Selling your home is a significant decision, and having the right resources can make all the difference. With the Century 21 Home Sellers Guide, you’re not just getting advice; you’re gaining the tools and expertise to sell your home smoothly and profitably. This guide breaks down the selling process step by step, helping you prepare for every stage. Let’s dive into how this guide can assist you and why it’s your ultimate companion in the home-selling journey.

What’s My Home Worth?

One of the first questions homeowners ask is, “What’s my home worth?” Understanding your property’s market value is crucial, as it sets the foundation for your entire selling strategy. The Century 21 Home Sellers Guide helps you:

• Evaluate your home’s worth using market trends and comparable properties.
• Understand factors like location, home condition, and unique features that influence value.
• Avoid common mistakes such as overpricing or underpricing.

Working with an experienced real estate agent like Sean Findlay ensures you have accurate data to price your home competitively while maximizing your return.

Should I Use a Seller’s Agent or Go Solo?

Another common question is whether to sell your home independently or use a seller’s agent. While going solo might seem like a way to save money, it often comes with challenges that can cost you in the long run. Here’s why choosing a real estate agent is beneficial:

1. Expert Knowledge: Agents have in-depth market insights and access to tools that help you make informed decisions.
2. Professional Marketing: From listing photos to online promotions, agents know how to showcase your property to attract the right buyers.
3. Negotiation Skills: An agent’s expertise in negotiating can result in a better final sale price.

The Findlay Real Estate Team brings a wealth of experience to the table, ensuring you avoid pitfalls and secure the best deal possible.

How Do I Make My Home Attractive to Buyers?

First impressions matter, and creating a lasting impact on potential buyers can set your home apart. The Home Sellers Guide provides actionable tips for preparing your property, including:

• Declutter and Deep Clean: A tidy, clean space looks more inviting and helps buyers envision themselves living there.
• Stage Your Home: Simple adjustments, such as rearranging furniture and adding fresh decor, can enhance appeal.
• Repair and Refresh: Address minor repairs and consider small upgrades like a fresh coat of paint or updated fixtures to boost value.

Professional photography and virtual tours, provided by your seller’s agent, further enhance your home’s online presence, attracting more serious buyers.

How Do I Get Top Dollar for My Home?

Achieving the highest price for your home requires a strategic approach. The Century 21 Home Sellers Guide outlines the following key steps:

1. Set the Right Price: Avoid the trap of overpricing, which can deter buyers. Instead, aim for a competitive yet realistic price based on market analysis.
2. Market Effectively: Utilize digital platforms, local advertising, and professional networking to reach potential buyers.
3. Host Open Houses: Create opportunities for buyers to experience your home in person. A well-presented open house can leave a lasting impression.
4. Work with Professionals: From inspectors to stagers, the right team can elevate your home’s appeal and help you close the deal quickly.

Sean Findlay and the Century 21 team are committed to helping you implement these strategies, ensuring your sale is both efficient and profitable.

Why Choose The Findlay Real Estate Team?

Selling your home can feel overwhelming, but with the right support, it doesn’t have to be. Realtor Sean Findlay and his experienced team at Century 21 provide:

• Personalized guidance tailored to your unique needs.
• A proven track record of successful sales in your area.
• Unmatched dedication to making your home-selling experience smooth and rewarding.

From the moment you decide to sell, the Findlay Real Estate Team is by your side, offering expert advice and assistance every step of the way.

Download Your Home Sellers Guide Today!

Ready to take the first step in your home-selling journey? The Century 21 Home Sellers Guide is designed to answer your questions, provide actionable tips, and give you the confidence to sell your home successfully. Whether you’re a first-time seller or a seasoned homeowner, this guide is your go-to resource for a seamless sale.

Complete the form below to receive your free Home Sellers Guide directly in your inbox. Let the Findlay Real Estate Team help you achieve your goals and make your home-selling experience stress-free.

Selling your home is a big decision, but with the right guidance and support, it can also be an exciting opportunity. Contact Realtor Sean Findlay today to learn more about how the Century 21 Home Sellers Guide can help you achieve your real estate goals. Start your journey to a successful sale now!

Century 21 Home Sellers Guide

Are you thinking about selling your home soon? Look no further, as our team of experts created our exclusive Century 21 Home Sellers Guide to help make selling your home as stress-free as possible. This roadmap to listing and selling will walk you through what your home may be worth, why using a seller’s agent is so important, and how to get the highest dollar value from potential buyers. If you have any questions or comments, please do not hesitate to contact Realtor Sean Findlay at any time for assistance.

If you’re thinking of selling, you probably have a lot of questions. The Home Sellers Guide tackles questions such as:

• What’s my home worth?
• Should I use a seller’s agent or go at it alone?
• How do I make my home attractive to buyers?
• How do I get top dollar for my home?

Realtor Sean Findlay & the Century 21 Findlay Real Estate Team can help! Selling your home is a journey, and the more informed you are about what to do and expect, the more successful your sale will be. Let your journey with The Findlay Real Estate Team begin!

Download your very own Home Seller’s Guide to begin your journey today!

Please complete the form below to receive the free home sellers guide in your email inbox:

Sean Findlay – Professional Realtor | Sales Representative | Digital Marketing Realtor
Proudly Serving Toronto & GTA | Mississauga, Brampton, Oakville, Burlington, Stoney Creek, Grimsby, Beamsville, Niagara Falls, Scarborough, PickeringCENTURY 21 Millennium Inc., Brokerage *
Office Phone Number: 905-450-8300 or Toll Free: 1-888-450-8301 | Fax: 905-450-6736

Toronto Office Located: 181 Queen St, Brampton ON  (by Appointment Only)

Stoney Creek Office Located: 280 Barton St, Stoney Creek, ON L8E 2K6 (by Appointment Only)

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How much do first-time home buyers have to put down in Ontario?

The post Ontario First Time Home Buyers Program 2025 appeared first on FINDLAY REAL ESTATE.

Are you ready to make your homeownership dreams a reality, but struggling to come up with the downpayment? Look no further than our Home Downpayment Assistance Program! And now, you have the opportunity to learn all about it in our upcoming Online Zoom Seminar Series!

Register Below – Upcoming Dates:

Saturday January 11th, 2025, 11am – 12pm

What is the Home Downpayment Assistance Program?

Our Home Downpayment Assistance Program is designed to help eligible homebuyers cover the cost of their downpayment. With up to $250k in assistance available, we offer a flexible, competitive solution for first-time homebuyers or those who haven’t owned a home in the last three years.

Why Attend Our Zoom Seminar?

By attending our Zoom seminar, you’ll get an in-depth look at our Home Downpayment Assistance Program and how it can benefit you. Our team of experts will guide you through the application process, eligibility criteria, and answer all your questions. Here are some reasons why you should attend:

• Learn about our program: Our seminar is the perfect opportunity to learn everything you need to know about our Home Downpayment Assistance Program, including eligibility requirements and how to apply.
• Get your questions answered: Our team of experts will be on hand to answer any questions you may have about the program, the application process, or homeownership in general.
• Connect with other homebuyers: Our seminar is a great way to connect with other homebuyers who may be in a similar situation to you. You can share tips, advice, and support as you navigate the homebuying process.

How to Register for Our Zoom Seminar?

Registering for our Zoom seminar is quick and easy. Simply visit our Eventbrite page and click on the registration button. We’ll send you all the details you need to join our seminar on the scheduled date.

Conclusion

If you’re ready to take the first step towards homeownership, our Home Downpayment Assistance Program can help. And our upcoming Zoom seminar is the perfect opportunity to learn all about it from our team of experts. Don’t let a downpayment stand in the way of your dream home – register for our seminar today and unlock the door to your future!

The post Learn About Our Home Downpayment Assistance Program In Our Upcoming Zoom Seminar Series appeared first on FINDLAY REAL ESTATE.

Looking for a modern, upscale living space in the heart of Mississauga? Discover this exquisite luxury basement apartment located at 5900 Greensboro Dr (Winston Churchill & Britannia Rd) for only $2500 per month.

A Spacious, Fully Furnished 2-Bedroom Apartment

Step into a beautifully designed 2-bedroom basement apartment with 9ft ceilings, offering a blend of elegance and comfort. Perfect for professionals, students, or anyone looking for a tranquil yet stylish home, this property is move-in ready and comes fully furnished.

Apartment Features:

• Bedrooms: Two generously sized, fully furnished bedrooms.
• Bathroom: A private, beautifully finished full bathroom.
• Kitchen: A modern kitchen featuring sleek appliances, ample counter space, and bar seating—ideal for cooking, dining, or remote work.
• Living & Dining Areas: Stylishly appointed spaces with plush seating and a dedicated dining area.
• Separate Entrance: Enjoy the privacy of your own well-lit, separate entry.
• In-Suite Laundry: Convenience at its finest with your own washer and dryer.
• Parking Included: One parking spot is available for your convenience.

Prime Location with Unmatched Amenities

Nestled in a quiet, safe, and well-established neighborhood, this home offers easy access to everything Mississauga has to offer:

• Shopping & Dining: Minutes from major malls, supermarkets, and Tim Hortons.
• Recreation: Close to parks, movie theaters, and fitness centers.
• Accessibility: Quick access to public transit, highways, and Toronto Pearson International Airport.
• Education & Healthcare: Near the University of Toronto Mississauga campus and a reputable hospital.

Why This Apartment?

This luxury basement apartment combines modern design with practical amenities to create the perfect living space. The high ceilings and open-concept layout ensure you have all the space you need, while the fully furnished interiors mean you can move in hassle-free.

Availability

This stunning apartment is move-in ready! Don’t miss your chance to call this exceptional property home. Book a viewing today and experience the luxury and comfort of 5900 Greensboro Dr.

For Tenant Representation

Please contact,

Sean Findlay, Realtor, B.A.

Real Estate Sales Representative

Century 21 Millennium Inc., Brokearage

905-450-8300

Sean.Findlay@Century21.ca

www.FindlayRealEstate.ca

The post Luxury Basement Apartment for Rent in Mississauga – 5900 Greensboro Dr appeared first on FINDLAY REAL ESTATE.

Effective December 15, 2024, Canada is implementing significant mortgage reforms aimed at improving housing affordability. These changes are especially impactful for homebuyers in major markets like Toronto, Vancouver, and Montreal, where rising home prices have made it increasingly difficult to afford a home. Whether you’re a first-time buyer or looking to upgrade, these reforms are designed to make homeownership more accessible.

Let’s dive into the details of Canada’s new mortgage rules for 2025, and how they will affect you.

Key Changes to Canada’s New Mortgage Rules Starting December 15, 2024

1. Increased CMHC Insured Mortgage Cap

One of the most significant changes coming on December 15, 2024, is the increase in the CMHC insured mortgage cap. The Canadian Mortgage and Housing Corporation (CMHC) is raising the cap from $1 million to $1.5 million. This change is particularly important for homebuyers in high-cost markets like Toronto, Vancouver, and Montreal, where property prices have skyrocketed over the last decade.

What This Means for Buyers:

• Increased affordability: Buyers can now purchase homes up to $1.5 million with as little as a 5% down payment, making it easier for first-time buyers to enter the market.
• More options: More properties will now fall under CMHC-insured limits, giving buyers access to a wider selection of homes.

A Closer Look at the Market Impact:

For homebuyers in these markets, the new cap makes it possible to purchase more expensive homes with the same down payment. However, it also means that home prices may rise further as more buyers are able to access larger mortgages.

2. Extended 30-Year Amortization Period for First-Time Buyers

Another game-changer for homebuyers is the extension of 30-year amortization periods for first-time buyers. This reform allows first-time buyers to stretch out their mortgage payments over a longer period, thus lowering their monthly payments.

Benefits of Extended Amortizations:

• Lower monthly payments: A 30-year amortization means your monthly payments will be smaller compared to the traditional 25-year period. This can significantly reduce the financial strain of homeownership, especially for young buyers or those on a tight budget.
• More people qualify: With lower payments, more buyers may qualify for a mortgage, even if their incomes are relatively modest.

Example: Comparing Monthly Payments

To illustrate, let’s look at a scenario where a buyer takes out a $500,000 mortgage at a 5% interest rate:

While the monthly payments are lower with a 30-year amortization, buyers should keep in mind that the total interest paid over the life of the loan will be higher.

3. When Will These Changes Take Effect?

The new rules are set to take effect on December 15, 2024. This gives homebuyers, lenders, and real estate professionals a few months to adjust to the new guidelines. If you’re planning to buy a home or refinance, now is the time to get familiar with these changes and prepare accordingly.

The Broader Context: Addressing Canada’s Housing Affordability Crisis

These mortgage reforms are part of the Canadian government’s ongoing efforts to address the housing affordability crisis that has been plaguing the country, especially in major urban centers. Home prices have increased significantly over the past decade, making it more difficult for young Canadians and first-time buyers to secure a home.

Rising Home Prices in Canada’s Major Cities

Here’s a look at how home prices have increased over the past decade in some of Canada’s largest cities:

As you can see, the price of homes has nearly doubled in Toronto over the last decade. These skyrocketing prices have led to more Canadians being locked out of the housing market, which is why the government’s changes to mortgage rules are so crucial.

Housing Supply Shortages

In addition to rising home prices, Canada is facing a severe housing supply shortage. The government is targeting an ambitious goal of building 4 million new homes to address the growing demand driven by population growth. Without an increase in supply, home prices may continue to climb, putting homeownership further out of reach for many Canadians.

Potential Impacts of the New Mortgage Reforms

While the new mortgage rules aim to make homeownership more accessible, they come with both potential benefits and risks. Here’s a closer look at what these reforms could mean for the Canadian housing market:

Positive Outcomes

• Increased homeownership opportunities: The new rules make it easier for first-time buyers to enter the market, increasing the chances of homeownership.
• Economic boost: Increased housing activity could stimulate related industries, including construction, retail, and home improvement.
• Lower monthly payments: Extended amortizations reduce monthly mortgage payments, making homeownership more affordable on a month-to-month basis.

Possible Risks

• Rising home prices: The new rules could push home prices even higher, especially in high-demand cities like Toronto and Vancouver, as more buyers can access larger mortgages.
• Higher overall debt: While monthly payments may be lower with a 30-year amortization, buyers may end up paying more in total interest over the life of the loan.

What Homebuyers Need to Know Before Buying in 2025

If you’re planning to buy a home after December 15, 2024, here’s how you can prepare for these changes:

1. Save for a Down Payment

While the new rules make it easier to access larger mortgages, you still need to save for a down payment. The minimum down payment requirement for homes under $1.5 million is 5%, but a higher down payment may be required for homes over that price point.

2. Understand Your Budget

Even though your monthly payments may decrease with the new 30-year amortizations, it’s important to consider the long-term financial impact. Extended amortizations result in more total interest paid, so you need to be aware of how much you’ll be paying over the life of your loan.

3. Get Pre-Approved

Mortgage pre-approval is a crucial step in the home-buying process. Understanding how these changes impact your borrowing power will help you make better financial decisions. Speak with a lender to understand how the new rules affect your specific situation.

4. Stay Informed

Keep up with lender updates and market conditions. The housing market is constantly evolving, and staying informed will help you make the best decisions when it comes time to purchase your home.

Conclusion: Canada’s New Mortgage Rules 2025

Canada’s new mortgage rules, set to take effect on December 15, 2024, will help make homeownership more attainable for many Canadians, especially in high-cost cities like Toronto, Vancouver, and Montreal. By increasing CMHC-insured mortgage caps and extending amortizations for first-time buyers, the government is addressing key affordability challenges.

However, these changes also come with potential risks, such as rising home prices and higher overall debt. Homebuyers should approach these changes with caution and ensure they are well-prepared before entering the market. With proper planning and informed decision-making, these new rules could unlock exciting opportunities for Canadians looking to buy a home.

Stay informed, plan ahead, and take advantage of these reforms to make your homeownership dreams a reality in 2025.

Need help navigating the new mortgage rules and finding your dream home? Contact me today, and let’s get started!

Sean Findlay, B.A., Realtor
Award-Winning Sales Representative
Century 21 Millennium Inc.
Office Phone: 905-450-8300 | Mobile Phone: 416-996-0054
Visit FindlayRealEstate.ca

References:

• Canadian Mortgage and Housing Corporation (CMHC)
• Government of Canada Housing Announcements
• CREA Housing Data

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Ontario Homeowners Utilities Energy Grants: Help for Ontario Homeowners

With rising utility costs and unpredictable energy prices, many Ontario homeowners are searching for ways to manage their monthly energy bills. Fortunately, the provincial government and other organizations offer various Ontario Utilities programs and grants designed to provide financial assistance and help homeowners make their properties more energy-efficient. Whether you’re struggling to cover your monthly bills or want to invest in energy-saving improvements, these programs can offer some relief.

In this guide, we’ll explore the top utility and energy grants available to Ontario homeowners, helping you understand how to qualify and apply for these vital resources.

1. Ontario Electricity Support Program (OESP)

The Ontario Electricity Support Program provides a monthly on-bill credit to eligible low-income households to help reduce electricity costs. This program aims to make electricity more affordable for families who struggle to pay their utility bills.

How It Works:

• Monthly credits range from $35 to $75, depending on household income and the number of residents.
• Larger families and those with special medical needs may qualify for a higher credit.

Eligibility:

• The program is based on household income and size. For example, a household of four earning less than $52,000 annually could qualify.

How to Apply:

• You can apply for OESP online or through a local community agency that can assist with the application process.

2. Low-Income Energy Assistance Program (LEAP)

The Low-Income Energy Assistance Program (LEAP) offers one-time emergency financial help to low-income families facing disconnection due to overdue electricity or natural gas bills. This grant can prevent households from losing access to utilities during tough times.

How It Works:

• Grants can cover up to $500 for electricity and natural gas bills or $600 if the home is heated electrically.
• It’s a one-time payment applied directly to the outstanding bill.

Eligibility:

• You must be a customer of a utility company that offers LEAP, and your household income must meet low-income thresholds.

How to Apply:

• Contact your utility company or a participating social service agency to apply. Ensure you apply before your electricity or gas is disconnected.

3. Home Assistance Program (HAP)

The Home Assistance Program is an energy-efficiency initiative that provides free home upgrades to low-income households to reduce energy consumption. These upgrades are designed to help homeowners lower their electricity bills by making their homes more energy-efficient.

What’s Included:

• Energy-efficient light bulbs
• Energy-efficient refrigerators and freezers
• Insulation and weather stripping
• Programmable thermostats

Eligibility:

• You must own your home or have the landlord’s approval to participate in the program. The program is available to low-income households based on income thresholds or if you receive certain government benefits.

How to Apply:

• Applications can be submitted through your electricity distributor.

4. Save on Energy Retrofit Program

The Save on Energy Retrofit Program provides incentives to homeowners who undertake energy-efficient home improvement projects. These grants encourage homeowners to invest in upgrades that improve energy efficiency, reduce carbon footprints, and save money in the long term.

Available Incentives:

• Up to $500 for upgrading your HVAC system.
• Up to $100 for smart thermostats.
• Additional rebates for insulation, windows, doors, and more.

Eligibility:

• Homeowners must install energy-efficient appliances or upgrades to qualify for incentives.

How to Apply:

• Visit the Save on Energy website for more details on specific rebates and participating contractors.

5. Enbridge Home Efficiency Rebate Plus

The Enbridge Home Efficiency Rebate Plus (formerly the Home Energy Conservation Program) offers rebates for homeowners who undertake multiple energy-efficient home improvements. The program encourages homeowners to make eco-friendly upgrades, such as installing new insulation, replacing old windows, or upgrading HVAC systems.

What’s Covered:

• Rebates range from $250 to $5,000 depending on the types of upgrades.
• A home energy audit is required before and after the upgrades to determine the efficiency improvements.

Eligibility:

• This program is open to Ontario homeowners with natural gas or electric heating. Specific rebate amounts depend on the types and combinations of energy-efficient upgrades completed.

How to Apply:

• Applications are processed through Enbridge Gas, and homeowners can book their energy audits through a registered service organization.

6. Ontario Energy and Property Tax Credit

The Ontario Energy and Property Tax Credit helps low- and moderate-income households with their energy costs and property taxes. This annual credit is applied to reduce the amount of income tax payable.

How It Works:

• The maximum credit amount for 2024 is $1,121 for seniors and $1,092 for non-seniors.

Eligibility:

• Ontario residents who pay property tax or rent for their home may qualify. Your eligibility is determined when you file your income tax return.

How to Apply:

• You must apply for the credit when completing your annual tax return. It will automatically be applied to eligible households.

7. Canada Greener Homes Grant

While not an Ontario-specific grant, the Canada Greener Homes Grant is available to Ontario homeowners looking to improve the energy efficiency of their homes. This federal program provides funding for energy-efficient upgrades that reduce your home’s carbon footprint and lower your energy bills.

Available Grants:

• Up to $5,000 in grants to help you make energy-efficient home improvements, including insulation, air sealing, windows, doors, and solar panels.
• Up to $600 to cover the cost of a pre- and post-retrofit EnerGuide home evaluation.

Eligibility:

• Homeowners must complete an energy audit before and after the upgrades to qualify for the grant.

How to Apply:

• Applications are submitted through the Canada Greener Homes Grant website, where you can also schedule an EnerGuide evaluation.

Conclusion – Ontario Utilities Grants

As energy costs continue to rise, it’s important for Ontario homeowners to take advantage of the many grants and programs available to help manage utility expenses. Whether you’re in need of emergency financial assistance or looking to invest in energy-efficient upgrades, these programs offer the support needed to keep your home energy-efficient and your utility bills manageable.

By exploring these options and making informed decisions, Ontario homeowners can reduce energy costs, contribute to a greener environment, and improve their home’s overall comfort and value.

For more information on available programs, be sure to visit the official websites or contact your local utility provider to learn about specific eligibility requirements and application processes.

Are Thinking About Selling Your Home? Contact Realtor Sean Findlay for a Home Evaluation and a Comparative Market Analysis Report for your Neighbourhood Sent Right To Your Email

The article is now complete | Click To Return Findlay Real Estate Home Page 

Sean Findlay – Professional Realtor | Sales Representative | Digital Marketing Realtor
Proudly Serving Toronto & GTA | Mississauga, Brampton, Milton, Oakville, Burlington, Stoney Creek,  Hamilton, Grimsby, Niagara Region

CENTURY 21 Millennium Inc., Brokerage *
Office: 905-450-8300 | Toll Free Office Phone Number: 1-888-450-8301 | Fax: 905-450-6736

Toronto Office Located: 181 Queen St E Brampton, ON L6W 2B3 (by Appointment Only)
(Located conveniently at the border of Mississauga & Brampton – Major Intersection Steeles & Hurontario st. )

Stoney Creek Office Located: 280 Barton St, Stoney Creek, ON L8E 2K6 (by Appointment Only)

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Home Preparation Checklist For Selling Your Home

The post The Ultimate Home Selling Preparation Checklist appeared first on FINDLAY REAL ESTATE.

And, while the real estate forms you’ll work with when diving into a real estate transaction can vary, there are a few common or standard real estate forms that the Ontario Real Estate Association (OREA) has produced which all real estate agents use in Ontario.

Your real estate agent then customizes these forms to you as a home buyer or home seller, but they can be confusing, especially for those who are buying a home in Ontario for the very first time!

I see this often with first-time home buyers which is important to have Ontario Real Estate Forms explained and want to help prepare you for the real estate market when the time comes for you to buy or sell a property in Ontario.

Before we get too deep into reviewing what these real estate forms and paperwork mean, there are a few things you should be aware of:

• In Ontario, all Realtors (real estate agents) work for and represent a Brokerage – in my case, I work for and represent Century 21 Millennium Inc.
• Whether you’re buying, selling or leasing a home in Ontario, agreements are always between you and the Realtor’s Brokerage (not between you and the individual Realtor)*
• When you see people refer to themselves or Realtors as “real estate agents”, they mean Realtors, which is the official term of designation
• All real estate forms and paperwork can be signed electronically provided it’s with an approved or acceptable digital signing program (like DocuSign)

*Because your agreement is between you and your Realtor’s Brokerage (and not between you and your Realtor themselves), it’s important to work with a Realtor that puts your best interests first and negotiates for you, not just to get the best commission or wrap up a sale quickly!

WORKING WITH A REALTOR – OREA FORM 810

The “Working With a Realtor” Form (810) from OREA explains the distinction between what it means to be a “client” and a “customer”. That distinction is important because it distinguishes the type of relationship you have with your Realtor.

As a client, you can be a home buyer or a home seller. The representation agreements take the form of a Listing Agreement or a Buyer Representation Agreement. While in a client relationship (as a home buyer or home seller), the Brokerage has to protect the interest of the client and not disclose confidential information.

When a home buyer or home seller doesn’t want to have a client relationship with a Brokerage, they can have a customer relationship with the Brokerage. In this case, the services the Brokerage offers are restricted.

Form 810 also explains what happens when a Realtor (real estate agent) is representing both the home buyer and the home seller.

Keep in mind that the “Working With a Realtor” (Form 810) is an agreement between you (the home buyer or the home seller) and the Brokerage, not you and your Realtor. Your Realtor works on behalf of their Brokerage. It’s also important to know that Form 810 doesn’t commit you to working with a specific Realtor; it’s just an acknowledgment that you’ve been informed and have talked about different ways you can be represented!

BUYER REPRESENTATION AGREEMENT – OREA FORM 300

The Buyer Representation Agreement is between you (the home buyer) and your Realtor’s Brokerage. It gives the Brokerage permission to act on your behalf in the purchase of a property and must be signed prior to a Realtor submitting an offer on your behalf. This agreement also lays out the terms of the commission the Realtor will be paid if you buy a property during the period of the agreement.

The Buyer Representation Agreement also means that your Realtor is obligated to:

• Put your best interests first and protect your best interests
• Negotiate on your behalf
• Take all reasonable steps to discover and disclose all material facts about a property

What does that all mean? Well, it means that your Realtor will act on your behalf to negotiate favourable terms for you, maintain confidentiality at all times, and work to ensure that you as a Buyer are protected and assisted in making informed choices.

LISTING AGREEMENT – OREA FORM 200

The Listing Agreement is between you (the home seller) and your Realtor’s Brokerage. It gives the Brokerage your Realtor works for, permission to act on your behalf when you put your home up for sale. Like the Buyer Representation Agreement, the Listing Agreement lays out the terms of the commission the Realtor will be paid if you sell a property during the period of the agreement.

When you sign a Listing Agreement, you’re authorizing your Realtor to actively list (on MLS) and market your property for sale, which can include marketing your property through both agent and public open houses, through print and digital advertisements, and to fellow Realtors who may have a potential home buyer well suited for your property.

Your Realtor will still be obligated to put your best interests first and protect you as the home seller while maintaining confidentiality and negotiating on your behalf.

FINTRAC – OREA FORM 630

FINTRAC – known as the Individual Identification Information Record – is prepared by the Canadian Real Estate Association (CREA) to assist Realtors in complying with certain requirements laid out by the Government of Canada. FINTRAC stands for Financial Transactions and Reports Analysis Centre of Canada.

As FINTRAC explains, this organization’s mandate is to facilitate the detection, prevention and deterrence of money laundering and the financing of terrorist activities, while ensuring the protection of personal information under its control.

The most important thing for home buyers and home sellers to be aware of with FINTRAC is that this record must be completed by the Realtor and kept on file at their Brokerage.

AGREEMENT OF PURCHASE AND SALE – OREA FORMS 100 AND 101

When it comes to the Agreement of Purchase and Sale, Form 100 relates to the purchase of a freehold property, whereas Form 101 relates to the purchase of a condo.

This Agreement is the real estate form used to purchase a property and negotiate the terms of the sale. It’s often referred to as an “Offer”!

With this real estate form, the home buyer has the opportunity to set out, in detail, all of the terms and conditions they want included in their offer when buying the home seller’s property. In Ontario, a real estate transaction has to be in writing to be made legal, so the Agreement of Purchase and Sale is the legal real estate form that defines the terms and conditions of your offer to purchase a property.

With the Agreement of Purchase and Sale, there are two scheduled attached to the agreement: Schedule A and Schedule B. Let’s break those two down!

Schedule A – this is created by the Realtor representing the home buyer, and includes all conditions and terms of the sale. These are the conditions favourable to the home buyer, and the Schedule A is where these conditions are outlined (like financing, home inspection, etc) along with any other terms.

Schedule B – this is created by the Realtor representing the home seller, and brings to everyone’s attention certain procedures (like banking days and deposit deadlines). Your Realtor will help explain the Schedule B to you.

A few things to keep in mind about the Agreement of Purchase and Sale:

• Time limits placed on this Agreement are important – that means that if an agreement expires at 10am, it cannot be accepted at 10:01am (for example).
• All negotiations made between a home buyer and a home seller have to be in writing in order to be legal (otherwise, they’re not valid)
• Like all real estate forms and documents, the Agreement of Purchase and Sale can be signed electronically

CONFIRMATION OF COOPERATION – OREA FORM 320

The Confirmation of Cooperation is signed along with the Agreement of Purchase and Sale. It reiterates the terms laid out in Form 810 (“Working With a Realtor”), because it indicates to everyone involved the specific types of relationships (client or customer) that exist in the real estate transaction.

OFFER SUMMARY DOCUMENT – OREA FORM 801

The Offer Summary is for use with the Agreement of Purchase and Sale and is meant to act as a summary of the Agreement of Purchase and Sale.

REBA, which is the Real Estate and Business Brokers Act 2002, requires that Brokerages maintain a record of all written offers related to the sale of a property. So, the Offer Summary acts as that record, and records the submission and presentation of the offer that’s presented for the purchase of a property.

WHAT ABOUT ONTARIO REAL ESTATE COMMISSION?

Real estate agents in Ontario get paid through commission, which is calculated based on a certain percentage of the price of a home. Realtors are only paid upon the successful close of a property.

That means, for example, that if a Realtor is working with a Seller and their client’s home doesn’t sell, the Realtor doesn’t get paid.

When do you pay real estate commission in Ontario?

In Ontario, it is typical that the home Sellers pay the real estate commission, not the home Buyer. So when you are planning to buy a home in Ontario and you use a real estate agent, there is typically no fee’s charged to the buyer to use there service.

But there’s more to it than that!

Ontario real estate commissions are paid directly to the real estate Brokerage that listed the property for sale. That means that commissions are not paid to the individual Realtor you work with.

Questions? Get In Touch

If you have any further questions, or need further clarification on Ontario Real Estate Forms Explained please feel free to book a free buyer or sellers consultation with Realtor Sean Findlay at 905-450-8300 or email Sean.Findlay@Century21.ca.

The post Ontario Real Estate Forms and Paperwork Explained [For Sellers and Buyers] appeared first on FINDLAY REAL ESTATE.

Ontario continues to be one of the most desirable places to live in Canada, attracting homebuyers and investors from across the country and around the globe. As the demand for housing grows, so do the prices, particularly in some of the province’s most sought-after cities. In this 2024 report, we explore the most expensive cities in Ontario for real estate, providing insights into what makes these locations so coveted and what you can expect if you’re looking to buy a home there.

1. Toronto: The Crown Jewel of Ontario Real Estate

Average Home Price: $1.5 Million

Toronto remains the most expensive city in Ontario—and Canada—for real estate in 2024. With its bustling economy, vibrant cultural scene, and diverse population, Toronto is a global city that continues to draw people from all walks of life. The city’s luxury condos, historic homes, and proximity to top-tier amenities make it a top choice for high-net-worth individuals.

Why Toronto?

• Economic Hub: Toronto is Canada’s financial center, home to major banks, corporations, and tech companies. The job market is robust, attracting professionals seeking proximity to work.
• Cultural Diversity: With its multicultural neighborhoods, Toronto offers a rich cultural tapestry, with dining, entertainment, and events that appeal to a wide range of tastes.
• Education and Healthcare: The city is home to world-class universities and hospitals, making it a desirable location for families and international students.

2. Oakville: Suburban Luxury Meets Tranquility

Average Home Price: $1.4 Million

Oakville, a picturesque town located on the shores of Lake Ontario, is known for its affluent neighborhoods, top-ranked schools, and peaceful suburban atmosphere. Despite being a quieter alternative to Toronto, Oakville’s real estate market is nearly as competitive, with luxury homes and waterfront properties driving prices up.

Why Oakville?

• Quality of Life: Oakville consistently ranks high in quality of life metrics, with excellent schools, parks, and community services.
• Proximity to Toronto: Just a short commute from Toronto, Oakville offers the perfect blend of suburban tranquility and easy access to the city’s amenities.
• Waterfront Living: The town’s scenic waterfront is lined with upscale homes, marinas, and parks, offering a serene lifestyle for those who can afford it.

3. Vaughan: The Rapidly Growing City of Innovation

Average Home Price: $1.2 Million

Vaughan, located just north of Toronto, has seen significant growth over the past decade, transforming from a suburban area into a thriving city. With new developments, state-of-the-art infrastructure, and the recent opening of the Vaughan Metropolitan Centre, the city has become a hotspot for real estate investment.

Why Vaughan?

• Modern Infrastructure: Vaughan’s rapid development has led to the creation of modern residential communities, shopping centers, and public transit options, including a direct subway link to Toronto.
• Family-Friendly: The city is known for its safe neighborhoods, excellent schools, and abundant recreational facilities, making it a top choice for families.
• Cultural Attractions: Vaughan is home to cultural landmarks like Canada’s Wonderland and the McMichael Canadian Art Collection, adding to its appeal.

4. Mississauga: The Growing Urban Powerhouse

Average Home Price: $1.1 Million

Mississauga, once considered a suburban extension of Toronto, has become a city in its own right, with a diverse population, thriving business districts, and a rapidly growing skyline. Real estate in Mississauga is highly sought after, especially in neighborhoods like Port Credit and Lorne Park.

Why Mississauga?

• Business and Employment: Mississauga is home to numerous multinational corporations, providing ample job opportunities for residents.
• Cultural Diversity: The city boasts a multicultural population, with vibrant communities and a variety of international cuisines, festivals, and events.
• Proximity to Toronto Pearson Airport: As the location of Canada’s busiest airport, Mississauga is a hub for business travelers and frequent flyers.

5. Markham: The Tech Hub of Ontario

Average Home Price: $1.1 Million

Markham, known as the “High-Tech Capital of Canada,” has a strong economy driven by technology and innovation. The city’s blend of modern urban development and rich cultural heritage has made it a top destination for real estate investment, particularly among young professionals and families.

Why Markham?

• Tech Industry: Markham is home to many leading tech companies, providing high-paying jobs and driving demand for housing.
• Education: The city offers excellent schools and is close to York University, making it a popular choice for families.
• Cultural Diversity: Markham’s diverse population is reflected in its array of cultural festivals, dining options, and community events.

6. Richmond Hill: The Upscale Suburban Retreat

Average Home Price: $1.0 Million

Richmond Hill offers a quieter, more suburban lifestyle while still being within reach of Toronto’s urban amenities. Known for its upscale neighborhoods and high-quality schools, Richmond Hill has become one of the most expensive places to buy a home in Ontario.

Why Richmond Hill?

• Safe and Quiet: Richmond Hill is ideal for those seeking a peaceful, family-friendly environment.
• Proximity to Nature: The city is surrounded by parks, trails, and conservation areas, providing ample opportunities for outdoor activities.
• High-Quality Education: Richmond Hill is known for its top-rated schools, attracting families looking for the best educational opportunities for their children.

7. Burlington: The Perfect Blend of City and Nature

Average Home Price: $1.0 Million

Burlington, located between Toronto and Hamilton, is known for its high quality of life, excellent schools, and beautiful waterfront. The city’s real estate market is competitive, with many buyers drawn to its combination of urban amenities and natural beauty.

Why Burlington?

• Scenic Views: Burlington’s location on the shores of Lake Ontario offers stunning waterfront views and outdoor activities.
• Strong Community: The city is known for its strong sense of community, with numerous events, festivals, and public spaces.
• Convenient Location: Burlington’s proximity to both Toronto and Hamilton makes it an ideal location for commuters.

8. Milton: The Fast-Growing Suburban Gem

Average Home Price: $950,000

Milton has rapidly transformed from a small town into one of Ontario’s fastest-growing cities. With new residential developments and expanding infrastructure, Milton offers a mix of suburban charm and modern conveniences, making it a desirable place for families and professionals alike.

Why Milton?

• Affordability: Compared to other cities in the Greater Toronto Area (GTA), Milton offers relatively more affordable housing options while still maintaining a high standard of living.
• Family-Oriented: Milton is known for its excellent schools, parks, and community centers, making it an attractive location for families.
• Proximity to Nature: The city is close to several conservation areas and parks, providing residents with ample opportunities for outdoor activities.

9. Hamilton: The Rising Star of Ontario Real Estate

Average Home Price: $900,000

Hamilton has emerged as a major player in Ontario’s real estate market, thanks to its affordable housing options, vibrant arts scene, and growing economy. The city’s revitalization efforts have made it increasingly attractive to both investors and homebuyers, particularly those looking for a more affordable alternative to Toronto.

Why Hamilton?

• Cultural Renaissance: Hamilton’s arts and culture scene has flourished in recent years, with new galleries, theaters, and music venues popping up across the city.
• Economic Growth: The city’s economy has diversified, with growth in sectors like healthcare, education, and technology.
• Affordable Living: While prices are rising, Hamilton still offers more affordable real estate options compared to cities like Toronto and Oakville.

10. Whitby: The Hidden Gem of the Durham Region

Average Home Price: $880,000

Whitby, located in the Durham Region, is often overshadowed by its more famous neighbors, but it has quietly become one of the most desirable places to live in Ontario. With its excellent schools, safe neighborhoods, and proximity to both Toronto and nature, Whitby offers a high quality of life at a more affordable price point.

Why Whitby?

• Community-Focused: Whitby is known for its tight-knit community, with plenty of local events, festivals, and family-friendly activities.
• Proximity to Toronto: The city offers an easy commute to Toronto, making it an attractive option for professionals who work in the city but prefer a suburban lifestyle.
• Access to Nature: Whitby is close to Lake Ontario and several parks, providing residents with ample opportunities for outdoor recreation.

Conclusion: Navigating Ontario’s Expensive Real Estate Markets

Ontario’s real estate market in 2024 is as competitive as ever, with prices continuing to rise in the province’s most desirable cities. Whether you’re drawn to the bustling urban life of Toronto, the suburban luxury of Oakville, or the innovation-driven growth of Vaughan, these cities offer a variety of lifestyle options for those who can afford them.

If you’re considering buying in one of Ontario’s most expensive cities, it’s crucial to work with a knowledgeable real estate agent who can guide you through the process. Understanding the local market, securing financing, and making a competitive offer are all essential steps in purchasing a home in these high-demand areas.

Ontario

2019 to 2021 saw modest growth in Ontario, and the past year in 2022 has seen even bigger increases. “Demand has been off the charts,” says  Realtor Sean Findlay owner of Findlay Real Estate | Century 21 “Our clients are moving up from Toronto now that they can work from home. People are also realizing how much more space you can get once you get out of the metro area.”

Suburbs have all seen double-digit increases in prices, with the highest in those communities that are just a little outside a regular commute. “Now that people are commuting a few times a week rather than every day, they’re willing to be a bit further from their jobs in order to secure a bigger home at a more affordable price,” says Amandalyn Findlay of Findlay Mortgages

Prices in downtown Toronto condos were actually slightly down for the first six months of the year, but are coming back strong. 2021 started with lower prices than we saw in the initial pandemic, but have increased as the year went on. Ottawa condos were also down year over year but, they too are rebounding as 2022 continues.

When it comes to living in Ontario, there’s no denying that there are some areas that are more expensive than others, with prices changing drastically from region to region.

And yet, despite the unprecedented economic crisis brought on by the pandemic, Ontario’s housing market is showing little signs of slowing down. In fact, HelloSafe — an insurance comparison platform — reported that “Ontario’s real estate prices increased faster between March 2020 and March 2021 than in British Colombia (29.9% vs 20.2%) – “which proves Ontario’s housing market dynamism despite the gloomy circumstances of COVID-19.”

As you can imagine, regions are now seeing vastly different real estate prices in the wake of the pandemic. And, if you’re curious which of Ontario’s cities are the most expensive to buy a home, HelloSafe has rounded up the top cities where real estate prices are currently the highest in Ontario.

Unsurprisingly, the great majority of them (except Ottawa) are located near, or in, the Greater Toronto Area (GTA).

These Are the Most Expensive Cities in Ontario for Real Estate- Chart

Most Expensive Cities Ontario/HelloSafe

According to HelloSafe, Oakville-Milton is currently the most expensive area to buy a home in the province, with the average transaction price hitting $1,335,200 in March 2021, a 20% year-over-year increase from March 2020, when the prices were an average of $1,113,200.

This is followed by the Toronto-area, where the transaction price in March was $1,102,804 — a 21.8% year-over-year increase. On the other hand of the ranking, Sault Ste. Marie came out in the final spot, with an average transaction price of $257,955 — up 24.3% year-over-year.

Historically The most expensive cities in Ontario for real estate:
1. Oakville-Milton
2. Mississauga
3. Toronto
4. Durham Region
5. Hamilton-Burlington
6. Orangeville
7. Guelph & District
8. Kitchener-Waterloo
9. Ottawa
10. Greater Sudbury
11. Thunder Bay
12. Sault Ste. Marie

While Ontario is known for being expensive for real estate with average prices sitting at $890,035 in March, the province still isn’t as pricey as British Columbia, where the average price reached $945,936 in March — a $55,901 difference from Ontario.
However, HelloSafe noted that prices in Ontario are still above the Canadian average of $716,828. In comparison, it’s almost twice as expensive to buy a house in Ontario than in Nova Scotia, where the average price was $362,988 in March.

Methodology: HelloSafe used data from CREA and the data is accurate at the time of publication.

For more information, questions or inquiries contact Realtor Sean Findlay at 905-450-8300 or email Sean.Findlay@Century21.ca

Sean Findlay – Professional Realtor | Sales Representative | Real Estate Digital Marketing Specialist

– Proudly Specializing in Toronto, Stoney Creek, Hamilton & GTA Real Estate –

Toronto, Mississauga, Brampton, Milton, Oakville, Burlington, Stoney Creek, Grimsby, Hamilton, Niagara Falls.

CENTURY 21 Millennium Inc., Brokerage * Office: 905-450-8300 or Toll Free: 1-888-450-8301 | Fax: 905-450-6736

Toronto Office Located: 181 Queen St E Brampton, ON L6W 2B3 (by Appointment Only)

Stoney Creek Office Located: 280 Barton St, Stoney Creek, ON L8E 2K6 (by Appointment Only)

The post These Are the Most Expensive Cities in Ontario for Real Estate: 2024 Report appeared first on FINDLAY REAL ESTATE.

Why ‘Winona, Stoney Creek’ real estate is a good buy for 2024/2025: A Q&A with Sean Findlay of Century 21 Millennium Inc.

Stoney Creek is a hidden gem! A growing beautiful community that sits on the western edge of Hamilton and forms the gateway to Niagara’s tender fruit lands. Located just 45 minutes from Downtown Toronto, and 45 minutes from Niagara Falls, you can find the perfect balance of life in this well sought after neighborhood. Sean Findlay not only specializes in selling Stoney Creek real estate properties, he currently lives in this lovely community nestled between the Niagara escarpment and Lake Ontario. Here’s why he thinks Winona is the place to be in 2024 / 2025, and what you need to know about buying property here in this growing Winona, Stoney Creek real estate market.

What is the community like?

I moved to Winona, Stoney Creek because the school system was great. In the last seven or eight years, we’ve had three brand new schools built within one mile of each other in anticipation of the growth of Winona and Stoney Creek, and they all have a great reputation. Teachers look for areas like this to live and work in—you’re in the greenbelt, the gateway to wine country. Winona has one of the best conservation parks in the area—Fifty Point—and two marinas within miles of each other.

Who’s buying property in Winona, Stoney Creek?

I find a lot of professional couples and families are moving here from the city. People move here to escape the rat race. It feels safer, it’s slower-paced, and you can spend more time with your children & family. Kids have so many outside activities—you should see it when soccer starts up, it’s packed with kids socializing and riding bikes. Its a really good neighbourhood to raise a family.

What are Winona Stoney Creek’s biggest assets?

Definitely location. Winona, Stoney Creek is the gateway to everything. It’s a quick hop to the QEW, which takes you in every direction. You’re minutes from Burlington and an easy drive to Mississauga, Toronto and Niagara. There’s easy accessibility to the escarpment. We’re a hub, and that’s only going to get better with the new Costco has opened in 2019. Lets not forget about the new GoTrain that is expected to be expanded to Winona, Stoney Creek for 2024

How much does a home cost in Winona?

For resale, townhomes start in the $500,000 range and single detached-family homes start in the vicinity of $700,000 and up, especially if you want something newer. The market is hot. A subdivision will open and it’ll sell out overnight. My biggest recommendation is to register on the builder’s website so you’ll get the call first.

How would you rate the resale value of a home in Winona?

There is a great demand to live in Winona, Stoney Creek.  Geographically located right by Lake Ontario, makes this neighborhood a very desirable place to live and therefore has great resale value.

Where will you get the best deal for a home in Winona?

My top recommendation is to get on the list for a new development because you don’t have to compete with other buyers. When you’re buying a pre-construction single-family or townhouse, you’re paying what the builder has on the list. I find most of the first-time townhome buyers purchase new because they can’t handle being outbid all the time.

Top 10 Reasons Why ‘Winona, Stoney Creek’ Real Estate is a Good Buy for 2024 / 2025

In the rapidly evolving real estate market, finding the right place to invest is crucial. As we look towards 2024 and 2025, Winona in Stoney Creek is emerging as a top contender for homebuyers and investors alike. Nestled in the Niagara Peninsula, Winona offers a blend of suburban tranquility and urban convenience that makes it an attractive option for those looking to settle in or invest in Ontario. Here’s why Winona, Stoney Creek real estate is a smart buy for the coming years.

1. Affordability Compared to Nearby Markets

One of the biggest draws to Winona is its relative affordability compared to other parts of the Greater Toronto Area (GTA) and Hamilton. As real estate prices in Toronto and other nearby cities continue to soar, Winona presents a more accessible option without compromising on quality of life. Whether you’re a first-time homebuyer or an investor looking to maximize your returns, the lower price points in Winona make it an attractive option.

2. Growing Community and Development

Winona is part of a growing community within Stoney Creek, with continuous development and infrastructure improvements that are enhancing its appeal. The area has seen new residential developments, commercial spaces, and amenities that cater to a variety of lifestyles. As more people discover Winona, the demand for homes is expected to increase, driving up property values.

3. Proximity to Key Locations

Winona’s location is ideal for those who want to enjoy the perks of suburban living while staying connected to key urban centers. It’s conveniently located near the QEW, providing easy access to Hamilton, Niagara Falls, and Toronto. This makes it an excellent choice for commuters and those who want to enjoy the best of both worlds.

4. Family-Friendly Environment

For families, Winona offers an environment that is hard to beat. The area is known for its excellent schools, parks, and family-oriented activities. The proximity to nature, including Lake Ontario and the nearby Niagara Escarpment, provides ample opportunities for outdoor recreation. Additionally, Winona’s quiet streets and safe neighborhoods make it a great place to raise children.

5. Future Growth Potential

Real estate is not just about the present; it’s about future potential. Winona is poised for significant growth over the next few years. With ongoing development, increasing demand, and its strategic location, property values are likely to rise. Investing in Winona now means you could see substantial returns in the future, whether through property appreciation or rental income.

6. Rich Local Culture and Community

Winona boasts a rich local culture that is deeply rooted in the Niagara region’s history. The community is known for events like the annual Winona Peach Festival, which brings together residents and visitors for a celebration of local produce and crafts. This strong sense of community enhances the living experience and makes Winona not just a place to live, but a place to belong.

7. Investment Opportunities in Rental Properties

With its affordability, growing popularity, and proximity to educational institutions and employment hubs, Winona is becoming an increasingly popular choice for renters. This opens up opportunities for real estate investors to tap into the rental market. Whether you’re considering short-term rentals for tourists exploring the Niagara region or long-term leases, the rental demand in Winona is expected to grow.

8. Quality of Life

The quality of life in Winona is exceptional, making it a desirable place to live. Residents enjoy a slower pace of life compared to the bustling cities, with easy access to nature, local wineries, and the waterfront. The area’s peaceful ambiance, combined with its accessibility, makes it an ideal place for those looking to escape the city’s hustle while still being close to urban amenities.

9. Strong Community Planning and Infrastructure

Stoney Creek, including Winona, benefits from strong community planning and infrastructure development. The local government has been proactive in ensuring that the area’s growth is sustainable, with investments in roads, public services, and community facilities. This forward-thinking approach ensures that Winona will continue to thrive as a residential and investment destination.

10. Appealing to a Diverse Range of Buyers

Winona appeals to a diverse range of buyers, from young professionals and growing families to retirees and investors. The variety of housing options, from single-family homes to modern townhouses, means there is something for everyone. This diversity also contributes to a vibrant and dynamic community, where different age groups and backgrounds come together.

Conclusion

As we move into 2024 and 2025, Winona, Stoney Creek stands out as a promising location for real estate investment. With its affordability, growth potential, and high quality of life, Winona offers a compelling case for buyers looking to make a smart investment in Ontario’s real estate market. Whether you’re seeking a family home, an investment property, or a peaceful place to retire, Winona has something to offer. Now is the time to explore the opportunities that this hidden gem has to offer.

CLICK HERE TO VIEW CURRENT HOMES FOR SALE IN WINONA Stoney Creek

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