Kelly Bayne at REMAX, 21 Drew Street, Oshawa, ON (2026)

10/09/2026

🎉 WHAT’S HAPPENING THIS WEEKEND?

Thanksgiving weekend is here! 🦃 Whether you're spending time with family, heading out for a little fall adventure or just looking for an excuse to get outside before the colder weather arrives, there's plenty to do this long weekend!

Here's a look at a few things worth checking out!

📍DURHAM REGION

🎃 Pumpkin Palooza – Port Perry (Saturday, Sunday & Monday)
Willowtree Farm is celebrating Thanksgiving weekend with its fall festival! Enjoy pumpkin picking, farm activities and plenty of seasonal fun.

🚜 Pumpkin Festival – Greenbank (All Weekend)
Head to Forsythe Family Farms for pumpkin fields, farm animals, wagon rides and lots of family fun. There's even live fiddle music planned for Thanksgiving Monday!

🏴‍☠️ Corn Maze Pirate Puzzle Hunt – Sunderland (Saturday & Sunday)
Remember this one from a couple of weeks ago? Buzzing Bees Adventure Farm is still running its pirate-themed puzzle hunt through a 10-acre corn maze. Solve the clues and see if you can unlock the treasure!

🎃 Fall Harvest at Knox's Pumpkin Farm – Hampton (Saturday & Sunday)
Pumpkins, farm activities and a chance to enjoy the countryside at one of Clarington's longtime fall destinations.

🎸 Simply Queen – Oshawa (Saturday Evening)
Looking for something that doesn't involve pumpkins? Head to the Regent Theatre for a live tribute to Queen, featuring the band's biggest hits.

📍 KAWARTHA LAKES & NEARBY

🦃 10th Annual Fenelon Falls Turkey Trot – Fenelon Falls (Saturday)
Start Thanksgiving weekend with a little exercise! The annual Turkey Trot gets underway at Garnet Graham Park at 10 AM. A fun way to get moving while supporting a community event.

🎡 158th Annual Norwood Fair – Norwood (Saturday through Monday – Nearby)
If you love a traditional country fair, this one's worth the drive! The Norwood Fair is back with agricultural competitions, livestock, entertainment, exhibits and all the food and fun you'd expect from one of the region's biggest fall traditions.

🛍️ Fall Harvest Craft Show – Buckhorn (Saturday & Sunday – Nearby)
The Buckhorn Community Centre is hosting more than 85 artisans selling everything from home décor and clothing to candles, food and handmade gifts. Admission is $5.

🎃 Pumpkinfest – Buckhorn Area (Saturday)
McLean's & Buckhorn Berry Farms is celebrating the season with wagon rides, pumpkin picking and family activities. A great option if you're looking for a traditional fall farm outing.

📍 NORTHUMBERLAND

🦃 Northumberland Turkey Trot – Cobourg (Monday)
Get moving before Thanksgiving dinner! This annual YMCA Northumberland fundraiser offers a variety of run and walk options for different ages and abilities, all in support of the YMCA Strong Communities Campaign.

🍎 Fall Farm Markets – Warkworth & Area (All Weekend)
Take a drive through the Northumberland countryside and stop at some of the local farm markets for apples, pumpkins, squash, preserves and other Thanksgiving favourites. Robin's Nest Farm Market near Warkworth is one option worth checking out.

🥕 Saturday Farmers' Markets – Cobourg, Port Hope & Hastings (Saturday)
If you're still picking up a few things for Thanksgiving dinner, why not shop local? The farmers' markets are a great place to find fresh produce, baking, preserves and handmade goods.

🍁 Fall Colours & Salmon Watching – Port Hope (All Weekend)
Looking for something that doesn't require a ticket or a schedule? Take a stroll along the Ganaraska River, enjoy the changing leaves and keep an eye out for the salmon making their annual journey upstream.

🍂 Whether your weekend involves turkey dinner, pumpkin picking, a country drive or simply enjoying a little extra time off, I hope you get a chance to enjoy it!

📍 Did I miss a great event? Drop it in the comments so everyone can check it out.

Happy Thanksgiving, and have a wonderful long weekend! 🍂

10/07/2026

📌REAL ESTATE IN THE NEWS 👇🏻

Approved doesn't necessarily mean built.

We regularly hear that a municipality has approved hundreds — or even thousands — of new homes. And it's easy to assume those homes are now on their way.

Not necessarily.

Getting municipal approval is obviously an important step, but there can still be a pretty big gap between receiving approval and actually putting a shovel in the ground.

Financing has to work. Construction costs have to make sense. There has to be enough buyer or tenant demand. And ultimately, the project still has to make financial sense to build.

The Whitby story looks at another side of that gap.

What happens to the property while everyone is waiting?

Council has asked staff to look at sites that have been sitting dormant or undeveloped for 12 to 24 months, and whether the Town's existing bylaws are enough to deal with the problems they can create for the surrounding neighbourhood.

I'll link the article below if you'd like to read more about what Whitby is considering.

But from a real estate perspective, I think there's a bigger takeaway here:

The next time you hear that thousands of new homes have been "approved," it's worth asking how many of them are actually being built.

Because an approval tells us what can be built.

It doesn't necessarily tell us what will be built — or when.

Click here to read more 👉 https://www.durhamregion.com/news/council/whitby-councillors-frustrated-by-dormant-abandoned-places/article_82a56ce7-9efa-59b7-ad33-cb93bde4012d.html

10/05/2026

🔥 QUESTION OF THE WEEK 🔥

If you have to pay property taxes forever...do you ever really own your home?

I came across this post and thought...

Well, that's an interesting way of looking at it. 😂

Because while I don't agree with the conclusion, there is a little bit of truth buried in there.

Even after you've made your very last mortgage payment, you'll continue paying property taxes for as long as you own the property.

And if you don't pay them?

Well...that's where things start to go sideways...

I actually went down this particular rabbit hole recently while researching tax sales for one of my 'Inside the Market' notes.

In Ontario, if property taxes remain unpaid long enough, there is a process that can eventually result in the municipality selling the property. There are notices, timelines and opportunities to pay along the way — so we're certainly not talking about missing a property tax payment and losing your house — but ultimately, yes, unpaid property taxes can result in you losing your home.

So...does that mean we're really just renting our homes from the government?

No.

If you own your home, you own it. The equity is yours. You can sell it, rent it, renovate it (within the rules, of course 😂) or leave it to someone in your will.

But owning a home doesn't mean there aren't ongoing costs and obligations that come along with it.

And property taxes are one of them.

So I think there's an interesting point buried in this post...

You can pay off your mortgage. You can't really “pay off” the cost of owning a home.

PS If you're curious about the tax sale I mentioned, you can read more about it in my latest 'Inside the Market' note 👉 https://www.dropbox.com/scl/fi/3bljy2p3v7jb44d41ve2s/Inside-the-Market-in-September.pdf?rlkey=tet1ks0ogak4xpqx0elbkmfjv&st=ifz7qslc&dl=0

10/02/2026

🎉 WHAT’S HAPPENING THIS WEEKEND?
And just like that, it's October! 🍁 If you're looking for an excuse to get out and enjoy the first weekend of the month, there's a great mix of art, music, farm fun, community events and plenty of fall activities to check out!

📍 DURHAM REGION

🎨 43rd Fall Art Festival – Oshawa (Saturday & Sunday)
More than 50 Durham artists and over 500 original works of art will be on display at Camp Samac this weekend. Meet the artists, watch demonstrations and maybe even find something new for your walls. Admission and parking are free.

🎭 Culture Days Trailside Finale – Bowmanville (Sunday)
Clarington is wrapping up Culture Days with a free celebration along the Marie Hubbard Trail. Expect live painting, interactive art, workshops, music, a puppet show, story walk, food trucks and plenty for the kids to try along the way.

🏟️ Bowmanville Community Complex Open House – Bowmanville (Saturday)
Want a sneak peek inside Clarington's brand-new community complex? The doors are opening from 1–5 PM so you can check out the new FIFA-sized multi-sport dome, learn about upcoming programs and enjoy family activities and giveaways.

🛍️ Shop Clarington Showcase – Bowmanville (Saturday)
Discover some of the businesses right in our own backyard at the Garnet B. Rickard Recreation Complex. Local businesses, products and services will all be under one roof from 10 AM–4 PM.

🥾 Countryside Preserve Guided Trail Walk – Uxbridge (Saturday)
Enjoy the changing season with a guided one-hour walk through the Uxbridge Countryside Preserve. You'll learn a little about the preserve along the way—and maybe discover a new favourite trail.

🎃 Fall Harvest at the Farm – Durham Region (Saturday & Sunday)
Pumpkin season is officially here! Several local farms have their fall activities underway, with pumpkins, wagon rides, corn mazes, farm animals and plenty of opportunities to embrace all things autumn.

📍 KAWARTHA LAKES

🚜 24th Annual Kawartha Farmfest – Across Kawartha Lakes (Saturday)
This is a great one if you've ever wondered what's happening behind those farm gates! Nine local farm families are opening their properties for a self-guided driving tour, with farm and food experiences, demonstrations and activities along the way. The tour runs from 10 AM–4 PM.

🧸 Kawartha Hobby, Toy & Collectible Show – Kawartha Downs (Saturday)
Collectors—or anyone who enjoys a little nostalgia—can browse toys, hockey cards, coins, Pokémon cards and all kinds of other collectibles from 9 AM–2:30 PM.

🚤 Kawartha Lakes Charity Fall Run – Bobcaygeon (Saturday)
Performance boats take to the Trent-Severn Waterway from Birch Point Marina for the final run of the season, raising funds for the Kawartha Lakes Spirit of Christmas.

🚶 Walk with Bhante Bo – Bethany (Sunday)
Looking for something a little quieter? Take a free guided walk through the grounds of Wutai Shan Buddhist Garden and learn the stories and traditions behind its statues and sacred sites.

📍 NORTHUMBERLAND COUNTY

🍁 Fall Colours & the Salmon Run – Port Hope (All Weekend)
This one isn't really an “event,” but it's one of those only-at-this-time-of-year outings. Take a walk along the Ganaraska River and you may catch the annual salmon migration while enjoying the beginning of the fall colours.

🏮 Autumn Glow: Mason Jar Lanterns – Cobourg (Saturday)
Get creative at the Northumberland County Archives and Museum and turn a simple Mason jar into your own autumn lantern. Paint pumpkins, leaves, owls or a Northumberland-inspired scene, then add an LED light to make it glow. Registration is required.

👟 Every Move Matters – Cobourg (Saturday)
Northumberland County is hosting a free community event at Cobourg Collegiate Institute focused on something pretty simple—getting kids moving more through everyday play. The morning includes an engaging keynote and practical ideas for parents, caregivers and anyone who works with young children. Registration is required.

🥕 Saturday Farmers' Markets
Or keep it simple with a fall market morning. Local markets are still running in communities around Northumberland, making this a great time of year for apples, squash, baked goods and other local finds.

🍁 We're officially into that short-but-beautiful stretch of the year when the air is crisp, the leaves are starting to change and there's a pumpkin around every corner. 😂 We might as well enjoy it while we can!

📍 Did I miss a great event? Drop it in the comments so everyone can check it out.

Have a fantastic weekend!

09/30/2026

October Newsletter🎯News You Can Use
(includes the latest market data)

Click here for page 2 👉https://www.dropbox.com/scl/fi/0fkisykfoytguqp2ga3pd/At-Home-in-Durham-in-October.pdf?rlkey=w40r5k3e9gsi2kmjsf95d9zx5&st=96ub1jge&dl=0

09/28/2026

🔥 QUESTION OF THE WEEK🔥

If a house is being sold “As Is, Where Is”...does that mean there’s something wrong with it?

Those four little words in a listing can sound a little ominous.

AS IS, WHERE IS

It’s pretty easy to read that and think...

Okay...what’s wrong with it? 😂

But it doesn't necessarily mean there's a big problem with the house.

Sometimes it's there because the seller simply isn't in a position to make a lot of promises about the property.

An estate sale is a good example. The person selling the home may never have lived there. They may genuinely have no idea whether the dishwasher works, when the roof was last replaced or why there's a mysterious switch in the basement that apparently does absolutely nothing. 😂

You'll also often see this kind of wording with a Power of Sale.

So when I see "As Is, Where Is,” I don't automatically think there must be something wrong with this house.

I think we need to do a little more homework.

What exactly is the seller willing to warrant? Can we do an inspection? Are there permits or municipal records we should be checking? Are the appliances included but without any guarantee they'll actually be working on closing?

Basically...what do we know, what don't we know, and what can we find out before you commit to buying it?

Would I automatically tell a buyer to walk away because a property is being sold “As Is, Where Is”?

No.

But I also wouldn't ignore those words and assume they're just boilerplate.

"As Is” isn't necessarily a red flag...but it is a pretty good reason to start asking questions.

09/25/2026

🎉 WHAT’S HAPPENING THIS WEEKEND?

Well, it's official...fall is here! 🍁 And if you're ready to lean into it, this weekend has a little bit of everything—fall festivals, live music, farm fun, community events and even a few things that are a little out of the ordinary.

Here's some of what's happening in and around our area this weekend!

📍DURHAM REGION

🌎 Durham Newcomer Day – Whitby (Saturday)
Durham Region is hosting its first-ever Newcomer Day at Regional Headquarters from 10 AM–2 PM. It's a free, family-friendly celebration featuring cultural performances, community exhibits, a vendor marketplace, children's activities and more.

🔥 Culture Days at the Cannington Blacksmith Shop – Cannington (Saturday)
Step inside Cannington's restored 1895 Blacksmith Shop and see costumed interpreters bring a little local history to life. The free Culture Days open house runs from 10 AM–4 PM.

🦬 Farm Pairings – Uxbridge (Saturday)
Here's something a little different! Visit Thunder Ridge Bison Co. and learn how the farm partners with local businesses to create farm-to-table meals using ingredients grown and raised right here in the area.

🏴‍☠️ Corn Maze Pirate Puzzle Hunt – Sunderland (Saturday & Sunday)
Here's something a little different! Head to Buzzing Bees Adventure Farm and make your way through a 10-acre corn maze while searching for eight hidden stations and solving escape-room-style pirate puzzles along the way.

🎮 Ultimate Video Game Tournament – Pickering (Saturday)
Think your Super Smash Bros. skills are pretty good? Put them to the test in a live tournament featuring professional esports commentator Omar “Meez” Williams.

🎭 Little Shop of Horrors – Oshawa (Saturday Evening)
Oshawa Little Theatre brings the darkly funny musical *Little Shop of Horrors* to the stage Saturday night—with a certain very hungry plant at the centre of it all.

📍 KAWARTHA LAKES

🍔 Fenelon Falls BBQ & Bake Sale – Fenelon Falls (Saturday)
Stop by Fenelon Falls United Church between 11 AM–2 PM for hamburgers, hot dogs, baked goods and a treasure sale.

🐦 DIY Pinecone Bird Feeder Workshop – Lindsay (Saturday)
Bird Friendly Kawartha Lakes is hosting a hands-on workshop at the Lindsay Library where kids and families can make their own pinecone suet feeder for the backyard birds.

🎲 Family Games & Activities – Lindsay & Bobcaygeon (Saturday)
Looking for an easy indoor outing? The Kawartha Lakes Public Library has family activities happening Saturday, including STEAM kits and stories at the Lindsay branch and an all-ages board game drop-in at Bobcaygeon.

🎣 39th Annual Stoney Lake Combo (Saturday & Sunday)
Anglers take to Stoney Lake this weekend for the annual two-day fishing tournament, with a variety of trophies and prizes up for grabs.

📍NORTHUMBERLAND

🎶 Cultivate Festival – Port Hope (All Weekend)
This one has a LOT going on! Cultivate returns to Haute Goat Farm for its 10th edition, bringing together live Canadian music, local food, art, workshops, kids' activities and farm fun across 200 acres. This year's performers include Terra Lightfoot, Cuff the Duke, Lemon Bucket Orkestra, Melissa Payne and many more.

🍎 Brighton Applefest – Brighton (All Weekend)
If you've been waiting for a truly fall-feeling event, this might be it! Applefest takes over Brighton with a huge street fair, live music, children's activities, a car show, food, vendors and, naturally, plenty of apples. There are different activities happening throughout the four-day festival, so check the schedule before you head out.

🏎️ Applefest Shootout – Brighton (Saturday)
And if your idea of Applefest needs a little more horsepower, head to Brighton Speedway Saturday for the Applefest Shootout featuring DIRTCar 358 Modifieds, Sportsman, Late Models, Thunder Stocks and more.

🥕 Campbellford Farmers' Market – Campbellford (Saturday)
Spend Saturday morning browsing local produce, meats, baking, maple syrup, honey, flowers and handmade goods along the Trent River.

🛍️ Vendor Market at Golden Beach Resort – Roseneath (Saturday)
Or head to Golden Beach Resort for its Saturday morning vendor market and browse local vendors from 9 AM–1 PM.

🍁 I think we've officially crossed over from "trying to hang onto summer" to "bring on the fall fairs, apples and pumpkins!" Whatever you're in the mood for, there's lots happening close to home this weekend.

📍 Did I miss a great event? Drop it in the comments so everyone can check it out.

Have a fantastic weekend!

09/23/2026

📌REAL ESTATE IN THE NEWS 👇🏻

When you hear the words "affordable housing", what comes to mind?

For a lot of people, I think the first thought is subsidized or below-market rental housing.

But that’s not always what it means.

Last week, the Town of Ajax and Habitat for Humanity GTA announced plans for up to 66 affordable homeownership units on Rossland Road West.

Yes — homeownership, not rentals.

And I thought the way affordability is being approached with this project was worth sharing.

Eligible household incomes are anticipated to be somewhere between $70,000 and $130,000, with the actual eligibility requirements to be established by Habitat for Humanity GTA.

But here’s the part that caught my attention...

Total housing costs — including the mortgage payment, condo fees, property taxes and home insurance — would be capped at 32% of the homeowner’s household income.

That speaks to a group that I think sometimes gets overlooked when we talk about housing affordability.

People who have a decent household income, but still can’t quite make the numbers work to buy a home through the traditional route.

Ajax Council has authorized $9 million toward the project, with that funding coming through a combination of provincial and federal housing programs and the Town’s Strategic Initiatives Reserve. The proposed development would also be made up primarily of three- and four-bedroom homes.

Obviously, 66 homes aren’t going to solve Durham’s affordability problem.

But I do think this is an interesting example of what "affordable housing" can actually look like — because it isn’t always what we assume it is.

And maybe that’s part of the bigger conversation.

For people who can afford more than a subsidized rental, but still can’t make traditional homeownership work, do we need more options somewhere in between?

What do you think?

Click here to read the full announcement 👉 https://ajax.ca/news-notices/ajax-council-welcomes-habitat-for-humanity-gta-affordable-homeownership-project/?

09/21/2026

🔥 QUESTION OF THE WEEK 🔥

Do you speak Real Estate?

Buying or selling a home sometimes comes with its own language.

Irrevocable.
Chattels.
Requisition date.
Status certificate.
Firm.
Conditional.

And then there are the acronyms...

CMA. APS. POTL. DOM.

If you don't know what half of those mean, you're probably not alone.

Those of us who work in real estate use these terms every day, and sometimes I think we forget that most people don't.

So for this week's Question of the Week, I thought I'd do something a little different and translate some of the real estate terms you're most likely to hear when you're buying or selling a home — into plain English.

And if your REALTOR® ever uses a term you don't understand...ask.

Seriously.

There's no reason you should feel like you're supposed to understand real estate terminology just because the people around you are using it.

There are no stupid questions...just an awful lot of real estate jargon. 😂

09/18/2026

🎉 WHAT’S HAPPENING THIS WEEKEND?
We're heading into the last official weekend of summer—and apparently no one told the local event calendars to slow down! 😄 From fall fairs and harvest festivals to live music, art and a few unique outings, there's lots to do this weekend!

📍 DURHAM REGION

🎶 Convergence Music + Art Festival – Oshawa (Saturday & Sunday)
Downtown Oshawa comes alive with three stages of live music, art installations, entertainment, shopping and plenty more to explore. The festival runs from noon–9 PM both days and admission is free.

🎡 Beaverton Fall Fair – Beaverton (Friday & Saturday)
It's fall fair season! The 171st Beaverton Fall Fair brings together agricultural exhibits, competitions, entertainment, midway fun and all the traditional favourites you'd expect from a country fair.

🍂 Brooklin Harvest Festival – Whitby (Saturday)
Celebrate the changing season in downtown Brooklin with a free afternoon of family activities, entertainment, local businesses and plenty of fall fun.

🎨 Culture Days – Port Perry (Saturday & Sunday)
There is a LOT happening around Port Perry for Culture Days—more than 50 activities across seven locations! Try your hand at art, learn an instrument, go kayaking, join a line-dancing session, explore gardens and more.

🎸 Winding Roads Festival – Port Perry (Saturday)
Enjoy an evening of live music while supporting a great cause. This annual concert fundraiser benefits Big Brothers Big Sisters of North Durham and celebrates its 11th year this weekend.

🧚 Fairy Tour – Pickering (Saturday & Sunday)
Pickering Museum Village is being taken over by fairies, gnomes and other mythical creatures! Families can explore themed stations, hear folklore-inspired stories, take part in activities and make crafts to bring home.

📍 KAWARTHA LAKES

🎡 Lindsay Exhibition – Lindsay (Saturday & Sunday)
The LEX kicks off this weekend! One of Kawartha Lakes' biggest annual traditions returns with agricultural competitions, livestock, midway rides, food, entertainment and plenty more—with events continuing through next weekend.

✈️ New Runway Celebration – Lindsay (Saturday)
Here's something a little different! Kawartha Lakes Municipal Airport is celebrating its new runway with a community event featuring aircraft, classic cars and other activities from 9 AM–2 PM.

🧼 Introduction to Soapmaking – Bobcaygeon (Saturday)
Learn the basics of traditional cold-process soapmaking and create your own customized batch to take home. No experience necessary—but advance registration is required.

🚶 Journey for Health – Kinmount (Saturday)
Join the 28th annual community walk at Austin Sawmill Heritage Park while helping support the Kinmount District Health Services Foundation.

📍 NORTHUMBERLAND

🎡 Port Hope Fair (All Weekend)
Another great old-fashioned fall fair! The Port Hope Fair features a midway, demolition derby, truck and tractor pulls, livestock and horse shows, a petting zoo, live music, children's activities and lots more.

🏛️ Northumberland Archives & Museum Open House – Cobourg (Saturday)
Go behind the scenes at the museum, explore the Indigenous-led "Gidinawendimin" exhibition and learn a little more about Northumberland's history. Admission is free.

🏃🐕 Run, Walk & Wag – Warkworth (Saturday)
Walk, run—or bring the dog! Choose from several distances, including a kids' 1K, while raising funds for The Bridge Hospice.

📖🎶 Once Upon a Time at Westben – Campbellford (Saturday)
This is an interesting one for book and music lovers. Westben's intimate fall fundraiser brings acclaimed Canadian author Jane Urquhart together with Toronto Symphony Orchestra principal harpist Heidi Elise Bearcroft and pianist Brian Finley for an afternoon of storytelling, music and conversation.

🏃 Terry Fox Runs – Cobourg & Port Hope (Sunday)
Both communities will be coming together Sunday morning for their annual Terry Fox Runs in support of cancer research. Walk, run, roll or cycle—the events are non-competitive and open to everyone.

🥕 Saturday Farmers' Markets
Or keep things simple with a market morning! Cobourg, Port Hope, Campbellford and Hastings all have farmers' markets running Saturday with fresh local produce, baking, meats, crafts and more.

☀️ It's one of those weekends where summer and fall seem to overlap—so whether you're hanging onto summer or ready for all things fall, there should be something on this list for you!

📍 Did I miss a great event? Drop it in the comments so everyone can check it out.

Have a fantastic weekend!

Kelly Bayne at REMAX

10/09/2026

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