Online tools and City of Saskatoon assessment values both work from public data, which misses a renovation done without a permit or upgrades that never made it into a filed record, and that gap is exactly where a hand-reviewed number differs from an automated one.
The comparable set matters as much as the math. Homes need to be genuinely similar in size, condition and location, close in time to today rather than several months stale, since supply at 1.63 months means the market can shift within a single season.
A price built on real comparables and a real walkthrough holds up better than one built on an algorithm's blind spot. Get your hand-reviewed valuation from Joel Dyck.