calgary home guide - 29 jan., 2016

Fabulous new estate home in well-established Kelvin Grove

[email protected] | www.zaharko.com

CHRIS ZAHARKO ROYAL LePAGE

BenchmarkFor more information on this property, please go to pages 16-17

INSIDE THIS ISSUE

CALGARY EDITION

JAN 29 - FEB 26, 2016VOLUME 16, ISSUE 01, FREE

PREPARING FOR THE NEWDOWN PAYMENT RULES

STAGING YOUR HOME:HOW IT CAN HELP

NEIGHBOURHOOD PROFILEON VICTORIA PARK

Highland Park $679,000

1940 SQ FT, fully � nished basement, all the bells and whistles, with vaulted ceilings, ready for immediate possession. MLS#C4036969

Penbrooke $200,000

Rosedale $669,000

MLS C4038959 You can either live in the cozy bungalow or build your dream home on this 50x120 lot. This 2 bedroom bungalow was be-ing rented for which makes an excellent investment property as well. The basement is fully developed with another bedroom, bathroom and a rec room. This property comes with blueprints for a 2 storey home. Plan is for a 3350 square foot home with 4.5 baths and 3+1 bedrooms, fully � nished basement and a triple detached garage.

REAL ESTATE [email protected]

Abbeydale $115,000

1216 SQFT modular home featuring 3 bed-rooms and 2.5 baths. The kitchen has a sky light and a 3 sided � replace that is shared with the living room. The master bedroom has a large 5 piece ensuite with a separate shower and a jetted tub. The 10x10 storage shed is in-cluded in the sale price. Easy walk to the club house which includes a hottub, sauna, exercise room and social room. The city bus stops at the front gate.

David Crick

Highland Park $679,000

1940 SQ FT, fully � nished basement, all the bells and whistles, with vaulted ceilings, ready for immediate possession. MLS#C4036969

Penbrooke $200,000

MLSC4038903 Great investment property!! Was renting for $1100 a month. This 2 bedroom townhouse has a fresh coat of paint, and new hot water tank, new roof, new high ef� ciency furnace, new � ooring and new windows in the basement. The kitchen has a lunch counter with double sinks and a broom closet. There is a balcony with a large deck in the backyard and a small deck out front. Close to all amenities including elementary school, park and city transit. No condo fees.

Rosedale $669,000

MLS C4038959 You can either live in the cozy bungalow or build your dream home on this 50x120 lot. This 2 bedroom bungalow was be-ing rented for which makes an excellent investment property as well. The basement is fully developed with another bedroom, bathroom and a rec room. This property comes with blueprints for a 2 storey home. Plan is for a 3350 square foot home with 4.5 baths and 3+1 bedrooms, fully � nished basement and a triple detached garage.

[email protected]

Lomond $75,000Abbeydale $115,000 Mountainview $98,500

Thats right, only $75,000 for this 900 sq ft home just a half hour east of Vulcan. If you like � sh-ing, there a 3 great � shing locations with in minutes of this location. Comes with a 75x120 foot lot and a single garage. This the perfect get away for a cottage or cash in your city home and get an inexpensive retirement home. There is a K to grade 12 school close by and all the businesses to provide you daily requirements. MLS# C4007508

1216 SQFT modular home featuring 3 bed-rooms and 2.5 baths. The kitchen has a sky light and a 3 sided � replace that is shared with the living room. The master bedroom has a large 5 piece ensuite with a separate shower and a jetted tub. The 10x10 storage shed is in-cluded in the sale price. Easy walk to the club house which includes a hottub, sauna, exercise room and social room. The city bus stops at the front gate.

Pride of ownership shows in this home! With hardwood � oors and oak cabinets. This 2 bed-room, 2 bathroom modular home is great value. There are glass doors leading out onto the deck and landscaped backyard which includes 2 storage sheds and a raised vegetable garden or � owerbed space. The master bedroom includes a 4 piece ensuite.and the 2nd bedroom enjoys and Jack and Jill entry. both bathrooms have been totally renovated Pad fees have just been raised to $450 per month. This is the cheapest living in Calgary with total costs of mortgage, pad fees and taxes under $1000 this is in the adult only section of the park 18+

4 YPNEXTHOME.CA

Let Len and Laura and their team put their extensive experience with the Calgary real estate market to work for you.

SaddLe ridgeTwo storey home on a quiet street. Sunny front porch, spacious and bright living room. Functional kitchen with raised island, maple cabinets and corner pantry. Large family dining space and access to back deck. Upper level includes a master bedroom with a three piece ensuite, two good size bedrooms and a four piece main bath. A fully fi nished basement with one bedroom, four piece bathroom and family room. Back lane access to a large backyard. Close to amenities and public transportation. MLS#C4038573

SpaciOuS & Bright!

$396,000

riverBendTotally renovated from the Studs in and skillfully designed Bi-level with over 1900 sqft of total living space. Spacious Main Floor boasts new custom kitchen cabinets, granite countertops, breakfast bar and dining area overlooking the living room. Engineered Hardwood fl ooring. Master bed w/door to South Deck. 2 additional bedrooms up and 4 piece bathroom with dual sinks, free standing claw tub & Circular glass shower. The Soundproof Basement is an experience to behold!! Large Bedroom and Custom shelving in your walk in closet. Your own private retreat with Marble Tile in Spa featuring dual sinks, enclosed Standup Steam/Rainfall shower with glass subway tile and speakers. Another large Living or Rec Room area. Enjoy the summer evenings on the big South Facing deck, low maintenance and fully fenced backyard. Double detached insulated garage. Close to schools, Quarry Park, Downtown and community park down the street. Future YMCA and C-train station. Lots of upgrades throughout. A must see to appreciate. MLS#C4043006

tOtaLLy renOvated!

$534,900

tuxedOExtensively Updated 2 storey attached home w/recently developed bsmnt & double dtchd grge.Located in the heart of Tuxedo.Very bright & open plan.Recently painted throughout,new lights,new hardwd fl oors throughout main fl r.Formal Living & dining rm.Updated kitchen with w quartz counter tops & s/s appliances open to family rm w/ gas insert fp.Built in pantry,2 pc powder rm & mudrm w/ built-ins.Staircase leading upstairs to lrg master bedrm w/ newly renovated 5 pc ensuite w/ stand alone soaker tub and over sized shower & huge separate w/i closet.2 other good sized bedrms w an updated 4 pc bathrm.Recently developed bsemnt w lrg recreation rm,4 pc bathrm, lrg bedrm w/ w/i closet & storage laundry area.Lrg south bckyrd w/interlocking patio & double dtchd garage.Home built w/sound reducing brick common wall.Pride of ownership shown throughout.Quiet location, walking distance to amenities.Minutes to downtown,easy access to deerfoot!Exceptional Value! MLS#C4037245

extenSiveLy updated hOme!

$584,900

rOcky ridge ranchExecutive custom built 2 storey with fully developed basement and double attached garage in showhome condition. Total of 5 bdrms, main fl r den and 4 baths. This home has been updated over the years. Formal living and dining rm. Laminate fl rs thru out main fl r and ceramic tiles. Updated kitchen with centre island and breakfast eating bar, granite, designer tiled backsplash and upgraded black appliances open to eating area and large family rm with gas fi replace. French dr leading out from kitchen to a secluded deck with west backyard, shed and RV parking. Main fl r den and mud rm with laundry hook up. Gorgeous spiral staircase leading upstairs to large master bdrm with 4pc ensuite with slate fl rs, jetted tub, o/s shower and walk in closet. 3 other good sized bdrms and 4pc main bath. Professionally developed basement with rec rm, bdrm, 4pc bath, workout rm, 2nd kitchen/wet bar, ideal for in law suite with cork fl ring. Quiet location. Walking distance to park and amenities. Easy access. MLS#C4031709

Quiet LOcatiOn, eaSy acceSS!

$618,900

rOyaL OakBeautiful fully fi nished home located in the Estates of Royal Oak. This gorgeous open concept 2 Storey home has so many features; grand kitchen with maple cabinets, granite counter tops and a Jenn-Aire cooktop/Grill. The large double deck has a gas line hook up for the bbq. The main fl oor has 9 ft. ceilings with hardwood and tile fl oors. The upstairs boasts a massive bonus room with beautiful views and 3 large bedrooms, the master bedroom has a corner soaker tub and separate shower and large walk-in closet. The basement is fully fi nished , the wine/cold room could be made into a 4th bedroom. This house has 2 hot water tanks, and has air conditioning for those hot summer days! It is located on a very quiet street close to parks/playgrounds. This house is very close to walking/biking trails, 5-minute walk to the Tuscany LRT/train station. There are so many amenities close by; Sobey’s/Walmart, Restaurants, Beacon Hill Plaza and the YMCA to be open in 2017. University is 15 minutes away. MLS#C4042624

eState hOme!

$674,900

aSpen wOOdSExceptionally well maintained bungalow with walkout basement on a pie shaped lot located in a cul de sac in Aspen Stone. 4 bdrms and 4 baths. Vaulted ceilings on the main fl r. Bright and open maple kitchen with breakfast eating bar, granite, and designer tiled backsplash and s/s and black appliances open to eating area and huge great rm with stone packed gas fi replace. French dr leading out to maintenance free deck with south facing backyard. Large master bdrm with 5pc ensuite with large soaker tub, shower and walk in closet. 4pc main bath with a bdrm or den. Main fl r laundry rm with walk thru pantry to kitchen. Professionally developed walkout with family rm with gas fi replace, wet bar, 2 bdrms, rec rm and cold rm. French dr leading from family rm to large south backyard. Double attached garage. Ideal for empty nester or older family. Walking distance to Webber Academy, amenities and other schools. Minutes to downtown. Exceptional value! MLS#C4040296

exceptiOnaL vaLue!

$689,900

SignaL hiLLExecutive custom built 2 storey w/fully dvlpd w/o bsmnt located on a pie shaped lot in show home condition w/ clay tile roof.3 bedrms,bonus rm & 4 bathrms.Very bright & open plan.Bright sunny kitchen w/breakfast eating bar w/newer s/s appliances open to lrg eating area & great rm.2 pc powder rm.Gorgeous staircase leading upstairs to lrg bonus rm w/ vaulted ceilings,fp & built-ins.Ceramic tiles & hardwood fl rs throughout main fl r & laminate fl ring on the 2nd fl r. Lrg master bedrm w/ his & hers closets & 4 c ensuite w/jetted tub & separate shower.2 other good sized bedrms w/a 4 pc ensuite.Dvlpd w/o bsmnt w/lrg recreation rm,4 pc bath w/2 shower heads & steam shower,laundry rm w/ sink,wet bar & sitting area & lrg storage rm w/wood pilot fp.Spectacular lndsapd west bckyrd w/ deck w/ railing & glass panels w/ derradeck & spiral staircase,leads to concrete patio w/ huge enclosed fi repit.Exceptional Value!Must see to appreciate location, yard & pride of ownership.Excellent family home. MLS#C4044790

pie Shaped LOt!

$680,000

diScOvery ridgeBeautiful air conditioned bungalow with extensive upgrades throughout. Fully developed basement and double detached garage. Very bright and open plan. 4 bedrooms and 3 baths. Formal dining room with vaulted ceilings. Gleaming hardwood fl oors. Gourmet kitchen with dark stained cabinets, centre island with breakfast eating bar, granite countertops and stainless steel appliances including gas stove and built in oven open to large eating area and great room with gas fi replace. French door off eating area to deck and backyard. Large master bedroom with newly updated 5 piece ensuite with soaker tub and shower. 1 other good sized bedroom on the main fl oor with newly updated 3 piece bath with glass shower. Developed lower level with large rec room with gas fi replace and built ins, 2 bedrooms and 3 piece bath. Landscaped yard. Backs onto treed area. Easy access and close to all amenities. MLS#C4034497

Stunning BungaLOw!

$679,900

gLamOrganExceptionally well maintained bungalow with fully developed walkout basement ready to move in and enjoy. Total of 3 bdrms and 3 baths. Very bright and open plan. Vaulted ceilings in the formal dining and living room with fi replace and skylight. Upgraded Cherry oak cabinets with granite countertops and designer tiled backsplash with stainless steel and black appliances with eating area and patio dr leading out to large maintenance free deck. Large master bdrm with new carpets and 4pc updated ensuite with jetted tub, separate shower and large closet with built ins. 4pc main bath. Main fl r laundry with sink and cabinets. Professionally developed walkout basement with family rm with wet bar, bdrm, cheater 4pc ensuite and fl ex rm ideal for workout rm/games rm or storage. Patio drs leading out to a secluded yard. Double attached garage. Quiet location. Walking distance to amenities, schools and transportation. Ideal for empty nester or professional couple. Exceptional value. MLS#C4039655

BeautifuL BungaLOw!

$459,900

BOw ridge, cOchraneFully Developed Walkout Bungalow with over 2200 sq ft of living space built by Kingsmith Homes. Main fl oor boasts a Living Room with Fireplace, large Kitchen Island with Granite Countertops and Maple Hardwood fl oors. Master bedroom with 4 piece ensuite and walk in closet, 1 additional good sized bedroom. Basement has infl oor heating throughout, rec room/living room area, 3 additional bedrooms and 4 piece bathroom. Walkout to fully landscaped and fenced yard, custom garden shed. Deck has views of the valley. Newer paint, carpet, appliances and granite countertops in all bathrooms. Great quiet location overlooking park across the street. Close to shopping and schools. Well Maintained and pride of ownership is evident. MLS#C4043751

Spruce cLiffExecutive 2 bedroom plus den apartment condo overlooking Shaganappi Golf Course in showhome condition. Very bright and open plan. Gourmet kitchen with breakfast eating bar and stainless steel appliances open to large dining area and huge great room with gas fi replace. Double French doors leading out to covered deck with Golf Course and city views. Main fl oor den and separate laundry room. 3 piece bathroom. Large master bedroom with 5 piece spa like ensuite with large walk in closet. French door leading out from master bedroom to another deck with view. 2nd bedroom was converted into a TV room and easily converted back. 1 underground, titled, heated parking stall and storage locker. Quiet building. Walking distance to LRT, shopping, schools and amenities. Minutes to downtown. Pride of ownership shown throughout. Ideal for professional couple or empty nester. Exceptional value! MLS#C4043842

canyOn meadOwS Fully Renovated 4 level split 1803 Total sq.ft well maintained and cared for home in Canyon Meadows. New Carpet, tiles, hardwood, paint throughout. Updated White Kitchen cabinets with Granite countertops and Stainless steel appliances. Main fl oor has Living room, formal dining room and nook area. Upstairs has large master bedroom with updated 2 piece bathroom, 2 other good sized rooms and updated 4 piece bathroom. 3rd level with Family room and Tiled Surround Fireplace, an additional bedroom and 3 piece bathroom with tiled stand up shower. 4th level has Recreation Room, Laundry and furnace room. Very well maintained, lots of upgrades throughout the years. Pear and Apple trees in the fully fenced, landscaped yard. One Block away from Canyon Meadows LRT. MLS#C4039195

fuLLy renOvated!

$469,800

DISCOVER THE ADVANTAGE

highLand park Brand new executive custom built 2 storey attached home w/ fully developed bsmt. 9ft ceilings on main fl r & bsmt. Total of 4 bdrms & 4 baths. Gourmet kitchen w/ centre island w/ breakfast eating bar, quartz counters, designer tiled backsplash & s/s appl open to large living rm & great rm w/ gas fp & built ins. 2pc powder rm. Gorgeous staircase leading upstairs w/ 2 skylights to large master bdrm w/ 5pc spa ensuite w/ large soaker tub, separate steam shower, skylight & large walk in closet. 2 other good sized bdrms 4pc bath. 2nd fl r laundry rm w/ sink & built ins. Prof developed bsmt w/ large family rm w/ wet bar, large bdrm with walk in closet & 4pc bath. Solid core drs thru out. Low E windows. Solid drs. Roughed in for A/C, security & vacuum system. Fully landscaped west bkyd. Oversized, insulated & drywalled double detached garage with 8 ft garage dr. Quiet location. Walking distance to schools, amenities & transportation. 1yr builders warranty & 5yr Progressive Warranty. MLS#C4040719

Brand new attached hOme!

$689,900

Oakridge2 storey condo townhouse with 2 bedrooms backing onto greenspace. Great location! Close to walking paths and Glenmore Reservoir. Large living room with wood burning fireplace and patio doors to large deck. Updated kitchen with stainless steel stove and fridge. 2 spacious bedrooms upstairs and 4 piece bathroom big enough for a washer and dryer. Walking distances to schools and all amenities. Great first time buy or investment property. MLS#C4036440

great LOcatiOn!

$209,900

BeLtLine This beautiful one bedroom, one bathroom downtown condo boasts 540sqf. It is perfectly located to restaurants, cafes and shopping. The stylish kitchen boasts granite countertops, stainless steel appliances (fridge, stove, dishwasher and microwave) with an eating bar. The bright living room is open to large sliding doors to your outdoor patio. The bedroom is very spacious with a large custom closet. The gorgeous bathroom boasts a deep soaker tub and vanity. The outdoor parking stall is assigned and there is ample street parking for your guests. MLS#C4043697

great LOcatiOn!

$229,900

SunnySideInner city living at its best! 1 bedroom condo in the heart of Kensington with city views! Take advantage of the great location, 1/2 block to Sunnyside LRT station and Safeway. Walking distance to trendy 10 St and Kensington Rd with tons of restaurants, pubs and shops. Enjoy the river pathways. Quiet building. Condo has one generous sized bedroom and one 4 piece bath with soaker tub. Galley kitchen with granite countertops and stainless steel appliances. Laminate floors. Insuite laundry. Assigned parking in the back of building. Ideal for investment or young professional. MLS#C4042223

inner city Living!

$220,000

$314,900

aBBeydaLeLocated on a quiet street, 970 sq ft Bungalow, Main floor has large living room, 2 bedrooms and newly renovated bathroom with new toilet and tub. Laminate flooring in Kitchen. Dining room area leads to Sunroom and nicely landscaped and fenced yard with dog run. 22x24’ Parking pad for 2 vehicles and future garage development or RV parking. Basement is partially developed with extra bedroom, office and furnace/laundry room. Central Air throughout the home, newer furnace, self cleaning 50 Gallon hot water tank and roof. Well maintained home. MLS#C4043653

LOcated On a Quiet Street

$299,800

SunSet ridge, cOchraneBrand new Landmark attached Brookside III 2 storey with single attached garage and walkout basement. Mountain views. Energy efficient with dual pane windows and high efficiency furnace. 2 bedrooms, 3 baths and loft. Over 1300 sq ft. Bright and open plan. Gorgeous kitchen with granite countertops and stainless steel appliances open to eating area and large great room. 2 piece powder room. Upstairs has large master bedroom and 4 piece ensuite. 1 other good sized bedroom and 4 piece main bath. 2nd floor laundry room. Spacious loft area. Undeveloped basement. 5 year Builder’s Warranty and 10 year Alberta New Home Warranty. MLS#C4039597

Brand new!

$349,900

SaddLe ridgeTwo storey home on a quiet street. Sunny front porch, spacious and bright living room. Functional kitchen with raised island, maple cabinets and corner pantry. Large family dining space and access to back deck. Upper level includes a master bedroom with a three piece ensuite, two good size bedrooms and a four piece main bath. A fully finished basement with one bedroom, four piece bathroom and family room. Back lane access to a large backyard. Close to amenities and public transportation. MLS#C4038573

SpaciOuS & Bright!

$396,000

riverBendTotally renovated from the Studs in and skillfully designed Bi-level with over 1900 sqft of total living space. Spacious Main Floor boasts new custom kitchen cabinets, granite countertops, breakfast bar and dining area overlooking the living room. Engineered Hardwood flooring. Master bed w/door to South Deck. 2 additional bedrooms up and 4 piece bathroom with dual sinks, free standing claw tub & Circular glass shower. The Soundproof Basement is an experience to behold!! Large Bedroom and Custom shelving in your walk in closet. Your own private retreat with Marble Tile in Spa featuring dual sinks, enclosed Standup Steam/Rainfall shower with glass subway tile and speakers. Another large Living or Rec Room area. Enjoy the summer evenings on the big South Facing deck, low maintenance and fully fenced backyard. Double detached insulated garage. Close to schools, Quarry Park, Downtown and community park down the street. Future YMCA and C-train station. Lots of upgrades throughout. A must see to appreciate. MLS#C4043006

tOtaLLy renOvated!

$534,900

tuxedOExtensively Updated 2 storey attached home w/recently developed bsmnt & double dtchd grge.Located in the heart of Tuxedo.Very bright & open plan.Recently painted throughout,new lights,new hardwd floors throughout main flr.Formal Living & dining rm.Updated kitchen with w quartz counter tops & s/s appliances open to family rm w/ gas insert fp.Built in pantry,2 pc powder rm & mudrm w/ built-ins.Staircase leading upstairs to lrg master bedrm w/ newly renovated 5 pc ensuite w/ stand alone soaker tub and over sized shower & huge separate w/i closet.2 other good sized bedrms w an updated 4 pc bathrm.Recently developed bsemnt w lrg recreation rm,4 pc bathrm, lrg bedrm w/ w/i closet & storage laundry area.Lrg south bckyrd w/interlocking patio & double dtchd garage.Home built w/sound reducing brick common wall.Pride of ownership shown throughout.Quiet location, walking distance to amenities.Minutes to downtown,easy access to deerfoot!Exceptional Value! MLS#C4037245


$584,900

rOcky ridge ranchExecutive custom built 2 storey with fully developed basement and double attached garage in showhome condition. Total of 5 bdrms, main flr den and 4 baths. This home has been updated over the years. Formal living and dining rm. Laminate flrs thru out main flr and ceramic tiles. Updated kitchen with centre island and breakfast eating bar, granite, designer tiled backsplash and upgraded black appliances open to eating area and large family rm with gas fireplace. French dr leading out from kitchen to a secluded deck with west backyard, shed and RV parking. Main flr den and mud rm with laundry hook up. Gorgeous spiral staircase leading upstairs to large master bdrm with 4pc ensuite with slate flrs, jetted tub, o/s shower and walk in closet. 3 other good sized bdrms and 4pc main bath. Professionally developed basement with rec rm, bdrm, 4pc bath, workout rm, 2nd kitchen/wet bar, ideal for in law suite with cork flring. Quiet location. Walking distance to park and amenities. Easy access. MLS#C4031709


$618,900

eState hOme!

$674,900

Len T. WongBroker

Laura o’ConneLLAssociate/Partner

gLamOrganExceptionally well maintained bungalow with fully developed walkout basement ready to move in and enjoy. Total of 3 bdrms and 3 baths. Very bright and open plan. Vaulted ceilings in the formal dining and living room with fireplace and skylight. Upgraded Cherry oak cabinets with granite countertops and designer tiled backsplash with stainless steel and black appliances with eating area and patio dr leading out to large maintenance free deck. Large master bdrm with new carpets and 4pc updated ensuite with jetted tub, separate shower and large closet with built ins. 4pc main bath. Main flr laundry with sink and cabinets. Professionally developed walkout basement with family rm with wet bar, bdrm, cheater 4pc ensuite and flex rm ideal for workout rm/games rm or storage. Patio drs leading out to a secluded yard. Double attached garage. Quiet location. Walking distance to amenities, schools and transportation. Ideal for empty nester or professional couple. Exceptional value. MLS#C4039655

BeautifuL BungaLOw!

$459,900

BOw ridge, cOchraneFully Developed Walkout Bungalow with over 2200 sq ft of living space built by Kingsmith Homes. Main floor boasts a Living Room with Fireplace, large Kitchen Island with Granite Countertops and Maple Hardwood floors. Master bedroom with 4 piece ensuite and walk in closet, 1 additional good sized bedroom. Basement has infloor heating throughout, rec room/living room area, 3 additional bedrooms and 4 piece bathroom. Walkout to fully landscaped and fenced yard, custom garden shed. Deck has views of the valley. Newer paint, carpet, appliances and granite countertops in all bathrooms. Great quiet location overlooking park across the street. Close to shopping and schools. Well Maintained and pride of ownership is evident. MLS#C4043751

waLkOut BungaLOw!

$489,900

Spruce cLiffExecutive 2 bedroom plus den apartment condo overlooking Shaganappi Golf Course in showhome condition. Very bright and open plan. Gourmet kitchen with breakfast eating bar and stainless steel appliances open to large dining area and huge great room with gas fireplace. Double French doors leading out to covered deck with Golf Course and city views. Main floor den and separate laundry room. 3 piece bathroom. Large master bedroom with 5 piece spa like ensuite with large walk in closet. French door leading out from master bedroom to another deck with view. 2nd bedroom was converted into a TV room and easily converted back. 1 underground, titled, heated parking stall and storage locker. Quiet building. Walking distance to LRT, shopping, schools and amenities. Minutes to downtown. Pride of ownership shown throughout. Ideal for professional couple or empty nester. Exceptional value! MLS#C4043842

OverLOOking gOLf cOurSe!

$529,900

canyOn meadOwS Fully Renovated 4 level split 1803 Total sq.ft well maintained and cared for home in Canyon Meadows. New Carpet, tiles, hardwood, paint throughout. Updated White Kitchen cabinets with Granite countertops and Stainless steel appliances. Main floor has Living room, formal dining room and nook area. Upstairs has large master bedroom with updated 2 piece bathroom, 2 other good sized rooms and updated 4 piece bathroom. 3rd level with Family room and Tiled Surround Fireplace, an additional bedroom and 3 piece bathroom with tiled stand up shower. 4th level has Recreation Room, Laundry and furnace room. Very well maintained, lots of upgrades throughout the years. Pear and Apple trees in the fully fenced, landscaped yard. One Block away from Canyon Meadows LRT. MLS#C4039195

fuLLy renOvated!

$469,800

cOpperfieLd 2 bedroom condo with 1 titled parking stall. Bright and open plan with hardwood floors. Maple kitchen with granite countertops and black appliances. Spacious living room with corner gas fireplace and patio doors leading out to private patio. Master bedroom with 4 piece ensuite. 2nd bedroom and 4 piece bath. Insuite laundry. Close to all amenities. Easy access to Stoney Trail, Deerfoot and 52 St. Great first time buy or investment. MLS#C4038791

great 1St time Buy Or inveStment!

$241,900

Let Len and Laura and their team put their extensive experience with the Calgary real estate market to work for you.

SaddLe ridgeTwo storey home on a quiet street. Sunny front porch, spacious and bright living room. Functional kitchen with raised island, maple cabinets and corner pantry. Large family dining space and access to back deck. Upper level includes a master bedroom with a three piece ensuite, two good size bedrooms and a four piece main bath. A fully fi nished basement with one bedroom, four piece bathroom and family room. Back lane access to a large backyard. Close to amenities and public transportation. MLS#C4038573

SpaciOuS & Bright!

$396,000

riverBendTotally renovated from the Studs in and skillfully designed Bi-level with over 1900 sqft of total living space. Spacious Main Floor boasts new custom kitchen cabinets, granite countertops, breakfast bar and dining area overlooking the living room. Engineered Hardwood fl ooring. Master bed w/door to South Deck. 2 additional bedrooms up and 4 piece bathroom with dual sinks, free standing claw tub & Circular glass shower. The Soundproof Basement is an experience to behold!! Large Bedroom and Custom shelving in your walk in closet. Your own private retreat with Marble Tile in Spa featuring dual sinks, enclosed Standup Steam/Rainfall shower with glass subway tile and speakers. Another large Living or Rec Room area. Enjoy the summer evenings on the big South Facing deck, low maintenance and fully fenced backyard. Double detached insulated garage. Close to schools, Quarry Park, Downtown and community park down the street. Future YMCA and C-train station. Lots of upgrades throughout. A must see to appreciate. MLS#C4043006

tOtaLLy renOvated!

$534,900

tuxedOExtensively Updated 2 storey attached home w/recently developed bsmnt & double dtchd grge.Located in the heart of Tuxedo.Very bright & open plan.Recently painted throughout,new lights,new hardwd fl oors throughout main fl r.Formal Living & dining rm.Updated kitchen with w quartz counter tops & s/s appliances open to family rm w/ gas insert fp.Built in pantry,2 pc powder rm & mudrm w/ built-ins.Staircase leading upstairs to lrg master bedrm w/ newly renovated 5 pc ensuite w/ stand alone soaker tub and over sized shower & huge separate w/i closet.2 other good sized bedrms w an updated 4 pc bathrm.Recently developed bsemnt w lrg recreation rm,4 pc bathrm, lrg bedrm w/ w/i closet & storage laundry area.Lrg south bckyrd w/interlocking patio & double dtchd garage.Home built w/sound reducing brick common wall.Pride of ownership shown throughout.Quiet location, walking distance to amenities.Minutes to downtown,easy access to deerfoot!Exceptional Value! MLS#C4037245


$584,900

rOcky ridge ranchExecutive custom built 2 storey with fully developed basement and double attached garage in showhome condition. Total of 5 bdrms, main fl r den and 4 baths. This home has been updated over the years. Formal living and dining rm. Laminate fl rs thru out main fl r and ceramic tiles. Updated kitchen with centre island and breakfast eating bar, granite, designer tiled backsplash and upgraded black appliances open to eating area and large family rm with gas fi replace. French dr leading out from kitchen to a secluded deck with west backyard, shed and RV parking. Main fl r den and mud rm with laundry hook up. Gorgeous spiral staircase leading upstairs to large master bdrm with 4pc ensuite with slate fl rs, jetted tub, o/s shower and walk in closet. 3 other good sized bdrms and 4pc main bath. Professionally developed basement with rec rm, bdrm, 4pc bath, workout rm, 2nd kitchen/wet bar, ideal for in law suite with cork fl ring. Quiet location. Walking distance to park and amenities. Easy access. MLS#C4031709


$618,900

rOyaL OakBeautiful fully fi nished home located in the Estates of Royal Oak. This gorgeous open concept 2 Storey home has so many features; grand kitchen with maple cabinets, granite counter tops and a Jenn-Aire cooktop/Grill. The large double deck has a gas line hook up for the bbq. The main fl oor has 9 ft. ceilings with hardwood and tile fl oors. The upstairs boasts a massive bonus room with beautiful views and 3 large bedrooms, the master bedroom has a corner soaker tub and separate shower and large walk-in closet. The basement is fully fi nished , the wine/cold room could be made into a 4th bedroom. This house has 2 hot water tanks, and has air conditioning for those hot summer days! It is located on a very quiet street close to parks/playgrounds. This house is very close to walking/biking trails, 5-minute walk to the Tuscany LRT/train station. There are so many amenities close by; Sobey’s/Walmart, Restaurants, Beacon Hill Plaza and the YMCA to be open in 2017. University is 15 minutes away. MLS#C4042624

eState hOme!

$674,900

aSpen wOOdSExceptionally well maintained bungalow with walkout basement on a pie shaped lot located in a cul de sac in Aspen Stone. 4 bdrms and 4 baths. Vaulted ceilings on the main fl r. Bright and open maple kitchen with breakfast eating bar, granite, and designer tiled backsplash and s/s and black appliances open to eating area and huge great rm with stone packed gas fi replace. French dr leading out to maintenance free deck with south facing backyard. Large master bdrm with 5pc ensuite with large soaker tub, shower and walk in closet. 4pc main bath with a bdrm or den. Main fl r laundry rm with walk thru pantry to kitchen. Professionally developed walkout with family rm with gas fi replace, wet bar, 2 bdrms, rec rm and cold rm. French dr leading from family rm to large south backyard. Double attached garage. Ideal for empty nester or older family. Walking distance to Webber Academy, amenities and other schools. Minutes to downtown. Exceptional value! MLS#C4040296

exceptiOnaL vaLue!

$689,900

SignaL hiLLExecutive custom built 2 storey w/fully dvlpd w/o bsmnt located on a pie shaped lot in show home condition w/ clay tile roof.3 bedrms,bonus rm & 4 bathrms.Very bright & open plan.Bright sunny kitchen w/breakfast eating bar w/newer s/s appliances open to lrg eating area & great rm.2 pc powder rm.Gorgeous staircase leading upstairs to lrg bonus rm w/ vaulted ceilings,fp & built-ins.Ceramic tiles & hardwood fl rs throughout main fl r & laminate fl ring on the 2nd fl r. Lrg master bedrm w/ his & hers closets & 4 c ensuite w/jetted tub & separate shower.2 other good sized bedrms w/a 4 pc ensuite.Dvlpd w/o bsmnt w/lrg recreation rm,4 pc bath w/2 shower heads & steam shower,laundry rm w/ sink,wet bar & sitting area & lrg storage rm w/wood pilot fp.Spectacular lndsapd west bckyrd w/ deck w/ railing & glass panels w/ derradeck & spiral staircase,leads to concrete patio w/ huge enclosed fi repit.Exceptional Value!Must see to appreciate location, yard & pride of ownership.Excellent family home. MLS#C4044790

pie Shaped LOt!

$680,000

diScOvery ridgeBeautiful air conditioned bungalow with extensive upgrades throughout. Fully developed basement and double detached garage. Very bright and open plan. 4 bedrooms and 3 baths. Formal dining room with vaulted ceilings. Gleaming hardwood fl oors. Gourmet kitchen with dark stained cabinets, centre island with breakfast eating bar, granite countertops and stainless steel appliances including gas stove and built in oven open to large eating area and great room with gas fi replace. French door off eating area to deck and backyard. Large master bedroom with newly updated 5 piece ensuite with soaker tub and shower. 1 other good sized bedroom on the main fl oor with newly updated 3 piece bath with glass shower. Developed lower level with large rec room with gas fi replace and built ins, 2 bedrooms and 3 piece bath. Landscaped yard. Backs onto treed area. Easy access and close to all amenities. MLS#C4034497

Stunning BungaLOw!

$679,900

gLamOrganExceptionally well maintained bungalow with fully developed walkout basement ready to move in and enjoy. Total of 3 bdrms and 3 baths. Very bright and open plan. Vaulted ceilings in the formal dining and living room with fi replace and skylight. Upgraded Cherry oak cabinets with granite countertops and designer tiled backsplash with stainless steel and black appliances with eating area and patio dr leading out to large maintenance free deck. Large master bdrm with new carpets and 4pc updated ensuite with jetted tub, separate shower and large closet with built ins. 4pc main bath. Main fl r laundry with sink and cabinets. Professionally developed walkout basement with family rm with wet bar, bdrm, cheater 4pc ensuite and fl ex rm ideal for workout rm/games rm or storage. Patio drs leading out to a secluded yard. Double attached garage. Quiet location. Walking distance to amenities, schools and transportation. Ideal for empty nester or professional couple. Exceptional value. MLS#C4039655

BeautifuL BungaLOw!

$459,900

BOw ridge, cOchraneFully Developed Walkout Bungalow with over 2200 sq ft of living space built by Kingsmith Homes. Main fl oor boasts a Living Room with Fireplace, large Kitchen Island with Granite Countertops and Maple Hardwood fl oors. Master bedroom with 4 piece ensuite and walk in closet, 1 additional good sized bedroom. Basement has infl oor heating throughout, rec room/living room area, 3 additional bedrooms and 4 piece bathroom. Walkout to fully landscaped and fenced yard, custom garden shed. Deck has views of the valley. Newer paint, carpet, appliances and granite countertops in all bathrooms. Great quiet location overlooking park across the street. Close to shopping and schools. Well Maintained and pride of ownership is evident. MLS#C4043751

Spruce cLiffExecutive 2 bedroom plus den apartment condo overlooking Shaganappi Golf Course in showhome condition. Very bright and open plan. Gourmet kitchen with breakfast eating bar and stainless steel appliances open to large dining area and huge great room with gas fi replace. Double French doors leading out to covered deck with Golf Course and city views. Main fl oor den and separate laundry room. 3 piece bathroom. Large master bedroom with 5 piece spa like ensuite with large walk in closet. French door leading out from master bedroom to another deck with view. 2nd bedroom was converted into a TV room and easily converted back. 1 underground, titled, heated parking stall and storage locker. Quiet building. Walking distance to LRT, shopping, schools and amenities. Minutes to downtown. Pride of ownership shown throughout. Ideal for professional couple or empty nester. Exceptional value! MLS#C4043842

canyOn meadOwS Fully Renovated 4 level split 1803 Total sq.ft well maintained and cared for home in Canyon Meadows. New Carpet, tiles, hardwood, paint throughout. Updated White Kitchen cabinets with Granite countertops and Stainless steel appliances. Main fl oor has Living room, formal dining room and nook area. Upstairs has large master bedroom with updated 2 piece bathroom, 2 other good sized rooms and updated 4 piece bathroom. 3rd level with Family room and Tiled Surround Fireplace, an additional bedroom and 3 piece bathroom with tiled stand up shower. 4th level has Recreation Room, Laundry and furnace room. Very well maintained, lots of upgrades throughout the years. Pear and Apple trees in the fully fenced, landscaped yard. One Block away from Canyon Meadows LRT. MLS#C4039195

fuLLy renOvated!

$469,800

DISCOVER THE ADVANTAGE

highLand park Brand new executive custom built 2 storey attached home w/ fully developed bsmt. 9ft ceilings on main fl r & bsmt. Total of 4 bdrms & 4 baths. Gourmet kitchen w/ centre island w/ breakfast eating bar, quartz counters, designer tiled backsplash & s/s appl open to large living rm & great rm w/ gas fp & built ins. 2pc powder rm. Gorgeous staircase leading upstairs w/ 2 skylights to large master bdrm w/ 5pc spa ensuite w/ large soaker tub, separate steam shower, skylight & large walk in closet. 2 other good sized bdrms 4pc bath. 2nd fl r laundry rm w/ sink & built ins. Prof developed bsmt w/ large family rm w/ wet bar, large bdrm with walk in closet & 4pc bath. Solid core drs thru out. Low E windows. Solid drs. Roughed in for A/C, security & vacuum system. Fully landscaped west bkyd. Oversized, insulated & drywalled double detached garage with 8 ft garage dr. Quiet location. Walking distance to schools, amenities & transportation. 1yr builders warranty & 5yr Progressive Warranty. MLS#C4040719

Brand new attached hOme!

$689,900

Oakridge2 storey condo townhouse with 2 bedrooms backing onto greenspace. Great location! Close to walking paths and Glenmore Reservoir. Large living room with wood burning fireplace and patio doors to large deck. Updated kitchen with stainless steel stove and fridge. 2 spacious bedrooms upstairs and 4 piece bathroom big enough for a washer and dryer. Walking distances to schools and all amenities. Great first time buy or investment property. MLS#C4036440

great LOcatiOn!

$209,900

BeLtLine This beautiful one bedroom, one bathroom downtown condo boasts 540sqf. It is perfectly located to restaurants, cafes and shopping. The stylish kitchen boasts granite countertops, stainless steel appliances (fridge, stove, dishwasher and microwave) with an eating bar. The bright living room is open to large sliding doors to your outdoor patio. The bedroom is very spacious with a large custom closet. The gorgeous bathroom boasts a deep soaker tub and vanity. The outdoor parking stall is assigned and there is ample street parking for your guests. MLS#C4043697

great LOcatiOn!

$229,900

SunnySideInner city living at its best! 1 bedroom condo in the heart of Kensington with city views! Take advantage of the great location, 1/2 block to Sunnyside LRT station and Safeway. Walking distance to trendy 10 St and Kensington Rd with tons of restaurants, pubs and shops. Enjoy the river pathways. Quiet building. Condo has one generous sized bedroom and one 4 piece bath with soaker tub. Galley kitchen with granite countertops and stainless steel appliances. Laminate floors. Insuite laundry. Assigned parking in the back of building. Ideal for investment or young professional. MLS#C4042223

inner city Living!

$220,000

$314,900

aBBeydaLeLocated on a quiet street, 970 sq ft Bungalow, Main floor has large living room, 2 bedrooms and newly renovated bathroom with new toilet and tub. Laminate flooring in Kitchen. Dining room area leads to Sunroom and nicely landscaped and fenced yard with dog run. 22x24’ Parking pad for 2 vehicles and future garage development or RV parking. Basement is partially developed with extra bedroom, office and furnace/laundry room. Central Air throughout the home, newer furnace, self cleaning 50 Gallon hot water tank and roof. Well maintained home. MLS#C4043653

LOcated On a Quiet Street

$299,800

SunSet ridge, cOchraneBrand new Landmark attached Brookside III 2 storey with single attached garage and walkout basement. Mountain views. Energy efficient with dual pane windows and high efficiency furnace. 2 bedrooms, 3 baths and loft. Over 1300 sq ft. Bright and open plan. Gorgeous kitchen with granite countertops and stainless steel appliances open to eating area and large great room. 2 piece powder room. Upstairs has large master bedroom and 4 piece ensuite. 1 other good sized bedroom and 4 piece main bath. 2nd floor laundry room. Spacious loft area. Undeveloped basement. 5 year Builder’s Warranty and 10 year Alberta New Home Warranty. MLS#C4039597

Brand new!

$349,900

SaddLe ridgeTwo storey home on a quiet street. Sunny front porch, spacious and bright living room. Functional kitchen with raised island, maple cabinets and corner pantry. Large family dining space and access to back deck. Upper level includes a master bedroom with a three piece ensuite, two good size bedrooms and a four piece main bath. A fully finished basement with one bedroom, four piece bathroom and family room. Back lane access to a large backyard. Close to amenities and public transportation. MLS#C4038573

SpaciOuS & Bright!

$396,000

riverBendTotally renovated from the Studs in and skillfully designed Bi-level with over 1900 sqft of total living space. Spacious Main Floor boasts new custom kitchen cabinets, granite countertops, breakfast bar and dining area overlooking the living room. Engineered Hardwood flooring. Master bed w/door to South Deck. 2 additional bedrooms up and 4 piece bathroom with dual sinks, free standing claw tub & Circular glass shower. The Soundproof Basement is an experience to behold!! Large Bedroom and Custom shelving in your walk in closet. Your own private retreat with Marble Tile in Spa featuring dual sinks, enclosed Standup Steam/Rainfall shower with glass subway tile and speakers. Another large Living or Rec Room area. Enjoy the summer evenings on the big South Facing deck, low maintenance and fully fenced backyard. Double detached insulated garage. Close to schools, Quarry Park, Downtown and community park down the street. Future YMCA and C-train station. Lots of upgrades throughout. A must see to appreciate. MLS#C4043006

tOtaLLy renOvated!

$534,900

tuxedOExtensively Updated 2 storey attached home w/recently developed bsmnt & double dtchd grge.Located in the heart of Tuxedo.Very bright & open plan.Recently painted throughout,new lights,new hardwd floors throughout main flr.Formal Living & dining rm.Updated kitchen with w quartz counter tops & s/s appliances open to family rm w/ gas insert fp.Built in pantry,2 pc powder rm & mudrm w/ built-ins.Staircase leading upstairs to lrg master bedrm w/ newly renovated 5 pc ensuite w/ stand alone soaker tub and over sized shower & huge separate w/i closet.2 other good sized bedrms w an updated 4 pc bathrm.Recently developed bsemnt w lrg recreation rm,4 pc bathrm, lrg bedrm w/ w/i closet & storage laundry area.Lrg south bckyrd w/interlocking patio & double dtchd garage.Home built w/sound reducing brick common wall.Pride of ownership shown throughout.Quiet location, walking distance to amenities.Minutes to downtown,easy access to deerfoot!Exceptional Value! MLS#C4037245


$584,900

rOcky ridge ranchExecutive custom built 2 storey with fully developed basement and double attached garage in showhome condition. Total of 5 bdrms, main flr den and 4 baths. This home has been updated over the years. Formal living and dining rm. Laminate flrs thru out main flr and ceramic tiles. Updated kitchen with centre island and breakfast eating bar, granite, designer tiled backsplash and upgraded black appliances open to eating area and large family rm with gas fireplace. French dr leading out from kitchen to a secluded deck with west backyard, shed and RV parking. Main flr den and mud rm with laundry hook up. Gorgeous spiral staircase leading upstairs to large master bdrm with 4pc ensuite with slate flrs, jetted tub, o/s shower and walk in closet. 3 other good sized bdrms and 4pc main bath. Professionally developed basement with rec rm, bdrm, 4pc bath, workout rm, 2nd kitchen/wet bar, ideal for in law suite with cork flring. Quiet location. Walking distance to park and amenities. Easy access. MLS#C4031709


$618,900

eState hOme!

$674,900

Len T. WongBroker

Laura o’ConneLLAssociate/Partner

gLamOrganExceptionally well maintained bungalow with fully developed walkout basement ready to move in and enjoy. Total of 3 bdrms and 3 baths. Very bright and open plan. Vaulted ceilings in the formal dining and living room with fireplace and skylight. Upgraded Cherry oak cabinets with granite countertops and designer tiled backsplash with stainless steel and black appliances with eating area and patio dr leading out to large maintenance free deck. Large master bdrm with new carpets and 4pc updated ensuite with jetted tub, separate shower and large closet with built ins. 4pc main bath. Main flr laundry with sink and cabinets. Professionally developed walkout basement with family rm with wet bar, bdrm, cheater 4pc ensuite and flex rm ideal for workout rm/games rm or storage. Patio drs leading out to a secluded yard. Double attached garage. Quiet location. Walking distance to amenities, schools and transportation. Ideal for empty nester or professional couple. Exceptional value. MLS#C4039655

BeautifuL BungaLOw!

$459,900

BOw ridge, cOchraneFully Developed Walkout Bungalow with over 2200 sq ft of living space built by Kingsmith Homes. Main floor boasts a Living Room with Fireplace, large Kitchen Island with Granite Countertops and Maple Hardwood floors. Master bedroom with 4 piece ensuite and walk in closet, 1 additional good sized bedroom. Basement has infloor heating throughout, rec room/living room area, 3 additional bedrooms and 4 piece bathroom. Walkout to fully landscaped and fenced yard, custom garden shed. Deck has views of the valley. Newer paint, carpet, appliances and granite countertops in all bathrooms. Great quiet location overlooking park across the street. Close to shopping and schools. Well Maintained and pride of ownership is evident. MLS#C4043751

waLkOut BungaLOw!

$489,900

Spruce cLiffExecutive 2 bedroom plus den apartment condo overlooking Shaganappi Golf Course in showhome condition. Very bright and open plan. Gourmet kitchen with breakfast eating bar and stainless steel appliances open to large dining area and huge great room with gas fireplace. Double French doors leading out to covered deck with Golf Course and city views. Main floor den and separate laundry room. 3 piece bathroom. Large master bedroom with 5 piece spa like ensuite with large walk in closet. French door leading out from master bedroom to another deck with view. 2nd bedroom was converted into a TV room and easily converted back. 1 underground, titled, heated parking stall and storage locker. Quiet building. Walking distance to LRT, shopping, schools and amenities. Minutes to downtown. Pride of ownership shown throughout. Ideal for professional couple or empty nester. Exceptional value! MLS#C4043842

OverLOOking gOLf cOurSe!

$529,900

canyOn meadOwS Fully Renovated 4 level split 1803 Total sq.ft well maintained and cared for home in Canyon Meadows. New Carpet, tiles, hardwood, paint throughout. Updated White Kitchen cabinets with Granite countertops and Stainless steel appliances. Main floor has Living room, formal dining room and nook area. Upstairs has large master bedroom with updated 2 piece bathroom, 2 other good sized rooms and updated 4 piece bathroom. 3rd level with Family room and Tiled Surround Fireplace, an additional bedroom and 3 piece bathroom with tiled stand up shower. 4th level has Recreation Room, Laundry and furnace room. Very well maintained, lots of upgrades throughout the years. Pear and Apple trees in the fully fenced, landscaped yard. One Block away from Canyon Meadows LRT. MLS#C4039195

fuLLy renOvated!

$469,800

cOpperfieLd 2 bedroom condo with 1 titled parking stall. Bright and open plan with hardwood floors. Maple kitchen with granite countertops and black appliances. Spacious living room with corner gas fireplace and patio doors leading out to private patio. Master bedroom with 4 piece ensuite. 2nd bedroom and 4 piece bath. Insuite laundry. Close to all amenities. Easy access to Stoney Trail, Deerfoot and 52 St. Great first time buy or investment. MLS#C4038791

great 1St time Buy Or inveStment!

$241,900

6 YPNEXTHOME.CA

Fabulous estate home in well-established Kelvin Grove, presented by Chris Zaharko, Royal LePage Benchmark 16

22

24

25

24 Market AnalysisConditions favour the buyer in Calgary’s condo market

25 TrendingPreparing for the new down payment requirement

20

for advertising information call 403.829.0393

next deadline: Feb. 19, 2016

maps & extras

10 Regional maps

23 Homebuyers’ Help Mortgage Rates

29 Recreational properties

19

Feature PropertyFabulous estate home in well-established Kelvin Grove, presented by Chris Zaharko, Royal LePage Benchmark

ON THE COVER

in this issue

9 Editors’ Note

16 Design AdviceWhat is staging?

19 TrendingOttawa moves to raise minimum down payment requirement

20 Feature PropertyFabulous new estate home in well-established Kelvin Grove, presented by Chris Zaharko, Royal LePage

22 Neighbourhood Profi leVictoria Park: Transitioning and in development

contentsJAN 29 - FEB 26, 2016 | VOLUME 16 ISSUE 01

20+ online

SEARCHHOME

NEIGHBOURHOOD

WITHDYNAMIC

MAPSLOOK FOR THE CIRCLE

+PHOTOS+VIDEOS+ADVICE+INSPIRATION+TRENDING

MORE

JAN 29 - FEB 26, 2016 | HOME GUIDE 7

Fabulous estate home in well-established Kelvin Grove, presented by Chris Zaharko, Royal LePage Benchmark 16

22

24

25

24 Market AnalysisConditions favour the buyer in Calgary’s condo market

25 TrendingPreparing for the new down payment requirement

20

for advertising information call 403.829.0393

next deadline: Feb. 19, 2016

maps & extras

10 Regional maps

23 Homebuyers’ Help Mortgage Rates

29 Recreational properties

19

Feature PropertyFabulous estate home in well-established Kelvin Grove, presented by Chris Zaharko, Royal LePage Benchmark

ON THE COVER

in this issue

9 Editors’ Note

16 Design AdviceWhat is staging?

19 TrendingOttawa moves to raise minimum down payment requirement

20 Feature PropertyFabulous new estate home in well-established Kelvin Grove, presented by Chris Zaharko, Royal LePage

22 Neighbourhood Profi leVictoria Park: Transitioning and in development

contentsJAN 29 - FEB 26, 2016 | VOLUME 16 ISSUE 01

20+ online

SEARCHHOME

NEIGHBOURHOOD

WITHDYNAMIC

MAPSLOOK FOR THE CIRCLE

+PHOTOS+VIDEOS+ADVICE+INSPIRATION+TRENDING

MORE

8 YPNEXTHOME.CA

advertisers’ index

PRESIDENT, YELLOW PAGES NEXTHOME

Jacqueline Hill

EDITOR-IN-CHIEF/DIRECTOR OF CONTENT

Susan Legge

DIRECTOR OF SALES

Moe Lalani

EDITOR

Wayne Karl Lydia McNutt (on leave)

MEDIA CONSULTANT

Heather Harke Phone: 403.829.0393

CONTRIBUTING EDITORS

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NATIONAL CIRCULATION MANAGER

John Jenkins

SENIOR PRODUCTION MANAGER

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GRAPHIC DESIGNER

Mike Terentiev

PRODUCTION COORDINATOR

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PRINTING

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FOR ADVERTISING INQUIRIES PLEASE CALL 403.461.5518

Home Guide is published by Yellow Pages Homes Limited, located at 2891 Sunridge Way NE, Calgary, AB T1Y 7K7. Home 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 Home Guide and not that of the advertiser. The advertiser has purchased the right of reproduction in Home 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.

The entire contents of this publication are protected by copyright and are intended for the sole use of the public.

The views expressed by the columnists in this publication are not necessarily those of the publication.

CAMERON & COMPANY DISCOUNT REALTY LTD. Dory Cameron . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26

CENTURY 21 David Crick . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2

MAPLE LEAF REALTY Ken Yeoh. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11

RE/MAX REAL ESTATE Gary Williams . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11James Cote . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19Len T. Wong & Associates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4Matt Williams . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11

ROYAL LEPAGE REAL ESTATE Chris Zaharko. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12

RECREATIONAL PROPERTIES & MORE

PEMBERTON HOMES Nancy Vieira . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30 EVENTS

Calgary HomeExpo show. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .back cover

FEB. 15, 2016 LOOMS large on the

mortgage landscape – that’s when

the new down payment requirement

kicks in for properties between

$500,000 and $1 million.

Federal Finance Minister Bill

Morneau in December announced

changes to the rules for government-

backed mortgage insurance, intended

to contain risks in the housing market,

reduce taxpayer exposure and

support long-term stability.

E� ective Feb. 15, the minimum

down payment for new insured

mortgages will increase from fi ve

to 10 per cent for the portion of

the house price above $500,000.

The fi ve-per-cent minimum down

payment for properties up to

$500,000 remains unchanged.

What does this mean for fi rst-time

homebuyers?

Buying a house for less than $500,000?

» The new down payment

requirement will not a� ect you

Buying for between $500,000 and $1 million? You have four choices:

» Buy before Feb. 15 to avoid the new

requirement, to still be able to put

down fi ve per cent

» Delay your purchase until you’ve

saved the additional funds for the

new, higher down payment

» Somehow come up with the

additional funds now, say, with help

of the Bank of Mom and Dad, or

» Buy a home that is priced at less

than $500,000. Depending on the

market you’re in, that could mean

you’d then be looking at condo,

instead of a lowrise home

For example, if you’re buying a

property for $800,000, you would

need to make a down payment of

fi ve per cent on the fi rst $500,000

Trending

($25,000) and 10 per cent on the

remaining $300,000 ($30,000). This

would be equal to a total down

payment of $55,000, or 6.9 per cent

of the total purchase price, or an

increase of $15,000.

Buying for more than $1 million?

» The changes will not a� ect you.

You’ll need a down payment of 20

per cent, before or after the change

in regulations on Feb. 15

Regional markets to be impacted

While the new down payment

requirement was intended primarily to

slow the housing markets in Toronto

and Vancouver – where average

home prices are $630,876 and

$947,334, respectively – the impact

could be felt most elsewhere. CIBC

Deputy Chief Economist Benjamin

Preparing for the new down payment requirementBy Wayne Karl

MORE TRENDING ONLINEypnexthome.ca/news

Existing eligibility rules Eligibility rules as of Feb. 15, 2016

Home purchase

price

Minimum down payment

percentage


amount


percentage


amount

Under $500,000 5% Up to $25,000 5% Up to $25,000

$600,000 5% $30,000 5.8% $35,000

$700,000 5% $35,000 6.4% $45,000

$800,000 5% $40,000 6.9% $55,000

$900,000 5% $45,000 7.2% $65,000

$999,000 5% $50,000 7.5% $75,000

$1 million and up

20%$200,000

and up20%

$200,000 and up

Tal says Calgary will be hit hardest,

due to the large share of high-ratio

mortgages. In this city, the new

measures are estimated to impact

about 10 per cent of new sales, while

in Toronto the fi gure is fi ve per cent;

in Vancouver, just 2.5 per cent.

Spike in homebuying activity

Toronto-based Mortgage broker and

wealth planner Calum Ross expects

the new rules to cause a spike in

activity before the deadline.

“Unexpected changes to the market

that make access to capital more

di¢ cult historically have had a signifi cant

short-term impact, followed by an

adjustment,” he told New Home Guide.

Expect market activity to go

up substantially on homes priced

between $500,000 and $1 million

through until the deadline.

Our teamwork has you covered We are always looking for stories

and news about real estate for our

magazines and website.

While the team here at Home Guide

and YPNextHome.ca attends events

across the country, we also have a

team of talented freelance writers who

help us cover all the bases.

The team’s focus over the last

12 months has been profi ling and

collecting data, photos, videos

and text for some of Canada’s top

neighbourhoods so our readers and

users can get an in-depth view at the

local level. You’ll fi nd data for almost

3,000 di� erent neighbourhoods

across the country that includes

information about the type of

housing available and the people

who live there.

Check out one of our team

member’s personal journey through

a key neighbourhood in this issue.

There’s plenty more to see online at

YPNextHome.ca

Check out our search tool online

and discover new properties and

neighbourhood details.

It’s been an amazing experience to

develop this content, and we’re thrilled

with the results. New neighbourhoods

are being added every week. Please let

us know what you think – and if you

have a favourite neighbourhood you’d

like us to profi le, drop us a line.

We love hearing from you.

It would be foolish to pretend that

all is rosey in Wild Rose Country.

The economy and housing markets

in Alberta are feeling the pinch of a

prolonged slump in oil prices –

plain and simple. It does no good

to think otherwise.

But, now more than ever, it pays to

keep things in perspective.

All the talk about Canada’s hottest

real estate markets currently involves

mostly Toronto and Vancouver.

But would you believe, if we

take this discussion to a more

historical level, Alberta, in fact, is a

stellar performer?

Indeed, according to data from

ReMax, Calgary is second only to

Edmonton as the top market in

Canada in terms of annual rate of

return over the last 20 years. Yes,

you read that correctly. Calgary has

yielded 6.61 per cent from 1996 to

2015; Edmonton, 6.64 per cent.

Those “hottest” markets of Toronto

and Vancouver – 6.21 and 6.16 per

cent, respectively.

Relax, Calgary, history is on your side.

+ get social

Editors' Notes

VICTORIA PARK

TAKE A TOUR ONLINEypnexthome.ca/victoria-park

Interact with us on social media: ypnexthome

SUSAN LEGGEEditor-in-Chief / Director of ContentYellow Pages NextHomeEmail: [email protected]: @SusanLegge

WAYNE KARLSenior EditorYellow Pages NextHomeEmail: [email protected]

Relax, Calgary, history is on your side


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

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Calgary & regional maps

out of town

aCOMMUNITIES & MLS NUMBERS

zone bCOMMUNITIES & MLS NUMBERS

zone

MontereyPark

Abbeydale

Applewood

STONEY TR

16 AV

GreenwoodGreenbiar

Pt. McKay

TRANS CANADA HI

CROWCHILD TR

STONEY TR

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GarrisonGreen

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MeadowlarkParkKingsland

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Crestmont

TRANS CANADA HI

SARCEE TR

GLENMORE TR

MACLEOD TR

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dCOMMUNITIES & MLS NUMBERS

zone

cCOMMUNITIES & MLS NUMBERS

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10 YPNEXTHOME.CA

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

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out of town

aCOMMUNITIES & MLS NUMBERS

zone bCOMMUNITIES & MLS NUMBERS

zone

MontereyPark

Abbeydale

Applewood

STONEY TR

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TRANS CANADA HI

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STONEY TR

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GarrisonGreen

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ErltonMission

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MeadowlarkParkKingsland

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Crestmont

TRANS CANADA HI

SARCEE TR

GLENMORE TR

MACLEOD TR

SPRUCEMEADOWS TR

dCOMMUNITIES & MLS NUMBERS

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cCOMMUNITIES & MLS NUMBERS

zone

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259.414140

3

Mount Royal • soldAn elegant 5 bedroom Tudor style •home with 3,778 Sq Ft of above grade living space in un-rivaled Mount Royal.The private 10,300 Sq Ft lot with •WEST backyard is beautifully landscaped with rundle stone retaining walls & brick patios/walkways.2002 renovated eat-in kitchen with •granite, custom cabinets, stainless steel appliances & large island.

spRingbank – Rodeo Ridge • $459,000

Backing onto Springbank •Golf Course, this 0.42 acre (18,295 Sq Ft) fully serviced lot is ready for a walk out home with stunning views.Only 25 minutes from •downtown Calgary!

elbow paRk • soldArchitecturally significant & visually •striking Jeremy Sturgess executive family home built into a private, naturally sloping 9,365 Sq Ft lot.The main floor inspires with the •interior design of Douglas Cridland, chef’s kitchen, soaring 20’ vaulted ceilings, two copper faced fireplaces & extensive maple millwork.Enjoy seamless indoor/outdoor living •& elbow river valley views with this exceptional property!

windsoR paRk • $1,250,000

Beautifully renovated •2 + 1 bedroom villa with 3,410 Sq Ft of developed living space.The chef’s kitchen boasts •granite, custom cabinetry, high end appliances, sunny breakfast nook, & access to the private outdoor space.

elbow paRk • $1,895,000

Enjoy the privacy & privilege of Elbow Park •Lane, a quiet tree lined cul-de-sac with 7 luxury homes nestled by the River in East Elbow Park. This is a rare opportunity. 3,084 Sq Ft 4 bedroom renovated home with •attractive West Coast curb appeal.Significant infrastructure updates!•

Ken YeohBroker/Owner

FREE Quick OnLine Home Evaluation

‘Landmark’ custom built 2-storey 2545sf• Quiet cul-de-sac & walk to playground• Total of 5 bedrooms & 3.5 baths• Knockdown & 9’ ceilings, rounded corners• Large family room with fireplace•

PANORAMA HILLS

$6

99

,90

0

Gorgeous 2 storey in Sherwood• 3 bedrooms & 2.5 baths• Great open floor plan with hardwood floors• Large living dining room combo• Bright kitchen with granite counter tops• Office/den on the main floor• Large master with F/P, sitting area & balcony• Undeveloped walk-out basement• Close to airport, Stoney Trails & all amenities•

SHERWOOD

$5

15,0

00

403.803.8981 www.mapleleafrealty .ca

MO

NTH

LY S

TATI

STIC

S$4

22

,50

0

Super lovely family home on quuiet street• Across from park, schools & community centre• 3 bedrooms & 1.5 baths• Newer windows, bath & hardwood floors• Large kitchen with breakfast nook• Super sized family room• Large yard on corner lot• Double heated garage•

$3

78

,80

0

FOREST HEIGHTS

Amazing 4-level split• 3 bedrooms, 2 baths & 2-car garage• Close to playground & school• Maple shaker style cabinetry• Tile backsplash & large centre island• Master ensuite has soaker tub, stand up shower• Large rec room, bedroom & full bath on 3rd level• Fully landscaped & oversized deck•

MCKENZIE TOWNE

City of Calgary Dec-14 Dec-15 % change Jan-14 Jan-15 % change

Total Sales 1,073 879 -18.08% 274 229 -16.42%

New Listings 1,363 1,491 9.39% 1,092 1,070 -2.01%

Active Listings 3,379 4,353 28.83% 3,843 4,708 22.51%

Median 415,000 408,000 -1.69% 411,250 404,000 -1.76%

Average Price 472,000 462,677 -1.98% 449,785 441,573 -1.83%

Days on Market 43 49 13.95% 47 58 23.40%

Benchmark Price 459,500 448,800 -2.33% N/A N/A N/A

Note: Calgary Metro only; includes zone A, B, C & D

SOLD

SOLD

SOLD

SOLD

Centre island & pantry in kitchen• Super sized master with sitting area, 4-pc • ensuite & walk-in closetDeveloped walk-out basement with 2 • bedrooms & 4-pc bath


Chris Zaharko | AssociateIndividual Agent at Royal Lepage Benchmark#1 Individual Agent at Royal LePage Foothills 2008

P: 403.253.1901F: 403.252.2653

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

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

3800 sq ft• Corner lot• 5 beds, 5 baths•

67 Mysti c Ridge Way (Brand New)

$1,599,000•

Completely renovated 3000 SF• 4 beds up• Hardwood throughout both levels• Triple oversized garage•

Kelvin Grove (Brand New)

$1,499,000

6,000 square feet• Unobstructed 360 degree • views14 offi ces, 10 underground • parking stalls

The Montana - Premier penthouse offi ce condo

$3,890,000

over 4600 sq ft of development• 5 bedrooms throughout• completely renovated• corner lot•

821 Riverdale Ave SW

$1,975,000


P: 403.253.1901F: 403.252.2653


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

3800 sq ft• Corner lot• 5 beds, 5 baths•

67 Mysti c Ridge Way (Brand New)

$1,599,000•

Completely renovated 3000 SF• 4 beds up• Hardwood throughout both levels• Triple oversized garage•

Kelvin Grove (Brand New)

$1,499,000

6,000 square feet• Unobstructed 360 degree • views14 offi ces, 10 underground • parking stalls

The Montana - Premier penthouse offi ce condo

$3,890,000

over 4600 sq ft of development• 5 bedrooms throughout• completely renovated• corner lot•

821 Riverdale Ave SW

$1,975,000

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

1 bed 1 bath• Fantastic city • viewsUnique historic • building

#210 804 18 Ave SW $274,900

Beach access• 3 bed 2.5 bath• Gourmet kitchen •

26 Autumn Garden SE $587,500

2 bed 1 bath• In-suite laundry• 2 underground • parking stalls!

#104 635 4 Ave NE SOLD

3 bed 3 bath• Backs to green • spaceFully developed•

69 Pati na Park SW $349,900

2211 sq ft• 4 bed 2.5 bath• Immaculate!• Walk to Fish Creek Park!•

188 Everoak Circle SW

$569,900

4 bed 3 full baths 2 half baths• 2745 sq ft developed• pie shaped lot• triple garage•

176 Kinniburgh Circle, Chestermere

$584,900

2 bed 2 bath• 1165 sq ft• Full developed basement • Low condo fees•

#2, 2410 29 St SW

$529,900


P: 403.253.1901F: 403.252.2653


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

1 bed 1 bath• Fantastic city • viewsUnique historic • building

#210 804 18 Ave SW $274,900

Beach access• 3 bed 2.5 bath• Gourmet kitchen •

26 Autumn Garden SE $587,500

4 bed 3 full baths • 2 half baths2745 sq ft • developedpie shaped lot• triple garage•

10728 Mapleglen Cres SE SOLD

505 sq ft• Studio unit• Underground • parkingLow condo fees•

208 830 Centre Ave. $239,900

2 bed 1 bath• In-suite laundry• 2 underground • parking stalls!

#104 635 4 Ave NE SOLD

2211 sq ft• 4 bed 2.5 bath• Immaculate!• Walk to Fish Creek Park!•

188 Everoak Circle SW

$569,900

4 bed 3 full baths 2 half baths• 2745 sq ft developed• pie shaped lot• triple garage•

176 Kinniburgh Circle, Chestermere

$584,900

2 bed 2 bath• 1165 sq ft• Full developed basement • Low condo fees•

#2, 2410 29 St SW

$529,900


P: 403.253.1901F: 403.252.2653


STAGING IS THE PROCESS of

preparing a property for sale. Homes

that are staged sell faster and for

more money, this is achieved by

creating immediate buyer interest in

your property.

When a property is placed on the

market, it has features and benefits

that are both good and bad. The

job of a staging professional is to

enhance the positive aspects of the

property, show off the architectural

details and make your home stand

out from the competition. This

is extremely important for the

photographs needed for online.

Most buyers are looking at photos

before venturing out from property

to property.

Do you have an empty property that

is getting no viewings?

Most staging professionals have

access to furniture on a monthly

rental basis. The fees are minimal

when compared to the length of time

an empty/unfurnished property is

on the market. Most buyers cannot

envision their possessions in the

home because often an unfurnished

property looks smaller than it actually

is. It has been proven that most

By Laura Le

WHAT IS STAGING?

Advice | DESIGN ADVICE

The job of a staging professional is to enhance the positive aspects of the property, show off the architectural details and make your home stand out from the competition.


buyers place their sofa in the exact spot the sellers

sofa was, thus proving that buyers need to see the

property furnished.

It is also beneficial to bring in a professional

stager to offer advice in an occupied property. This

process often involves removing excess furniture

and de-cluttering. By removing clutter, the rooms

suddenly seem to become larger, allowing the

homeowner to start the packing process and the

emotional separation from the home to begin as

well. Encourage the children to help in the de-

cluttering process so they feel like they are part of

the decision.

Once the editing has been completed, the best

features of the property are highlighted so that

the less appealing aspects, if any exist, become

minimal. The home must become de-cluttered

and de-personalized. Cleaning is also an important

step, the property must be spotless. A fresh coat

of neutral paint is never a bad idea and the return

on investment is very good. Especially since most

homeowners can paint themselves or offer friends

16 YPNEXTHOME.CA

STAGING IS THE PROCESS of

preparing a property for sale. Homes

that are staged sell faster and for

more money, this is achieved by

creating immediate buyer interest in

your property.

When a property is placed on the

market, it has features and benefits

that are both good and bad. The

job of a staging professional is to

enhance the positive aspects of the

property, show off the architectural

details and make your home stand

out from the competition. This

is extremely important for the

photographs needed for online.

Most buyers are looking at photos

before venturing out from property

to property.

Do you have an empty property that

is getting no viewings?

Most staging professionals have

access to furniture on a monthly

rental basis. The fees are minimal

when compared to the length of time

an empty/unfurnished property is

on the market. Most buyers cannot

envision their possessions in the

home because often an unfurnished

property looks smaller than it actually

is. It has been proven that most

By Laura Le

WHAT IS STAGING?


The job of a staging professional is to enhance the positive aspects of the property, show off the architectural details and make your home stand out from the competition.


buyers place their sofa in the exact spot the sellers

sofa was, thus proving that buyers need to see the

property furnished.

It is also beneficial to bring in a professional

stager to offer advice in an occupied property. This

process often involves removing excess furniture

and de-cluttering. By removing clutter, the rooms

suddenly seem to become larger, allowing the

homeowner to start the packing process and the

emotional separation from the home to begin as

well. Encourage the children to help in the de-

cluttering process so they feel like they are part of

the decision.

Once the editing has been completed, the best

features of the property are highlighted so that

the less appealing aspects, if any exist, become

minimal. The home must become de-cluttered

and de-personalized. Cleaning is also an important

step, the property must be spotless. A fresh coat

of neutral paint is never a bad idea and the return

on investment is very good. Especially since most

homeowners can paint themselves or offer friends


Laura Le has owned Creative Enhancement Inc. for 11 years. Laura completed courses with Accredited Staging Professionals (ASP), Canadian Staging Professionals (CSP) and Canadian ReDesign Association (CRDA). Creative

Enhancement has been a member of the BBB since 2005. Call 403.807.8591 or email [email protected] and visit creativeenhancement.ca

and family the bonding experience

that comes with helping out… okay,

the pizza and beer that comes with

helping out.

Try looking at your property

through the buyers’ eyes, as though

you’ve never seen it before. Ask

a friend to be completely honest

with you and critique your home. It

is also a great idea to photograph

each room yourself and look at it

through the “lens.” This can really

let you see what others may see.

The home must be clean, organized,

de-cluttered and de-personalized. If

this has been done it should result in

both more money for you, as well as

sell faster than the competition.

CALGARY, EDMONTON and other markets already

experiencing a cooling are expected to be among

the cities hardest hit by the federal government’s new

minimum down payment requirement.

Finance Minister Bill Morneau on Dec. 11 announced

changes to the rules for government-backed mortgage

insurance, intended to contain risks in the housing market,

reduce taxpayer exposure and support long-term stability.

E� ective Feb. 15, 2016, the minimum down payment for

new insured mortgages will increase from fi ve per cent

to 10 per cent for the portion of the house price above

$500,000. The fi ve-per-cent minimum down payment

for properties up to $500,000 remains unchanged.

The move represents a graduated approach to

increasing the down payment requirement proportionally

to the cost of a home. Canadians who already hold

mortgages will not be a� ected by this announcement.

“The actions taken prudently address emerging

vulnerabilities in certain housing markets, while not

overburdening other regions,” Morneau says.

“This measure will increase homeowner equity, which

plays a key role in maintaining a stable and secure housing

market and economy over the long term,” he adds.

For those in Calgary and Edmonton, the move could

have the unintended consequences of imparting additional

cooling on already chilly markets.

CIBC Deputy Chief Economist Benjamin Tal says the

largest impact will be felt in Calgary, due to the large share

of high-ratio mortgages. In this city, the new measures are

estimated to impact about 10 per cent of new sales, while

in Toronto the fi gure is fi ve per cent; in Vancouver, just

2.5 per cent.

Trending


Ottawa moves to raise minimum down payment requirementBy Wayne Karl

18 YPNEXTHOME.CA

Laura Le has owned Creative Enhancement Inc. for 11 years. Laura completed courses with Accredited Staging Professionals (ASP), Canadian Staging Professionals (CSP) and Canadian ReDesign Association (CRDA). Creative

Enhancement has been a member of the BBB since 2005. Call 403.807.8591 or email [email protected] and visit creativeenhancement.ca

and family the bonding experience

that comes with helping out… okay,

the pizza and beer that comes with

helping out.

Try looking at your property

through the buyers’ eyes, as though

you’ve never seen it before. Ask

a friend to be completely honest

with you and critique your home. It

is also a great idea to photograph

each room yourself and look at it

through the “lens.” This can really

let you see what others may see.

The home must be clean, organized,

de-cluttered and de-personalized. If

this has been done it should result in

both more money for you, as well as

sell faster than the competition.

CALGARY, EDMONTON and other markets already

experiencing a cooling are expected to be among

the cities hardest hit by the federal government’s new

minimum down payment requirement.

Finance Minister Bill Morneau on Dec. 11 announced

changes to the rules for government-backed mortgage

insurance, intended to contain risks in the housing market,

reduce taxpayer exposure and support long-term stability.

E� ective Feb. 15, 2016, the minimum down payment for

new insured mortgages will increase from fi ve per cent

to 10 per cent for the portion of the house price above

$500,000. The fi ve-per-cent minimum down payment

for properties up to $500,000 remains unchanged.

The move represents a graduated approach to

increasing the down payment requirement proportionally

to the cost of a home. Canadians who already hold

mortgages will not be a� ected by this announcement.

“The actions taken prudently address emerging

vulnerabilities in certain housing markets, while not

overburdening other regions,” Morneau says.

“This measure will increase homeowner equity, which

plays a key role in maintaining a stable and secure housing

market and economy over the long term,” he adds.

For those in Calgary and Edmonton, the move could

have the unintended consequences of imparting additional

cooling on already chilly markets.

CIBC Deputy Chief Economist Benjamin Tal says the

largest impact will be felt in Calgary, due to the large share

of high-ratio mortgages. In this city, the new measures are

estimated to impact about 10 per cent of new sales, while

in Toronto the fi gure is fi ve per cent; in Vancouver, just

2.5 per cent.

Trending


Ottawa moves to raise minimum down payment requirementBy Wayne Karl

703-0455Certified Condominium Specialist3rd Generation Calgary Realtor

JAMES COTE

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

HOUSE OF REAL ESTATE

www.jamescote.com

CITADELIMMACULATE CONDITION!

FULLY DEVELOPED!

$359,900Immaculate Condition! Fully Developed! Quiet Location! This fantastic 3 Bedroom Townhouse is in pristine condition, has modern upgrades and boasts over 1580 sq ft of developed living space! Very functional floor plan that has excellent flow and offers a complete use of

space. Features of this home include: Dark Hardwood Floors - Living Room with feature Fireplace - Renovated Kitchen with Granite Counters, Stainless Steel Appliances (double oven, high end dishwasher, upper fridge-lower freezer), Glass Tile Backsplash and Breakfast Bar - Dining Room - Main Level 2 pce Bathroom - Large Master Bedroom with 4 pce. Ensuite Bathroom - 2 additional Upper Level Bedrooms - Upper Level 4 pce Bathroom - Lower Level Recreation Room - Finished In-Suite Laundry Room with Sink - In-Suite Storage - Fenced Back Yard - Attached Insulated & Drywalled Garage with room for additional storage. Close to schools, parks, playgrounds, and only minutes to major roads. This beautiful home is “Move-In Ready”! Book a showing today!

MARLBOROUGHRENOVATED & HUGE LOT!!

$319,800Newly Renovated!! Huge Lot!! With over 1150 total sq.ft. this beautifully renovated 3 bedroom semi-detached bungalow is located on a quiet street in the well-established community of Marlborough. The main level of this home features a Living Room, Dining Room, Kitchen, Master Bedroom, Second Bedroom and 4 piece Bathroom...all newly renovated! The basement features a large Recreation Room, Third

Bedroom, Laundry Area and tons of storage. Situated on a huge pie shaped lot that includes a Firepit, RV Parking, a big Storage Shed and an amazing New Garage. The Double Detached Garage is Over-Sized (27 X 23.5) has a 10 ft. ceiling and is wired with 220! The entire property backs onto a large Park & School Field! St. Mark School is less than a half block away and it’s only minutes from Bob Edwards Junior High. Walking distance to the Marlborough LRT Station and close to shopping, transportation, playgrounds and major routes such as 36 St, Memorial Drive and 16 Ave/Highway 1. Don’t let this one pass you by!

EDGEWATER - AIRDRIE

4 BEDROOM + DEN CORNER LOT!

$369,900CORNER LOT!! Welcome to the beautifully established neighborhood of Edgewater! You won’t want to miss this 4 Bedroom + Den, 2 1/2 Bathroom Bungalow, with over 2,200 sq.ft. of living space! The main floor includes: Large

Living Room w/ Vaulted Ceiling, Kitchen w/ Dining Area, Huge Master Bedroom w/3 pce. Ensuite & Walk-In Closet and 2 good sized Bedrooms. The basement includes: Over-Sized Family/Rec Room, another Huge Bedroom, a Den/Office and a 2 pce. Bathroom. A Double Attached Garage and newly painted backyard Deck completes the package! New roof completed May 2015. Upstairs windows, interior doors and garage door new in 2011. Cement retaining wall and fence new in 2010. There is a cement pad for a tent trailer on the NE corner of the property and the back deck is wheelchair accessible. Home backs onto pathway to the park/playground which is just steps away. Close to schools, shopping, transportation & amenities. Don’t miss out! Put this one on your list!!


A FABULOUS NEWLY CONSTRUCTED,

custom-crafted home offers a

spacious, elegant design and

is situated on a huge lot in the

established southwest community of

Kelvin Grove, conveniently located

minutes away from schools, shopping

and major routes.

This gorgeous two-storey estate

home offers more than 3,200 sq. ft. of

above ground living space plus 700 sq.

ft. in the developed lower level and has

been beautifully designed by Robert

Gray, and constructed by Paramount

Homes Inc., whose custom built-

ins, attention to details and quality

craftsmanship is showcased

throughout, says Royal LePage

Benchmark realtor Chris Zaharko.

“This is a unique offering as it’s a

brand new home with exceptional

features and finishings in an

established community,” Zaharko says.

“It has four bedrooms, three upstairs

bathrooms all with heated floors,

three spaces for entertaining and a

triple car garage with a 10-ft. ceiling

and eight-and-a-half foot door so it

can fit a vehicle with a Tule Box.”

The property has tremendous

curb appeal presenting a new

aggregate driveway and walk along

with a front patio with custom metal

privacy screens so you can enjoy the

southern exposure.

The home’s entry welcomes you

with a unique Ash front door and

inside you’ll be wowed by the open

design and numerous large windows

that makes it light and bright, as well

as the fabulous details including

hardwood and tile floors, custom

built-ins, high ceilings and eight-ft.

solid core doors.

Off the entry to the right is a private

main-floor office, while the huge

great room is open to the stunning

chef’s kitchen highlighted by an

expansive quartz-topped island with

a raised eating bar and gas cooktop,

custom-built Eco-wood cabinets to

the ceiling, top-of-the-line Jenn Air

stainless steel appliances, mosaic tile

backsplash and quartz countertops.

in well-established Kelvin GroveFabulous new estate home

cover story

Feature Property

Beside the kitchen is a dining nook

with built-in sideboard and down a

few stairs is a large sunken family room

that is centred on a linear fi replace

with fl oor-to-ceiling mosaic tile and

fl anked by built-in cabinetry. The

family room also has a handy beverage

bar with wine fridge, wine rack and

storage and double sliding glass doors

that open to the back yard.

There is a spacious mud room with

built-in lockers providing plenty of

storage and a powder room off the

garage entry.

“Upstairs the master suite is an oasis

tucked away for privacy,” Zaharko says,

noting it features 10-ft. ceilings, a huge

walk-in closet fi lled with custom built-

Feature Property

ins and a luxurious spa-like ensuite

with his and her vanities, large walk-in

shower with body sprays and a free-

standing soaker tub.

Across the way is the fi rst of three

secondary bedrooms, which has

a 10-ft.-plus ceiling, large walk-in

closet and direct access to a Jack ’n’

Jill bathroom with oversized walk-in

shower. “This room would be ideal for

a nanny or in-law suite,” Zaharko adds.

Stairs from this bathroom lead

to another bedroom, and further

along is a bonus room with built-

in entertainment unit, the fourth

bedroom and a full bathroom.

There is also a good-sized laundry

room with lots of storage, a sink and

counter space.

The lower level is fully developed as

a massive media/games room with a

large dry bar.

Situated on a quiet street in Kelvin

Grove, this new estate home is within

walking distance to Chinook Park,

Henry Wise Wood High School,

Rockyview Hospital and minutes

away from the Glenmore Reservoir, a

quick commute and a vast number of

shops, services, restaurants and more

along MacLeod Trail.

For more information on this estate

home, contact Chris Zaharko, Royal

LePage Benchmark, at 403.253.1901,

or visit zaharko.com

20 YPNEXTHOME.CA

A FABULOUS NEWLY CONSTRUCTED,

custom-crafted home offers a

spacious, elegant design and

is situated on a huge lot in the

established southwest community of

Kelvin Grove, conveniently located

minutes away from schools, shopping

and major routes.

This gorgeous two-storey estate

home offers more than 3,200 sq. ft. of

above ground living space plus 700 sq.

ft. in the developed lower level and has

been beautifully designed by Robert

Gray, and constructed by Paramount

Homes Inc., whose custom built-

ins, attention to details and quality

craftsmanship is showcased

throughout, says Royal LePage

Benchmark realtor Chris Zaharko.

“This is a unique offering as it’s a

brand new home with exceptional

features and finishings in an

established community,” Zaharko says.

“It has four bedrooms, three upstairs

bathrooms all with heated floors,

three spaces for entertaining and a

triple car garage with a 10-ft. ceiling

and eight-and-a-half foot door so it

can fit a vehicle with a Tule Box.”

The property has tremendous

curb appeal presenting a new

aggregate driveway and walk along

with a front patio with custom metal

privacy screens so you can enjoy the

southern exposure.

The home’s entry welcomes you

with a unique Ash front door and

inside you’ll be wowed by the open

design and numerous large windows

that makes it light and bright, as well

as the fabulous details including

hardwood and tile floors, custom

built-ins, high ceilings and eight-ft.

solid core doors.

Off the entry to the right is a private

main-floor office, while the huge

great room is open to the stunning

chef’s kitchen highlighted by an

expansive quartz-topped island with

a raised eating bar and gas cooktop,

custom-built Eco-wood cabinets to

the ceiling, top-of-the-line Jenn Air

stainless steel appliances, mosaic tile

backsplash and quartz countertops.

in well-established Kelvin GroveFabulous new estate home

cover story

Feature Property

Beside the kitchen is a dining nook

with built-in sideboard and down a

few stairs is a large sunken family room

that is centred on a linear fi replace

with fl oor-to-ceiling mosaic tile and

fl anked by built-in cabinetry. The

family room also has a handy beverage

bar with wine fridge, wine rack and

storage and double sliding glass doors

that open to the back yard.

There is a spacious mud room with

built-in lockers providing plenty of

storage and a powder room off the

garage entry.

“Upstairs the master suite is an oasis

tucked away for privacy,” Zaharko says,

noting it features 10-ft. ceilings, a huge

walk-in closet fi lled with custom built-

Feature Property

ins and a luxurious spa-like ensuite

with his and her vanities, large walk-in

shower with body sprays and a free-

standing soaker tub.

Across the way is the fi rst of three

secondary bedrooms, which has

a 10-ft.-plus ceiling, large walk-in

closet and direct access to a Jack ’n’

Jill bathroom with oversized walk-in

shower. “This room would be ideal for

a nanny or in-law suite,” Zaharko adds.

Stairs from this bathroom lead

to another bedroom, and further

along is a bonus room with built-

in entertainment unit, the fourth

bedroom and a full bathroom.

There is also a good-sized laundry

room with lots of storage, a sink and

counter space.

The lower level is fully developed as

a massive media/games room with a

large dry bar.

Situated on a quiet street in Kelvin

Grove, this new estate home is within

walking distance to Chinook Park,

Henry Wise Wood High School,

Rockyview Hospital and minutes

away from the Glenmore Reservoir, a

quick commute and a vast number of

shops, services, restaurants and more

along MacLeod Trail.

For more information on this estate

home, contact Chris Zaharko, Royal

LePage Benchmark, at 403.253.1901,

or visit zaharko.com


ONE OF THE CITY’S oldest inner city

neighbourhoods, Victoria Park has

been transitioning over the past fi ve

years, is constantly announcing new

developments, exciting community

events and an infl ux of fantastic retail

and restaurants

Lifestyle

Victoria Park’s lifestyle is defi nitely

that of busy young professionals who

love to dine and drink out on a regular

basis. With a thriving scene of great

restaurants and bars, the residents

of this area love to support local

businesses. While these residents

love the convenience of stepping out

their door to grab a bite to eat, they

also love the convenience of artisanal

markets and fi ne liquor and wine

shops nearby.

Vibe

Victoria Park is a lively and adaptable

community that is on the rise. With

plenty of new condo developments

currently being constructed in the

area, this neighbourhood will soon

have plenty of new neighbours.

Defi nitely a hub for foodies and craft

Neighbourhood Profi le

beer afi cionados, Victoria Park has

plenty of great spots to grab a bite,

pick up some amazing groceries or

sample some craft beer or wine.

Meet the neighbours

The residents of Victoria Park are a

mixed crowd, but young professionals

are the ones buying up the new

condos. Plenty of great spots to eat

and drink make this more of an adult

area, but playgrounds and even a

Montessori Pre-School make it great

for families who love inner city living.

In the area

Victoria Park is centrally located with

easy access to several downtown

schools. Sheldon Chumir Health

Centre is only blocks away, Haultain

Park is a great centrally located

park with a playground, sports fi eld,

benches and picnic tables, as well as a

tennis court and community garden.

Planes, trains & automobiles

Victoria Park is located so close to

the downtown core, that is one of the

best neighbourhoods to commute

from by foot. Residents also love

using Car2Go and the cycling lanes

to enter downtown. Along MacLeod

Trail there is convenient city buses as

well as close access to Victoria Park

LRT station.

The good, the bad & the rest

Victoria Park is a very busy area,

especially with all of the new

developments currently under

construction. While it does get quite

peaceful at night, you can expect

it to be somewhat noisy during the

daytime hours. Thanks to its central

location, Victoria Park is also home

to several social wellness centres

including the Mustard Seed and Inn

From the Cold.

MORE PHOTOS ONLINEypnexthome.ca/victoria-park

Most common housing type

HighriseFamily composition

Own vs. rent

Average household income

$51,145

Education levels

Fast facts

COUPLES

34%SINGLES

RENTERS

OWNERS

60%

63%

37%

FAMILIES

6%

COLLEGE

25%

HIGH SCHOOL

35%

UNIVERSITY

40%

SOURCE: ENVIRONICS

Victoria ParkTransitioning and in development

PREPARED BY CANNEX ON DECEMBER 11, 2015 AT 09:33:51 ET.This information is current as of the date and time posted and is subject to change without notice. © Copyright 2015 CANNEX Financial Exchanges Limited. All rights reserved.

Compare mortgage rates for your best dealCHARTERED BANKS variable 6 months 1 year 2 years 3 years 4 years 5 years

ATB Financial 2.4500 4.0000 2.9400 2.6400 2.6400 2.7400 2.9400

Alterna Bank 2.5500 4.0000 2.8500 2.8500 2.5900 2.9400 2.6800

Alterna Savings 2.5500 4.0000 2.8500 2.8500 2.5900 2.9400 2.6800

Bank of Montreal 2.7000 4.0000 2.8900 2.8400 3.3900 3.8900 4.7400

Bank of Nova Scotia 2.7000 4.5500 3.2900 3.0900 3.3900 3.8900 4.4900

CIBC Mortgages 2.7000 3.1400 2.8400 2.7900 3.3900 4.0900 4.7900

Caisses Desjardins 2.7000 4.4000 3.1400 3.2400 3.3900 3.8900 4.7400

Canadian Western Bank 2.9000 4.0000 3.1400 3.0400 3.6500 4.2000 4.7400

Canadian Western Trust 2.9000 4.0000 3.1400 3.0400 3.6500 4.2000 4.7400

Comtech Credit Union - 6.2000 2.7900 2.8900 2.9500 2.9900 2.6900

DUCA Financial Services 2.5000 - 3.0900 3.0000 2.9900 3.0900 2.7900

Effort Trust - 4.4500 3.3500 3.5000 3.7000 4.3000 4.3500

Equitable Bank - - 3.1400 3.0400 3.6500 4.3900 4.6400

First Calgary Financial - 4.0000 2.8900 2.8900 2.8400 2.8900 2.9400

First National Financial 2.4000 3.0000 2.2900 2.2400 2.4400 2.6400 2.7900

FirstOntario Credit Un. 2.7000 4.2400 2.6900 2.3500 2.3900 2.5900 2.7200

HSBC Bank Canada 2.7000 4.4500 3.1400 3.1400 3.5400 4.2400 4.7400

Home Trust Company 2.5000 3.9500 2.6900 2.2400 2.3900 2.5900 2.7400

ICICI Bank Canada 3.0500 - 3.1500 3.6500 3.6400 3.6900 3.6900

Investors Group Trust 2.7000 4.2000 3.1400 3.0900 3.3900 3.8900 4.7400

Laurentian Bank Canada 2.7000 4.4000 2.8900 2.8400 3.3900 3.8900 4.7400

League Svgs & Mortgage - 4.0000 2.9900 2.6900 2.7900 2.8900 2.9900

Libro Credit Union - 3.7500 2.8500 2.8500 2.8900 2.8900 2.8900

London Life 2.7000 4.2000 3.1400 3.0900 3.3900 3.8900 4.7400

Manulife Bank 2.4000 4.4500 3.0000 2.9400 2.8400 2.7900 2.7400

Manulife Trust - 4.4500 3.0000 2.9400 2.8400 2.7900 2.7400

Meridian Credit Union 2.5000 4.0000 3.0900 3.0900 3.5500 2.4900 2.5900

National Bank 2.7000 4.4000 3.1400 3.0400 3.3900 3.8900 4.7400

PACE Savings & Credit Un - 5.0000 2.8900 2.5900 3.3900 3.8900 4.6400

Parama Credit Union 2.6500 - 2.8000 2.8500 2.9500 3.0500 3.1500

Peace Hills Trust - 4.5000 3.1500 3.5000 3.7500 3.8500 3.9500

President’s Choice Fin’l 2.7000 6.1900 3.1400 2.7900 3.3400 3.9900 4.4400

Rapport Credit Union 2.8500 6.0000 3.0900 3.0400 3.5000 3.0400 2.9900

Royal Bank of Canada 2.7000 3.1400 3.1400 3.0400 3.6500 4.3900 4.6400

Servus Credit Union - 4.0000 2.8900 2.8400 3.3900 3.8900 4.6400

Steinbach Credit Union - - 2.4500 2.5500 2.5500 2.6500 2.6500

T-D Mortgage 2.7000 3.1400 2.8900 2.8400 3.3900 3.8900 4.6400

Tangerine 2.7000 - 3.1900 3.2400 3.4900 3.6900 3.7900

Windsor Family C.U. - 4.4500 3.0000 3.0000 3.0500 3.0500 3.1000

Your Neighbourhood C.U. - - 2.7990 2.8900 3.0900 3.1500 3.1900

ONLINE CALCULATORypnexthome.ca/mortgage-calculator

Buyers’ Resources | MORTGAGE RATES

22 YPNEXTHOME.CA

ONE OF THE CITY’S oldest inner city

neighbourhoods, Victoria Park has

been transitioning over the past fi ve

years, is constantly announcing new

developments, exciting community

events and an infl ux of fantastic retail

and restaurants

Lifestyle

Victoria Park’s lifestyle is defi nitely

that of busy young professionals who

love to dine and drink out on a regular

basis. With a thriving scene of great

restaurants and bars, the residents

of this area love to support local

businesses. While these residents

love the convenience of stepping out

their door to grab a bite to eat, they

also love the convenience of artisanal

markets and fi ne liquor and wine

shops nearby.

Vibe

Victoria Park is a lively and adaptable

community that is on the rise. With

plenty of new condo developments

currently being constructed in the

area, this neighbourhood will soon

have plenty of new neighbours.

Defi nitely a hub for foodies and craft

Neighbourhood Profi le

beer afi cionados, Victoria Park has

plenty of great spots to grab a bite,

pick up some amazing groceries or

sample some craft beer or wine.

Meet the neighbours

The residents of Victoria Park are a

mixed crowd, but young professionals

are the ones buying up the new

condos. Plenty of great spots to eat

and drink make this more of an adult

area, but playgrounds and even a

Montessori Pre-School make it great

for families who love inner city living.

In the area

Victoria Park is centrally located with

easy access to several downtown

schools. Sheldon Chumir Health

Centre is only blocks away, Haultain

Park is a great centrally located

park with a playground, sports fi eld,

benches and picnic tables, as well as a

tennis court and community garden.

Planes, trains & automobiles

Victoria Park is located so close to

the downtown core, that is one of the

best neighbourhoods to commute

from by foot. Residents also love

using Car2Go and the cycling lanes

to enter downtown. Along MacLeod

Trail there is convenient city buses as

well as close access to Victoria Park

LRT station.

The good, the bad & the rest

Victoria Park is a very busy area,

especially with all of the new

developments currently under

construction. While it does get quite

peaceful at night, you can expect

it to be somewhat noisy during the

daytime hours. Thanks to its central

location, Victoria Park is also home

to several social wellness centres

including the Mustard Seed and Inn

From the Cold.

MORE PHOTOS ONLINEypnexthome.ca/victoria-park

Most common housing type

HighriseFamily composition

Own vs. rent

Average household income

$51,145

Education levels

Fast facts

COUPLES

34%SINGLES

RENTERS

OWNERS

60%

63%

37%

FAMILIES

6%

COLLEGE

25%

HIGH SCHOOL

35%

UNIVERSITY

40%

SOURCE: ENVIRONICS

Victoria ParkTransitioning and in development

PREPARED BY CANNEX ON DECEMBER 11, 2015 AT 09:33:51 ET.This information is current as of the date and time posted and is subject to change without notice. © Copyright 2015 CANNEX Financial Exchanges Limited. All rights reserved.

Compare mortgage rates for your best dealCHARTERED BANKS variable 6 months 1 year 2 years 3 years 4 years 5 years

ATB Financial 2.4500 4.0000 2.9400 2.6400 2.6400 2.7400 2.9400

Alterna Bank 2.5500 4.0000 2.8500 2.8500 2.5900 2.9400 2.6800

Alterna Savings 2.5500 4.0000 2.8500 2.8500 2.5900 2.9400 2.6800

Bank of Montreal 2.7000 4.0000 2.8900 2.8400 3.3900 3.8900 4.7400

Bank of Nova Scotia 2.7000 4.5500 3.2900 3.0900 3.3900 3.8900 4.4900

CIBC Mortgages 2.7000 3.1400 2.8400 2.7900 3.3900 4.0900 4.7900

Caisses Desjardins 2.7000 4.4000 3.1400 3.2400 3.3900 3.8900 4.7400

Canadian Western Bank 2.9000 4.0000 3.1400 3.0400 3.6500 4.2000 4.7400

Canadian Western Trust 2.9000 4.0000 3.1400 3.0400 3.6500 4.2000 4.7400

Comtech Credit Union - 6.2000 2.7900 2.8900 2.9500 2.9900 2.6900

DUCA Financial Services 2.5000 - 3.0900 3.0000 2.9900 3.0900 2.7900

Effort Trust - 4.4500 3.3500 3.5000 3.7000 4.3000 4.3500

Equitable Bank - - 3.1400 3.0400 3.6500 4.3900 4.6400

First Calgary Financial - 4.0000 2.8900 2.8900 2.8400 2.8900 2.9400

First National Financial 2.4000 3.0000 2.2900 2.2400 2.4400 2.6400 2.7900

FirstOntario Credit Un. 2.7000 4.2400 2.6900 2.3500 2.3900 2.5900 2.7200

HSBC Bank Canada 2.7000 4.4500 3.1400 3.1400 3.5400 4.2400 4.7400

Home Trust Company 2.5000 3.9500 2.6900 2.2400 2.3900 2.5900 2.7400

ICICI Bank Canada 3.0500 - 3.1500 3.6500 3.6400 3.6900 3.6900

Investors Group Trust 2.7000 4.2000 3.1400 3.0900 3.3900 3.8900 4.7400

Laurentian Bank Canada 2.7000 4.4000 2.8900 2.8400 3.3900 3.8900 4.7400

League Svgs & Mortgage - 4.0000 2.9900 2.6900 2.7900 2.8900 2.9900

Libro Credit Union - 3.7500 2.8500 2.8500 2.8900 2.8900 2.8900

London Life 2.7000 4.2000 3.1400 3.0900 3.3900 3.8900 4.7400

Manulife Bank 2.4000 4.4500 3.0000 2.9400 2.8400 2.7900 2.7400

Manulife Trust - 4.4500 3.0000 2.9400 2.8400 2.7900 2.7400

Meridian Credit Union 2.5000 4.0000 3.0900 3.0900 3.5500 2.4900 2.5900

National Bank 2.7000 4.4000 3.1400 3.0400 3.3900 3.8900 4.7400

PACE Savings & Credit Un - 5.0000 2.8900 2.5900 3.3900 3.8900 4.6400

Parama Credit Union 2.6500 - 2.8000 2.8500 2.9500 3.0500 3.1500

Peace Hills Trust - 4.5000 3.1500 3.5000 3.7500 3.8500 3.9500

President’s Choice Fin’l 2.7000 6.1900 3.1400 2.7900 3.3400 3.9900 4.4400

Rapport Credit Union 2.8500 6.0000 3.0900 3.0400 3.5000 3.0400 2.9900

Royal Bank of Canada 2.7000 3.1400 3.1400 3.0400 3.6500 4.3900 4.6400

Servus Credit Union - 4.0000 2.8900 2.8400 3.3900 3.8900 4.6400

Steinbach Credit Union - - 2.4500 2.5500 2.5500 2.6500 2.6500

T-D Mortgage 2.7000 3.1400 2.8900 2.8400 3.3900 3.8900 4.6400

Tangerine 2.7000 - 3.1900 3.2400 3.4900 3.6900 3.7900

Windsor Family C.U. - 4.4500 3.0000 3.0000 3.0500 3.0500 3.1000

Your Neighbourhood C.U. - - 2.7990 2.8900 3.0900 3.1500 3.1900

ONLINE CALCULATORypnexthome.ca/mortgage-calculator

Buyers’ Resources | MORTGAGE RATES


CONTINUED CONCERNS OVER low

oil prices, job losses and economic

uncertainty were factors contributing

to about a $3.5 billion drop in total

sales volume and a more than 25 per

cent decline in sales in Calgary’s real

estate market in 2015 compared to

the previous year.

According to figures released by the

Calgary Real Estate Board (CREB), total

volume of sales fell 28.2 per cent from

approximately $12.3 billion in 2014 to

approximately $8.8 billion in 2015, while

sales dropped 26.3 per cent from 25,543

in 2014 to 18,830 in 2015.

“The decrease is totally related

to what’s happening in the energy

sector,” says CREB President Corinne

Lyall. “As a consequence there was

less immigration, less jobs and a dip in

consumer confidence; a lot of people

aren’t making any decisions (on house

purchases) because of concerns with

the energy sector.”

For the month of December, total

sales in the city of Calgary were 878,

an 18.2 per cent drop from the 1,073

recorded in December 2014.

The detached (single-family) market

sales in December were 533, down

11.75 per cent from December 2014’s

604, and a 33.3 per cent drop from

November’s 799.

Attached (condo townhouse) sales

were 194 in December, a 21.46 per

cent decline from 247 in December

2014, and down 27.9 per cent from

November’s 269, while (condo)

apartment sales were 151 in December,

a decrease of 31.98 per cent from

December 2014’s 222, and down 22.6

per cent from November’s 195.

“December sales activity was slow

partly because of the holiday season,

but the economy played a major factor,

and not as many people took their

homes off the market, pushing up the

overall inventory,” Lyall says.

“It’s difficult to compare markets year-

to-year because we are so resource

based, but when you look at the five

to 10 year averages for inventory levels

we’re definitely creeping up to what we

saw in 2008,” she adds.

In December, total combined

monthly inventory levels declined to

Economic downturn sees real estate sales fall in 2015

Advice | MARKET ANALYSIS

By Heather Ryan

4,336 units, down from 5,316 units in

November. Yet they were 28 per cent

higher than December 2014, and at

the highest December level recorded

since 2008.

Lyall notes that overall inventory is up

in every market segment compared to

last year, pushing the months’ supply in

December up to where it’s 7.42 months

for the apartment sector, up 93 per cent

over the 3.84 in December 2014; 5.56

for the attached market, up 85.5 per

cent from December 2014’s 3.0; and at

4.01 for the detached market, a 35.3 per

cent rise from December 2014’s 2.97.

“We’re really still pretty segmented

in the markets with the higher priced

homes and condos being most

affected,” she adds. “We’re still balanced

in the detached market, but as we creep

above the four months’ supply we’ll

shift to more of a buyers’ market, which

we’re seeing in the condo markets.

Despite the sluggish sales and

growing inventory there has only been

a slight downward pressure on the

overall benchmark price. The combined

benchmark price was $448,800 in

December, down just 2.3 per cent from

the $459,500 in December 2014.

“A lot of people have been waiting for

prices to fall, but there was a gradual

increase in prices in 2013 to 2014, so the

shift from 2014 to 2015 has also been

gradual,” Lyall says. “We’re not seeing a

huge shift in prices.”

The largest drop in the benchmark

price in December was in the

apartment market, recording $285,500

down 4.96 per cent from December

2014’s $300,400.

The attached homes benchmark

price was $351,400 in December

down 1.35 per cent from December

2014’s $356,200, while the detached

benchmark price was $508,700 in

December down 1.91 per cent from

December 2014’s $518,600.

24 YPNEXTHOME.CA


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PRESIDENT, YELLOW PAGES NEXTHOME

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EDITOR-IN-CHIEF/DIRECTOR OF CONTENT

Susan Legge

DIRECTOR OF SALES

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EDITOR

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Heather Harke Phone: 403.829.0393

CONTRIBUTING EDITORS

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FOR ADVERTISING INQUIRIES PLEASE CALL 403.461.5518

Home Guide is published by Yellow Pages Homes Limited, located at 2891 Sunridge Way NE, Calgary, AB T1Y 7K7. Home 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 Home Guide and not that of the advertiser. The advertiser has purchased the right of reproduction in Home 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.

The entire contents of this publication are protected by copyright and are intended for the sole use of the public.

The views expressed by the columnists in this publication are not necessarily those of the publication.

CAMERON & COMPANY DISCOUNT REALTY LTD. Dory Cameron . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26

CENTURY 21 David Crick . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2

MAPLE LEAF REALTY Ken Yeoh. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11

RE/MAX REAL ESTATE Gary Williams . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11James Cote . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 19Len T. Wong & Associates . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4Matt Williams . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11

ROYAL LEPAGE REAL ESTATE Chris Zaharko. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12

RECREATIONAL PROPERTIES & MORE

PEMBERTON HOMES Nancy Vieira . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30 EVENTS

Calgary HomeExpo show. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .back cover

FEB. 15, 2016 LOOMS large on the

mortgage landscape – that’s when

the new down payment requirement

kicks in for properties between

$500,000 and $1 million.

Federal Finance Minister Bill

Morneau in December announced

changes to the rules for government-

backed mortgage insurance, intended

to contain risks in the housing market,

reduce taxpayer exposure and

support long-term stability.

E� ective Feb. 15, the minimum

down payment for new insured

mortgages will increase from fi ve

to 10 per cent for the portion of

the house price above $500,000.

The fi ve-per-cent minimum down

payment for properties up to

$500,000 remains unchanged.

What does this mean for fi rst-time

homebuyers?

Buying a house for less than $500,000?

» The new down payment

requirement will not a� ect you

Buying for between $500,000 and $1 million? You have four choices:

» Buy before Feb. 15 to avoid the new

requirement, to still be able to put

down fi ve per cent

» Delay your purchase until you’ve

saved the additional funds for the

new, higher down payment

» Somehow come up with the

additional funds now, say, with help

of the Bank of Mom and Dad, or

» Buy a home that is priced at less

than $500,000. Depending on the

market you’re in, that could mean

you’d then be looking at condo,

instead of a lowrise home

For example, if you’re buying a

property for $800,000, you would

need to make a down payment of

fi ve per cent on the fi rst $500,000

Trending

($25,000) and 10 per cent on the

remaining $300,000 ($30,000). This

would be equal to a total down

payment of $55,000, or 6.9 per cent

of the total purchase price, or an

increase of $15,000.

Buying for more than $1 million?

» The changes will not a� ect you.

You’ll need a down payment of 20

per cent, before or after the change

in regulations on Feb. 15

Regional markets to be impacted

While the new down payment

requirement was intended primarily to

slow the housing markets in Toronto

and Vancouver – where average

home prices are $630,876 and

$947,334, respectively – the impact

could be felt most elsewhere. CIBC

Deputy Chief Economist Benjamin

Preparing for the new down payment requirementBy Wayne Karl


Existing eligibility rules Eligibility rules as of Feb. 15, 2016

Home purchase

price


percentage


amount


percentage


amount

Under $500,000 5% Up to $25,000 5% Up to $25,000

$600,000 5% $30,000 5.8% $35,000

$700,000 5% $35,000 6.4% $45,000

$800,000 5% $40,000 6.9% $55,000

$900,000 5% $45,000 7.2% $65,000

$999,000 5% $50,000 7.5% $75,000

$1 million and up

20%$200,000

and up20%

$200,000 and up

Tal says Calgary will be hit hardest,

due to the large share of high-ratio

mortgages. In this city, the new

measures are estimated to impact

about 10 per cent of new sales, while

in Toronto the fi gure is fi ve per cent;

in Vancouver, just 2.5 per cent.

Spike in homebuying activity

Toronto-based Mortgage broker and

wealth planner Calum Ross expects

the new rules to cause a spike in

activity before the deadline.

“Unexpected changes to the market

that make access to capital more

di¢ cult historically have had a signifi cant

short-term impact, followed by an

adjustment,” he told New Home Guide.

Expect market activity to go

up substantially on homes priced

between $500,000 and $1 million

through until the deadline.

(403) 510-9530 • #205, 525 28th Street SE • [email protected]

CHESTERMERE • $1,095,000

120 SUNLAKE GARDENS SE • $395,000 16 SUNMEADOWS ROAD SE • $549,900

Beautiful 3000 sq. ft. 4 Bedroom Lake House, In fl oor heating in dining area and basement as well as in the over sized 2 car garage. Swim, fi sh boat or just enjoy the sun. Move in Ready Home for Raising a Family and Entertaining with Friends.

2030 Sq. ft. 2 car garage. 4 bedroom unit with two full masters with ensuite. Great for a growing family, or older family wanting the Turnkey Lifestyle. These units sell fast.

A GARDENERS DREAM. A 2500 sq. ft. 4 bedroom, 2 Car Garage. Gem on a quiet street. Beautiful gardens

and sitting area with Electric Top Hot Tub.

JAMIE MACOUNJAMIEJAMIEJAMIE MACOUNDefending your interests

SOLD SOLD

BRITISH COLUMBIA & ALBERTA

JANUARY - FEBRUARY 2016

real properties

IN THIS SECTION

>> GLENIFFER LAKE >> GULL LAKE >> SYLVAN LAKE >> INVERMERE/COLUMBIA VALLEY>> OKANAGAN REGION >> VANCOUVER ISLAND

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

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

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 • Duncan 250.746.8123

Nancy 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

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

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 • Duncan 250.746.8123

PORT

REN

FREW

$498,000 ALR RIVERSIDElevel 65 ACRES on Gordon River

located on Southern Vancouver Island.

SOO

KE

$479,900 4 bed/3 bathOver 3000 sq.ft. on 4 levels!

Amazing Ocean Views!

PORT

REN

FREW

$600,0007.42 Acre,

breathtaking wildwest coast

oceanfront loton the tip of

Juan de Fuca Strait,on the SW coast

of Vancouver Island

SOO

KE

$1,100,00011 acres zoned for 4 houses! Private

oceanfront, Cove with beach.

CO

BB

LEH

ILL

$1,600,000 11 beds / 9 baths, 5 Acres.Swim in your own 50'deep lake.

Rainbow trout, sandy beach.

REV

ENU

EPR

OPE

RTY $1,880,000

Damali Lavender& Winery Farm

includes architecturallydesigned home,

Guest House/Suite,WineryShop, Workshop/Gift

House/Loftall on picturesque

13.17 acres

SOO

KE

$364,9003 bed/3 bathwith views.Upper LegalHalf Duplex(two storey).

Private backyard.Top two floors.1 left. NO FEES.

SOO

KE

$458,0004 bed / 2 bath

Private level entry homewith full walk out

basement onbeautifully landscaped

& very sunny ocean viewhome on 2.51 acres.

Plus Huge 30'x26' shop,dog run, and pond.

Municipal Water.

PORT

REN

FREW

$225,000 2 bed / 2 bathOcean & Mtn Views from this well

located home. Walk to beach or store!

CEN

TRA

LSA

AN

ICH

$249,900 Lot 3 Mark LaneOcean view Building Lot in beautiful

Willis Point area.

SOO

KE

$299,900 3 bed / 1 bath One acre with2005 modular home, great place for a

hobby farm, lots of parking

SOO

KE

$339,900 4 bed / 2 bathFullly fenced .20 acre with two story

finished basement with suite potential!

ULC

UEL

ET

$159,000 1 bed / 1 bathNatural beauty of ocean and wildlife

Walk on waterfront, great views

PORT

REN

FREW

$162,000 1 bed / 1 bath1 acre in a prime location.

TC-1 (Tourism Commercial-One)

FREN

CH

BEA

CH

$165,000Building Lot on 1.40 Acres Walk To

Beach! Allows mobile or home.

DU

NC

AN

$199,900 2 bed / 2 bathsPrivate view deck to enjoy the sunshine

Elevator. Top Floor.

SOLD

SOLD

3 Residences

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

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

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 • Duncan 250.746.8123

Nancy 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

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

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 250.733.0770

Damali Lavender & Winery includes architecturally designed home on picturesque 13.17 acres with panoramic valley, Salt Spring Island andocean views. Currently operated as a successful French style farmhouse B&B combined with a converted barn made winery, licensed picnic area,boutique gift shop and tasting room. Products include gentle slopes nurturing fields of lavender, fruit orchards, vineyard, fertile gardens andcommercial rhubarb plantation. From the quaint patio areas for sitting and admiring the views to the actual working parts of the estate you canstill appreciate being located at the 49th parallel known for the perfect growing season. The main home perches at the top of the propertyoverlooking the vineyard and fields. Extra revenue from the beautiful Guest House with lower entry suite.

3500 Telegraph Road, Cobble Hill - $1,880,000

MARKLandscaper

TREVORContractor

MEGAN & JENNIFERInterior Designers

FEB 25 28

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calgary home guide - 29 jan., 2016

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