The wedge that actually moves your number is what a previous owner did to the house that never reached the City of Saskatoon's permit file. A finished basement, an updated kitchen or a rebuilt deck can add real value an algorithm never sees.
Online estimate tools pull from the same public assessment and sales data, so two homes on the same Willowgrove street with very different interiors can show nearly identical estimated values until someone actually walks through both.
Joel Dyck's hand-reviewed valuation walks your home in person and compares it against recently sold homes with similar upgrades, which is the only way to get a number specific to your house rather than the neighbourhood average. Get your hand-reviewed valuation from Joel Dyck.