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Blog | Jodi Bernard | PEI Real Estate Guides & Insights

PEI Lands Protection Act Explained

Understanding land ownership rules in Prince Edward Island can be confusing—especially for waterfront properties, acreage limits, and non-resident buyers. This guide breaks down the PEI Lands Protection Act in plain language, including who needs approval, what counts toward acreage limits, and common misconceptions I see in real transactions.

👉 Read the full guide:
https://jodibernard.com/pei-lands-protection-act-explained.html


PEI Closing Cost Explained

Learn what PEI home buyers should expect to pay at closing, including land transfer tax, legal fees, adjustments, inspections, and title insurance.

👉 Read the full guide:
https://jodibernard.com/pei-closing-costs.html


PEI Home Inspection Checklist

Understand the real closing costs for PEI home buyers—land transfer tax, legal fees, inspections, adjustments, and whether title insurance makes sense.

👉 Read the full guide:
https://jodibernard.com/pei-home-inspection-checklist.html


PEI Winter Home Buying

Discover why winter can be one of the smartest times to buy a home on PEI—less competition, motivated sellers, and the chance to see how a home truly performs in harsh weather.

👉 Read the full guide:
https://jodibernard.com/winter-home-buying-pei.html


Moving to PEI From Ontario

Thinking about moving to PEI from Ontario? Learn what really changes—from housing and heating to wells, septic systems, and lifestyle differences you won’t see in online listings.

👉 Read the full guide:
https://jodibernard.com/moving-to-pei-from-ontario.html


PEI Well Water Testing

Private wells are common on PEI. This guide explains how well water testing works, what buyers should test for, and how results affect your purchase.

👉 Read the full guide:
https://jodibernard.com/pei-well-water-testing.html


Selling a Home in PEI? Costs Most Sellers Forget

From legal fees to adjustments and unexpected repairs, here are the expenses most people forget to budget for.

👉 Read the full guide:
https://jodibernard.com/selling-a-home-in-pei-costs-most-sellers-forget.html


Charlottetown PEI

If you’re considering a move to Prince Edward Island, Charlottetown is often the starting point. This guide covers neighbourhoods, lifestyle, and what day-to-day living is really like in the Island’s capital.

👉 Read the full Charlottetown overview:
https://jodibernard.com/charlottetown.html

Summerside PEI

If you’re considering a move to Prince Edward Island, Summerside is one of the most practical places to start. This guide covers neighbourhoods, lifestyle, and what day-to-day living is really like in one of PEI’s most livable communities.

👉 Read the full Summerside overview:
https://jodibernard.com/summerside.html or https://jodibernard.com/Is-Summerside-a-good-place-to-buy-a-home.html

PEI Beaches

Best beaches in Prince Edward Island, from red sand shores to white sand coastlines. Explore top PEI beaches and local favourites.

👉 Read the full
https://jodibernard.com/pei-beaches.html

How to sell your home fast PEI

Learn how to sell your home fast in PEI with pricing, prep, photos, marketing, and negotiation tips from PEI REALTOR® Jodi Bernard.

👉 Read the full

https://jodibernard.com/how-to-sell-your-home-fast-in-pei.html

First-Time Home Buyers Rebate PEI

The first-time home buyers rebate can recover the federal GST on a new PEI home, up to $50,000. What it covers, and what it does not.

👉 Read the full

https://jodibernard.com/first-time-home-buyers-rebate-pei.html


Ready to start looking? Browse all PEI homes for sale, cottages, or search the map. Questions? Contact Jodi Bernard, CENTURY 21 Northumberland Realty.

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Being named executor is an honour, and it can also feel like a second job arriving at the hardest possible time. One of the biggest tasks is often the family home. I have helped a number of Island families through this, and while every estate is different, the path usually follows a similar shape. This post walks through it in general terms. It is not legal advice, and your estate lawyer is your best partner for the legal side.

Step one: confirm your authority

On Prince Edward Island, probate is handled through the Estates Section of the Supreme Court. When there is a will, the executor applies for what are called Letters Probate, which confirm the executor's authority to administer the estate. The court's forms for this include a petition, an executor's oath and an inventory of the estate.

PEI's Probate Act also sets an expectation that an executor will have the will proved and filed within 30 days of learning of the appointment. That is one reason to call a lawyer early, even if you are not ready to think about the house yet.

Until your authority is confirmed, I generally suggest holding off on signing a listing agreement. We can still talk, look at the property and plan, so you are ready when the paperwork is in place.

Step two: understand who needs to agree

The Probate Act has specific rules about when an executor can sell real property and when beneficiaries need to consent, including extra steps when a beneficiary is a minor. These details depend on the will and on the family. Your lawyer will tell you whose signatures are needed. Sorting this out at the start avoids a stalled sale later.

Step three: secure and care for the house

An empty home needs attention, especially through a PEI winter. A few practical points:

  • Call the insurer. Let the home insurance company know the owner has passed and the house may be vacant. Vacancy can change what a policy covers, so ask exactly what they require, such as regular checks.
  • Keep the heat on or have the plumbing properly winterized by a professional. Frozen pipes are one of the most common and expensive problems in a vacant house.
  • Arrange regular visits. A family member or neighbour checking in weekly can catch a problem early.
  • Forward the mail and keep utilities in place until the sale closes.

Step four: sort the contents, at a kind pace

This is usually the most emotional part. Families often find it helps to set a few simple rules: first, set aside anything named in the will; then let family choose keepsakes; then decide what to sell, donate or discard. You do not need an empty house to list, but a home that is clean and reasonably clear shows better and photographs better.

If family members live away, plan a weekend when people can be on the Island together. It is often easier to make decisions in the house than over the phone.

Step five: find out what the home is worth

Executors have a duty to act in the best interests of the estate, so a well-supported price matters. A comparative market analysis based on recent local sales is a good place to start. You can request one through my home evaluation page, and I am happy to walk through the property with you in person.

Many estate homes have been lived in for decades. They may have older systems, original kitchens or deferred maintenance. That is normal. We will talk honestly about whether a few simple fixes make sense or whether pricing it as-is is the better route for the estate.

Step six: plan for disclosure and costs

An executor may not know the full history of a house the way the late owner did. Be honest about what you know and what you don't. Gather what paperwork you can find: old receipts, oil tank details, well and septic records, renovation permits.

Selling also comes with costs that are easy to overlook. My post on costs most PEI sellers forget is a helpful checklist to share with your lawyer and the beneficiaries.

Step seven: list, sell and close

From here, the process looks much like any other sale, with the executor signing on behalf of the estate. The proceeds go to the estate, and your lawyer handles the distribution under the will. For an overview of how I approach marketing and negotiation, see my page on how I help you sell your home in PEI.

A note for out-of-province executors

Many executors I work with live off-Island. Much of the process can be handled by phone, email and electronic signature, with a local lawyer and REALTOR® coordinating on the ground. It helps to have one trusted person nearby who can let in an inspector or check the furnace.

You don't have to do this alone

If you are handling a loved one's home in Summerside, Kensington or anywhere in Prince County, I would be honoured to help. Contact Jodi Bernard, CENTURY 21 Northumberland Realty, for a quiet, no-pressure conversation about next steps.

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PEI Real Estate Market Update: September 2026 – Sales Rebound While Prices Hold Steady

September brought a welcome pickup in activity across Prince Edward Island. According to the Prince Edward Island Real Estate Association (via CREA), 201 homes sold through the MLS® System—up 6.9% from September 2025 and the strongest September sales total since 2021. Sales also ran 12% above the five-year average for the month.

Year-to-date, 1,484 homes have sold through the first nine months of 2026, still 9.7% below the same period last year. The September rebound is a positive signal heading into fall, even as overall 2026 activity remains more measured than the hotter years of the recent past.

Prices Remain Stable

The MLS® Home Price Index (HPI) composite/single-family benchmark price was $377,900 in September—nearly unchanged, up just 0.5% year over year. The average price of homes that sold during the month was $409,925, a modest 1.4% gain from September 2025. The year-to-date average sits at $410,668, up 3.1% from the first nine months of 2025.

Dollar volume reached $82.4 million in September, an 8.4% increase and a new record for the month. These numbers show a market that has settled into a more sustainable range rather than seeing sharp declines.

Inventory and Choice for Buyers

New listings totaled 341 in September—the highest number ever recorded for the month and up 4.9% year over year. Active residential listings stood at 1,360 at month-end, the highest September inventory level in a decade. Months of inventory were 6.8, down slightly from 7.2 a year earlier but still above the long-run average of about 5.7 months for this time of year.

In practical terms, buyers continue to have more selection and negotiating room than they did in the peak years, while well-priced and well-presented homes are still moving. Conditions vary by community, price point, and property type—entry-level and move-up homes in stronger pockets continue to see solid interest.

What This Means Locally

On the North Shore and across the Summerside–Kensington corridor, the same broader trends apply, with the added advantage of generally more accessible price points compared with Charlottetown and the eastern side of the Island. Coastal and rural properties remain popular for both primary homes and secondary/lifestyle buyers. With inventory elevated province-wide, serious buyers who are pre-approved and ready to move have good options right now. Sellers who price realistically relative to current comparable sales and prepare their homes well are finding buyers. Browse current Summerside homes for sale.

The Bank of Canada has held rates steady, supporting affordability relative to the higher-rate period earlier in the cycle. Looking ahead, TD Economics has projected modest price growth for PEI existing homes through the rest of 2026, consistent with the stable-to-slightly-positive trend we’re seeing in the benchmark data.

Bottom line: September showed healthier sales activity, stable prices, and continued choice for buyers. It’s a balanced, price-sensitive market—neither overheated nor in freefall. If you’re thinking of buying or selling on the North Shore, in Summerside, Kensington or elsewhere on PEI, local conditions and recent comparable sales matter more than the provincial averages.

I’m happy to walk through current listings, recent sales in your target area, or a clear pricing strategy for your home. Reach out anytime.

Jodi Bernard
Century 21 Northumberland

Ready to start looking? Browse all PEI homes for sale, cottages, or search the map. Questions? Contact Jodi Bernard, CENTURY 21 Northumberland Realty.

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5 Things to Look For When Buying a Waterfront Property in PEI

Prince Edward Island’s red cliffs, dune-backed beaches, and sheltered bays are a big part of why people want to live here. Waking up to the Strait, a quiet cove, or a working harbour is a real lifestyle. It is also a different kind of purchase from an inland lot.

Coastal property on PEI moves. Banks recede, dunes shift, and storm surge does not stop at the property line. The right waterfront home is still a strong buy. The wrong one can cost more to insure, limit what you can build, or lose usable land faster than the listing photos suggest.

As a local REALTOR® with CENTURY 21 Northumberland Realty, I walk buyers through these properties on the North Shore and across the Island. Here are five things I want every waterfront buyer to check before they waive conditions.

1. Shoreline stability and erosion risk

PEI’s coast is soft. Sandstone cliffs can undercut. Sandy shores and dunes migrate. Sheltered bays usually move more slowly than open coast, but no shoreline is frozen in place.

The province’s Coastal Property Guide groups erosion roughly this way: under 30 cm a year is lower risk, 30 to 90 cm a year is moderate, and more than 90 cm a year is high. On a high-rate bank, a few decades can take a meaningful slice of the lot.

Before you get attached to a view, look at the land itself.

  • Walk the bank. Undercut edges, fresh slumping, exposed roots, and failed armour stone are all signals.

  • Ask how the shore has changed, including after Fiona and later storms.

  • Use the province’s Climate Hazard and Risk Information System (CHRIS), which shows about 50 years of coastal change plus flood mapping.

  • Request a free Coastal Hazard Assessment for the specific property. It is one of the most useful documents you can have in hand before you firm up an offer.

A geotechnical opinion is worth it on high banks or cliff lots if you plan to build, add on, or rely on the setback for decades.

2. Water access and what you actually own

“Waterfront” on a listing can mean a sandy beach, a low bank, a steep cliff, or a view across someone else’s land. Those are not the same property.

On tidal water, the ownership line is generally the top of the bank or the ordinary high-water mark. The beach and intertidal area below that line are public. You may have a private path to the shore and still not own the beach in front of you. As the bank erodes, land that was once private can become public foreshore.

Confirm three things in writing:

  • Whether the deed includes water frontage, and what the shore type is.

  • Whether access is practical for how you want to use it: swimming, kayaks, a small boat, or simply a walk to the water.

  • Whether stairs, a path, or a launch already exist, and whether they were permitted.

The best coastal properties pair the view with access you can actually use, in a location that still makes sense after a few hard winters.

3. Buffer zones, setbacks, and permits

This is the point most buyers get wrong, because the numbers sound similar and they are not.

Under the Environmental Protection Act, PEI has a 15-metre (about 49-foot) buffer zone around watercourses and wetlands, measured inland from the high-water mark or top of bank. It is a no-development zone. Cutting for a view, building a shed or deck, landscaping, or installing shoreline protection all need a Watercourse, Wetland and Buffer Zone Activity Permit. Work done without one can bring fines and an order to restore the site.

Setbacks for buildings are separate, and often larger:

  • Beach: 75 feet (22.9 m) from the top of the bank, or 60 times the annual erosion rate, whichever is greater.

  • Wetland or watercourse: 75 feet from the inland boundary.

  • Primary or secondary sand dune: 100 feet (30.5 m) from the inland edge of the dune.

Older lots can have different rules, and municipalities can add their own. A cottage that sits legally today may not be a template for an addition, a garage, or a new build. If the plan is to renovate or rebuild, confirm the setback before you price the project.

The province also does not treat armour stone as the default fix. Relocation and a larger setback are preferred. Shoreline work needs a permit, and usually a licensed contractor. The province does not fund private shoreline protection.

4. Flood risk and whether you can insure it

Erosion and flooding are related, but they are not the same problem. A high bank can be eroding and still sit above surge. A low cottage in a bay can be stable and still take water in a storm.

CHRIS maps both coastal flooding and inland flooding, including depth. A Coastal Hazard Assessment adds property-specific context. Ask the seller about past water in the basement or crawl space, sump pumps, moved mechanical equipment, and any insurance claims.

Then call an insurer before you remove conditions. A standard home policy often excludes overland flood and storm surge. Some coastal homes are insurable with a higher premium or an elevation requirement. Some are difficult to place at all, which can also affect financing. Do not assume the current owner’s policy will transfer.

5. Services, access, and how you will actually live there

A waterfront lot can be twenty minutes from Kensington or Summerside and still feel remote in January.

  • Well water near the coast can be vulnerable to salt. Ask for a recent water test, not just a flow test.

  • Septic systems on coastal soils need enough setback and good drainage. Confirm age, location, and whether a future bedroom addition is even possible.

  • Private or seasonal roads change the winter equation. Ask who ploughs, and what happens in a nor’easter.

  • Salt air and wind exposure wear on siding, windows, metal, and decks. Budget for it.

  • Decide whether this is a year-round home or a seasonal place. The same cottage can be a bargain for one use and a problem for the other.

Before you remove conditions

A short list I use with coastal buyers:

  • Coastal Hazard Assessment requested, and CHRIS reviewed.

  • Shore type, frontage, and public-beach boundary confirmed.

  • Buffer zone and building setback checked against any plan to add or rebuild.

  • Insurer consulted on flood and storm-surge coverage.

  • Well, septic, drainage, and winter access inspected, not assumed.

Buying waterfront on PEI is still one of the better reasons to be here. The buyers who do well are the ones who price the shore they are actually getting, not the shore in the photo.

If you want a second set of eyes on a coastal listing, or a search built around how you plan to use the water, I can help.

Jodi Bernard, REALTOR®                                                                                                                                                CENTURY 21 Northumberland Realty                                                                                         

Ready to start looking? Browse all PEI homes for sale, waterfront properties, or search the map. Questions? Contact Jodi Bernard, CENTURY 21 Northumberland Realty.

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Some of my favourite conversations are with people who have raised a family in a big house and are now wondering what comes next. Maybe the stairs are getting harder, the lawn takes all Saturday, or the kids have settled off-Island and the extra bedrooms sit empty. Downsizing is a big decision, and it is about much more than square footage. Here are the questions I encourage people to work through, with a Prince County lens.

What does "smaller" really mean to you?

Downsizing means different things to different people. For one couple it is a single-level home with the laundry on the main floor. For another, it is a condo with no outdoor maintenance at all. For someone else, it is simply less land: trading twenty acres outside town for a regular lot inside it.

Before looking at listings, write down what you want to leave behind and what you can't live without. Common must-haves I hear include:

  • One-level living, or at least a main-floor bedroom
  • A garage or covered parking for winter
  • A small yard or garden space
  • A spare room for visiting grandkids
  • Less snow to clear

Where do you want to spend your days?

Think about where you go every week: the doctor, the pharmacy, groceries, church, the rink, your coffee group. Being close to those things matters more as time goes on.

In Prince County, many downsizers look at Summerside because services, shopping and health care are close at hand. Others want to stay near friends and family in Kensington, where the town has a quieter pace but still has the essentials. Smaller communities like Miscouche can be a nice middle ground. There is no right answer, just the one that fits your routine. Take a look at Summerside homes for sale and homes in Kensington to get a feel for what is out there.

How much will you really save?

Downsizing often frees up equity, but it doesn't always cut monthly costs as much as people expect. Before deciding, compare:

  • Property taxes, including any municipal tax if you move into town
  • Heating costs, which can drop a lot with a newer, smaller, efficient home
  • Condo fees, if you are looking at a condo
  • Maintenance and snow removal you will no longer pay for
  • Moving and selling costs

If you have owned your current home for a long time and lived in it, your taxable assessment may be quite a bit lower than its market value because of PEI's owner-occupied assessment cap. A new purchase may be assessed differently, so ask for the details on any home you are considering.

Is now the right time?

The best time to downsize is usually before you have to. Moving on your own terms, while you have the energy to sort, decide and enjoy the new place, is far easier than moving in a rush after a health scare or a hard winter.

Think about the season, too. Many people prefer to sell in spring or summer and be settled before the snow flies.

What will you do with everything?

Decades of belongings can feel overwhelming. A few approaches that work well:

  • Start early, one room at a time
  • Invite family to choose keepsakes before you start selling or donating
  • Measure your new space and plan which furniture fits
  • Give yourself permission to let go of things that no longer serve you

Rent, buy or something in between?

Some downsizers buy a smaller home outright. Others rent for a while to test a new community before committing. Each choice has trade-offs around cost, flexibility and control. There is no shame in taking it slowly.

What is your current home worth?

Your home's value is the starting point for almost every downsizing plan. A free home evaluation gives you a realistic range based on recent local sales, so you can plan the next step with confidence.

Who should be part of the conversation?

Family, a financial advisor, your lawyer and your REALTOR® can each help with a piece of the puzzle. I also suggest talking openly with your kids, even if they live away. They often have helpful ideas, and it avoids surprises later.

Let's talk about your next chapter

I have helped many Prince County homeowners make this move, and I know it is about more than a house. If you are starting to think about downsizing, contact Jodi Bernard, CENTURY 21 Northumberland Realty, for an easy, no-pressure conversation.

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Islanders who lived through post-tropical storm Fiona on September 24, 2022, don't need to be told how quickly the weather can turn. The Province's own field notes describe severe shoreline erosion and flooding in places, along with damage to wharves and homes. Living by the water is one of the great joys of PEI, and a bit of preparation each fall helps you enjoy it with peace of mind. Here is the checklist I share with coastal homeowners as storm season approaches.

Before the season: the yearly once-over

Late summer is a good time for a walk around your property with fresh eyes.

  • Trees. Look for dead limbs or leaning trees that could reach the house, a shed or the power line to your home. Have an arborist handle anything large.
  • Roof and siding. Loose shingles and siding are the first things wind finds. Fix them before the first big blow.
  • Gutters and drainage. Clear gutters and make sure downspouts carry water well away from the foundation.
  • Sump pump. Test it, and consider a battery backup if your basement relies on it.
  • Shoreline. Take photos of your bank or beach from the same spots each year. It's an easy way to track change over time and useful if you ever need advice from a coastal professional.

Secure what can fly

Outdoor furniture, trampolines, kayaks, barbecues and garbage carts can all become hazards in high wind. Pick a spot in a garage or shed where these items can go quickly when a storm is in the forecast. If something is too big to move, make a plan for strapping it down.

Power outages: plan for a few days

Coastal and rural areas can lose power during big storms, sometimes for an extended stretch. A few things make a big difference:

  • Water. If you are on a well, no power means no pump. Fill containers and the bathtub before the storm.
  • Heat. Know how you will stay warm. A wood stove helps, if it has been inspected and the chimney is clean.
  • Generator. If you have one, have it installed properly by a qualified electrician, run it only outdoors well away from windows and doors, and never plug it straight into a wall outlet.
  • Food. Keep a few days of food that does not need cooking.
  • Light and communication. Flashlights, spare batteries, a battery or crank radio, and charged phone power banks.

Know your utility's outage line

Save your power company's outage number in your phone before you need it. Most of the Island is served by Maritime Electric, while Summerside residents are served by Summerside Electric.

Paperwork and insurance

  • Review your home insurance policy each year and ask your broker specifically what is covered for wind, storm surge, overland flooding and sewer backup. These are often treated differently.
  • Keep a photo or video inventory of your belongings, stored somewhere off-site such as cloud storage.
  • Keep important documents in a waterproof container you can grab quickly.

When a storm is in the forecast

  • Bring in or tie down outdoor items
  • Charge everything
  • Fill water containers and fuel the car
  • Check on neighbours, especially older ones or those living alone
  • Follow official updates from Environment Canada and PEI emergency officials

After the storm

Stay away from downed power lines and report them. Walk your property once it is safe, and photograph any damage before you start cleanup, for insurance. Check your shoreline, but stay well back from fresh erosion, since banks can be unstable after a storm. If your well was flooded, test the water before drinking it.

Make a household plan

A short written plan helps everyone in the house know what to do. Note where the main water shut-off and electrical panel are, who checks on which neighbour, where pets will go, and what you will do if the road floods or trees come down. Tape it inside a cupboard door. If you leave a cottage empty for the off-season, give a trusted neighbour a key and your contact details so someone can check the property after a big blow.

Thinking about coastal living?

Buyers sometimes ask me whether storms should scare them off the water. In my view, they should make you a smart buyer rather than a nervous one. My post on what to look for when buying waterfront property in PEI covers the due diligence side.

If you are ready to look at PEI waterfront properties along the North Shore or the Prince County coast, contact Jodi Bernard, CENTURY 21 Northumberland Realty. I'll help you understand a property's setting before you fall in love with the view.

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Drive north from Kensington on Route 20 and the land opens up toward the water. Within a short drive you are in Malpeque, looking out over one of the most famous bays on the Island. Whenever I take buyers up this way, the view tends to do most of the talking. If you are wondering what it is actually like to live near Malpeque Bay, here is my local take.

Where it is

Malpeque sits on the North Shore, about 14 km north of Kensington along Route 20, according to the Confederation Trail guide. Tourism PEI places it within the Green Gables Shore region. That location is a big part of the appeal: you get a rural, coastal setting while staying within easy reach of Kensington for groceries and errands, and Summerside a little farther for bigger shopping and services.

Cabot Beach Provincial Park

Cabot Beach Provincial Park, at 449 King Street in Malpeque, overlooks Malpeque Bay and is about a 15-minute drive from Kensington. The park has walking trails through the woods, plenty of green space, a playground and a supervised beach in season, with lifeguard days and hours that vary. There is also a provincial campground with 104 sites.

A fun bit of local trivia: Cabot Beach hosted two Canadian Scout Jamborees, and it was the location for five sets used in the television series Emily of New Moon, based on L.M. Montgomery's books. The park is open in the warmer months, roughly June through September, so plan your beach days accordingly.

Oysters and a working harbour

The name Malpeque is known well beyond the Island because of its oysters, which come from the bay. Down at Malpeque Wharf, the Malpeque Oyster Barn operates seasonally in summer, and it is a favourite stop for visitors and locals alike. Living nearby means you see the working side of the bay too: boats heading out, gear on the wharf and the rhythm of the fishing season.

For buyers, that working character is part of the charm. It also means harbours and wharves are active places, so if you are looking at a home right near one, visit at different times of day.

What homes and land are like

Properties around Malpeque range from year-round homes to seasonal cottages and open land, often with farmland or water views. Expect most rural homes here to draw water from their own well and handle wastewater with septic. If you are coming from a town with municipal services, read up on what that means, and budget for regular water testing and septic maintenance.

For a current look at what is available, I keep an up-to-date page for Malpeque real estate.

Questions to ask about a property near the bay

  • Is it built for year-round living? Some cottages are seasonal and may need insulation, heating or plumbing upgrades for winter.
  • How is the road maintained in winter? A paved provincial road and a private gravel lane are different experiences in February.
  • What does the shoreline look like over time? If the property is on or near the water, ask about erosion, and look at older photos or aerial images if you can.
  • Where is the closest beach access? Not every home near the bay has its own access.
  • What internet service is available at the address? This varies in rural areas, so check before you buy.

Life through the seasons

Summer brings beach days, campers at Cabot Beach and visitors stopping for oysters. In fall, the farmland turns gold and the roads go quiet. Winter is peaceful and wide open, and it rewards people who enjoy a slower pace. Spring is mud, migrating birds and the first boats heading back out.

Many of my clients who choose this area talk about the quiet and the sky as much as the house. If that appeals to you, it is worth spending time up here in more than one season.

Staying close to town

One reason Malpeque works for full-time living is its closeness to Kensington. If you want a bit more town convenience while staying near the water, it is worth comparing with homes in Kensington. And if beaches are high on your list, my PEI beaches guide covers some favourites across the Island.

Want to explore the Malpeque area?

I would be happy to show you around this beautiful part of Prince County and help you find a property that fits. Contact Jodi Bernard, CENTURY 21 Northumberland Realty, to set up a drive or a showing.

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Congratulations, you have the keys. Now comes the part nobody puts on the moving checklist until the last minute: getting the lights, water and garbage pickup sorted. On PEI, who you call depends a lot on where the house is. Here is a simple guide I give to my buyers in the weeks before closing.

Electricity: Maritime Electric or Summerside Electric

Maritime Electric supplies power to homes across PEI outside Summerside. If your new home is in Summerside, though, your power likely comes from the city's own utility, Summerside Electric.

Maritime Electric. You can submit a moving connection request online or call 1-800-670-1012. They will ask for details like your civic address, contact information and the date you want service to start. Maritime Electric suggests applying at least a week ahead, since a connection or transfer can take a few business days. Depending on your situation, they may ask for ID or a security deposit.

Summerside Electric. The City of Summerside handles both electric and water and sewer accounts. You apply for service through the city's utilities page, and the city's general line for new accounts is 902-432-1230. The city also offers budget billing once you have twelve months of electrical service with them.

Water and sewer: town service or your own well

If you are buying in a town with municipal water and sewer, contact the municipality to put the account in your name. In Summerside, as noted above, that is part of the same city utility account.

If the home is in the country, your water will most likely come from a private well, with a septic system for wastewater. There is no water bill, but there is responsibility. Plan to test your water after you move in and on a regular schedule after that. My guide to PEI well water testing explains what to test for and when. It is also smart to find out when the septic tank was last pumped.

Garbage, compost and recycling: Waste Watch

PEI runs an Island-wide sorting program called Waste Watch, managed by the Island Waste Management Corporation (IWMC). It is a three-stream system: compost, recycling and waste, and sorting is mandatory.

As a new homeowner, you request cart service from IWMC. You will receive a black waste cart, a green compost cart, a small kitchen bin for compost, a collection calendar and information on how to sort. IWMC says to allow about two weeks for delivery. Recyclables go out in clear blue bags. On collection day, everything needs to be at the curb by 7 a.m.

The collection charges themselves are billed on your property tax bill, so they will show up there rather than as a separate account.

Heating fuel

If the home heats with oil or propane, ask the seller who delivers and set up your own account before you move in. Many companies offer automatic delivery, which takes one worry off your plate in winter. If the home has a heat pump or electric baseboards, your heat cost comes through your power bill.

Internet, phone and TV

Service options vary a lot between town and country on PEI. Before you buy a rural property, check which providers serve that exact address. Once you have firm closing dates, book installation as early as you can, especially in busy moving months.

Mail and address changes

Rural homes may have a roadside mailbox, a community mailbox or a post office box. Ask the seller how mail arrives. Then update your address with your bank, employer, insurer and the Province, including your driver's licence and health card if you are new to PEI.

A simple timeline

  • Once your offer is firm: check internet availability and book installation.
  • About two weeks before closing: request IWMC cart service, arrange heating fuel, and contact the power utility.
  • On closing day: take meter photos and note oil tank levels if relevant.
  • First month: test the well water if you have one and keep your utility setup notes in one place.

New to the Island?

If you are relocating, my guide to moving to PEI covers the bigger picture. And if you are still at the browsing stage, you can search homes across Prince Edward Island or focus in on Summerside homes for sale.

Questions about a specific property's services? Contact Jodi Bernard, CENTURY 21 Northumberland Realty, and we can track down the answers before you sign.

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When buyers ask me what there is to do in Summerside once the summer visitors head home, I love answering, because the honest answer is: more than you'd think. Summerside has a steady rhythm of things to see and do through every season. Here is a short list of places I point people to, especially families and newcomers getting to know the city.

Walk or bike the Baywalk

If you only do one thing, make it the Baywalk. This 6.5 km path hugs the shoreline and welcomes walkers and cyclists alike. Along the way you pass the "City by the Sea" swings and the marina, and the trail later moves into a stretch of Acadian forest through the Natural Duck Pond Conservation Area, where you can watch for herons, ducks and chickadees.

Since June 2025, the Baywalk has been home to a public art piece called "Holy Mackerel" by Island artist Patrick Brunet: three large wooden fish that frame views of the water. Kids tend to love it. The trail has parking, benches, picnic areas, washrooms and a wheelchair-accessible path, and the main lot is at 60 Water Street.

Stop at Spinnakers' Landing

Right on the waterfront, Spinnakers' Landing is a cluster of shops, food spots and patios on the boardwalk. In the warmer months it is a natural place to grab an ice cream and watch the harbour. Plenty of locals use it as the turnaround point on a Baywalk stroll.

Catch a show at the College of Piping

Summerside's College of Piping, officially The College of Piping and Celtic Performing Arts of Canada, is one of the city's best-known institutions. Its Scott MacAulay Performing Arts Centre hosts Celtic music and dance performances, and Tourism PEI notes shows there throughout the year. If you have family visiting from away, it is a lovely introduction to Island culture.

For theatre and concerts, Harbourfront Theatre is another venue worth keeping an eye on.

Head to Credit Union Place

Credit Union Place is Summerside's big multi-use centre for sports, concerts and family events. It is also home to the PEI Sports Hall of Fame. Through the colder months it is a busy community hub, and for families with kids in sports, you will likely find yourselves there often.

Get out on the water in summer

In summer, kayak and paddleboard rentals let you see the harbour from a different angle. Tourism PEI lists paddling and even guided Segway tours of the Baywalk among the things to do in the city. It is a good way to spend a warm evening without leaving town.

Hop on the Confederation Trail

Several Baywalk access points join the Confederation Trail, so a short city walk can turn into a longer ride through the countryside toward Kensington or Miscouche. In fall, when the leaves turn, it is one of my favourite ways to spend a Sunday afternoon.

Learn a little history

Summerside has a rich story, from shipbuilding to the fox farming era. The PEI Fox Museum is a fun, quirky stop that explains the Island's historic fox industry. It is the kind of place that makes you see the older homes and streets of the city a little differently.

Why this matters when choosing a home

When you are deciding where to live, it helps to picture an ordinary Tuesday, not just a summer vacation day. In Summerside, that might mean a walk on the boardwalk after supper, a hockey game at Credit Union Place on the weekend, or a concert in the winter. Knowing what is close by can help you decide which neighbourhood fits your routine.

For a deeper look at day-to-day life, cost of living and the overall feel of the city, I have put together a full guide to living in Summerside.

A few tips for newcomers

  • Check seasonal hours before you go. Waterfront businesses are busiest in summer, and some have shorter hours in the off-season.
  • Follow the city and Tourism Summerside for event listings. Community events pop up through the year.
  • Bring layers. The breeze off the bay is real, even on a sunny day.

Ready to find your place in Summerside?

If the Baywalk and a good show have you picturing life here, browse Summerside homes for sale and save the ones you like. When you want to see them in person or talk through neighbourhoods, contact Jodi Bernard, CENTURY 21 Northumberland Realty. I'd love to show you around.

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Buying a duplex and living in one side while renting the other is an idea that comes up more and more in my conversations with buyers. It can help with the mortgage, build equity, and give you a foot in the door of real estate ownership. It also turns you into a landlord with a neighbour on the other side of the wall. Here is a practical look at what living in your own duplex involves on the Island.

Why owner-occupiers like duplexes

The main appeal is simple: rent from the other unit can help cover your costs. For a first-time buyer, a young family or someone semi-retired, that extra income can make a home possible that otherwise would not be.

There are other upsides too. You are on site, so you notice problems quickly. You choose your tenant. And down the road, the other unit can become a place for a family member, a caregiver or adult children.

How property tax treatment can work

PEI's owner-occupied assessment program caps yearly increases on the taxable value of an owner-occupied home. In a building with more than one dwelling unit, PEI's Real Property Tax Act looks only at the unit the owner actually occupies when deciding the owner-occupied tax credit. The rented side is treated separately.

The Real Property Tax Act also includes a separate tax credit for long-term rental units in multi-unit buildings that meet specific conditions, such as being rented long-term for at least six months of the year. The rules have dates and conditions attached, so look at the exact wording or check with the Province's property tax staff before relying on any credit.

One more detail: under the current definition, short rentals of under 30 days in any part of an owner-occupied home can affect its owner-occupied status. If you are thinking of using the other unit as a short-term rental, check the rules first.

Financing basics

Lenders treat an owner-occupied duplex differently from a pure investment property. Many will consider some of the expected rental income when assessing what you can afford. Down payment requirements and how rental income is counted vary, so talk to a mortgage professional early. Use our mortgage calculator to rough out payments, then confirm with your lender.

Which side should you live in?

It sounds like a small question, but it matters. Consider:

  • Which unit has the better layout, light or yard for you
  • Which unit would rent more easily, and for how much
  • Where the shared systems are, like the electrical panels, water heater or laundry
  • Noise: who is above or beside whom

Some owners choose the smaller side to keep the higher rent coming in. Others want the nicer side because it is their home. Both are fine; just decide on purpose.

What to check before you buy

  • Separate metering. Are power and heat separate for each unit? If not, how are costs shared?
  • Existing leases. If there is a tenant, ask for the lease, the rent amount and the deposit details. You may be inheriting that arrangement.
  • Fire separation and safety. Ask your home inspector to look closely at the separation between units, smoke alarms and exits.
  • Permits and legal use. Make sure the building is recognized as a two-unit dwelling.
  • Parking and snow. Two households means two sets of cars, and somebody has to clear the driveway.

Being a good landlord

Residential tenancies on PEI are governed by provincial rules. The Residential Tenancy Office handles landlord and tenant matters, and its orders can be appealed to the Island Regulatory and Appeals Commission (IRAC). Before you rent out the other unit, read up on your obligations around leases, deposits, rent increases and notice periods. Having clear expectations from the start keeps things friendly.

Living next to your tenant means the relationship is personal. Be clear, be fair and keep your boundaries. Many owner-occupiers find it works best to handle requests in writing, even when you see each other in the driveway every day.

Is it right for you?

A duplex is a great fit for people who are handy, organized and comfortable sharing a property. If you prefer total privacy, it may not be. For a broader view of rental property on the Island, my post on investing in PEI real estate covers the investor side.

Ready to look?

You can browse PEI duplexes and multi-unit homes to see what's available now. When something catches your eye, contact Jodi Bernard, CENTURY 21 Northumberland Realty, and we can talk through how it would work for you.

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Ask people what they love about Prince County and the Confederation Trail comes up again and again. It runs right through both Kensington and Summerside, and for a lot of my clients, being able to walk out the door and onto the trail is a big part of why they chose their home. Here is what the trail looks like in this part of the Island and what to think about if trail access is on your wish list.

A quick bit of background

The Confederation Trail was built on the Island's old railway line after rail service ended in 1989. The main trail runs tip to tip from Tignish to Elmira, 273 km, and the total network including branch trails is 449 km, according to Tourism PEI. The surface is rolled stone dust, which makes it friendly for walking, running and cycling.

The trail is marked with distances from west to east, starting at 0 km in Tignish. On the official trail map, Summerside sits at km 109 and Kensington at km 123. That puts the two towns about 14 km apart along the trail.

The Kensington stretch

Kensington's railway heritage is easy to see. The trail guide notes the Kensington Rail Road Station as a stop along the way, along with Engine 1762, a diesel locomotive that arrived at the station in 1990. It is a nice landmark for a family walk, and it gives the town's trail section a real sense of place.

Heading east, the trail continues toward Freetown and Emerald, where a branch trail runs south to Borden-Carleton. Heading west, you are on your way to Summerside through farmland and small communities.

If you are drawn to the idea of walking to town for a coffee and walking home on the trail, have a look at Kensington homes for sale and filter by the streets closest to the old rail line.

The Summerside stretch

In Summerside, the trail brings you close to the downtown and the waterfront. The city's Baywalk, a 6.5 km waterfront boardwalk and cycling trail, connects to the Confederation Trail at several access points. That combination is a big draw. You can head out on the main trail, loop down to the harbour and come home along the water.

Between Summerside and the west, the trail passes Miscouche at km 101, home of the Acadian Museum. If you like the idea of a smaller community with the trail on your doorstep, Miscouche is worth a look.

What trail access means day to day

Clients who live close to the trail tell me they use it in all kinds of ways:

  • A safe place for kids to learn to ride a bike away from traffic
  • An easy daily dog walk
  • Commuting by bike in the warmer months between nearby communities
  • A flat, steady surface for runners and walkers of every age

Winter brings different conditions and uses on some sections, so check Tourism PEI or the Province for current trail guidance before you head out on skis or snowshoes.

Things to consider when buying near the trail

Being close to the trail is a plus for most buyers, but a few details are worth checking on any specific home:

  • Privacy. A backyard that borders the trail will see foot and bike traffic. Some people love the friendly waves; others want a fence or a hedge.
  • Access points. Living near the trail is not the same as having an easy way onto it. Find the closest official access.
  • Seasonal rhythm. Ask neighbours how busy the section behind the house gets in summer compared with winter.
  • Lot lines. The trail corridor is not part of your yard. A survey or a look at the property map will show exactly where your boundary sits.

Questions I hear from trail-loving buyers

"Can I bike to work?" In the warmer months, some people do ride between nearby communities, though most commuters still drive in winter. "Is it lit at night?" Generally, plan on daylight use and bring a light if you are out at dusk. "Will a trail-side lot hold its appeal?" Many buyers see trail access as a lifestyle bonus, so it is worth mentioning in a listing, but every home is valued on its own merits.

Find your spot near the trail

Whether you picture yourself in a Summerside neighbourhood a few blocks from the Baywalk or in a quieter spot in Kensington, I can help you narrow down homes with good trail access. You can browse Summerside homes for sale anytime, and when you are ready to see some in person, contact Jodi Bernard, CENTURY 21 Northumberland Realty.

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PEI Real Estate Market Update – April 2026

Looking for the latest numbers? See the September 2026 PEI Real Estate Market Update.

The Prince Edward Island housing market remained active through April 2026, with home sales continuing to outperform long-term averages despite softer year-to-date numbers compared to last year.

According to the Prince Edward Island Real Estate Association (PEIREA), a total of 184 homes were sold through the MLS® System in April 2026. That represents a modest increase of 1.1% compared to April 2025 and sits 4.5% above the five-year average for the month.

Home Prices Continue to Show Stability

The overall MLS® Home Price Index (HPI) benchmark price for single-family homes reached $378,900 in April 2026, increasing 4% year-over-year. The HPI is considered one of the most accurate ways to track home price trends because it measures comparable properties over time rather than relying solely on averages.

The average sale price for homes sold during April was $398,673, down 5.2% from April 2025. However, year-to-date pricing remains positive overall, with the average sale price for the first four months of 2026 sitting at $412,376 — up 2.7% from the same period last year.

Inventory Levels Remain Higher Than Historical Averages

There were 377 new residential listings added to the market in April, a slight decrease of 3.1% compared to last year. Even with that decline, new listings remain well above historical norms:

  • 14.5% above the five-year average

  • 30.2% above the ten-year average

At the end of April, there were 1,046 active residential listings on the market across Prince Edward Island. While this was down slightly from April 2025, inventory levels are still significantly higher than typical seasonal averages.

Months of inventory sat at 5.7 months at the end of April, compared to 5.9 months one year ago. In simple terms, this means it would take approximately 5.7 months to sell all current listings at the current pace of sales if no new homes came to market.

What This Means for Buyers and Sellers

The PEI real estate market is continuing to shift toward a more balanced environment compared to the extremely competitive conditions seen over the past few years.

For sellers:

  • Proper pricing is becoming more important

  • Professional marketing and presentation matter more than ever

  • Well-prepared homes are still attracting strong interest

For buyers:

  • Inventory levels have improved

  • Buyers generally have more choice and negotiating flexibility than during peak market conditions

  • Stable pricing continues to support long-term value

While the pace of the market has moderated compared to previous years, demand across many PEI communities remains healthy, particularly for well-priced homes in desirable locations. You can browse current Kensington real estate listings any time on my site.

If you’re thinking about buying or selling real estate on Prince Edward Island and would like a local market opinion, feel free to reach out anytime. Browse current Summerside homes for sale.

Jodi Bernard
PEI REALTOR®
Jodi Bernard Real Estate

Ready to start looking? Browse all PEI homes for sale, cottages, or search the map. Questions? Contact Jodi Bernard, CENTURY 21 Northumberland Realty.

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