Market Updates • 10 October 2025

Bruce County Housing Market Update | September 2025

by Susan Moffat

The Bruce County housing market continues to show its own unique trends as we move through 2025. Whether you’re considering buying, selling, or simply keeping an eye on local real estate, staying informed about the latest numbers is key.

In this update, we’ll break down the September 2025 housing market stats for Arran-Elderslie, Brockton, Huron-Kinloss, Kincardine, Northern Bruce Peninsula, Saugeen Shores, South Bruce, and South Bruce Peninsula. From sales activity to price changes, this snapshot will give you a clear picture of how the market is performing across our region.

Thinking about your next move? Contact me for a free, no-obligation consultation, personalized advice for buyers and sellers, and complimentary property valuations. Let’s talk about your goals and make your real estate journey a success!

Bruce County Housing Market Update for September 2025

Board & Association Information

OnePoint Association of REALTORS® serves as a unified body representing almost 3,000 real estate professionals across the regions of Huron, Perth, Grey, Bruce, Wellington, Georgian Bay, Simcoe, Parry Sound, Haliburton and Muskoka.

Wondering how these numbers might impact your real estate plans? Whether you’re buying, selling, or just curious about market trends, I’ve got you covered! Let’s navigate the market together! Contact me for a complimentary, no-obligation property valuation or buyer consultation!

For more information, contact:

Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage

519.377.5154

susan.moffat@c21.ca

Market Updates • 10 October 2025

Grey County Housing Market Update | September 2025

by Susan Moffat

The Grey County real estate market continues to reflect dynamic shifts as we move through 2025. Whether you’re planning to buy, sell, or simply keep up with the latest local trends, having the right information is key to making confident decisions.

In this update, we’ll take a closer look at the September 2025 housing market stats for The Blue Mountains, Chatsworth, Georgian Bluffs, Grey Highlands, Hanover, Meaford, Owen Sound, Southgate, and West Grey. From home prices to sales activity, this snapshot will help you see how each community is performing in today’s market.

Grey County Housing Market Update for September 2025

Board & Association Information

For more information, contact:

Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage

519.377.5154

susan.moffat@c21.ca

Homeownership • 8 October 2025

5 Home Maintenance Tips Every New Homeowner Should Know

by Susan Moffat

Buying a home is an exciting milestone but it also comes with a long list of responsibilities. Unlike renting, there’s no landlord to call when something breaks or routine upkeep is needed. Whether your home is brand new, recently renovated, or a charming older property, knowing how to stay on top of maintenance will protect your investment and keep daily life running smoothly. Here are five home maintenance tips every new homeowner should have on their checklist:

Learn the Basics of Your Home’s Systems

As soon as you move in, get to know how your home functions — from the electrical panel to the main water shut-off valve. If an emergency happens, like a burst pipe or power outage, knowing these locations can save you stress and costly damage. This knowledge will make you feel more confident when handling unexpected issues.

Label circuit breakers clearly.
Test smoke and carbon monoxide detectors.
Learn how to reset your furnace, water heater, or breaker box.

Prioritize Seasonal Maintenance

Every season brings its own to-do list, but tackling small tasks regularly prevents bigger (and more expensive) problems later. Make a calendar to remind yourself of key chores, or hire professionals when necessary. For example:

Spring: Clean gutters, check for winter roof damage, and service your HVAC system.
Summer: Inspect outdoor decks, siding, and windows; trim trees away from the home.
Fall: Rake leaves, winterize outdoor faucets, and schedule a furnace tune-up.
Winter: Watch for ice dams and keep pathways clear of snow to prevent slips.

Build a Basic Tool Kit

You don’t need a full workshop, but a few essential tools will help you handle minor repairs confidently. A hammer, screwdriver set, wrench, pliers, measuring tape, stud finder, and power drill should cover most small projects. As you grow more comfortable, you can add to your collection. Having the right tools on hand makes it easier to stay proactive instead of putting off repairs.

Keep Up with Small Repairs

A squeaky hinge, leaky faucet, or loose railing might feel minor, but delaying small fixes can lead to bigger problems down the road. Regularly walk through your home and take note of things that need attention. Whether it’s patching a bit of drywall or replacing a worn weatherstrip, small repairs not only protect your home but also improve comfort and energy efficiency.

Track Your Home’s Maintenance and Upgrades

Keep a dedicated binder or digital folder to store receipts, warranties, and service records, along with notes on when maintenance was last completed. This makes it easier to budget for future expenses, schedule routine services, and prove care if you ever sell your home.

Final Thoughts

Owning a home is all about consistency. The more proactive you are with maintenance, the fewer surprises you’ll face later. Start small, build good habits, and remember: caring for your home protects both your investment and your peace of mind.

Looking to buy, sell, or invest? As your REALTOR®, I’ll guide you every step of the way. Contact me today to schedule a free consultation and let’s turn your real estate dreams into reality!

For more information, contact:

Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca

Homeownership • 1 October 2025

Creating the Perfect Laundry Room

by Susan Moffat

A laundry room – if you are fortunate enough to have a dedicated one – is one of the most underrated yet important spaces in any home. While it may not be the first thing guests see, or the ultimate deal-breaker for buyers down the road, most homeowners spend hours each week in this space. That’s why it deserves thoughtful design that is not only functional but also pleasant to use.

If you’re looking to refresh or design your laundry room, here are some practical tips to keep in mind:

Focus on Appliance Placement

The washer and dryer are the heart of the laundry room, so plan your layout around them. Consider whether stacking them vertically makes sense for saving floor space, or if placing them side-by-side allows you to gain a counter surface above. For tighter spaces, there are compact, condo-sized machines that fit neatly into closets and still get the job done.

Maximize Storage & Organization

Laundry rooms often double as a utility closet, so smart storage is essential. Install cabinets or open shelving to keep detergents, linens, and cleaning supplies neatly tucked away. For tall items like brooms or ironing boards, hooks behind the door can be a simple solution. And don’t forget a designated spot for hampers, baskets, and buckets—think under-shelf storage or rolling bins.

Add a Functional Work Surface

Folding, sorting, and prepping clothes is much easier with counter space. Even in compact rooms, installing a countertop over side-by-side laundry machines can help. If you do a lot of air drying, consider adding a wall-mounted drying rack or a clothing rod for hangers.

Consider a Deep Utility Sink

Whether pre-soaking clothes, rinsing out mop buckets, or tackling messy household tasks, a deep sink is a major convenience. Pair it with cabinets underneath for extra storage of items like an iron, steamer, or cleaning products.

Optimize Your Floor Plan with Doors

In smaller laundry rooms, a traditional swinging door can eat up valuable space. Swapping it for a pocket door (or even a sliding barn door for style) can improve flow and make the room feel more open.

Choose Durable, Easy-to-Clean Finishes

This is a hardworking space, so your materials should be too. Non-porous countertops like quartz resist stains and heat. Melamine cabinet finishes are durable and budget-friendly. For floors, ceramic or porcelain tile offer excellent durability, while vinyl provides a more budget-conscious, water-resistant option.

Brighten the Room

Laundry rooms don’t always have natural light, so good lighting is essential. Bright task lighting overhead makes the space more functional, and painting walls in light, cheerful tones (like crisp white, soft blues, or even sunny yellow) can make the room feel bigger and more inviting.

Final Thoughts on Creating the Perfect Laundry Room

A well-designed laundry room may not be the first thing people think of when buying a home, but it’s a space that homeowners truly appreciate once they live there. Making this space functional, organized, and visually uplifting can add comfort and everyday value to your home—something that future buyers will definitely notice.

If you’re considering home improvements before selling or simply want to enjoy your home more, don’t overlook the laundry room. A few thoughtful upgrades can make this hardworking space a standout feature.

Looking to buy, sell, or invest? As your REALTOR®, I’ll guide you every step of the way. Contact me today to schedule a free consultation and let’s turn your real estate dreams into reality!

For more information, contact:

Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca

Buying a Farm in Grey & Bruce Counties • Farming Topics • 24 September 2025

Working Farms vs. Hobby Farms

by Susan Moffat

For many buyers seeking rural property, the dream might involve wide-open fields, fresh air, and the chance to live closer to the land. But when it comes to purchasing land with agricultural potential, one of the first questions to ask is whether you’re interested in a working farm or a hobby farm. The distinction matters—not only in terms of lifestyle, but also in property value, financing, taxes, and long-term goals.

What is a Working Farm?

A working farm is first and foremost a business. The land, outbuildings, and equipment are all dedicated to producing agricultural products for sale—whether that means crops, livestock, dairy, or specialty products like vineyards or orchards. Owners typically earn income from farm operations and may depend on that income for a living.

Key characteristics include:

Commercial activity: Products are grown or raised to sell at market, to distributors, or through direct-to-consumer models like farm stands.
Larger land tracts: Working farms typically need more acreage to sustain production.
Infrastructure: Facilities may include barns, irrigation systems, silos, greenhouses, livestock shelters, and heavy equipment.
Regulations and taxes: Working farms may qualify for agricultural tax exemptions, but they are also subject to compliance with agricultural zoning and regulatory requirements.
Time and labour commitment: Running a working farm requires significant day-to-day labor, expertise, and management.

For buyers considering this path, it’s important to approach the purchase as you would any other business investment. Detailed financial records, soil quality reports, and access to water all come into play.

What is a Hobby Farm?

A hobby farm, on the other hand, is more about lifestyle than livelihood. Hobby farmers may enjoy gardening, raising a few animals, or growing specialty crops, but they aren’t necessarily relying on those activities for their primary income.

Common traits of hobby farms include:

Recreational focus: Owners grow crops or tend animals for personal enjoyment, family use, or small-scale sales.
Smaller acreage: Hobby farms usually require less land than commercial operations.
Flexible operations: Buildings and infrastructure may be modest—such as small barns, chicken coops, or fenced garden areas.
Limited tax benefits: Hobby farms generally don’t qualify for commercial agricultural tax exemptions unless they generate enough revenue to meet provincial requirements.
Lifestyle appeal: For many buyers, owning a hobby farm provides the pleasure of rural living without the financial pressures of making it a business.

Choosing Which is Right for You

When weighing the decision between a working farm and a hobby farm, start with your goals:

Do you want your land to generate consistent income or primarily serve as a lifestyle choice?
How much land management experience do you have?
What level of time, labour, and resources are you prepared to commit?
Are tax advantages and zoning regulations important to you?

For buyers looking to test the waters, a hobby farm can often be a perfect entry point. For those with serious agricultural goals—or those already experienced in farming—a working farm can offer both income potential and a rewarding career path.

Final Thoughts on Grey Bruce Farms

Whether you’re searching for a productive agricultural operation or a quiet lifestyle retreat, understanding the difference between a working farm and a hobby farm will ensure you make a purchase that fits your long-term vision. As your real estate partner in Grey Bruce, I’m here to help you explore acreage properties that align with your goals whether that means income-producing farmland, or the perfect piece of countryside to enjoy at your own pace.

Looking to buy, sell, or invest? As your REALTOR®, I’ll guide you every step of the way. Contact me today to schedule a free consultation and let’s turn your real estate dreams into reality!

For more information, contact:

Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca

Market Updates • 17 September 2025

Bank of Canada Lowers Policy Rate to 2.5% | Sept 17, 2025

by Susan Moffat

Sept 17, 2025: Today, the Bank of Canada announced a 0.25% reduction in its overnight policy rate, now set at 2.5%. This is the Bank’s first cut since March of this year. For homebuyers, this could mean slightly lower borrowing costs — a welcome shift for those entering the fall market.

Key Points

The target overnight rate is now 2.5%; Bank Rate at 2.75%, deposit rate at 2.45%.
The Bank cited softer economic growth, higher unemployment (now 7.1%), and slowing wage growth as reasons for the decision.

What the Rate Cut Could Means for Canadians

Borrowing Costs: With the overnight rate at 2.5%, mortgage rates and lines of credit may see a modest decline, providing some relief to variable-rate borrowers.
Real Estate: Lower rates can stimulate home-buying activity by improving affordability, but local market factors and buyer sentiment will also play a part.
Business Outlook: The Bank hopes that cheaper credit will encourage investment and help support job growth as the economy works through trade headwinds and slower population growth.

Looking Ahead

Governing Council signalled they’ll stay the course with a cautious approach, closely watching how ongoing trade tensions and labour market developments play out. The next rate announcement is scheduled for October 29, 2025, along with their latest Monetary Policy Report.

Final Thoughts

For anyone considering a home purchase, refinancing, or business expansion, today’s rate cut could offer opportunities. However, as always, it’s important to get advice tailored to your financial situation before making big decisions.

Disclaimer: This blog is for informational purposes only and does not constitute financial or legal advice. Always consult with qualified professionals for guidance specific to your circumstances.

Read the Press Release.

Whether you’re a homeowner, prospective buyer, or real estate investor, understanding these market changes is crucial. As your trusted REALTOR®, I’m here to help you navigate these shifts and make informed decisions! Call, text, email, or DM me to chat about how this announcement affects your real estate plans!

For more information, contact:

Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca

Market Updates • 10 September 2025

Bruce County Housing Market Update | August 2025

by Susan Moffat

In this update, we’ll break down the August 2025 housing market stats for Arran-Elderslie, Brockton, Huron-Kinloss, Kincardine, Northern Bruce Peninsula, Saugeen Shores, South Bruce, and South Bruce Peninsula. From sales activity to price changes, this snapshot will give you a clear picture of how the market is performing across our region.

Bruce County Housing Market Update for August 2025

Board & Association Information

For more information, contact:

Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage

519.377.5154

susan.moffat@c21.ca

Market Updates • 10 September 2025

Grey County Housing Market Update | August 2025

by Susan Moffat

In this update, we’ll take a closer look at the August 2025 housing market stats for The Blue Mountains, Chatsworth, Georgian Bluffs, Grey Highlands, Hanover, Meaford, Owen Sound, Southgate, and West Grey. From home prices to sales activity, this snapshot will help you see how each community is performing in today’s market.

Grey County Housing Market Update for August 2025

Board & Association Information

For more information, contact:

Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage

519.377.5154

susan.moffat@c21.ca

Homeownership • 3 September 2025

Keeping the Shine on Your Hardwood Floors

by Susan Moffat

Hardwood floors are a timeless choice that can increase your home’s value and add a touch of elegance to any room. However, their beauty, and value, are only preserved if you know how to take proper care of them. Poor maintenance can cause premature wear, costly repairs, or the need for full replacement. Here are expert-backed tips to help you keep your hardwood floors gleaming for years to come.

Choose the Right Cleaner

Skip the vinegar: While some DIY advice suggests vinegar, its acidity will actually degrade your floor’s finish over time.
Opt for gentle cleaners: Use diluted dish soap or a mild all-purpose cleaner instead.

Mind the Water

Less is more: Excess water can seep into wood, leading to swelling and warping.
Recommended method: Clean with a damp microfiber mop, or if using a spray mop, remember to go light. More product doesn’t mean cleaner—it can mean bigger problems for your floors.

Shoes Off, Please

Shoes carry grit: The debris and pressure of shoes, especially heels, can scratch and dent your floor.
Indoor shoe policy: Encourage family and guests to remove shoes at the door.

Protect from Furniture

Add pads or rugs: Placing furniture pads or area rugs beneath heavy pieces will protect the wood from scratches and indentations.
Move furniture occasionally: Even heavy furniture should be shifted a few inches every few months to prevent permanent dents.

Address Spills and Scratches Promptly

Immediate cleanup: Wipe up spills right away to avoid permanent stains.
Pet care: Keep pet nails trimmed to minimize scratches.

Regular Shine and Long-Term Care

Quarterly polish: Polishing your floors every three months not only boosts the shine but also prolongs the life of the finish.
Professional refinishing: Consider refinishing your floors every 7-10 years to restore their original beauty. Caution: If your boards are ¼ inch thick or less, refinishing could remove too much material, so consult a professional first.

Considering Alternatives?

If you love the look of hardwood floors but worry about upkeep or expense, there are other options: Engineered hardwood, luxury laminate, or vinyl can closely mimic hardwood’s appearance while offering better resistance to moisture and wear—typically at a lower cost and with less maintenance required.

Final Thoughts

Hardwood floors are a significant investment, but with the right care, their elegant shine and value can last a lifetime. If you ever have questions about flooring options or how they can impact your home’s value, feel free to reach out—I’m always happy to help homeowners make informed decisions!

Looking to buy, sell, or invest? As your REALTOR®, I’ll guide you every step of the way. Contact me today to schedule a free consultation and let’s turn your real estate dreams into reality!

For more information, contact:

Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca

Explore Grey & Bruce • 27 August 2025

Trail Etiquette for Outdoor Adventures in Grey Bruce

by Susan Moffat

Grey Bruce, Ontario is a paradise for outdoor enthusiasts. With its abundance of scenic public trails winding through forests, along rivers, and across rolling countryside, there are endless opportunities for hiking, biking, and exploring. As these beautiful natural spaces become more popular, it’s important for everyone—whether you’re a seasoned hiker, a family out for a stroll, or new to the world of trails— to understand and practice good trail etiquette.

Why Trail Etiquette Matters

Practicing trail etiquette helps protect nature and ensures that our trails remain safe, welcoming, and accessible for everyone. Following these guidelines creates a positive experience for you and those you share the path with, while preserving Grey Bruce’s stunning landscapes for future generations.

Top Trail Etiquette Tips

Stay on Marked Trails: Always stick to official paths to protect wildlife habitats and prevent erosion. Going off-trail can damage fragile vegetation and disturb local ecosystems.

Yield Appropriately: Cyclists yield to everyone. Hikers yield to horses. Uphill travellers have the right of way: step aside for those hiking uphill, as it’s harder for them to restart their climb.

Keep to the Right, Pass on the Left: This simple rule helps prevent accidents. Announce yourself with a friendly “on your left” before passing.

Respect Wildlife: Enjoy animals from a distance—don’t feed them or try to interact. Keep pets leashed and under control at all times.

Leave No Trace: Pack out everything you bring. Leave plants, rocks, and historical items as you found them.

Be Mindful of Noise: Help everyone enjoy the peace of nature by keeping noise levels down. Avoid playing loud music, and let the sounds of nature take centre stage.

Share the Trail: Be courteous, smile, and greet fellow trail users. If you’re in a group, walk single file when others are approaching.

Be Prepared and Observant: Familiarize yourself with trail rules, check weather conditions, carry appropriate gear, and let someone know your plans.

Learn More

Grey County Trail Information

Trail Etiquette from Grey County

Bruce County Trail Information

Experience the Bruce Trail

Make the Most of Grey Bruce’s Trails (And Maybe Stay a Little Longer!)

The trails of Grey Bruce are a true community treasure. Whether you’re exploring the Bruce Trail, cycling the rail trails, or discovering quiet woodland paths, following these etiquette tips ensures everyone can safely enjoy our natural wonders.

If you’ve dreamed of living amidst these beautiful trails—or having access to them just outside your door—I’m here to help! Whether you’re searching for a home, land, or a cozy cottage close to public trails, contact me today. Let’s make your dream of living in Grey Bruce a reality—where adventure is just a few steps away.

Looking to buy, sell, or invest? As your REALTOR®, I’ll guide you every step of the way. Contact me today to schedule a free consultation and let’s turn your real estate dreams into reality!

For more information, contact:

Susan Moffat, REALTOR® with Century 21 In-Studio Realty Inc., Brokerage
519.377.5154
susan.moffat@c21.ca

CENTURY 21 In-Studio Realty Inc. Brokerage

INFO & SERVICES

CENTURY 21 In-Studio Realty Inc. Brokerage

9 Main St E, Markdale, ON N0C1H0

(519) 375-7653

INFO & SERVICES

Find a Home

Careers

Terms & Conditions

Independently Owned and Operated. ®/™ trademarks owned by Century 21 Real Estate LLC used under license or authorized sub-license. © 2020 Century 21 Canada Limited Partnership © 2020 Century 21 Canada Limited Partnership

The trademarks MLS®, Multiple Listing Service® and the associated logos identify professional services rendered by REALTOR® members of CREA to effect the purchase, sale and lease of real estate as part of a cooperative selling system. 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. Used under license. This listing content provided by REALTOR.ca has been licensed by REALTOR® members of The Canadian Real Estate Association. Not intended to solicit properties currently listed for sale or buyers under contract.

Century 21 Canada Limited Partnership currently has franchise opportunities available in select markets across Canada. The intent of this communication is for informational purposes only and is not intended to be a solicitation to anyone under contract with another real estate brokerage operation. This e-mail message contains confidential information intended only for the use of the individual or entity named above. Any unauthorized use or disclosure is strictly prohibited. If you have received this communication in error please immediately delete the e-mail and either notify the sender at the above e-mail address or by telephone.