Stewart J Lowe & Associates

Direct: 403-850-0669 |


Things to remember when Buying an acreage!

Big City Calgary living isn’t for everyone, some people long to look up at stars instead of city lights. Moving out of a metropolis to areas like Springbank, Bearspaw or Priddis might be next on your bucket list. If so, here are three things we need to look at:

  1. How many acres are we talking? 5-10 acres is usually easier for a buyer because the mortgage generally qualifies parallel to a regular city home. The minimum down payment will normally be 5% of the purchase price if the property is under $1 Million.  Over a million and a minimum down payment will be 20%. Remember that an appraisal will be required in most instances, and a lender will generally only give value for up to 10 acres, the house and garage. "Outbuildings" such as shops, barns, and Quonsets are almost always not included in the value of an appraisal.
  2. Zoning of the property must comply if we are treating it as a regular residential mortgage vs. agricultural land. "Country Residential" is commonly the zoning for these types of properties.  Rural is a larger acreage frequently 40, 80, or 160 acres (160 acres =1/4 section). Agricultural land is for farming use and cannot be financed by normal mortgage companies or banks.
  3. Septic tanks and wells are typically found on acreages, which means a water potability test must be completed and a septic certificate is required from the municipality to confirm best practice. The lender needs to know that the water is safe. (We can help you with this.)
REQUEST HOME EVALUATION 

Keep in mind that income generated from an acreage will not be included to help you qualify for the mortgage.  In fact, if a great deal of income is currently being generated by the current owner from such things as mineral rights, or leasing the fields to a farmer, this may raise a flag to lenders who may consider this more like a farm loan or business loan instead which is a completely different process.


We hope this was informative, please contact me anytime if you have any questions.

Direct: 403.850.0669


*Stewart J Lowe is a Guild Member of The Institute of Luxury Home Marketing. This is based on proven sales data and client service in the rural and residential areas around Calgary.


Experience Counts


stewartjlowe@gmail.com


Alberta Rural Land For Sale

Rural LandSearch Foothills,Rocky View, Bighorn,Mountain View & Wheatland County Alberta

Rural land Search including MD Foothills County,Rocky View County, MD Bighorn,Mountain View & Wheatland County Alberta Canada
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  • Cross Iron Drive in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4270148

    Cross Iron Drive Rural Rocky View MD Rural Rocky View County T0M 0E0
    Main Photo: Cross Iron Drive in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4270148
    • Photo 1: Cross Iron Drive in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4270148
    $25,000,000
    Land
    Status:
    Active
    MLS® Num:
    C4270148
    103.78 acres on the south side of Cross Iron Drive across the road from the new Wal-mart warehouse. Water and Sewer connection already on the north side of property. This land is zoned light industrial and is ready to go. Surrounded by Commercial/Industrial development.Borders Dwight McLellan Trail on SW corner and fronts Crossiron Drive on north. East Balzac Area Structure Plan is developing an Industrial node anchored by Ivanhoe Cambridge Cross Iron Mills regional shopping centre, Nose Creek Business park, Casino, Horse racing track, New Horizon Mall. Services on Crossiron Drive and Dwight McLelan Tr. Conceptual Scheme and land use approved, this is a timely investment in the middle of "where the action is"!Close to International Airport, Hotels and Major transportation corridors. More details
    Listed by RE/MAX REALTY PROFESSIONALS
    Stewart J Lowe
  • W:5 R:3 T:24 S:34 Q:SE in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4144460

    W:5 R:3 T:24 S:34 Q:SE Rural Rocky View MD Rural Rocky View County T3Z 2E4
    Main Photo: W:5 R:3 T:24 S:34 Q:SE in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4144460
    • Photo 1: W:5 R:3 T:24 S:34 Q:SE in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4144460
    • Photo 2: W:5 R:3 T:24 S:34 Q:SE in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4144460
    • Photo 3: W:5 R:3 T:24 S:34 Q:SE in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4144460
    $13,500,000
    Land
    Status:
    Active
    MLS® Num:
    C4144460
    Offered for sale for the first time, this continuous 121 + acre parcel is strategically located on the Calgary / Banff corridor. This site is highly exposed to both local and sought after tourist and vacation traffic. Utility services are available and located nearby. More details
    Listed by RE/MAX HOUSE OF REAL ESTATE
    Stewart J Lowe
  • HWY # 1 & 100 Street NE C in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4288345

    HWY # 1 & 100 Street NE C Rural Rocky View MD Rural Rocky View County T1X 1G2
    Main Photo: HWY # 1 & 100 Street NE C in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4288345
    • Photo 1: HWY # 1 & 100 Street NE C in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4288345
    • Photo 2: HWY # 1 & 100 Street NE C in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4288345
    • Photo 3: HWY # 1 & 100 Street NE C in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4288345
    • Photo 4: HWY # 1 & 100 Street NE C in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4288345
    • Photo 5: HWY # 1 & 100 Street NE C in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4288345
    $12,900,000
    Land
    Status:
    Active
    MLS® Num:
    C4288345
    67.98 ACRES of PRIME LAND with potential for COMMERCIAL ZONING w/FANTASTIC HIGHWAY Frontage along TRANS CANADA HIGHWAY + the East EDGE of CALGARY. Currently Zoned Ranch and Farming + Located in the CONRICH Area Structure Plan, + Likely could be RE-Zoned for HIGHWAY BUSINESS with an Ideal End User is a BIG BOX STORE or LARGE GROCERY RETAILER. ROCKYVIEW COUNTY wants to get this AREA DEVELOPED + Timing could be IDEAL for the RIGHT Buyer looking to move forward on this ideal HIGH VISIBILITY LOCATION. QUICK + EASY ACCESS to STONY TRAIL, HIGHWAY 1, GLENMORE TRAIL, NE CALGARY, SE CALGARY, City of CHESTERMERE, Town of STRATHMORE, ETC. Endless possibilities for the QUALIFIED Buyer. Easy Shipping Access from YYC and RAIL HUB. Please check with Listing Agents for further details! More details
    Listed by RE/MAX REAL ESTATE (MOUNTAIN VIEW)
    Stewart J Lowe
  • 260182 WRITING CREEK Crescent: Balzac Vacant Lot for sale : MLS®# C1025910

    260182 WRITING CREEK Crescent Balzac Balzac T4A 0M9
    Main Photo: 260182 WRITING CREEK Crescent: Balzac Vacant Lot for sale : MLS®# C1025910
    • Photo 1: 260182 WRITING CREEK Crescent: Balzac Vacant Lot for sale : MLS®# C1025910
    • Photo 2: 260182 WRITING CREEK Crescent: Balzac Vacant Lot for sale : MLS®# C1025910
    $9,872,500
    Land
    Status:
    Active
    MLS® Num:
    C1025910
    17.95 acres adjacent to CrossIron Mills, next to New Horizons Mall. Possible uses include Motel, Equipment, Automotive or RV Dealership, Tire Shop, Liquor Store, Bottle Depot. Ideal holding property or development as future mall. Direct Highway visibility. Owner will consider long term lease 17.75 acres across the road from New Horizon Mall. Ideal for Shopping centre, Hotel, Car or RV Dealership. Direct Highway Visibility. More details
    Listed by RE/MAX LANDAN REAL ESTATE
    Stewart J Lowe
  • W:5 R:4 T:24 S:29 Q:NE in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4272105

    W:5 R:4 T:24 S:29 Q:NE Rural Rocky View MD Rural Rocky View County T3Z 2N2
    Main Photo: W:5 R:4 T:24 S:29 Q:NE in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4272105
    • Photo 1: W:5 R:4 T:24 S:29 Q:NE in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4272105
    • Photo 2: W:5 R:4 T:24 S:29 Q:NE in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4272105
    • Photo 3: W:5 R:4 T:24 S:29 Q:NE in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4272105
    • Photo 4: W:5 R:4 T:24 S:29 Q:NE in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4272105
    • Photo 5: W:5 R:4 T:24 S:29 Q:NE in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4272105
    $9,050,400
    Land
    Status:
    Active
    MLS® Num:
    C4272105
    Five full quarters of ranchland in one block and only minutes from the City limits, direct in on the Springbank & Old Banff Coach Road. This un-subdivided land is a rare find, and presents an opportunity as a holding investment. Mobile home in the yardsite on the very south of the property bordering the road is not included in the sale and will be moved upon sale of the land. More details
    Listed by HANSEN LAND BROKERS INC.
    Stewart J Lowe
  • W:5 R:4 T:24 S:32 Q:E in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4271981

    W:5 R:4 T:24 S:32 Q:E Rural Rocky View MD Rural Rocky View County T3Z 2N2
    Main Photo: W:5 R:4 T:24 S:32 Q:E in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4271981
    • Photo 1: W:5 R:4 T:24 S:32 Q:E in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4271981
    • Photo 2: W:5 R:4 T:24 S:32 Q:E in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4271981
    • Photo 3: W:5 R:4 T:24 S:32 Q:E in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4271981
    • Photo 4: W:5 R:4 T:24 S:32 Q:E in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4271981
    • Photo 5: W:5 R:4 T:24 S:32 Q:E in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4271981
    $8,940,000
    Land
    Status:
    Active
    MLS® Num:
    C4271981
    This parcel featuring one mile of Highway #1 frontage is located between Highway #22 and the Jumping Pound Road. Ideally positioned on the North side of the Trans-Canada Highway, to capitalize on the huge volume of traffic utilizing this highway daily. Easterly 80 acre piece is being sold subject to final subdivision approval by Rocky View County. More details
    Listed by HANSEN LAND BROKERS INC.
    Stewart J Lowe
  • 16905 CENTRE Street NW in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4289371

    16905 CENTRE Street NW Rural Rocky View MD Rural Rocky View County T3P 0S5
    Main Photo: 16905 CENTRE Street NW in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4289371
    • Photo 1: 16905 CENTRE Street NW in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4289371
    • Photo 2: 16905 CENTRE Street NW in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4289371
    • Photo 3: 16905 CENTRE Street NW in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4289371
    • Photo 4: 16905 CENTRE Street NW in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4289371
    • Photo 5: 16905 CENTRE Street NW in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4289371
    • Photo 6: 16905 CENTRE Street NW in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4289371
    • Photo 7: 16905 CENTRE Street NW in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4289371
    • Photo 8: 16905 CENTRE Street NW in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4289371
    • Photo 9: 16905 CENTRE Street NW in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4289371
    • Photo 10: 16905 CENTRE Street NW in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4289371
    • Photo 11: 16905 CENTRE Street NW in Rural Rocky View County: Rural Rocky View MD Land for sale : MLS®# C4289371
    $8,800,000
    Land
    Status:
    Active
    MLS® Num:
    C4289371
    Located in Calgary, therefore residential development certainty is assured. Located within the North Sector of Calgary, which is one of Calgary’s primary development corridors; which is expected to continue to secure 25% of all new home residential demand through the period 2019 to 2023. Evidence as to the strength of the North Sector is apparent by Brookfield’s Livingston subdivision and Apex/Genstar’s Carrington subdivision. The Property has the potential to generate holding income from residential rental of the two houses, an agricultural lease for the current cattle and field operations, and the existing oil and gas facility. More details
    Listed by RE/MAX REALTY PROFESSIONALS
    Stewart J Lowe
  • 111 Westland Street: Okotoks Land for sale : MLS®# C4243563

    111 Westland Street Okotoks Okotoks T1S 1A4
    Main Photo: 111 Westland Street: Okotoks Land for sale : MLS®# C4243563
    • Photo 1: 111 Westland Street: Okotoks Land for sale : MLS®# C4243563
    • Photo 2: 111 Westland Street: Okotoks Land for sale : MLS®# C4243563
    • Photo 3: 111 Westland Street: Okotoks Land for sale : MLS®# C4243563
    • Photo 4: 111 Westland Street: Okotoks Land for sale : MLS®# C4243563
    • Photo 5: 111 Westland Street: Okotoks Land for sale : MLS®# C4243563
    • Photo 6: 111 Westland Street: Okotoks Land for sale : MLS®# C4243563
    • Photo 7: 111 Westland Street: Okotoks Land for sale : MLS®# C4243563
    • Photo 8: 111 Westland Street: Okotoks Land for sale : MLS®# C4243563
    • Photo 9: 111 Westland Street: Okotoks Land for sale : MLS®# C4243563
    • Photo 10: 111 Westland Street: Okotoks Land for sale : MLS®# C4243563
    • Photo 11: 111 Westland Street: Okotoks Land for sale : MLS®# C4243563
    $8,720,000
    Land
    Status:
    Active
    MLS® Num:
    C4243563
    OVER $3M PRICE REDUCTION!!! Excellent development land on the SW edge of Okotoks. A lot of preliminary planning has been done however Buyer should conduct its own Due Diligence. Nice west sloping property, will lend itself nicely to walkouts, and has outstanding mountain views. Contained within the new West Okotoks Area Structure Plan. More details
    Listed by ROYAL LEPAGE SOLUTIONS and ROYAL LEPAGE MISSION REAL ESTATE
    Stewart J Lowe
  • no street name: Chestermere Land for sale : MLS®# C4194837

    no street name Chestermere Chestermere T1X 0M5
    Main Photo: no street name: Chestermere Land for sale : MLS®# C4194837
    • Photo 1: no street name: Chestermere Land for sale : MLS®# C4194837
    • Photo 2: no street name: Chestermere Land for sale : MLS®# C4194837
    • Photo 3: no street name: Chestermere Land for sale : MLS®# C4194837
    • Photo 4: no street name: Chestermere Land for sale : MLS®# C4194837
    • Photo 5: no street name: Chestermere Land for sale : MLS®# C4194837
    • Photo 6: no street name: Chestermere Land for sale : MLS®# C4194837
    $7,562,000
    Land
    Status:
    Active
    MLS® Num:
    C4194837
    REDUCED! 159 Acres on Range Road 281 south of Highway 1, at $47,500 per acre, located within the CITY of CHESTERMERE, immediately east of KINNIBURGH. MDP showing primarily future residential development in this area. The Cooperative Stormwater Management Initiative (CSMI) is now underway to initiate stormwater drainage into the Western Irrigation District irrigation canal. This 159 acre parcel is available individually or together with adjoining 140 and 53 acre parcels. Chestermere Health Centre and elementary school in neighboring Kinniburgh community. Fenced and gated, viewings by appointment only. More details
    Listed by LEGACY REAL ESTATE SERVICES
    Stewart J Lowe
  • 240249 Range Road 281: Chestermere Land for sale : MLS®# C4194834

    240249 Range Road 281 Chestermere Chestermere T1X 0M5
    Main Photo: 240249 Range Road 281: Chestermere Land for sale : MLS®# C4194834
    • Photo 1: 240249 Range Road 281: Chestermere Land for sale : MLS®# C4194834
    • Photo 2: 240249 Range Road 281: Chestermere Land for sale : MLS®# C4194834
    • Photo 3: 240249 Range Road 281: Chestermere Land for sale : MLS®# C4194834
    • Photo 4: 240249 Range Road 281: Chestermere Land for sale : MLS®# C4194834
    • Photo 5: 240249 Range Road 281: Chestermere Land for sale : MLS®# C4194834
    • Photo 6: 240249 Range Road 281: Chestermere Land for sale : MLS®# C4194834
    $6,650,000
    Land
    Status:
    Active
    MLS® Num:
    C4194834
    REDUCED! 140 Acres on Range Road 281 south of Highway 1, at $47,500 per acre, located within the CITY of CHESTERMERE, immediately east of KINNIBURGH. MDP showing primarily future residential development in this area. The Cooperative Stormwater Management Initiative (CSMI) is now underway to initiate stormwater drainage into the Western Irrigation District irrigation canal. This 140 acre parcel is available individually or together with adjoining 53 and 159 acre parcels. Chestermere Health Centre and elementary school in neighboring Kinniburgh community. Home and buildings can be removed by Seller. Fenced and gated, viewings by appointment only. More details
    Listed by LEGACY REAL ESTATE SERVICES
    Stewart J Lowe
  • 1A: Ghost Lake Land for sale : MLS®# C4270296

    1A Ghost Lake Ghost Lake T0L 2C0
    Main Photo: 1A: Ghost Lake Land for sale : MLS®# C4270296
    • Photo 1: 1A: Ghost Lake Land for sale : MLS®# C4270296
    • Photo 2: 1A: Ghost Lake Land for sale : MLS®# C4270296
    • Photo 3: 1A: Ghost Lake Land for sale : MLS®# C4270296
    • Photo 4: 1A: Ghost Lake Land for sale : MLS®# C4270296
    $6,500,000
    Land
    Status:
    Active
    MLS® Num:
    C4270296
    This offering presents a once in a lifetime opportunity to purchase a tract of land that has been in the same family since the west was settled by Europeans. Situated west of cochrane on the Bow Valley Corridor to Canmore and The Rocky Mountains. A more scenic and productive property will be hard to find. The Abundance of grass is strategically watered by a flowing well, ponds, springs, and a creek. While enjoying the natural beauty of the property, looking to the south and the west is a spectacular view of Ghost Lake and the Rockies. An off-grid cabin will make for a great hideaway. The Land borders Bow Valley Trail (Highway 1A) making for easy access just minutes west of Cochrane. More details
    Listed by HANSEN LAND BROKERS INC.
    Stewart J Lowe
  • 262033 RGE RD 12: Balzac Land for sale : MLS®# C4289013

    262033 RGE RD 12 Balzac Balzac T0M 0E0
    Main Photo: 262033 RGE RD 12: Balzac Land for sale : MLS®# C4289013
    • Photo 1: 262033 RGE RD 12: Balzac Land for sale : MLS®# C4289013
    • Photo 2: 262033 RGE RD 12: Balzac Land for sale : MLS®# C4289013
    • Photo 3: 262033 RGE RD 12: Balzac Land for sale : MLS®# C4289013
    • Photo 4: 262033 RGE RD 12: Balzac Land for sale : MLS®# C4289013
    • Photo 5: 262033 RGE RD 12: Balzac Land for sale : MLS®# C4289013
    • Photo 6: 262033 RGE RD 12: Balzac Land for sale : MLS®# C4289013
    • Photo 7: 262033 RGE RD 12: Balzac Land for sale : MLS®# C4289013
    • Photo 8: 262033 RGE RD 12: Balzac Land for sale : MLS®# C4289013
    • Photo 9: 262033 RGE RD 12: Balzac Land for sale : MLS®# C4289013
    $6,500,000
    Land
    Status:
    Active
    MLS® Num:
    C4289013
    INVESTMENT OPPORTUNITY OF 135.97 ACRES BORDERING THE CITY OF CALGARY. PRICED AT ONLY $47,805 PER ACRE IT IS STRATEGICALLY LOCATED ON THE CORNER OF HIGHWAY 566 (BALZAC HIGHWAY) AND RR 12 ( 1/2 KM EAST OF CENTRE STREET). IT HAS CITY VIEWS AND GREAT ACCESS TO HIGHWAY #2 (2 MINUTE DRIVE). THIS IS A SOLID INVESTMENT OPPORTUNITY FOR RESIDENTIAL OR INDUSTRIAL PROPERTY DEVELOPMENT AS THE LAND IS POISED FOR CALGARY AND AIRDRIE'S FUTURE EXPANSION. THERE ARE AN ADDITIONAL 140 ACRES (1/4 SECTION) TO THE NORTH AVAILABLE IF SEEKING A LARGER DEVELOPMENT SITE. OLDER HOME IS ON THE PROPERTY. THERE IS THE POSSIBLY OF ROCKY VIEW WATER LINE RUNNING ACROSS THE SOUTH PROPERTY BOUNDARY (TBV). More details
    Listed by URBAN-REALTY.ca
    Stewart J Lowe
1-12/401
Data was last updated June 4, 2020 at 12:05 AM (UTC)
Data supplied by CREB®’s MLS® System. CREB® is the owner of the copyright in its MLS® System. The Listing data is deemed reliable but is not guaranteed accurate by CREB®.
The trademarks MLS®, Multiple Listing Service® and the associated logos are owned by The Canadian Real Estate Association (CREA) and identify the quality of services provided by real estate professionals who are members of CREA. Used under license.
The trademarks REALTOR®, REALTORS®, and the REALTOR® logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. Used under license.