RECORD — ISC LAND REGISTRY FINDINGS, parcel 202849702
Quick Search run by Michael (ISC client #1424xx) 2026-07-14 11:50.
Saved: ISC-QuickSearch-parcel-202849702-2026-07-14.pdf. Free-tier view;
the paid TITLE PRINT (interests/mortgages/liens) still to be purchased.

WHAT THE FREE VIEW SHOWS:
- Land: Blk/Par A - Plan 102138364 Ext 0 (matches SAMA; 39.98 ac)
- TITLE NUMBER: 144398032
- **OWNER: BLAIR, DENNEE — SHARE 1/1 (SOLE OWNER)**
- Title lock: none. Municipality: RM of Grass Lake No. 381.
- Last Amendment Date: 07 May 2019 08:57 (~3 months AFTER death 2019-02-01)

WHAT THIS MEANS (three big answers):

1. THE CLAUSE-6 / CHRISTOPHER BIRN JOINT-TENANCY WAS NEVER REGISTERED.
   Dennee holds 1/1 alone. No survivorship problem. The will's clause 6
   contingency is moot. One major risk RETIRED.

2. THE TITLE HAS NEVER BEEN TRANSMITTED TO THE ESTATE. Seven and a half
   years after death, title still stands in the deceased's own name — no
   "Hales, Kelly, executor" transmission. Strong indication the will was
   NEVER PROBATED (transmission requires letters probate). Kelly cannot
   sell, transfer, or hand over ANYTHING on this land until probate +
   transmission happen — which likely explains "get a lawyer to sign the
   paperwork": the administration was never legally started. This also
   means the 2027 vesting transfer has a MONTHS-long legal runway
   (probate application, transmission, then transfer) that hasn't begun.

3. THE 07-MAY-2019 AMENDMENT IS A QUESTION MARK. Something touched the
   title ~3 months after death while the owner stayed Dennee. Candidates:
   an interest registration/discharge (mortgage?), a caveat, or plan/
   admin change. The PAID TITLE PRINT will show it. Ask counsel to read
   this line specifically.

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FULL TITLE PRINT PURCHASED 2026-07-14 12:02 (ISC-Title-144398032-2026-07-14.pdf)
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Title 144398032, ACTIVE. Issued 25 Nov 2013 (converted title 90S32446;
previous title 144342615 — i.e., Parcel A was subdivided/issued in 2013).
Declared parcel/title value at issuance: $50,000. Owner: Dennee Blair 1/1,
address of service P.O. Box 1222 Unity SK.

ONLY TWO REGISTERED INTERESTS — AND NO BANK MORTGAGE:

1. Interest 177610956 — MORTGAGE, $23,000 @ 4.75%, reg'd 23 Dec 2016.
   Holder: SASKATCHEWAN HOUSING CORPORATION (Regina).
   "Saskatchewan Home Repair Program - Homeowner Repair Mortgage...
   TO BE CONDITIONALLY FORGIVEN OVER 4 YEARS."
   -> Forgiveness window was ~Dec 2016-Dec 2020; Dennee died Feb 2019
   (~2.2 yrs in). Whether the unforgiven balance survives death/vacancy
   depends on program terms. Never discharged, so it must be dealt with
   at transfer. COUNSEL: request a payout/status statement from SHC.
   Plausible range: $0 (fully forgiven) to ~$10-12k.

2. Interest 184964709 — PERSONAL PROPERTY SECURITY INTEREST (fixture
   notice), $9,434, reg'd 07 MAY 2019 = THE MYSTERY AMENDMENT, SOLVED.
   Holder: ECOHOME FINANCIAL INC., Toronto. Expiry 02 May 2029.
   -> EcoHome = consumer home-improvement financing (furnaces / water
   heaters / HVAC rentals; now part of Simply Group). Almost certainly a
   pre-death equipment financing contract; EcoHome perfected the notice
   on title 3 months AFTER death. These buyout amounts are notoriously
   inflated — get a payout statement + the underlying contract via
   counsel and scrutinize it. (Michael knows this financing genre well.)

WHAT IS **NOT** ON TITLE (equally important):
- NO Unity Credit Union mortgage. The long-standing "farm is mortgaged
  through Unity Credit Union" story has NO current registered basis.
  (A pre-2016 UCU mortgage could have existed + been discharged — a
  historical search could confirm — but nothing encumbers the land now.)
  If the binder claims years of "mortgage payments" as estate expenses,
  the title contradicts a current UCU mortgage. Key accounting question.
- NO tax liens / tax-enforcement interests (RM taxes not in enforcement).
- NO caveats, NO judgments, NO writs. Nothing registered since May 2019.

EQUITY PICTURE (rough): ~$198k asset less at most ~$33k of soft
encumbrances (likely much less) => ~$165-195k+ net to the estate. The
boys' inheritance is substantially INTACT on paper — the losses are in
the buildings' condition + whatever the accounting reveals.

OPTIONAL EXTRA (same ISC portal, cheap): JUDGMENT REGISTRY search on
"Blair, Dennee" (estate judgments) — counsel can advise if worth it.

COUNSEL IMPLICATIONS (add to the Steele-call list):
- "Was the will probated?" is now all but answered: apparently NOT.
- The handover paperwork Kelly wants is likely the START of probate, not
  the end of it — sequencing gets even more important: NOBODY signs a
  release for an administration that hasn't legally begun and has no
  passed accounts.
- Probate timeline pressure: to hit vesting 2027-03-13 cleanly, probate
  should start SOON — that's leverage for cooperation, not delay.