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CENTURY21 Northumberland Realty

I've met a lot of people while working at Real Estate. I'm proud to say I've made a lot of long lasting friendships, which adds up as repeat business.


I'm not a "Pushy Agent", I like to sit back and watch my clients explore homes they've chosen. I usually have a good idea, when we've found "the right one for you". Looking forward to my next friendships, when buying or selling please contact me.

I've met a lot of people while working at Real Estate. I'm proud to say I've made a lot of long lasting friendships, which adds up as repeat business.


I'm not a "Pushy Agent", I like to sit back and watch my clients explore homes they've chosen. I usually have a good idea, when we've found "the right one for you". Looking forward to my next friendships, when buying or selling please contact me.

Century21 Northumberland Realty Ltd. has provided me with 1000's of buyers & sellers, that I've met & enjoyed working alongside over the past 15 years. With a 25 year background in construction, then 6 years of installing kitchen and bathroom cabinets, I know homes inside & out and with these two careers I've travelled our Island Tip to Tip. I love meeting people, I work hard at forming a relationship over the phone or by email, before meeting my clients in person. Getting to know my Buyer's first and your needs, helps narrow down our search for your new home here on PEI. When we go out viewing homes, I want you to walk away having choices....not having disappointments. For my Sellers I can assist you before listing, giving my opinion on little things that can be fixed before listing. Which could add up to a long & costly list, on a Purchaser's Home Inspection.

Testimonials

We came to visit PEI in 2018, considering to move here because of the more relaxed way of life and also a safer place to raise our children. We saw a beautiful home for sale in Cape Traverse, so decided to call the number and asked for a viewing. That agent was Wally Ross. I have bought many homes and worked with many agents, but never an agent like Wally, easy going, strait forward and most important, I felt no pressure. After a bit of negotiating, our offer was accepted and we were on our way. Not knowing anyone on the island, I had a hard time to get a mortgage, find a good lawyer and and an insurance broker. But we were in good hands, Wally took care of everything, connecting me with everyone needed to make this dream a reality. Thank you Wally Ross for not only your great service but also all the extra help you provided us.
Garo Pinéjian , Cape Traverse PEI

Cathy and I would like to thank you in regards to the purchase of our new home on PEI. You listened to us hem and haw over whether or not we should relocate to PEI, you were never pushy, leaving us several open options. Not only were you there for us during the sale but continued to make sure we were still happy with the purchase of our new home.
Pat Patterson

We first met Wally in the Summer of 2012 while planning to relocate from Ontario to PEI. During that time period we eventually purchased through Wally a home. We needed to return to Ontario some four years later and listed the property which was both listed and sold through Wally. We returned to PEI in November2018 and again purchased through Wally. We have dealt with many real estate agents over the years and considered the manner and expertise Wally brings to his clients as "Second to None". His patience is a virtue. We highly recommend Wally to any prospective purchasers.
Bob and Claudette Edwards

Achievements & Voluntary Service

2009Masters Emerald
2010Masters Ruby
2012Masters Ruby
2011Century 21 # 62 Producer (Canada)
2011Century 21 # 5 Producer (Atlantic)
2011CENTURION® Producer
2012Masters Ruby
2013Masters Silver
2014Masters Silver
2016Masters Silver
2017Masters Ruby
2018Masters Silver
        
2020Sponsor Summerside Fire Department 2020 Fundraiser
10 yrsSponsor Bedeque Rink
15 yrsSponsor Kinkora High School
YearlySponsor Kinkora Community Summer Festival
WeeklySupport Summerside Boys & Girls Club
YearlySupport Bedeque Rink Fundraiser
YearlySupport IWK Children's Hospital Halifax
YearlySupport Queen Elizabeth Hospital Charlottetown
10 yrsSupport Prince County Hospital Summerside
10 yrsVolunteer College of Piping Summerside
23 yrsKinkora Volunteer Fire Department
    Positions held over the years: Training Officer, Captain, Deputy Chief & retired as Chief

Search for the Property of YOUR Dreams! START HERE ...

SINGLE FAMILY HOMES MINI HOMES COTTAGES & SUMMER HOMES
LAND & BUILDING LOTS RECREATIONAL LOTS ACREAGES
COMMERCIAL MULTI-RESIDENTIAL FARM & AGRIBIZ
SUMMERSIDE NORTH SHORE
WEST PRINCE CHARLOTTETOWN & EAST
SOUTH SHORE WELLINGTON & AREA

Come back here regularly to see our NEWEST LISTINGS.

176 CEDAR ST Summerside C1N3R3
176 CEDAR ST
Summerside C1N3R3
$185,000202109233
Bedrooms: 4
Bathrooms: 2
Lot Size: acre(s).18
Living Area: (sq. ft.)3600

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307 GRANVILLE ST Summerside C1N3B1
307 GRANVILLE ST
Summerside C1N3B1
$365,000202109202
Bedrooms: 3
Bathrooms: 3
Lot Size: acre(s).16
Living Area: (sq. ft.)1616

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247 WALKER AVE Summerside C1N5S6
247 WALKER AVE
Summerside C1N5S6
$429,900202109148
Bedrooms: 3
Bathrooms: 2
Lot Size: acre(s).22
Living Area: (sq. ft.)2143

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65 SCHOOLHOUSE LANE Stanley Bridge C0B1M0
65 SCHOOLHOUSE LANE
Stanley Bridge C0B1M0
$199,000202108735
Bedrooms: 2
Bathrooms: 2
Lot Size: acre(s)0.5
Living Area: (sq. ft.)1050

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57 SWEET PEA LANE Darnley, C0B 1M0
57 SWEET PEA LANE
Darnley, C0B 1M0
$309,000202108538
Bedrooms: 3
Bathrooms: 2
Lot Size: acre(s)0.59
Living Area: (sq. ft.)1200

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5533 ROUTE 11 Union Corner, C0B2E0
5533 ROUTE 11
Union Corner, C0B2E0
$239,900202108420
Bedrooms: 3
Bathrooms: 2
Lot Size: acre(s).45
Living Area: (sq. ft.)1618

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540 TAYLOR ROAD North Granville C0A1E0
540 TAYLOR ROAD
North Granville C0A1E0
$499,900202108372
Bedrooms: 4
Bathrooms: 2
Lot Size: acre(s)1.9
Living Area: (sq. ft.)2496

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68 SCHOOLHOUSE LANE Stanley Bridge C0A1M0
68 SCHOOLHOUSE LANE
Stanley Bridge C0A1M0
$189,500202108295
Bedrooms: 2
Bathrooms: 2
Lot Size: acre(s)0.5
Living Area: (sq. ft.)1020

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656 MURPHY ST Summerside C1N4H1
656 MURPHY ST
Summerside C1N4H1
$369,900202108165
Bedrooms: 4
Bathrooms: 2
Lot Size: acre(s).51
Living Area: (sq. ft.)2400

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63 ELLIS AVE. O'Leary C0B1V0
63 ELLIS AVE.
O'Leary C0B1V0
$395,000202108049
Bedrooms: 3
Bathrooms: 3
Lot Size: acre(s).39
Living Area: (sq. ft.)3238

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325 LIDSTONE STREET Summerside C1N3H1
325 LIDSTONE STREET
Summerside C1N3H1
$399,000202107760
Bedrooms: 3
Bathrooms: 2
Lot Size: acre(s).53
Living Area: (sq. ft.)3600

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28 BISHOP ST Charlottetown C1A2B9
28 BISHOP ST
Charlottetown C1A2B9
$239,000202106581
Bedrooms: 3
Bathrooms: 2
Lot Size: acre(s).05
Living Area: (sq. ft.)954

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173 CAMPBELLS WAY Cape Traverse C0B1X0
173 CAMPBELLS WAY
Cape Traverse C0B1X0
$725,000202106532
Bedrooms: 5
Bathrooms: 2
Lot Size: acre(s)1.2
Living Area: (sq. ft.)2309

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340 RTE 20 Kensington C0B1M0
340 RTE 20
Kensington C0B1M0
$239,900202104965
Bedrooms: 3
Bathrooms: 1
Lot Size: acre(s)1.01
Living Area: (sq. ft.)1472

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189 DAWSON ROAD Augustine CoveC0B1X0
189 DAWSON ROAD
Augustine CoveC0B1X0
$425,000202104725
Bedrooms: 3
Bathrooms: 2
Lot Size: acre(s).34
Living Area: (sq. ft.)1400

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 WEST POINT West Point, C0B1V0
WEST POINT
West Point, C0B1V0
$29,500202101642
Bedrooms: 1
Bathrooms: 1
Lot Size: acre(s)
Living Area: (sq. ft.)336

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351 CHESTNUT ST. Summerside C1N2E8
351 CHESTNUT ST.
Summerside C1N2E8
$239,900202101202
Bedrooms: 7
Bathrooms: 2
Lot Size: acre(s).53
Living Area: (sq. ft.)1992

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131 NAIL POND ROAD Nail Pond, C0B 2B0
131 NAIL POND ROAD
Nail Pond, C0B 2B0
$269,000202101176
Bedrooms: 3
Bathrooms: 2
Lot Size: acre(s)1.34
Living Area: (sq. ft.)1980

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105 BAYSIDE RD Summerside C1N4J9
105 BAYSIDE RD
Summerside C1N4J9
$499,900202101135
Bedrooms: 4
Bathrooms: 3
Lot Size: acre(s).36
Living Area: (sq. ft.)2444

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4159 ROUTE 20 Seaview, C0B1M0
4159 ROUTE 20
Seaview, C0B1M0
$989,000202100389
Bedrooms: 6
Bathrooms: 4
Lot Size: acre(s)13.6
Living Area: (sq. ft.)2824

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211 CORONATION AVE Summerside C1N2E4
211 CORONATION AVE
Summerside C1N2E4
$399,900202100211
Bedrooms: 4
Bathrooms: 3
Lot Size: acre(s)
Living Area: (sq. ft.)

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111 CHAISSON RD St. Edward C0B1Z0
111 CHAISSON RD
St. Edward C0B1Z0
$89,000202024651
Bedrooms: 3
Bathrooms: 1
Lot Size: acre(s)28.8
Living Area: (sq. ft.)1136

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349 CHESTNUT STREET Summerside, C1N2E8
349 CHESTNUT STREET
Summerside, C1N2E8
$289,900202024575
Bedrooms: 3
Bathrooms: 3
Lot Size: acre(s).174
Living Area: (sq. ft.)2128

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37 HOWLAN ST Alberton C0B1B0
37 HOWLAN ST
Alberton C0B1B0
$19,500202109010
Bedrooms:
Bathrooms:
Lot Size: acre(s).25
Living Area: (sq. ft.)

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 FARLEY ROAD St. Lawrence C0B1S0
FARLEY ROAD
St. Lawrence C0B1S0
$19,900202109004
Bedrooms:
Bathrooms:
Lot Size: acre(s).5
Living Area: (sq. ft.)

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 ALBION  CRESCENT Albion C0A2A0
ALBION CRESCENT
Albion C0A2A0
$110,000202107730
Bedrooms:
Bathrooms:
Lot Size: acre(s)3.05
Living Area: (sq. ft.)

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 MORRISON LANE New London C0B1M0
MORRISON LANE
New London C0B1M0
$109,000202107119
Bedrooms:
Bathrooms:
Lot Size: acre(s)9.5
Living Area: (sq. ft.)

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01-2 WRIGHT RD North Carleton C0B1A0
01-2 WRIGHT RD
North Carleton C0B1A0
$29,900202106817
Bedrooms:
Bathrooms:
Lot Size: acre(s).69
Living Area: (sq. ft.)

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 SHERRY LANE Savage Harbour C0A1T0
SHERRY LANE
Savage Harbour C0A1T0
$15,000202105738
Bedrooms:
Bathrooms:
Lot Size: acre(s)0.34
Living Area: (sq. ft.)

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Lt 13 CHATEAU LANE Hope River, C0A1E0
Lt 13 CHATEAU LANE
Hope River, C0A1E0
$34,000202105586
Bedrooms:
Bathrooms:
Lot Size: acre(s)2.47
Living Area: (sq. ft.)

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 SIMPSON MILL RD Cavendish, C0A1N0
SIMPSON MILL RD
Cavendish, C0A1N0
$49,500202104721
Bedrooms:
Bathrooms:
Lot Size: acre(s).41
Living Area: (sq. ft.)

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 CROSS SHORES  Wellington, C0B 1Y0
CROSS SHORES
Wellington, C0B 1Y0
$29,000202104347
Bedrooms:
Bathrooms:
Lot Size: acre(s)1.5
Living Area: (sq. ft.)

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5320 RTE 19 Rice Point, C0A 1H6
5320 RTE 19
Rice Point, C0A 1H6
$339,900202104251
Bedrooms:
Bathrooms:
Lot Size: acre(s)70
Living Area: (sq. ft.)

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 MACISAAC ROAD Richmond C0B1Y0
MACISAAC ROAD
Richmond C0B1Y0
$49,900202103565
Bedrooms:
Bathrooms:
Lot Size: acre(s)45
Living Area: (sq. ft.)

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 LOWER DARNLEY RD Darnley, C0B 1M0
LOWER DARNLEY RD
Darnley, C0B 1M0
$29,000202102815
Bedrooms:
Bathrooms:
Lot Size: acre(s).28
Living Area: (sq. ft.)

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101 ABEGWEIT BLVD Borden  C0B1X0
101 ABEGWEIT BLVD
Borden C0B1X0
$699,000202108500
Bedrooms:
Bathrooms:
Lot Size: acre(s)1.45
Living Area: (sq. ft.)11600

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217 PHILLIP ST Tignish, C0B2B0
217 PHILLIP ST
Tignish, C0B2B0
$175,000202106593
Bedrooms:
Bathrooms:
Lot Size: acre(s).16
Living Area: (sq. ft.)1550

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 SUMMERSIDE Charlottetown
SUMMERSIDE
Charlottetown
$325,000202105945
Bedrooms:
Bathrooms:
Lot Size: acre(s)
Living Area: (sq. ft.)

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4829  ST. MARY'S RD Stanley Bge C1N5P3
4829 ST. MARY'S RD
Stanley Bge C1N5P3
$370,000202105058
Bedrooms:
Bathrooms:
Lot Size: acre(s)2.65
Living Area: (sq. ft.)

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115 QUEEN ST Charlottetown C1A4B3
115 QUEEN ST
Charlottetown C1A4B3
$2,300,000202104884
Bedrooms:
Bathrooms:
Lot Size: acre(s)0.09
Living Area: (sq. ft.)4961

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156 BORDEN AVE. Borden C0B1X0
156 BORDEN AVE.
Borden C0B1X0
$499,000202103486
Bedrooms:
Bathrooms:
Lot Size: acre(s)1.2
Living Area: (sq. ft.)7600

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 BEECH POINT RD Hamilton C0B1M0
BEECH POINT RD
Hamilton C0B1M0
$1,870,000202103237
Bedrooms:
Bathrooms:
Lot Size: acre(s)183
Living Area: (sq. ft.)

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 BEECH POINT RD Hamilton C0B1M0
BEECH POINT RD
Hamilton C0B1M0
$345,000202103234
Bedrooms:
Bathrooms:
Lot Size: acre(s)55
Living Area: (sq. ft.)

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 BEECH POINT RD Hamilton C0B1M0
BEECH POINT RD
Hamilton C0B1M0
$425,000202103232
Bedrooms:
Bathrooms:
Lot Size: acre(s)40
Living Area: (sq. ft.)

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Buying & Selling Real Estate on Prince Edward Island

Prince Edward Island is a small island located 13 km off the east coast of Canada. It is connected to the mainland by the Confederation Bridge as well as ferry and air. While Prince Edward Island is the smallest province in Canada it isn't small on scenery or lifestyle, and the Prince Edward Island waterfront real estate market is strong. Prince Edward Island, the Emerald Isle, is a great place to retire, holiday, or even use as a summer retreat from the hustle and bustle of big city life. Prince Edward Island waterfront real estate is plentiful due to the long jagged coastline and bays and inlets of the island. There is always something new just around the corner and PEI properties and PEI homes are readily available, always beautiful and well-kept, as well as being very affordable. Many visitors to Prince Edward Island, and there are upwards of a million in the summer, choose to enter the Prince Edward Island real estate market and buy a PEI property or PEI home of their own using it for their own vacation as well as netting a return on investment by renting it to other vacationers when not using it themselves. Many PEI realtors and Prince Edward Island real estate agents will manage your PEI property when you are away.

Prince Edward Island real estate affords anyone interested in becoming a Prince Edward Island real estate investor a secure financial instrument upon which to base a wealth-building plan. Prince Edward Island real estate, while perhaps not providing the potential for the large returns to be had in some urban areas, such as the recent "crazy" upturns in portions of the Toronto market, is much easier to break into with much lower cash requirements as well as not being subject to the potential risk and downside of a real estate market that over inflates and then falls. The Prince Edward Island real estate market at present still has many great deals on offer that will allow everyone from the family seeking their first PEI home to the savvy real estate investor looking for a Prince Edward Island commercial or multi-family rental investment.

Wally Ross and the Century21 Northumberland Realty team are your first choice when looking for a PEI realtor who can help you enter the Prince Edward Island real estate market. There are some restrictions on out of province ownership of Prince Edward Island waterfront real estate but these are not difficult to comply with and still allow for a considerable purchase of PEI property or the purchase of a PEI home.

The Prince Edward Island real estate market is generally though to divide into two distinct categories. There is the local market which includes PEI home owners, islanders generally who live and work here with their families year-round, buying a PEI home or other PEI property for their own use. Then there is a very strong summer Prince Edward Island real estate market which is made up of visitors and summer residents who come to PEI and buy PEI property looking to have a base for a different kind of lifestyle than that found in the bigger Canadian cities. More and more those wishing to be summer residents of Prince Edward Island buy into some of the excellent Prince Edward Island real estate developments such as Sunset Dunes, Granville on the Water and Sunbury Cove. These Prince Edward Island real estate developments offer serviced lots as well as turnkey PEI homes built to specification.

There is actually a third type of market which skews between these two. This is the retiree market. People from other parts of Canada are coming to Prince Edward Island and buying into the Prince Edward Island real estate market, often purchasing in the towns and cities especially buying into Summerside real estate. These people find that they can purchase a PEI home for a fraction of the price they sell their home in other parts of the country and use the released equity to finance part of their retirement.

If you are reaching the age when you are thinking about retiring, you will be planning budgets based on a reduced income and probably wondering how to get by on reduced circumstances. More and more people are beginning to see PEI as an answer to their retirement issues. PEI is a small island province off the east coast of Canada with a population of 140,000. The island population grows in the summertime to over a million as many summer residents come in to swell the population. However despite average Canadian winters and thanks in large part to the PEI real estate market which is considerably easier to jump into with lower PEI home values than home prices you would find in Toronto, many are seeing Prince Edward Island as their new home year round when entering their retirement.

As the island grows, so modern amenities are taking root. In the Summerside area their is a modern hospital, a sports complex with competition style pool and 2 hockey rinks, lots of restaurants, theatres, a boardwalk and a strong senior's community. You can buy a PEI home and enter the Prince Edward Island real estate market with home prices starting in the range of $50,000 for a fixer-upper up to $300,000 for a very large, heritage house that could be used as a B&B to create an income for those who do not want to entirely stop working, but are willing to put in summers working a business, or could be renovated into apartments. There are some homes that have already been renovated into up to 6 apartments that bring in a good income. Live in one - rent the rest!

What about an extra $500 - $3000 per month to add to your retirement income? Here are the average house prices for each province in Canada as of 2012 compared with $146,000 average price for PEI homes and the PEI real estate market (Canadian Real Estate Association)


British Columbia$730,000+ 0.2 %
Ontario$578,000– 13.0 %
Alberta$387,000– 4.9 %
Quebec$297,000+ 3.1 %
Manitoba$296,000+ 0.4 %
Saskatchewan$288,000– 6.5 %
Nova Scotia$249,000+ 1.6 %
Newfoundland / Labrador$246,000– 3.7 %
Prince Edward Island$230,000+ 18.4 %
New Brunswick$178,000+ 10.2 %
Canadian Average$495,000– 11.3 %

With PEI real estate prices at 41% of the national average that means the average homeowner could access just over $200,000 to place into another investment to help with retirement income. The table (above right) allows us to see province by province what the return would mean on a monthly basis if you sold your home elsewhere in Canada and leveraged that freed equity by purchasing in the Prince Edward Island real estate market.

Alternatively, you can use the value of PEI real estate further to your advantage and instead of investing your freed equity in financial instruments such as Mutual Funds, you could purchase a multi-residential property or several smaller, starter homes to use as rentals. You can roughly generate $400-500 of rental income from a home costing $50K to $70K. Homes of this type are readily available to the PEI real estate purchaser.

As you can see there are a number of scenarios involving a PEI real estate investment that would result in an easier lifestyle during your retirement. Check with Wally Ross, your PEI realtor and member of the Century21 PEI real estate team to discuss how this would work for you. PEI real estate prices are amongst the lowest in the country, we have reasonable climate and a friendly and relaxed lifestyle here on PEI with access to all modern amenities.

Century21 and the PEI Real Estate Market
If you are looking into buying a PEI home and if you are looking at a site such as this that is devoted to helping people buy PEI real estate you probably will, unless you have some $100K in cash, have to qualify for a mortgage. Getting a mortgage to invest in PEI real estate depends mainly on 2 factors, your credit score (a number between 300 and 900) that shows lenders your creditworthiness and your income which shows lendors how much you would be able to pay.

Understanding your Credit Score

In order to be an informed consumer you must first know your credit score. You can obtain a free copy of your credit report from Transunion or Equifax but the free version will not supply your credit score. For that information you must pay. Typically this costs just over $20 and you can get the results on the internet at either credit agencies' website. If your credit score is low you will have a much harder time financing your PEI real estate purchase. You ideally want a credit score of 700 or better although some lenders will finance your PEI home purchase at credit scores over 600. In this case usually the interest rate on your PEI real estate will be higher. In either case potential PEI real estate lenders will look very closely at your credit worthiness as expressed in your credit score and at your income to see what amount of debt you could easily service as well as other factors such as length of employment, other debt etc.

Steps to building your Credit Score & your chance of a PEI real estate purchase!

1. Pay bills ontime - use online payment systems or setup automatic payments if necessary. Failure to pay bills on time will result in a reduced credit score and problems with financing a PEI real estate purchase.
2. Ensure that you have money onhand ie savings. Start a savings program to automatically save a certain amount from your paycheque. Having savings shows lenders a certain fiscal responsibility and will increse the likelihood of earlier PEI home ownership.
3. Make sure that rent is paid on time and that lease obligations are met. This shows that you are "of your word" and will honour contractual agreements that you have made. Failure to do so can result in a negative credit report and delay PEI home ownership.
4. Reduce your debt, especially credit cards. Credit cards at best reduce the amount of money you will have to spend on your PEI real estate purchase or it could outright delay it until paid down. Debt service for credit card debt is taken off the amount you qualify for based on income and therefore negatively effect your ability to become PEI home owners.

Credit Score holding back PEI home ownership?

If either you do not have enough money as a downpayment or you are considered a less than stellar risk for PEI real estate mortgage you may have to opt for an insured loan or a "bad credit" mortgage. In either case this means that as the risk is higher you will pay more interest to borrow to buy that PEI home. So you may have to work at repairing your credit or save some more for a downpayment or wait until you have worked at your present employment longer if you want to avoid paying a penalty in interest rate for your past life choices or circumstances.

You should in any case see a number of banks and discuss your situation as well as mortgage brokers. Sometimes a mortgage broker can get you PEI home financing when a bank can not. Mortgage brokers shop around a number of lenders on your behalf including banks, finance companies and even sometimes private mortgage lenders. There are sometimes up front fees for mortgages arranged by mortgage brokers. You should make sure you know what fees, if any, are being charged on the front-end of your PEI real estate purchase.

Another point to remember when shopping for your PEI real estate mortgage includes not making other large purchases before seeking a mortgage. Wait until after to apply for a new car loan or indeed any loan. You want to be as debt free as possible going in.

If you are planning a PEI real estate purchase in the near future and you have a checkered credit history or perhaps a lack of credit history, drop by and talk to Wally Ross, your PEI realtor and part of the Century21 PEI real estate team. He can help you set a path to PEI home ownership.

Contact Wally

Lets get in touch and talk about your real estate needs.
I will get back to you shortly. If you need to speak to me sooner please call at the numbers below/beside.

Find us on Social Media

Direct:902-888-7811
Office (Sside):902-436-2265
Office (Chtown):902-201-9850
Fax:902-436-2687
Toll-free:1-888-701-0021
Email:wally@century21pei.com
629 Water St East, Summerside PE C1N4H8
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