Welcome Home With Deb & Michelle: January 2021

WELCOME HOME:

with Deb & Michelle Able Realty Use the camera on your mobile device to scan these codes.

You will be able to see all of the online listings available on both Deb and Michelle’s websites!

IN THIS ISSUE: Our Listings December’s Housing Stats Pro Tips: First Time Home Buyer Aid

JAN 2021

WELCOME TO REAL ESTATE:

with Deb Cook & Michelle Bailey Confidence.

Commitment.

Connection.

Yorkton’s ONLY team specializing in:

RESIDENTIAL

COMMERCIAL

FARM

Meeting all of your real estate needs!

Deb Cook

Michelle Bailey

ABR, SRS, RENE

ABR, SRS, RENE

REALTOR

REALTOR

Phone: 306.621.6495

Email: deb.cook@century21.ca Consistent High Quality Service 2014-2017

2

Outstanding Sales & Performance 2018, 2020

2020

Phone: 306.621.5032

Email: michelle.bailey@century21.ca Top Performer 2014-2018

Outstanding Sales & Performance 2020

2020

DEC 2020

Able Realty

NUMBER OF

AVERAGE

$183,917

LISTINGS

PRICE

LAST YEAR

SOLD

ACTIVE

$266,230

98

NUMBER OF

SOLD

LAST YEAR

PROPERTIES

157

AVERAGE DAYS ON MARKET

:

85

WELCOME MESSAGE:

12 LAST YEAR 10

Happy New Year!

We hope you all enjoyed a blessed Christmas and were able to find peace and joy amidst the chaos. We all survived an unbelievable year of turmoil, and we pray that 2021 is an easier year for everyone.

Surprising to us is the fact that the 2020 residential real estate market was on fire! We were fortunate to welcome multiple families into their new homes this year (and help many homeowners sell their home during unsettled times).

While interest rates remain at an all time low, it’s a fantastic time to consider jumping into home ownership! We have broken down payment options for all of our listings on page 4 and 5. If you’re paying rent, you will likely find that mortgage payments could be substantially less than what you’re currently paying each month. *Biweekly payments on the next page are based on 5% down, 1.72% interest, and are principal and interest only (CMHC fees included), 5 year term, 25 year ammortization.* We are in desperate need of some homes to sell for 2021. There are buyers just waiting for the right home to get listed as the inventory is very limited right now. If you are considering selling please give us a call :) @DebCookRealtor

@michellebaileycentury21

@debcookrealtor

@m.baileycentury21

CENTURY 21 Able Realty | DEB COOK 306.621.6495 | MICHELLE BAILEY 306.621.5032

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ON THE MARKET: MLS SK823821

MLS SK828150

MLS SK828078

YORKTON

$469,000

YORKTON

$375,000

YORKTON

$329,000

1 WHITESAND DRIVE BEDS: 4 | BATHS: 4 | SQ. FT: 2,345

53 CALDWELL DRIVE BEDS: 5 | BATHS: 3 | SQ. FT: 2,002

52 WINDFIELD PLACE BEDS: 5 | BATHS: 4 | SQ. FT: 1,894

*Bi-weekly payments of: $876.64

*Bi-weekly payments of: $700.94

*Bi-weekly payments of: $614.96

MLS SK834157

MLS SK837874

MLS SK822242

YORKTON

$289,000

WILLOWBROOK

$269,900

YORKTON

$228,900

#C - 334 MORRISON DRIVE BEDS: 3 | BATHS: 3 | SQ. FT: 1,400

WILLOWBROOK ACREAGE BEDS: 4 | BATHS: 2 | SQ. FT: 1,874

137 INDEPENDENT STREET BEDS: 3 | BATH: 1 | SQ. FT: 1,000

*Bi-weekly payments of: $540.19

*Bi-weekly payments of: $504.49

*Bi-weekly payments of: $ 427.85

MLS SK834870

SOLD

SOLD

SOLD

SOLD

YORKTON

YORKTON

YORKTON

32 CLARKE AVENUE BEDS: 5 | BATHS: 2 | SQ. FT: 1,124

26 RUSSELL DRIVE BEDS: 4 | BATHS: 2 | SQ. FT: 988

157 BETTS AVENUE BEDS: 4 | BATHS: 2 | SQ. FT: 1,438

SOLD

SOLD

MLS SK811113

SOLD

SOLD

$220,000

SOLD

SOLD

*Bi-weekly payments of: $411.22

ROUND LAKE

SOLD

2 LAKEWOOD ROAD BEDS: 2 | BATHS: 2 | SQ. FT: 816

YORKTON

SOLD

115 GORDON AVENUE WEST BEDS: 4 | BATHS: 2 | SQ. FT: 1,294

YORKTON

$164,900

89 FIFTH AVENUE NORTH BEDS: 3 | BATH: 1 | SQ. FT: 792 *Bi-weekly payments of: $308.23

MLS SK834491

MLS SK830974

THEODORE

$164,900

MLS SK831951

PELLY

$135,000

YORKTON

$130,000

125 PETERSON STREET BEDS: 6 | BATHS: 3 | SQ. FT: 1,083

304 SECOND STREET EAST BEDS: 3 | BATHS: 2 | SQ. FT: 1,120

72 VICTORIA AVENUE BEDS: 2 | BATH: 1 | SQ. FT: 770

*Bi-weekly payments of: $308.23

*Bi-weekly payments of: $252.34

*Bi-weekly payments of: $242.99

*All payments are based on rate 1.72%, 5 yr fixed, 25 year amortization. Rates subject to change without notice.

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CENTURY 21 Able Realty

The Listings

MLS SK823372

SOLD

SOLD YORKTON

$124,900

52 WESTSHORE GREENS BEDS: 3 | BATH: 1 | SQ. FT: 1,152

SOLD

SOLD

ESTERHAZY

SOLD

YORKTON

SOLD

640 KUBIK DRIVE BEDS: 3 | BATHS: 2 | SQ. FT: 2,544

94 INDEPENDENT STREET BEDS: 3 | BATHS: 2 | SQ. FT: 996

SOLD

SOLD

MLS SK830742

SOLD

SOLD

*Bi-weekly payments of: $233.46

YORKTON

SOLD

153 WELLINGTON AVENUE BEDS: 2 | BATH: 1 | SQ. FT: 746

YORKTON

SOLD

360 FOURTH AVENUE NORTH BEDS: 2 | BATH: 1 | SQ. FT: 708

YORKTON

$89,000

9 APPLETON DRIVE BEDS: 2 | BATH: 1 | SQ. FT: 952 *Bi-weekly payments of: $166.36

SOLD

MLS SK821898

SOLD

SOLD

SOLD

YORKTON

SOLD

35 REAMAN AVENUE BEDS: 2 | BATH: 1 | SQ. FT: 758

BREDENBURY

$56,000

231 6TH STREET SOUTH BEDS: 3 | BATH: 1 | SQ. FT: 960

SPRINGSIDE

SOLD

121 SEATON STREET BEDS: 2 | BATH: 1 | SQ. FT: 646

*Bi-weekly payments of: $104.67 MLS SK836008

MLS SK827048

SPRINGSIDE

$50,000

MLS SK809624

YORKTON

$34,900

SPRINGSIDE

$29,999

112 COLLINS AVENUE BEDS: 2 | BATH: 1 | SQ. FT: 820

3 APPLETON DRIVE BEDS: 3 | BATH: 1 | SQ. FT: 1,208

110 WILLIS AVENUE BEDS: 2 | BATH: 1 | SQ. FT: 871

*Bi-weekly payments of: $93.46

*Bi-weekly payments of: $65.23

*Bi-weekly payments of: $56.07

MLS SK819621

COMMERCIAL - SOLD

COMMERCIAL - MLS SK828039

SOLD SPRINGSIDE

$28,500

420 TAYLOR AVENUE BEDS: 0 | BATHS: 0 | ACRES: 0.28

YORKTON

SOLD

272 BROADWAY STREET WEST S3N 0N6 | SQ. FT: 1,785

YORKTON

$7.50

328 BROADWAY STREET WEST S3N 0N6 | SQ. FT: 3,181

*Bi-weekly payments of: $53.27 *All payments are based on rate 1.72%, 5 yr fixed, 25 year amortization. Rates subject to change without notice.

DEB COOK 306.621.6495 | MICHELLE BAILEY 306.621.5032

5

LOOKING BACK AT

2020

This year was a challenging one for everyone, and we want to extend our gratitude to all of our clients for allowing us to help them navigate through the uncertainties.

We feel honoured to be able to help.

The referral of your friends and family is the greatest compliment you could ever give; we appreciate that so much of our business comes from referrals.

Have a blessed 2021!

Thank you!

PRO TIPS:

First Time Home Buyer Aid

Buying your very first home is no small decision. There is much more involved than just “finding the house”. You may find there are more costs involved than you had imagined.

It’s bigger than just saving enough money for your downpayment. Things such as legal fees, inspections, taxes, insurance, and moving expenses should all be part of consideration when making your decision.

First-time home buyers in Canada are fortunate to have access to some programs available to help them in their venture. The following are four first-time home buyer programs you may qualify to apply for when you are ready to move forward.

The Home Buyers’ Plan (HBP)

This program is offered through the Canadian Revenue Agency (federal program) and allows a first-time buyer to withdraw up to $35,000 tax-free from their registered retirement savings plan (RRSP) to use as a loan to buy (or build) their first home. To qualify, you must be a first-time home buyer, have an agreement to buy or build, and you must plan to live in the qualifying home as your principal residence within one year after purchase. This money must be repaid within a 15 year period to avoid any penalties.

GST/HST New Housing Rebate

This program is specific to Canadians buying a newly constructed property (or substantial renovations to your existing home). The GST/

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CENTURY 21 Able Realty

PRO TIPS:

Continued..

HST new housing rebate allows you the opportunity to recoup some of your tax expenses.

The home you purchase (or your own home substantially renovated) must have a fair market value under $450,000 and must be your primary residence.

The First-Time Home Buyer Incentive

This program is overseen by the Canada Mortgage and Housing Corporation (CMHC) , and its goal is to reduce monthly payments with a shared-equity mortgage with the federal government. New buyers can claim 5% or 10% of the property’s purchase price to put toward a down payment. Within a 25-year period, or when the home is sold, the same percentage value of the home is paid back. For example: you purchase a home worth $200,000 today and claim 5% from the program. 15 years from now you sell that home for $350,000 - you would then be paying back 5% of the $350,000 valuation. The homeowner can also pay back the incentive in full at any time. If buying a new construction home, purchasers can take 5% or 10%, and, if purchasing a resale property or a mobile home, buyers can take a 5% incentive. To be eligible for the First-Time Home Buyer Incentive , your household income must not exceed $120,000, your total borrowing cannot be more than four times your qualifying income, and you must meet minimum down payment requirements.

The Home Buyers’ Tax Credit (HBTC)

This program offers first-time buyers up to $5,000 of the purchase with a qualifying home purchase. This includes single family, semi-detached, condominium and townhouse properties that are fully completed or under construction. Once again, you must intend on using the property as your primary residence no later than one year after purchase. This rebate is simply entered on your tax return (line 31270). Note: The rebate can be split between spouses by applying on each return (combined amounts not to exceed the $5,000 total) Things are constantly changing in real estate. If you are looking for the latest information and professional advice just give us a call! We will gladly share our experience and expertise.

If we don’t have the answers, we are connected to a variety of professionals who will know them.

HAND-PICKED HELP FOR YOUR HOME:

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All your favourite brands, all in one place.

PREMIUM DENIM EXPERTS

DAVID

BITTON

OUTFITTI N G CO.

Mark’s Yorkton | 26 - 230 Broadway Street East | 306.782.1414

DEB COOK 306.621.6495 | MICHELLE BAILEY 306.621.5032

7

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HAND-PICKED HELP FOR YOUR HOME:

Our Hometown Faves!

Leland Campbell Kondratoff Persick LLP Barristers & Solicitors

YORKTON

CANORA 116 2nd Avenue

36 Fourth Avenue North

KAMSACK 445 Second Street

306-783-8541 www.lelandcampbell.com

Able Realty