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01-01-2022, 08:20 PM
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#19876 | RS.net, helping ugly ppl have sex since 2001
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71% increase for me in cowichan. Lol. But it’s just a chunk of land. 25 in PoCO
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01-01-2022, 10:07 PM
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#19877 | Rs has made me the woman i am today!
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Originally Posted by Hehe I don't get the new 2022 assessment. There was hardly any transaction on the road/immediate area I live (all old-timers with owners of 30+ years, one of the reasons I bought the area as I didn't want new owner/tenants to come and go) except mine and I bought it a year ago. Even extending the area a bit, all transactions within the last 12mth were pretty much at 2021 assessment on average if not lower.
And somehow that pushed to a new ATH, higher than the previous peak assessment of 2017.
Like, I was expecting an increase... yes. But not exploding by 30% when there's hardly anything going on. If anything, I was expecting a relatively flat for the area.
I just hope there isn't too much of a surprise when tax bill gets here. | Just because there was no transactions doesn't mean your values haven't gone up. As a whole the average has gone up about 20% from last year. It's an assessment, but average transaction price history.
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01-01-2022, 10:34 PM
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#19878 | in the butt
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Originally Posted by whitev70r ^ that's what I'm getting at. Municipalities jacking up assessment and then city hall mayors and councillors all saying that they need to control the ridiculous rise of real estate prices ... both coming from the same office. | Municipalities aren't jacking up assessments
Buyers are jacking up assessments
Everyone loves blaming others for their own self doing
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01-02-2022, 12:54 AM
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#19879 | To me, there is the Internet and there is RS
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Originally Posted by Traum I have never understood why BC Assessment bothered with the separate land and building values, and if you happen to talk to any of the CoV agents, they can't really give you any reasonable explanation at all, other than how the total figure represents the entire assessed value of your home. It's all BS and I wish they'd just adopt a single number for simplicity's sake. | I'm curious how much the accuracy of the specs listed for the house actually matter to the assessment. Mine are quite screwy, and I've seen a bunch of others that are incorrect as well.
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01-02-2022, 10:48 AM
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#19880 | I have named my kids VIC and VLS
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The only time the structure value is even close to accurate is with new builds it seems
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01-02-2022, 01:43 PM
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#19881 | I *heart* Revscene.net very Muchie
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Originally Posted by meme405 Okay relax you guys.
1. Just Because your assessment went up 300k doesn't mean shit, unless you plan on selling and living in a cardboard box. Also assessed values are very shite indicators. Yes majority of places might sell for assessed or above, but there are still places that sell for well below assessed.
2. Property taxes dont go up substantially just because your assessed value is now 30% more. The increase in property tax is based upon the price of your place vs others. As an example my assessed in Nvan went up by 300k over the course of ~5 years. My property tax through that period did increase, but not drastically. Because my places assesment grew like others in the area.
What drastically affects your tax assesment, is if you all of a sudden build a brand new house and your value is now double what it was before out pacing all the other properties around yours. Then you are fucked. | That's correct about property tax in relation to property value.
Each municipality has their own property tax rate aka Mill Rate that's then applied to each $1000 of net taxable value. The Mill Rate is set by Tax Authorities and if there's no Mill Rate increase property tax increase wouldn't be significant even if assessed value has a dramatic increase Quote:
Originally Posted by Traum I have never understood why BC Assessment bothered with the separate land and building values, and if you happen to talk to any of the CoV agents, they can't really give you any reasonable explanation at all, other than how the total figure represents the entire assessed value of your home. It's all BS and I wish they'd just adopt a single number for simplicity's sake. | Because land value technically never depreciates where structure (house/condo building) does due to wear and tear/aging/environmental damage/etc hence why there's 2 values. Quote:
Originally Posted by Hondaracer The only time the structure value is even close to accurate is with new builds it seems | Yes. Appraisal methods for new builds factor in current market construction costs and potential structure appreciation. It's called the cost method and usually is consulted with construction companies to come up with a number. Usually this is for property that has what's called Latent Value which means potential value and if the property is at its highest and best usage at its current stage. I'm sure previous construction companies you worked for had been consulted with appraisers
Last edited by 6thGear.; 01-02-2022 at 09:12 PM.
Reason: property tax clarification upon further research
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01-02-2022, 02:06 PM
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#19882 | OMGWTFBBQ is a common word I say everyday
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A good chart comparing current and historical inventory for sale numbers in the Greater Vancouver region (North of the Fraser): https://twitter.com/eresc79/status/1...PsYeKWQJw&s=19
2008, 2012, and 2019 will go down as great years for buyers.
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01-02-2022, 02:26 PM
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#19883 | RS has made me the bitter person i am today!
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Good old supply and demand.
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01-02-2022, 07:22 PM
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#19884 | Need to Seek Professional Help
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Record breaking prices, and record breaking low inventory. 2022 is going to turn out to be a doozy. It sucked to be a buyer in 2020, but I think I got off easy…
Last edited by Alpine; 01-02-2022 at 10:15 PM.
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01-02-2022, 09:56 PM
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#19885 | Willing to sell a family member for a few minutes on RS
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Looking at places right now is rough. Anything we want to move into in North Van is north of 900k. We love our place, but with a baby it's getting to feel quite small. We set up the den as her room, and it's going to be good for a bit, but it's not a long term solution. Our place is so nice, but to move laterally in quality and get an extra bedroom is 250k essentially. It's a tough pill to swallow. We are also looking for 1 bedrooms in the neighbourhood for my Mom potentially as she wants to move from edmonton, but her 4 bedroom house will buy her a shitty place here lol. I really feel for the people 5 years younger than us that are looking to get into the market. I know I am a broken record, but people of all socioeconomic classes are important for a city to function, and I just don't get how it's going to continue where you need to be the top 10% of income earners to ever own anything at all.
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98 technoviolet M3/2/5 Quote:
Originally Posted by boostfever Westopher is correct. | Quote:
Originally Posted by fsy82 seems like you got a dick up your ass well..get that checked | Quote:
Originally Posted by punkwax Well.. I’d hate to be the first to say it, but Westopher is correct. | |
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01-02-2022, 09:57 PM
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#19886 | OMGWTFBBQ is a common word I say everyday
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I feel like millennials finally made their mark on the real estate market in 2021. Everything is flying off the shelves, including condos and townhouses in the far flung suburbs. Quote:
Anything we want to move into in North Van is north of 900k. We love our place, but with a baby it's getting to feel quite small. We set up the den as her room, and it's going to be good for a bit, but it's not a long term solution. Our place is so nice, but to move laterally in quality and get an extra bedroom is 250k essentially. It's a tough pill to swallow.
| When you bring someone else into the world, the decisions are never easy.
After our first kid, we moved from a condo in a concrete building that I owned since new to a small townhouse that was 15 years old and needed a lot of work about 30 minutes away. We had one car for a while. My wife commuted on public transit an hour each way while she was pregnant. Once we had our second kid, we decided to renovate the townhouse. Also, millennials who used to look down upon the suburbs finally started to take notice of our area and interest/hype increased significantly toward the end of 2019.
Once the pandemic hit, we finally said it was time to upgrade for more space. Unfortunately, the gap was too big between our townhouse and something more suitable for a growing family that pivoted to working from home in the same neighbourhood we were in. We found our "forever home" another 15 minutes away in a less prestigious neighbourhood. The house showed pretty poorly and needed some work, but it had good bones so we bought it. The gap that we had to jump was about $320K in the summer of 2020.
While we have had to put in some sweat equity to bring the house up to a standard that we are used to, we have no regrets. Unfortunately, life is full of compromises. Also, in my experience, bringing children in this world motivated me to do more professionally to provide for them.
Last edited by Tapioca; 01-02-2022 at 10:31 PM.
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01-02-2022, 10:07 PM
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#19887 | Willing to sell a family member for a few minutes on RS
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Basically made our mark by saying, well fuck, at least the world will end before we retire so it doesn't matter to take this debt. At least I'll be able to decide the size of dog I can have.
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98 technoviolet M3/2/5 Quote:
Originally Posted by boostfever Westopher is correct. | Quote:
Originally Posted by fsy82 seems like you got a dick up your ass well..get that checked | Quote:
Originally Posted by punkwax Well.. I’d hate to be the first to say it, but Westopher is correct. | |
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01-02-2022, 10:19 PM
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#19888 | Need to Seek Professional Help
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At this point it's fuck it, might as well go all-in and borrow every single penny I can and let the kids inherit my debt.
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01-02-2022, 10:23 PM
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#19889 | Need to Seek Professional Help
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Originally Posted by westopher People of all socioeconomic classes are important for a city to function, and I just don't get how it's going to continue where you need to be the top 10% of income earners to ever own anything at all. | As long as we have people immigrating and willing to live 10 to a house & work for min. wage there will be enough people to work the jobs that no one wants to work. I don't say that lightly because I think it's fucked up, but IMO that's the brutally honest truth.
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01-02-2022, 10:28 PM
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#19890 | Orgasm Donor & Alatar owned my ass twice!
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Congrats on the little person coming soon!
Don't look at getting the extra bedroom as a $250k thing, cuz as soon as you do that, you might as well factor in the income loss from parental leave along with a whole bunch of other newly added costs.
I still remember the first day when we moved into our new larger place, and our litter person finally had enough space to run around in circles in the living room, instead of the L-shaped 7 or 8m strip where his walking was limited to. The smile on his face was something that I will never forget, and the satisfaction I had knowing that it was the right move was something I would treasure for the rest of my life too.
Now, nevermind that my mortgage won't be paid off until I literally turn 70 years old LOL~
As daddies, we just do whatever we can within the limits of our capabilities to make this family thing work. Quote:
Originally Posted by westopher Looking at places right now is rough. Anything we want to move into in North Van is north of 900k. We love our place, but with a baby it's getting to feel quite small. We set up the den as her room, and it's going to be good for a bit, but it's not a long term solution. Our place is so nice, but to move laterally in quality and get an extra bedroom is 250k essentially. It's a tough pill to swallow. We are also looking for 1 bedrooms in the neighbourhood for my Mom potentially as she wants to move from edmonton, but her 4 bedroom house will buy her a shitty place here lol. I really feel for the people 5 years younger than us that are looking to get into the market. I know I am a broken record, but people of all socioeconomic classes are important for a city to function, and I just don't get how it's going to continue where you need to be the top 10% of income earners to ever own anything at all. | |
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01-02-2022, 10:46 PM
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#19891 | Willing to sell a family member for a few minutes on RS
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She’s here already! I’m not looking at it from a financial stress perspective though, don’t worry. Money comes and goes, it’s all good. I know we have options to move somewhere that isn’t as expensive as NV, but this is definitely a place I’d like to raise a child as I’m already looking at snowboard gear for her a month in haha.
It’s just a vent about the whole situation here. It’s so absurd what it takes to upgrade.
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98 technoviolet M3/2/5 Quote:
Originally Posted by boostfever Westopher is correct. | Quote:
Originally Posted by fsy82 seems like you got a dick up your ass well..get that checked | Quote:
Originally Posted by punkwax Well.. I’d hate to be the first to say it, but Westopher is correct. | |
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01-03-2022, 01:52 PM
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#19892 | Rs has made me the woman i am today!
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Originally Posted by westopher Looking at places right now is rough. Anything we want to move into in North Van is north of 900k. We love our place, but with a baby it's getting to feel quite small. We set up the den as her room, and it's going to be good for a bit, but it's not a long term solution. Our place is so nice, but to move laterally in quality and get an extra bedroom is 250k essentially. It's a tough pill to swallow. We are also looking for 1 bedrooms in the neighbourhood for my Mom potentially as she wants to move from edmonton, but her 4 bedroom house will buy her a shitty place here lol. I really feel for the people 5 years younger than us that are looking to get into the market. I know I am a broken record, but people of all socioeconomic classes are important for a city to function, and I just don't get how it's going to continue where you need to be the top 10% of income earners to ever own anything at all. | Quote:
Originally Posted by Traum Congrats on the little person coming soon!
Don't look at getting the extra bedroom as a $250k thing, cuz as soon as you do that, you might as well factor in the income loss from parental leave along with a whole bunch of other newly added costs.
I still remember the first day when we moved into our new larger place, and our litter person finally had enough space to run around in circles in the living room, instead of the L-shaped 7 or 8m strip where his walking was limited to. The smile on his face was something that I will never forget, and the satisfaction I had knowing that it was the right move was something I would treasure for the rest of my life too.
Now, nevermind that my mortgage won't be paid off until I literally turn 70 years old LOL~
As daddies, we just do whatever we can within the limits of our capabilities to make this family thing work. | Quote:
Originally Posted by westopher She’s here already! I’m not looking at it from a financial stress perspective though, don’t worry. Money comes and goes, it’s all good. I know we have options to move somewhere that isn’t as expensive as NV, but this is definitely a place I’d like to raise a child as I’m already looking at snowboard gear for her a month in haha.
It’s just a vent about the whole situation here. It’s so absurd what it takes to upgrade. | What Traum said about the house. He wasn't a huge fan of being home when we were in the townhouse, now he won't leave the house. Its the difference between having 10-15ft for him to run back and forth, and now he can run in a circle around the house (our main floor forms a circle with the stairs and laundry room in the middle.)
We think the house is too big because we actually need to clean it, but he can have his toys all over the place and can still run around; kids will always love a bigger place. We took on a ginormous mortgage, but it was a calculated bet that realistically was always going to be a win in Vancouver. And hey I have a 2 car garage.
Worse case scenario we sell the house in 5-10 years and live mortgage free at a smaller place because it's gone up so much in price. The first few years are going to be tough but I just need to suck it up. I managed to make it work without selling my car so it's a huge win for me already.
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01-03-2022, 02:43 PM
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#19893 | Rs has made me the man i am today!
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Originally Posted by EvoFire What Traum said about the house. He wasn't a huge fan of being home when we were in the townhouse, now he won't leave the house. Its the difference between having 10-15ft for him to run back and forth, and now he can run in a circle around the house (our main floor forms a circle with the stairs and laundry room in the middle.)
We think the house is too big because we actually need to clean it, but he can have his toys all over the place and can still run around; kids will always love a bigger place. We took on a ginormous mortgage, but it was a calculated bet that realistically was always going to be a win in Vancouver. And hey I have a 2 car garage.
Worse case scenario we sell the house in 5-10 years and live mortgage free at a smaller place because it's gone up so much in price. The first few years are going to be tough but I just need to suck it up. I managed to make it work without selling my car so it's a huge win for me already. | I echo this too. My new place has our primary living space all on one floor (about 1350sf) compared to splitting it over 2 floors and our kid loves it. We can chase each other around our kitchen island easily now and all her toys are on one floor now so it's easy for her to haul it around wherever she wants. Our yard is big enough that I was able to build a sled track in the back and go sledding with her every morning (my wife said it seemed like I was really building it for myself).
I pushed most of our chips in to make it happen but it's been worth it cause it's our forever home and I don't really care where the market goes now cause I'm out of it for the next 40 years.
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01-03-2022, 05:49 PM
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#19894 | My homepage has been set to RS
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The wealth gap is definitely going to show it's nasty little head in the years to come.
It's going to be really sad, but the variance of wealth between your friend group is going to be drastic in about 20 years.
I tell my wife this all the time, we save diligently and it still doesn't feel like it's enough. I don't know how people are going to live in 20 years if they don't have savings/investments. It's going to be a rude awakening for a lot of my friends and family.
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01-03-2022, 05:51 PM
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#19895 | Rs has made me the woman i am today!
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Originally Posted by supafamous I echo this too. My new place has our primary living space all on one floor (about 1350sf) compared to splitting it over 2 floors and our kid loves it. We can chase each other around our kitchen island easily now and all her toys are on one floor now so it's easy for her to haul it around wherever she wants. Our yard is big enough that I was able to build a sled track in the back and go sledding with her every morning (my wife said it seemed like I was really building it for myself).
I pushed most of our chips in to make it happen but it's been worth it cause it's our forever home and I don't really care where the market goes now cause I'm out of it for the next 40 years. | You won't be haha. 10-15years I think, once the kid is in university/college/working you are gonna want to change it up.
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01-03-2022, 06:32 PM
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#19896 | I answer every Emotion with an emoticon
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I do believe there is a lot of generational wealth though. People in their 50's and 60's will help their kids get their foot in the market by helping out with $100-200K (or more) down payment.
At least that's how it works in the Asian culture.
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01-03-2022, 07:31 PM
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#19897 | Rs has made me the man i am today!
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Originally Posted by whitev70r I do believe there is a lot of generational wealth though. People in their 50's and 60's will help their kids get their foot in the market by helping out with $100-200K (or more) down payment.
At least that's how it works in the Asian culture. | |
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01-03-2022, 07:42 PM
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#19898 | Network Admin Team
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Looking to upgrade to a newer townhouse in Coquitlam since November but I've seen prices go from 900k-ish to 1.2 in a month for a 2/3-bed. Meanwhile, my current older 3-bed th is stuck at the high 600k range. Fredericton, Nova Scotia is looking better by the day...
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01-03-2022, 07:52 PM
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#19899 | Network Admin Team
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Originally Posted by whitev70r I do believe there is a lot of generational wealth though. People in their 50's and 60's will help their kids get their foot in the market by helping out with $100-200K (or more) down payment.
At least that's how it works in the Asian culture. | Imo and speaking from my personal experience, Asians that came here in the 70's/80's were dirt poor. My dad arrived in Canada with $10 in his pocket. Vacations / Family outings were PNE opening day's when it was free. Taking time off was only to work on things around the house. They don't want that hard work to go for nothing.
Asian culture doesn't understand the concept of blow it all before they go. Like the Patek Philippe slogan, "You never actually own a Patek, you merely just look after it for the next generation."
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01-03-2022, 08:10 PM
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#19900 | Rs has made me the man i am today!
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Originally Posted by rb Imo and speaking from my personal experience, Asians that came here in the 70's/80's were dirt poor. My dad arrived in Canada with $10 in his pocket. Vacations / Family outings were PNE opening day's when it was free. Taking time off was only to work on things around the house. They don't want that hard work to go for nothing. | I grew up only slightly better off - our treat for dinner was when coupons came in for Church's or Arby's (my love for both remains deep) and we'd go there to eat. I don't think I stepped into a White Spot more than a few times as a kid cause that was too much money. Mom worked a couple waitressing jobs at Denny's and Bino's in the early days. Somehow my parents gave both my brother and I $25k each to buy a place 16 years ago which kicked off everything else for me financially.
My wife's family was even poorer - only her mom worked and she made lifejackets for minimum wage for 25+ years while raising 3 kids. I have no idea how they made it work.
BUT the mind blowing part for me is that both sets of parents paid off their East Van homes and are sitting on a couple million bucks now. Like WHAT? And both sets of parents are planning to give us (5 kids in total) the homes when they pass (or sooner). Both still live frugally - they buy the cheapest paper towels and the no name brands of everything. My MIL even gives us cash gifts - she gave us a grand as a gift when we moved into our house! I can't get her to stop either and she won't spend it on herself.
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