I got to 100% in 4 Hours so it is certainlly possible!
i was stuck at 93%
What i did was pick up all the plants around my town, and replant them then watered them again, the game did't seem to realise, and i picked up all the points again
*A- Procure the starter house (not sure if paying it off plays a role, but I did so).
Actually, it gives you 20%, so it does ^_^
Thanks for verifying! :thumbs up: