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New property listed in Zone 35, Edmonton

I have listed a new property at 110 13635 34 ST in Edmonton. See details here

Welcome to Chelsea Greene, an adult living & pet-friendly building conveniently located near key amenities, including green spaces, shopping, schools, and transit. Belmont town centre is a short 5-minute walk, offering numerous services. This 925 sq. ft. ground-floor suite features 2 beds, 2 baths, in-suite laundry (replaced a few years ago), a fresh coat of neutral paint, and a covered balcony equipped with natural gas hookup (includes BBQ). Property includes two titled parking stalls: one heated underground with a secure storage locker, and an energized surface stall located directly in front of the entrance. The primary suite is generously sized (10'9 x 18'4) and easily accommodates a king-size bed. It also includes a large walk-in closet and a private 3 piece ensuite. Kitchen includes plenty of cabinetry, backsplash, prep island, water filtration tap and leads into the bright open concept living area. Pride of ownership is evident, condo fee includes water and heat! Immediate possession available.

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New property listed in Zone 08, Edmonton

I have listed a new property at 1 10812 115 ST in Edmonton. See details here

Take advantage of this fantastic opportunity to own a well-maintained main floor corner suite. This property features an open-concept floor plan with large vinyl windows that welcome in plenty of natural light. You will appreciate the generous countertop space, raised breakfast bar, and large pantry/storage closet. Throughout the suite, you will find ceramic tile and new vinyl plank flooring, along with fresh carpeting in the spacious primary bedroom. It includes one outdoor parking stall with a plug-in, as well as ample street parking. The building has been exceptionally maintained over the years and has a healthy reserve fund. Numerous building upgrades over the past decade including new mechanical, roof, flooring in common areas and more. The quiet location is ideal, just minutes away from Grant MacEwan, Royal Alexandra Hospital, Kingsway Mall, the Ice District, NAIT, and more. Ready for immediate possession and is ideal for any investor or first time buyer. Don't delay!

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New property listed in Sherwood Park, Sherwood Park

I have listed a new property at 45 Carlyle CRES in Sherwood Park. See details here

Welcome to 45 Carlyle Crescent in neighborly Lakeland Ridge. Wonderfully cared for half duplex with DOUBLE PRIMARY BEDROOMS, perfect for young families or couples looking to rent out a room. Both upper floor bedrooms are plenty large enough for a king bed, plus furniture, with walk in closets and separate ensuite bathrooms. Making life even more convenient is the central A/C and upper level laundry. Main floor is always sunny complimenting the bright, spacious kitchen & dinning room. A cozy corner fireplace and a wonderful low maintenance deck are perfect for family gatherings and entertaining. Backyard is fully fenced with a storage shed and also has a patio area for your fire pit. You will appreciate the finished basement complete with a 3rd bedroom, 3 piece bathroom & storage. Move in READY. Walking distance to schools and parks. ** New hot water tank 2023

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I have listed a new property at 404 100 Foxhaven DR in Sherwood Park. See details here

Suite #404 in the Grande Foxhaven offers breathtaking views of the lake from the top floor; the best in the building! Each room offers a beautiful view and is so bright with large vinyl windows. Relax on the spacious west-facing balcony and enjoy the sunsets. The balcony also features a BBQ gas line. This spacious 2-bedroom, 2-bath layout includes a large laundry room, in-suite storage, and a generously sized owner's suite with walk-in closet + private ensuite. Lots of updates! Brand NEW vinyl plank flooring throughout, quartz countertops in the kitchen and baths, full tile backsplash, roll-out pantry shelves, plumbing fixtures, LED lighting, and appliances! This unit also comes with 2 titled + heated underground parking stalls, one of which is oversized and includes a storage cage for added convenience. The building offers plenty of amenities for adult living, including a social room, pool table, ping pong, exercise room, and library. Direct access to walking trails and close to all amenities. 10/10!

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New property listed in Zone 56, Edmonton

I have listed a new property at 15935 13 AVE in Edmonton. See details here

The one you've been waiting for! This home is in exceptional condition, for sale by the original owner. Built by Landmark homes in the highly desirable SW Community of Glenridding. Only minutes to shopping, dining & entertainment at the Currents of Windermere PLUS the Anthony Henday, schools, parks, playgrounds and transit. Spacious open concept main floor with a den located at the front of the home. The home is so bright with lots of windows and LED pot lighting. Gorgeous kitchen with granite counters, tile backsplash, stainless appliances and corner pantry. Upstairs you'll find a large primary bedroom with private ensuite that has fully tiled shower, soaker bathtub and walk in closet. You'll love the convenience of upstairs laundry! Key features include hot water on demand, double detached garage, smart thermostat, HRV system and window coverings throughout. Enjoy the South backyard which is fully fenced and includes a deck. Basement has rough-in plumbing for future washroom. Shows 10/10 - Turn key!

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New property listed in Fort Saskatchewan, Fort Saskatchewan

I have listed a new property at 5 Greenfield WYND W in Fort Saskatchewan. See details here

Fantastic opportunity to construct your dream home on a prime lot in Southfort Estates with a southwest-facing backyard. Situated in a fully developed area, surrounded by beautifully maintained and impressive properties on all sides. The advantage of being surrounded by established homes is that you enjoy the perks of a brand-new home without having to endure construction noise, debris, and the lengthy waiting period for the area to feel complete. The community is already fully established and all it needs now is YOU! Dimensions of the lot are 1564.9 m2 or 16844.5 sq. ft. with a 65.8 x 130.9 foot building pocket. Plot plan is available. Additional perks are having the majority of the fencing already complete and being within walking distance of numerous trails, parks, playgrounds, Dow Recreational centre and a high school. Minutes from all conveniences including grocery, dining and big box stores. Fort Saskatchewan has so much to offer; Drive by and envision all the possibilities for yourself!

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New property listed in Sherwood Park, Sherwood Park

I have listed a new property at 26 49 Colwill BLVD in Sherwood Park. See details here

The one you've been waiting for! Exterior has been completely upgraded to include new triple pane windows, vinyl siding, exterior doors, asphalt shingles PLUS a maintenance free composite deck! Even the hot water tank and furnace have been replaced! Enjoy over 1800 sq.ft of developed living space in this 3 bedroom, 3 bathroom bungalow with main floor laundry and fully finished double garage with water faucet - great for cleaning your vehicle off! The home is so bright with plenty of windows, complimented by top/down Hunter Douglas window coverings to control light and privacy. Hardwood and tile flooring extend throughout the majority of the main floor living spaces and the owners suite has its own 4 piece ensuite + dual closets. Basement features large rec room, corner fireplace, bedroom, 3 piece bath & storage! Great location close to all amenities, green spaces and Bev Facey High School. Condo maintains snow removal and landscaping with plenty of visitor parking. Immaculately maintained, Shows 10/10!

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New property listed in Zone 22, Edmonton

I have listed a new property at 9010 152 ST NW in Edmonton. See details here

Nestled in the mature community of Jasper Park, you'll find this 807-square-foot bungalow with schools, playgrounds, parks, and shopping nearby. This home has 3 bedrooms, 1 bathroom, a kitchen with separate dining space, a spacious main floor living room, and basement rec space. Enjoy the convenience of main floor laundry located in the large back entry, and take advantage of the oversized double detached garage. Recent updates include new shingles and a high-efficiency furnace. The property has vinyl-style windows with privacy shutters, creating a bright interior. Access to the Whitemud is just minutes from the front steps, making for easy commutes around the city. There's plenty of revitalization happening in the area, including infill properties and the city's ongoing area redevelopment plan, so don't miss your chance to check out this property for yourself. The property is 33 feet wide by 147 feet long, totaling 453 square meters. It's a property with plenty to offer at an exceptional price.

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New property listed in Sherwood Park, Sherwood Park

I have listed a new property at 1032 Adamson CRES in Sherwood Park. See details here

This 1/4 acre pie-shaped lot is a true paradise and gardeners dream! The mature landscaping features a variety of shrubs, perennials, and towering trees, providing ample privacy and a tranquil atmosphere. The property includes a boardwalk, pond, patio, vegetable garden, greenhouse, and underground irrigation system. Additionally, there's a 12'x15' gazebo with vinyl windows and insect screens + oversized double detached garage with a workshop. It's a dream lot that comes with a lovely house! With over 2070 sq. ft. of total developed living space, the interior is wonderfully maintained, and has seen recent upgrades including triple-pane windows (main+upper), central A/C, high-efficiency furnace, hot water tank, gemstone exterior soffit lighting, and more! The bright kitchen features extended cabinetry, tile backsplash, a raised eating bar, and gas stove, all complemented with hardwood flooring. Additional features such as a programmable smart thermostat and gas fireplace make this home a must-see. 10/10!

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New property listed in Zone 08, Edmonton

I have listed a new property at 1 10812 115 ST in Edmonton. See details here

Check out this fantastic opportunity to own a home for under $1,100 a month! This well-maintained, main floor corner suite offers an open concept floor plan with large vinyl windows that allow plenty of natural light. You'll appreciate the generous counter space, raised breakfast bar, and large pantry/storage closet. The suite features ceramic tile and vinyl plank flooring throughout, as well as fresh carpeting in the spacious primary bedroom. Plus, this suite is conveniently located next to the laundry room with no neighbours for added privacy. The building has been exceptionally maintained over the years and is both pet and smoke-free. It includes one outdoor parking stall with a plug-in, as well as ample street parking. The quiet location is ideal, being just minutes away from Grant MacEwan, Royal Alex Hospital, Kingsway Mall, Ice District, NAIT, and more. This suite is bright, clean, and ready for immediate possession! *Payment based on 4.84% interest rate, 5% down, subject to change.

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Do you know the score? Your credit score that is.

Have you checked your credit score lately?  Since all credit scores range between 300 & 900 points, with a number between 660 and 750 considered to be “Good”, and 760 or higher rated as “Excellent”.  It’s important to know where your number is rated and how you can potentially achieve a top score.

Quite simply, building a great credit score begins with understanding the 5 W’s that impact your personal number. 

Who decides your credit score? 

  • The numbers are generated by two reporting companies, Equifax and TransUnion. Each credit bureau uses its algorithm to score your performance based on its specific indicators and your recorded history of borrowing and repaying creditors on time. Therefore, your credit score can be marginally different between the two companies. While it doesn’t happen often, errors and omissions can occur.  By reviewing your report with both agencies, you’ll have the opportunity to address any information that was considered in their scoring process. 

What determines my credit overall score?  

  • 30% Rule of Credit Utilization – this is the amount of available credit on your credit cards and other lines of credit vs how much you owe. You want to keep that number below 30%, in general, a lower utilization rate is best

  • Payment History (includes repayment schedules, public records, and foreclosures)

  • Number of years your credit accounts have been open and active (the longer the better)

  • Frequency of Inquiries made to open credit accounts (avoid multiple credit applications within a short period as this negatively affects your score) This does not apply when shopping for a mortgage

  • Variety of credit options you manage; Revolving credit (ie: credit cards, lines of credit), Installment loans (ie: a car loan), and Mortgages.

When to use credit? To establish a good credit score it’s important to use a variety of credit options. 

  • “Installment loans” allow you to repay the creditor over a specific length of time and may include an interest component. (ie: car loan)

  • “Buy now, pay later offers” provide a specific time frame for the total amount of the purchase to be repaid and are generally Interest-Free. This form of credit requires the total purchase amount to be fully paid before a pre-set date, otherwise, interest will be incurred for the entire purchase amount for the term of the agreement.  (ie: The Brick/Leons and box store cards such as Home Depot)

  • “Revolving credit accounts” include Credit cards or personal lines of credit. These provide the option to repay a pre-calculated minimum based on the total owing within a set billing cycle. However, while the option of making a minimum payment is available, it is always best practice to pay the total account balance each month to avoid high-interest charges. Carrying outstanding balances for a long period while paying only the interest or minimum payments, or going over your credit limit, negatively impacts your credit score.

  • “Service Credit” is established when accounts are opened to pay for monthly services (ie: cell phone & internet)

  • Mortgages

Where do I find my credit report?

Why is my credit score important?

  • It matters because your credit score says a lot about you and it can either positively, or negatively, affect your business relationships with potential lenders like banks, home and auto Insurance companies, retailers, and even landlords.  A high credit score tells them that you’re very good at paying back your bills/debts on time and establishes you as a “reliable” borrower they’ll want to work with. While a lower score indicates you may be in a “high-risk” relationship, which is one they’ll be more likely to avoid.

To sum it up, building a great credit score takes time.  It requires excellent budgeting habits that allow you to consistently manage multiple creditors, stay within the 30% rule, and repay your debts as arranged with specific lenders. 

Once achieved, a top credit score will not only encourage businesses and lenders to work with you, but to offer you their best products and interest rates as well.

Sincerely,

The Rosts

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New property listed in Zone 55, Edmonton

I have listed a new property at 512 11080 Ellerslie RD in Edmonton. See details here

2 bedroom, 2 bath unit with underground titled parking stall! Concrete and steel construction offers lasting value and great sound proofing between units. This building has it all with an exercise room, guest suite, rooftop patios and rec room with a billiards table. Great location within walking distance to amenities off Ellerslie road including grocery, banks, medical buildings, dining and more. Close proximity to ETS transit, the Anthony henday and walking distance to the trails in Blackmud creek. Extended cabinetry to the ceiling, granite counters, full height tile backsplash with crown molding and seating at the breakfast bar. Hardwood floors extend through kitchen and living room. Both washrooms feature granite counters and fully tiled shower walls. Plenty of light enters the property through the full height windows in the living room which also allows access to the balcony. Enjoy the convenience of in-suite laundry.

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New property listed in Rural Sturgeon County, Rural Sturgeon County

I have listed a new property at 81 Flynn WAY in Rural Sturgeon County. See details here

Executive bungalow in Summerbrook Estates that has been lovingly maintained by original owners. Situated on private .97 acre corner lot, minutes to St. Albert. Enjoy country living with the convenience of being tied into municipal sewer and water! Bright & spacious 1800 Sq.Ft. main floor. Large entry way highlighted with French doors that open into living room. Massive driveway with oversized double attached garage (21'8 X 23'3W) provides plenty of room for recreational toys. Energy efficient triple pane windows + HE furnace. Shingles replaced in 2020. Cozy family room with wood fireplace. Gorgeous stone patio and refinished deck offer a great spot to enjoy the beautiful yard. Brand new kitchen includes soft closing cabinets, quartz counters & full tile backsplash. All bathrooms have been renovated with fully tiled showers, new vanities & quartz counters. Basement was just professionally finished and offers large rec space, den/workout space, 1 bedroom, full bath and craft/workshop area. Welcome home!

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