The Saskatchewan REALTORS Association put the city benchmark at $444,700 in the most recent release, and your own number depends on where your specific house lands against that benchmark, not on the city average alone.
Your lawyer handles the arithmetic at closing: mortgage discharge, any lender discharge fee, prorated property taxes and the Information Services Corporation title transfer, and produces a final statement of adjustments before funds are released to you.
A net sheet before you list, not after an offer arrives, is what turns that estimate into a real number you can plan around. Get your hand-reviewed valuation from Joel Dyck.