What actually changes the answer is documentation. A home with permits on file for its major upgrades is quicker to value precisely, while a home with undocumented work, a finished basement, a new furnace, an updated kitchen, needs the walkthrough to establish what is really there before a number gets attached to it.
Equity position matters more than qualification. An owner who has held a Saskatoon home for decades and made improvements along the way is exactly the case where the gap between the public record and the real value tends to be largest.
The only way to know where your specific property lands is to have it walked and reviewed. Get your hand-reviewed valuation from Joel Dyck.