The process starts with recent, genuinely comparable sales nearby, not a wide citywide average, and factors in condition, lot position and anything visibly done to the house that public assessment records would not capture on their own.
Where a homeowner has completed real improvements, permitted or not, Joel physically reviews them rather than relying on what the City of Saskatoon's assessment file happens to show, since an unpermitted upgrade is invisible to any algorithm and to a basic assessment lookup alike.
That hands-on step is the difference between a number generated by software and a number a seller can actually list at. Get your hand-reviewed valuation from Joel Dyck.