants originate from some type of moisture; mould is the worst of these pollutants. Professionals recommend you keep your bathroom fan on for at least 30 minutes after a shower. 
  • Clean your doormat - Even if your doormat doesn’t smell, it can be a source of air pollutants. When people wipe their shoes, they transfer outside pollutants from their shoes to your mat. 

Hope these tips have you breathing a little bit easier.

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Decades of Top Notch Service – No matter what!

Congratulations to my repeat VIP Dustin & Holly on your #SRSSOLD!!!!

When you have been a Realtor® for as long as I have, you get the honor and privilege of becoming a generational Family Realtor.  I’ve had the pleasure of representing your parents with all their real estate needs; first meeting you when you were just a child; to then helping you as a first-time buyer to purchase this condo and now the pleasure of representing you being a first-time seller, now that the time was right for you to make a change.  I’ve always promised and delivered top notch service & representation  to you and your family and once again, this was no exception, providing an SRS Conditional sale on your condo at full market price, mere days after listing it…..and then just hours before the sold closing deadline…buyer backs out…un-saveable….RESTART & IMMEDIATE damage control marketing….3 days later….FULL PRICE SRS SOLD pt2  #SRS® #RENE

Thank you for trusting in my selling strategy designed specifically for your condo and implementing what was asked of you. Change can be tough and real estate can be confusing, scary & challenging, so I appreciate very much your trust in me as your guide and voice of strength throughout this roller coaster process.  Anything worth having in life, often takes risks.

I’m honored that you once again chose me to be your Realtor®, your Seller Representative Specialist, and grateful for your decade+ of being a loyal VIP client and supporter of how I sell Real Estate.  I will always be happy to help should you or anyone you know need any assistance in the future.  Wishing you the all the best life has to offer. ✌️

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How To Make Your Home Sale “Smooth Sailing”

If you’ve ever been on a cruise ship, you know that rough waters can result in a miserable experience. Even on modern ships equipped with stabilizers, choppy seas and bad weather can leave you stuck below deck – and possibly seasick.

In fact, the expression “smooth sailing” comes from a desire for calm waters.

When you sell your property, you’ll want smooth sailing too. You’ll want the experience to be as nondisruptive as possible, while also having plenty of qualified buyers interested in your listing. In the end, you’ll want the transaction to be completed without a hitch.

So how do you ensure that happens? Here are some things you can do to help:

  • Think of your home as a product - Potential buyers are more likely to become interested in a product that looks clean, uncluttered, and well-maintained. Make sure the front entrance is inviting and keep closets half-empty and organized. If you are in a house, make sure the exterior is appealing (shrubs and flowers go a long way with this).
  • Price it right - If it’s listed too high, potential buyers won’t come. If it’s listed too low, you may leave money on the table (potentially thousands). Setting the price will be one of the most important decisions you’ll need to make when selling your home.
  • Don’t be there during showings - As your real estate agent, I will take buyers through your property and show them all the great features. If you’re there, some buyers may not feel comfortable and may leave before they have had a chance to become interested.
  • Be flexible- This is especially important when it comes to showing appointments, negotiations, home inspections, closing dates, etc. It’s okay to be firm on some things, just not everything.

With these tips in mind, you can better tame choppy waters that may arise and hopefully smoothly sail into a sale.

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STRONG SALES CONTINUE AS INVENTORY LEVELS REMAIN AT LOWEST LEVELS SEEN SINCE 2008

Saskatchewan reported 1,841 sales in May, up six percent year-over-year and 24 per cent above long-term, 10-year averages. Sales levels remain strong across many regions of the province, with the largest year-over-year gains occurring in the Swift Current-Moose Jaw and Northern regions.

In line with seasonal expectations, the province reported a month-over-month gain in new listings. However, strong sales continue to prevent significant inventory relief, with inventory levels remaining at their lowest point since 2008. The sharpest decline in inventory continues to be experienced in homes priced below $300,000, as the more affordable segment of the market remains extremely competitive.

“Our housing market continues to report strong monthly sales figures despite persistent inventory challenges,” said Association CEO Chris Guérette. “An eleventh consecutive month of above-average sales is quite impressive when you consider how challenging it can be for prospective buyers in some markets in our province right now.”

Saskatchewan reported a residential benchmark price of $340,400 in May, up from $339,800 in April and over four per cent higher than May 2023. Prices rose across all property types in May, with the most significant gains occurring in apartment and row/townhouse-style properties.

“While the provincial months of supply fell below three months in May, conditions remain much tighter in our two largest centres – as Regina and Saskatoon are again reporting less than two months of supply,” said Guérette. “With further rate cuts on the horizon likely to spur additional demand – and no immediate inventory relief in sight – we expect tight conditions to continue to place upward pressure on prices across the province.”

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Regional Highlights
Year-to-date sales levels improved across all regions of the province in May, with significant gains being reported in the Regina-Moose Mountain, Saskatoon-Bigger, and Swift Current-Moose Jaw regions.

The province’s two largest regions saw further inventory declines due to strong monthly sales in May. As a result, the Regina-Moose Mountain (2.59 months of supply) and Saskatoon-Bigger (2.04) regions continue to report the tightest market conditions in the province.

Price Trends
Home prices trended up across many regions of the province in May, with the largest monthly gains occurring in the Saskatoon-Biggar and Swift Current-Moose Jaw regions.

With prices over 13 percent higher than last year, the City of Melfort reported the highest year-over-year price gain in May. Meanwhile, Saskatoon, Regina, Estevan, Weyburn, Moose Jaw, Swift Current, Humboldt, and Prince Albert reported year-over-year price gains in May.

City of Regina
The City of Regina reported 440 sales in May, a five per cent year-over-year gain and 32 per cent above long-term trends.

A slight uptick in new listings was met with another month of strong sales, resulting in inventory levels remaining nearly 50 per cent below long-term trends, and 1.69 months of supply in the Queen City.

The City of Regina reported a benchmark price of $320,000 in May, up from 319,800 in April and two per cent higher than May 2023.

City of Saskatoon
The City of Saskatoon reported 573 sales in May, up seven per cent year-over-year and 28 per cent above long-term, 10-year averages.

Inventory levels decreased by 21 per cent year-over-year and continue to sit nearly 50 per cent below long-term, 10-year trends.  Market conditions remain extremely tight, as the Bridge City is again reporting the lowest inventory levels in the province.

The City of Saskatoon reported a benchmark price of $397,200 in May, down slightly from 398,600 in April and nearly six per cent higher than May 2023.

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7 Master Bedroom Staging Ideas

As you most likely know, staging involves setting up the furniture, art and accessories of each room to help make your home look as appealing as possible to potential buyers. It’s similar to what furniture stores do when they create displays of model bedrooms, kitchens, etc.

When you’re staging your home, the master bedroom is particularly important. Here are some simple staging tips worth trying:

  1. Mirrors - Consider using mirrors to make the bedroom seem larger and more comfortable.

  2. Give Your Bed a Refresh - Put a new comforter on the bed.

  3. Light it Up – Open curtains or add a lamp if the lighting is dim. (Make sure lights are turned on during viewings.)

  4. Declutter - Be ruthless when removing clutter from the room, particularly the closet. Don’t keep anything stored under the bed.

  5. Depersonalize - Remove personal items, such as portraits.

  6. Practice the Art of Minimalism - Be a minimalist when it comes to the nightstand. Only have two or three accessories on it and make sure they complement the theme, such as a book, vase, candleholder, etc. (Don’t leave anything on top of dressers.)

  7. Paint - Experts say a neutral palette works best. Neutral colours allow our eyes to rest, evoking a sense of calmness and serenity.

Ideally, you want to make the bedroom look like a calm and welcoming retreat.


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Let the Light Shine In: Home Lighting for Health
Recently, researchers discovered that the lighting in your home can have a much greater impact on your health and well-being than originally thought. Better lighting can boost your energy, increase alertness, and help you sleep better.

So, it pays to ensure the lighting in your home is optimal. Here are 3 ways to get started:

  • Go Natural - Start by enhancing sources of natural light, such as windows and sunroofs. Study each room of your home and replace as much of the artificial light as possible with sunlight. For example, reposition a favourite reading chair next to a window. 
  • Install Dimmer Switches – Dimmer switches allow you to adjust the brightness of your light based on the time of day. There are manual switches, as well as ones you can control remotely with your phone and/or automate with smart technology. Dimming the lights in the evening will help promote better sleep.
  • Avoid Over-Lighting - This is common in rooms where there are few windows. Over time, excessive light can cause headaches and even mood changes. Lighting that is sufficient to see everything clearly is all you need.

Following these lighting tips will improve not just your overall health, but also the health of your investment when it comes time to sell.

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