What is an Appraisal?

A real estate appraisal is an assessment of the value of a property by an accredited appraiser. The appraisal takes into account various factors such as the location, size, condition, and age of the property, as well as recent sales of comparable properties in the area. The purpose of a real estate appraisal is to provide an objective and unbiased estimate of the property’s value, which can be used for a variety of purposes, including buying or selling a property, securing a mortgage or loan, power of sale, and settling estates or legal disputes. Real estate appraisals are typically required by lenders, but they may also be ordered by property owners, buyers, sellers, or attorneys.

Illustration House investment growth, Real estate, Property value
About Us

York Simcoe Appraisal Corp

York Simcoe Appraisal Corp is a diversified firm that has been operating in the GTA for over 30 years. What sets us apart from the competition is that we offer both residential and ICI appraisal services, and we have 8 designated members on staff, all with over 10 years of appraisal experience.

We appraise a multitude of different property types including residential, all types of commercial/industrial properties as well as unique properties. We have an extensive knowledge base of the GTA and surrounding real estate markets. We also have experience appraising specialty/unique property types. Our rural property experience is second to none and we routinely appraise high end equestrian facilities and custom homes/estates.

We provide exceptional customer service, as well as efficient and speedy service. Working closely with our research and support staff, we provide our clients with personalized service and accurate reliable products, on time and on budget.

Residential Features



Vast knowledge of appraising residential properties, whether it be single-family homes, duplexes, triplex or multi-family homes.


High End

High end multi million dollar properties, waterfront properties


Approved Appraiser

York Simcoe Appraisal Corp Inc is on all the Major lending institutions (banks, credit unions) lists of approved appraisers.


All Lenders

York Simcoe services A lenders, B lenders, credit unions, and private lenders.



First and second mortgages only. Lines of credit


Matrimonial & Litigation

Matrimonial (asset division), litigation, probate, second opinions, information purposes.

ICI Services

In Depth knowledge and experience appraising Commercial, industrial, agricultural and institutional properties. We also do development lands for subdivisions and large apartment buildings with over 100 apartments.


Store front with apartment above, strip plaza


Large industrial warehouses


Large acreage hobby farms, working farms


Montessori schools, private school


Redevelopment lands for subdivisions, redevelopment lands for commercial properties. Apartment buildings. Portfolio appraisals on real estate holdings.

York Simcoe Appraisal

Client List

We provide reports for a variety of clients including:

Hilary Garbens

AACI, P. App

Hilary has been the co-owner of York Simcoe Appraisal Corp Inc. along with her sister Marie Garbens for over 10 years. Hilary has been working in the real estate industry for over 20 years in the York Region, Simcoe, Peel, Durham, and Toronto.

Hilary obtained her CRA designation from the Appraisal Institute of Canada in June 2008, she then went on to obtain her AACI designation in March of 2022. Hilary is an accredited appraiser in good standing with the Appraisal Institute of Canada.

Marie Garbens

H.Bsc, CRA., App

An Accredited Appraiser in good standing with the Appraisal Institute of Canada with over 20 years of experience appraising Real Estate, Marie has appraised a wide variety of different property types and is currently in the last stages of obtaining her AACI, P. App. designation. Marie is our division of assets specialist and has been approved as an expert witness by the courts for this purpose. Marie also does specialty appraisals for litigation purposes and has gone to court as an expert witness in this capacity. Marie has volunteered her time to augment the professional standings of appraisers by being the Chair of the Huronia Chapter of the Appraisal Institute of Canada – Ontario and was a Director for the Appraisal Institute of Canada – Ontario. Marie has Federal government experience regarding environmental issues and has a science degree with a specialization in environmental sciences and plants.

A. W. Garbens

B.Econ, AACI, P. App

Al has extensive experience with Real Estate and Banking having sold his first brokerage house in 1968.  He joined the Appraisal Institute in 1971 and graduated University in 1972 with a degree in economics.  From 1972 to 1977 he sold real estate as both a salesman and broker.  In 1977 he joined the CIBC as head office staff appraiser.  From 1978 to 1981 he worked for CIBC running the Real Estate Credits department and from 1981-1982 he was manager of Real Estate with Vanguard Trust.  Since 1982 he has run his own Appraisal and Real Estate Brokerage Companies.  His long term and extensive experience in all fields of Real Estate Appraisal and Development Financing is an asset to both the company and all his clients.  Al is a fully accredited appraiser in good standing with the Appraisal Institute of Canada since 1971 and is past chair of the Huronia Chapter.

David Rober


Accredited Appraiser in good standing with the Appraisal Institute of Canada with over 35 years of experience in the real estate industry as a sales representative and appraiser. Experience includes inspection and reports of commercial properties, multi-unit apartment buildings, retail plazas, industrial buildings and condominiums, farms, residential properties and development sites.

Matthew Browning

AACI., App

Matthew is an Accredited Appraiser with the Appraisal Institute of Canada and has been working with York Simcoe Appraisal Corporation since 2011. In this time Matthew has had experience with all types of commercial, agricultural and residential properties. Matthew obtained a Bachelor of Commerce in Real Estate and Housing from the University of Guelph. Matthew has also volunteered as Vice Chair/Treasurer of the Huronia Chapter of the Appraisal Institute of Canada from 2014 to 2020.

Yan (Lily) Li

AACI., App

Yan (Lily) joined York Simcoe Appraisals Corp in 2016 after graduation from Seneca Collage-Real Property Administration Program. Ms. Lily focus over the past 7 + years has been on appraising a wide variety of different property types (including waterfront property, multi-plex, rural and agricultural property, industrial property, commercial property, luxury estate residential properties). She was granted the CRA designation in 2018 and the AACI designation in 2022 by the Appraisal Institute of Canada. Whether for financing, estate settlement, purchase, sale or marriage / separation purposes, Lily looks forward to providing you with the excellent service that you expect and deserve.

Michael Garbens


Michael is a fully designated CRA that is in good standing with the Appraisal Institute of Canada. He has over 10 years of experience appraising a wide range of residential properties. From rural to high end city properties. Michael has past experience in the financial sector and has diplomas in both Business and Financial Planning.

Jennifer Antonio


Jennifer is an active Candidate Residential Appraiser Proudly Serving York Region, South Simcoe County, West Durham Region & Toronto. She is a member in good standing with the Toronto Real Estate Board since 2008. Jennifer earned her B.Sc. in Computer Information Systems from DeVry University in 2003, her Certificate in Project Management from Humber College in 2004, and her Real Estate Salesperson License in 2008. Jennifer is currently completing her CRA designation through the University of British Columbia, and she is a Candidate Member in good standing with the Appraisal Institute of Canada.

Heather Roy


Heather graduated from Brock University in 2000 with post-graduate 2003. She obtained her real estate license in 2005 and has been working in the real estate field ever since. Currently a CRA in good standing with the Appraisal Institute of Canada, she continues to work towards her AACI designation. She has a wide range of knowledge of unique properties, waterfront homes, construction/renovations, vacant residential land, rural farmlands/acreage and high end residential properties. Experience working with town zoning, conservation authorities, TREB/MLS/REALM, MPAC, Geowarehouse, town development charges and multiple online mapping tools. Heather takes into consideration the unique aspects and multiple complexities when valuing each property.

Kelly Jean


Kelly is a Candidate Member in good standing with the Appraisal Insitute of Canada since 2017 and is currently working towards her CRA designation. She earned her Bachelor of Arts degree from McMaster University. Kelly has experience appraising a wide variety of residential properties including waterfront, rural, acreage and estate residential properties.

Chris Rober


Christopher Rober is candidate member of the Appraisal Institute of Canada with years of experience working at York Simcoe Appraisals. Christopher is a graduate of the University of Toronto with an Honours Bachelor of Arts degree. Currently, Christopher is studying to receive his CRA and AACI designation through Seneca College and the Sauder School of Business at UBC.