Small issue - but one that could be impactful in the future whereby the chain of title could be broken if parties are not around anymore to issue affidavits to the error.

So I guess overall, my question is can you help me align my expectations with what I am finding, is this a case of "yeah, the market is weird right now, this is typical, you have to make a decision" or...

If that is the case, to understand this you have to look at the previous year's taxes for valuation - especially what the taxable value was for the prior owner.I suspect this is very much a first time buyer's issue - where you weren't expecting the increase, but typically there is an increase to market value.  

It’s a great moment to explore what's out there, weigh options, and go for the best fit.For sellers, a slower pace might mean adjusting expectations, but the demand remains steady.

For example my simple spruce up would be, renno bathroom, and kitchen, paint, and redo carpet upstairs.But if i think real deep into what I could do to make it a STUNNER then I think, knock down walls, create more open/broken floor plan, add central air, possibly do an addition to add a 3rd bedroom and second bath.So when you could do ANYTHING .. how do you draw the line of what you should do?

One thing to be careful with is the last 3 years have been atypical for the Calgary market, it's been a good run, but don't expect these kinds of returns long term.

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It's one of those things that you just have to keep on keepin on because at the end of the day, it only takes one seller to change your life.I wasn't expecting to hear from anyone until I sent out letters for a year.  

You should usually expect an appraiser assigned to any file to be in touch within 24-72 hours max. 3 weeks you’ve been waiting to get contacted for appraiser is too long for refi, something seems off?

Broken concrete and curbs on every other home?