Toby Ownby Realtor

Toby Ownby Realtor Real Estate Agent at eXp Realty | Realtor® | Founder & Leader - Ownby Group

When experience meets ex*****on.“Toby has a wealth of knowledge, and all of our needs were met with a smile and enthusia...
03/03/2026

When experience meets ex*****on.

“Toby has a wealth of knowledge, and all of our needs were met with a smile and enthusiasm. We couldn't have asked for more. We will recommend Toby to anyone who asks. There's no one better at getting things done than Toby.

I can't say enough about Toby, and she is going to be my realtor from now on.”

Knowledge matters. Follow-through matters more. Real estate isn’t just about listings — it’s about delivering, solving problems, and protecting your client’s outcome from start to finish.

Grateful for clients who trust the process and stay for the long term.

If you’re looking for a realtor who knows how to get things done, let’s talk.

904-466-2298
[email protected]

www.ownbygroup.com

First homes should feel exciting — not overwhelming.“Toby is a fantastic realtor! Me and my wife bought our first house ...
02/26/2026

First homes should feel exciting — not overwhelming.

“Toby is a fantastic realtor! Me and my wife bought our first house with her and she did an amazing job. Super easy to work with and she makes the whole process enjoyable! We are very thankful to have her as our realtor!”
— Troy R.

Buying your first home is a milestone. It should feel supported, clear, and even enjoyable. Guidance, communication, and steady leadership make all the difference.

If you’re preparing for your first purchase — or your next move — let’s make the process smooth and strategic from start to finish.

904-466-2298
[email protected]
www.ownbygroup.com

City Feature: Desert Ridge — North Phoenix’s Strategic Growth PocketDesert Ridge has quietly become one of the most stra...
02/23/2026

City Feature: Desert Ridge — North Phoenix’s Strategic Growth Pocket

Desert Ridge has quietly become one of the most strategically positioned areas in North Phoenix — and smart buyers are paying attention.

This isn’t just another suburban neighborhood. It’s an amenity-driven corridor with real economic anchors.

You have Desert Ridge Marketplace and High Street creating walkability, retail, dining, and nightlife demand.

You have the JW Marriott Phoenix Desert Ridge Resort & Spa and Wildfire Golf Club bringing in tourism, conferences, and year-round visitors.

And you have Mayo Clinic Hospital anchoring long-term employment demand with medical professionals and executive relocations.

That combination matters.

Desert Ridge benefits from:

* Strong long-term rental demand
* Proximity to Scottsdale without Scottsdale pricing
* Loop 101 access for easy connectivity
* A master-planned feel with consistent resale appeal
* A mix of owner-occupants and professionals

It’s a smart position in one of North Phoenix’s most established corridors — which often makes for balanced appreciation and strong liquidity.

For buyers who want convenience, stability, and upside potential without paying ultra luxury premiums, Desert Ridge deserves a serious look.

If you’re evaluating North Phoenix or comparing options across the Valley, let’s break down the numbers and strategy.

📞 904-466-2298
📧 [email protected]
🌐 www.ownbygroup.com

CITY FEATURE: Scottsdale, AZWhen it comes to buying or investing in Arizona, Scottsdale consistently stands out as one o...
02/18/2026

CITY FEATURE: Scottsdale, AZ

When it comes to buying or investing in Arizona, Scottsdale consistently stands out as one of the strongest markets in the state.
This isn’t the entry-level play in the Valley. It’s the premium market — and that positioning is exactly why it performs the way it does.

Scottsdale has built national name recognition. From the energy of Old Town to the luxury communities of North Scottsdale, from world-class golf to upscale shopping and dining, this city continues to attract high-income buyers, second-home owners, and investors focused on long-term value.

Real estate follows demand — and demand here is steady. Scottsdale benefits from strong demographics, lifestyle appeal, executive relocations, and limited prime inventory in key areas. That combination supports appreciation, resale strength, and long-term market resilience.

Yes, prices are higher than many surrounding cities. But premium markets often mean stronger positioning. Whether you’re purchasing a primary residence, a second home, or an investment property, buying in an established, high-demand city can make a significant difference over time.

Scottsdale isn’t just another Phoenix suburb.

It’s one of Arizona’s flagship real estate markets — established, desirable, and consistently competitive.

If you’re considering making a move, let’s build the right strategy for you.

📞 904-466-2298
📧 [email protected]
🌐 www.ownbygroup.com

Another one locked in.After touring nearly 20 homes and writing multiple offers, my buyers are officially UNDER CONTRACT...
02/17/2026

Another one locked in.

After touring nearly 20 homes and writing multiple offers, my buyers are officially UNDER CONTRACT on this beautiful home in Arrowhead Ranch — and they couldn’t be more excited.

And honestly? Arrowhead Ranch continues to prove why it’s one of Glendale’s most desirable communities. Established, well-kept, close to everything — it just hits.

Property Highlights:

• 4 Bedrooms | 3 Full Bathrooms
• 2,458 Sq Ft
• Large Corner Lot (7,188 Sq Ft)
• 3-Car Garage + RV Gate
• 2-Story Bright, Open Floor Plan
• Remodeled Interior
• Granite Counters + Double Vanity
• Eat-In Kitchen + Wet Bar
• Gas Fireplace (Family Room)
• Balcony off the Spacious Primary Suite
• Covered Patio + Low-Maintenance Landscaping

This home checks all the boxes: open entertaining space, huge primary suite with sunset views from the balcony, clean curb appeal, and room for toys with the RV gate and 3-car garage.

And location? Prime.

Minutes from Loop 101, restaurants, entertainment, Arrowhead Towne Center, and Arrowhead Country Club.

Here’s the truth:
Winning in competitive markets takes strategy, persistence, and knowing how to position your offer correctly.

That’s exactly what I do.

If you're tired of losing out on homes or unsure how to navigate multiple-offer situations, you need an expert who understands negotiation, timing, and market psychology.

Ready to win your next home?

Message me today.
Let’s make your move happen.

904-466-2298
[email protected]
www.ownbygroup.com

20+ homes. 3 days. One perfect fit.“Toby and I visited over 20 houses in the greater Phoenix area in less than 3 days. W...
02/16/2026

20+ homes. 3 days. One perfect fit.

“Toby and I visited over 20 houses in the greater Phoenix area in less than 3 days. We found the perfect house for me and I am thrilled. She was my realtor and now she’s my friend.”

Buying in a competitive market takes speed, strategy, and stamina. Touring that many homes in such a short window isn’t luck—it’s commitment, preparation, and knowing exactly what to look for.

Finding the right house is important. Building trust along the way is everything.

If you’re ready to start your search in the greater Phoenix area, let’s make it happen.

904-466-2298
[email protected]

www.ownbygroup.com

Those who hope in the Lordwill renew their strength.They will rise, not collapse.[Isaiah 40:31]Hope isn’t denial of exha...
02/13/2026

Those who hope in the Lord
will renew their strength.
They will rise, not collapse.

[Isaiah 40:31]

Hope isn’t denial of exhaustion.
It’s the decision to anchor yourself somewhere deeper than your current strength.

There are seasons when energy runs thin, when effort feels heavier than progress.
Scripture doesn’t pretend those seasons won’t come. It promises something steadier — renewal.

Strength that comes from hope isn’t loud or dramatic.
It rebuilds quietly. It steadies the heart. It allows you to rise again without pretending you never felt weak.

To hope in the Lord is to admit your limits —
and trust that collapse isn’t the final outcome.

Renewal comes.
And when it does, you rise differently.

If you’re waiting to buy because you’re hoping mortgage rates will drop significantly, you may end up waiting longer tha...
02/12/2026

If you’re waiting to buy because you’re hoping mortgage rates will drop significantly, you may end up waiting longer than you expect.

Current projections from multiple major sources are showing rates staying relatively steady rather than falling sharply anytime soon. These are projections, not guarantees — rates can always move — but the idea that we’ll suddenly return to ultra-low rates isn’t something most forecasts support right now.

This is where the nuance matters.

Mortgage rates are influenced by inflation, employment, Federal Reserve policy, and overall economic conditions. Even when the Fed eventually cuts rates, that doesn’t always translate to immediate or dramatic drops in mortgage rates. In many cases, those changes are already priced into the market before buyers feel them.

What that means in real life is this: waiting solely for a lower rate can sometimes cost more than it saves. Home prices, competition, and inventory levels all play a role. If rates dip and more buyers jump back in at once, prices and bidding pressure often rise too.

That’s why the better question isn’t “Should I wait for rates to drop?”

It’s “Does buying make sense for my financial situation and long-term goals right now?”

For some people, waiting is absolutely the right move. For others, buying now — with the option to refinance later if rates improve — can be a smart, strategic decision.

Real estate isn’t about timing the market perfectly. It’s about understanding your numbers, your timeline, and your options in the market you’re actually in.

If you want to talk through what today’s rate environment realistically means for you, I’m always happy to have that conversation.

📞 904-466-2298
📧 [email protected]
🌐 www.ownbygroup.com















02/09/2026

NORTHWOOD MANOR.

📍 1021 E PALMAIRE AVE, Phoenix, AZ 85020

🏷️ $1,275,000

Fully remodeled 4 bed, 3 bath, 2,618 SQFT home on a 9,644 SQFT lot in the heart of Northwood Manor one of Phoenix’s most desirable family neighborhoods!

✨ Featuring paid-off solar, new roof, HVAC & plumbing, whole-home water filtration, designer fixtures, and LVP flooring throughout. The split floor plan provides privacy, while the primary suite includes a private office.
Enjoy the bonus room with wet bar & private entrance perfect for entertaining or multi-generational living plus a poolside bathroom & shower for those sunny Arizona days!

Surrounded by tree-lined streets, mid-century charm, and no HOA, you’re just minutes from Uptown dining, Biltmore shopping, and Piestewa Peak.

Book a tour or consultation today:

📞 904-466-2298
📧 [email protected]
🌐 www.ownbygroup.com

Grateful for reviews like this ⭐⭐⭐⭐⭐Helping clients navigate the Arizona market — especially out-of-state buyers — is so...
02/09/2026

Grateful for reviews like this ⭐⭐⭐⭐⭐

Helping clients navigate the Arizona market — especially out-of-state buyers — is something I take seriously. From strategy to ex*****on, my goal is always a smooth, informed, and well-supported experience.

Thank you, Rubie, for trusting me and for the kind words.

If you’re looking for guidance that’s clear, timely, and market-driven, I’m here.

📞 904-466-2298
📧 [email protected]
🌐 www.ownbygroup.com

Anna didn’t rush the promise.She stayed present long enough to recognize it.Years passed without recognition, without af...
02/07/2026

Anna didn’t rush the promise.
She stayed present long enough to recognize it.

Years passed without recognition, without affirmation, without visible reward.
Yet she remained faithful, attentive, and steady.

When fulfillment finally came, it didn’t arrive loudly.
It arrived clearly.

Faith isn’t always about movement.
Sometimes it’s about staying long enough to see what others miss.

Address

Scottsdale, AZ
85251

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