With 45 years of extensive experience in the ever-changing Toronto Residential Real Estate Industry—both as a Certified Residential Market Value Appraiser (MVA-R) since 1991 and as a Licensed Real Estate Broker since 1980—I am pleased to offer this highly specialized service to individuals who are seeking an objective, impartial, and fair market value appraisal of their residential property.

These evaluations are based on well-researched and carefully considered historical market precedents, along with up to date and comprehensive statistics, as well as firsthand understanding of the "day-to-day" and "neighbourhood-to-neighbourhood" transactional aspects of the real estate market within Toronto’s many diverse neighborhoods and the various housing styles.

An MVA appraiser is a professional designation- Market Value Appraiser-Residential, for REALTORS® in Canada who have demonstrated practical experience in residential real estate appraisal. These designees combine their knowledge of the local market with their real estate sales experience to provide lenders with realistic appraisals of residential properties. The designation requires at least five years of residential sales experience and the completion of a specific educational program

I offer professional appraisal services tailored to meet a variety of needs, including capital gains assessments, probate requirements, divorce settlements, private sales, taxation, and historical value evaluations.

This expertise ensures accuracy and fairness, utilising comprehensive market analysis and in-depth knowledge of Toronto real estate.

Whether you're navigating complex financial situations or making informed and objective decisions regarding your property's worth, we provide clear, reliable appraisals to support your objective,

• Curriculum Vitae

• Residential Real Estate Appraiser (MVA-R): 

• President of Michael Kavluk Appraisals: 1991- 2025

• President and Principal Broker: Oxford Real Estate Ltd.: 1980 – 2005

•  Real Estate Broker: Bosley Real Estate Ltd.: 2005-2025

•  Elected Board Director of the Toronto Real Estate Board: 1989 -1996

• Committee Chairman: By-laws, Education, Ethics Appeals and MLS Committees of the Toronto Real Estate Board.

• Instructor: Introduction to Real Estate (License Course for Sales Representatives) 1985-1994

•  Instructor: Principals of Mortgage Financing: (License Course for Brokers)

• Committee Member: Review Committee for MVA Appraisal Designation Applicants

• Education

• Riverdale Collegiate Institute. Toronto, Ontario: 1967-1972

• Victoria College in the University of Toronto 1973-1978 .Hons B.A. (English Literature)

• Ontario Real Estate Association: Licenced Broker: Since 1980

• Canadian Real Estate Association- Certified Market Value Appraiser: Since 1991

• The MVA-Residential Designation is recognized by...

• Canada Mortgage and Housing Corporation (CMHC) 

• Canadian Real Estate Association (CREA)

• The Ontario Real Estate Association (OREA)

• Toronto Real Estate Board (TREB) 

• Canada Revenue Agency (CRA)

• The Real Estate Council of Ontario (Provincial Industry Regulatory body )

• The Ministry of Government and Consumer Services (Oversees RECO)

• Numerous Family Law/ Collaborative Lawyers, Mediators and Accountants in the Province of Ontario

• Other interests…

• Authored a history of my hometown: Levack, in Northern Ontario

• Our Victorian home in the North Riverdale Neighbourhood 

• A Martin 000-28EC Guitar

• The Canadian Songbook 

• Canadian History and Literature

• Canoeing on our beautiful blue Northern Lakes

• Ice skating in Toronto's neighbourhood rinks and parks

• Summer tennis at Kew Gardens in the Beach

• Certified Scuba Diver (PADI)

• Visiting the Island of Anguilla, British West Indies