Joel Dyck, a REALTOR® with Real Broker SK Ltd. in Saskatoon, sees why that matters most at resale: because the City reviews and inspects, an unpermitted renovation is easy for an appraiser or lender to spot as missing from the file, which is exactly the gap Joel's hand-reviewed valuation accounts for.
The more common local problem is simpler than self-certification: work done with no permit applied for at all. A buyer's lawyer or a home inspection, typically $400 to $600, will usually catch that before closing rather than after.
Get your hand-reviewed valuation from Joel Dyck.