Annette O'Neil
13158 Tecumseh Rd. East Tecumseh, ON N8N 2M1
Phone: (519)735-7222 Mobile: 519-999-5478 Fax: 519-735-7822 Email Annette

I Want to be Your Realtor for Life...Someone You Can Always Trust


 

My Mission Statement

My goal is to consistently exceed all customer expectations by never losing sight that it is my honesty, loyalty, integrity, understanding, accountability and creativity which sets me apart in this industry.  To this end I shall work for each of my clients.  Annette O'Neil

 

RECENT TESTIMONIALS

Selling your home is a huge under taking, my husband and I had been trying to sell  privately for about  8 weeks when I received a call from Annette.  She was friendly, cheerful, confident, optimistic, complementary of our home and asked if we could meet. 
 
Annette has years of experience in the real-state business, but it was her passion and confidence that sold me.  She was knowledgeable, factual, and so optimistic that our home was worth top dollar and  was certain she would be able sell it.   After interviewing 5 top agents in this area , my husband and I both agreed Annette O`Neil was the best!!
 
Annette went so far above and beyond during the time we were listed, for example ; coming to my house to take my dog for a walk while an agent was showing the home, following up after every showing with feedback, constant communication and many pep talks that our home will sell!!!  Two and a half weeks after listing with Annette, we received an offer, less than 3 weeks after listing,  our home was SOLD for just shy of list price!!!!
 
Our only regret.......................................not listing with Annette sooner!!!!  She is awesome, you will love her, she will sell your home !!!!  Thanks Annette !!!
 

Maria & Saide Eid

 

I would like to take this opportunity to acknowledge a job extremely well done by one of your agents, Annette O'Neil. We recently bought a home in Belle River, and Mrs. O'Neil was our sales agent. We were impressed with the honesty and integrity in which Annette conducted herself throughout the sales process. 
She had our best interest at heart, and was there for us twenty-four hours a day to answer any and all questions we had.  Annette was instrumental in finding and showing us properties which met our every criteria. Her knowledge of the real estate market and process involved, made each step of the transaction that much easier. Annette's patience and demeanor were greatly appreciated. 

As my wife and I are retiring from Petawawa, Ontario to the Lakeshore area, Annette maintained contact with us throughout the weeks before, leading up to our house hunting trip. We are 100% satisfied with the home we purchased and we would like to take the opportunity to bring to lite an outstanding member of your team.  In the future we would never hesitate to recommend or hire Annette again for any real estate needs. 
Thank you for your time, Jim and Robin Williams

 

 

Great Homes Featured Listings


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457 Elmstead Road, Tecumseh


Incredible opportunity to own this one of a kind property featuring 4.6 acres, 5,600 sq. ft custom finished living space in this unique full Brick Ranch home with walk-out style basement plus a 34 x 66 feet Shop with heat & hydro

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LOOKING FOR A HOME? CALL ME I CAN HELP!


519.999.5478

I CAN WORK WITH YOU TO HELP YOU FIND YOUR PERFECT HOME..FOR AS LONG AS IT TAKES!


 
24 photos
$84,990 CAD
Style Single Story
Type Residential
29 photos

1096 Goyeau St, Downtown (03)

"Doctors offices across from Hospital"
$1,699,000 CAD
"Just posted"
Style Single Story
Type Commercial
20 photos

3560 WALKER, Walkergate Estates

"TURN KEY READY RESTAURANT"
$1,299,000 CAD
"AMAZING INVESTMENT!"
Style Single Story
Type Commercial
29 photos
$1,250,000 CAD
Style Ranch
Type Residential
30 photos
$999,999 CAD
Style Single Story
Type Residential
20 photos
$908,900 CAD
"Excellent self sustaining income property!"
Style Single Story
Type Residential
26 photos

200 RAFHI, Emeryville ( 18000197)

"EXCLUSIVE RUSSELL WOODS AREA!"
$699,900 CAD
"GORGEOUS NEW MODEL HOME! "
Style 2 Storey
Type Residential
36 photos

1430 Front, Amherst Pointe (10)

"Well know land mark restaurant"
$599,900 CAD
"Priced Reduced"
Style Commercial
Type Commercial
3 photos

3796 VICTORIA, Victoria  (1802404)

"EXCLUSIVE NEIGHBOURHOOD!"
$549,900 CAD
"LAST CHANCE TP BUILD!"
Style 2 1/2 Story
Type Residential
30 photos

9099 Riverside Dr. E., Suite 1409, Riverside

"Beautiful Waterfront views!"
$549,900 CAD
"Penthouse Condo!"
Style Other
Type Condominium
33 photos
$509,900 CAD
Style Bi-Level
Type Residential
33 photos
$509,900 CAD
Style Bi-Level
Type Residential
26 photos

947 Lounsborough, Cabana West

"LARGE CUSTOM HOME!!"
$499,900 CAD
"ABSOLUTE MOVE IN READY!"
Style Bi-Level
Type Residential
32 photos

2445 Lambton, South Windsor

"Large 2 Sty Home in South Windsor"
$499,900 CAD
Style 2 Storey
Type Residential
1 photos
(New Construction)

295 Welsh, Kingsbridge South

"Under Construction"
$469,900 CAD
Style Bi-Level
Type 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.


30 Years PLUS Experience....I know Real Estate.....Let Me Help You

TRUST, KNOWLEDGE, HONESTY

ANNETTE O'NEIL

 Hardworking, Tough Negotiator

519-999-5478

annetteoneil@royallepage.ca


CALL ME AT 519-999-5478..I WOULD LOVE TO HEAR FROM YOU!


 

Your Source For Windsor Essex County Real Estate

 

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

And Everything In Between!

 

I Work For You!

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

Annette O'Neil, Realtor®


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! 

 

 


NEED HELP FINDING OUT WHICH SCHOOL YOUR CHILD WILL ATTEND IN YOUR NEW HOME?

FOLLOW THE LINK BELOW

https://geoquery.buskids.ca/Eligibility.aspx?Page=School

 

 

CLOSING COST BREAKDOWN

 

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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