Resale Home & Condo Calgary - Nov 02, 2012

Dianne [email protected] | www.diannebrown.ca

November 2 - 30, 2012 Volume 12 Issue 11

Your Best Source for Homes & Condos

Calgary Edition

INSIDE THIS ISSUE

INSURANCE AND THE CANADIAN CONSUMER

PROTECT YOUR HOME AGAINST WATER DAMAGE

HOW TO CHOOSE A REPUTABLE MOVER

COMPLETELY RENOVATED 4 BEDROOM BUNGALOW

Absolutely gorgeous!

Dianne [email protected] | www.diannebrown.ca

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

LANDAN REAL ESTATE

Parkdale - $759,0002516 1st Ave, NW- Sleek & contemporary new home in desirable Hillhurst, walking distance to the river & just a bike ride away from downtown. 3+1 bedroom 2-storey with developed basement offers 2500+ SF of living space plus double garage. Extensive use of natural stone, and granite, designer lighting & appliance packages.

Shaganappi - $499,000#3110, 24 Hemlock Cres. SW – Fabulous lo-cation, tranquil, panoramic views overlooking the golf course, beautiful & treed. 1140 SF condo with 2 indoor parking stall & a massive (450+ SF) private terrace, 2 bedrooms, each with full ensuite, gourmet kitchen w/ stain-less appliances, maple cabinetry & corian counters. Condo fee $432.00/mo.

Strathcona - $385,000#24 - 140 Strathaven Circle, SW - Beautiful unobstructed downtown views! Nestled on an extremely quiet crescent, this home over-looks an elementary school yard. Part of the desirable 50+ complex Strathaven Horizon Village, this home also includes a double garage, walkout basement and amenities only minutes away!

Springbank - $1,695,0002857 77 Street, SW - Over 5000 SF devel-oped with breathtaking panoramic views! Beautiful mountain scenery from almost every room of this heavily windowed home. 14 FT coffered ceilings, 8” baseboards, gourmet’s kitchen, wine room, wet bar and luxurious master ensuite complete with claw foot tub make this a truly executive home.

Signal Hill - $649,00044 Sienna Hills Court, SW – 4 bedroom 2-storey w/ lots of upgrades & professionally designed & developed basement w/ media room, gym & bathroom. Kitchen w/ granite counters & glass tile backsplash + contempo-rary stainless steel appliances. 3100 + SF of living space. Cul-de-sac location, big lot w/ 50-ft frontage.

Aspen Woods - $659,9005 Aspenshire Cres. SW – Superb location across from tot-lot & backing a green area! This home is absolutely like new with extensive upgrades, great room concept, full height cabinetry & granite counters in kitchen (& all bathrooms)+ contemporary stainless appliances, large dining, vaulted living w/ stone fireplace, & main floor den. Bonus room, 3 bedrooms & laundry room upstairs. Master w/ huge walk-in w/ organizers!

West Springs - $599,0002 West Jensen Place, SW – Carefree villa style bungalow living with no condo fees! 1286 SF bungalow w/ full basement, 2200+ SF total, 3 bedrooms + flex room/den, 2 fireplaces, maple kitchen w/ granite coun-ters, island/eating bar, stainless appliances, vaulted great room, master w/ jetted tub & shower w/ body sprays.

Discovery Ridge - $950,0001 Discovery Ridge Landing, SW - Contem-porary 2-storey with developed basement, south backyard & mountain views. Offering a total of 3777 SF of dramatic living space with 12-foot high ceilings, clean lines, designer lighting, hardwood flooring, solid slate countertops, lots of natural light. Ideal for entertaining, total of 5 bedrooms.

Discovery Ridge - $895,000218 Discovery Ridge Boulevard, SW - Blur the lines between inside & out w/ floor-to-ceiling windows, most evident in the living room, dining room & master suite, overlooking the beautifully landscaped yard! This 2122 SF home has 3+2 bedrooms & is finished w/ distinctive West Coast/European influenced design, dramatic 10 & 17 foot ceilings & a fully developed basement!

Signal Hill - $950,0003092 Signal Hill Drive, SW - Breathtaking, panoramic views from this 2-storey home built on a ridge. Views of the neighbour-hood, walking paths, elementary school, the foothills & Rocky Mountains beyond from all three levels! Over 3700 SF w/ the finished walkout basement! Beautifully landscaped w/ wraparound deck, 4+1 bedrooms & updated bathrooms.

Aspen Woods - $1,050,00013 Aspen Acres Manor, SW - The luxury & convenience of a new build without the wait! Backed onto a treed greenbelt, this fully developed 2-storey is located on a fam-ily friendly street just a short commute to downtown, future LRT & public & separate schools! Triple garage, gourmet’s kitchen, spa-like master ensuite & chic lighting throughout!

Springbank - $1,475,00063 Springland Way - Completely renovated! Ideal Springbank location, 2 acres, quiet street 2 minutes away from shops & services on 85th Street & 5 minutes from Aspen Landing. 3266 SF + developed basement & private office/smoking room off the garage. Granite & hardwood throughout, extensive travertine, 5 bedrooms & den

Currie Barracks - $2,895,00058 Mary Dover Drive, SW - Exquisite new bungalow, 4300 SF, with every upgrade, 60-ft lot, backing onto a large park! In the new inner-city area “urban village” of Currie Barracks, complete with a lots of character, a “high street” of shops & services, close to offices, Mount Royal U. & just minutes to downtown. Price includes all furnishings + GST.

Elbow River Estates - $1,595,00082 Elbow River Road -7000 SF of living space on a gated 4 acre lot with a circular driveway. Offers soaring ceilings, Extensive natural Rundle rock feature walls & fireplaces, lots of upgrades. 4 huge bdrms, each w/ full ensuite. 1000+ SF master suite with sitting room, balcony & 10-pc ensuite (steam shower & air-jet tub).

Parkdale - $759,0002516 1st Ave, NW- Sleek & contemporary new home in desirable Hillhurst, walking distance to the river & just a bike ride away from downtown. 3+1 bedroom 2-storey with developed basement offers 2500+ SF of living space plus double garage. Extensive use of natural stone, and granite, designer lighting & appliance packages.

Springbank - $3,956,00056 Sterling Springs Crescent – Executive retreat! Over 9500 sq ft developed, 5 bed-rooms 7 bathrooms plus all the amenities of a five star resort, including a practice green, all season sports court, awesome home theatre, huge recreation with wet bar, and an indoor salt water pool with swim-thru grotto and hot tub.

Foothills - $1,590,00028 Norris Coulee Trail - A horse lover’s paradise! 2500 SF bungalow w/ developed walkout & elaborate 1200 SF barn built to match the house on landscaped 3.68 acres. Electric fence, heated horse watering troughs, imported equine stalls w/ soft stall flooring, 3300 gallon cistern. House w/ 4 bdrms & 4 baths, heated floor in walkout & triple garage.

Springbank - $1,695,0002857 77 Street, SW - Over 5000 SF devel-oped with breathtaking panoramic views! Beautiful mountain scenery from almost every room of this heavily windowed home. 14 FT coffered ceilings, 8” baseboards, gourmet’s kitchen, wine room, wet bar and luxurious master ensuite complete with claw foot tub make this a truly executive home.

West Springs - $599,0002 West Jensen Place, SW – Carefree villa style bungalow living with no condo fees! 1286 SF bungalow w/ full basement, 2200+ SF total, 3 bedrooms + flex room/den, 2 fireplaces, maple kitchen w/ granite coun-ters, island/eating bar, stainless appliances, vaulted great room, master w/ jetted tub & shower w/ body sprays.

Signal Hill - $950,0003092 Signal Hill Drive, SW - Breathtaking, panoramic views from this 2-storey home built on a ridge. Views of the neighbour-hood, walking paths, elementary school, the foothills & Rocky Mountains beyond from all three levels! Over 3700 SF w/ the finished walkout basement! Beautifully landscaped w/ wraparound deck, 4+1 bedrooms & updated bathrooms.

Aspen Woods - $1,050,00013 Aspen Acres Manor, SW - The luxury & convenience of a new build without the wait! Backed onto a treed greenbelt, this fully developed 2-storey is located on a fam-ily friendly street just a short commute to downtown, future LRT & public & separate schools! Triple garage, gourmet’s kitchen, spa-like master ensuite & chic lighting throughout!

Cliff Bungalow - $1,250,000#4 540 21 Avenue SW -Amazing location for the elite buyer! This 3 bedroom townhome has rooftop patio w/ panoramic views, plus 4 other outdoor living spaces. Professional level kitchen, double garage (accessed from secure parkade), personal elevator, Smart Home technology & amenities of 4th Street, 17th Ave & the Elbow River!

Springbank - $1,475,00063 Springland Way - Completely renovated! Ideal Springbank location, 2 acres, quiet street 2 minutes away from shops & services on 85th Street & 5 minutes from Aspen Landing. 3266 SF + developed basement & private office/smoking room off the garage. Granite & hardwood throughout, extensive travertine, 5 bedrooms & den

Garrison Woods - $1,350,000219 Somme Avenue, SW - A rare find! Ideal inner-city location with with heated, double attached garage! 2977 SF with fully devel-oped basement, making for 4052 SF of total living space. Extensive upgrades, walnut flooring throughout, professionally designed kitchen, spacious master bedroom and re-cently completed outdoor living space!

Condominiums

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

VALLEY RIDGE

Large 2 storey home with double front attached garage has a fully developed walkout, backs onto a green space and is located on a quiet street. Spacious house – needs work.

$482,000

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.

$259,900

HIDDEN VALLEY

Immaculate & tastefully decorated 3 bedroom, 2½ bath home featuring maple laminate & tile flooring, maple cabinetry, many newer appli-ances, jetted tub, cozy gas fireplace, huge deck with gazebo & oversized double garage.

$359,900

LOWER MOUNT ROYAL

Dramatic 2 storey 2 bedroom townhouse unit in desirable Lower Mount Royal. This upgraded unit includes a loft style 2nd floor space with large master & private patio, insuite laundry & wood burning fireplace.

$331,900

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

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

CONNAUGHT

Stunning 21st floor in Vantage Pointe with breathtaking downtown views. Features private balcony, floor-ceiling windows, granite counters, black appliances, insuite laundry, contemporary/designer colors & secured/titled parking stall.

$249,900

SUNALTA

Former show-suite - almost 1000sf of living space. Hdwd, dark wood cabinetry, walk-in pan-try, master bdrm w/”California” closets & ensuite, a second bdrm & main 4 piece bathroom w/laun-dry area & walk out patio. Easy access to garage.

$229,900

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

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

BANKVIEW

What a Gem! 2 bedroom corner unit in concrete building offers a large open concept layout with an updated kitchen and bathroom. Huge private balco-ny for summer barbecuing, private parking, insuite laundry & generous storage. Fabulous location!

$229,900

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

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

MISSION

Luxury Living in these 3 bdrm, 2½ bath 2 storey townhouse or NEW 2 bdrm, 2 bath Penthouse, both feature gourmet kitchens with stainless steel appliances & granite counters, cozy fire-places & 2 u/g parking stalls.

$549,900 - $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

MCKENZIE TOWNE

Contemporary, bright & open 1850sf 3 bdrm, 2½ bath 2 storey home featuring vaulted ceilings, loads of windows, dark maple cabinetry with un-der cabinet lighting, island w/breakfast bar, walk-in pantry, s.s. appliances, & cozy fireplace.

$369,900

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

ResidentialRural

BEDDINGTON

Large 2 storey split home features a formal living & dining room, main floor laundry & a good size kitchen. Features include hardwood, vaulted ceil-ings, skylight, custom built-ins, cozy fireplace, 2 private balconies & much more.

$450,000

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.

$645,000

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.

$720,000

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

VALLEY RIDGE

Large 2 storey home with double front attached garage has a fully developed walkout, backs onto a green space and is located on a quiet street. Spacious house – needs work.

$482,000

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

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.

$638,500

HIDDEN VALLEY

Immaculate & tastefully decorated 3 bedroom, 2½ bath home featuring maple laminate & tile flooring, maple cabinetry, many newer appli-ances, jetted tub, cozy gas fireplace, huge deck with gazebo & oversized double garage.

$359,900

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.

$550,000

LOWER MOUNT ROYAL

Dramatic 2 storey 2 bedroom townhouse unit in desirable Lower Mount Royal. This upgraded unit includes a loft style 2nd floor space with large master & private patio, insuite laundry & wood burning fireplace.

$331,900

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

CLARESHOLM

Immaculate & beautifully maintained home fea-tures vaulted ceilings, crown mouldings, cozy fireplace, island w/breakfast bar, main floor laundry, large private, sunny, south yard & dbl garage. Many nearby recreational facilities.

$239,900

”

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

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

MCKENZIE TOWNE

Contemporary, bright & open 1850sf 3 bdrm, 2½ bath 2 storey home featuring vaulted ceilings, loads of windows, dark maple cabinetry with un-der cabinet lighting, island w/breakfast bar, walk-in pantry, s.s. appliances, & cozy fireplace.

$369,900

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

featurerealtor

For longtime Realtor Dianne Brown, the secret to success is simple. She doesn’t think of what she does as a job, but

rather more as building relationships to help make her clients’ dreams come true.

“For me, it’s always about my clients,” says Dianne, who works hard to ensure that her clients are happy and satis� ed with the service she provides.

“We have to realize that this isn’t as simple as buying or selling a home, this is about people’s lives,” she says, which is why she focuses on customer service. “I give each and every client the unequivocal service and support they need.”

She notes that earning the trust of clients “is vital if you are going to be successful in any endeavour, but especially so in real estate.” � is is where Dianne excels; she gets in touch with her clients needs and makes a connection that allows them to put their trust in her.

“You spend a lot of time daily talking to and being with a client over the time it takes to market or purchase a home and you play a part in making such an important decision in their lives,” she says. “I form a strong attachment to my clients and I � nd it hard to say goodbye when we � nally � nish the transaction.”

Dianne didn’t initially choose real estate as her career; she worked in accounting, as a manager and assistant buyer for a retail chain, and even worked in property management and

development before � nding her niche as a Realtor. And it was Dianne’s positive, empathetic and caring attitude that made her and real estate a perfect � t.

“I loved it right away,” says the 20-year-plus veteran with Re/Max Landan. “I love working with people, helping clients achieve their goals, and the constant unpredictable nature of the business.”

Dianne has seen many changes in the industry since she started out in the mid-1980s, especially on the technology side. “� ere is a lot more information available to the public through the Internet and other public sites and clients are a lot more informed than they were in the ’80s. Realtors also have more access to this information and have increasing requirements of disclosure and transparency, which is bene� cial for their clients.”

Dianne takes advantage of today’s technology to help her clients, in particular her website (diannebrown.ca) is a great tool for both buyers and sellers. Not only will clients � nd their properties are marketed with extensive photos, descriptions and virtual tours, there is a wealth of information she provides that goes above and beyond just listings. You can � nd homebuyer reports dealing with issues from ensuring a smooth home purchase to common buying errors to avoid. � ere are also helpful articles, home evaluations, information on how to choose a neighbourhood that is right for you, a mortgage calculator and much more.

It’s her willingness to share her expertise with her clients by providing as much advice and knowledge as possible and to go that extra step that has earned her clients’ trust and ultimately ensured her success. � is success includes awards such as Lifetime Achievement, Re/Max Chairman’s Club, Re/Max Platinum Club and the MLS Million Dollar Club. She’s also a 28-year member of the Calgary Real Estate Board.

She credits much of her success to the support of her highly experienced team that is “very accessible” and allows her the opportunity to provide exceptional customer service.

Dianne also � nds time to support Re/Max Charitable Organization, which assists local community groups and charities.

As for the current real estate market, Dianne tells Resale Home & Condo Guide: “People will continue to need places to live and those needs will continue to change. � e Calgary market has a good selection of properties and sales are above last year.

“Prices remain very a� ordable, interest rates are at an all time low and this is an excellent time to get into the market or move up to your dream home,” she says. “� e Calgary market continues to have great long-term potential.”

B Y H E AT H E R R YA N

Dianne BrownRe/Max Landan Real Estate

Email: [email protected]

Call: 403.247.5503

www.tarkan.ca

FANTASTIC CONDO WITH VIEWSThe News from Broadcast Hill: This beautifully upgraded 1 bedroom condo with panoramic views of the city & downtown skyline has an open concept fl oorplan featuring a wood-burning fi replace & plush carpeting, a cozy bedroom with a nice-sized closet & a stylish bathroom with tile. Amenities include a pool, hot tub and tennis courts. One indoor parking stall included.

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.

BEAUTIFUL HOME STEPS AWAY FROM SHOPPINGExotic Brazilian cherry hardwood fl oors, central air & 3 bedrooms up in this stylish former Avi showhome...a sunny two storey within walking distance to transit, Cardel Place & shopping. With a bright open fl oorplan, this gorgeous family home boasts a great room with a gas fi replace & built-in shelves, built-in speakers, a separate main fl oor laundry room & an eat-in white kitchen with tile fl oors & a walk-in pantry.

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.

#6 226 VILLAGE TERRACE SW $224,900

#322 107 ARMSTRONG PLACE $419,900

137 PANAMOUNT DRIVE NW $494,900

63 ROYAL RIDGE MANOR NW $949,900

MLS #C3539307

MLS #C3539308

MLS #C3537199

MLS #C3537688

Vice-President, wall2wall media Jacqueline Hilleditor-in-chief, national real estate Susan Leggeeditor Janine DrueryLydia McNutt (on leave)

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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. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32

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

cir realty David Setter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 34Jon Salois . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19Pierre Salois . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19

jayman realty Ernie Laprairie. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7

maPle leaf realty Ken Yeoh . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39

Precision real estate Dean Benoite . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 49

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

re/max real estate Alnoor Velji . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23Brian Currey . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23 Debbie Rice . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33Dianne Brown . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 Don Lothian. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 33 Gary Williams . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 37 James Cote . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24 Len T. Wong & Associates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28 Rahim Dhanji . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 37 Richard Kim. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 53 Robert Cote . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17 Ron Clappison . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25Sam Corea . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 Scott Merchant . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 39

royal lePage real estate Chris Zaharko . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 Kelly McKelvie & The McKelvie Group . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .Back Cover Kerry Stevenson . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26 Raymond Riley . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19 Ripco Marketing Team . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 54 Robbie Stevenson . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26 Serhan Tarkan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8

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

Prolink Lori Ames. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 43

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 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 47

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Volume12 Issue11 | ResaleHome&CondoGuide • 9

10 • ResaleHome&CondoGuide | Volume12 Issue11

38

Volume 12 Issue 11 | noVember 2 - 30, 2012

contentsin this issue maps & extras

18, 36, 40 and 44. Calgary maps, communities and mls numbers

20. 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: november 16th, 2012 46

16. editor’s note

24. your home focus on reno projects that will add the most value to your home

34. make your move do your research and choose your mover wisely by Dan hopkins

38. insurance Insurance products remain a mystery to many Canadians

43. insurance needs How to protect your home against water damage

46. rec properties Joint ownership can work – if you do your homework

50. feature property fabulous renovated bungalow in sought-after mayfair. featured by dianne brown at re/max landan real estate by heather ryan

52. market analysis real estate activity in Calgary outpacing last year by heather ryan

50 52

34


38

Volume 12 Issue 11 | noVember 2 - 30, 2012

contentsin this issue maps & extras

18, 36, 40 and 44. Calgary maps, communities and mls numbers

20. 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: november 16th, 2012 46

16. editor’s note

24. your home focus on reno projects that will add the most value to your home

34. make your move do your research and choose your mover wisely by Dan hopkins

38. insurance Insurance products remain a mystery to many Canadians

43. insurance needs How to protect your home against water damage

46. rec properties Joint ownership can work – if you do your homework

50. feature property fabulous renovated bungalow in sought-after mayfair. featured by dianne brown at re/max landan real estate by heather ryan

52. market analysis real estate activity in Calgary outpacing last year by heather ryan

50 52

34

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

Nellie McClung Historic Home

Built in the early 1900’s, this residence is most signifi cantly remembered for having been the home of Nellie McClung, the noted champion of women’s rights. It was designated a Provincial Historic Resource in 1978. The house is Tudor Revival in design & represents the exclusive, upper-class homes built in the Connaught neighborhood prior to the expansive boom in 1912. The 2.5 storey structure is characterized by its gabled roof, half-timbered detailing & decorative chimneys. Situated on almost 1/2 an acre, the rectangular fl oor plan of the home is still evident despite modifi cation, as are interior details that defi ne the Victorian charm of the house. Still intact are the dark stained woodwork, the central staircase & the Arts and Crafts fi replaces. The rectangular lot is 100’ x 130’ with 10 paved parking stalls at the rear + an additional 10 tandem on the side. IDEAL FOR AN OFFICE CONVERSION. $2,390,000 MLS # C3533524

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. $775,000 MLS #C3528983

Connaught - The Montana

Killarney

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

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. $719,000 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

Nellie McClung Historic Home

Built in the early 1900’s, this residence is most signifi cantly remembered for having been the home of Nellie McClung, the noted champion of women’s rights. It was designated a Provincial Historic Resource in 1978. The house is Tudor Revival in design & represents the exclusive, upper-class homes built in the Connaught neighborhood prior to the expansive boom in 1912. The 2.5 storey structure is characterized by its gabled roof, half-timbered detailing & decorative chimneys. Situated on almost 1/2 an acre, the rectangular fl oor plan of the home is still evident despite modifi cation, as are interior details that defi ne the Victorian charm of the house. Still intact are the dark stained woodwork, the central staircase & the Arts and Crafts fi replaces. The rectangular lot is 100’ x 130’ with 10 paved parking stalls at the rear + an additional 10 tandem on the side. IDEAL FOR AN OFFICE CONVERSION. $2,390,000 MLS # C3533524

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. $775,000 MLS #C3528983

Connaught - The Montana

Killarney

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

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. $719,000 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

Evergreen

Winston Heights-Mountview

ConnaughtPanorama Hills Condo

Silverado Ranch Estate Lots

Why buy a condo when you can own a home. This cute bunga-low is a great starter home for a fi rst time buyer. Large lot 37.6’ x 125.7’ with lots of room in the back for a triple garage. Perfect development lot to build your dream home. Great location within walking distance to all amenities. $334,900 MLS #C3512639

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

Welcome to Panamount Place. This spacious 2 bedroom condo features a func-tional kitchen with hardwood fl oors, maple cabinets, a raised eating bar and a dining area. The living room has a corner gas fi replace and sliding patio doors to the balcony. The master bedroom has a large window for natural light, a walk-in closet and a 4 piece ensuite. The good sized second bedroom also has a large window for plenty of natural light. 4 piece main bath with maple vanity and tub/shower combination. Den or computer room has french doors and hardwood fl oors. In-suite laundry. Titled heated underground parking (#35) with storage locker at the front of the parking stall. Great complex, close to all amenities. $244,900 MLS #C3527198

Country living within the City! The Ranches of Silverado provides true estate living with lots three times the size of typical estate lots in Calgary, surrounded by rolling foothills and wide open skies. Sil-verado boasts more than 90 acres of designated green space, parks, playgrounds and pathways, and more than 60 acres of ad-ditional environmental reserve plus a 7 acre wet pond. Amenities are plentiful from shopping, schools and transit to entertainment and recreation. Various lots available.

Fully developed 4 bedroom home located on a quiet street in Evergreen. Open concept fl oor plan which is great for entertaining. Kitchen features hardwood fl oors, plenty of cabinets, a corner pantry & an island with raised breakfast bar. Spacious great room & dining area with a garden door leading to the deck. Up-stairs is a large bonus room with a corner stone gas fi replace and vaulted ceiling. 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 & another 4 piece bathroom. This lovely home is situated in a family oriented neighbourhood and close to all amenities. $464,900 MLS #C3544330


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.

Shaganappi

SouthviewEvergreen

Banff Townhouse

Winston Heights-Mountview

Connaught

Silverado Ranch Estate Lots

Great location in Shaganappi - only 1/2 block to the new C-Train sta-tion, parks and playgrounds as well as Alexander Ferguson school. Excellent opportunity to build your dream home on a huge 42’ x 145’ lot. Existing 900 sq. ft. bungalow. The lot has incredible potential and is elevated which would give you exceptional views of the city sky-line. This is the perfect opportunity for builders! Property is mostly land value. $418,000 MLS #C3541093

Why buy a condo when you can own a home. This cute bunga-low is a great starter home for a fi rst time buyer. Large lot 37.6’ x 125.7’ with lots of room in the back for a triple garage. Perfect development lot to build your dream home. Great location within walking distance to all amenities. $334,900 MLS #C3512639

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

Country living within the City! The Ranches of Silverado provides true estate living with lots three times the size of typical estate lots in Calgary, surrounded by rolling foothills and wide open skies. Sil-verado boasts more than 90 acres of designated green space, parks, playgrounds and pathways, and more than 60 acres of ad-ditional environmental reserve plus a 7 acre wet pond. Amenities are plentiful from shopping, schools and transit to entertainment and recreation. Various lots available.

Charming bungalow situated amongst mature evergreen trees on an oversized lot in Southview. Over 1200 sq. ft. of living space. High ceilings throughout the home. Recently renovated bathroom. Large south facing back yard which is perfect for entertaining. Single detached garage and large driveway. Great location on a quiet street across from a park, close to schools and just 10 minutes to downtown. $284,900 MLS #C3543782

Fully developed 4 bedroom home located on a quiet street in Evergreen. Open concept fl oor plan which is great for entertaining. Kitchen features hardwood fl oors, plenty of cabinets, a corner pantry & an island with raised breakfast bar. Spacious great room & dining area with a garden door leading to the deck. Up-stairs is a large bonus room with a corner stone gas fi replace and vaulted ceiling. 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 & another 4 piece bathroom. This lovely home is situated in a family oriented neighbourhood and close to all amenities. $464,900 MLS #C3544330

Multi-level 2 bedroom townhouse located in Tatanga Ridge with spectacu-lar views. The living room features a corner gas fi replace, large windows & a garden door that leads out to the deck with a gas bbq hookup. Perfect spot to enjoy the stunning vistas! The kitchen is huge with tons of cabinets along with a good sized breakfast nook that has a built-in desk area. Master bed-room with access to a large private deck, a walk-in closet and a 5 piece en-suite complete with double sinks, a jetted tub and separate shower. The 2nd bedroom is a walkout with access to a private patio. Lower level has a large family room, 3 piece bath and laundry room. $533,000 MLS #C3540288

16 • ResaleHome&CondoGuide | Volume12 Issue11 To View These Properties go to www.robertcote.ca

The Eau Claire RealtorHOUSE OF REAL ESTATE

Robert Cote249-9500ASSOCIATE BROKER

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 immacu-late like new con-dition 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 ameni-ties 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 elegant-ly designed build-ing with a beauti-ful entrance lobby, security/concierge service and under-ground 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 counter-tops, 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

Stunning condo-minium home with beautiful 2357 sq ft open floor plan, superb layout and gorgeous lime-stone tile floor-ing throughout. Fabulous outdoor space w/2 west facing terraces and balcony. Many extra’s including

built-in speaker system throughout, heated floors, built-in vacuum system and front entrance waterfall. lge bright floor to ceiling windows providing plenty of natural light and elevator door opens right to your suite! Includes 2 bdrms, 2 ½ baths, 2 gas frpls, 2 titled parking stalls and 1 large titled storage locker.

PRINCETON GRAND $1,425,000The luxurious Chateau La Caille. Extremely quiet location along the Bow River in West Eau Claire that’s perfect for the downtown execu-tive! Bright south facing 1147 sf unit with large master bedroom, den/flex room, under-

ground titled parking and storage, superb layout, open kitchen with eating area, south facing balcony with view, gas fireplace, spacious living room, large tile entrance, large full bathroom with jetted tub & shower stall and custom window shutters throughout. The ultimate in Downtown executive living!

CHATEAU LACAILLE - $449,900

www.robertcote.ca

SOLDSOLD SOLDSOLD

editor’snote

according to a recent survey conducted by Desjardins Group (desjardinslifeinsurance.com), most Canadians are sorely lacking in their knowledge of insurance products – including home insurance

(please see story on page 38). Some of the main findings of the survey are as follows:

» One-third of respondents have either chosen or refused a mortgage insurance product offered by a lending institution, without first assessing their finances or comparing costs with other products on the market.

» Only 44 per cent knew that not all insurance policies come with surrender value. » Just 45 per cent knew that water damage is the most common type of claim filed by

homeowners. » Close to 40 per cent of those with home insurance didn’t keep lists, sales slips or

photos of their most valuable assets that would help them submit a claim in the event of a loss.

Are insurance companies not doing a good enough job educating people about the importance of insurance, or are a lot of people just not that concerned? Maybe it’s a bit of both? Whatever the case, it seems clear that most of us have to start taking a more active interest in insurance if we want to protect our ourselves, our families and our homes.

In this issue of Resale Home & Condo Guide, we focus on home insurance and what homeowners need to know. Of course, reading about it won’t get you completely up to speed on the topic. To the mix, you’ll need to add research, financial planning and likely a meeting with an insurance representative. But it’s a good start.

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

ABOUT INSURANCE

Get informed

Helping you findTHE RIGHT

HOME

the homeTRADER team always enjoys hearing from our readers, so please write to us and let us know what you think of the features and stories you’ll find ahead.

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

One of our readers, Joelle, told us she always gets a copy of her favourite magazine from the yellow box at her local bus stop. It’s not only a great way to unwind, she says, but it also gives her a chance to catch up on her local housing options since she’s getting married next year.

We hope you will take us along for the ride too. Be sure to check out our website, homeTRADER.ca. Even more housing options, articles and features are ready and waiting. Helping you find a great new space to call your own is what we do best.

Let us know what you think of this issue. We’d love to hear from you!

Susan LeggeEDITOR-IN-CHIEF, Wall2Wall Media, [email protected] me on Twitter at Twitter.com/SusanLegge

To View These Properties go to www.robertcote.ca

The Eau Claire RealtorHOUSE OF REAL ESTATE

Robert Cote249-9500ASSOCIATE BROKER

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 immacu-late like new con-dition 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 ameni-ties 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 elegant-ly designed build-ing with a beauti-ful entrance lobby, security/concierge service and under-ground 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 counter-tops, 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

Stunning condo-minium home with beautiful 2357 sq ft open floor plan, superb layout and gorgeous lime-stone tile floor-ing throughout. Fabulous outdoor space w/2 west facing terraces and balcony. Many extra’s including

built-in speaker system throughout, heated floors, built-in vacuum system and front entrance waterfall. lge bright floor to ceiling windows providing plenty of natural light and elevator door opens right to your suite! Includes 2 bdrms, 2 ½ baths, 2 gas frpls, 2 titled parking stalls and 1 large titled storage locker.

PRINCETON GRAND $1,425,000The luxurious Chateau La Caille. Extremely quiet location along the Bow River in West Eau Claire that’s perfect for the downtown execu-tive! Bright south facing 1147 sf unit with large master bedroom, den/flex room, under-

ground titled parking and storage, superb layout, open kitchen with eating area, south facing balcony with view, gas fireplace, spacious living room, large tile entrance, large full bathroom with jetted tub & shower stall and custom window shutters throughout. The ultimate in Downtown executive living!

CHATEAU LACAILLE - $449,900

www.robertcote.ca

SOLDSOLD SOLDSOLD

editor’snote

according to a recent survey conducted by Desjardins Group (desjardinslifeinsurance.com), most Canadians are sorely lacking in their knowledge of insurance products – including home insurance

(please see story on page 38). Some of the main findings of the survey are as follows:

» One-third of respondents have either chosen or refused a mortgage insurance product offered by a lending institution, without first assessing their finances or comparing costs with other products on the market.

» Only 44 per cent knew that not all insurance policies come with surrender value. » Just 45 per cent knew that water damage is the most common type of claim filed by

homeowners. » Close to 40 per cent of those with home insurance didn’t keep lists, sales slips or

photos of their most valuable assets that would help them submit a claim in the event of a loss.

Are insurance companies not doing a good enough job educating people about the importance of insurance, or are a lot of people just not that concerned? Maybe it’s a bit of both? Whatever the case, it seems clear that most of us have to start taking a more active interest in insurance if we want to protect our ourselves, our families and our homes.

In this issue of Resale Home & Condo Guide, we focus on home insurance and what homeowners need to know. Of course, reading about it won’t get you completely up to speed on the topic. To the mix, you’ll need to add research, financial planning and likely a meeting with an insurance representative. But it’s a good start.

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

ABOUT INSURANCE

Get informed

Helping you findTHE RIGHT

HOME

the homeTRADER team always enjoys hearing from our readers, so please write to us and let us know what you think of the features and stories you’ll find ahead.

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

One of our readers, Joelle, told us she always gets a copy of her favourite magazine from the yellow box at her local bus stop. It’s not only a great way to unwind, she says, but it also gives her a chance to catch up on her local housing options since she’s getting married next year.

We hope you will take us along for the ride too. Be sure to check out our website, homeTRADER.ca. Even more housing options, articles and features are ready and waiting. Helping you find a great new space to call your own is what we do best.

Let us know what you think of this issue. We’d love to hear from you!

Susan LeggeEDITOR-IN-CHIEF, Wall2Wall Media, [email protected] me on Twitter at Twitter.com/SusanLegge


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

zoneAcommunities & mls numbers

STO

NEY

TRA

IL

CROWCHILD TRAIL

DEE

RFO

OT

TRA

IL

TRANS CA NADA HIGHWAY

Evanston

Kincora

HiddenValley

Hampton

Edgemont

HarvestHills

CoventryHills

CountryHills Village

CountryHills

SandstoneMcEwanGlen

Nose HillPark

BanffTrail

BriarHill

tse

Wts

ruhll

iH

t sru

hlli

H

CapitolHill

Rosedale

Sunnyside

Regal Terr/Renfrew

Bridgeland

CrescentHts

MountPleasant

HighlandP

ark

Mountview

Beddington

HuntingtonHills

Thorncliffe

CambrianHts

NorthHaven

Highwood

Greenview

odexuT

RanchlandEstates

Ranchland

Citadel

HawkwoodArbourLake

ScenicAcres

Tuscany

ValleyRidge

SilverSprings

VarsityAcres

Varsity Village

Montgom

ery

UniversityHts

St. AndrewHts

Parkdale

Dalhousie

Brentwood

Charlesw

oodC

ollingwood

Bowness

VarsityEstates

RoyalOak

RockyRidge

PanoramaHills

SimonsValley


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

zoneAcommunities & mls numbers

STO

NEY

TRA

IL

CROWCHILD TRAIL

DEE

RFO

OT

TRA

IL

TRANS CA NADA HIGHWAY

Evanston

Kincora

HiddenValley

Hampton

Edgemont

HarvestHills

CoventryHills

CountryHills Village

CountryHills

SandstoneMcEwanGlen

Nose HillPark

BanffTrail

BriarHill

tse

Wts

ruhll

iH

t sru

hlli

H

CapitolHill

Rosedale

Sunnyside

Regal Terr/Renfrew

Bridgeland

CrescentHts

MountPleasant

HighlandP

ark

Mountview

Beddington

HuntingtonHills

Thorncliffe

CambrianHts

NorthHaven

Highwood

Greenview

odexuT

RanchlandEstates

Ranchland

Citadel

HawkwoodArbourLake

ScenicAcres

Tuscany

ValleyRidge

SilverSprings

VarsityAcres

Varsity Village

Montgom

ery

UniversityHts

St. AndrewHts

Parkdale

Dalhousie

Brentwood

Charlesw

oodC

ollingwood

Bowness

VarsityEstates

RoyalOak

RockyRidge

PanoramaHills

SimonsValley

ww

w.th

esal

oish

omet

eam

.com

Pierre SaloiS 403.710.4296Jon SaloiS

403.803.4569

Top floor condo with den and •a deck2 full baths with 1 with tub/•shower and 1 with walk-in showerThis price it won’t last long!•

3 gorgeous acres of bare •land ready for your dream cabin or just bring in your trailer.Located right on the lake•Water well on site and has •been tested to be 20 GMP (Fantastic)Under 2 hrs. from Calgary•

Prime commercial space •right in the heart of OkotoksWith a large lot and great •parkingGreat potential! Check it out!•

This home looks great inside •and out!4 Bedrooms and 2 full •bathroomsSolid hardwood flooring incl. •stairs, granite & fully finished basement.

3 bedroom and 2.5 bath•Master bedroom with walk in •closet and a full ensuiteA double garage and a new •fenceCheck out this modern •former show home

Cute 2 story, master bdrm •with a sitting room & ensuite The inside has been updated •while keeping its charm, brick wall when you walk in.Nice sized yard, beautifully land-•scaped with a nice deck and garageMinutes from down town, •Check this property out!

Great size lot backing onto •the 8th hole of Priddis GreensCome with a builder or build •yourself and build your dream home!Quiet cul de sac location just •steps from a park for the kidsThe water and sewage are •taken care of by the community

2,100 SQ FT. fully finished •with 4 bedrooms and 3 1/2 bathroomsBasement fully developed, •and large wrap around verandaHome has a small town feel•

LAKE PROPERTY $214,900

OKOTOKS $449,900

PRIDDIS GREEN $339,900

McKENzIE TOwNE $539,900

AIRDRIE $199,900

QUEENSLAND SE $339,900

cOOPERFIELD SE $329,000

RENFREw $464,900

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

1006 sq ft•

2 Bedrooms•

2 Full Bathrooms•

Top Floor•

Elevator•

BBQ Hook Up•

Underground Parking•

Air conditioning•

Cranston $273,900

1120 sg ft• 2 Bedrooms• 11/2 Bathrooms• Elevator• Walking distance to Chinook Centre• 20 to Downtown•

Kevingrove $254,900

Renovated•

2430 sq ft•

3+1 Bedrooms•

31/2 Bathrooms•

Triple Attached Garage•

New Listing SW


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:

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

1. Calculate the combined monthly before-tax income between you and your spouse.

2. Divide by three. This figure is the monthly payment you can afford to make on your home.

3. Take 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.

4. Refer to the chart below. 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 choose the 25-year amortization.)

5. Multiply this figure by the amount you need to borrow. Divide by 1,000.

6. Add to this your estimated monthly heating costs and monthly property taxes.

7. If 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.

you love the home,

see whaT you can afford!

CalCulate your mortgage payments

total pre-tax inCome

monthly pre-tax inCome

spouse’s pre-tax inCome+ =

amount of mortgage(priCe – down payment)

divide by 3affordable

monthly payments

=

amortization amountChart figure

amount of mortgage

divided by 1,000x =

monthly payments

amortization amount

estimated monthly

taxes & heat+ =

mortgage payment CalCulation Chart

amortization periodsinterest rates

% 5 yrs 10 yrs 15 yrs 20 yrs 25 yrs

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 vary in their policies. The best way to know what you can afford is to go to the lending institution of your choice and get pre-qualified.

use this guide to see if you’ll qualify for a mortgage on your dream home

morTgage raTes


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:

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

1. Calculate the combined monthly before-tax income between you and your spouse.

2. Divide by three. This figure is the monthly payment you can afford to make on your home.

3. Take 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.

4. Refer to the chart below. 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 choose the 25-year amortization.)

5. Multiply this figure by the amount you need to borrow. Divide by 1,000.

6. Add to this your estimated monthly heating costs and monthly property taxes.

7. If 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.

you love the home,

see whaT you can afford!

CalCulate your mortgage payments


monthly pre-tax inCome

spouse’s pre-tax inCome+ =

amount of mortgage(priCe – down payment)

divide by 3affordable

monthly payments

=

amortization amountChart figure

amount of mortgage

divided by 1,000x =

monthly payments

amortization amount

estimated monthly

taxes & heat+ =

mortgage payment CalCulation Chart

amortization periodsinterest rates

% 5 yrs 10 yrs 15 yrs 20 yrs 25 yrs

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 vary in their policies. The best way to know what you can afford is to go to the lending institution of your choice and get pre-qualified.

use this guide to see if you’ll qualify for a mortgage on your dream home

morTgage raTes



use this guide to see if you’ll qualify for a mortgage on your dream hometypes Conventional: a borrower has a minimum of 20 per cent down payment on the purchase of a home, or leaves at least 20 per cent of the home’s available equity when refinancing mortgage. under traditional conventional mortgage guidelines, a mortgage does not exceed 80 per cent of the home’s value. inSUReD oR HiGH-Ratio: allows a borrower a minimum of five per cent down payment when purchasing a home, or that the borrower leaves five per cent equity in a home when refinancing. under traditional insured/high-ratio guidelines, a mortgage does not exceed 95 per cent of the home’s value. ZeRo DoWn PaYMent: the true “zero down payment” mortgage is no longer available as per the Canadian government legislation, however a “no money down” mortgage is obtainable via a “cash-back” or “flex-down” program through the lender’s insurer (i.e. CmhC, genworth and aig). program allowances are o.a.C.

options oPen MoRtGaGe: allows a borrower to make a lump-sum payment on the mortgage at any time without being subject to a pre-payment penalty. typical open mortgages accompany higher interest rates than closed mortgages, however the open mortgage is ideal for those who wish to pay off a mortgage in a short amount of time or switch from a short-term mortgage (with higher interest rates) to a longer-term mortgage (with a lower interest rate). CloSeD MoRtGaGe: ideal for the borrower who wants the security of knowing what their monthly payments are going to be from month to month or week to week. prepayment options usually accompany a closed mortgage, allowing the borrower to pay an allotted percentage of their mortgage back throughout the month and/or year. maximum flexibility of repayment (like the open mortgage described above) is not available on a closed mortgage. vaRiaBle MoRtGaGe: variable rates are not as secure in set payments are from month to month, as opposed to a closed mortgage. the attraction to the variable rate is that these mortgages work off of the prime rate of Canada. your “floating” rate is typically lower than the closed-mortgage rates, however your rate fluctuates with the prime rate of Canada.

VariaBle 6 mtH 1 yr 2 yr 3 yr 4 yr 5 yr

*rates subject to change without notice

morTgage raTes

Prepared by CANNEX on May 29, 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.

ATB Financial 2.750 4.450 3.200 3.550 3.950 4.390 3.940

Bank of Montreal 3.100 4.450 3.200 3.550 3.950 4.640 5.340

Bank of Nova Scotia 3.100 4.550 3.650 3.890 3.990 4.390 4.990

BMO 3.100 4.450 3.200 3.550 3.950 4.640 5.340

Bridgewater Bank - - 3.290 3.440 3.490 3.570 3.540

CIBC Mortgages 3.200 4.450 3.200 3.290 3.950 4.390 5.340

Canadian Western Bank 3.200 4.450 3.200 3.550 3.950 4.640 5.440

Canadian Western Trust 3.200 4.450 3.200 3.550 3.950 4.640 5.440

First Calgary Financial 3.000 4.000 2.390 3.350 2.990 3.290 3.290

First National Financial 3.000 4.450 2.390 3.550 2.990 3.390 3.490

HSBC Bank Canada 3.100 4.450 3.600 3.950 4.450 4.990 5.440

Home Trust Company - - 2.990 - 3.190 - 3.390

ICICI Bank Canada 3.050 - 3.150 3.650 3.640 3.690 3.440

ING Direct 3.000 - 3.090 3.150 3.190 3.250 3.490

Investors Group Trust 3.000 4.550 3.200 3.550 3.950 4.640 5.340

Laurentian Bank Canada 3.200 4.400 3.500 3.550 3.950 4.640 5.340

London Life 3.000 4.550 3.200 3.550 3.950 4.640 5.340

Manulife Bank 2.900 4.450 3.000 3.150 3.300 3.350 3.400

Manulife Trust - 4.450 3.000 3.150 3.300 3.350 3.400

Meridian Credit Union 2.850 4.450 3.200 3.550 3.950 3.400 3.390

National Bank 3.200 4.450 3.500 3.550 3.950 4.640 5.340

Peace Hills Trust - 4.500 3.250 3.550 3.650 4.650 3.950

President’s Choice Fin’l 3.100 6.040 3.140 3.200 3.240 3.300 3.540

Royal Bank of Canada 3.200 4.450 3.200 3.550 3.950 4.640 5.240

Servus Credit Union - 4.450 3.200 3.550 3.950 4.390 5.440

T-D Mortgage 3.200 4.450 3.200 3.550 3.950 4.640 5.340


www.calgaryhomesales.com

Brian Currey CalgaryHomeSales.com

Thinking of selling your home?CALL TODAY FOR A FREE MARKET EVALUATION

#10, 6020 - 1A Street S.W., Calgary, Alberta T2H [email protected] (403) 259.4141

rural rockyview county

$420,000- $509,250

Springbank Hill$1,399,800

9 lot sub-division. Country Meadows

397 Citadel Hills32 Elgin View SE

304-1805-26 Ave SE

lanD

penDing

SolD

call For More inForMation!

call For More inForMation!

applewooD - $289,800

oakriDge eStateS - $869,800 elbow valley weSt- $1,499,800

2 Storey•1050 sq ft well cared for home•3 bedroom•

1474 sq ft•3.5 bath•Oversized Garage & Rear RV parking•

A luxurious 3964 sq ft•2 story executive home in a private quiet •location

Fully Developed and updated 2902 sq ft•3.5 bath/4 bedroom•Private south back yard•

glenbrook - $429,800

Re/Max Real Estate (Central) • 403-216-1600 • 206, 2411 - 4th St NW, Calgary, AB, T2M 2Z8

*Based on Closed Transactions

COMMITTED TO EXCELLENCE SINCE 1989

403.560.3335 [email protected]

Alnoor Velji403.560.3335

http://www.calgaryhometeam.ca# 1 Re/max offi ce in the world* 1999-2010

[email protected]

Alnoor Velji

ERIN WOODS I $307,500

PANORAMA HILLS I $659,900

CORAL SPRINGS I $659,900

MARTIN CROSSING I $289,900

BI-LEVEL SUITE

Fully developed with 3 bedrooms on main level with suite down. Call now to view, before its too late.

WOW!, fully developed with over 3600 sq/ft, 4 bedrooms, 3 ½ baths, bonus room, 2 fi replaces, loaded with features galore, hardwood, granite, stainless steel appls, superb landscaping with concrete patio, professionally fi nished basement. Call now to view this beauty.

Wow, fully developed 2 storey walkout with lake access lot. 2600+1100=3700 sq. ft. 4+2 bedrooms, 3½ baths, loaded with features, hardwood, granite, formal Lvg/Din/Kitchen with nook, den and family all on the main fl oor, 4 bedrooms upper with full ensuite, basement fi nished with summer kitchen, big rec room, wet bar, and much much more. Call now to view this beauty.

Fully developed 2 storey with 3+1 bedrooms, 2 ½ baths, new hardwood fl oors, shows like new and much more, call now.

3700 SQ/FT - WALKOUT

WALK OUT 3600 SQ/FT.


use this guide to see if you’ll qualify for a mortgage on your dream hometypes Conventional: a borrower has a minimum of 20 per cent down payment on the purchase of a home, or leaves at least 20 per cent of the home’s available equity when refinancing mortgage. under traditional conventional mortgage guidelines, a mortgage does not exceed 80 per cent of the home’s value. inSUReD oR HiGH-Ratio: allows a borrower a minimum of five per cent down payment when purchasing a home, or that the borrower leaves five per cent equity in a home when refinancing. under traditional insured/high-ratio guidelines, a mortgage does not exceed 95 per cent of the home’s value. ZeRo DoWn PaYMent: the true “zero down payment” mortgage is no longer available as per the Canadian government legislation, however a “no money down” mortgage is obtainable via a “cash-back” or “flex-down” program through the lender’s insurer (i.e. CmhC, genworth and aig). program allowances are o.a.C.

options oPen MoRtGaGe: allows a borrower to make a lump-sum payment on the mortgage at any time without being subject to a pre-payment penalty. typical open mortgages accompany higher interest rates than closed mortgages, however the open mortgage is ideal for those who wish to pay off a mortgage in a short amount of time or switch from a short-term mortgage (with higher interest rates) to a longer-term mortgage (with a lower interest rate). CloSeD MoRtGaGe: ideal for the borrower who wants the security of knowing what their monthly payments are going to be from month to month or week to week. prepayment options usually accompany a closed mortgage, allowing the borrower to pay an allotted percentage of their mortgage back throughout the month and/or year. maximum flexibility of repayment (like the open mortgage described above) is not available on a closed mortgage. vaRiaBle MoRtGaGe: variable rates are not as secure in set payments are from month to month, as opposed to a closed mortgage. the attraction to the variable rate is that these mortgages work off of the prime rate of Canada. your “floating” rate is typically lower than the closed-mortgage rates, however your rate fluctuates with the prime rate of Canada.

VariaBle 6 mtH 1 yr 2 yr 3 yr 4 yr 5 yr

*rates subject to change without notice

morTgage raTes

Prepared by CANNEX on May 29, 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.

ATB Financial 2.750 4.450 3.200 3.550 3.950 4.390 3.940

Bank of Montreal 3.100 4.450 3.200 3.550 3.950 4.640 5.340

Bank of Nova Scotia 3.100 4.550 3.650 3.890 3.990 4.390 4.990

BMO 3.100 4.450 3.200 3.550 3.950 4.640 5.340

Bridgewater Bank - - 3.290 3.440 3.490 3.570 3.540

CIBC Mortgages 3.200 4.450 3.200 3.290 3.950 4.390 5.340

Canadian Western Bank 3.200 4.450 3.200 3.550 3.950 4.640 5.440

Canadian Western Trust 3.200 4.450 3.200 3.550 3.950 4.640 5.440

First Calgary Financial 3.000 4.000 2.390 3.350 2.990 3.290 3.290

First National Financial 3.000 4.450 2.390 3.550 2.990 3.390 3.490

HSBC Bank Canada 3.100 4.450 3.600 3.950 4.450 4.990 5.440

Home Trust Company - - 2.990 - 3.190 - 3.390

ICICI Bank Canada 3.050 - 3.150 3.650 3.640 3.690 3.440

ING Direct 3.000 - 3.090 3.150 3.190 3.250 3.490

Investors Group Trust 3.000 4.550 3.200 3.550 3.950 4.640 5.340

Laurentian Bank Canada 3.200 4.400 3.500 3.550 3.950 4.640 5.340

London Life 3.000 4.550 3.200 3.550 3.950 4.640 5.340

Manulife Bank 2.900 4.450 3.000 3.150 3.300 3.350 3.400

Manulife Trust - 4.450 3.000 3.150 3.300 3.350 3.400

Meridian Credit Union 2.850 4.450 3.200 3.550 3.950 3.400 3.390

National Bank 3.200 4.450 3.500 3.550 3.950 4.640 5.340

Peace Hills Trust - 4.500 3.250 3.550 3.650 4.650 3.950

President’s Choice Fin’l 3.100 6.040 3.140 3.200 3.240 3.300 3.540

Royal Bank of Canada 3.200 4.450 3.200 3.550 3.950 4.640 5.240

Servus Credit Union - 4.450 3.200 3.550 3.950 4.390 5.440

T-D Mortgage 3.200 4.450 3.200 3.550 3.950 4.640 5.340


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!!

PANARAMA HILLS

IMMACULATE HOME & QUIET STREET!!

$349,900This beautiful 2 storey, 3 bedroom Jayman home is certified “Built Green” and is still

covered under the Alberta New Home Warranty Program. This home is in pristine condition and is like new! The open floor plan has great flow and offers a complete use of your space. The main floor boasts gleaming dark hardwood floors, a large living room with a tile surround feature fireplace, dining room, 2 pce bathroom and an open concept kitchen with dark wood cabinets, stainless steel appliances and an “eating bar” island. Hunter Douglas blinds throughout the main floor. The upstairs has 3 bedrooms and a 4 pce bathroom. The spacious master bedroom has a walk-in closet and a 4 pce ensuite bathroom. South facing backyard with large deck and gravel parking pad with room for 2 cars. Quick possession is available so you can move in right away! Close to all amenities, shopping, quality schools, parks and the Cardel Centre. Don’t wait...put this “mint condition” home on your list!

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”!!

403.256.3888

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

Fully and professionally developed bungalow in good loca-tion in Lake Bonavista. Bright and vaulted with skylighs and glass block. Unique open plan with split stair highlighted by beautiful oak railings. Gleaming hardwood, central air, heated floors in lower level and garage on boiler system that also heats the hot tub. . The back yard is to die for with huge stone patio, amazing, low maintenance, mature landscap-ing, sunny west exposure and no homes behind you.

Beautifully and very tastefully presented updated bunga-low 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 win-dows add natural light to this beautiful home. Open stairway leads to the professionally developed lower level with 2 spa-cious bedrooms, 3 piece bath and warm central rec room.

Beautiful home backing on a future park and pathway system in new estate area! Granite counters and upgraded oak package. Professionally developed walkout. Tile roof, 2 gas fireplaces, laminate floors and oversized, finished garage. Beautifully landscaped yard with glass railing on deck to take advantage of the park. Private lower patio. Large walk-in closet and 5 piece ensuite bath add to spacious master bedroom.

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 hard-wood 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

FANTASTIC BUNGALOW LOCATED IN LAKE BONAVISTA

GORGEOUS BUNGALOW IN SUNDANCE

SPACIOUS 2 STOREY IN EVERGREEN

BEAUTIFUL 3 LEVEL SPLIT IN SOUTHWOOD

$604,800

$519,800

$539,500

$395,000

Don Lothian Debbie [email protected]

102, 279 Midpark Way SECalgary AB, T2X 1M2

RE/MAX Landan Real Estate

yourhome

The fall season is traditionally a busy time for home renovations. As Canadians finalize their reno plans and projects, many will focus on projects that will add the most value to

their home. A recent BMO survey revealed that half of Canadian

homeowners (51 per cent) plan to renovate in the next year, and are choosing projects with the greatest returns – a sign that consumers are taking a strategic approach to their reno investments.

“When planned strategically and with the advice of a professional, renovation projects have the potential to add significant value to your home,” says Laura Parsons, Mortgage Expert, BMO Bank of Montreal. “However, it is important for homeowners to consider the financial implications involved to avoid overextending themselves – regardless of the scope of the project.”

Parsons adds that renovation projects come in different shapes and sizes and can vary in return on investment.

BMO offers the following advice for Canadians considering home renovations:» Understand how a renovation will impact the value of

your home by researching which renovations create increased value and are popular selling features.

» Think long term when making financial decisions. Whether you are using savings or borrowing to renovate, take the time to meet with a financial expert to ensure your renovation meets your long term financial objectives.

» Expect the unexpected; be financially prepared for the unexpected such as a leaky roof, broken pipe or other course corrections that may occur during the project.

» Get renovation quotes in writing and understand what guarantees they provide. For example, if the cost of the plumbing in your renovation is more work than expected, will the quote go up?

For more information, visit bmo.com.

focus on reno projects thatwill add the most value

403.256.3888

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

Fully and professionally developed bungalow in good loca-tion in Lake Bonavista. Bright and vaulted with skylighs and glass block. Unique open plan with split stair highlighted by beautiful oak railings. Gleaming hardwood, central air, heated floors in lower level and garage on boiler system that also heats the hot tub. . The back yard is to die for with huge stone patio, amazing, low maintenance, mature landscap-ing, sunny west exposure and no homes behind you.

Beautifully and very tastefully presented updated bunga-low 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 win-dows add natural light to this beautiful home. Open stairway leads to the professionally developed lower level with 2 spa-cious bedrooms, 3 piece bath and warm central rec room.

Beautiful home backing on a future park and pathway system in new estate area! Granite counters and upgraded oak package. Professionally developed walkout. Tile roof, 2 gas fireplaces, laminate floors and oversized, finished garage. Beautifully landscaped yard with glass railing on deck to take advantage of the park. Private lower patio. Large walk-in closet and 5 piece ensuite bath add to spacious master bedroom.

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 hard-wood 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

FANTASTIC BUNGALOW LOCATED IN LAKE BONAVISTA

GORGEOUS BUNGALOW IN SUNDANCE

SPACIOUS 2 STOREY IN EVERGREEN

BEAUTIFUL 3 LEVEL SPLIT IN SOUTHWOOD

$604,800

$519,800

$539,500

$395,000

Don Lothian Debbie [email protected]

102, 279 Midpark Way SECalgary AB, T2X 1M2

RE/MAX Landan Real Estate

yourhome

The fall season is traditionally a busy time for home renovations. As Canadians finalize their reno plans and projects, many will focus on projects that will add the most value to

their home. A recent BMO survey revealed that half of Canadian

homeowners (51 per cent) plan to renovate in the next year, and are choosing projects with the greatest returns – a sign that consumers are taking a strategic approach to their reno investments.

“When planned strategically and with the advice of a professional, renovation projects have the potential to add significant value to your home,” says Laura Parsons, Mortgage Expert, BMO Bank of Montreal. “However, it is important for homeowners to consider the financial implications involved to avoid overextending themselves – regardless of the scope of the project.”

Parsons adds that renovation projects come in different shapes and sizes and can vary in return on investment.

BMO offers the following advice for Canadians considering home renovations:» Understand how a renovation will impact the value of

your home by researching which renovations create increased value and are popular selling features.

» Think long term when making financial decisions. Whether you are using savings or borrowing to renovate, take the time to meet with a financial expert to ensure your renovation meets your long term financial objectives.

» Expect the unexpected; be financially prepared for the unexpected such as a leaky roof, broken pipe or other course corrections that may occur during the project.

» Get renovation quotes in writing and understand what guarantees they provide. For example, if the cost of the plumbing in your renovation is more work than expected, will the quote go up?

For more information, visit bmo.com.

focus on reno projects thatwill add the most value


(403) 243-1755www.davidsetter.com

DAVID SETTERREAL ESTATE TEAM

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.

SPRINGBANK HILL - $2,299,000

Contemporary 1100SqFt +, 2 bedroom, 2 bath condo in Victoria Park’s Chocolate! The Chocolate is a modern concrete structure that has established itself as a premier building for the lively and fashionable professional in a community with many stylish restaurants, shops and cafes marking the streets. Floor-to-ceiling industrial steel framed windows revealing breathtaking views, a balcony with a gas BBQ connection, titled underground parking & insuite laundry/storage. All this right downtown and a short walk to all amenities. Call today for your private viewing, units in this building are highly desirable and sell quickly.

VICTORIA PARK - $449,900 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.

Nicely updated Attached (at garage only) home in popular Midpark Gardens and no condo fee’s! Updates Include: new windows, new shingles, new carpet, updated kitchen cabinets and stainless steel appliances. Full development includes 3 bedrooms upstairs with huge master bedroom, main floor has an eat in kitchen, dining room, and living room. Large basement den with closet could easily be 4th bedroom with window. Complete with rear fenced yard and large deck. Priced for a quick sale, call today!

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 - $439,900

MIDNAPORE - $309,900

THORNBURN - AIRDRIE - $589,000

SHEEP RIVER - OKOTOKS $469,900

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.

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.




VICTORIA PARK - $449,900

SPRINGBANKHILL - $2,299,000





SOLD

makeyourmove

When it comes to moving, a little homework ahead of time can save a lot of headaches later on.

Face it – your “stuff ” is important to you, and you want movers who treat your furnishings and accessories that way. Some items such as toasters and even sofas can be replaced if they are damaged, but other things such as family photos and

heirlooms are irreplaceable. At Two Men and a Truck, we know how critical it is to treat every move with complete respect for our clients and every one of their possessions.

When you shop for a mover, remember that the lowest bidder is not necessarily your smartest move. You want a company that has a track record for providing excellent service – with “service” being the key word. Customer service includes much more than the actual packing and transporting of your items; it starts with the first contact. You should be able to expect a pleasant, professional representative to provide you with an estimate that is well thought out and fair.

Service extends to promptness, cleanliness and thoroughness at both ends of the move. It also involves open lines of communication. Ask questions of the movers you are considering – and if they are reluctant to give you a straight answer, move on to others.

One of the best ways to find a mover is through word of mouth. Ask your friends, neighbours and relatives which companies they used and how pleased they were.

Another valuable resource is the Internet. Research moving firms and find out how long they have been in business. Find out if and how their workers are trained in the packing and transporting of goods. Ask what you can expect before, during and after the move.

You can also check with the Canadian Association of Movers (movers.net), which has a web page for consumers. This trade association represents moving and storage companies and is aimed at helping customers connect with reliable, professional moving services. A look through the member directory and posted articles on this website is one more tool that can help in your search.

Moving can be one of the most exciting – and most stressful – times of your life. Hiring a mover who cares as much as you do about getting your possessions from point A to point B efficiently, economically and safely will reduce the stress and increase the fun. Your movers play an integral role in helping you adapt to your new surroundings.

If you are planning a move in the future, think ahead and start your research now.

The more comfortable and confident you feel in the mover you select, the smoother moving day will go. Customer service, walking the walk and talking the talk, is really what its all about.

Do your research and choose your mover

wiselyb y D a n H o p k i n s

Dan Hopkins is chief operating officer, Two Men and a Truck Canada. For more information visit the website at twomenandatruck.ca



DAVID SETTERREAL ESTATE TEAM




VICTORIA PARK - $449,900 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.

Nicely updated Attached (at garage only) home in popular Midpark Gardens and no condo fee’s! Updates Include: new windows, new shingles, new carpet, updated kitchen cabinets and stainless steel appliances. Full development includes 3 bedrooms upstairs with huge master bedroom, main floor has an eat in kitchen, dining room, and living room. Large basement den with closet could easily be 4th bedroom with window. Complete with rear fenced yard and large deck. Priced for a quick sale, call today!



COVENTRY - $439,900

MIDNAPORE - $309,900



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.

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.




VICTORIA PARK - $449,900

SPRINGBANKHILL - $2,299,000





SOLD

makeyourmove

When it comes to moving, a little homework ahead of time can save a lot of headaches later on.

Face it – your “stuff ” is important to you, and you want movers who treat your furnishings and accessories that way. Some items such as toasters and even sofas can be replaced if they are damaged, but other things such as family photos and

heirlooms are irreplaceable. At Two Men and a Truck, we know how critical it is to treat every move with complete respect for our clients and every one of their possessions.

When you shop for a mover, remember that the lowest bidder is not necessarily your smartest move. You want a company that has a track record for providing excellent service – with “service” being the key word. Customer service includes much more than the actual packing and transporting of your items; it starts with the first contact. You should be able to expect a pleasant, professional representative to provide you with an estimate that is well thought out and fair.

Service extends to promptness, cleanliness and thoroughness at both ends of the move. It also involves open lines of communication. Ask questions of the movers you are considering – and if they are reluctant to give you a straight answer, move on to others.

One of the best ways to find a mover is through word of mouth. Ask your friends, neighbours and relatives which companies they used and how pleased they were.

Another valuable resource is the Internet. Research moving firms and find out how long they have been in business. Find out if and how their workers are trained in the packing and transporting of goods. Ask what you can expect before, during and after the move.

You can also check with the Canadian Association of Movers (movers.net), which has a web page for consumers. This trade association represents moving and storage companies and is aimed at helping customers connect with reliable, professional moving services. A look through the member directory and posted articles on this website is one more tool that can help in your search.

Moving can be one of the most exciting – and most stressful – times of your life. Hiring a mover who cares as much as you do about getting your possessions from point A to point B efficiently, economically and safely will reduce the stress and increase the fun. Your movers play an integral role in helping you adapt to your new surroundings.

If you are planning a move in the future, think ahead and start your research now.

The more comfortable and confident you feel in the mover you select, the smoother moving day will go. Customer service, walking the walk and talking the talk, is really what its all about.

Do your research and choose your mover

wiselyb y D a n H o p k i n s

Dan Hopkins is chief operating officer, Two Men and a Truck Canada. For more information visit the website at twomenandatruck.ca


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

zoneBcommunities & mls numbers

DE

ERFO

OT

TRA

IL

16 AVE.

Westwinds

Saddle Ridge

Martindale Taradale

Falconridge

CoralSprings

McCallInd. Park

VistaHeights

HorizonInd. Park Whitehorn Temple

PineridgeRundle

Marlborough

ForestLawn

ErinWoods

EastfieldValleyfield

Dover Glen

WestDover

Dover

Southview

Penbr

ooke

MarlboroughPark

ForestHts

AlbertPark

Fonda

Rad

isso

nH

ts

SunridgeInd. Park

MaylandHeights

FranklinInd. Park/Meridian Ind. Park

Mon

tere

y P

ark

Abb

eyda

leA

pple

woo

d

CalgaryInternational

Airport

Castleridge


GARY WILLIAMS • MATT WILLIAMS

CALGARYPROPERTYFORSALE.CA

CALL NOW FOR A FREE EVALUATION OF YOUR CALGARY PROPERTY

403.259.4141

REALTY PROFESSIONALS

A Stunning 3 Bedroom & 2.5 Bath Family • Home In Desirable Summit Of MontreuxThe Kitchen Is A Entertainer’s Delight With Stainless Steel • Appliances, Stained Maple Cabinets, & Island With Eating BarOpen Concept Kitchen/Family Room With • Gleaming Hardwood Floors, Gas Fireplace & Access To Deck & Fenced/Landscaped Backyard

SPRINGBANK HILL $519,900

Interesting Opportunity Located On • One Of The Most Beautiful & Quiet Locations In The Heart Of Mount Royal Completely Re-built Structure For • You To CompleteCall For A List Of Details. Interior Is • At Frame Stage Only

MOUNT ROYAL $1,500,000

Fully Renovated 2 Bedroom • Bungalow Style UnitDesigned For Efficient Living, Featuring • Open Concept Living/Dining/Kitchen Areas. NEW Paint, Laminate Flooring, • Stainless Steel Appliance Package, Cabinets, Counters & More!

BRAESIDE $193,000

Wonderful, Completely Renovated 2 • Storey Townhouse With 2 BedroomsNew Wide Plank Laminate & Carpet Flooring, • Paint, Lighting & Plumbing Finishes.Galley Style Kitchen With Brand New Appliances, • Cabinets, Counters & Glass Tile Backsplash

BRAESIDE $195,000

Opportunities Facing South Mount • Royal Park Seldom Become AvailableComfortable, Livable Home With Cape • Cod Curb Appeal, Renovate or Build Your Dream Home On This Wonderful Approximately 12,000 Sq Ft Corner Lot

MOUNT ROYAL $1,995,000

Fully Finished Attached Home Offering 2,600 Sq • Ft Of Developed Living Space With A Total Of 4 Bedrooms, 3.5 Baths & Sunny WEST BackyardOpen Concept Kitchen & Great Room Finished • With Granite, Richly Stained Maple Cabinetry, Stainless Steel Appliances & Perfectly Planned Family Space With Stone Faced Gas Fireplace

RICHMOND PARK $669,900

9,365 Sq Ft Of South Facing Level • Land With 75’ FrontageProperty Is Located On A Quiet Hill • Top Street, Steps From The Elbow River, Minutes From Downtown & Within Walking Distance Of Excellent Schools

ELBOW PARK $1,295,000

Build Your Dream Home With A • Sunny West BackyardPrime 62.33’ x 125’ Private & • Landscaped Lot With Original Bungalow With AdditionPicture The Valley Views From A • 2nd Storey Build

ELBOW PARK

SOLDBeautiful & Elegant Riverstone 2 Bedroom • Corner Unit With Marvelous City Views, Extensive Renovations (Including Kitchen), Fresh Paint, Hardwood, Granite & More! Shows 10/10!Two Titled Parking Stalls & Assigned • Separate Storage Locker

MISSION

SOLDRenovated 2 Storey Townhouse Boasts New • 7.5” Plank Laminate & Carpet Flooring, Stunning Stone Fireplace, Fresh Paint & New LightingOpen Galley Kitchen With New Cabinets, Countertops, • Stainless Steel Appliances & Glass Tile Backsplash!Great Location With Direct Access To Fish • Creek Park & Walking Distance To The LRT

CANYON MEADOWS

SOLD

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

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

zoneBcommunities & mls numbers

DE

ERFO

OT

TRA

IL

16 AVE.

Westwinds

Saddle Ridge

Martindale Taradale

Falconridge

CoralSprings

McCallInd. Park

VistaHeights

HorizonInd. Park Whitehorn Temple

PineridgeRundle

Marlborough

ForestLawn

ErinWoods

EastfieldValleyfield

Dover Glen

WestDover

Dover

Southview

Penbr

ooke

MarlboroughPark

ForestHts

AlbertPark

Fonda

Rad

isso

nH

ts

SunridgeInd. Park

MaylandHeights

FranklinInd. Park/Meridian Ind. Park

Mon

tere

y P

ark

Abb

eyda

leA

pple

woo

d

CalgaryInternational

Airport

Castleridge


Insurance products remain

a mystery

to Canadian consumers

A recent survey conducted by Desjardins Group as part of its Personal Finance Index found that most Canadian consumers know very little about insurance products. To measure their general

understanding of these products, eight personal money management questions were added to this year’s survey. The results indicated that:• Only 44 per cent knew that not all insurance policies come with surrender value.• Just 30 per cent did not know whether their credit card came with travel insurance, whereas 32 per cent knew that it did but knew little about the coverage itself.

In terms of other types of insurance, a third of respondents have refused a mortgage insurance product offered by a lending institution, without first assessing their financial situation or comparing costs with other mortgage insurance products available on the market. And less than half of the respondents showed a real understanding of how they were protected by their home insurance.

These results indicate that there remains a gap in the public’s understanding of personal finance. We asked Reh Bhanji, an insurance expert from Desjardins Financial Security for his assessment. “Clearly, there is still much we can do as financial advisors to help Canadians improve their financial knowledge,” said Bhanji. “Of course, some people are uncomfortable to talk about money, but it actually can be fun. We have tools that help illustrate different scenarios which can help reignite a person’s enthusiasm towards their finances and insurance coverage. And it’s actually very important because it allows you to better manage life changes like a new addition to the family, a new home, a new job, etc.”

What’s the best way to start improving personal financial habits and to learn more about insurance? One way is to sit down with a financial advisor or an insurance representative to discuss your current life, health and disability insurance needs. A properly trained representative will then suggest a suitable product that offers the best protection. You may be interested in trying the online self-evaluation tool available on the Desjardins Group’s Co-opme Program website at desjardins.com/co-opme. And here are two brief descriptions of some life insurance products to help get you started:

Permanent life insurance can be adapted to long-term goals and premiums can be paid as fixed amounts for the entire coverage period, in instalments or in full in a certain number of years.

Universal life insurance is very flexible and totally conforms to your needs because you can add or remove features and increase or decrease premiums at any time. The savings component can be accessed anytime, barring any restrictions attached to the investment type, making this an ideal emergency or retirement fund.

For more information about these and other insurance products, visit the insurance product section of the Desjardins Financial Security website at desjardinslifeinsurance.com. NC

insurance


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!!

$459,900

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.

Glenbrook 3 Bedroom Duplex!Great Opportunity to own a 3 bedroom duplex in Glenbrook under $250,000. Both sides are available and offer great cash flow for investors. 3 Bedrooms, 1.5 baths, updated furnace, parking for 2 cars, Close to Mount Royal University, shopping and transit.

$259,900$249,900

Ken YeohBroker/Owner

403.803.8981 www.mapleleafrealty .ca

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•

EDGEMONT

CALGARY SOUTH

HAMPTONS

ASPEN WOODS

BRIDGELAND

$6

80

,00

0$6

5,0

00

$5

49

,00

0

$8

55

,00

0$2

59

,90

0

SOLD

SOLD SOLD

Insurance products remain

a mystery

to Canadian consumers

A recent survey conducted by Desjardins Group as part of its Personal Finance Index found that most Canadian consumers know very little about insurance products. To measure their general

understanding of these products, eight personal money management questions were added to this year’s survey. The results indicated that:• Only 44 per cent knew that not all insurance policies come with surrender value.• Just 30 per cent did not know whether their credit card came with travel insurance, whereas 32 per cent knew that it did but knew little about the coverage itself.

In terms of other types of insurance, a third of respondents have refused a mortgage insurance product offered by a lending institution, without first assessing their financial situation or comparing costs with other mortgage insurance products available on the market. And less than half of the respondents showed a real understanding of how they were protected by their home insurance.

These results indicate that there remains a gap in the public’s understanding of personal finance. We asked Reh Bhanji, an insurance expert from Desjardins Financial Security for his assessment. “Clearly, there is still much we can do as financial advisors to help Canadians improve their financial knowledge,” said Bhanji. “Of course, some people are uncomfortable to talk about money, but it actually can be fun. We have tools that help illustrate different scenarios which can help reignite a person’s enthusiasm towards their finances and insurance coverage. And it’s actually very important because it allows you to better manage life changes like a new addition to the family, a new home, a new job, etc.”

What’s the best way to start improving personal financial habits and to learn more about insurance? One way is to sit down with a financial advisor or an insurance representative to discuss your current life, health and disability insurance needs. A properly trained representative will then suggest a suitable product that offers the best protection. You may be interested in trying the online self-evaluation tool available on the Desjardins Group’s Co-opme Program website at desjardins.com/co-opme. And here are two brief descriptions of some life insurance products to help get you started:

Permanent life insurance can be adapted to long-term goals and premiums can be paid as fixed amounts for the entire coverage period, in instalments or in full in a certain number of years.

Universal life insurance is very flexible and totally conforms to your needs because you can add or remove features and increase or decrease premiums at any time. The savings component can be accessed anytime, barring any restrictions attached to the investment type, making this an ideal emergency or retirement fund.

For more information about these and other insurance products, visit the insurance product section of the Desjardins Financial Security website at desjardinslifeinsurance.com. NC

insurance


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

SAR

CE

E T

RA

IL

MA

CLE

OD

TR

AIL

MARQUIS OF LORNE TRA

TRANSCA NADA HIGHWAY

Cougar Ridge

WestSprings

Aspen Woods

StrathconaPark

Christie ParkSignature

Parke

Signal Hill

RichmondHill Glamorgan

Glenbrook

Glendale

Shaganappi

Killarney

CFBCurrie

Lincoln Park

Lakeview

Eagle Ridge Kin

gsla

ndC

anyo

nM

eado

ws

Pal

liser

Pum

phill

Bayview Haysboro

Braeside

OakridgeEstates

Oakridge

Cedarbrae

Woodbine

Woodland

ShawneeSlopes

MillriseEvergreen

BridlewoodSomerset

Shawnessy

aC

nwodae

M noy Esta

tse

Sou

thw

ood

LakeviewVillage

NorthGlenmore Park

WindsorPark

Altadore/River Park

ElbowPark

Bankview

SouthCalgary

Bel Air

KelvinGrove

ChinookPark

MayfairMeadowlarkPark

Mis

sion

Par

khill

/S

tanl

ey P

ark E

rlton

Roxboro

ElboyaBritannia

Ric

hmon

d

Rutla

nd P

ark

Scarborro

Sunalta

Connaught

MountRoyal

Downtown

VictoriaPark

WestEnd

EastVillage

EauClaire

Westgate Roscarrock

WildwoodSpruceCliff

CoachHill

Patterson

SpringbankHill

Discovery RidgeTh

e S

lope

s

Cresmont

zoneCcommunities & mls numbers

The Pinnacle of

A Brand New Magazine Dedicated to High-End Properties in Calgary and Area

LUXURYThe only magazine of its kind in Calgary, Luxury Living showcases high-end homes, condos and apartments. This is your exclusive opportunity to establish your property as the pinnacle of af� uent living.

Pick up your FREE copy.

Brought to you by the publishers of

LUXURYLiving in Calgary and area

october 2012

Your guide to LuXuriouS LiFeStYLeS

EnsuitEs: One of life’s

greatest luxuries

Paul Hardy: Celebrating

10 years of design

Creating tHe

ultimate garage

WHat’s on your

estate Home WisH list?

01 FrontCover_FINAL.indd 1

10/4/12 3:35:41 PM

TO BOOK YOUR ADVERTISING SPACE CONTACT:

Anita Van Breevoort 403.461.5518 [email protected]

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

SAR

CE

E T

RA

IL

MA

CLE

OD

TR

AIL

MARQUIS OF LORNE TRA

TRANSCA NADA HIGHWAY

Cougar Ridge

WestSprings

Aspen Woods

StrathconaPark

Christie ParkSignature

Parke

Signal Hill

RichmondHill Glamorgan

Glenbrook

Glendale

Shaganappi

Killarney

CFBCurrie

Lincoln Park

Lakeview

Eagle Ridge Kin

gsla

ndC

anyo

nM

eado

ws

Pal

liser

Pum

phill

Bayview Haysboro

Braeside

OakridgeEstates

Oakridge

Cedarbrae

Woodbine

Woodland

ShawneeSlopes

MillriseEvergreen

BridlewoodSomerset

Shawnessy

aC

nwodae

M noy Esta

tse

Sou

thw

ood

LakeviewVillage

NorthGlenmore Park

WindsorPark

Altadore/River Park

ElbowPark

Bankview

SouthCalgary

Bel Air

KelvinGrove

ChinookPark

MayfairMeadowlarkPark

Mis

sion

Par

khill

/S

tanl

ey P

ark E

rlton

Roxboro

ElboyaBritannia

Ric

hmon

d

Rutla

nd P

ark

Scarborro

Sunalta

Connaught

MountRoyal

Downtown

VictoriaPark

WestEnd

EastVillage

EauClaire

Westgate Roscarrock

WildwoodSpruceCliff

CoachHill

Patterson

SpringbankHill

Discovery Ridge

The

Slo

pes

Cresmont

zoneCcommunities & mls numbers

The Pinnacle of

A Brand New Magazine Dedicated to High-End Properties in Calgary and Area

LUXURYThe only magazine of its kind in Calgary, Luxury Living showcases high-end homes, condos and apartments. This is your exclusive opportunity to establish your property as the pinnacle of af� uent living.

Pick up your FREE copy.

Brought to you by the publishers of

LUXURYLiving in Calgary and area

october 2012

Your guide to LuXuriouS LiFeStYLeS

EnsuitEs: One of life’s

greatest luxuries

Paul Hardy: Celebrating

10 years of design

Creating tHe

ultimate garage

WHat’s on your

estate Home WisH list?

01 FrontCover_FINAL.indd 1

10/4/12 3:35:41 PM

TO BOOK YOUR ADVERTISING SPACE CONTACT:

Anita Van Breevoort 403.461.5518 [email protected]

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


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

Mortgage SpecialiSt202, 5403 Crowchild Tr. N.W.

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

Self employed? New to Canada? Vacation homes? Rental purchase? Refinance for debt management?

My experience and service will work for you.

all subject to change, lender qualifications will apply

Three year rate 2.69% Five year fixed 3.09% – It’s a great deal!

insuranceneeds

How to protect your home against water damagePLEASE MAKE IT

SHORTER Canada’s occasional severe weather means that basement flooding and water damage, unfortunately, can be common.

Damage from sewer backups is costly for homeowners, municipalities and insurance companies. Based on recent estimates, the Canadian insurance industry pays $1.32 billion each year in claims due to water damage.

Water damage can result in expensive repair bills. It can also ruin carpeting, furniture and electronic equipment, not to mention destroy priceless family photos and treasures.

Fortunately, there are steps you can take to protect your home and your property.

Inside your home» Move valuable items from the basement to upper floors.» Use water-resistant building materials below ground level.» Install a sump pump.» Install backwater valves or plugs for drains, toilets and

other sewer connections.» Raise large appliances, furnaces, hot water heaters and

electrical panels up on wood or cement blocks above the water level. If an item can’t be raised, consider anchoring it and protecting it with a floodwall or shield.

» Anchor fuel tanks to the floor. A fuel tank can tip over or float in a flood, causing fuel to spill or catch fire.

» Make sure vents and fill-line openings are above flood levels. If you use propane, contact the propane company before proceeding.

» Install flood shields or built-up barriers for basement windows and doors.

Outside your home» Ensure proper lot grading. If possible, build up the ground

around your house so water can drain away from your basement walls.

» Check sidewalks, patios, decks and driveways to make sure they haven’t settled over time and are causing water to drain toward your house.

» Clear snow away from the house foundation. If the ground is sloped one inch per foot near the house, moving snow just three to five feet from the house will reduce problems.

» Keep water out of window wells.» Make sure downspouts extend at least six feet from your

basement wall. Water should drain away from your house and neighboring homes toward the street, backyard or back lane.

More tips» Going away? If for more than three days, have someone check

your property. In the winter, drain the plumbing or have someone check daily that the heat is still on in your home.

» Store important documents and irreplaceable personal items away from flood-prone areas.

» Keep hazardous materials such as paint, oil and cleaning supplies out of the basement.

» Create an emergency plan, including an escape route and where you would go if your home was flooded.

» Plan for your pets. They aren’t allowed in shelters due to health regulations, and if left behind, stressed pets may damage your house and endanger themselves.

» Have an emergency preparedness kit to help you get through the first 72 hours of a disaster. Visit ibc.ca.F I N D Y O U R H A P P Y P L A C E


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

GLENMORE TRAIL

MA

CLE

OD

TR

AIL

MARQUIS OF LORNE TRAILD

EER

FOO

T T

RA

IL

FoothillsIndustrial Park

ShepardIndustrial Park

OgdenLynnwood

Riverbend

Fairview

Manchester

Highfield

InglewoodRamsay

Acadia

Willow Park

Queensland

DiamondCove

DeerRidge Deer Run

ParklandMidnapore

Sundance

McKenzieLake

DouglasdaleEstates

DouglasRidge

DouglasGlen

McKenzieTowne

Copperfield

NewBrighton

Cranston

AuburnBay

Seton

LakeChaparral

WillowPark Est

LakeBonavistaEstates

Lake Bonavista

Maple R

idge

zoneDcommunities & mls numbers

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

NOVEMBER 2012

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

Real PRoPeRties

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

GLENMORE TRAIL

MA

CLE

OD

TR

AIL

MARQUIS OF LORNE TRAIL

DEE

RFO

OT

TR

AIL

FoothillsIndustrial Park

ShepardIndustrial Park

OgdenLynnwood

Riverbend

Fairview

Manchester

Highfield

InglewoodRamsay

Acadia

Willow Park

Queensland

DiamondCove

DeerRidge Deer Run

ParklandMidnapore

Sundance

McKenzieLake

DouglasdaleEstates

DouglasRidge

DouglasGlen

McKenzieTowne

Copperfield

NewBrighton

Cranston

AuburnBay

Seton

LakeChaparral

WillowPark Est

LakeBonavistaEstates

Lake Bonavista

Maple R

idge

zoneDcommunities & mls numbers

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

NOVEMBER 2012

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

Real PRoPeRties

46 • ResaleHome&CondoGuide | Volume12 Issue11 Virtual 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

PLUS a 2-bedrm In-law and many extras in quiet and picturesque surroundings.High quality finishing, open floor plan-car garage plus ample driveway,landscaped lot, 2 decks & patio, skylights, plus so much more.

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

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!

$189,0001.4 Acres within 10 minute walk to French Beach!

$165,000BusinessTurn Key OperationYarn Store

$119,9002 bed/ 1 bathBeachfront Condo

$77,7773 bed/ 2 bathVacant

$279,900Ocean View Lot0.39 acres

$299,900. Top Floor Condo2 Bed/ 2 BathOver 1400 Sq. Ft.

$549,9004 bed/ 2 bath.61 Acre

$555,0003 bed/ 2 bath9.12 Acres

$525,0005 bed/ 5 bathFully Fenced 1.01 Acre

$399,9003 bed/ 1 bathCabin and Moorage on Riverfront

$799,9002 bed/ 3 bathOcean Views2.56 Acres

$275,0003 bed/ 2 bath Half Duplex

$249,9003 bed/ 2 bathTimber Chalet

$649,9003 bed/ 3 bathOcean View 2.83 Acres

SOOK

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MAL

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DUNC

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MONTHLY PAD RENT $455 MONTHLY FEE $214

NO MONTHLY FEES!

MONTHLY FEE $275

With winter closing

in, thoughts start to turn to lapping waves, crackling campfires and

tranquil forests. It’s the time of year when summer house, cabin or beach house fever starts to take hold.

But the sunny dream of owning a vacation home may be dampened by the reality of property prices in many of Canada’s popular vacation destinations, plus the usual home-ownership expenses such as a mortgage, utilities, and taxes. Sharing these costs via joint ownership, can be a way for families or friends to buy a place that still feels like their own.

“The only way we were able to realize our dream of owning a chalet in Whistler was by splitting the purchase price and ongoing costs,” says Rishi Bhalla, a Vancouver resident who bought a ski home with his brother and another friend. “By purchasing the property together we are able to afford the type of place we wanted and can share the maintenance expenses. None of us could have done it on our own.”

However, before making the leap into co-ownership of a recreational property, buyers must be sure they really understand the ins and outs of shared ownership.

“Before deciding to split the purchase with relatives or friends, having the right mix of personalities is key to a long-lasting arrangement,” cautions Jim Rawson of Invis, one of Canada’s largest mortgage brokerage firms. “You and the

other owners will have to decide jointly on everything – from when maintenance or urgent repairs need to get done, to shopping for common supplies.”

Rawson suggests considering the following questions as a group before moving forward: Does owning a vacation property fit your lifestyle? In addition to the fun and leisure aspects of a vacation home it is important to factor in the time and cost involved in year-round upkeep. How will the property be used? If your dream is to own a ready-to-live-in relaxing hideaway while your co-owner’s dream of a northern DIY project, you may not see eye-to-eye when it comes to how you will be spending your weekends.

It’s important to think carefully about how much time you and your co-owners plan to spend at the vacation property. Will you be vacationing as a group, or do you want to trade off on weekends? Will one use the property more than the other? Will it be a 50/50 split? Have you thought about what’s involved before you put it up for rent? While most Canadians buy a second home for recreational use, growing numbers are also buying for investment purposes. Determine in advance how you will split, and claim, the rental income. In the case of a vacation property that you intend to rent out most of the time, the lender may deduct the rental income from your total monthly debt payments when qualifying you for a mortgage. It is important to be aware that not all lenders will take rental income into account – a mortgage broker can advise you on this.

Guidelines for renters may also be a part of the discussion. “One of our co-owners and I were interested in renting the chalet while our other owner wanted to use the chalet for personal use only. We worked together to determine the format that would work best for all three parties,” Bhalla says. “For instance, we decided to have locked storage lockers installed so that we could leave items when we have renters.” Can you afford the financing? While it certainly helps to go in with a co-purchaser, you want to be sure that your waterfront property isn’t putting you under water. Seek independent advice on what size of mortgage you can reasonably handle – a mortgage broker can arrange a mortgage pre-approval, which will give you a clear price range. Bhalla notes that there are other issues to consider when arranging financing. “At first we thought that all three owners should apply for a mortgage,” he says, “but after consulting our Invis mortgage expert, we realized that only one individual should apply. We avoided being turned down for a mortgage because of this piece of advice.”

“The bottom line is that emotion shouldn’t trump common sense when it comes to buying vacation property,” Rawson suggests. “Buyers need to do their mortgage homework, and the advice of a mortgage broker can help them get the most for their vacation home dollar.”

recproperties

Joint ownership can work... if you do your homework

Virtual 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

PLUS a 2-bedrm In-law and many extras in quiet and picturesque surroundings.High quality finishing, open floor plan-car garage plus ample driveway,landscaped lot, 2 decks & patio, skylights, plus so much more.

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

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!

$189,0001.4 Acres within 10 minute walk to French Beach!

$165,000BusinessTurn Key OperationYarn Store

$119,9002 bed/ 1 bathBeachfront Condo

$77,7773 bed/ 2 bathVacant

$279,900Ocean View Lot0.39 acres

$299,900. Top Floor Condo2 Bed/ 2 BathOver 1400 Sq. Ft.

$549,9004 bed/ 2 bath.61 Acre

$555,0003 bed/ 2 bath9.12 Acres

$525,0005 bed/ 5 bathFully Fenced 1.01 Acre

$399,9003 bed/ 1 bathCabin and Moorage on Riverfront

$799,9002 bed/ 3 bathOcean Views2.56 Acres

$275,0003 bed/ 2 bath Half Duplex

$249,9003 bed/ 2 bathTimber Chalet

$649,9003 bed/ 3 bathOcean View 2.83 Acres

SOOK

E

SOOK

E

CENT

RAL

SAAN

ICH

SOOK

E

SOOK

E

SOOK

ESO

OKE

MAL

AHAT

SOOK

E

SOOK

ESO

OKE

SOOK

ESO

OKE

DUNC

AN

MONTHLY PAD RENT $455 MONTHLY FEE $214

NO MONTHLY FEES!

MONTHLY FEE $275

With winter closing

in, thoughts start to turn to lapping waves, crackling campfires and

tranquil forests. It’s the time of year when summer house, cabin or beach house fever starts to take hold.

But the sunny dream of owning a vacation home may be dampened by the reality of property prices in many of Canada’s popular vacation destinations, plus the usual home-ownership expenses such as a mortgage, utilities, and taxes. Sharing these costs via joint ownership, can be a way for families or friends to buy a place that still feels like their own.

“The only way we were able to realize our dream of owning a chalet in Whistler was by splitting the purchase price and ongoing costs,” says Rishi Bhalla, a Vancouver resident who bought a ski home with his brother and another friend. “By purchasing the property together we are able to afford the type of place we wanted and can share the maintenance expenses. None of us could have done it on our own.”

However, before making the leap into co-ownership of a recreational property, buyers must be sure they really understand the ins and outs of shared ownership.

“Before deciding to split the purchase with relatives or friends, having the right mix of personalities is key to a long-lasting arrangement,” cautions Jim Rawson of Invis, one of Canada’s largest mortgage brokerage firms. “You and the

other owners will have to decide jointly on everything – from when maintenance or urgent repairs need to get done, to shopping for common supplies.”

Rawson suggests considering the following questions as a group before moving forward: Does owning a vacation property fit your lifestyle? In addition to the fun and leisure aspects of a vacation home it is important to factor in the time and cost involved in year-round upkeep. How will the property be used? If your dream is to own a ready-to-live-in relaxing hideaway while your co-owner’s dream of a northern DIY project, you may not see eye-to-eye when it comes to how you will be spending your weekends.

It’s important to think carefully about how much time you and your co-owners plan to spend at the vacation property. Will you be vacationing as a group, or do you want to trade off on weekends? Will one use the property more than the other? Will it be a 50/50 split? Have you thought about what’s involved before you put it up for rent? While most Canadians buy a second home for recreational use, growing numbers are also buying for investment purposes. Determine in advance how you will split, and claim, the rental income. In the case of a vacation property that you intend to rent out most of the time, the lender may deduct the rental income from your total monthly debt payments when qualifying you for a mortgage. It is important to be aware that not all lenders will take rental income into account – a mortgage broker can advise you on this.

Guidelines for renters may also be a part of the discussion. “One of our co-owners and I were interested in renting the chalet while our other owner wanted to use the chalet for personal use only. We worked together to determine the format that would work best for all three parties,” Bhalla says. “For instance, we decided to have locked storage lockers installed so that we could leave items when we have renters.” Can you afford the financing? While it certainly helps to go in with a co-purchaser, you want to be sure that your waterfront property isn’t putting you under water. Seek independent advice on what size of mortgage you can reasonably handle – a mortgage broker can arrange a mortgage pre-approval, which will give you a clear price range. Bhalla notes that there are other issues to consider when arranging financing. “At first we thought that all three owners should apply for a mortgage,” he says, “but after consulting our Invis mortgage expert, we realized that only one individual should apply. We avoided being turned down for a mortgage because of this piece of advice.”

“The bottom line is that emotion shouldn’t trump common sense when it comes to buying vacation property,” Rawson suggests. “Buyers need to do their mortgage homework, and the advice of a mortgage broker can help them get the most for their vacation home dollar.”

recproperties

Joint ownership can work... if you do your homework

out of town

CALGARY

Bragg Creek

Black DiamondTurner Valley

Cochrane

Airdrie

StrathmoreStandard

HussarChestermere

Langdon

Shepard

Dalemead

DeWinton Carseland Mossleigh

Arrowwood

Gleichen

ClunyBassano

Milo

Blackie

Okotoks

Longview

High River

Cayley

Nanton

Stavely

Claresholm

Vulcan

Champion

Caramangay

Crossfield

Didsbury

Cremona

Bearspaw

Balzac

Carstairs

Acme

Carbon

Rockyford

Beieker

Irricana

KeomaDelacourt Dalroy

Lyalta

Katherine

1A

1

168

22

22

7

8

22

22 2A

21

72 9

24

23

2

2A

56

2

27

22X22X

567

772

574

766

766

562

581

575

567

791

564

566564

817791

797

569

840842

561

547

547

552

549549

543

541

540

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520

527

520

529

842

842

542

531

534

806

regional map


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

Dean BenoiteReal Estate Broker, Investor, Landlord

[email protected]

Professional Service Professional results

Win a car promotion being offered by Precision Real Estate

WIN A NEW CAR!

www.DeanRealestate.ca* Not intended to solicit properties currently under contract.

Draw date is Dec 21, 2012

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

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

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

Crescent Heights$409,000

• Amazing City views• 2 bedroom corner unit

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

403.835.4904 One of my clients is going to

Buy or sell a home with me and you are entered!

featureproperty

sought-after MayfairFabulous renovated bungalow in

Enjoy the fabulous features and finishes of a new custom built home with all the benefits of living in an established, mature community with this absolutely stunning bungalow in southwest Calgary.

This completely renovated, immaculate, four-bedroom home gives you the unique opportunity of owning a “new home” in the highly sought-after community of Mayfair.

“This is a pretty spectacular home,” says Dianne Brown, realtor with Re/Max Landan Real Estate who is listing the property. “The home has been redone right from the studs so it’s like getting a new home, in fact better than new because the builder is a finishing carpenter and was on the site working and supervising the trades every day making sure every detail was attended to.”

The result is a magnificent home with gorgeous custom-crafted built-ins and top quality, upscale features and finishes such as charcoal-toned hardwood flooring, exposed beam ceilings, custom Hunter Douglas blinds (some with remotes), heated tile floors in the bathrooms, Kohler fixtures and lighting on the stairs.

Stepping inside this 1,820-sq.-ft. bungalow you’ll see a custom-crafted, free-standing closet in the foyer and directly across is a free-standing, floor-to-ceiling cabinet that acts as subtle separation between the entry and the great room and kitchen area, ensuring some privacy while maintaining the open floorplan. The cabinet also provides storage on both sides and blends in seamlessly with the other cabinetry in the home.

B y H e at H e r r ya n

sought-after MayfairFabulous renovated bungalow in A dramatic, open beam, vaulted ceiling and an

abundance of huge windows ensure the main living space is bright and open. The great room is highlighted along one wall by a gas fireplace, built-in cabinet and large TV or picture niche surrounded in stone. Across from it is an expansive dining room ideal for hosting dinner parties or large family gatherings.

The delectable gourmet kitchen features custom dark maple cabinetry, quartz counter tops, flat-surface island with breakfast bar seating, three-dimensional stone backsplash that matches the stone work around the fireplace, valance lighting and professional line stainless steel appliances, including a built-in wall oven with microwave above and gas stove.

Garden doors between the kitchen and great room lead to large deck crafted with low-maintenance Duradeck, and a private sunny, south-facing yard.

The master bedroom provides a welcoming retreat with “room for king-size furniture, his and hers walk-in closets with organizers and a luxurious, spa inspired five-piece ensuite with jetted soaker tub, long vanity with dual sinks and separate walk-in shower,” Brown says. “The second bedroom easily provides room for a queen bed, has a walk-in closet and a four-piece ensuite.”

The main floor also features a charming half-bath with vessel sink and a laundry/mud room off the garage with built-in bench and cabinetry.

Homeowners will adore the fully developed basement that features a bright, open design with full eight-ft. ceilings, another full laundry with built-in counter, two generous-sized bedrooms and a full bathroom with soaker tub.

At the bottom of the stairs is a den area with built-in desk and cabinetry and around the corner is an impressive family room with an incredible wet bar featuring built-in wine fridge, dishwasher and an assortment of cabinets. There is also a built-in entertainment centre, a corner gas fireplace surrounded in stone and another custom cabinet for additional storage.

The home comes with new electrical, plumbing and mechanical, LED lighting, low-E Argon windows and a security system.

It also features a new acrylic stucco/stone exterior with new soffits and shingles, new tongue and groove cedar fencing, new triple-car attached garage that has been insulated and drywalled and all new landscaping with sprinkler system.

This gorgeous home will be ideal for families, couples who love to entertain, or empty-nesters.

For more information about this listing and others offered by Dianne Brown at Re/Max Landan Real Estate, visit diannebrown.ca or e-mail [email protected].

marketanalysis

B Y H E AT H E R R YA N

Real estate activity in Calgary outpacing last year

While residential sales in September fell short of matching the numbers registered in August, activity in the city of Calgary continues to outpace last year, according in � gures released

by the Calgary Real Estate Board (CREB®).Combined residential sales – single-family homes and

condos – were 1,617 in September, a 6.3 per cent decline from 1,725 posted in August, but up 10.7 per cent from last September’s 1,461 in sales. A� er the � rst three quarters of the year, combined residential sales within city limits totalled 17,018, a 15.2 per cent increase over the 14,775 in sales recorded in the � rst nine months of 2011.

Single-family sales in September in the city of Calgary were 1,132, a 9.4 per cent hike over September 2011’s 1,035, but down 3.2 per cent from the 1,169 sales in August.

Condo sales in the city of Calgary followed the same track as single-family homes in September. Condo apartment sales totalled 276 in September, a 16.95 per cent increase over the 236 sales recorded in September 2011, but a 12.4 per cent drop from August’s 315, and condo townhome sales were 209 in September, a 10 per cent gain over last September’s 190 total, but a 13.3 per cent decline from the 241 sales in August.

“September was a bit slower than expected, we typically see more activity as people are looking to buy now to move in before Christmas,” says CREB® president Bob Jablonski. “But overall we saw good activity in the market and Realtors I’ve talked to are happy to see a normal market for a change.

“I think the change in the mortgage rules may be having a bit of an impact on sales as some people have to wait a little longer to save before they can buy, but overall we’re seeing steady sales activity and pricing,” he says. “We’re certainly not going through a correction in the market that other big cities are experiencing.”

For the � rst time in months, the number of new listings added increased in month-to-month comparisons

in September in two categories, “but the inventory is still down overall this year, which does have an impact on sales,” Jablonski says.

“People who are seeking a� ordability or can’t � nd what they are looking for in Calgary are turning to the surrounding towns,” he says. Residential sales in the towns were 418 in September a 35.3 per cent hike from last September’s 309, and year-to-date sales total 4,110, up 41 per cent from the 2,914 in sales recorded by the end of September last year.

� e number of new single-family homes listings added in September totalled 1,888, up 4.1 per cent from August’s 1,811, but down 18 per cent from the 2,303 new listings added last September.

Meanwhile, new condo apartment listings added in September were 495, up 6.3 per cent from the 464 in August, but a 8.5 per cent drop from the 541 recorded in September 2011, and new condo townhouse listings in September were 297, down 4.2 per cent from the 310 added in August, and a 17 per cent drop from the 358 in September 2011.

While sales were down from August, the MLS Home Price Index benchmark price rose in all areas in year-to-year comparisons. � e benchmark price for single-family homes in the city of Calgary in September was $432,900, an 8.2 per cent increase over the $400,100 price in September 2011 and a slight bump up from $432,600 in August.

� e benchmark price for condo apartments in September was $249,300, 3.8 per cent higher than last September’s $240,100 and a notch above the $248,700 in August, while condo townhomes’ benchmark price was $277,700 in September, up 2.3 per cent from September 2011’s $271,600, but a slight decline from August’s $278,200.

“We’re seeing a nice, steady increase in prices,” Jablonski says. “Nothing dramatic but we’re seeing prices recover from the past few years and a return to a more normal market.”

RICHARD KIMRE/MAX HOUSE OF REAL ESTATE

House of Real EstateIndependently Owned and Operated

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 basement5 full and 1 half baths• 4 car oversized • attached garageTop-of-the-line • fi nishings throughoutAlberta New Home • registered builder

Wonderful location • across from the ravine1550 sf 2 storey • homeUpper fl oor bonus • room with fi replaceDouble attached • garageFully landscaped and • ready to move inEnjoy the deck • overlooking the ravine

WATERMARK AT BEARSPAW, 300 SPYGLASS WAY • $2,150,000 246 ROYAL ELM RD NW • $399,900

Beautifully renovated • top to bottom1123 sf bungalow, • total 4 bedrooms Walk to Elbow Park • SchoolTriple detached • garage with paved alley50’x125’ lot with • south back yardMove-in condition•

Backing a peaceful • wooded green space2371 sf plus a fully • fi nished walkout basement!Stunning home • featuring granite, hardwood, etcNewly renovate • walkout basement2 storey great room • with views!

915 38 AVE SW ELBOW PARK • $1,250,000 2435 CORTINA DR SW • $784,000

Over 2000sf main • fl oor offi ce condoConfi gured with 7 • offi ces & open areaM• ens and ladies washrooms and storageI• ncludes 4 parking stalls and visitor parkingIdeal for professional • corporationWalk to Chinook • C-train

O• ver 2 acres of privacyLess than 10 mins to • city limits Walking distance to • the lake2658sf plus a fully • fi nished basement3 bedrooms up plus 3 • more in the basementO• versized double garageGorgeous tree lined • pie lot

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

Sunny south back • yard Oversized 65’x • 125’ lotOver 2000sf above • grade4 bedrooms plus 2 • downDouble attached • garageExceptional • redevelopment site!

Highly sought after • ridge location Spectacular views!!!• 3170 sf plus 1272 sf • lower leverSingle attached plus • double detached garageTop-of-the-line • fi nishing’sStill time to pick your • colors

ELBOW PARK - 1119 38 AVE SW • $1,175,000 2912 TORONTO CRESENT NW • $2,225,000

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

www.calgarycondopros.comwww.luxurycalgaryhomes.ca

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toP of royal lePage in canada1%

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• Custom built timber framed inspired executive residence• Gated community backing onto a private treed yard with large pond & running creek • Cathedral ceilings, solid timbers, stone fireplace with raised hearth, gourmet kitchen• Lower front walkout level offers two additional bedrooms • Triple Attached garage, Oversized footings, Logix insulated concrete with Engineer’s Stamp, slab heating, emergency generator and more.

• Glenmeadow Gardens a highly sought after 55+ complex

• 2 bedroom converted into a 1 bedroom • Spacious living room & dining room. • Main floor unit & Underground parking

• 3,333 sq ft Arts and Crafts style home • Gourmet kitchen with professional appliances • Backing onto a massive private mature green space• Double Detached garage. Only Mins to Downtown.

• Fully updated 2000+ sq ft bungalow • Family sized living room with wood fireplace • Fully finished basement • Double attached garage

• Main Floor 2 bedroom suite • 875sq ft unit with Parking • Excersise & Party room • Close to shopping and transit

20 Wintergreen Backs onto 18th Hole at Wintergreen Golf Club. $1,450,000

Crecent Heights Asking $11,500,000

55+ complex $219,900

Luxury Home in Currie Barracks $2.250,000

Fantastic home backing onto Pond •1764 sq ft s Storey •Fully Developed walkout basement •Amazing backyard and landscaping •

Luxstone in Airdrie $434,900

Meadowlark Cr SW $875,000

Dorchester Sq $269,900

Updated 1 •bedroom + den

Over 1200 sq •ft and insuite laundry

Spacious living •and dining room

Pool, Full •time security, Billards, 1 Under grnd Prk

Westmount Place $288,888

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Updated 1 •bedroom + den

62ftx22ft •patio great for entertaining

Hardwood •flooring, SS appliances,

Ensuite •Laundry, Underground parking

Downtown West End $308,88818+ adult •complex.

2 bedrooms •1 bath

Laminate •flooring, Updated kitchen,

Singl parking stall •Walk to transit •and Crowfoor shopping center

Ranchlands Townhouse $194,900

Spacious •west facing 2 bedroom.

Granite & SS •Appliances.

Concrete •building built in 2009

Short walk to •new LRT station

Killarney 2 bedroom $299,900

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 $399,900Colors in Victoria Park $659,000

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

www.calgarycondopros.comwww.luxurycalgaryhomes.ca

it’s about partnership™...it’s about connections.www.ripco.ca

• Modern, innovative design concept, wrapped in old world curb appeal

• Amazing Montain Views to the West.• Triple car garage• Walkout to the main level West Coast Style.

Built in 2003 but shows like new. •Spacious master with spa like ensuite •Very private backyard. •Great lower development with guest bdrm •

• Custom built timber framed inspired executive residence• Gated community backing onto a private treed yard with large pond & running creek • Cathedral ceilings, solid timbers, stone fireplace with raised hearth, gourmet kitchen• Lower front walkout level offers two additional bedrooms • Triple Attached garage, Oversized footings, Logix insulated concrete with Engineer’s Stamp, slab heating, emergency generator and more.

8000sq ft Uber Luxury home on 0.56 of an acre •Panoramic 360 degree view of Downtown & Mountains •Guggenheim inspired rotunda and curved staircase •Roof top patio with hot tub. •Once in a life time opportunity •

• Like new 12,000 sq ft with 11,500 sq ft finished. 2 storey walkout with indoor pool• Nestled in a heavily treed half acre premiere lot in the heart of Mount Royal minutes to trendy 17th Avenue and the core of the downtown business district• This property is reminiscent of a chalet in Whistler or Vail and could be described as an executive post-and-beam mountain style estate in the heart of the city

• Glenmeadow Gardens a highly sought after 55+ complex

• 2 bedroom converted into a 1 bedroom • Spacious living room & dining room. • Main floor unit & Underground parking

• Well maintained 4 level split• Walkout level family rm with gas FP• 3 bedrooms and 2 full baths• Double garage with attic storage• Quiet location close to park

Backing directly onto a beautiful large •mature green spaceSprawling 2 storey feels like a lofted bungalow •Over 3200 sq ft of developed space •Luxury furnishings from top to bottom. •Triple attached garage. •

• Exciting front walk-out bungalow• Kitchen opens to a private Lanai with fireplace and BBQ hookup• Elevator provides easy access from the walkout level• Heated 3 car garage with side drive

• 2900 sqft 4 bedroom home • Fully Finished lower walkout basement.• Triple attached garage.• Only mins to the city limits.

• 3,333 sq ft Arts and Crafts style home • Gourmet kitchen with professional appliances • Backing onto a massive private mature green space• Double Detached garage. Only Mins to Downtown.

• Custom built by Empire Homes • Contemporary floor plan • Still time to choose your finishing, colours and details • Call for full specifications & Floor Plans.

• Contemporary 4500 sq ft 5 bedroom executive home in the heart of Elboya • Gourmet kitchen with side by side SS fridges • Double dishwashers,Tons of counter space, storage in this modern kitchen • Amazing back yard with 24x20 double detached garage

• Brand New under construction • 5500sq ft + walk out basement • Amazing Mountain & Valley views • To many upgrades for this small space

• Custom built by Empire Homes• Contemporary floor plan• Still time to choose your finishing, colours and details • Call for full specifications & Floor Plans.

• Fully updated 2000+ sq ft bungalow • Family sized living room with wood fireplace • Fully finished basement • Double attached garage

New in Springvalley $1,495,000

Killarney Infill $679,900

20 Wintergreen Backs onto 18th Hole at Wintergreen Golf Club. $1,450,000

Crecent Heights Asking $11,500,000

Mount Royal $8,500,000

55+ complex $219,900

Taradale $349,900

Currie Barracks $2,498,000

Springbank Hill $1,450,000

Calling Horse Estates $1,195,000

Luxury Home in Currie Barracks $2.250,000 Elbow Park $3,498,000

• Extraordinary custom built• Oversized lot in com. of Elbow Park• Approx 9200 sq ft of living space• Premium appliance package incl. • Fully Fin Basement 5 bedrooms

Elbow Park $5,590,000

Fantastic home backing onto Pond •1764 sq ft s Storey •Fully Developed walkout basement •Amazing backyard and landscaping •

Luxstone in Airdrie $434,900

Elboya $2,175,000 Brand New In Bearspaw $2,250,000

Elbow Park $3,280,000

Meadowlark Cr SW $875,000

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18+ adult •complex.

2 bedrooms •1 bath

Laminate •flooring, Updated kitchen,

Singl parking stall •Walk to transit •and Crowfoor shopping center

Ranchlands Townhouse $194,900

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 $399,900

soLdcaLgary’s HigHestseLLing property

in 2011

Resale Home & Condo Calgary - Nov 02, 2012

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