Resale Home & Condo Guide Calgary

For more information on this property go to pages 50 & 51

Dec 28, 2012 - Jan 25, 2013 Volume 12 Issue 13

Your Best Source for Homes & Condos

Calgary Edition

INSIDE THIS ISSUE

TIPS FOR BUYING AN INVESTMENT PROPERTY

YOUR HOME: ASSET OR EXPENSE?

CREATE A BEAUTIFUL, FUNCTIONAL BASEMENT

GORGEOUS HOMEin Cranston

403.256.3888

Don Lothian Debbie Rice

[email protected] I www.calgaryrealestate.org

www.SamCorea.com | 403.870.8811*based on individual status as of November, 2011

BECAUSE HE WORKED HARD FOR HIS CLIENTS ALL YEAR, SAM IS THE #1 REMAX AGENT IN CALGARY AGAIN… NOW HE’S IN HAWAIIFOR THE HOLIDAYS!

MARKETING YOUR HOME FOR ALL IT’S WORTH®

Accepting new listings January 15th

*

2012-hawaii-ad-final.indd 2-3 12/17/12 4:41 PM

Condominiums

COVENTRY HILLS

On the Park! Beautifully updated featuring hard-wood flooring on the main level, wrought iron spindles, large island, breakfast bar & pantry, cozy stone fireplace, professionally developed lower level & 2 tiered deck.

$439,900

MCKENZIE LAKE

Substantially renovated! Gorgeous 1900 sqft home on large lot backs onto private path lead-ing to Fish Creek Park. Vaulted ceilings, hdwd, granite, 4 bdrms, 3 full baths, cozy fireplace, full lower development & so much more.

$509,900

CONNAUGHT

Recently renovated 916 sqft 2 bedroom in con-crete building. Features spacious bright maple kitchen, newer appliances, lots of cabinetry, ceramic tile & newer berber carpet. Generous ensuite & laundry area w/extra room for storage.

$269,900

BEDDINGTON

Immaculate & substantially updated 3 bedroom attached 2 storey Upgrades include: new siding, shingles, flooring, paint, blinds & lights. Newer countertops, appliances & linoleum. Close to transit, parks, schools & transit.

$289,900

VARSITY VILLAGE

Elegant spacious 2 bdrm + loft 2 storey town-home w/double tandem garage. Fabulous loca-tion – Close to the LRT, a quick escape to the mountains & close to Market Mall, U of C & both the Children’s & Foothills Hospitals.

$379,900

IRRICANA

This parcel contains 80 ACRES of PRIME cultivat-ed farm land and is located adjacent to the East of Range Road 263, one mile North of Highway #9 and 2 miles North of the Town of Irricana in the Municipal District of Rockyview.

$449,900

CANMORE

“Three Sisters” Fabulous views from this immac-ulate 3 bdrm, 2½ bath 3 storey with dbl garage. Features hardwood, granite, extra tall cabinetry, breakfast bar & island, custom Hunter Douglas blinds & cozy fireplace.

$489,900

SIGNAL HILL

Fabulous +50 complex with private clubhouse facilities & amenities. Largest floor plan featur-ing 2 bedrooms, 2 bathrooms, 2 sheltered decks, insuite laundry, loads of closet space, storage locker & heated underground parking.

$339,900

COCHRANE – SUNSET RIDGE

Exceptional location! Mtn Views! 3 bdrm, 2½ bath 1805sf 2 storey w/walk-out backs onto reserve w/ponds & paths. $40,000+ in upgrades incl: hdwd & tile floors, cozy gas fp, black appl., espresso cabinetry & island w/breakfast bar. $399,900

CEDARBRAE

EXCEPTIONAL VALUE! MUST BE SOLD! Features 3 bdrms, 1½ baths, cozy wood burning fireplace, large sunny patio & 2 heated underground park-ing stalls. Beautifully maintained complex with lots of mature trees & shrubs. $198,500

CONNAUGHT

Executive 2 bdrm, 2½ bath 2 storey townhouse. Modern open concept style features a maple kitchen w/stainless steel appliances, gas fire-place, separate laundry room, brick patio + 1 titled & 1 leased underground parking stall.

$409,900

EAU CLAIRE

Executive living! 2 bdrm, 2 bath corner unit in THE WATERFRONT. Features downtown skyline view, gourmet kitchen w/large island, stainless appliances, hdwd & tile flrs, cozy f/p, heated parking, gym, party rm, concierge & security.

$589,900

MISSION

New luxurious 2 – 4 bdrm PENTHOUSE units available in La Rive located on the banks of the Elbow River. Full concrete construction, 9’ ceilings, hdwd, tile, granite, s.s. appliances, fireplaces & titled parking.

$899,900 - $1,500,000

GARRISON WOODS

Beautifully finished 1 bedroom + den unit featur-ing an open concept kitchen w/stainless appli-ances, granite & large island. Also included are a gas fireplace, insuite laundry, large balcony & a heated u/g parking stall.

$249,900

PARKHILL

Coming Soon! Exclusive development at the high-est point in Parkhill with lovely views. Contempo-rary duplex & triplex units have sgl/dbl garages + covered parking stall. S.S. appliance pkg, hdwd floors, granite counters & 2½ baths. STARTING IN THE $470,000’S

COCHRANE - GLENBOW

This large 3 bedroom, 2½ bath 2 storey town-home in desirable McGonigle Heights features an island kitchen, ample cabinetry & countertops, de-veloped basement +single attached garage. Close to restaurants, curling, golf & so much more! $309,900

MISSION

Luxury living in this bright, 2 bedroom PENT-HOUSE featuring vaulted ceilings, floor to ceiling windows , gourmet kitchen , feature fireplace, 2 decks with South & West views & 2 underground parking stalls.

$629,900

HAYSBORO

Contemporary living in this bright, open 1 bdrm + den unit features granite counters, large win-dows, air conditioning, sunny south exposure, private balcony, insuite laundry & storage, 24hr concierge & 1 heated u/g pkg stall.

$253,900

SHAWNESSY

Lovely 3 bedroom home featuring new front door, tiled foyer, laminate flooring, cozy fireplace, shiny new kitchen with updated appliances and more. Lower level is fully finished. Private park-like yard & single garage.

$349,900

DIANNE & MICHAEL BROWNCALL & ASK FOR DIANNE

LANDAN REAL ESTATE

Dianne Brown

403-256-3888 1-800-661-6262

REAL ESTATE TEAMLANDAN REAL ESTATE

[email protected]

ACHIEVEMENTS• RE/MAX Platinum Club • RE/MAX President’s Club

• Chairman’s Club • Member of MLS Million Dollar Club

“For the best in Quality Service

MOUNT PLEASANT

New luxurious 3 bdrm, 2.5 bath 2 storey at-tached homes with 2089sf of well planned living space. Features granite, breakfast bar, extra tall cabinetry, walk-in pantry, hdwd flooring, gas fire-place, vaulted ceilings & dbl garage.

$599,800

SOLD

SOLD

SOLD

SOLD

NORTH GLENMORE

New House on a 50’ lot. Absolutely gorgeous custom quality home loaded w/upgrades. 9’ ceilings, hardwood flooring, top of the line s.s. appliances, prof. developed lower level. Close to schools, parks & easy access to downtown. $1,395,000

ResidentialRural

MCKENZIE LAKE

WOW! This bungalow features a total of 4 bdrms, 3 bathrooms, 2 fireplaces, main floor laundry, ce-ramic tile, vaulted ceiling, huge kitchen w/pantry, large peninsula w/breakfast bar, 2 tiered deck. Close to park & river path system.

$479,900

STAVELY

Great opportunity to own a newer custom built raised bungalow on almost 6 acres of land. This home is designed for energy efficiency & low main-tenance. Features an oversized Quonset & heated workshop. Close to many recreational sites.

$399,900

SPEARGRASS

Absolutely gorgeous walkout bungalow loaded w/upgraded features - vaulted ceilings, tigerwood floors, granite counters, in-slab heating, instant HWT & more. Backs onto golf course, mountain views & easy commute to Calgary & Strathmore.

$639,900

CHESTERMERE

Prime Location! This 4 acre property is within the Town of Chestermere Municipal Development Plan. Large 3+1 bedroom, 2½ bath home with dbl garage + large 32’x58’ Quonset (room for all your toys). Lots of trees for privacy.

$649,900

NORRIS COULEE

Fabulous 3 bdrm 3731sqft country home nestled on a 4 acre parcel. Rustic yet elegant, this home has it all: loads of windows bathing this home in natural light, a wrap around deck, 4 car garage and a private pond with waterfall.

$1,195,000

MAYFAIR

Completely renovated – Gorgeous 4 bdrm w/dramatic open beam vaulted ceilings, hdwd floors, custom built-ins, 2 fireplaces. Gourmet kitchen w/custom cabinetry, professional line s.s. appli-ances, quartz counters, 3½ baths & triple garage.

$1,398,000

COVENTRY HILLS

On the Park! Beautifully updated featuring hard-wood flooring on the main level, wrought iron spindles, large island, breakfast bar & pantry, cozy stone fireplace, professionally developed lower level & 2 tiered deck.

$439,900

MCKENZIE LAKE

Substantially upgraded 3+1 bedroom home features 3½ baths, air conditioning, upgraded s.s. appliances, cozy gas fireplace, bonus room, vaulted ceiling & so much more. Close to park & ridge and river valley path system.

$548,500

ERLTON

BUILDERS & DEVELOPERS – Outstanding lot on quiet cul-de-sac. Full downtown views! Zoned for up to 3 dwellings. Approved plans & permits incl: triplex w/2 attached 3 storey dwellings & 3rd bungalow dwelling.

$479,900

ROYAL OAK BEAUTY

3+1 bdrm w/huge bonus rm & main floor den. Prof. developed lwr level w/bdrm/bath & family rm. Hdwd throughout the main, large kitchen w/island/breakfast bar, wet bar, gas f/p & 9’ ceilings. Great home in like-new condition + sunny west yard. $529,900

MCKENZIE LAKE

Substantially renovated! Gorgeous 1900 sqft home on large lot backs onto private path lead-ing to Fish Creek Park. Vaulted ceilings, hdwd, granite, 4 bdrms, 3 full baths, cozy fireplace, full lower development & so much more.

$509,900

WOODBINE

Elegant 2 storey executive home backing onto Fish Creek Park. 3+1 bdrms, 3½ baths, soaring ceilings, walls of glass, skylights, inlaid limestone & granite flooring & fabulous gourmet kitchen. Prof. landscaped + heated pool.

$1,646,900

SHAWNEE SLOPES

Beautifully maintained 2 storey home backing onto a greenbelt & park. Total of 5 bdrms, large open foyer, spacious island kitchen, fireplace & built-ins. Conveniently located – 15 minute walk to LRT & Fish Creek Park.

$518,888

FOOTHILL ESTATES

Classic 60’s 1837sf fully developed 2 storey split on .22 acres facing a park. Features hdwd, cus-tom shelving, well laid out kitchen & main floor laundry. Close to the Winter Club, schools, tran-sit, Nose Hill & Confederation Parks.

$689,900

ASPEN WOODS

Great floor plan in this 3 bedroom, 2½ bath 2 storey home. Features include vaulted ceiling, oversized windows, gas fireplace, extra tall cabi-netry, granite counters, island with breakfast bar, walk-in pantry & upper laundry room.

$689,900

CONNAUGHT

Recently renovated 916 sqft 2 bedroom in con-crete building. Features spacious bright maple kitchen, newer appliances, lots of cabinetry, ceramic tile & newer berber carpet. Generous ensuite & laundry area w/extra room for storage.

$269,900

CHAPARRAL

Full Lake Privileges! Over 2300sqft of living space featuring 3 bedrooms, den, bonus rm, 2½ baths, 2 sided fireplace, kitchen w/large island & breakfast bar & walk-in pantry. Granite counters, hdwd flooring & vessel sinks.

$498,900

IRRICANA

This parcel contains 80 ACRES of PRIME cultivat-ed farm land and is located adjacent to the East of Range Road 263, one mile North of Highway #9 and 2 miles North of the Town of Irricana in the Municipal District of Rockyview.

$449,900

”

COCHRANE – SUNSET RIDGE

Exceptional location! Mtn Views! 3 bdrm, 2½ bath 1805sf 2 storey w/walk-out backs onto reserve w/ponds & paths. $40,000+ in upgrades incl: hdwd & tile floors, cozy gas fp, black appl., espresso cabinetry & island w/breakfast bar. $399,900

EAU CLAIRE

Executive living! 2 bdrm, 2 bath corner unit in THE WATERFRONT. Features downtown skyline view, gourmet kitchen w/large island, stainless appliances, hdwd & tile flrs, cozy f/p, heated parking, gym, party rm, concierge & security.

$589,900

SHAWNESSY

Lovely 3 bedroom home featuring new front door, tiled foyer, laminate flooring, cozy fireplace, shiny new kitchen with updated appliances and more. Lower level is fully finished. Private park-like yard & single garage.

$349,900

CRESCENT HEIGHTS

Inner City Living! This 3 bedroom + den home is tastefully updated & MOVE IN READY! Hard-wood floors, corner fireplace, vaulted ceiling, dbl closets, clawfoot tub, professionally designed courtyard like private South yard.

$729,900

1-800-661-6262

”“For the best in Quality Service

MOUNT PLEASANT

New luxurious 3 bdrm, 2.5 bath 2 storey at-tached homes with 2089sf of well planned living space. Features granite, breakfast bar, extra tall cabinetry, walk-in pantry, hdwd flooring, gas fire-place, vaulted ceilings & dbl garage.

$599,800

SOLD

SOLD

SOLD

NORTH GLENMORE

New House on a 50’ lot. Absolutely gorgeous custom quality home loaded w/upgrades. 9’ ceilings, hardwood flooring, top of the line s.s. appliances, prof. developed lower level. Close to schools, parks & easy access to downtown. $1,395,000

403.256.3888

Beautifully decorated 3 bedroom home less than a block from the ridge with miles and miles of paths and walkways. The main floor has a flex room, large nook, and the sec-ond floor has a large bright bonus room. This home has been completely updated with paint, flooring, appliances and window coverings. The back yard has been profession-ally landscaped with customized exposed aggregate patio. An amazing property.

The quality can be felt throughout all 3 levels. The kitchen features granite countertops, the appliances are all high end and the stove has an induction top. The living room features built-in cabinetry around the gas fireplace and lots of light. The master bedroom has vaulted ceilings and his and hers closets. The ensuite has 2 sinks, a rainforest showerhead and a large soaker tub. The basement features large windows in the recroom, in-floor heating throughout and a 3 piece bath off the 4th bedroom. The exterior of house and garage is acrylic stucco.

Beautiful 3 level split across from green space with great access to the off leash parks and fantastic walking paths. The back yard is set up for entertaining with the lush landscaping and great patio space. Three spacious bedrooms with hardwood floors. The home is inviting as you step through the front door with a bright spacious living room and dining room with sliding doors to the back yard. This home is a great find in a mature neighbourhood close to all amenities

Fully dev 1860 sq ft main, (total 3400 sq ft) 4 bedrooms (2 up & 2 down) walkout bungalow. 10 Ft main floor ceilings and 9 ft lower. Estate features through out. Triple glazed windows, air conditioning, stainless steel appliances, granite counter tops. A must to view.

Maple hardwood has been installed on both upper levels. The professional grade kitchen has a huge granite island incorporating a Wolf gas range and custom copper hoodfan. There are 2 built in ovens and a large Sub-Zero fridge. All the windows in the house have been replaced and extras were added to bring in more light. A beautiful wood staircase leads up to the large master suite overlooking the lake. A private deck off the master is perfect for a quiet retreat. There are 4 bedrooms up plus a 5th in the basement.

Beautifully and very tastefully presented updated bungalow on estate cul-de-sac in the heart of Lake Sundance! Gleaming hardwood, clay tile roof, newer deck, maticulous landscaping, and upgraded finishing. An abundance of windows add natural light to this beautiful home. Open stairway leads to the professionally developed lower level with 2 spacious bedrooms, 3 piece bath and warm central rec room.

GORGEOUS HOME IN CRANSTON

INFILL IN ALTADORE

BEAUTIFUL 3 LEVEL SPLIT IN SOUTHWOOD

HOME ON THE LAKE AUBURN BAY

RENOVATED HOME ON LAKE SUNDANCE

GORGEOUS BUNGALOW IN SUNDANCE

$609,888

$885,000

$395,000

$1,299,900

$1,599,000

$509,800

For more information on current listings - or to chat directly anytime, please call Don or Debbie at 403.256.3888 or 1.800.661.6262

[email protected]

102, 279 Midpark Way SECalgary AB, T2X 1M2

Debbie Rice

LANDAN REAL ESTATE403.256.3888Debbie RiceDebbie RiceDon Lothian

Email: [email protected]

Call: 403.247.5503

www.tarkan.ca

SEE MORE & DO MORE IN CANMORENestled in beautiful Three Sisters is this fantastic retreat in The Portal At Stewart Creek...a gorgeous 2 bedroom unit with rich hardwood fl oors & a soaring open fl oorplan bathed in natural light. This bright 2-level unit offers a dramatic two storey living room with a gas fi replace & fl oor-to-ceiling windows, a sleek gourmet kitchen with stainless steel appliances & granite counters and TWO indoor parking stalls included.

SEE MORE & DO MORE IN CANMOREWelcome to the Three Sisters mountain retreat surrounded by towering trees & the pristine Rocky Mountains. This gorgeous 2 bed townhome offers high vaulted ceilings an open plan kitchen with alderwood cabinets, stainless steel appliances with a gas stove & granite countertops. With arguably the best views in the complex, you can view the mountains from every room. There are 2 decks - one boasts a built-in gas barbeque. A great loft with a skylight, an upper level laundry with a full-sized stacked washer/dryer, hardwood & tile fl oors, 2 full bathrooms - both with granite counters, including the master ensuite with an oversized walk-in shower, two parking stalls in the heated underground parkade along with a good sized storage locker. The perfect getaway from Calgary in the heart of this mountain resort!

EDGEMONT’S POPULAR RAVINE SYSTEMAbsolutely gorgeous 4 bedroom two storey walkout backing onto Edgemont’s popular ravine system... a beautifully renovated family home nestled in this quiet cul-de-sac within walking distance to schools & shopping. The main fl oor of this bright & airy home boasts an open concept living/dining room with wrap-around windows, a sunken family room with a wood-burning fi replace framed by built-in wall units & a sleek oak island kitchen with granite counters & stainless steel appliances including a cooktop stove & built-in oven.

ROYAL OAK LUXURYSurrounded by panoramic mountain, city & downtown views to the horizon is this beautifully upgraded custom home in Royal Oak Estates...a stunning one-owner home on a ridge backing South onto a playground. Showcased by 9ft ceilings & rich hardwood fl oors, this 4 bedroom beauty boasts a great room with a gas fi replace, a main fl oor offi ce with a recessed ceiling, a formal dining room & a sleek maple kitchen with stainless steel appliances, granite counters. A spacious bonus room upstairs with a master bedroom and a raised ensuite. A fully fi nished walkout basement completes this elegant home.

#322 107 ARMSTRONG PLACE $399,900

#321 107 ARMSTRONG PLACE $419,900

43 EDGERIDGE COURT NW $729,900

63 ROYAL RIDGE MANOR NW $949,900

MLS #C3539308

MLS #C3548254

MLS #C3545056

SOLD

MLS #C3547045

HAPPY NEW YEAR & THE BEST IN 2013

Want to sell your rental property? One call does it all 403.835.4904

Professional Service Professional results

www.DeanRealestate.ca I [email protected]

Bankview Condo$219,000• New Walnut Floors• New Kitchen with maple cabinets, granite, • stainless steel appliances

Airdrie 2 storey$329,000• 1414 sq ft• Large deck• Dark maple kitchen

Glenbrook Townhouse $188,000• 2 storey • 3 bedroom• FREE CONDO FEES FOR 6 MONTHS

Hidden Valley $349,900• Great Value • Developed Basement• Like new condition

Crescent Heights$409,000

• Amazing City views• 2 bedroom corner unit

Coventry Hills JUST LISTED $344,000• Numerous new upgrades• Hardwood floors, • Travertine tile work

sold

sold

Dean BenoiteReal Estate Broker, Investor, Landlord

403.835.4904Win a car promotion being offered

by Precision Real Estate

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The Calgary Resale Home & Condo Guide is published by Wall2Wall Media located at 2891 Sunridge Way NE, Calgary, AB T1Y 7K7. Resale Home & Condo Guide is distributed throughout Calgary at free pick-up locations. This magazine carefully inspects all ads for accuracy, however, the publisher and the printer shall not be responsible for any mistakes, design errors or incorrect information which is provided by the advertiser or their representative. The advertising herein, including the photographs and all artwork, is the property of Resale Home & Condo Guide and not that of the advertiser. The advertiser has purchased the right of reproduction in Resale Home & Condo Guide magazine only and does not have the right to reproduce the ad in whole or in part in any other place or publication without the consent of the publisher.

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cameron & comPany discount realty ltd. Dory Cameron. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26

century 21 David Crick . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30

cir realty David Setter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22

maPle leaf realty Ken Yeoh . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21

Precision real estate Dean Benoite . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8

real estate Professionals Melissa Fowler . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27

re/max real estate Debbie Rice . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6Dianne Brown . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 Don Lothian. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 Gary Williams . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33 James Cote . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18 Len T. Wong & Associates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28 Rahim Dhanji . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21 Richard Kim. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 49 Robert Cote . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17 Ron Clappison . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25Sam Corea . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 Scott Merchant . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 37

royal lePage real estate Chris Zaharko . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 Kelly McKelvie & The McKelvie Group . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Back Cover Raymond Riley . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33 Ripco Marketing Team . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 54 Serhan Tarkan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7

consumer home show Calgary HomExpo Show . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19

M o R T G A G E C o M P A N i E S

Prolink Lori Ames. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 38

R E C R E A T i o N A l P R o P E R T i E S & M o R E

Pemberton holmes Nancy Vieira . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46

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Volume12 Issue13 | ResaleHome&CondoGuide • 9

Volume 12 Issue 13 | dec 28, 2012 - jan 25, 2013

contentsin this issue maps & extras

16. Editor’s NotE

18. tips aNd tricks Five post-christmas clean-up tips

22. hot topic What you should know about buying an investment property by Wayne Karl

32. fEaturE rEaltor don lothian and debbie Rice at Re/max landan Real estate by heather

ryan

37. rEcipE anna olson’s roasted root vegetables

38. mortgagE poll canadians view their homes as key investment tool

42. holiday tips How to replace holiday stress with holiday joy by hellen Buttigieg

44. arouNd thE housE make your basement beautiful – and functional

50. fEaturE propErty cranston estate home steps away from River Valley. Featured by don lothian and debbie Rice at Re/max landan Real estate by heather ryan

53. markEt aNalysis Residential sales activity on a steady pace by heather ryan

50

10 • ResaleHome&CondoGuide | Volume12 Issue13

42maps & extras

20, 24, 39 and 41. calgary maps, communities and mls numbers

34. You love the home, see what you can afford!

45. Real properties

48. out-of-town regional map

FoR adVeRtIsIng InFoRmatIon call officE 403.461.5518

next deadlIne: JaNuary 11, 2013 22

53

3718

Volume 12 Issue 13 | dec 28, 2012 - jan 25, 2013

contentsin this issue maps & extras

16. Editor’s NotE

18. tips aNd tricks Five post-christmas clean-up tips

22. hot topic What you should know about buying an investment property by Wayne Karl

32. fEaturE rEaltor don lothian and debbie Rice at Re/max landan Real estate by heather

ryan

37. rEcipE anna olson’s roasted root vegetables

38. mortgagE poll canadians view their homes as key investment tool

42. holiday tips How to replace holiday stress with holiday joy by hellen Buttigieg

44. arouNd thE housE make your basement beautiful – and functional

50. fEaturE propErty cranston estate home steps away from River Valley. Featured by don lothian and debbie Rice at Re/max landan Real estate by heather ryan

53. markEt aNalysis Residential sales activity on a steady pace by heather ryan

50 42maps & extras

20, 24, 39 and 41. calgary maps, communities and mls numbers

34. You love the home, see what you can afford!

45. Real properties

48. out-of-town regional map

FoR adVeRtIsIng InFoRmatIon call officE 403.461.5518

next deadlIne: JaNuary 11, 2013 22

53

3718


Chris Zaharko | Associate#1 Individual Agent at Royal LePage Foothills 2008

P: 403.249.4322F: 403.252.2653

Zaharko the name synonymous with real estatethe name synonymous with real estatewith real estate

Rockyridge Estates

Location...Location! If tranquility and nature are what you are looking for; then welcome to this stunning 2 storey walkout backing onto a lake & greenspace. This custom built 3700 sf home features a majestic foyer and offers a music room, den, formal dining room, 2 storey high great room with a stone fi replace and large windows with views of the lake. Hardwood and Tile throughout the main fl oor. The gour-met kitchen has top quality appliances, gorgeous cabinets, granite counters, a centre island, a walk-in pantry and a full length arched window over the sink with lake views. 4 bedrooms up with walk-in closets & ensuite bathrooms. Solid wood doors and built-in speakers throughout. Mud room off the garage has lockers, built-ins & a bench. Main fl oor laundry with a laundry chute from the upper level. Ag-gregate driveway and double attached garage. This home has too many features to list and is a must see! $1,299,000 MLS #C3530436

Fully developed 4 bedroom Cedarglen home located on a quiet street in Evergreen. Open concept fl oor plan which is great for entertain-ing. Kitchen features hardwood fl oors, plenty of cabinets, a corner pantry and an island with raised breakfast bar. Spacious great room and dining area with a garden door leading to the deck. Upstairs is a large bonus room with a corner stone gas fi replace and vaulted ceil-ing. The master bedroom features a walk-in closet and 4 piece ensuite with a soaker tub & separate shower. The lower level is developed with a large rec room, a 4th bedroom and another 4 piece bathroom. This lovely home is situated in a family oriented neighbourhood and close to all amenities. $458,000 MLS# C3544330

Evergreen

Kelvin Grove - Renovated Bungalow

Updated bungalow in desirable Kelvin Grove with a total of 4 bedrooms and 3 full baths. New Hardwood throughout the main fl oor. Large open living room with a corner fi replace and formal dining room. Kitchen has new maple cabinets, granite counters, stainless steel appliances and a large breakfast bar. Sunken family room with another fi replace and french doors leading to secluded rear yard. 3 good sized bedrooms on the main and the master ensuite has a walk-in whirlpool bath. Basement boasts a media room, 4th bedroom and a full bath with heated tiles and a 2 person whirlpool tub. Exterior features new stucco and cultured stone, new windows and a double oversized garage plus RV parking. New furnace and hot water tank. Located on a large corner lot and close to all amenities. $729,000 MLS #C3528983

Connaught - The Montana

Welcome to the Montana, an upscale contemporary complex, located in the vibrant and trendy inner city district of Connaught. Offering exclusive elegance and thoughtful amenities such as a 24 hour professional concierge who is dedicated to making your life easier. This 1261 sq. ft. two bedroom & Den unit on the 18th fl oor features fl oor to ceiling windows offering panoramic views. The functional kitchen boasts GE Profi le stainless steel appliances, granite countertops, breakfast bar and maple cabinets with under cabinet lighting. The master bedroom features a walk-in closet and 4 piece ensuite bath. Natural gas BBQ hookup on the balcony. Titled underground parking (P3-31). Prime location, close to shopping, restaurants and minutes to the downtown core. $729,900 MLS #C3543240Also available is a 910 sq. ft. two bedroom unit on the 10th fl oor (Bellevue fl oor plan). Titled underground parking (P2-15). Asking $505,000 MLS #C3543236

Killarney

Custom built Lantern home with a Tuscan-theme design including rich hardwood, distressed wrought-iron railings, granite counters, cus-tom cabinetry, accent lighting & triple glazed windows. Large den with generous natural light & coffered ceilings. The gourmet kitchen features rich maple cabinets, granite counters, s.s. appliances & a large center island with raised breakfast bar. Spacious dining area which is open to the kitchen & living room, perfect for entertaining. Living room features a corner gas fi replace with Tuscan-inspired tile surround. Mud room on the main fl oor features a 2 pce bath & laundry area. The large master bedroom boasts a coffered ceiling, double walk-in closets + a luxurious 5 piece ensuite with a corner soaker tub, shower & double vanities with granite countertops. Two additional bedrooms & a 4 piece bathroom fi nish off the upper level. The lower level has a large family room with a gas fi replace, wet bar, bedroom & 3 pce bath. Double detached garage. Close to all amenities. $649,000 MLS #C3542756


P: 403.249.4322F: 403.252.2653

E: [email protected]: www.zaharko.com

the name synonymous with real estatethe name synonymous with real estatewith real estate

Rockyridge Estates

Location...Location! If tranquility and nature are what you are looking for; then welcome to this stunning 2 storey walkout backing onto a lake & greenspace. This custom built 3700 sf home features a majestic foyer and offers a music room, den, formal dining room, 2 storey high great room with a stone fi replace and large windows with views of the lake. Hardwood and Tile throughout the main fl oor. The gour-met kitchen has top quality appliances, gorgeous cabinets, granite counters, a centre island, a walk-in pantry and a full length arched window over the sink with lake views. 4 bedrooms up with walk-in closets & ensuite bathrooms. Solid wood doors and built-in speakers throughout. Mud room off the garage has lockers, built-ins & a bench. Main fl oor laundry with a laundry chute from the upper level. Ag-gregate driveway and double attached garage. This home has too many features to list and is a must see! $1,299,000 MLS #C3530436

Fully developed 4 bedroom Cedarglen home located on a quiet street in Evergreen. Open concept fl oor plan which is great for entertain-ing. Kitchen features hardwood fl oors, plenty of cabinets, a corner pantry and an island with raised breakfast bar. Spacious great room and dining area with a garden door leading to the deck. Upstairs is a large bonus room with a corner stone gas fi replace and vaulted ceil-ing. The master bedroom features a walk-in closet and 4 piece ensuite with a soaker tub & separate shower. The lower level is developed with a large rec room, a 4th bedroom and another 4 piece bathroom. This lovely home is situated in a family oriented neighbourhood and close to all amenities. $458,000 MLS# C3544330

Evergreen

Kelvin Grove - Renovated Bungalow

Updated bungalow in desirable Kelvin Grove with a total of 4 bedrooms and 3 full baths. New Hardwood throughout the main fl oor. Large open living room with a corner fi replace and formal dining room. Kitchen has new maple cabinets, granite counters, stainless steel appliances and a large breakfast bar. Sunken family room with another fi replace and french doors leading to secluded rear yard. 3 good sized bedrooms on the main and the master ensuite has a walk-in whirlpool bath. Basement boasts a media room, 4th bedroom and a full bath with heated tiles and a 2 person whirlpool tub. Exterior features new stucco and cultured stone, new windows and a double oversized garage plus RV parking. New furnace and hot water tank. Located on a large corner lot and close to all amenities. $729,000 MLS #C3528983

Connaught - The Montana

Welcome to the Montana, an upscale contemporary complex, located in the vibrant and trendy inner city district of Connaught. Offering exclusive elegance and thoughtful amenities such as a 24 hour professional concierge who is dedicated to making your life easier. This 1261 sq. ft. two bedroom & Den unit on the 18th fl oor features fl oor to ceiling windows offering panoramic views. The functional kitchen boasts GE Profi le stainless steel appliances, granite countertops, breakfast bar and maple cabinets with under cabinet lighting. The master bedroom features a walk-in closet and 4 piece ensuite bath. Natural gas BBQ hookup on the balcony. Titled underground parking (P3-31). Prime location, close to shopping, restaurants and minutes to the downtown core. $729,900 MLS #C3543240Also available is a 910 sq. ft. two bedroom unit on the 10th fl oor (Bellevue fl oor plan). Titled underground parking (P2-15). Asking $505,000 MLS #C3543236

Killarney

Custom built Lantern home with a Tuscan-theme design including rich hardwood, distressed wrought-iron railings, granite counters, cus-tom cabinetry, accent lighting & triple glazed windows. Large den with generous natural light & coffered ceilings. The gourmet kitchen features rich maple cabinets, granite counters, s.s. appliances & a large center island with raised breakfast bar. Spacious dining area which is open to the kitchen & living room, perfect for entertaining. Living room features a corner gas fi replace with Tuscan-inspired tile surround. Mud room on the main fl oor features a 2 pce bath & laundry area. The large master bedroom boasts a coffered ceiling, double walk-in closets + a luxurious 5 piece ensuite with a corner soaker tub, shower & double vanities with granite countertops. Two additional bedrooms & a 4 piece bathroom fi nish off the upper level. The lower level has a large family room with a gas fi replace, wet bar, bedroom & 3 pce bath. Double detached garage. Close to all amenities. $649,000 MLS #C3542756


P: 403.249.4322F: 403.252.2653

Zaharko the name synonymous with real estatethe name synonymous with real estatewith real estate

The Anderson - Lower Mt Royal

Old world charm and modern living have come together to make one of the city’s oldest and most distinguished buildings a landmark residents can call home. Anderson Estates, located at 804-18 Avenue S.W., symbolizes sophisticated living and nostalgia for another time. Located in Lower Mount Royal, near the heart of Uptown 17th, the historical building remains a cornerstone of downtown Cal-gary culture and a hotspot for young trend-setters. The H-shaped building, designed to maximize the natural light, still includes the original solid oak baseboards and mouldings, maple fl oors, brass railings with cast-iron rails, and imported Italian marble stairs. Each of the units, 65 one-bedroom and a single, 2-bedroom, have ten-foot ceilings, six-foot tall windows, granite countertops, maple or oak cabinets, re-porcelained clawfooted tubs, and a new hot-water system. There are two different fl oor plans, with exception to the two-bedroom, which had originally been bought as two condos and expanded by a past owner. The T-shaped condos are 497 sq.ft., while the bay window units are 619 sq.ft. but they feel deceptively larger, thanks to the amount of natural light and fl oor plan.

Uni

t 2 -

$334

,500

Connaught

Springbank Hill

Welcome to the Wellington Estates, a secure well managed con-crete building with heated underground parking. This one bed-room unit is located on the 10th fl oor with west exposure offering stunning views. Functional kitchen with plenty of cabinets and a spacious living room with a balcony. Located steps from Starbucks, Subway & more plus only a short walk to the restaurants and shop-ping on 17th Avenue, downtown and the new LRT. Note: Unit can be sold furnished (excluding the art). $229,900 MLS #C3540614

Maple Ridge Bungalow

Three bedroom bungalow on an oversized lot in Maple Ridge. French doors lead from the foyer into the spacious living room with hardwood fl oors and a wood burning fi replace. The adjoining dining room leads into the kitchen. Parquet fl ooring in the kitchen with plenty of white cabi-nets and a good sized eating area. Large master bedroom with double closets and a 2 piece ensuite. Basement has a large rec room with a corner wet bar and a 3 piece bath. Large mature back yard with an oversized double detached garage. $389,900 MLS# C3547468

Panorama Hills Condo

This top fl oor corner unit is privately situated at the northern edge of the complex with a wrap-around balcony that offers spectacular views. Open and functional fl oor plan with 9 foot ceilings, a corner gas fi replace, 2 bedrooms and 2 full baths. Kitchen features a window over the sink, maple cabinets, ceramic tile fl oors and a raised breakfast bar. Unit is also pre-wired for a home theatre system. Great location within walking distance to movies, restaurants, shopping, leisure centre, library and public transportation. $264,000


P: 403.249.4322F: 403.252.2653

E: [email protected]: www.zaharko.com

the name synonymous with real estatethe name synonymous with real estatewith real estate

The Anderson - Lower Mt Royal

Old world charm and modern living have come together to make one of the city’s oldest and most distinguished buildings a landmark residents can call home. Anderson Estates, located at 804-18 Avenue S.W., symbolizes sophisticated living and nostalgia for another time. Located in Lower Mount Royal, near the heart of Uptown 17th, the historical building remains a cornerstone of downtown Cal-gary culture and a hotspot for young trend-setters. The H-shaped building, designed to maximize the natural light, still includes the original solid oak baseboards and mouldings, maple fl oors, brass railings with cast-iron rails, and imported Italian marble stairs. Each of the units, 65 one-bedroom and a single, 2-bedroom, have ten-foot ceilings, six-foot tall windows, granite countertops, maple or oak cabinets, re-porcelained clawfooted tubs, and a new hot-water system. There are two different fl oor plans, with exception to the two-bedroom, which had originally been bought as two condos and expanded by a past owner. The T-shaped condos are 497 sq.ft., while the bay window units are 619 sq.ft. but they feel deceptively larger, thanks to the amount of natural light and fl oor plan.

Bankview CondoConnaught

Springbank Hill

Welcome to the Wellington Estates, a secure well managed con-crete building with heated underground parking. This one bed-room unit is located on the 10th fl oor with west exposure offering stunning views. Functional kitchen with plenty of cabinets and a spacious living room with a balcony. Located steps from Starbucks, Subway & more plus only a short walk to the restaurants and shop-ping on 17th Avenue, downtown and the new LRT. Note: Unit can be sold furnished (excluding the art). $229,900 MLS #C3540614

This lovely 3 bedroom 2 storey home is located in the sought after community of Montreaux and offers over 1848 sq. ft. of living space. Open and func-tional fl oor plan featuring dark stained cabinets and hard-wood fl oors. Gorgeous master suite with huge walk-in closet and builts-ins. Walking dis-tance to Aspen Landing, parks and pathways, minutes to the Westside Rec Center and new C-Train line. Close to both pub-lic and private schools and a quick commute to downtown. $599,900

Located on a quiet tree lined street in Bankview close to all amenities. This 2 bedroom town-house is perfect for the working professional. Laminate fl ooring throughout and large windows for an abundance of natural light. Living Room features a corner wood burning fi replace and sliding doors to a large patio with glass panel railing. Galley style kitchen with new tile fl oor and lots of cabinets. 2 piece powder room. Upper level includes a spacious master bedroom with a walk-in closet and sliding doors to another balcony. Large 2nd bedroom, laundry area and 4 piece main bath complete the upper level. Parking stall in the back. $259,900

Bridgeland Condo

Welcome to the Pontefi no I located on a quiet street across from a green space, park and the Bow River pathways. This 1 bedroom + den unit has a nice open fl oor plan with large windows for plenty of natural light. Functional kitchen with lots of cabinets and a curved breakfast bar. A garden door from the kitchen leads out to the patio. Spacious master bedroom with large windows, a walk-in closet and 4 piece ensuite with soaker tub. Heated underground parking. Great location, in the heart of Bridgeland, within walking distance to restaurants, shops, Starbucks, the C-Train and a short walk to downtown. $282,000 MLS #C3539660

Maple Ridge Bungalow

Three bedroom bungalow on an oversized lot in Maple Ridge. French doors lead from the foyer into the spacious living room with hardwood fl oors and a wood burning fi replace. The adjoining dining room leads into the kitchen. Parquet fl ooring in the kitchen with plenty of white cabi-nets and a good sized eating area. Large master bedroom with double closets and a 2 piece ensuite. Basement has a large rec room with a corner wet bar and a 3 piece bath. Large mature back yard with an oversized double detached garage. $389,900 MLS# C3547468

Panorama Hills Condo

This top fl oor corner unit is privately situated at the northern edge of the complex with a wrap-around balcony that offers spectacular views. Open and functional fl oor plan with 9 foot ceilings, a corner gas fi replace, 2 bedrooms and 2 full baths. Kitchen features a window over the sink, maple cabinets, ceramic tile fl oors and a raised breakfast bar. Unit is also pre-wired for a home theatre system. Great location within walking distance to movies, restaurants, shopping, leisure centre, library and public transportation. $264,000

editor’snote

A HOME INSPECTION

The importance of

Buying a home with confidence

MAKES A WORLD OF DIFFERENCE

it was love at first sight. I walked into the home and was instantly smitten with the exposed brick walls, gleaming hardwood and expansive party kitchen.

But the trained eye of my Realtor was turned on other things: Had I noticed the old roof? And what about the knob and tube wiring? The electrical panel was a mess. And then there were the drafty windows…

Knowing what to look for when you buy a home is important. But, let’s face it, most of us aren’t specialists in that area. That’s why consulting with experts is a good idea. And nothing, absolutely nothing, can substitute for a home inspection done by a reputable firm.

A good home inspector is worth his/her weight in gold and will produce a report for you on a potential purchase that is hundreds of pages long and can leave your head spinning.

But having too much information is generally a good thing. I know a couple who, in the midst of a bidding war, decided to forfeit a home inspection, and were extremely shocked to discover the enormous amount of work (and money) that was required in their new house.

Inspectors can get in and out of all of the places we cannot and, with all of the tools at their disposal, can give us a much more realistic view of what we may be about to purchase.

You’ve heard the expression: “an ounce of prevention is worth a pound of cure.” In the case of buying a home, it is certainly the truth.

Janine DrueryEDITOR [email protected] me on Twitter at Twitter.com/JanineDruery

when you tell people you’re shopping for a home, you’ll find most everyone will want to share their own homebuying experience with you. Some will offer you their personal advice and

suggestions, while others will frighten you with details about their disastrous homebuying experience or that of a friend of a friend. With so many variables, it can be hard to figure out what’s necessarily good advice.

It’s always best to get advice from the experts, especially when it comes to purchasing a big-ticket item like a home. No matter what your Uncle Joe says, when you’re equipped with the right expert advice for your situation, you can move forward by making confident purchasing decisions that are right for you and your family.

Much of what you’ll want to know about the road to home ownership is right here in this magazine. If you don’t find what you’re looking for, write to us and we’ll help get you an answer from one of our experts.

Take us along for the ride and let us know how it turns out. Thanks to our website, homeTRADER.ca, you now have even more articles and features than ever to source, so you can be sure your buying experience is a positive one.

Susan LeggeEDITOR-IN-CHIEF, Wall2Wall Media, [email protected]

Follow me on Twitter at Twitter.com/SusanLegge


To View These Properties go to www.robertcote.ca

The ultimate in +40 adult living located on quiet cul-de-sac street close to the Bow River, Pathways and Prince’s Island Park! Absolutely immaculate like new condition located on prime

northwest corner with views of Bow River and Peace Bridge! Fabulous 1536 sf open floor plan with 2 bdrms, 2 baths, lge tile entrance way, lge kitchen, bonus sunroom, balcony with views, gas fireplace, steam shower, jetted tub, large functional laundry room, built-in Murphy Bed and desk, vacuum system, ensuite, walk-in closet and underground titled parking & storage locker. Beautiful amenities include; Front Seating Area w/Fireplace, Social Room, Exercise Room, Steam Room, Library, South Facing Sundeck and carwash bay.

THE LOOKOUT $539,000

Location! Location! Extraordinary southwest corner location with absolutely stunning 11th floor views of the Bow River Valley!! Spacious 2438 sq ft open floor plan with large floor to ceiling windows providing plenty of natural light throughout. You’ll enjoy the 3 balconies with views, 3 gas fireplaces, 2 bedrooms + Den, 2 baths, ensuite with jetted tub, sep laundry room, titled parking & storage, concierge service and Spa Amenities. Nicely finished with hardwood & tile floors, french doors and granite countertops throughout. Outstanding views!!

POINT ON THE BOW - $1,395,000 ABSOLUTELY INCREDIBLE VIEWS!!!

Welcome to “Lacaille Parke Place” an elegantly designed building with a beautiful entrance lobby, security/concierge service and u n d e r g r o u n d carwash bay. This

condo is perfect for that single executive looking to live walking distance to work or to use as a part time residence. Quality construction and finishing is evident throughout all common areas and the unit shows well with granite countertops, stainless steel appliances and tile/carpet flooring. You’ll enjoy the open floor plan, large bright windows, gas fireplace, spacious bedroom, insuite laundry, west balcony and views towards the Bow River and Peace Bridge. 737 sf, 1 Bedroom, 1 Full Bath, Titled Parking Stall and Storage Locker.

LACAILLE PARKE PLACE - $384,900

SOLDSOLD

SOLDSOLD SOLDSOLD

Wishing Everyone a Happy and Safe Holiday Season!

editor’snote

A HOME INSPECTION

The importance of

Buying a home with confidence

MAKES A WORLD OF DIFFERENCE

it was love at first sight. I walked into the home and was instantly smitten with the exposed brick walls, gleaming hardwood and expansive party kitchen.

But the trained eye of my Realtor was turned on other things: Had I noticed the old roof? And what about the knob and tube wiring? The electrical panel was a mess. And then there were the drafty windows…

Knowing what to look for when you buy a home is important. But, let’s face it, most of us aren’t specialists in that area. That’s why consulting with experts is a good idea. And nothing, absolutely nothing, can substitute for a home inspection done by a reputable firm.

A good home inspector is worth his/her weight in gold and will produce a report for you on a potential purchase that is hundreds of pages long and can leave your head spinning.

But having too much information is generally a good thing. I know a couple who, in the midst of a bidding war, decided to forfeit a home inspection, and were extremely shocked to discover the enormous amount of work (and money) that was required in their new house.

Inspectors can get in and out of all of the places we cannot and, with all of the tools at their disposal, can give us a much more realistic view of what we may be about to purchase.

You’ve heard the expression: “an ounce of prevention is worth a pound of cure.” In the case of buying a home, it is certainly the truth.

Janine DrueryEDITOR [email protected] me on Twitter at Twitter.com/JanineDruery

when you tell people you’re shopping for a home, you’ll find most everyone will want to share their own homebuying experience with you. Some will offer you their personal advice and

suggestions, while others will frighten you with details about their disastrous homebuying experience or that of a friend of a friend. With so many variables, it can be hard to figure out what’s necessarily good advice.

It’s always best to get advice from the experts, especially when it comes to purchasing a big-ticket item like a home. No matter what your Uncle Joe says, when you’re equipped with the right expert advice for your situation, you can move forward by making confident purchasing decisions that are right for you and your family.

Much of what you’ll want to know about the road to home ownership is right here in this magazine. If you don’t find what you’re looking for, write to us and we’ll help get you an answer from one of our experts.

Take us along for the ride and let us know how it turns out. Thanks to our website, homeTRADER.ca, you now have even more articles and features than ever to source, so you can be sure your buying experience is a positive one.

Susan LeggeEDITOR-IN-CHIEF, Wall2Wall Media, [email protected]

Follow me on Twitter at Twitter.com/SusanLegge

To View These Properties go to www.robertcote.ca

The ultimate in +40 adult living located on quiet cul-de-sac street close to the Bow River, Pathways and Prince’s Island Park! Absolutely immaculate like new condition located on prime

northwest corner with views of Bow River and Peace Bridge! Fabulous 1536 sf open floor plan with 2 bdrms, 2 baths, lge tile entrance way, lge kitchen, bonus sunroom, balcony with views, gas fireplace, steam shower, jetted tub, large functional laundry room, built-in Murphy Bed and desk, vacuum system, ensuite, walk-in closet and underground titled parking & storage locker. Beautiful amenities include; Front Seating Area w/Fireplace, Social Room, Exercise Room, Steam Room, Library, South Facing Sundeck and carwash bay.

THE LOOKOUT $539,000

Location! Location! Extraordinary southwest corner location with absolutely stunning 11th floor views of the Bow River Valley!! Spacious 2438 sq ft open floor plan with large floor to ceiling windows providing plenty of natural light throughout. You’ll enjoy the 3 balconies with views, 3 gas fireplaces, 2 bedrooms + Den, 2 baths, ensuite with jetted tub, sep laundry room, titled parking & storage, concierge service and Spa Amenities. Nicely finished with hardwood & tile floors, french doors and granite countertops throughout. Outstanding views!!

POINT ON THE BOW - $1,395,000 ABSOLUTELY INCREDIBLE VIEWS!!!

Welcome to “Lacaille Parke Place” an elegantly designed building with a beautiful entrance lobby, security/concierge service and u n d e r g r o u n d carwash bay. This

condo is perfect for that single executive looking to live walking distance to work or to use as a part time residence. Quality construction and finishing is evident throughout all common areas and the unit shows well with granite countertops, stainless steel appliances and tile/carpet flooring. You’ll enjoy the open floor plan, large bright windows, gas fireplace, spacious bedroom, insuite laundry, west balcony and views towards the Bow River and Peace Bridge. 737 sf, 1 Bedroom, 1 Full Bath, Titled Parking Stall and Storage Locker.

LACAILLE PARKE PLACE - $384,900

SOLDSOLD

SOLDSOLD SOLDSOLD

Wishing Everyone a Happy and Safe Holiday Season!

tipsandtricks

Post-holiday clean-up is not as fun as decorating, but it is important to properly store holiday decorations to ensure they are around for many years to come. If you’re not sure where to start, Canadian Tire

offers the following post-holiday organization tips to get you ready for next year:

›› Wrap ornaments individually to avoid breakage or use an ornament storage box.

›› If you have to store an artificial tree, use a storage bag or bin that’s large enough to keep all the pieces together for easy assembly next year.

›› Clearly label boxes and storage bags with your holiday items so that you can find all your favourite decorations easily next year.

›› Place leftover rolls of wrapping paper in a tall laundry hamper or garment bag.

›› Use a garden hose reel or lights kit storage to keep lights from getting tangled or broken.

Proper storage of holiday decor will make it that much easier the following year to trim the tree and deck the halls for the season. NC

Five post-Christmas clean-up tips


703-0455Certified Condominium Specialist3rd Generation Calgary Realtor

JAMES COTE

To view these properties go to: www.jamescote.com

HOUSE OF REAL ESTATE

KILLARNEY / GLENGARRY

GREAT LOCATION & NEWLY

RENOVATED!!

$319,900Here’s your chance to own a beautiful condo in an adult only,

concrete building in the sought after community of Killarney. Units rarely come up in this popular and well-run complex. This 2 bedroom, 2 bath second floor unit will impress with new kitchen, new hardwood floors and all rooms completely repainted. The open concept kitchen boasts new cabinets, granite countertops, under cabinet lighting and tasteful tile backsplash...all perfectly accented with brand new stainless steel appliances! Spacious master bedroom with walk-through closet and 4 pce ensuite. A large second bedroom, 3 pce bathroom and in-suite laundry/storage completes the package. Lots of mature trees surround the balcony for a peaceful setting. Comes with 1 underground titled parking stall and 1 storage unit. Building is 1 block from the Killarney Recreation Centre and Swimming Pool. Minutes to downtown & close to amenities, shopping and the new West LRT. This is a great opportunity!...DON’T MISS OUT!!

MARLBOROUGH

EXCELLENT OPPORTUNITY!!

$270,000OPPORTUNITY IS KNOCKING!!! Great value in this nice family home. 3 bedroom bungalow with a 4th bedroom down. Main floor has living room, kitchen,

3 bedrooms, a 4 piece bathroom and an eating nook that leads to patio doors and a front balcony. Lower level has a large family room, a 3 piece bathroom and one of the largest bedrooms in the house with a wood burning fireplace. Basement also includes a big laundry room with sink and a storage area. The well maintained back yard has a deck, a firepit and RV parking. An oversized double detached garage with a paved back lane complete the package. This home is in good shape, has great “curb appeal” and is “move in” ready. Put this one on your list and call to view, as this home will sell quickly! Appliances sold in “as is” condition.

KILLARNEY/GLENGARRY

URBAN CHIC CONDO!

$349,900AMAZING LOCATION!!...and 2 HEATED UNDERGROUND TITLED

PARKING STALLS!! Urban Chic condo with sleek, modern contemporary finishings. Walk in and be knocked out by the bright open space of this well layed out 2 bedroom home. The stunning kitchen boasts granite counter tops, stainless steel appliances, full height cabinetry and tile backsplash. Spacious living room with a huge picture window floods the room with light. Large Master Bedroom with a beautiful 4 pce. ensuite bathroom and a double sided walk-through closet. A good sized second bedroom, in-suite laundry, another beautiful 4 pce. bathroom complete the package. Right across from a huge park and the Killarney Pool & Rec Centre. Also close to shopping, 17th Ave, the new West LRT and only minutes to downtown. This west facing unit is in “mint condition” and is vacant for a quick possession. Nothing to do, but move in and start enjoying your new life! Be sure to put this one on your list...it’s a “MUST SEE”!!

FIRST

300VEHICLES

PARK FREE!ALL THREE DAYS!

With a new year revving up, homeowners start their annual ‘first of the year’ search for new home products and ideas, and know that it’s important to ‘get crackin’ on it to get the products and contractors they need, when they need them.

And that’s what HOMEXPO delivers! Suppliers, contractors and builders, all under one roof for three days. And FREE PARKING for the first 300 cars!

Kitchen and Bath renovator, John Sillaots is making his annual return to answer the neverending questions about the most important areas of the home – the kitchen and the bathroom!

The firstconsumer

home showof the year!

JANUARY 11 - 13, 2013BMO CENTRE, STAMPEDE PARK

HOURS Friday Noon - 9:00pm Saturday 10am - 8:00pm Sunday 10am - 5pm

ADMISSION Adults (18+) $12 Seniors/Youth $10 Children (12 and under) FREE

John SillaotsKitchen and bath specialist

7:30pm FRIDAYSATURDAY 1:30pm

Don’t miss our live presentationstage featuring designer andstar of ‘Love It or List It’on the W Network,

MsHilary Farr

tipsandtricks

Post-holiday clean-up is not as fun as decorating, but it is important to properly store holiday decorations to ensure they are around for many years to come. If you’re not sure where to start, Canadian Tire

offers the following post-holiday organization tips to get you ready for next year:

›› Wrap ornaments individually to avoid breakage or use an ornament storage box.

›› If you have to store an artificial tree, use a storage bag or bin that’s large enough to keep all the pieces together for easy assembly next year.

›› Clearly label boxes and storage bags with your holiday items so that you can find all your favourite decorations easily next year.

›› Place leftover rolls of wrapping paper in a tall laundry hamper or garment bag.

›› Use a garden hose reel or lights kit storage to keep lights from getting tangled or broken.

Proper storage of holiday decor will make it that much easier the following year to trim the tree and deck the halls for the season. NC

Five post-Christmas clean-up tips

FIRST

300VEHICLES

PARK FREE!ALL THREE DAYS!

With a new year revving up, homeowners start their annual ‘first of the year’ search for new home products and ideas, and know that it’s important to ‘get crackin’ on it to get the products and contractors they need, when they need them.

And that’s what HOMEXPO delivers! Suppliers, contractors and builders, all under one roof for three days. And FREE PARKING for the first 300 cars!

Kitchen and Bath renovator, John Sillaots is making his annual return to answer the neverending questions about the most important areas of the home – the kitchen and the bathroom!

The firstconsumer

home showof the year!

JANUARY 11 - 13, 2013BMO CENTRE, STAMPEDE PARK

HOURS Friday Noon - 9:00pm Saturday 10am - 8:00pm Sunday 10am - 5pm

ADMISSION Adults (18+) $12 Seniors/Youth $10 Children (12 and under) FREE

John SillaotsKitchen and bath specialist

7:30pm FRIDAYSATURDAY 1:30pm

Don’t miss our live presentationstage featuring designer andstar of ‘Love It or List It’on the W Network,

MsHilary Farr



Arbour Lake ........................................443Banff Trail .............................................415Beddington ..........................................508Bowness ...............................................478Brentwood ...........................................420Briar Hill ..............................................408Bridgeland ...........................................400Cambrian Heights ..............................496Capitol Hill ..........................................414Charleswood .......................................419Citadel .................................................475Collingwood ........................................418Country Hills .......................................516Country Hills Village ...........................521Coventry Hills .....................................520Crescent Heights ................................404Dalhousie ............................................422Edgemont ............................................461Evanston ..............................................519Greenview ...........................................503Greenwood Village .............................479

Hamptons ...........................................471Hanson Ranch ....................................517Harvest Hills .......................................514Hawkwood ..........................................451Hidden Valley ......................................518Highland Park .....................................498Highwood ...........................................499Hillhurst ..............................................407Huntington Hills .................................505Kincora ................................................524Lynx Ridge ...........................................488Macewan Glen ....................................512Montgomery .......................................476Mount Pleasant ...................................494Mountview ..........................................490North Haven .......................................500Panorama Hills ....................................515Parkdale ...............................................411Point Mckay .........................................412Ranchlands ..........................................441Ranchlands Estates .............................442

Regal Terrace/Renfrew ........................402Rocky Ridge ........................................484Rosedale ..............................................406Rosemont ............................................495Royal Oak ............................................486Sandstone ............................................510Scenic Acres ........................................432Silver Springs ......................................430St. Andrews Heights ...........................413Sunnyside ............................................405Symons Valley ......................................477Thorncliffe ...........................................502Tuscany ................................................482Tuxedo..................................................492University Heights ..............................416Upper North Haven ...........................501Valley Ridge .........................................480Varsity Acres ........................................426Varsity Estates .....................................428Varsity Village ......................................424West Hillhurst .....................................410

zoneCOMMUNIT IES & MLS NUMBERS

MountviewMount

PleasantTuxedo

HighlandPark

CambrianHts

Collingwood

Charleswood

Brentwood

Nose Hill Park

Huntington Hills

Beddington

HarvestHills

CountryHills

McEwanGlen

RanchlandEstates

RoyalOak

RockyRidge

Tuscany

ScenicAcres

SilverSprings

VarsityEstates

VarsityAcres

Varsity Village

UniversityHts

St. AndrewHts Briar Hill

Hillhurst SunnysideBridgeland

Rosedale CrescentHts

RegalTerr/Renfrew

West Hillhurst

Montgomery

Parkdale

BownessTRANSCANADA HIGHWAY

STON

EYTR

AIL

CROW CHILD TRAIL

ValleyRidge

Ranchland

Dalhousie

CountryHills Village

Coventry HillsPanorama Hills

Hidden Valley

Kincora

EvanstonSimons Valley

Sandstone

Edgemont

HamptonCitadel

HawkwoodArbour Lake

Highwood

NorthHaven

Thorncliffe

Capitol HillBanffTrail

Greenview

DEER

FOOT

TRA

IL


Arbour Lake ........................................443Banff Trail .............................................415Beddington ..........................................508Bowness ...............................................478Brentwood ...........................................420Briar Hill ..............................................408Bridgeland ...........................................400Cambrian Heights ..............................496Capitol Hill ..........................................414Charleswood .......................................419Citadel .................................................475Collingwood ........................................418Country Hills .......................................516Country Hills Village ...........................521Coventry Hills .....................................520Crescent Heights ................................404Dalhousie ............................................422Edgemont ............................................461Evanston ..............................................519Greenview ...........................................503Greenwood Village .............................479

Hamptons ...........................................471Hanson Ranch ....................................517Harvest Hills .......................................514Hawkwood ..........................................451Hidden Valley ......................................518Highland Park .....................................498Highwood ...........................................499Hillhurst ..............................................407Huntington Hills .................................505Kincora ................................................524Lynx Ridge ...........................................488Macewan Glen ....................................512Montgomery .......................................476Mount Pleasant ...................................494Mountview ..........................................490North Haven .......................................500Panorama Hills ....................................515Parkdale ...............................................411Point Mckay .........................................412Ranchlands ..........................................441Ranchlands Estates .............................442

Regal Terrace/Renfrew ........................402Rocky Ridge ........................................484Rosedale ..............................................406Rosemont ............................................495Royal Oak ............................................486Sandstone ............................................510Scenic Acres ........................................432Silver Springs ......................................430St. Andrews Heights ...........................413Sunnyside ............................................405Symons Valley ......................................477Thorncliffe ...........................................502Tuscany ................................................482Tuxedo..................................................492University Heights ..............................416Upper North Haven ...........................501Valley Ridge .........................................480Varsity Acres ........................................426Varsity Estates .....................................428Varsity Village ......................................424West Hillhurst .....................................410


MountviewMount

PleasantTuxedo

HighlandPark

CambrianHts

Collingwood

Charleswood

Brentwood

Nose Hill Park

Huntington Hills

Beddington

HarvestHills

CountryHills

McEwanGlen

RanchlandEstates

RoyalOak

RockyRidge

Tuscany

ScenicAcres

SilverSprings

VarsityEstates

VarsityAcres

Varsity Village

UniversityHts

St. AndrewHts Briar Hill

Hillhurst SunnysideBridgeland

Rosedale CrescentHts

RegalTerr/Renfrew

West Hillhurst

Montgomery

Parkdale

BownessTRANSCANADA HIGHWAY

STON

EYTR

AIL

CROW CHILD TRAIL

ValleyRidge

Ranchland

Dalhousie

CountryHills Village

Coventry HillsPanorama Hills

Hidden Valley

Kincora

EvanstonSimons Valley

Sandstone

Edgemont

HamptonCitadel

HawkwoodArbour Lake

Highwood

NorthHaven

Thorncliffe

Capitol HillBanffTrail

Greenview

DEER

FOOT

TRA

IL

Rahim (R.D.) Dhanji

[email protected] i .com

Remax HouseIndependently Owned & Operated

“Exceptional Service,Outstanding Results”

Remax HouseRemax House

2 Bedroom, 2 Bathroom, 936 Square Feet• Master bedroom comes with walk-• through closet and a 4 piece ensuite bathroomThe kitchen has plenty of cupboard space • and all the appliances are includedThe unit also comes with in-suite laundry • (washer & dryer included) Brand new laminate flooring. Convenient • first floor location. Quick possession available.Close to all sorts of amenities such as • Schools, Shopping, Restaurants, Grocery Stores, Transportation, Cardel Place, library, Movie Theater, & much more.

Country Hills Village$219,900

837-8789(403)

2 bedroom, 2 bathroom with underground • parkingOver 1000 sq.ft of living space on 6th • floor. Adult only building. Built in 2008.Luxuries include air conditioning, in-suite • laundry (washer & dryer included), glass balcony with a gas hookup for BBQ, 9 foot ceilings, granite countertops, & much moreCommon Recreational room includes: • Exercise Room, Hot Tub, Sauna, Theatre, & a Games RoomClose to Shopping, Restaurants, • Grocery stores, LRT is just steps away, Saddledome, Talisman Centre, 17th Avenue (Red Mile), and much more.

Victoria Park$389,900

Altadore$1,199,900

downtown views, living room with a private deck, walk-in closet & shoe closet, 5 piece ensuite with a tiled shower (steam, body sprays, & 2 shower heads), jetted tub, & in-floor heating

Luxuries include: Home automation, • glass railings, high end hardwood floors, skylights, air conditioning, upstairs laundry with sink, fully insulated double garage, & much moreFully finished basement includes a huge • recreational room, wet bar, bedroom, bathroom, & in-floor heatingBuilt by Prominent Homes Master Builder•

Brand New 3 storey infill, with over 4000 • square feet of living spaceHuge gourmet kitchen comes with a gas • stove, built-in wall oven & microwave, dishwasher, and decorative hoodfan with slam-free high end cabinetryQuartz countertops in the kitchen, all • bathrooms, Bar, & laundry roomEntire 3rd level is the master floor which • includes a huge bedroom with

Ken YeohBroker/Owner

FREE Quick OnLine Home Evaluation

HOT NEW LISTINGSUpdated Every Hour!View addresses,days on market, mapping etc.

www.mapleleafrealty.ca

Best priced 2 storey home • 3-car attached garage & central A/C • Total of 4 bedrooms & 2.5 baths • Main floor den, laundry & 2-pc bath • Large kitchen with island, pantry & nook • Fireplace in bright family room • Large master with walk-in closet & 4-pc ensuite • Enjoy your BBQ in sunny south backyard • Walk to golf course, school & shops•

Alteration services by professioanl seamtress • 26 years of experience • Owner retiring/moving out of town • Selling existing stocks • Wedding, grad dresses & accessories • Minimum discount of 50% off • Ideal for family business • May provide training to potential buyer•

Super bright condo with in-floor heating • Direct access to suite from spacious patio • Spent over $25K of upgrades • In-suite laundry & stainless steel appliances • Granite counter tops with tile backsplash • Maple cabinets & ceramic tile flooring • Hunter Douglas custom window coverings • Walking distance to D/T & close to all amenities • Shows pride of ownership•

Magnificent 2 storey home • Backing onto ravine & pond • Formal living/dining room • Large family room & den • Sunny kitchen with island & pantry • Full size Dura deck with glass railings • Huge master w/jetted tub & shower • Developed walk-out basement • Fully landscaped w/underground sprinkler system•

Gorgeous custom built classic home• Huge corner walk-out lot & quiet street• High end Italian gloss tiles• Large kitchen with breakfast bar• Imported blue pearl granite countertops• Great room with 18ft ceilings & fireplace• Main floor den & laundry room• Bright bonus room with vaulted ceiling• Master with valley views & 6-pc ensuite•

CALGARY SOUTH

HAMPTONS

BRIDGELAND

$6

80

,00

0$6

5,0

00

$5

49

,00

0

$8

55

,00

0$2

65

,00

0

SOLD

SOLD SOLD

Happy New Year!

EDGEMONT ASPEN WOODS

403.803.8981 www.mapleleafrealty .ca


Recent mortgage rule changes from the federal government make it more challenging for people to buy investment properties, but if you have the cash and know what you’re doing, opportunities await.

Buying an investment property is different than buying a primary residence, and it’s about more than down payment requirements.

Rule number one when you’re setting out as an investor is to take a long-term view with an emphasis on generating positive cash flow. Your strategy should be to buy, hold and rent the property to generate income over and above your mortgage costs, while building equity over time.

Achieving positive cash flow means renting out the property for more than the monthly costs. But once you include condo fees, taxes, insurance, property management fees, maintenance and advertising, the financial picture can look different. If you can generate positive cash flow, the benefits are three-fold: you

pocket the surplus; you build long-term equity while someone else pays down your mortgage; and when you go to sell, you gain from any value appreciation in the property.

With the federal government’s changes to mortgage rules, as of April 19 buyers need a minimum 20-per-cent down payment for investment properties. On the plus side, you have to borrow less and your monthly payments are lower. For example, if you buy a condo for $200,000 and put down 20 per cent, or $40,000, your basic mortgage amount would be $160,000. At an annual interest rate of 5.25 per cent over a 30-year amortization, your monthly mortgage payment is $878.

As an investor/landlord, you will want to pay attention to vacancy rates, which Canada Mortgage and Housing Corp. (CMHC) summarizes, along with average rents, in its twice-annual rental market reports. An increasing rate means rental supply is growing and renters have more to choose from, and you, as a landlord, may have trouble renting out your property or increasing the rent. Declining vacancy rates are music to your ears, because that means supply is tightening and your property may be in higher demand.

A vacancy rate between two and three per cent is generally considered a balanced market, meaning supply of rentals is appropriate for the demand. Anything below that level is ideal.

Like real estate prices, rental markets vary between specific areas, or even streets. It’s necessary to do your

research to determine which areas have a tight supply. Look for areas with strong economic fundamentals: job growth, population influx, average income growth and increasing property purchase prices.

Other influences in value appreciation are proximity to mass transit, shopping, schools and amenities. Ultimately, you want a property that appeals to potential owners, not just renters, because if you can’t sell it to someone else one day, you won’t be able to take advantage of any increase in value.

How to set the “right” rent – high enough to yield positive cash flow, but not so high you price yourself out of the rental market for the area? First, find out what comparable units in the area rent for by checking sources where landlords advertise. You can also check provincial rent registry databases, along with CMHC’s rental market reports.

Downtown properties might be your first choice as a location for an investment condo. The location no doubt appeals to a lot of renters, but it’s also where average prices are higher and therefore less affordable than out of the city core. This makes achieving positive cash flow more difficult, because you might not be able to rent out your unit for what you need to cover your mortgage and expenses. You might have better luck buying in some of the outlying areas, where, due to transportation improvements, tenants can live but work downtown and still have a reasonable commute.

Thinking of buying anInvestment property?

hottopic

B Y W A Y n e K A R L

(403) 243-1755www.davidsetter.com

DAVID SETTERREAL ESTATE TEAM

Excellent location! This lovely home is located on a large pie lot backing directly onto a private green space on a quiet kid friedly street. Open concept mainfloor includes: spacious front entry, living room/greatroom, gas fireplace, kitchen island with eating area and breakfast nook, patio doors leading onto two tiered rear deck. The 2nd floor includes: a light filled bonus room over the garage with vaulted ceilings and large windows, 2 spacious bedrooms and a master suite with a large ensuite bathroom and walk-in closet. Hurry, locations like this are very hard to find.

2.37 Acres of PRIME Development Land WITHIN CITY LIMITS, ready to develop now or in the future. This subdivideable lot currently has a raised bungalow. This well maintained home has 3 bedrooms and a fully developed walkout lower level with family room, recreation room. Ideal home to live in while you build your dream home on a portion of this acreage. Please contact us for all of the details.

This home is simply amazing with extreme attention to detail. Some of the numerous upgrades in this home include beautiful ceramic tile floors, vaulted ceilings, ornamental niche’s, rod iron railing and a custom kitchen that is sure to please. In the Great Room a built in wall unit filled with shelves and cabinets surrounds one of two gas fireplaces in the home. The master bedroom is a peaceful retreat with a five pc. ensuite including jetted tub. you will love the convenience of the main floor laundry room with built in cabinetry and appreciate the office with lots of natural light. Downstairs the developed basement hosts a second bedroom, 4pc bathroom, and a storage/work room that could be developed into a 3rd bedroom.

Fabulous executive home custom built by Dreamwest Homes. Terrific location on Large 971 m2 pie lot in quiet cul-de-sac close to sheep river walking trails and easy access to Calgary. This is a “SMART” home with remote control access in almost every room - watch movies or listen to music throughout the house(drop down big screen and all components included). Stunning brazillian cherry hardwood in main floor greatroom, custom tile, spacious gourmet kitchen with breakfast bar and large kitchen breakfast nook.

COVENTRY HILLS$437,000

SPRINGBANK HILL$1,299,000

THORNBURN - AIRDRIE $589,000

SHEEP RIVER - OKOTOKS $465,000

REDUCED


Because a Great Experience Begins with a Great Agent.


4.75 Acres of PRIME Development Land WITHIN CITY LIMITS, ready to develop now or in the future. This subdivide able lot currently has a large Bungalow with sunroom, fully developed basement, and an oversized detached double garage. This is 1 of 3 parcels located side by side. Call today for all of the details.


4.75 Acres of PRIME Development Land WITHIN CITY LIMITS, ready to develop now or in the future. This subdivide able lot currently has a large 2 Storey home with a walk out basement, triple garage, and 2 barns. This is 1 of 3 parcels located side by side. Call today for all of the details.






Recent mortgage rule changes from the federal government make it more challenging for people to buy investment properties, but if you have the cash and know what you’re doing, opportunities await.

Buying an investment property is different than buying a primary residence, and it’s about more than down payment requirements.

Rule number one when you’re setting out as an investor is to take a long-term view with an emphasis on generating positive cash flow. Your strategy should be to buy, hold and rent the property to generate income over and above your mortgage costs, while building equity over time.

Achieving positive cash flow means renting out the property for more than the monthly costs. But once you include condo fees, taxes, insurance, property management fees, maintenance and advertising, the financial picture can look different. If you can generate positive cash flow, the benefits are three-fold: you

pocket the surplus; you build long-term equity while someone else pays down your mortgage; and when you go to sell, you gain from any value appreciation in the property.

With the federal government’s changes to mortgage rules, as of April 19 buyers need a minimum 20-per-cent down payment for investment properties. On the plus side, you have to borrow less and your monthly payments are lower. For example, if you buy a condo for $200,000 and put down 20 per cent, or $40,000, your basic mortgage amount would be $160,000. At an annual interest rate of 5.25 per cent over a 30-year amortization, your monthly mortgage payment is $878.

As an investor/landlord, you will want to pay attention to vacancy rates, which Canada Mortgage and Housing Corp. (CMHC) summarizes, along with average rents, in its twice-annual rental market reports. An increasing rate means rental supply is growing and renters have more to choose from, and you, as a landlord, may have trouble renting out your property or increasing the rent. Declining vacancy rates are music to your ears, because that means supply is tightening and your property may be in higher demand.

A vacancy rate between two and three per cent is generally considered a balanced market, meaning supply of rentals is appropriate for the demand. Anything below that level is ideal.

Like real estate prices, rental markets vary between specific areas, or even streets. It’s necessary to do your

research to determine which areas have a tight supply. Look for areas with strong economic fundamentals: job growth, population influx, average income growth and increasing property purchase prices.

Other influences in value appreciation are proximity to mass transit, shopping, schools and amenities. Ultimately, you want a property that appeals to potential owners, not just renters, because if you can’t sell it to someone else one day, you won’t be able to take advantage of any increase in value.

How to set the “right” rent – high enough to yield positive cash flow, but not so high you price yourself out of the rental market for the area? First, find out what comparable units in the area rent for by checking sources where landlords advertise. You can also check provincial rent registry databases, along with CMHC’s rental market reports.

Downtown properties might be your first choice as a location for an investment condo. The location no doubt appeals to a lot of renters, but it’s also where average prices are higher and therefore less affordable than out of the city core. This makes achieving positive cash flow more difficult, because you might not be able to rent out your unit for what you need to cover your mortgage and expenses. You might have better luck buying in some of the outlying areas, where, due to transportation improvements, tenants can live but work downtown and still have a reasonable commute.

Thinking of buying anInvestment property?

hottopic

B Y W A Y n e K A R L


DAVID SETTERREAL ESTATE TEAM

Excellent location! This lovely home is located on a large pie lot backing directly onto a private green space on a quiet kid friedly street. Open concept mainfloor includes: spacious front entry, living room/greatroom, gas fireplace, kitchen island with eating area and breakfast nook, patio doors leading onto two tiered rear deck. The 2nd floor includes: a light filled bonus room over the garage with vaulted ceilings and large windows, 2 spacious bedrooms and a master suite with a large ensuite bathroom and walk-in closet. Hurry, locations like this are very hard to find.


This home is simply amazing with extreme attention to detail. Some of the numerous upgrades in this home include beautiful ceramic tile floors, vaulted ceilings, ornamental niche’s, rod iron railing and a custom kitchen that is sure to please. In the Great Room a built in wall unit filled with shelves and cabinets surrounds one of two gas fireplaces in the home. The master bedroom is a peaceful retreat with a five pc. ensuite including jetted tub. you will love the convenience of the main floor laundry room with built in cabinetry and appreciate the office with lots of natural light. Downstairs the developed basement hosts a second bedroom, 4pc bathroom, and a storage/work room that could be developed into a 3rd bedroom.


COVENTRY HILLS$437,000


THORNBURN - AIRDRIE $589,000


REDUCED


Because a Great Experience Begins with a Great Agent.


4.75 Acres of PRIME Development Land WITHIN CITY LIMITS, ready to develop now or in the future. This subdivide able lot currently has a large Bungalow with sunroom, fully developed basement, and an oversized detached double garage. This is 1 of 3 parcels located side by side. Call today for all of the details.


4.75 Acres of PRIME Development Land WITHIN CITY LIMITS, ready to develop now or in the future. This subdivide able lot currently has a large 2 Storey home with a walk out basement, triple garage, and 2 barns. This is 1 of 3 parcels located side by side. Call today for all of the details.






Abbeydale ............................................664Albert Park ...........................................730Applewood ..........................................768Calgary International Airport ............624Castleridge ..........................................676Castleridge Estates .............................678Coral Springs ......................................688Deerfoot/Skyline Ind Park ..................615Dover ...................................................738Dover Glen ..........................................736Eastfi eld ..............................................748Erin Woods ..........................................740Falconridge ..........................................680Fonda ...................................................726

Forest Heights .....................................762Forest Lawn .........................................764Franklin/Meridian Ind Park ................630Horizon Industrial Park ......................640Marlborough .......................................660Marlborough Park ...............................662Martindale ...........................................682Mayland Heights ................................600Mayland Heights East ........................604Mccall/Airways Ind Park ....................610Monterey Park .....................................670Parkridge Estates .................................671Penbrooke............................................766Pineridge .............................................668

Radisson Heights ................................728Red Carpet/Mountview Mhp .............770Rundle .................................................666Saddle Ridge .......................................645Southview............................................732Valleyfi eld ...........................................744Vista Heights .......................................605West Dover ..........................................734Whitehorn ...........................................672Stoney Industrial.................................625Sunridge Industrial Park ....................635Taradale ...............................................684Temple .................................................674

zone

Dover

Southview

ForestLawn

AlbertPark

Penbrooke

MaylandHeights

Franklin Ind. Park/Meridian Ind. Park

RadissonHts

MarlboroughPark

Marlborough

MontereyPark

Pineridge

Temple

Applewood

Abbeydale

WestDover

ErinWoods

DoverGlen

EastfieldValleyfield

16 AVE.DE

ER FO

OT T

RAIL

Fonda ForestHts

WhitehornHorizonInd. Park

McCallInd. Park

VistaHeights

SunridgeInd. Park

Rundle

Falconridge

Castleridge

TaradaleMartindale

Saddle RidgeWestwinds

CalgaryInternational Airport

CoralSprings

COMMUNIT IES & MLS NUMBERS

Foreclosures: Free list oF Distress sales

go to:www.calgaryHomeFind.com

Call 403-278-6041 now

Ron ClappisonRealtor

RE/MAX HousE of REAl EstAtE Independently owned and operated.

Hot New ListiNgsgo to:

www.CalgaryBuyer.com

www.ronclappison.com

Call 403-278-6041 now

Ron ClappisonRealtor

RE/MAX HousE of REAl EstAtE Independently owned and operated.

CALL 403-278-6041 NOW

VIEW HOMES BACKING ONTO PARKS,

GREEN SPACES AND WATER

go to:

www.RonClappison.com

www.ronclappison.com

4565287_20

cranston$363,000

loCation! loCation! loCation!

UniQUE Bi-lEVEl in QUiEt CiRClE

✓ 3 Bedroom, 3 Bath 2 Storey

✓ Hardwood floors✓ Across from Park and

Playground area✓ Fireplace

opens to both Dining and Great Rooms

Call Ron 403.278.6041

✓ 3 Bath 3 Bedroom ✓ Newer SS appliances✓ Excellent layout✓ Extra Large third

bedroom down✓ Central Air

Conditioning

Call Ron 403.278.6041

Deer run $369,900

SAVE THOUSANDS IN REAL ESTATE FEES LISTING FEE AS LOW AS… $1295

DORY CAMERON

How it works: I list your home on MLS® for only $995. The buyer’s real estate agent is then offered a commission, typically 3.5% of the first $100,000 + 1.5% of the balance. So if your home sells for $350,000 you save over $6,000 in real estate fees! If your home sells for $450,000, you save $8,000 and you save $10,000 if your home sells for $650,000! Compare this to a “7% + 3%” commission - you literally save thousands of dollars! All fees are paid from sale proceeds of your home - no fees up-front! Then, let me find your next perfect home! Selling only? My fee is 1% so you literally still save thousands $$$! Call today for details – as almost all homeowners will qualify to save, there may be a few conditions that could apply in your situation. This flyer is not intended to solicit listings currently listed with other realtors. Fees subject to GST.

403.807.7193 [email protected]

WWW.CAMERONDISCOUNTREALTY.COM

FRI CCS PROFESSIONAL REALTOR® & BROKER/OWNER

PANORAMIC RIVER VALLEY VIEWS! - $829,900

STUNNING EXECUTIVE BUNGALOW!

BEAUTIFULLY RENOVATED

AMAZING VALUEBUNGALOW WITH TWO GARAGES!MINT CONDITION

• Copper apron sink • Slate floors.

• Designer features • Granite counters• Tin ceilings, olive wood hardwood flooring

• 232 Silver Crest Drive NW• Completely renovated 4-level split

• Gorgeous south pie lot backing onto green space

• Hardwood, granite, gas stove• Lovely pie lot.

• Spacious & bright bungalow• New kitchen & Baths• All new qualify flooring

• Neutral tones – mint• Condition – move in today!

• Hardwood & stainless• 1,162 sq ft 3 level split• 24 x 24 double

detached garage

• 3 bedrooms 2 baths• Updated white kitchen• Fully finished basement

• Gorgeous wood-burning brick fireplace.

• 3 + 1 bdrms, 2 ½ baths

• Double attached garage & double detached garage

• Quick walk to LRT & Crowfoot shopping!

• Gorgeous coffee-toned hardwood • Stainless steel appliances

• Dark walnut-finish cabinetry • Huge sunny west back yard!

SOLD

SOLDSOLDSOLD

PANORAMA HILLS $544,900

MARLBOROUGH $314,900

CEDARBRAE STARTER $329,900SILVER SPRINGS $399,900 CRANSTON $419,900

PARKDALE

BEARSPAW

$699,000

BEST RIVER FACING LOT LOCATION IN PARKDALE

$1,495,000 VERY PRIVATE AND QUIET 8 ACRE LOT!

Are you looking to DOUBLE YOUR INVESTMENT in 10 years? RIVER FRONT VIEW and pathways right out your front door!!!!! Directly facing a quiet park and located on the most serine, quite street Parkdale has to offer. It will never be an option to build in front of this home! This extremely RARE FIND is LOCATED DIRECTLY in the “Golden Triangle” on the RARE RIVER SIDE of Memorial. Walking distance to the famous Lazy Loaf, River Side Club, Foothills Hospital and cycling/Walking distance to Downtown!!! This home is a must see and a absolute one of a kind location! If location is on your wish list for your growing family or your next big investment, you have found a hidden gem with huge investment potential!! Call me for a private viewing before its SOLD!!

Rarely is there ever a property for sale in this part of Bearspaw! Situated on a very private and quiet 8 acres with huge potential for subdevision or expantion. This home features reclaimed hardwood fl oors throughout with attention to detail that is exquisite! Who would have thought it would be possible to leave the city, drive only 10 minuates, and arrive at such serine luxury! If you have been looking to move out of the city, or for a possible upgade this home is a must see! It is truly uniqe, rare and must been seen!!

Gord Fowler Melissa Fowler

Recreation Facilities Okotoks$469,000IN FLOOR HEATING

Walkout Class with Elegance!Sienna Hills

$539,000STUNNING BACK YARD!

Close proximity to downtownand new C-Train

SOLDin JUST 1 DAY !

Bearspaw$1,790,000ENDLESS LUXURIES!

Panoramic Mountain Views

SOLDin JUST 1 DAY !

Arbour Lake$998,000LAKE VIEW & ACCESS

Bright and Open Bunglow

SOLDin JUST 4 DAYS !

TOP REALTOR GORD FOWLER BACK IN CALGARY

FOR IMMEDIATE RELEASE - Calgary, AB- Realtor® Gord Fowler announces plans for a long awaited homecoming to the Calgary Real Estate market within the upcoming weeks. Joining Fowler in this endeavor will be his daughter, Melissa, a 12 year veteran of the business.

The two will be operating under the name Fowler Team at the RE/MAX IREALTY Innovations brokerage. Both are eager to return their expertise to their clients in the Calgary market, and anticipate a successful endeavor with RE/MAX IREALTY Innovations.

An unprecedented concept in the market, RE/MAX IREALTY Innovations is truly changing the face of real estate. As the market is constantly evolving, so are the clients. Gord Fowler and RE/MAX IREALTY Innovations believe they are enabling such changes to bring clients a real estate experience like no other. The focus will now be primarily on paperless, online transactions and social media marketing, therefore offering a greener approach to real estate.

The Calgary market is no new undertaking for Fowler. Prior to joining forces with wife Lisa Salt to create the Salt Fowler Real Estate Team in Vernon BC, he maintained an extremely successful 17 year real estate practice in Calgary. Fowler attributes his unassailable achievements in the industry to his competitive spirit and unmatched drive, a personal quality that has enabled success both in real estate and on the sports fi eld, whether it be hockey, golf, or competitive clay target shooting. Along with over a generation’s worth of experience, Melissa brings a powerful sales background to the table, as well as her unparalleled personal dedication to clientele. The combinations of strengths that both generations of Fowlers have to offer will undoubtedly bring a thrilling and innovating change to the Calgary Real Estate Market.

For more information, please contact the Fowler Team at RE/MAX IREALTY Innovations at 403-266-9225.


BEARSPAW $1,495,000

BEARSPAW $1,495,000

BEARSPAW $1,495,000

BEARSPAW $1,495,000

VERY PRIVATE AND QUIET 8 ACRE LOT!




Rarely is there ever a property for sale in this part of Bearspaw! Situated on a very private and quiet 8 acres with huge potential for subdivision or expansion. This home features reclaimed hardwood fl oors throughout with attention to detail that is exquisite! Who would have thought it would be possible to leave the city, drive only 10 minutes, and arrive at such serine luxury! If you have been looking to move out of the city, or for a possible upgrade this home is a must see! It is truly unique, rare and must been seen!!





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Your Home

SOLD in 90 days

or WE BUY IT*

403-287-4888

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CLOSE TO AMENITIES!

Trade Up $589,000 RAMSAY

Loft style attached home in great inner city location. Close to all amenities!

MLS# C3546717


SHOWHOME CONDITION!

Trade Up $774,900TUSCANY

Landmark custom built bungalow with 3 bedrooms, main fl oor den, and 3 baths. Gourmet kitchen, huge granite island with sink, stainless steel appliances

and gas stove. Fully developed lower level with gas fi replace. Close to school and amenities.

MLS# C3538161


CLOSE TO AMENITIES!

Trade Up $619,000ALTADORE

Showhome condition. Gourmet kitchen with s/s appl, con-vection oven w/warming drawer. Gas f/p in great rm, sliding glass drs open to private fenced yard. Vaulted ceilings in lg master with 5pc ensuite. Fully fi nished basement. Home is

a/c with new h/e furnace, tankless instant hot water.MLS# C3545059


NEWLY RENOVATED!

Trade Up $575,000 WOODBINE

Renovated home in showhome condition w/many upgrades. Lg tile entry, vaulted ceilings. Completely redone kitchen w/granite countertops & s/s appl. Copper hood fan, lg island open to great rm with gas f/p & Brazilian

h/w fl rs. Lg master w/5pc ensuite, heated fl oors & his/hers closets. Developed basement with f/p. Landscaped yard w/hot tub and dog run.

MLS# C3545052


CUSTOM BUILT!

$479,900 or $23,995 down OAC*EVANSTON

Brand new 2 storey Landmark showhome. W/o basement, dble attached garage. 3 bdrm,

fl ex rm, bonus, rm, and 3 baths. Patio with o/s deck. Spacious master w/5pc ensuite and

huge walk-in closet. Quiet location. MLS#C3543572


EXCEPTIONAL VALUE!

$280,000 or $14,000 down OAC*RURAL ROCKYVIEW COUNTY

Surrounded by nature yet close to all ame-nities. 10 minutes west of Calgary. Close to golf and shopping. Minutes to Bragg Creek.

Build your dream home!

MLS#C3487025


GREAT LOCATION!

$479,900 or $23,995 down OAC*TUXEDO

Very bright and open plan. Formal living & dining rm w/ dbl sided fp, kitchen w/ eating

bar, lrg eating area, large master w/3pc ensuite & deck w/ views of the city, large family room.

Double attached garage. Lots of potential!.MLS#C3514944

Visit www.calgaryhomesearch.com Visit www.calgaryhomesearch.com

CLOSE TO AMENITIES!

$334,900 or $16,745 down OAC*MCKENZIE LAKE

Well appointed 4 level split. Spacious foyer and large great room overlooking the nook/dining area. Upgrades include

new fl ooring, paint, stainless steel appliances and new carpet. Third level walkout is perfect for extra family/media

room, complete with 2pc bath/laundry room.MLS#C3546624


EXCEPTION VALUE! EXCEPTIONAL VALUE!

$491,000 or $24,550 down OAC* Trade Up $499,900 LANGDON

Executive custom built 2 stry with almost fi nished basement. Triple car garage. Backs onto Boulder Creek Golf Course. 3 bdrms, bonus rm & 3 baths. Open lg eating area & great rm with gas fi replace. 16km from Calgary to Langdon.

SUNSET RIDGEBrand new Landmark home w/ 3 bdrm, 3 baths, & fl ex rm. Bright & open plan. Hardwood thru

out. Spacious master bedroom w/ 5pc ensuite w/ soaker tub, separate shower & w/in closet. Bsmt ready for development. Double attached garage.

MLS#C3538589 MLS#C3543291



GREAT FAMILY HOME!

$429,900 or $21,495 down OAC*COVENTRY HILLS

Extensive upgrades in a/c home in great condi-tion. Gourmet white kitch w/ lg island, s/s appl & w/thru pantry. 2nd fl oor master bdrm w/ 5 pc ensuite 7 w/in closet. Bsmt developed w/ huge

theatre room. Fully fenced bkyrd w/ deck.MLS#C3541854


GREAT OPPORTUNITY!

$174,900 or $8,745 down OAC*CHAMPION

Great lot backing onto the docks, huge property, build your own summer resort,

fully serviced, Little Bow is the only development on the Lake.

MLS#C3485086


READY TO MOVE IN!

$489,900 or $24,495 down OAC*INGLEWOOD

Brand new executive apartment condo build by States-man at Riverside Quays in Inglewood. SW facing

corner unit on 4th fl r with panoramic views. $3000 media package incl. Insuite laundry, 1 u/g heated,

titled parking stall & adjoining storage locker.MLS#C3542713


EXCEPTIONAL VALUE!

$319,900 or $15,995 down OAC*SACRAMENTO

New kitchen, laminate fl oors, and new paint. Large family room with wood burning f/p. 2pc bath. Upstairs has large master, 2 bedrooms and oversized renovated

4pc bath complete with soaker tub & shower with body sprays and waterfall. Large backyard with patio!

MLS#C3546767

EXCEPTIONAL VALUE!

Trade Up $514,900SUNSET RIDGE

Brand new Solex 2 Craftsman Landmark Home w/ 3 bdrms, 3 bath & fl ex room. Bright & open plan. Hardwood fl rs thru out. Spacious master bdrm w/ 4pc ensuite & w/in closet. Bsmt ready

for development. Double attached garage.

MLS# C3543386 Visit www.calgaryhomesearch.com

ENERGY EFFICIENT HOME!

Trade Up $565,900 CRANSTON

Brand new Landmark Nexus 2 Net Zero home. Net Zero homes are exceptionally effi cient & make their own energy using solar panels. 3 bdrm, 3 baths, bonus rm, & fl ex rm. Double attached garage. Hdwd thru out. Gourmet kitch w/ centre island. Built Green! 10 yr AB New Home Warranty & 2 yr builder warranty.

MLS# C3543842


CUSTOM BUILT BUNGALOW!

Trade Up $529,900CHESTERMERE

Backs onto green space & walkway. Total 4 bdrms & 3 baths. New carpet & recently painted thru/out. Vaulted ceilings on main fl r w/ skylights. Formal dining rm w/

built in speaker system through out house. Fully devel-oped bsmt w/ 9ft ceilings. Dbl garage & workshop.

MLS#C3546757 Visit www.calgaryhomesearch.com

UNIQUE STYLE HOME! EXCELLENT FAMILY HOME!

Trade Up $548,888 Trade Up $549,900 WEST HILLHURST

Stunning unique style home with open concept. 3 bdrm & 3 baths. Hdwd fl oors leading to living/dining rm. Gourmet

kitchen w/ granite countertops. French doors to patio. Master w/ w/in closet & 3 pc ensuite. Prof dev bsmt. Cedar wine rm.

Rear patio. Double attached garage.

EDGEMONT2 storey split a/c home in showhome conditions. Home includes 3 bdrm, 3 baths and main fl oor den. Vaulted ceilings. Professionally developed

basement. Spectacular landscaped back yard with deck. Newer roof. Double attached garage.

MLS# C3544436 MLS#C3545302 Visit www.calgaryhomesearch.com



MINS FROM GOLF COURSE!

Trade Up $899,900RURAL FOOTHILLS

Well kept custom property in Priddis on 4 acr. of private land! Close to Priddis Golf Course, 4500+ sq ft lvng area. Brightly lit, exposed cedar beams & 3 lvl deck . Sunken living rm, wood f/p. Open kitchen w/isl

feeds into family room. Master is on own fl r with w/i closet & 6 pc skylit ensuite. W/o bsmt, wind celler, workshop, & 3pc bath with sauna


QUIET LOCATION!

Trade Up $1,195,000MOUNT ROYAL

Excellent value w/lots of potential. 2 storey home renovated in 1980 by Jeremy Sturgess, kitchen & baths renoed in mid 90’s. Bright & open plan, French doors leading to balcony off of lvng

rm & dng rm. and also to covered patio. Lg master w/4 pc ensuite & French doors lead to another balcony. Single attached garage.




Brand new Landmark Maxim 2 Net Zero home. Excep-tionally effi cient & make energy using solar panels. 3 bdrm, 3 baths, bonus rm, & fl ex rm. Double attached

garage. Hdwd thru out. Gourmet kitchen w/centre island. 10 yr AB New Home Warranty & 2 yr builder warranty.

MLS# C3543845

EXCELLENT FAMILY HOME!

Trade Up $609,000WESTGATE

Renovated 4 level split w/over 1800 sq ft of living space. Huge gourmet kitchen w/ tons

of cabinets, lg granite countertops & s/s appl. Oversized heated double garage.

MLS# C3541116 MLS# C3542367

QUIET LOCATION!

Trade Up $609,000

SPRINGBANK HILLExtensively updated 2 storey w/bonus room & fully developed w/o basement in showhome condition. Fronts on to park. Very bright &

open plan. Recently painted throughout. Newer garage door. Landscaped backyard w/patio.

Trade Up To One Of Our Prestigious Homes*And We Will Buy Your Home

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BUILT GREEN!

Trade Up $729,900CRANSTON

Brand new 2 storey Landmark Home with 3 bedrooms & 3 bath, plus bonus room with

vaulted ceilings. Very bright and open plan with hardwood thru out main fl oor. Master includes 5

pc spa in ensuite with huge walk-in closet.MLS# C3542197


SHOWHOME CONDITION!

Trade Up $774,900TUSCANY

Landmark custom built bungalow with 3 bedrooms, main fl oor den, and 3 baths. Gourmet kitchen, huge granite island with sink, stainless steel appliances

and gas stove. Fully developed lower level with gas fi replace. Close to school and amenities.


GREAT FAMILY HOME!


Brand new 2 storey Landmark home. 3 bedrooms, 3 baths plus bonus room. Gourmet maple kitchen with granite

countertops and stainless steel appliances. Master includes 5 pc ensuite spa and huge walk-in closet. Unfi nished base-

ment with 9 foot ceilings. Double attached garage.MLS# C3542017


CLOSE TO AMENITIES!

Trade Up $619,000ALTADORE

Showhome condition. Gourmet kitchen with s/s appl, con-vection oven w/warming drawer. Gas f/p in great rm, sliding glass drs open to private fenced yard. Vaulted ceilings in lg master with 5pc ensuite. Fully fi nished basement. Home is

a/c with new h/e furnace, tankless instant hot water.MLS# C3545059


MUST SEE HOME!

Trade Up $719,900CORAL SPRINGS

Custom built 2 storey split. Backs onto lake. 5 bdrms, 4 baths & den. Cathedral ceilings. Bright, sunny kitchen w/centre island. Prof dev w/o bsmt w/family rm, 2 bdrms, summer kitchen & 4pc bath ideal for mother-in-law suite. Deck w/view of lake.


EXCELLENT FAMILY HOME!


Brand new Landmark Fairfax 2 Net Zero home. Exceptionally effi cient & make their own energy using solar panels. 3 bdrm, 3 baths, bonus rm, and fl ex rm. Double attached

garage. Hrwd thru out. Gourmet kitchen w.centre island. Built Green! 10 yr AB New Home Warranty & 2yr builder warranty.



EXCEPTIONAL VALUE!

Trade Up $499,900 SUNSET RIDGE

Brand new Landmark home w/ 3 bdrm, 3 baths, & fl ex rm. Bright & open plan. Hardwood thru

out. Spacious master bedroom w/ 5pc ensuite w/ soaker tub, separate shower & w/in closet. Bsmt ready for development. Double attached garage.

GREAT FAMILY HOME!

$429,900 or $21,495 down OAC*COVENTRY HILLS

Extensive upgrades in a/c home in great condi-tion. Gourmet white kitch w/ lg island, s/s appl & w/thru pantry. 2nd fl oor master bdrm w/ 5 pc ensuite 7 w/in closet. Bsmt developed w/ huge

theatre room. Fully fenced bkyrd w/ deck.


CUSTOM PRIVATE PROPERTY!

Trade Up $1,499,900ASPEN WOODS

Custom 2 storey w/fully dev’d w/o bsmt. 6 bdrms, den & 5 baths. U/g thru out & vaulted ceilings. Gourmet maple kitchen w/cntr isl, designer b/s & s/s appl. Staircase open to view fam rm & foyer. Balcony off lg master w/ensuite, steam shwr & w/i

closet. Landscaped yard, 2nd fl r deck & trple att garage.MLS# C3540624

CUSTOM FAMILY HOME!

Trade Up $739,900ASPEN WOODS

Custom built Morrison home with .22 acre lot. Open concept fl oor plan w/huge gourmet kitchen and upgraded appliances and Subzero fridge, convection oven and gran-ite sink. Massive master with spacious eating nook open to

large deck & lg backyard. Oversized double garage.MLS# C3536865




Brand new Landmark Nexus 2 Net Zero home. Net Zero homes are exceptionally effi cient & make their own energy using solar panels. 3 bdrm, 3 baths, bonus rm, & fl ex rm. Double attached garage. Hdwd thru out. Gourmet kitch w/ centre island. Built Green! 10 yr AB New Home Warranty & 2 yr builder warranty.


GREAT FAMILY HOME!


Brand new Amara showhome! 3 bdrms, den, bonus rm & 3 baths. Grand foyer w/marble fl rs. Stunning dining rm w/incredible chande-lier & 2 sided fp. mud rm w/built-ins. Extensive counter & cabinet

space in dream kitchen. High end appl with gas stove & wine fridge. Leather fl rs on main fl r. Triple attached garage New home warranty.


MOUNTAIN VIEWS!

Trade Up $1,050,000COCHRANE

Custom built bungalow with w/o bsmt located in Glenealges Estates. Panoramic mountain views, full length windows overlook golf course. 3 bdrms, den, sun rm, & 3 baths. Gourmet maple kitchen, granite &

s/s appliances. Lg master w/5 pc ensuite, jetted tub, & huge w/i closet. Spiral staircase leads to bsmt fmly rm w/gas fp. Triple attached garage.


EXCEPTIONAL VALUE!

Trade Up $1,098,945ASPEN WOODS

Executive a/c 2 storey home w/fully dev bsmt & trpl att garage. 5 bdrms, den & 4 baths. Maple h/w fl rs. Gourmet maple kitchen w/

isl, brkfst eating bar, granite & s/s appl. Great rm has built-ins, fp & 2storey cathedral ceilings. Master w/5 pc ensuite w/ huge w/i closet.

Radiant ifl r heat in fam rm, rec & games rm, bdrm & 4pc bath.MLS# C3541027


EXTENSIVE UPGRADES!

Trade Up $1,119,000THE SLOPES

Custom built 2 storey home w/reverse w/o bsmt & 4 car att. garage. 5 bd, 5 baths, u/g & built-ins thru out. H/w on both levels. Gourmet maple kitchen w/eating bar, granite, s/s appl w/Butler pantry open

to wet bar & fam rm w.dble side gas fp. 2 masters on main fl r. Huge loft upstairs, bsmt ready for dev’t w/rough in for radiant infl r heat.


MINS FROM GOLF COURSE!


Well kept custom property in Priddis on 4 acr. of private land! Close to Priddis Golf Course, 4500+ sq ft lvng area. Brightly lit, exposed cedar beams & 3 lvl deck . Sunken living rm, wood f/p. Open kitchen w/isl

feeds into family room. Master is on own fl r with w/i closet & 6 pc skylit ensuite. W/o bsmt, wind celler, workshop, & 3pc bath with sauna


CUSTOM FAMILY HOME!

Trade Up $1,369,900CHURCH RANCHES

Custom built bungalow on 2.03 acres, fully dev w/o with triple att garage & sep entrance. 2 bdrms, main fl r den with Murphy bed, & 3 baths. Formal dining rm & gourmet maple kitchen w/high end appl. Lg eating area & great rm with 14’ ceilings & wood burning fp. Lg master w/5pc ensuite & w/i closet. Radiant infl r heating in bsmt.


QUIET LOCATION!

Trade Up $1,195,000MOUNT ROYAL

Excellent value w/lots of potential. 2 storey home renovated in 1980 by Jeremy Sturgess, kitchen & baths renoed in mid 90’s. Bright & open plan, French doors leading to balcony off of lvng

rm & dng rm. and also to covered patio. Lg master w/4 pc ensuite & French doors lead to another balcony. Single attached garage.


MOUNTAIN VIEWS!

Trade Up $1,495,000SPRINGBANK HILL

Brand new custom bungalow w/4 car att garage. Courtyard entrance. 4 bdrms, loft & 5 baths. U/g incl elevator, gourmet maple kitchen, granite ctps and s/s appl. Lg master w/5pc ensuite, o/s shower, &

w/i closet. Patio w/outside fp & mountain views. Radiant infl r heating thru out bsmt. 1 yr builders warranty & 5 yr National warranty


CUSTOM BUILT!

Trade Up $1,495,000CHURCH RANCHES

2 storey, w/o bsmt & triple att garage on 2.85 secluded acres. 3 bdrms, loft & 4 baths. Gourmet Alder & Maple kitchen cabinets w/slate backsplash and rare ONYX, s/s appl. Tin tile in kitch/dining

rm, w/i pantry. Cathedral ceilings & 3 sided fp in great rm. Lg master w/6 pc ensuite, huge w/i closet. Landscaped yard w/hot tub.


QUIET LOCATION!

Trade Up $879,900GLENDALE MEADOWS

Renoed 1900 sq ft bungalow with w/o basement. Gourmet kitchen w/eating bar & s/s appl. Lg great rm with gas f/p, dining area, & double French doors leading to deck. Ceramic tile & h/w thru out main area. Lg master w/4 pc ensuite, jetted tub, shower,

skylight & w/in closet. Workout area w/wet bar & sunroomMLS# C3546543


EXCEPTIONAL VALUE!


Executive custom built home w/3 car garage on 3.18 acres. Cozy formal living room with f/p, gourmet kitchen with centre island, patio to large exposed

concrete balcony, and large master with 5pc ensuite w/soaker tub. Horse fence & automatic horse waterer.


COUNTRY CHARM!

Trade Up $864,900LYNX RIDGE

Executive custom built bungalow w/developed bsmt & triple attached garage backing on to the 11trh hole

at Lynx Ridge Golf Course. Mountain views. Rare 3rd bedroom on the mail fl oor plus main fl r den.

Partially developed bsmt w/family& media rm. CityMLS# C3543962

MLS# C3542367

QUIET LOCATION!

Trade Up $609,000

SPRINGBANK HILLExtensively updated 2 storey w/bonus room & fully developed w/o basement in showhome condition. Fronts on to park. Very bright &

open plan. Recently painted throughout. Newer garage door. Landscaped backyard w/patio.

David Crick403.230.2121

[email protected]

Tuxedo $729,000

Altadore $979,000

This 2,000 sq ft, 2 storey with fully developed basement will be ready for February possession. Featuring wonderful in � oor heating, central air, dormers vaulted ceilings upstairs and an open staircase. Tons of built-ns and upgrades including granite countertops throughout. The ensuite has a 6’jetted tub and separate shower. $7,000 appliance pkg is included in sale price.

Premium built home, built by Aikam, fully � nished, with all the bells and whistles. Including A/C, in � oor heating, open stair risers, sculptured ceilings. Huge ensuite with steam shower and body wash jets. possession is in February.

Renfrew $745,000

Montgomery $419,000

Bowness $379,000

Victoria Park $329,000

2 storey fully developed 4 plex, 2+1 bedroom, master bedroom has 6 piece ensuite and the 2nd bathroom has a 4 piece ensuite. Each unit has a single detached garage. there is a $4000 appliance pkg included in the sale price. June possession.

Located in The Keynote Towers, close to all the amenities this fabulous 1 bedroom condo is located on the 10th � oor. It’s been totally renovated and features � oor to ceiling windows that have a wonderful south exposure allowing for plenty of natural lighting. You will also enjoy the underground parking.

Montgomery $619,000Renfrew $739,000 Acadia $425,000

1940 sq ft, Top quality Aikam built home. 2 storey fully � n-ished, double detached garage, excellent view, lots of bells and whistles, April possession.

New single family in� ll with fully � nished basement central air huge master ensuite. 9’ ceillings and lots of upgrades every where. Still time to pick your colors but please do it soon.

Mint clean home with new kitchen and appliances. 2.5 baths in new condition. Hardwood throughout the main � oor. Awesome landscaping comes with a $15,000 cash back to build double garage when weather permits. Fully � nished basement with games room, rec room and a 4th bedroom.

This � ne quality built home has plenty of extras including 10ft ceilings. Central A/C, huge master ensuite, featuring heated � ooring, 6ft jetted tub, lrg separate shower. Fully � nished bsmt, south backyard. Move in 2 weeks.

This 2 storey 2+1 bedrooms is a top quality built home by Aikam Homes. 4 Plex condo only 2 left for March possession, which allows you plenty of time to still add your personal touches and make this your home. The large master bedroom has a 6 piece ensuite and the second bedroom has a 4 piece ensuite. Each unit has a single detached garage. There is a $4,000 appliance pkg included in the sale price.

Capitol Hill $995,000

Great investment! Rent out main level as 2 separate units, 1 is a 1800 sq. ft 2 storey & a 1250 sq. ft. bungalow. Lower level w/10 bachelor suites. Currently renting for $8500 per month. 4 separate furnaces & 4 hot water tanks. Newer hot water tanks & roof.

[email protected]

Capital Hill $739,000 Tuxedo $729,000

Altadore $979,000 Crocus Ridge Estates $875,000

This 2,000 sq ft, 2 storey with fully developed basement will be ready for February possession. Featuring wonderful in � oor heating, central air, dormers vaulted ceilings upstairs and an open staircase. Tons of built-ns and upgrades including granite countertops throughout. The ensuite has a 6’jetted tub and separate shower. $7,000 appliance pkg is included in sale price.

Premium built home, built by Aikam, fully � nished, with all the bells and whistles. Including A/C, in � oor heating, open stair risers, sculptured ceilings. Huge ensuite with steam shower and body wash jets. possession is in February.

Wonderful acreage living just minutes from the city. Over 4,000 ft of developed living space. 6 bedrooms, 2 ensuites, + another 2.5 bathrooms. The basement is fully developed and includes a rec-room and a den, all with heated � oors. This truly is a fully loaded home.

This 1,900 sq ft, 2 Storey with fully developed basement will be ready for February possession. Featuring in � oor heating, central air, dormers, vaulted ceilings upstairs, and an open staircase. Granite countertops throughout the home. The fully developed basement also includes a wet bar. The ensuite has a 6’ jetted tub and a separate shower. There is a $7,000 appliance pkg included in the sale price.

Renfrew $745,000

Montgomery $419,000

Victoria Park $329,000

Located in The Keynote Towers, close to all the amenities this fabulous 1 bedroom condo is located on the 10th � oor. It’s been totally renovated and features � oor to ceiling windows that have a wonderful south exposure allowing for plenty of natural lighting. You will also enjoy the underground parking.

Acadia $425,000

Mint clean home with new kitchen and appliances. 2.5 baths in new condition. Hardwood throughout the main � oor. Awesome landscaping comes with a $15,000 cash back to build double garage when weather permits. Fully � nished basement with games room, rec room and a 4th bedroom.

This � ne quality built home has plenty of extras including 10ft ceilings. Central A/C, huge master ensuite, featuring heated � ooring, 6ft jetted tub, lrg separate shower. Fully � nished bsmt, south backyard. Move in 2 weeks.

This 2 storey 2+1 bedrooms is a top quality built home by Aikam Homes. 4 Plex condo only 2 left for March possession, which allows you plenty of time to still add your personal touches and make this your home. The large master bedroom has a 6 piece ensuite and the second bedroom has a 4 piece ensuite. Each unit has a single detached garage. There is a $4,000 appliance pkg included in the sale price.

Renfrew $729,000 Blackfoot Mobile Park $45,000

Wonderfully crafted home with 9ft vaulted ceilings. Cen-tral A/C, huge master ensuite, featuring heated � ooring, 6ft jetted tub, lrg separate shower. Fully � nished bsmt, south backyard. Move in 2 weeks.

Adult living mobile park. No pets unless board approved. Fast and easy access to shopping and bus transporta-tion. With more than 1000 sq ft of living space this home features and open � oor plan. kitchen equipped with oak cabinets and a breakfast nook. This is a 2 bedroom unit with a bedroom on either end. Both have a 4-piece bath. Monthly lease rate is $800.00 and includes water, sewer and garbage.

featurerealtor

For more than 25 years, Calgary Realtor Don Lothian has used his experience, knowledge and skills to help his clients realize their real estate goals.

Now the real estate agent with RE/MAX Landan Real Estate is o� ering his clients an even greater advantage by teaming up with Debbie Rice, his former assistant who obtained her real estate licence in May.

Debbie moved to Alberta 18 years ago from Saskatchewan and � rst worked in the � nancial � eld before moving into new home sales, which is where she met Don.

“He did all of the real estate for the home builder,” Debbie says, and they built such a good rapport that 10 years ago she decided to leave new home sales and went to work as Don’s assistant part-time. “I really wanted to work with Don because of his caring nature. He adopted two special needs girls and that says a lot about the kind of person he is.”

Working part-time also gave Debbie the opportunity to both learn more about the industry and be there for her two kids. “But my children are older now so I felt the time was right to get my real estate licence,” she says.

“Don and I have had a great working relationship for many years and this just takes it a step further,” Debbie says. “As a team we do the presentations together and it’s great to have a mentor who has been working in the industry so long and has so much knowledge and experience to share.

Don says he’s excited to be working as a team. “It’s really rejuvenated me; it gives me more � exibility to spend time with my family because they’re two of us so we can cover for each other.”

It’s also bene� cial to clients because they get “two Realtors for the price of one,” Don says, “When they contact our team they get two Realtors working for them.”

What Debbie enjoys about working in real estate is interacting with people. “I helped Don set up all the open houses and did marketing and I really enjoyed it. I can still do that now, but I can also complete the sale and I love building relationships with clients, showing houses and seeing their smiles when they � nd the one that suits them.”

Don has a proven track record of success to o� er his clients. He has been with RE/MAX since 1995 and was inducted into the RE/MAX Hall of Fame in less than four years and is the recipient of the prestigious RE/MAX Lifetime Achievement Award.

“It’s always satisfying to be successful and earn the recognition of your peers because that means you’re doing a good job and recognizes that I’ve maintained consistency among the top groups in the industry,” Don says. “But I also get tremendous satisfaction of doing a good job negotiating for my clients and that’s what it’s all about.”

Don is consistently a top producer because his clients have complete trust in the knowledge and expertise he has accumulated over the years. He feels that quick turnaround times of on site information and consistent communication with the client are essential parts of the process.

� e Lothian Rice team uses today’s technology and social media to provide helpful information and help stay in touch with clients and keep them informed about their listings and what’s happening in the marketplace.

“Knowledge and personalized service is what we o� er perspective clients,” Don says.

Both Don and Debbie are also � rm believers in giving back to the community. Don’s daughters, Dini, 15, and Caitlin, 13, are actually the reason behind the team’s main charity – the National Service Dog program. � e family was selected for a specially trained NSD dog seven years ago and the dog, Gri� n, continues to assist the girls today. � e Realtors also give back to the local community, donating to numerous charities and groups, and support the Children’s Miracle Network through RE/MAX.

“We also deliver 10,000 calendars every year and hire students who are building homes in � ird World countries,” Debbie says. “� e group we hired this year is building three homes in the Dominican Republic.”

To list your property with the Lothian Rice team at RE/MAX Landan Real Estate, contact Don or Debbie at 403-256-3888, visit calgaryrealestate.org, or e-mail [email protected].

B Y H E AT H E R R YA N

Don LothianDebbie RiceLongtime Realtor forms new RE/MAX team

Don Lothian Debbie Rice


Abbeydale ............................................664Albert Park ...........................................730Applewood ..........................................768Calgary International Airport ............624Castleridge ..........................................676Castleridge Estates .............................678Coral Springs ......................................688Deerfoot/Skyline Ind Park ..................615Dover ...................................................738Dover Glen ..........................................736Eastfi eld ..............................................748Erin Woods ..........................................740Falconridge ..........................................680Fonda ...................................................726

Forest Heights .....................................762Forest Lawn .........................................764Franklin/Meridian Ind Park ................630Horizon Industrial Park ......................640Marlborough .......................................660Marlborough Park ...............................662Martindale ...........................................682Mayland Heights ................................600Mayland Heights East ........................604Mccall/Airways Ind Park ....................610Monterey Park .....................................670Parkridge Estates .................................671Penbrooke............................................766Pineridge .............................................668

Radisson Heights ................................728Red Carpet/Mountview Mhp .............770Rundle .................................................666Saddle Ridge .......................................645Southview............................................732Valleyfi eld ...........................................744Vista Heights .......................................605West Dover ..........................................734Whitehorn ...........................................672Stoney Industrial.................................625Sunridge Industrial Park ....................635Taradale ...............................................684Temple .................................................674

zone

Dover

Southview

ForestLawn

AlbertPark

Penbrooke

MaylandHeights

Franklin Ind. Park/Meridian Ind. Park

RadissonHts

MarlboroughPark

Marlborough

MontereyPark

Pineridge

Temple

Applewood

Abbeydale

WestDover

ErinWoods

DoverGlen

EastfieldValleyfield

16 AVE.

DEER

FOOT

TRA

IL

Fonda ForestHts

WhitehornHorizonInd. Park

McCallInd. Park

VistaHeights

SunridgeInd. Park

Rundle

Falconridge

Castleridge

TaradaleMartindale

Saddle RidgeWestwinds

CalgaryInternational Airport

CoralSprings

COMMUNIT IES & MLS NUMBERS

403-270-7601Call me today to arrange a private [email protected] www.RayRiley.comCall me today to arrange a private viewing.Call me today to arrange a private viewing.

Ray Riley

1120 sq ft• 2 Bedrooms• 1½ Bathrooms• Elevator•

Walking distance to• Chinook Centre20 to Downtown•

Kelvingrove $249,900

Renovated• (Subzero & Viking)

2430 sq ft•

3+1 Bedrooms•

3½ Bathrooms•

Triple Attached Garage•

Oakridge Estates - $790,000

G a r y

M a t tWilliams

Ca

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or

Sa

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.Ca

Call NoW For a Free

eValUatIoN oF yoUr CalGary

ProPerty

259.414140

3

Stunning Executive Family Home Offering 5 Bdrms, 7 Bathrms (4 •Ensuites) & 4,445 Sq Ft on a 15,134 Sq Ft Treed & Landscaped Lot.

Substantial To The Studs Renovation In 2001 Included An Addition, •Kitchen & Bathrms, Newer Plumbing, Electrical, Shingles & Central AC.

MayFaIr $1,795,000

Excellent Starter Homes Or Investment Properties.•Multiple Units Available In 2 Well Managed Complexes.•Fully Renovated 2 & 3 Bedroom Turnkey Properties.•

River Frontage & Mountain Views!•Build• Your Dream Home On This Stunning 10 Acre Parcel Of Land.$60,000 Spent In Property Enhancements.•

BraeSIDe & CaNyoN MeaDoWSGhoSt rIVer $375,000

homebuyers’help

The homebuyer’s checklisT Buying a Home | the first steps

☐ arrange for a mortgage ☐ select a home inspector☐ select a real estate agent☐ select a lawyer

after buying:☐ home insurance☐ warranties

selling a Home | the first steps

☐ select a lawyer ☐ select an agent – contract – negotiate commission☐ assess the market value of your home☐ renovate to increase the value of your home

staging for prospective buyers: ☐ clean (walls, doors, baseboards)☐ store personal items☐ clear clutter☐ front yard – clean, no debris☐ paint if needed☐ kitchen☐ bathroom

take-along quick reference key players

agent’s name:phone number:email: broker’s name:phone number:email: lawyer’s name:phone number:email: inspector’s name:phone number:email: reno expert’s name (1):phone number:email: reno expert’s name (2):phone number:email: nice to have:

deal breakers:

property:list price:property taxes/year: neighbourhood closest main intersection:

elementary schools:high schools:hospitals:clinics:

shopping (supermarkets/malls):

banks:

public transportation:

closest highway:

distance from work/school:occupancy:heating: condo amenities:

maintenance fees:


01Calculate the combined monthly before-tax income

of you and your spouse.

02Divide by three. This figure is the monthly payment you can afford

to make on your home.

03Take the total price of the home and subtract the amount of money

you expect to make as a down payment. This is the money you will have to borrow.

04Refer to the chart on the opposite page. Look down the

left column and locate the interest rate you expect to pay. Line this up with the amortization period of your choice. (Most first-time buyers take the 25-year amortization.)

05Multiply this figure by the amount you need to borrow. Divide by

1,000.

06Add to this your estimated monthly heating costs and

monthly property taxes.

07If this figure is equal to or less than one-third of your gross

monthly income (calculated in Step 2), you’ll qualify for a mortgage on your dream home.

FOLLOW THESE STEPS TO SEE IF YOU’LL QUALIFYFOR A MORTGAGE ON YOUR DREAM HOME

Bear in mind that this is a rough estimate. If you have several other large loans already, you may qualify for less. Also, banks and trust companies varyin their policies. The best way to know what you can afford is to go to the lending institution of your choice andget pre-qualified.

5.00% 18.84 10.58 7.88 6.57 5.81

5.25% 18.96 10.70 8.00 6.70 5.95

5.50% 19.07 10.82 8.13 6.84 6.10

5.75% 19.18 10.94 8.26 6.98 6.25

6.00% 19.29 11.06 8.39 7.12 6.39

6.25% 19.41 11.18 8.53 7.26 6.54

6.50% 19.52 11.31 8.66 7.40 6.69

6.75% 19.63 11.43 8.79 7.54 6.85

7.00% 19.75 11.55 8.93 7.69 7.00

7.25% 19.86 11.68 9.06 7.83 7.15

7.50% 19.98 11.81 9.20 7.98 7.31

7.75% 20.09 11.93 9.34 8.13 7.47

8.00% 20.21 12.06 9.48 8.28 7.63

8.25% 20.32 12.19 9.62 8.43 7.79

MORTGAGE PAYMENT CALCULATION CHART

AMORTIZATION PERIODSINTERESTRATES

% 5 YRS 10 YRS 15 YRS 20 YRS 25 YRS

CALCULATE YOUR MORTGAGE PAYMENTSCALCULATE YOUR MORTGAGE PAYMENTS

TOTAL PRE-TAX INCOME

MONTHLY PRE-TAX INCOME

SPOUSE’S PRE-TAXINCOME

AMOUNT OF MORTGAGE(PRICE – DOWN PAY-

MENT)DIVIDE BY 3

AFFORDABLEMONTHLYPAYMENTS

AMORTIZATION AMOUNTCHART FIGURE

AMOUNTOF MORTGAGE

DIVIDED BY 1,000

MONTHLY PAYMENTS

AMORTIZATION AMOUNT

ESTIMATEDMONTHLY

TAXES & HEAT

homebuyers’help

The homebuyer’s checklisT Buying a Home | the first steps

☐ arrange for a mortgage ☐ select a home inspector☐ select a real estate agent☐ select a lawyer

after buying:☐ home insurance☐ warranties

selling a Home | the first steps

☐ select a lawyer ☐ select an agent – contract – negotiate commission☐ assess the market value of your home☐ renovate to increase the value of your home

staging for prospective buyers: ☐ clean (walls, doors, baseboards)☐ store personal items☐ clear clutter☐ front yard – clean, no debris☐ paint if needed☐ kitchen☐ bathroom

take-along quick reference key players

agent’s name:phone number:email: broker’s name:phone number:email: lawyer’s name:phone number:email: inspector’s name:phone number:email: reno expert’s name (1):phone number:email: reno expert’s name (2):phone number:email: nice to have:

deal breakers:

property:list price:property taxes/year: neighbourhood closest main intersection:

elementary schools:high schools:hospitals:clinics:

shopping (supermarkets/malls):

banks:

public transportation:

closest highway:

distance from work/school:occupancy:heating: condo amenities:

maintenance fees:

01Calculate the combined monthly before-tax income

of you and your spouse.

02Divide by three. This figure is the monthly payment you can afford

to make on your home.

03Take the total price of the home and subtract the amount of money

you expect to make as a down payment. This is the money you will have to borrow.

04Refer to the chart on the opposite page. Look down the

left column and locate the interest rate you expect to pay. Line this up with the amortization period of your choice. (Most first-time buyers take the 25-year amortization.)

05Multiply this figure by the amount you need to borrow. Divide by

1,000.

06Add to this your estimated monthly heating costs and

monthly property taxes.

07If this figure is equal to or less than one-third of your gross

monthly income (calculated in Step 2), you’ll qualify for a mortgage on your dream home.

FOLLOW THESE STEPS TO SEE IF YOU’LL QUALIFYFOR A MORTGAGE ON YOUR DREAM HOME

Bear in mind that this is a rough estimate. If you have several other large loans already, you may qualify for less. Also, banks and trust companies varyin their policies. The best way to know what you can afford is to go to the lending institution of your choice andget pre-qualified.

5.00% 18.84 10.58 7.88 6.57 5.81

5.25% 18.96 10.70 8.00 6.70 5.95

5.50% 19.07 10.82 8.13 6.84 6.10

5.75% 19.18 10.94 8.26 6.98 6.25

6.00% 19.29 11.06 8.39 7.12 6.39

6.25% 19.41 11.18 8.53 7.26 6.54

6.50% 19.52 11.31 8.66 7.40 6.69

6.75% 19.63 11.43 8.79 7.54 6.85

7.00% 19.75 11.55 8.93 7.69 7.00

7.25% 19.86 11.68 9.06 7.83 7.15

7.50% 19.98 11.81 9.20 7.98 7.31

7.75% 20.09 11.93 9.34 8.13 7.47

8.00% 20.21 12.06 9.48 8.28 7.63

8.25% 20.32 12.19 9.62 8.43 7.79

MORTGAGE PAYMENT CALCULATION CHART

AMORTIZATION PERIODSINTERESTRATES

% 5 YRS 10 YRS 15 YRS 20 YRS 25 YRS

CALCULATE YOUR MORTGAGE PAYMENTSCALCULATE YOUR MORTGAGE PAYMENTS

TOTAL PRE-TAX INCOME

MONTHLY PRE-TAX INCOME

SPOUSE’S PRE-TAXINCOME

AMOUNT OF MORTGAGE(PRICE – DOWN PAY-

MENT)DIVIDE BY 3

AFFORDABLEMONTHLYPAYMENTS

AMORTIZATION AMOUNTCHART FIGURE

AMOUNTOF MORTGAGE

DIVIDED BY 1,000

MONTHLY PAYMENTS

AMORTIZATION AMOUNT

ESTIMATEDMONTHLY

TAXES & HEAT


MORTGAGE INTEREST RATES

MORTGAGE TYPESALL MORTGAGES ARE OF TWO BASIC TYPES:

CONVENTIONALThe buyer can borrow up to 80% of the purchase price or the value of the property, whichever is less.The buyer has to pay 20% down. A conventional mortgage cannot exceed 80% of the value of the property.

INSURED OR HIGH-RATIO:A buyer can borrow up to 95% of the purchase price or the value of the property, whichever is less. The down payment can be as low as 5%.

MORTGAGE OPTIONSYou can choose any of these mortgage options which fit into the two basic mortgage types. Lenders may even customize these options to suit your needs.

OPEN MORTGAGE:Allows borrowers to repay all or part of the total amount of their mortgage at any time without penalty.

Because of flexibility, this is ideal for borrowers who plan to sell their homes in the near future or who want to switch from a short-term mortgage at high interest rates to a longer term when mortgage interest rates fall.

CLOSED MORTGAGE:Usually has the lowest interest rate available but lacks the flexible features of other mortgage options.A good choice for those who want the security of knowing their monthly payment is fixed for a longer term.

Prepayment options are available but they are subject to conditions.

PORTABLE MORTGAGE:Flexibility if borrowers move. Borrowers can take the mortgage to their new home or can transfer it (usually with the consent of the lender) to the purchaser of their old home. This is an attractive option if the rate on the existing mortgage is lower than current rates.

AGF Trust - 4.650 3.040 3.200 3.240 3.340 3.490

ATB Financial 3.000 4.000 3.100 3.140 3.700 4.390 3.690

Bank of Montreal 3.100 4.000 3.100 3.140 3.700 4.640 5.240

Bank of Nova Scotia 3.100 4.550 3.650 3.890 3.990 4.390 4.990

BMO 3.100 4.000 3.100 3.140 3.700 4.640 5.240

Bridgewater Bank - - 3.240 3.390 3.250 3.570 3.250

CIBC Mortgages 3.200 4.450 3.100 3.290 3.700 4.390 5.240

Canadian Western Bank 3.200 4.000 3.100 3.140 3.700 4.640 5.240

Canadian Western Trust 3.200 4.000 3.100 3.140 3.700 4.640 5.240

Equitable Trust - - 3.100 3.140 3.700 4.640 5.240

First Calgary Financial - 4.000 2.390 3.140 2.990 3.290 3.290

First National Financial 3.000 3.950 2.740 2.690 2.890 3.150 3.190

HSBC Bank Canada 3.100 4.450 3.600 3.950 4.450 4.990 5.240

Home Trust Company - - 2.990 - 3.190 - 3.190

ICICI Bank Canada 3.050 - 3.150 3.650 3.640 3.690 3.440

ING Direct 3.000 - 3.250 3.250 3.250 3.250 3.190

Investors Group Trust 3.000 4.000 3.100 3.140 3.700 4.640 5.240

London Life 3.000 4.000 3.100 3.140 3.700 4.640 5.240

Manulife Bank 3.000 4.450 3.000 3.100 3.150 3.150 2.950

Manulife Trust - 4.450 3.000 3.100 3.150 3.150 2.950

National Bank 3.200 4.000 3.100 3.140 3.700 4.640 5.240

Peace Hills Trust - 4.500 3.100 3.350 3.700 3.850 3.950

President’s Choice Fin’l 3.100 6.040 3.140 3.200 3.240 3.300 3.340

Royal Bank of Canada 3.200 4.000 3.100 3.140 3.650 4.640 5.240

Servus Credit Union - 4.000 3.100 3.140 3.700 4.390 5.240

T-D Mortgage 3.200 4.000 3.000 3.140 3.700 4.640 5.240

Your Neighbourhood C.U. - - 3.150 3.250 3.350 3.390 3.440

VARIABLE 6 month 1 year 2 years 3 years 4 years 5 years

5.00% 18.84 10.58 7.88 6.57 5.81

5.25% 18.96 10.70 8.00 6.70 5.95

5.50% 19.07 10.82 8.13 6.84 6.10

5.75% 19.18 10.94 8.26 6.98 6.25

6.00% 19.29 11.06 8.39 7.12 6.39

6.25% 19.41 11.18 8.53 7.26 6.54

6.50% 19.52 11.31 8.66 7.40 6.69

6.75% 19.63 11.43 8.79 7.54 6.85

7.00% 19.75 11.55 8.93 7.69 7.00

7.25% 19.86 11.68 9.06 7.83 7.15

7.50% 19.98 11.81 9.20 7.98 7.31

7.75% 20.09 11.93 9.34 8.13 7.47

8.00% 20.21 12.06 9.48 8.28 7.63

8.25% 20.32 12.19 9.62 8.43 7.79

AMORTIZATION PERIODS

PREPARED BY CANNEX ON NOVEMBER 12, 2012. This information is current as of the date and time posted and is subject to change without notice. © Copyright 2012 CANNEX Financial Exchanges Limited. All rights reserved.


recipe

Anna Olson’s roasted root vegetables

ingredients

› 1 cup peeled and diced carrot› 1 cup peeled and diced parsnip› 1 cup diced celery root› 1 Delicata squash, seeded and diced

(you can leave the skin on)› 2 shallots, sliced› 3 tbsp olive oil› 2 sprigs fresh thyme› salt and pepper› 1+ 6 tbsp olive oil› 1 shallot, minced› 1 teaspoon Dijon mustard› 2 tbsp apple cider vinegar› 1 teaspoon finely chopped

fresh rosemary› salt and pepper› 2 tbsp roasted pumpkin seeds

directions

› Preheat oven to 350° F. Toss carrot, parsnip, celery root and squash with shallots, olive oil and thyme and season lightly. Place in an 8-cup baking dish and roast for 30 to 40 minutes, until vegetables are equally tender. Remove thyme sprigs.

› Heat 1 tbsp oil and sauté shallot for 1 minute over medium heat. Whisk in mustard, vinegar and rosemary and reduce heat to low. Whisk in remaining 6 tbsp oil in a slow drizzle and season to taste.

› When ready to serve, toss vegetables with vinaigrette, garnish with pumpkin seeds. Serves 6 as a side dish.

More recipes can be found online at foodnetwork.ca. NCPair this hearty side

dish with a roast for a real crowd-pleaser

MORTGAGE INTEREST RATES

MORTGAGE TYPESALL MORTGAGES ARE OF TWO BASIC TYPES:

CONVENTIONALThe buyer can borrow up to 80% of the purchase price or the value of the property, whichever is less.The buyer has to pay 20% down. A conventional mortgage cannot exceed 80% of the value of the property.

INSURED OR HIGH-RATIO:A buyer can borrow up to 95% of the purchase price or the value of the property, whichever is less. The down payment can be as low as 5%.

MORTGAGE OPTIONSYou can choose any of these mortgage options which fit into the two basic mortgage types. Lenders may even customize these options to suit your needs.

OPEN MORTGAGE:Allows borrowers to repay all or part of the total amount of their mortgage at any time without penalty.

Because of flexibility, this is ideal for borrowers who plan to sell their homes in the near future or who want to switch from a short-term mortgage at high interest rates to a longer term when mortgage interest rates fall.

CLOSED MORTGAGE:Usually has the lowest interest rate available but lacks the flexible features of other mortgage options.A good choice for those who want the security of knowing their monthly payment is fixed for a longer term.

Prepayment options are available but they are subject to conditions.

PORTABLE MORTGAGE:Flexibility if borrowers move. Borrowers can take the mortgage to their new home or can transfer it (usually with the consent of the lender) to the purchaser of their old home. This is an attractive option if the rate on the existing mortgage is lower than current rates.

AGF Trust - 4.650 3.040 3.200 3.240 3.340 3.490

ATB Financial 3.000 4.000 3.100 3.140 3.700 4.390 3.690

Bank of Montreal 3.100 4.000 3.100 3.140 3.700 4.640 5.240

Bank of Nova Scotia 3.100 4.550 3.650 3.890 3.990 4.390 4.990

BMO 3.100 4.000 3.100 3.140 3.700 4.640 5.240

Bridgewater Bank - - 3.240 3.390 3.250 3.570 3.250

CIBC Mortgages 3.200 4.450 3.100 3.290 3.700 4.390 5.240

Canadian Western Bank 3.200 4.000 3.100 3.140 3.700 4.640 5.240

Canadian Western Trust 3.200 4.000 3.100 3.140 3.700 4.640 5.240

Equitable Trust - - 3.100 3.140 3.700 4.640 5.240

First Calgary Financial - 4.000 2.390 3.140 2.990 3.290 3.290

First National Financial 3.000 3.950 2.740 2.690 2.890 3.150 3.190

HSBC Bank Canada 3.100 4.450 3.600 3.950 4.450 4.990 5.240

Home Trust Company - - 2.990 - 3.190 - 3.190

ICICI Bank Canada 3.050 - 3.150 3.650 3.640 3.690 3.440

ING Direct 3.000 - 3.250 3.250 3.250 3.250 3.190

Investors Group Trust 3.000 4.000 3.100 3.140 3.700 4.640 5.240

London Life 3.000 4.000 3.100 3.140 3.700 4.640 5.240

Manulife Bank 3.000 4.450 3.000 3.100 3.150 3.150 2.950

Manulife Trust - 4.450 3.000 3.100 3.150 3.150 2.950

National Bank 3.200 4.000 3.100 3.140 3.700 4.640 5.240

Peace Hills Trust - 4.500 3.100 3.350 3.700 3.850 3.950

President’s Choice Fin’l 3.100 6.040 3.140 3.200 3.240 3.300 3.340

Royal Bank of Canada 3.200 4.000 3.100 3.140 3.650 4.640 5.240

Servus Credit Union - 4.000 3.100 3.140 3.700 4.390 5.240

T-D Mortgage 3.200 4.000 3.000 3.140 3.700 4.640 5.240

Your Neighbourhood C.U. - - 3.150 3.250 3.350 3.390 3.440

VARIABLE 6 month 1 year 2 years 3 years 4 years 5 years

5.00% 18.84 10.58 7.88 6.57 5.81

5.25% 18.96 10.70 8.00 6.70 5.95

5.50% 19.07 10.82 8.13 6.84 6.10

5.75% 19.18 10.94 8.26 6.98 6.25

6.00% 19.29 11.06 8.39 7.12 6.39

6.25% 19.41 11.18 8.53 7.26 6.54

6.50% 19.52 11.31 8.66 7.40 6.69

6.75% 19.63 11.43 8.79 7.54 6.85

7.00% 19.75 11.55 8.93 7.69 7.00

7.25% 19.86 11.68 9.06 7.83 7.15

7.50% 19.98 11.81 9.20 7.98 7.31

7.75% 20.09 11.93 9.34 8.13 7.47

8.00% 20.21 12.06 9.48 8.28 7.63

8.25% 20.32 12.19 9.62 8.43 7.79

AMORTIZATION PERIODS

PREPARED BY CANNEX ON NOVEMBER 12, 2012. This information is current as of the date and time posted and is subject to change without notice. © Copyright 2012 CANNEX Financial Exchanges Limited. All rights reserved.


Scott MerchantThe Merchant Difference www.scottmerchant.ca

Re/Max House of Real Estate 249-9500

Free, Online Home Finder Service

Hot new listings emailed daily... visit www.scottmerchant.ca

and click on Free Home Finder

For virtual tours and open house schedules go to www.scottmerchant.ca$309,900

Great Starter in Copperfield!

Best priced single family home in Copperfield. 3 bedroom 2 storey with front veranda, large great room with fireplace, Huge kitchen. A Bargain at this price!!

$449,900

Gorgeous Renovationin Oakridge!!

Too many upgrades to list! Gourmet kitchen, with granite counters, Stainless steel Appli-ances, New Hardwood Floors, Windows, doors, basement development, furnace, Huge double garage and RV Parking. Across from park!!

$1,500,000

New Build in West Hillhurst

Stunning home to be built by Gold Creek Builders Located on a south facing 40 x 120 ft lot.2891 sq ft home to be built with another 1500 in basement development. Floor plans and specs are available.

RenovatedGlenbrook Duplex!Nicely Updated 3 bedroom Duplex in Glenbrook. Priced lower than most townhouses but without the fees! Features 3 Bed-rooms, 1.5 Baths, Fully-finished basement dows, a Updated, floor-ing, paint bathrooms and furnace! Parking for two.

$259,900

New Build in Inglewood!!

Quiet location only a few steps from the BOW River and path-ways! Gorgeous 2600 sq ft 2 sto-rey built by Gold Creek Builders only 60 days from completion. Floor plans and specs are available by email, check website- photos updated regularly!

$1,250,000

recipe

Anna Olson’s roasted root vegetables

ingredients

› 1 cup peeled and diced carrot› 1 cup peeled and diced parsnip› 1 cup diced celery root› 1 Delicata squash, seeded and diced

(you can leave the skin on)› 2 shallots, sliced› 3 tbsp olive oil› 2 sprigs fresh thyme› salt and pepper› 1+ 6 tbsp olive oil› 1 shallot, minced› 1 teaspoon Dijon mustard› 2 tbsp apple cider vinegar› 1 teaspoon finely chopped

fresh rosemary› salt and pepper› 2 tbsp roasted pumpkin seeds

directions

› Preheat oven to 350° F. Toss carrot, parsnip, celery root and squash with shallots, olive oil and thyme and season lightly. Place in an 8-cup baking dish and roast for 30 to 40 minutes, until vegetables are equally tender. Remove thyme sprigs.

› Heat 1 tbsp oil and sauté shallot for 1 minute over medium heat. Whisk in mustard, vinegar and rosemary and reduce heat to low. Whisk in remaining 6 tbsp oil in a slow drizzle and season to taste.

› When ready to serve, toss vegetables with vinaigrette, garnish with pumpkin seeds. Serves 6 as a side dish.

More recipes can be found online at foodnetwork.ca. NCPair this hearty side

dish with a roast for a real crowd-pleaser

Abbeydale ............................................664Albert Park ...........................................730Applewood ..........................................768Calgary International Airport ............624Castleridge ..........................................676Castleridge Estates .............................678Coral Springs ......................................688Deerfoot/Skyline Ind Park ..................615Dover ...................................................738Dover Glen ..........................................736Eastfi eld ..............................................748Erin Woods ..........................................740Falconridge ..........................................680Fonda ...................................................726Forest Heights .....................................762

Forest Lawn .........................................764Franklin/Meridian Ind Park ................630Horizon Industrial Park ......................640Marlborough .......................................660Marlborough Park ...............................662Martindale ...........................................682Mayland Heights ................................600Mayland Heights East ........................604Mccall/Airways Ind Park ....................610Monterey Park .....................................670Parkridge Estates .................................671Penbrooke............................................766Pineridge .............................................668Radisson Heights ................................728Red Carpet/Mountview Mhp .............770

Rundle .................................................666Saddle Ridge .......................................645Southview............................................732Valleyfi eld ...........................................744Vista Heights .......................................605West Dover ..........................................734Whitehorn ...........................................672Stoney Industrial.................................625Sunridge Industrial Park ....................635Taradale ...............................................684Temple .................................................674


DiscoveryRidge

SARC

EE T

RAIL

SpringbankHill

SignaturePark

StrathconaPark

RichmondHill

SignalHill

Christie Park

Aspen Woods

West SpringsCoachHill

Patterson

SpruceCliff

Cougar Ridge

The Slopes

Wildwood

TRANSCANADA HIGHWAY

Sunalta

Scarborro Connaught VictoriaPark

Mission

Erlton

Roxboro

Parkhill/Stanley Park

Windsor Park

Bankview

BritanniaElboya

MountRoyalSouth

CalgaryElbowParkAltadore/

River Park

MeadowlarkPark

Downtown East Village

Eau Claire

WestEnd

WestgateShaganappi

Roscarrock

Glendale

Glenbrook

Glamorgan

Killarney

Richmond

RutlandPark

LincolnPark

CFBCurrie

Cresmont

Lakeview

Kelvin GroveKingsland

Chinook Park

Haysboro

Southwood

CanyonMeadows

ShawneeSlopes

CanyonMeadowsEstates

Pumphill

Palliser

MAC

LEOD

TRA

IL

LakeviewVillage

NorthGlenmore Park

Bel Air

Eagle Ridge

Bayview

Braeside

OakridgeEstates

Oakridge

Cedarbrae

WoodlandWoodbine

MillriseEvergreen

Bridlewood Somerset

MARQUIS OF LORNETRA

Shawnessy

The role of The Canadian home is

CruCial, with the majority of Canadians (77 per cent) indicating their home is an investment rather than an expense, according to a recent Scotiabank poll.

Canadians view their home as

key investment tool

“What I want Canadians who are feeling a little overwhelmed in paying off their mortgages to know is that paying off their mortgage is totally achievable, and the great news is that a number of Canadians who were in the same position have reached the goal of being mortgage-free,” says David Stafford, managing director of real estate secured lending at Scotiabank. “With rates at historic lows, there’s never been a better time to take years off your mortgage. We’ve helped customers across the country become mortgage-free faster. By visiting our financial advisors, you can receive personalized advice on how to do the same without an impact on your lifestyle.”

Two-thirds of Canadians report owning a home. for Canadian homeowners, 40 per cent are living mortgage-free.

The majority of Canadians agree it is important to become mortgage-free as soon as possible.

The most common step Canadians are taking to pay off their mortgage faster is to increase the frequency of their regular payments.

one-third of Canadians say they will be relying on their home equity to support them in retirement.

The investment may extend beyond retirement for some; among those mortgage holders not yet retired, one-third (32 per cent) say they will likely still have their mortgage when they retire. That said, Canadians are eager to leave their mortgages behind, with almost three-quarters (72 per cent) of Canadian mortgage holders taking at least one step to becoming mortgage-free faster. When it comes to mortgage-mindset, Canadians are thinking in the right direction:


81%

29%

34%

69% 40%

mortgagepoll

Need a mortgage?Call 403-863-1293 today!

Mortgage SpecialiSt5015 Centre Street NW,

Calgary AB T2K 0S9

Fax: 403-202-2182Email: [email protected]

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My experience and service will work for you.

Five year fixed rate 2.99%all subject to change, lender qualifications will apply


Abbeydale ............................................664Albert Park ...........................................730Applewood ..........................................768Calgary International Airport ............624Castleridge ..........................................676Castleridge Estates .............................678Coral Springs ......................................688Deerfoot/Skyline Ind Park ..................615Dover ...................................................738Dover Glen ..........................................736Eastfi eld ..............................................748Erin Woods ..........................................740Falconridge ..........................................680Fonda ...................................................726Forest Heights .....................................762

Forest Lawn .........................................764Franklin/Meridian Ind Park ................630Horizon Industrial Park ......................640Marlborough .......................................660Marlborough Park ...............................662Martindale ...........................................682Mayland Heights ................................600Mayland Heights East ........................604Mccall/Airways Ind Park ....................610Monterey Park .....................................670Parkridge Estates .................................671Penbrooke............................................766Pineridge .............................................668Radisson Heights ................................728Red Carpet/Mountview Mhp .............770

Rundle .................................................666Saddle Ridge .......................................645Southview............................................732Valleyfi eld ...........................................744Vista Heights .......................................605West Dover ..........................................734Whitehorn ...........................................672Stoney Industrial.................................625Sunridge Industrial Park ....................635Taradale ...............................................684Temple .................................................674


DiscoveryRidge

SARC

EE T

RAIL

SpringbankHill

SignaturePark

StrathconaPark

RichmondHill

SignalHill

Christie Park

Aspen Woods

West SpringsCoachHill

Patterson

SpruceCliff

Cougar Ridge

The Slopes

Wildwood

TRANSCANADA HIGHWAY

Sunalta

Scarborro Connaught VictoriaPark

Mission

Erlton

Roxboro

Parkhill/Stanley Park

Windsor Park

Bankview

BritanniaElboya

MountRoyalSouth

CalgaryElbowParkAltadore/

River Park

MeadowlarkPark

Downtown East Village

Eau Claire

WestEnd

WestgateShaganappi

Roscarrock

Glendale

Glenbrook

Glamorgan

Killarney

Richmond

RutlandPark

LincolnPark

CFBCurrie

Cresmont

Lakeview

Kelvin GroveKingsland

Chinook Park

Haysboro

Southwood

CanyonMeadows

ShawneeSlopes

CanyonMeadowsEstates

Pumphill

Palliser

MAC

LEOD

TRA

IL

LakeviewVillage

NorthGlenmore Park

Bel Air

Eagle Ridge

Bayview

Braeside

OakridgeEstates

Oakridge

Cedarbrae

WoodlandWoodbine

MillriseEvergreen

Bridlewood Somerset

MARQUIS OF LORNETRA

Shawnessy

The role of The Canadian home is

CruCial, with the majority of Canadians (77 per cent) indicating their home is an investment rather than an expense, according to a recent Scotiabank poll.

Canadians view their home as

key investment tool

“What I want Canadians who are feeling a little overwhelmed in paying off their mortgages to know is that paying off their mortgage is totally achievable, and the great news is that a number of Canadians who were in the same position have reached the goal of being mortgage-free,” says David Stafford, managing director of real estate secured lending at Scotiabank. “With rates at historic lows, there’s never been a better time to take years off your mortgage. We’ve helped customers across the country become mortgage-free faster. By visiting our financial advisors, you can receive personalized advice on how to do the same without an impact on your lifestyle.”

Two-thirds of Canadians report owning a home. for Canadian homeowners, 40 per cent are living mortgage-free.

The majority of Canadians agree it is important to become mortgage-free as soon as possible.


one-third of Canadians say they will be relying on their home equity to support them in retirement.

The investment may extend beyond retirement for some; among those mortgage holders not yet retired, one-third (32 per cent) say they will likely still have their mortgage when they retire. That said, Canadians are eager to leave their mortgages behind, with almost three-quarters (72 per cent) of Canadian mortgage holders taking at least one step to becoming mortgage-free faster. When it comes to mortgage-mindset, Canadians are thinking in the right direction:


81%

29%

34%

69% 40%

mortgagepoll


Acadia ...................................................215Auburn Bay ..........................................365Blackfoot Mobile Park .........................217Chaparral ..............................................280Copperfi eld .........................................355Cranston ...............................................360Deer Ridge ...........................................265Deer Run ..............................................270Diamond Cove .....................................252Douglas Glen .......................................320Douglas Ridge ......................................330Douglasdale Estates ............................325Fairview ................................................210

Foothills Industrial Park ......................340Highfi eld ..............................................205Inglewood ............................................200Lake Bonavista .....................................235Lake Bonavista Downs ........................245Lake Bonavista Estates ........................240Lynnwood Rdg/Riverglen/Ogden ......300Mahogany ............................................375Manchester ...........................................207Maple Ridge .........................................230Mckenzie Lake .....................................335Mckenzie Towne ..................................345Midnapore ............................................255

New Brighton .......................................350Ogden/Lynnwood ................................305Parkland ................................................260Quarry Park ..........................................315Queensland ..........................................250Ramsay .................................................202Riverbend .............................................310Seton .....................................................370South Hill .............................................306Sundance ..............................................275Willow Park ..........................................220Willow Park Estates .............................225


FoothillsIndustrial Park

ShepardIndustrial Park

OgdenLynnwood

Riverbend

MapleRidge

Manchester

Fairview

Highfield

InglewoodRamsay

Acadia

Willow Park

MAC

LEOD

TRA

IL

DEER

FOOT

TRA

IL

MARQUIS OF LORNE TRAIL

GLENMORE TRAIL

WillowPark Est

Parkland

Lake BonavistaLake

BonavistaEstates

Midnapore

Sundance

DouglasdaleEstates

DouglasRidge

McKenzieTowneMcKenzie

Lake

DeerRun

DeerRidge

Copperfield

NewBrighton

Cranston

AuburnBay

Seton

LakeChaparral

Douglas Glen

DiamondCove

Queensland

F I N D Y O U R H A P P Y P L A C E

h o m e T R A D E R . c a



Acadia ...................................................215Auburn Bay ..........................................365Blackfoot Mobile Park .........................217Chaparral ..............................................280Copperfi eld .........................................355Cranston ...............................................360Deer Ridge ...........................................265Deer Run ..............................................270Diamond Cove .....................................252Douglas Glen .......................................320Douglas Ridge ......................................330Douglasdale Estates ............................325Fairview ................................................210

Foothills Industrial Park ......................340Highfi eld ..............................................205Inglewood ............................................200Lake Bonavista .....................................235Lake Bonavista Downs ........................245Lake Bonavista Estates ........................240Lynnwood Rdg/Riverglen/Ogden ......300Mahogany ............................................375Manchester ...........................................207Maple Ridge .........................................230Mckenzie Lake .....................................335Mckenzie Towne ..................................345Midnapore ............................................255

New Brighton .......................................350Ogden/Lynnwood ................................305Parkland ................................................260Quarry Park ..........................................315Queensland ..........................................250Ramsay .................................................202Riverbend .............................................310Seton .....................................................370South Hill .............................................306Sundance ..............................................275Willow Park ..........................................220Willow Park Estates .............................225


FoothillsIndustrial Park

ShepardIndustrial Park

OgdenLynnwood

Riverbend

MapleRidge

Manchester

Fairview

Highfield

InglewoodRamsay

Acadia

Willow Park

MAC

LEOD

TRA

IL

DEER

FOOT

TRA

ILMARQUIS OF LORNE TRAIL

GLENMORE TRAIL

WillowPark Est

Parkland

Lake BonavistaLake

BonavistaEstates

Midnapore

Sundance

DouglasdaleEstates

DouglasRidge

McKenzieTowneMcKenzie

Lake

DeerRun

DeerRidge

Copperfield

NewBrighton

Cranston

AuburnBay

Seton

LakeChaparral

Douglas Glen

DiamondCove

Queensland

F I N D Y O U R H A P P Y P L A C E

h o m e T R A D E R . c a

Hellen Buttigieg, CPO, is a Certified Professional Organizer, life coach, TV host and owner of We Organize U. Visit her website, WeOrganizeU.com, for a free e-Book on how to find more time, energy and inner peace. Contact Hellen at 905.829.2219 or [email protected]

holidaytips

Replace holiday stress with holiday joyB y h e l l e n B u t t i g i e g

Holiday season strikes fear in the hearts of many. Instead of visions of sugar plums we

get visions of mad mall dashes, credit card bills and lots of cleaning to do. Put years past behind you and make a few simple changes. These tips will help replace the holiday stress with holiday joy.

›› Avoid gifts that clutter Give gifts that can be consumed rather than those that take up space. Consider giving candles, gourmet food baskets, vintage wines, fresh floral arrangements, jams and jellies, etc. Gift certificates are also appreciated by those who want to streamline their homes.

›› Clear away the ‘everyday’ For more impact and less clutter, remove your everyday decorative items from tabletops and mantels before you display your holiday decorations. You can store them temporarily in the boxes that held your decorations.

›› Under-decorate If you find it overwhelming to decorate every room of your home for the holidays, consider a new approach. Decorate the one or two rooms you’ll use the most over the season and see how you feel. Chances are you and your family won’t miss the extra knick-knacks and you may even enjoy the holidays more because you’ll be less stressed. You will be especially appreciative when it comes time to take down the decorations and put them away.

›› Help for the host Hosting a holiday soirée this year? Don’t be a superhero – accept help. Make it a potluck. People enjoy contributing and it makes the meal more interesting. While you’re at it, consider putting your kids to work during the event or hiring students to help out. They can take coats as guests arrive, freshen up the appetizer plates and load the dishwasher. They’ll be learning valuable skills and perhaps making some extra money and you’ll be a more relaxed and joyful host!

›› Avoid mall madness Do you get stressed when shopping for gifts at the mall this time of year? Do the long lineups and limited parking dampen your holiday spirit? There’s still time to shop online and have your items delivered in time. Many retailers offer free shipping or other incentives this time of year. Another option is to hire a personal shopper. Some major department stores actually offer this service at no cost, so ask.

›› Make it meaningful Connect to what the holidays are really all about – spending time and making special memories with the people you love. Make time for doing fun things together, like baking cookies, going downtown to see the holiday lights and festive store windows, renting a favourite family movie or going skating at the local rink. An effective way to make time for these activities is to let go of the need to create the perfect home, buy the perfect gifts, and cook the perfect holiday meal. Perfection is unattainable, no matter how organized and talented you are (especially this time of year).

›› Be an early bird Wrap and ship your holiday gifts to out-of-town friends/family early to avoid rush postage costs and long lineups at the post office.

›› Track your spending Consider paying by debit instead of credit when shopping for gifts to avoid the shock of your credit card statement in January. Another option

is to put all your purchases on one credit card and only use that card for gift-buying; with most cards you can track your spending by viewing the balance online.

›› Guilt-free Holidays Take a day to catch up on unfinished business like filing, returning calls, etc. Most of these

‘loose ends’ take only a few minutes, but are put off because they don’t seem urgent. However, you still worry about getting them done, and it takes up space in your brain. Eliminate these energy leaks and you will be free to enjoy your holidays. Hire help if you need to.

›› Pick a calendar that works Invest time in choosing the right calendar system for you. Go to an office supply store and take a few minutes to look through the options. Are you a visual person who prefers a paper-based planner or a digital person who relates to an app or a computer program? Do you like a large desk blotter-type calendar or does a pocket-sized appointment book make more sense? Which format do you prefer: day-, week-, or month-at-a-glance? Making the best decision for you now will pay off many times over the new year.

FOr mOre imPaCT and less ClUTTer, remOVe yOUr eVeryday deCOraTiVe iTems FrOm TaBleTOPs and manTels BeFOre yOU disPlay yOUr HOliday deCOraTiOns. yOU Can sTOre THem TemPOrarily in THe BOxes THaT Held yOUr deCOraTiOns.


With the cold weather upon us, homeowners may wonder whether

they have enough space to accommodate their families, pets and holiday guests all winter long. Additions can be notoriously time-consuming and costly, but that doesn’t mean you have to feel cramped in your current space. To add livable square footage to your existing home, look to a space you may not be using to its full potential: the basement. With a bit of strategy and a few tools like this, you can add signi� cant functional space in no time:WALLS A fresh coat of paint is

widely accepted as one of the easiest and most cost-e� ective ways to spruce up the appearance of any space. However, choosing the right paint for the job is just as important as the colour. Basement walls are more prone to moisture, mold and mildew damage, so the better paint companies have developed protective coatings. Very popular is one by Pratt & Lambert called Blok-Tite masonry waterproo� ng paint. Used for both interior and exterior application, the waterproo� ng coating is formulated to create a nearly impenetrable barrier to common moisture conditions and can even be applied directly to masonry walls and cinderblock. Don’t forget to paint trim, molding and window casings for an instantly refreshed look.FLOORING It may seem a

daunting task, but updating your basement � oor covering will do wonders to improve the look of this space and make it a cozy, usable

area. Again, moisture can be an issue in sub-ground spaces, so consider water-resistant options such as stained concrete, natural stone or porcelain tiles. If you are working on a budget, you may also look at today’s laminate and vinyl tile options, which are available in a wide variety of � nishes and styles; some even imitate the popular look of hardwood and luxurious stone. Carpeting is also a great option to make a space cozier, but be sure to have an adequate sub-� oor in place to avoid water damage and replacement down the road. Add bright area rugs or mats at the garage entrance or stairwell to give the room a warm, welcoming feel.FURNITURE No matter how you

plan to use your new living space, some sort of furniture update is likely in the cards. Whether it’s a game room, family area, playroom or man cave, you’ll need solutions for seating, storage and entertainment. Even if you don’t have the budget to invest in new furniture, you can

easily make old pieces or garage sale � nds like-new. Sand and re� nish wooden pieces, or paint them a matte colour for a more modern look. Reupholster an old sofa or simply purchase a furniture slipcover for an instant � x. Recover old chair and couch cushions, and add decorative pillows and throws for a stylish � air.LIGHT Basements don’t o� er much

natural light, so updating this space will probably call for a signi� cant lighting overhaul. If your ceiling itself calls for a makeover, installing recessed or overhead lights in the process shouldn’t be too much of a hassle. If you don’t plan on redoing the basement ceiling, you can avoid the complications of electrical rewiring and instead use a variety of standing lights, table lamps and wall sconces to brighten even the darkest of lower levels. By focusing on a few key areas of basement space, you’ll have a brand new room to enjoy. NC

Beautiful Basements made easy

aroundthehouse


b r i t i s h c o l u m b i a & a l b e r t a

JANUARY 2013

Gleniffer Lake • Gull Lake • Sylvan Lake • Invermere/Columbia Valley • Okanagan Region • Vancouver Island

Real PRoPeRties

With the cold weather upon us, homeowners may wonder whether

they have enough space to accommodate their families, pets and holiday guests all winter long. Additions can be notoriously time-consuming and costly, but that doesn’t mean you have to feel cramped in your current space. To add livable square footage to your existing home, look to a space you may not be using to its full potential: the basement. With a bit of strategy and a few tools like this, you can add signi� cant functional space in no time:WALLS A fresh coat of paint is

widely accepted as one of the easiest and most cost-e� ective ways to spruce up the appearance of any space. However, choosing the right paint for the job is just as important as the colour. Basement walls are more prone to moisture, mold and mildew damage, so the better paint companies have developed protective coatings. Very popular is one by Pratt & Lambert called Blok-Tite masonry waterproo� ng paint. Used for both interior and exterior application, the waterproo� ng coating is formulated to create a nearly impenetrable barrier to common moisture conditions and can even be applied directly to masonry walls and cinderblock. Don’t forget to paint trim, molding and window casings for an instantly refreshed look.FLOORING It may seem a

daunting task, but updating your basement � oor covering will do wonders to improve the look of this space and make it a cozy, usable

area. Again, moisture can be an issue in sub-ground spaces, so consider water-resistant options such as stained concrete, natural stone or porcelain tiles. If you are working on a budget, you may also look at today’s laminate and vinyl tile options, which are available in a wide variety of � nishes and styles; some even imitate the popular look of hardwood and luxurious stone. Carpeting is also a great option to make a space cozier, but be sure to have an adequate sub-� oor in place to avoid water damage and replacement down the road. Add bright area rugs or mats at the garage entrance or stairwell to give the room a warm, welcoming feel.FURNITURE No matter how you

plan to use your new living space, some sort of furniture update is likely in the cards. Whether it’s a game room, family area, playroom or man cave, you’ll need solutions for seating, storage and entertainment. Even if you don’t have the budget to invest in new furniture, you can

easily make old pieces or garage sale � nds like-new. Sand and re� nish wooden pieces, or paint them a matte colour for a more modern look. Reupholster an old sofa or simply purchase a furniture slipcover for an instant � x. Recover old chair and couch cushions, and add decorative pillows and throws for a stylish � air.LIGHT Basements don’t o� er much

natural light, so updating this space will probably call for a signi� cant lighting overhaul. If your ceiling itself calls for a makeover, installing recessed or overhead lights in the process shouldn’t be too much of a hassle. If you don’t plan on redoing the basement ceiling, you can avoid the complications of electrical rewiring and instead use a variety of standing lights, table lamps and wall sconces to brighten even the darkest of lower levels. By focusing on a few key areas of basement space, you’ll have a brand new room to enjoy. NC

Beautiful Basements made easy

aroundthehouse

b r i t i s h c o l u m b i a & a l b e r t a

JANUARY 2013

Gleniffer Lake • Gull Lake • Sylvan Lake • Invermere/Columbia Valley • Okanagan Region • Vancouver Island

Real PRoPeRties

Call Nancy Direct (250)514-4750

Nancy Vieira

Nancy VieiraCall Nancy Direct (250) 514-4750for Victoria & Southern Vancouver Island

See Photos and Virtual Tour of Properties at www.nancyvieira.com

ISLAND LIVING AT its BEST! Make this the best move of your life!

PORT

REN

FREW

CENT

RAL

SAAN

ICH

DUNC

AN

$235,0002.47 acresDrilled well

$189,9001.01 acreswalk to French Beach

$1,200,0003.14 AcresOcean front estate lot

$259,000 2 bed/1 bathUltra modern lower half duplex. Ocean and Mountain views. No Fees

$69,9002 bed/ 2 bathManu Single-WidePad rent: $375/mth

$269,9003 bed/ 2 bath Half Duplex. Huge Corner lot. No fees

$77,7773 bed/ 2 bathManu Double-WidePad rent: $455/mth

$459,000Ultra modern top fl oors half duplex. Ocean and Mountain views, no fees3 bed/ 3 bath

$649,9003 bed/3 bath, Ocean View, 2.83 Acres Lower Suite.

$134,9002 bed/ 1 bathM Assmt: $214No Restrictions!

$449,900 4 Bed/ 2 BathBright family home0.36 acre. Hot Tub!

$799,9003 bed/ 3 bathOcean Views2.56 Acres

$199,9001.99 AcresRural building lot

$165,000BusinessTurn Key OperationYarn Store

SOOK

E

SOOK

E

SOOK

ESO

OKE

SOOK

E

SOOK

E

SOOK

ESO

OKE

SOOK

E

SOOK

ESO

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IVER

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IA

Call Nancy Direct (250)514-4750Virtual tours at www.nancyvieira.com • [email protected] •Toll Free 1.800.665.5303Victoria 250.384.8124 • West Shore 250.478.9141 • Sooke 250.642.3240 • Mill Bay 250.733.0770Nancy VieiraNancy Vieira Victoria 250.384.8124 • West Shore 250.478.9141 • Sooke 250.642.3240 • Cobble Hill 250.743.3838

Call Nancy Direct (250)514-4750

Virtual tours at www.nancyvieira.com • [email protected] • Toll Free1.800.665.5303

LEVEL ENTRY RANCHER WITH WALK-IN BASEMENT$599,900 - 614 Parkway Place, Colwood

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PRICELESS TREASURE OFFERED! $349,900 - 7230 Sea Cliff, East Sooke

Tranquil views of Whiffen Spit & Sooke Harbour from this .26 ACRE sunny southoceanfront lot. The Silver Spray Development has wonderful plans which willonly increase your investment. City water & hydro at lot. Southern tip ofVancouver Island.

STEPS FROM THE OCEAN$499,900 - 7062 Richview Dr, Sooke

Your own Private Park in your back yard! Just about an acre (.89) Steps from theever changing Whiffen Spit Park. Lots of land for farm style gardening. Toweringfir trees lead into a quiet glen where you find a private fire pit and an area tobuild a small cottage for your guests! RV, Boat or Yacht fit can easily fit!

PRIVACY $599,900 - 681 Seedtree, Sooke

Panoramic mountain views! 1.43 acre property with welcoming Kio pond &beautifully fenced garden. Level entry custom built, stunningly beautiful home withopen plan, 10 ft ceilings, solid oak flooring & gourmet kitchen. Spacious master onmain boasts ensuite with luxurious soaker tub & separate double shower.

SOUTH COAST PARADISE FOUND Chalets start at $299,900 - Trailhead, Jordan River

Located in a coastal temperate rain forest, Sooke enjoyssome of the mildest weather in Canada. "Nature at YourDoorstep" with west coast salmon fishing, whale andsea life watching, bird watching right at your doorstep.The Juan de Fuca Trail, West Coast Trail, beautiful westcoast beaches: China Beach, Mystic Beach, BotanicalBeach are all within a short hike or drive. ComeExperience the Pacific Coast surfing at Jordan River andSombrio Beach. Unlimited natural sightseeing or justrelax and unwind! Less than one and half hour scenicdrive to BC's capitol city, Victoria: Butchart Gardens,museums, music and arts festivals, world-class shoppingand dining. A short 20 minute drive from the small townof Sooke for dining,Art Galleries, Spas, grocery shopping,services, and the world famous Sooke Harbour House.Within 1 1/2 hours drive to numerous golf courses:Olympic View, Bear Mountain and Oak Bay. Get yourpiece of west coast paradise.

Open Saturday and Sunday 12 pm to 4 pm

Nancy Vieira Right 9/11/09 3:29 PM Page 1

See Photos and Virtual Tour of Properties at www.nancyvieira.com

ISLAND LIVING AT its BEST! Make this the best move of your life!

$989,900183 acresPort Renfrew

PORT

REN

FREW

$279,900Ocean View Lot0.39 acres

CENT

RAL

SAAN

ICH

$157,0002 bed/ 2 bathCondo fee $221DU

NCAN

$199,900Wild Coast Cottages, Ocean side walking path, Boat Launch, Monthly Fee $131PO

RT R

ENFR

EW

$163,0002 bed/ 1 bathManu Single-WidePad rent: $427/mthCE

NTRA

L SA

ANIC

H

$235,0002.47 acresDrilled well

$69,9002 bed/ 2 bathManu Single-WidePad rent: $375/mth

$269,9003 bed/ 2 bath Half Duplex. Huge Corner lot. No fees

$134,9002 bed/ 1 bathM Assmt: $214No Restrictions!

$449,900 4 Bed/ 2 BathBright family home0.36 acre. Hot Tub!

$799,9003 bed/ 3 bathOcean Views2.56 Acres

$165,000BusinessTurn Key OperationYarn Store

$249,9003 bed/ 2 bathTimber Chalet

JORD

AN R

IVER $499,900

Greenhouses on 8 AcresCO

BBLE

HIL

L

$1,500,000Two HomesRevenue Property13.19 acres

$299,900. Top Floor Condo2 Bed/ 2 BathOver 1400 Sq. Ft.M Assmt: $275

DUNC

AN

$889,0002 bed/ 1 bath3.7 acresOcean front

SOOK

E

COBB

LE H

ILL

$269,9001 bed/ 2 bath 1.05 acresWalk to lake

YOUB

OU

$474,0005 bed/ 5 bathOcean and Mountain views1.01 AcresFR

ENCH

BEA

CH

$549,9004 bed/ 2 bath.61 AcreHandcrafted log home

COBB

LE H

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$325,0002 bed/ 2 bathTop Floor RemediatedM Assmt: $214

VICT

ORIA

OUT OF TOWN

Bragg Creek

Black DiamondTurner Valley

Cochrane

Airdrie

StrathmoreStandard

HussarChestermere

Langdon

Shepard

DalemeadDeWinton Carseland

Mossleigh

Arrowwood

Gleichen

ClunyBassano

Milo

Blackie

Okotoks

LongviewHigh River

Cayley

Nanton

Stavely

Claresholm

Vulcan

Champion

Caramangay

Crossfield

Didsbury

Cremona

Bearspaw

Balzac

Carstairs

AcmeCarbon

Rockyford

Beieker

Irricana

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CALGARY

RICHARD KIMRE/MAX HOUSE OF REAL ESTATE

C 403.616.0734 ♦ E [email protected] ♦ F 403.476.5200

W www.richkim.ca#20, 2439 - 54th Ave. S.W.

Calgary, AB T3E 1M4House of Real EstateIndependently Owned and Operated

Stunning new estate • home

4139sf plus a fully • fi nished basement

5 full and 1 half baths•

4 car oversized • attached garage

Top-of-the-line • fi nishings throughout

Alberta New Home • registered builder

Exceptional building • site

Over 3 acres•

Near Lac St. Anne•

Perfect spot to build a • vacation home

WATERMARK AT BEARSPAW, 300 SPYGLASS WAY • $2,150,000 BELLE VISTA ESTATES NEAR LAC ST. ANNE • $79,900

Prime location-walk • to U of C

Professionally • renovated bungalow

Virtually a new house •

Stunning kitchen with • built in wall oven

4 bedrooms and• 3 full baths

Oversized double • garage

Backing a peaceful • wooded green space

2371 sf plus a fully • fi nished walkout basement!

Stunning home • featuring granite, hardwood, etc

Newly renovate • walkout basement

2 storey great room • with views!

CHARLESWOOD - 2507 34 AVE. NW • $779,000 2435 CORTINA DR SW • $769,000

Over 2000sf main • fl oor offi ce condo

Confi gured with 7 • offi ces & open area

M• ens and ladies washrooms and storage

I• ncludes 4 parking stalls and visitor parking

Ideal for professional • corporation

Walk to Chinook • C-train

O• ver 2 acres of privacy

Less than 10 mins to • city limits

Walking distance to • the lake

2658sf plus a fully • fi nished basement

3 bedrooms up plus 3 • more in the basement

O• versized double garage

Gorgeous tree lined • pie lot

#102, 5740 2ST SW, MANCHESTER. OFFICE CONDO FOR SALE • $675,000 315 LANSDOWN ESTATES CHESTERMERE • $779,900

Exceptional 2 • bedroom 2 bath unit

Gorgeous granite • counters throughout

Large master suite • with 2 closets

Underground parking•

Amenities include • indoor pool and exercise facility

Walk to new • Westbrook LRT!

Highly sought after • ridge location

Spectacular views!!!•

3170 sf plus 1272 sf • lower lever

Single attached plus • double detached garage

Top-of-the-line • fi nishing’s

Still time to pick your • colors

THE ENCORE TOWER - 505, 77 SPRUCE PLACE SW • $369,000 2912 TORONTO CRESENT NW • $2,225,000

featureproperty

River ValleyCranston estate home is steps away from

An estate home that shows like new, and is connected to a picturesque natural setting with kilometres of walking paths just steps from the front door, is an ideal choice for an active family.

Located in the estate area of Cranston in south Calgary, this immaculate 2,350-sq.-ft., three-bedroom, two-storey “is a well maintained, wonderful family home that features multiple updates including new hardwood through the main level, carpet, paint and custom window coverings including shutters,” says Realtor Debbie Rice. She and fellow Realtor Don Lothian are the Lothian Rice team at RE/MAX Landan Real Estate.

“It’s a warm and inviting home with dark hardwood floors on the main and rich neutral tones that give it a comfortable

feel,” Debbie says. “There are windows galore throughout the home making it bright and airy. It comes with two high-efficiency furnaces, a vacuum system, knockdown ceilings and rounded corners.”

The location is its biggest benefit – only a few steps from the ridge in Cranston with panoramic views of the Bow River Valley and Rocky mountains, and a network of pathways connect to the nature of Fish Creek Park.

The home presents great curb appeal. Stucco, stone and well-appointed windows contribute to the quiet Cranston cul-de-sac. You’ll love the two-storey entrance foyer and how it connects the bright spaces inside. The entry is open to the front

B y H e at H e r r ya n

Cranston estate home is steps away from

flex room that makes an ideal home office, den or cosy sitting room limited only by your imagination.

A generous living room features a three-sided fireplace between the living room and dining nook. “The equally generous dining nook has a raised ceiling with transom windows streaming in sunlight year round,” Debbie says. A door off the nook leads to a custom exposed aggregate concrete patio extending your dining to the great outdoors.

A delectable kitchen features maple cabinetry, granite countertops and high-end stainless steel appliances including fridge with water and ice dispenser, stove with convection oven and built-in dishwasher. An expansive raised island with built-in wine cooler and breakfast bar seating is an invitation for guests to draw in and socialize.

“The open island, dining nook and living room make this a great home for entertaining,” Debbie says.

A glazed door in the kitchen to the walk-through pantry opens through a second glazed door to the main floor laundry. In the same area of the entry from the double-car front attached garage is an adjacent a convenient half-bath.

Upgraded carpeting in the home was installed just a year ago and begins on the staircase and runs throughout the upstairs, with tile floors in the bathrooms. Halfway to the second level the stairs split with one way going toward the bedrooms and the other to the bonus room.

“The bonus room is large and bright with five windows and it’s a perfect place to watch TV with the family,” Debbie says.

Owners will adore their spacious master bedroom that can accommodate a king-size bed and big furniture, and comes with a good-sized walk-in closet and a luxurious ensuite that features a long granite-topped vanity with under mount dual sinks and a makeup table, corner jetted tub and separate walk-in shower.

The two secondary bedrooms are a generous size as they can easily fit a queen-size bed and furniture and one has a built-in desk. There is also a main full bathroom with a granite-topped vanity with under mount sink.

Heading to the lower level, the space is undeveloped so you can create whatever you desire, Debbie says.

“The south-facing backyard is really lovely in the summer,” she says, noting it’s fully fenced and has been professionally landscaped.

Homeowners will also appreciate that Cranston offers several amenities such as the 22,000-sq.-ft. Century Hall and its surrounding seven-acre park, outdoor hockey rink, splash park, tennis and basketball courts and toboggan chute.

Cranston Market is also right in the community, which features a grocery store, restaurants, banking and other shops and services, and the community has two new schools. It’s also near the new hospital in south Calgary.

For more information on this Cranston estate home, contact the Lothian Rice team at RE/MAX Landan Real Estate, 403-256-3888, or visit calgaryrealestate.org.

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B Y H E AT H E R R YA N

on steady paceon steady paceResidential

sales activity

Residential sales activity in November in the city of Calgary continued to make gains over last year’s pace despite the

typical seasonal slowdown, according in � gures released by the Calgary Real Estate Board (CREB).

The combined residential sales – single-family homes and condos – were 1,457 in November, up 8.3 per cent from last November’s 1,345 in sales. After the first 11 months of the year, combined residential sales within city limits totalled 20,128, a 15.2 per cent increase over the 17,471 in sales recorded in the same time period in 2011.

Single-family sales in November in the city of Calgary were 1,006, a 5.45 per cent hike over November 2011’s 954, although a 14.3 per cent drop from the 1,174 sales in October.

Condo sales in the city of Calgary were also up in November from the previous year. Condo apartment sales totalled 253 in November, a 4.98 per cent increase over the 241 sales recorded in November 2011, but a 7.0 per cent decrease from October’s 272. Meanwhile, condo townhome sales were 198 in November, an amazing 32 per cent hike over last November’s 150 total, although a 9.6 per cent decline from the 219 sales recorded in October.

� e fall o� of sales from October to November “is fairly typical at this time of year; we typically see a seasonal slowing of activity in November and December,” says CREB president Bob Jablonski. “However, the good news is November’s sales were

still higher than last November’s so there is good activity out there and we’re experiencing a balanced market, but that can change to a sellers’ market if we continue to see a lack of listings.”

� e number of new listings added in the city of Calgary was down again in all categories in November.

� e number of new single-family homes listings added in November totalled 1,157, a 28.4 per cent drop from October’s 1,616, and down 9.3 per cent from the 1,275 new listings added last November.

New condo apartment listings added in November were 286, down 31.2 per cent from the 416 in October, and a 15.4 per cent drop from the 338 recorded in November 2011, and new condo townhouse listings in November were 188, down 32.9 per cent from the 280 added in October and a 16 per cent drop from the 224 added in November 2011.

“With fewer inventories in the market, consumers are eager to view new listings and if it’s priced right and they see value they will jump on it,” Jablonski says. “However, we’re not seeing an overheated market, there’s no panic that you’re going to see a jump in price or it drop dramatically. We’re seeing a nice steady market.

“And people who can’t � nd what they are looking for in Calgary are going to the surrounding centres,” he says, noting that on the year-to-date residential sales in the towns are up 39 per cent compared to last year.

While sales slowed in November, the MLS Home Price Index benchmark price rose in all residential markets in the city of Calgary in month-to-month and year-to-year comparisons.

� e benchmark price for single-family homes in the city of Calgary in November was $433,600, an 8.5 per cent hike over the $399,700 price in November 2011 and a slight bump up from the $433,300 price recorded in October.

� e benchmark price for condo apartments in November was $248,000, 4.2 per cent higher than last November’s $238,000, and a half a per cent hike from the $247,000 price in October, while condo townhomes’ benchmark price was $282,800 in November, up 4.1 per cent from November 2011’s $271,600, and up 1.3 per cent from October’s $279,000.

“� e prices are steadily increasing, certainly not by the big uptick we saw a few years ago but it shows we’ve been through the overheated market and the recession and now we’re recovering nicely,” Jablonski says. “� ere is good migration coming into Calgary, jobs are being created and there is con� dence in the local economy, which is helping to keep the market going.”

Luxury HomesPh: 403.245.4477 toll free: 1-800-741-5741

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MORE Service, MORE Exposure, MORE Results

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$1,495,000 MLS# C3546170

$2,498,000 MLS# C3543567

$3,390,000 MLS# C3543564

$8,500,000 MLS# C3547568

$2,195,000 MLS# C3545968

Altadore – New Home

CFB Currie – New Home

Elbow Park – New Home

Mount Royal

Springbank Hill – New Home

Former •Developer secure access penthouse

Panoramic •views, 1900 sq ft 2 storey, 300 sq ft skydeck

2 bdrms, 2 full •baths, 2 heated underground parking

Sasso in Victoria Park $950,000

www.facebook.com/CalgaryCondoRealtor

www.twitter.com/CalgaryCondoRealtor

Renovated •2 bdrm 2 bath

Granite •counters, SS appliances, insuite laundry

Corner balcony •with panoramic views

Pet friendly, •well maintained building

Westbow in Connaught $324,900Quick •possession 2 bedrooms, 2 full baths

Ground fl oor •unit with patio

Insuite laundry •and computer nook

2 parking, •super amenities and lake access

Crystal Shores in Okotoks $194,000

Spacious •west facing 2 bedroom.

Granite & SS •Appliances.

Concrete •building built in 2009

Short walk to •new LRT station

Killarney 2 bedroom $299,9002 bedroom •bungalow style with basement

Vaulted ceilings •in the living room with fi replace

Kitchen with •eating bar plus dining room

Huge private •deck

Coach Hill Townhouse $249,000

Completley •renovated 2 bedroom

Granite, •Hardwood, Ensuite laundry

River Views to •the north

Spacious living •& dining room

Front desk security, •under grnd park

Phase II of •London at Heritage Station

2 bedrooms •2 Full Baths 1126 sq ft

Stunning •mountain views from the interior of unit

Single Indoor •Parking, Ensuite Laundry, Like New

2 Storey •Penthouse unit

2 bedrooms 2 •full baths

25ft West •Facing patio with great views

AC, built in •speakers, 2 indoor parking.

Princess Crossing in EauClaire $429,000

I like London Phase 2 $391,000Colors in Victoria Park $659,000

soLd

Luxury Homes residentiaL condos investments reLocationPh: 403.245.4477 toll free: 1-800-741-5741

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MORE Service, MORE Exposure, MORE Resultswww.ripco.ca

$1,495,000 MLS# C3546170

$2,498,000 MLS# C3543567

$3,390,000 MLS# C3543564

$8,500,000 MLS# C3547568

$2,195,000 MLS# C3545968

$574,900 MLS# C3547185

$415,900 MLS# C3542154

$2,395,000 MLS# C3537652

$2,795,000 MLS# C3539424

$2,695,000 MLS# C3534333

$2,195,000 MLS# C3526722

$11,500,000 MLS# C3542586

$434,900 MLS# C3537783

$819,900 MLS# C3545091

$1,295,000 MLS# C3545317

$2,250,000 MLS# C3543047

$3,280,000 MLS# C3543563

$875,000 MLS# C3539784

$1,450,000 MLS# C3543534

$1,450,000 MLS# C3537055

Altadore – New Home



Mount Royal


Arbour Lake

Cranston

Elbow Valley Estates

Cochrane Horse Ranch


Bearspaw Village – New Home

Crescent Heights

Luxstone in Airdrie

Sienna Hll

The Slopes



Meadowlark Park


Wintergreen Golf Course

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www.facebook.com/CalgaryCondoRealtor

www.twitter.com/CalgaryCondoRealtor

Quick •possession 2 bedrooms, 2 full baths

Ground floor •unit with patio

Insuite laundry •and computer nook

2 parking, •super amenities and lake access

Crystal Shores in Okotoks $194,000

2 bedroom •bungalow style with basement

Vaulted ceilings •in the living room with fireplace

Kitchen with •eating bar plus dining room

Huge private •deck

Coach Hill Townhouse $249,000

Completley •renovated 2 bedroom

Granite, •Hardwood, Ensuite laundry

River Views to •the north

Spacious living •& dining room

Front desk security, • under grnd park

Phase II of •London at Heritage Station

2 bedrooms •2 Full Baths 1126 sq ft

Stunning •mountain views from the interior of unit

Single Indoor •Parking, Ensuite Laundry, Like New

Princess Crossing in EauClaire $429,000

I like London Phase 2 $391,000

Resale Home & Condo Guide Calgary

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