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Cottenie and Gardner Inc.
402 - 3rd Avenue South
Box 308
Kamsack, SK
S0A 1S0 (View Map | Office Hours )
Telephone: (306) 542-2565
Fax: (306) 542-2485
Toll Free: 1-800-360-4993

Cottenie and Gardner Inc.
7 Main Street North
Box 100
Rhein, SK
S0A 3K0 (View Map | Office Hours )
Telephone: (306) 273-2012
Fax: (306) 273-2012
Toll Free:

Cottenie and Gardner Inc.

Products & Services

Cottenie and Gardner Inc. offers a wide selection of products and expertise to serve our customers risk management needs. We can also work with specialty insurance needs. If you have a unique situation that requires a specialized quote, please feel free to contact us.



Kamsack and Area offers over 50 great-priced homes for sale to choose from.  Prices range from $20,000 to $600,000.  Time could not be more perfect to buy and these market conditions will not last forever.



33 LAWRENCE ROAD.  3 + 1 bedroom bungalow.  Built 2012.  1440 square feet.  Double attached garage.  3 bathrooms.  2 natural gas fireplaces.  Three-season sunroom.  Finished basement includes bedroom, bathroom, cold room and tons of storage.  R E D U C E D ! ! !  $375,000.  MLS® #503869



202 FIRST STREET.  Corner lot.  3 bedroom bungalow.  Built in 1968.  Painted cedar siding.  1040 square feet.  Carport – 280 square feet.  Asphalt shingles ~ 2006.  High efficiency natural gas furnace ~ 2012.  Double bathroom.  Concrete basement includes:  bedroom, family room, 3 pce. bath, laundry.  Fenced yard.  $95,000.  MLS® #504408


734 EAST AVENUE.  Move-in ready 3-bedroom bungalow in Kamsack. Home is situated on a large corner lot, across from the nursing home and just steps from the hospital and the site of a new state of the art medical clinic set to open spring 2015. Pick saskatoons from the community orchard just a block away. Schools, ball fields, swimming pool all nearby. Updates include newer windows on main floor, newer siding and upgraded attic insulation. The large backyard with garden is lined with evergreens for privacy.  PRICE REDUCED TO SELL ! ! !$89,500.  MLS® #517565



237 Windsor Avenue.  1 + 2 bedroom bungalow.  Built 1976.  1080 square feet.  Large kitchen with ample cupboard space and all appliances.  Dining room, laundry room & master bedroom are spacious.  Finished concrete basement includes:  2 bedrooms, 3 pce. bath, family room and laundry room.  Wood burning fireplace.  Single detached garage. $99,000. MLS® #498178


136 WINDSOR AVENUE.  2 bedroom + office.  3-level split.  Main floor 876 square feet plus 2 -1/2 bathroom at back of garage – 78 square feet.  3rd level – 428 square feet.  Lowel level – mechanical room, crawl space and family room (12′ x 15′). Single attached garage – 13′ x 21′.  Sloped ceiling in living room.  Appliances (Fridge, Stove, B/I Dishwasher, Washer/Dryer)  included.  R E D U C E D ! ! ! $70,000.  MLS® #504127

 Front Exterior

134 THIRD AVENUE N. Quiet side street close to all downtown amenities. 3 bedroom, 1 bath character home with numerous updates and private fenced backyard with fire pit and patio. Additional parking in the back ideal for RV. Small front deck adds to the charm of the home. Double pane argon windows, crown moulding details, exterior doors have been insulated to Sask energy efficiency standards, high efficiency furnace, newer electric hot water heater, partially finished basement with cold storage, rec room and half bath, wiring and plumbing have been updated. $64,900. MLS® #519653


2014-11-17 14.31.56

303 ALBERTA STREET. Character home on quiet street, close to downtown and all amenities. While the restoration of this house is a work in progress, a number of major upgrades have already been taken care of: All old knob & tube wiring has been removed and replaced; plumbing has been upgraded; new 200-amp panel box; new high efficiency 270 liter electric hot water heater; high efficiency gas furnace installed 2014; all new duct work and air circulation fans installed on both levels; high quality insulation installed throughout the house. $49,900 MLS® #519223

Main front

RAILWAY AVENUE, VEREGIN.  Cozy and comfortable house in the quiet community of Veregin only 14km from Kamsack. Situated on a double lot with a large garden area and well-treed backyard for privacy, this charming 4 bedroom home has been well-maintained with newer windows on main floor, a recently renovated bathroom on the main floor and Town of Kamsack water. PRICED TO SELL ! ! ! $34,000.  MLS® #517285



311 SECOND STREET.  Built 1946.  Bungalow.  2 + 1 bedrooms.  1000 square feet.  Original hardwood floor throughout main.  Basement includes 3/4 bath, bedroom, kitchen area – mostly undeveloped.  Single detached garage.  $32,500.  MLS® #505378



Main Profile Photo

R.M. OF COTE No. 271.  NE 13-30-31 W1. Peace and Tranquility! Very private 153 acres bordering Duck Mountain Provincial Park. Looking for an ideal spot to build your dream home in total privacy, create your own hobby or equestrian farm, create a recreational retreat to get away from it all while still having access to boating, golfing and top notch snowmobile trails at your doorstep? Gently rolling land surrounded by trees and plenty of room to spread out. $500,000. MLS® #513514

R.M. OF CLAYTON.  NW 9-34-1 W2.  One mile north of the Town of Norquay on the east side of Highway #8 in the R.M. of Clayton #333.  Approximately 16 acres.  4 bedroom bungalow.  Double attached garage.  Built in 1985.  2408 square feet.  Custom-built oak cabinets.  Cathedral ceilings in living area.  2 wood burning fireplaces.  3-season sunroom. Textured concrete patio.  Nicely landscaped yard.    R E D U C E D   T O   S E L L  ! ! !   $397,500.  MLS® #479145

2014-09-11 13.32.24

R.M. OF SLIDING HILLS.   GARDENER’S PARADISE ON 10 PRIVATE ACRES! You’ll love the energy this property has! The entire property is well landscaped with mature trees, flower gardens, shrubs and even a small fish pond. New owners will enjoy and appreciate the attention to detail in both the home and the grounds. This move in ready home boasts 1850 square feet, 3 bedrooms and 1 ½ baths on two levels. This property is only 4 miles from Kamsack, just minutes from all amenities, yet offers all the advantages of country life. Too many features to list, but highlights include bright kitchen open to cozy living room with wood burning fireplace and large master bedroom with ensuite half bath. The peaceful sunroom overlooks the lush backyard and is ideal for a home office, art/crafts studio or library. Several large sheds on the grounds provide all the room you need to store farm machinery, tools, recreational vehicles, firewood and more. The yard features a deck and brick patio with plenty of space for entertaining or simply relaxing with a cup of coffee. Must see to fully appreciate. Exceptional opportunity to experience acreage living at its best!   $255,000.  MLS® #518732

R.M. OF SLIDING HILLS. SW 8-29-1 W2.  Approximately 10 acres. 4 bedroom bi-level. Built 1982. 1632 square feet on two levels. Spacious two-tiered deck. Beautifully manicured yard. Living room adorned with detailed pillars that looks into modernized kitchen/dining area. Kitchen/dining equipped with duraceramic floors, stunning oak cupboards and island. Main floor laundry.  Walkout basement includes family room, two bedrooms, 3-piece bathroom, large mechanical/storage area.  R E D U C E D ! ! ! !  $340,000.  MLS® #500886


R.M. OF COTE NO. 271.  NW 13-30-31 W1.  160 acres.  (15 acres of forage crop, 105 acres of pasture, 40 acres of wetlands or soughs).  Town water on adjacent quarter.  Power; 100 for 3 months.  Phone line in yard.  Quonset – 28′ x 56′ – 1993, power in shop.  Older summer cabin – structurally sound – needs work.  Cabin consists of 404 sq. ft. with second level bedroom of 252 sq. ft., 1/2 bath, kitchen/dining area, no basement, cabin placed on cement blocks.  Ideal for snowmobile shack.  $120,000.  MLS® #500095


R.M. of ST. PHILLIPS NO. 301.  SE 07-33-30 W1.  160 acres.  2 frame buildings (not insulated) – 16′ x 16′, wood floor. 1 – 10′ x 30′ metal clad building on steel skids. Dug out – not being used. No services. Vendor is willing to look at all offers and very motivated to sell!!! $100,000. MLS® #500062






MIDWAY SUBDIVISION.  Duck Mountain Provincial Park.  Older part is 17’6″ x 22, no insulation or panelling; 376 square feet.  Newer building 24′ octagon + sitting area that measures 3′ x 8′; 450 square feet.  Great view of the lake!  $170,000.  MLS® #480397


JUBILEE SUBDIVISION.  Duck Mountain Provincial Park. 130 Olive Street.  3 bedroom bungalow.  Original cabin built ~1960’s, renovations ~1980.  This property has one of the largest lots at Madge Lake – over 12,000 square feet.  300 gallon septic tank.  300 gallon fresh water holding tank.  Wood burning fireplace in living room.  Laminate klik floor installed throughout kitchen, dining and living area.  Numerous inclusions!!!! $195,000.  MLS® #513482


JUBILEE SUBDIVISION. Duck Mountain Provincial Park. Dock permit, 32′ factory dock, 40′ boat track. Oil heat with wall mount air conditioner and electric heat. 576 square feet. Lot size:  30.53 x 20.54.  1000 gallon septic tank.  2365 litre tank – fresh water.  3 pce. bath. 2 baseboard heaters in kitchen/living room area.  Verandah – 7’6″ x 32. All furniture included. Insulated walls & attic.  Floor unknown. Cabin built in 1963.  Garage and verandah built 1980.  Shed – 12′ x 28′ – wood floor, skids, power, vinyl siding.  Garden shed – 8′ x 5′, vinyl siding.  R E D U C E D ! ! ! !  $250,000.  MLS® #500799


KAMSACK SUBDIVISION.  Duck Mountain Provincial Park.  Lakefront.  New siding, roof, foundation and front deck.  Winterized/insulated and gas fireplace.  Updated kitchen, 2 bedrooms, large mudroom/laundry area, plus sunroom at the rear of the cabin.  Outside storage includes an extra bedroom.  Furniture & accessories included.  Dock location short distance from the cottage.  $30K PRICE REDUCTION! NOW $249,9000.  MLS® #502952


KAMSACK SUBDIVISION.  Duck Mountain Provincial Park.  818 Lakeshore Avenue.  3 bedroom bungalow.  978 square feet.  Open concept – living, dining & kitchen.  Built – 1930’s with renos in the 40’s and 60’s.  New foundation, addition and roof in 1990.  Electric heaters in each room.  200 amp panel.  2500 litre fresh water holding tank.  14′ x 14′ deck.  R  E  D  U  C  E  D  ! ! ! !  $269,000  MLS®#488438


BENITO SUBDIVISION.  Duck Mountain Provincial Park. L A K E F R O N T ! ! !  3 bedroom.  1 1/4 storey, 3-season. Built ~1960.  900 square feet on 2 levels.  Kitchen features eat-in bar area.  Living room features vaulted ceilings, wood stove.  Open floor plan.  Large front deck – 22′ x 12′. Carport.  1000 gallon fresh water tank.  R E D U C E D ! ! ! $325,000.  MLS®#503890



KAMSACK SUBDIVISION.  Duck Mountain Provincial Park.  3 bedroom.  1 1/4 storey, 4-season.  Built ~1980.  2072 square feet on 2 levels.  Features laminate floor throughout.  Cozy family room includes wood burning stove and plenty of windows.  Master bedroom on second floor features ample storage, electric baseboard heat, patio doors to deck & 3 pce. bath.  Backyard features workshop, firepit, play structure and wood shed.  1000 gallon septic tank.  750 gallon fresh water tank. $349,000.  MLS®#505008





2014-11-18 13.10.20

PRIME OFFICE/RETAIL SPACE! Thinking about starting your own business here in Kamsack? Main Street frontage in downtown next door to busy salon. 2308 sq.ft with finished basement.  $67,500.  MLS® #518294








Senior Units:
Rent: 30% of gross income/month – Senior Units
Housing Authority pays: Water & Heat
Tenant pays: Phone, power & cable
Maximum Rent: $860 – 1 Bedroom, $925 – 2 Bedroom – Senior Units
There are income & asset maximums
Services Include: Maintenance man to cut grass, clean snow, repairs etc.

Project #1105 EASTVIEW Located Throughout Town SENIOR
Description Semi-detached units (575 sq. ft.) One bedroom with double closet.  Kitchen, dining & living room all open.  Full bathroom with safety bars. Laundry area – stackable washer & dryer. Mechanical & storage room – adequate for small freezer personal driveway & garden. Includes: Fridge, stove, washer dryer

Project #1106 Golden Acres Near Eaglestone SENIOR
Row housing (575 sq. ft.)One bedroom with walk-in type closet. Kitchen & Dining area together. Full bathroom with safety bars. Stackable washer & dryer in corner of kitchen. Storage room – adequate for small freezer/other. Small mechanical / furnace room. Separate living room. Fridge, stove, washer, dryer

Project #1107 DAVIES TOWER100 Queen Elizabeth Blvd. SENIOR
Description: – 3 story apartment block – 26 units – Storage room in each unit – One bedroom units with large closets – Full bath with safety bars – Kitchen, dining and living room area is on open space. Includes: Fridge & StoveFacilities: Laundry on 1st, 2nd & 3rd Floor – designated times for each unit. Tenant’s Lounge with kitchen Elevator Security System at entry. Extras: Parking for vehicles – $100 / year Power – $70.00 extra per month payment

Project #1352 FAMILY UNITSon south side of blvd. LOW INCOME
Rent: 30% of gross incomeDescription: 3 Bedroom Houses Kitchen & Dining Together. Separate Living room. Full Bath Parking area and garden area. Forced air natural gasServices: All yard work is tenant’s responsibilities. Maintenance man available for repairs. Includes: Fridge & Stove All Utilities are tenant’s responsibilities

Project #1506 VALLEY MANOR 64 Lawrence Rd.
2 bdrm: $500 / month (3 units) 3 bdrm: $525 / month (12 units) 2 & 3 Bedroom Townhouses. Kitchen & Dining Together. Living Room connected by half wall. Full Bath upstairs. Personal concrete patio off living room. Forced air natural gas. Maintenance man does all yard work. Maintenance man available for repairs & problems. Fridge & Stove. All Utilities are tenant’s responsibilities