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13158 Tecumseh Rd. East Tecumseh, ON N8N 2M1 Cell: 519-999-5478
Fax: 519-735-7822
Toll-Free: 1-888-847-5931
Work Phone: (519)735-7222
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35 Years PLUS Experience....We know Real Estate.....Let Us Help You



 Hardworking, Tough Negotiator

Annette 519-999-5478 Caitlynn 519-992-8717



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1411-15 BRUCE AVE, WINDSOR ONTARIO Central $579,900 CAD 2 Storey Residential
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1549 LANGLOIS Central $249,900 CAD Bungalow Residential
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262 Starwood Lane 05 St. Clair Beach $4,475,000 CAD 5,000 sq. ft."Plus Fully Finished lower Level" 2 Storey "Maintenance free exterior" Residential
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5873 5th concession S Malden Centre $1,250,000 CAD 2,384 sq. ft. 2 Storey Farm and Ranch
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Lot 13 Villa Canal DR, Suite 2470 Sq Ft Kingsville $799,900 CAD 2,470 sq. ft. 2 Storey Residential
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12682 LANOUE STREET 21017858 Tecumseh $599,900 CAD 2 Story Residential
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468 Rosedale University of Windsor $449,900 CAD 1 3/4 Story Residential
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40 Adams Lane, Suite 205 Front Road $409,900 CAD 1,100 sq. ft. Single Story Residential
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3115 Radisson 08 West Grand $399,900 CAD 1,900 sq. ft. 1 1/2 Story Residential
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1672 Marentette Central $289,900 CAD 2 Storey Residential
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482 CAROLINE 21005735 Downtown $289,000 CAD Single Story Residential
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witlock, lasalle 21014275 LaSalle $279,900 CAD Single Story Residential
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53 Victor St. Essex Central $279,900 CAD Bungalow Residential
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The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by The Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA. The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA.


ANNETTE 519-999-5478    CAITLYNN 519-992-8717

Your Source For Windsor Essex County Real Estate


Windsor, Tecumseh, Lakeshore, Belle River, LaSalle, Essex, Puce, Emeryville...

And Everything In Between!


We Work For You!

We work hard to provide our clients with the most positive real estate experience possible. A vital part of today's real estate industry is technology, and to that end we provide our clients with state-of-the art marketing and web tools. It's just one of the many things that has made us one of the most respected real estate agents in our service area!

Annette O'Neil and Caitlynn O'Neil Realtors®

Thinking About Moving?

This is your biggest investment, don't leave it to chance

Call me and I can go over my e-book that I have written just for YOU the Seller

Full of great tips and ideas to get you top dollar for you home

Why? Because I am a home owner as well and when I am ready to sell I will want top dollar for my home as well



BUYERS - HOW I WORK..Knowing that your time is valuable....

One of the most important steps you can take as a prospective buyer is getting pre-qualified with a lender.  Knowing your price range and down payment amounts postions you as a credible buyer in the eyes of a Seller and gives you negotiating power.  Then when we find "the one" you will be ready to make an offer knowing that financing the sale is not a problem.

Together we will pursue the step by step process towards a succcessful transaction by finding the best location, the price you need, the financing you want, and the time frame you desire.  By researching the comparable properties as well as the recently sold homes I will help you make a wise buying decision.


After the offer is made and accepted then the conditions must be fulfilled.  The offer will be sent to your Mortgage broker for final approval.  The home inspection will be conducted and reviewed.  Home insurance will be lined up.  Final Removal of Conditions will be executed and the deal sent to your lawyer for the closing process.  I will stay connected with you along the way answering any questions you still may have.  Closing day arrives and you are handed the keys to your new home! 


Looking for a home Search the link below

If you find a house or have any questions please feel free to contact me to view..

.Thank you Annette 519-999-5478










How Much Will Buying/Selling a Home Cost?


The purchase price you negotiate when buying or selling a home is just one part of the ultimate cost for a home. In addition to the purchase price there are a number of other fees—known as closing fees—that need to be factored in to any purchase or sale price. To help you plan the purchase or sale of your property, here’s a snapshot of the extra fees you can expect to pay out of pocket once you’ve settled on the home sale price.

Buyer’s Closing Costs

→ Land Transfer Tax

Most provinces and some major cities impose a land transfer tax that is calculated as a percentage of the home’s purchase price. The formula varies from province to province (and from city to city) so it’s best to use an online calculator. For this example, we’ll assume the purchase of a $250,000 home in Windsor, Ontario. Based on the calculator, a buyer would have to pay a provincial land transfer tax that equates to $2,225. If, however, you were a first-time home buyer, you’d get $2,225 in rebates on those fees.

→ Mortgage Costs

Most banks won’t charge a fee to set-up a mortgage or to do a mortgage-related appraisal, but some still do. If your bank does charge you, expect to pay between $250 and $500 for a mortgage-related appraisal. Also, if you’re putting less than 20% down on the home you’re buying, you will need to pay mortgage default insurance—and the less money you use to purchase the home, the more money you’ll be charged in default insurance fees. To help you calculate here is the sliding scale fee charged by Canada Mortgage Housing Corporation and Genworth—the two largest mortgage default loan insurance providers.

80% to 85% of purchase price: 1.80% of mortgage + HST

85% to 90% of purchase price: 2.40% of mortgage + HST

90% to 95% of purchase price: 3.60% of mortgage + HST

over 95%: 3.85% of purchase price + HST

Keep in mind, too, that mortgage default insurance fees will also be charged on amortization that is longer than 25 years, even if you put more than 20% down on a home. According to one mortgage broker, for every extra five years (above 25 year amortization), the premium increases by 0.2%. Also, some high-risk borrowers, such as self-employed or those with large debt loads, may end up being charged a mortgage broker fee—a finder’s fee that can add an extra $1,000 up to $9,000 on your mortgage closing costs.


→ Adjustment Costs

Once a sale is finalized, your lawyer will need to calculate the adjustment costs. These are costs the seller prepaid and can include property taxes, utility bills, heating oil, lawn care or property maintenance services as well as other annual contracts. For metered services, such as hydro, gas or water, the meters are read on closing day (the day the house changes ownership), to verify down to the last cent what the seller and buyer owes. For other annual charges, an adjustment—which looks like a credit—is given to the seller, meaning they will get reimbursed for the expenses they have already paid to maintain the home.

→ Home Insurance

If you’re buying a home and getting a mortgage, you will be required to get home insurance coverage. While the cost varies widely depending on the home you buy, where it’s located and the type of coverage you require, expect to pay at least $800 per year for coverage.

→ Legal Costs

A lawyer will do a series of searches and generate a slew of documents when processing a home sale transaction. This includes: a title search (which verifies that a seller legally owns the property and searches utility and tax departments to make sure there are no liens against the property), registering the title deed and mortgage, where applicable septic tank and potable water searches. In most cases, lawyers will charge anywhere from $500 to $1,500 for this portion of the work. But on top of these fees there are also disbursement costs, fax/phone and mail costs and other costs of doing business.

→ Title Insurance

While title insurance is not mandatory it is a very good idea. It protects you against mortgage fraud, identity theft and forgery and can protect you against fees and costs that were not caught in the searches your lawyer conducted prior to the sale (and this happens!).  Most real estate lawyers today regard title insurance as a critical component of the transaction and will usually not close a purchase without it.  The typical cost is about $300 - $500 on a $500,000 home.

Seller’s Closing Costs

→ Realtor’s Commission

The biggest fee sellers will have to pay are the commission fees of the realtors involved with the sale of the property. Generally speaking, the total commission cost is 6%—3% for each agent (although, this split is different in the province of B.C.). That said, you can always try and negotiate a lower commission rate, but this needs to be agreed upon prior to the listing and sale of your home. Remember, too, that HST is added to these fees.

→ Lawyer’s Fees

You will need a lawyer to discharge the title for the property and the mortgage and to verify that all prepaid expenses are returned to you and that utility and other services are up to date in payments. Expect to pay $500 to $1,500 for an uncomplicated transaction (although, most lawyers charge less for a sale than a purchase), plus disbursements.

→ Mortgage Discharge

If you ended your mortgage—known as a "closed" mortgage—before you mortgage matures you will need to pay penalties and discharge fees. For a variable rate mortgage, the penalties equate to three months worth of mortgage payments, plus a discharge fee of $200 to $600, depending on the lender. For a fixed rate mortgage, the penalties can be much, much higher so it’s a good idea to call your lender and ask what you will need to pay to break your mortgage. Keep in mind, if you’re looking at a high penalty to break your mortgage you may be able to transfer it to a new property for a significantly smaller fee.


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