Sam Moes Grey Rock Realty
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SAT 11-1 & SUN 1-3
3608 Maplewood Ln, Johnstown Perfect Move In Ready Home! Beautiful Stucco, Granite, Hrdwds, AC, Upgraded Windows. SS Applncs, High End Gas Range. This has been an animal free home. Gas to bckyrd for your grill! Maintenance free landscaping.
Harmony Office 970.229.0700 Horsetooth Office 970.223.0700
SATURDAY 1-3
5911 Linden View Ct, Fort Collins Custom ranch with hardwood, slate tile, tall ceilings, multi-sided fireplace & 2 masters on the main level! Entertain in the sun room, rec room in the walk-out lower level or outdoor spaces. Heated & cooled garage/shop & 2.6 acres with lush grass, trees & a pond!
$523,900
Call Tara Tooley (970) 690-7252
Call Kurt Faulkner (970) 690.4226
Call Jack Needy (970) 310-6718
Call Lisa O’Brien-Suchy (970) 566-0995 Call Mike Suchy (970) 567-1523
SATURDAY 12-2
439 Toronto St, Ft. Collins-3bd/3ba, 1,571 SF, 2 story home in Dry Creek! Immaculate home with $30K in upgrades! Granite counters throughout, beautiful hrdwd, matching Whirlpool SS appl., lg patio and extended 2-car garage. Neighborhood clubhouse incl. fitness center & lounge!
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SATURDAY 12-4
4224 Trailwood Dr-Warm & inviting w garden level bsmnt! Great 4 bdrm, 3 bath w vaulted ceilings in kitchen, living, & dining. Main level master w bath, 2 bdrms & full bath. Basement w lg family/rec room, another bdm, ¾ bath, laundry, & storage space. Backs to open space!
MLS#759501
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SAT & SUN 1-3
7293 Spanish Bay Dr, TimnathWindsor-2-time HBA winner: Best Floor Plan/Landscaping! Craftsman Ranch w/Green Building construct. Walk-out basement: 3bed/2baths, rec/ent room, wet bar & wine cellar! Gourmet kitchen w/Maple, custom tile entry, stone fireplace.
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SAT 11-3 & SUN 1-3
1115 Coral Burst Ct, North Loveland-4 Bed, 4 Bath, 5,200 Fin Sq Ft Brand new Ranch, walkout basement w/ 2nd Master/in-law suite, family & rec rm, theater rm, wine cellar, wet bar. Fin 4 car tandem garage w/ hot/cold water and drain. Landscape/sprinklers, 0.26 acre lot.
$280,000
$595,000
$660,000
Call Sheila Benshoof (970) 227-9802
Call Diana Luthi (970) 481-2692 Call Tiffany Luthi (970) 691-4838
Call Beth Phillips (970) 449-3345
Geoff Frahm Saturday 11-1 Blas Estrada Saturday 1-3 Cathy Vance Sunday 1-3
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MLS#747145
$295,900
MLS#763272
5748 Sierra Drive, Fort CollinsOutstanding 6 bedroom, 5 bathroom 2 story on an acre lot with spectacular mountain views! Oversized 3 car garage with additional 589 sf loft above for future office or storage. Pride of ownership abounds in this home!
SAT & SUN 12-3
7220 Royal Country Down Dr., Windsor. Home is complete and ready to move in! Come see the quality of construction by ABBCO Builders! 3 bedroom, 3 bath ranch home with high end finishes. Gourmet kitchen with granite countertops, ss appliances, wood floors, gas cooktop & pantry.
$384,900
MLS#762138
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Loveland Office 970.663.0700
SAT & SUN 12-2
4608 Chokecherry Trail #1, Fort Collins - An abundance of hardwood flooring, slab granite and stainless kitchens with island, 2-way fireplaces and decks looking west from the great room and master suite! This is the lifestyle choice you have been looking for!
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$750,000
Mulberry Office 970.221.0700
Centerra Office 970.613.0700
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$325,000
MLS#766616
The Source in Old Town 970.493.0700
www.thegroupinc.com thegro pinc co
SAT & SUN 1-4
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SAT & SUN 1-4
MLS#763950
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6912 Water View Ct., TimnathBacking to the pond and open space. This low maintenance home is fabulous. Full service landscaping, snow removal & trash included in HOA. Amazing Longs Peak view from this gorgeous luxury patio home. Loaded with fine finishes.
6924 Water View Ct., TimnathGreat new low maintenance patio home available and currently under construction. Available mid-July. Granite countertops, wood floors, open floor plan. Full unfinished daylight basement. Trex deck with great views & 3 car garage.
1538 Whedbee Street, Fort CollinsRe-modeled brick ranch! Kitchen has granite, gas oven/cook top, ss appl., soft close cabinets & tile. Curved wall entry, arches, coved ceilings, glass block windows & hardwood. 2 non-conforming beds in lower level. Backyard has patio, brick fireplace, deck & hot tub! Close to CSU.
4302 Carlyle Ln, WellingtonMany plans to choose from with prices starting in the mid $200’s. New lots being developed. Come and see the quality homes built by Sage Homes in The Meadows in Wellington!
$614,000
$764,264
$457,500
$445,000
From the mid $200’s
Call Greg Bever (970) 215-1722
Call Judy Bogaard (970) 227-1000 Call Brian Bogaard (970) 481-5376
Call Judy Bogaard (970) 227-1000 Call Brian Bogaard (970) 481-5376
Frank Glenn Sat 10-12 372-9596 Call Michael Hurd (970) 227-5932 Kim Doll Sat 1-3 377-6023 Hosted by Jeni Plum Sun 1-3 223-2771 Call Jo Carney (970) 310-1836
MLS#762421
MLS#747365
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SATURDAY 1-3
3205 Shallow Pond Dr., Fort CollinsBeautifully updated 5 bed, 4 bath, 2-story home in Fossil Lake Ranch! Refinished hardwood floors, new carpet upstairs and new interior paint. Wellmanicured yard and large back patio. Visit the 3 homes in this neighborhood for a chance to win a $100 gift card.
MLS#763175
SATURDAY 10-12
SATURDAY 1-3
5639 Cardinal Flower Ct., Fort Collins-Well cared for 4bed, 4 bath, 2-story home in popular Fossil Lake Ranch. Beautiful wood floors, granite slab Kitchen Island and ample counter and cupboard space. Visit the 3 homes in this neighborhood for a chance to win a $100 gift card!
MLS#000000
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3703 Big Dipper Drive, Fort Collins2bd, 3ba 2-Story, 2754 sf – Low maintenance home in Observatory Village, close to neighborhood pool & observatory. Kitchen has silestone counters, island, pull-out shelving, 42” cabs, newer refrigerator. Lush landscaping & opens to HOA greenbelt. MLS #767075
MLS#766802
DAILY 1-5
6424 Murano Drive, Windsor-Stop & visit our MODEL HOME, open daily 1-5pm. This Castello ranch plan has 2 beds, study, 2.5 baths, 3-car garage, covered deck & patio, entry courtyard, backs to golf course. Get information on our 7 High Performance Homes starting in the low $400s.
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SAT & SUN 10-6
7030 Aladar Drive, Windsor-New home with builders warranty. This beautiful community is just minutes to I25, golfi ng, swimming, shopping and the Budweiser Event Center! Charm and curb appeal describes the attractive home with a main floor master and private study. Extended cover patio and covered front porch.
$495,000
$360,000
$580,000
$750,000
$445,000
Call Pam Cass (970) 222-6025
Call Kim Doll (970) 377-6023
Call Paula Hawe (970) 222-1020
Call Dennis Pfeifer (970) 227-6646
Call Kathy Beck (970) 213-8475 Call Brandi Garifi (720) 291-0899
MLS#766994
MLS#000000
MLS#760833
MLS#660867
MLS#761545
COMMUNITY-WIDE OPEN HOUSE, 5
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SATURDAY 1-4
1006 Breakwater Dr, Fort Collins-4 bd/3 ba, 2 Story home in Harbor Walk Estates! Nestled on a private inlet cove w/direct access to Warren Lake! Full of natural light as well as updates galore! Fresh ext. paint, appl., floor tile & roof! Wonderful master retreat w/frpl & private deck!
Harmony Office 970.229.0700 Horsetooth Office 970.223.0700
SUNDAY 1-3
1139 W. Mulberry St., Fort Collins-1139 W. Mulberry St. Ft. Collins. Old Town’s best kept secret-don’t let the address fool you! Outstanding custom, ranch home built in 1996 with 3BD + Study, 2 BA & oversized 2 car garage. Across from City Park & in Dunn schools. Front door on south side - access from alley.
$600,000
Call Kathy Albertz (970) 690-6011
Call Casey Peifer (970) 420-0844
Call Jaio Osborne (970) 999-4398
Call Becky Vasos (970) 217-9874
SAT & SUN 12-2
1670 Persian Ave-Open flr plan w/ 2 bedrms, office, 2 baths, family rm w/gas frplce, kitchen w/quartz countertops, HW flrs, SS applncs, formal & informal dining. Luxury master w/walk in closet & bath w/ jetted tub! Full unfinished bsmnt. Fenced back yard w/patio & freshly painted exterior!
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320 Circle Drive–2bd, 2ba, Ranch, 1338 sf – Old Town gem, historic character, updated, feels like new. 2 secluded backyard patios, mature landscaping. New flooring throughout, new paint, nothing to do but move in. Functional kitchen, new appliances, butcher block counter.
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SATURDAY 10-12 & 1-3
3425 Sam Houston Circle – 3bd, 2ba, Tri-Level, 2035 sf – Large, fenced yard, offers great privacy. Nice size master bedroom with full bath. Open floor plan with living room fireplace. All kitchen appliances stay. This one will sell fast!
$418,000
$425,000
$285,000
Call Alycia Martinez (303) 994-6307
Call Kathy Beck (970) 213.8475 Call Brandi Garifi (720) 291.0899
Call Jaio Osborne (970) 999-4398
Call Jaio Osborne (970) 999-4398 Call Frank Glenn (970) 372-9596
MLS#761546
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SUNDAY 12–2
SAT & SUN 10-6
2115 Cutting Horse Dr-Beautiful home with 3 bed, 2 baths, GE Monogram appliance package and landscaping included. Extensive hardwood floors, solid surface kitchen countertops and full unfinished basement. Visit the model at 2740 Walkaloosa Way. http://2115cuttinghorse.thegroupinc.com
MLS#767001
$315,000
MLS#766353
2345 N. County Road 3 Landscaped 6.35 acre oasis with stunning mountain views! Area of estate homes. Fenced property is great for horses. The kitchen features alder cabinetry, granite & butlers pantry. The master retreat includes 3 sided fireplace.
SUNDAY 1-3
749 Sandpiper Pt, Ft. Collins3Bd/2 Ba, 2 story, 2,378 SF Rare find and fantastic opportunity to live in the heart of FTC at the desirable Warren Shores! Main floor master, 3 decks & lots of charm! Make this unique property yours! Incl. ownership to Warren Woods w/ lake rights
$575,000
MLS#762734
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Loveland Office 970.663.0700
SATURDAY 1-3
3308 Long Creek Drive-5 lg beds/4bath 2 story with main floor den, fin basement, vaulted ceilings , 5 pc master bath, gourmet kitchen with gas range with all updated finishes. New exterior & new interior paint. Great neighborhood schools. Visit for a chance to win $100 dinner card!
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$465,000
Mulberry Office 970.221.0700
Centerra Office 970.613.0700
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$769,000
MLS#000000
The Source in Old Town 970.493.0700
www.thegroupinc.com thegro pin
SUN 11-1 & 1-3
3425 Sam Houston Circle – 3bd, 2ba, Tri-Level, 2035 sf – Large, fenced yard, offers great privacy. Nice size master bedroom with full bath. Open floor plan with living room fireplace. All kitchen appliances stay. This one will sell fast!
MLS#767086
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TUES-SUN 10-5
519 Newton Drive (Sales Center), Loveland-Loveland’s Newest Subdivision!! Located in private pool community featuring workout facilities & hot tub! Quality built & energy efficient new contruction. Easy access to Hwy 34 & I-25. Model homes now open!
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SATURDAY 10-12
3302 Long Creek Drive-Sprawling Ranch w Mntn Views! 5bd/3ba home w custom finishes incldng cherry hardwood flrs, granite cntrs & a gourmet ktchn w lrge pantry. Main flr has spacious family rm w cathedral ceilings & gas frplce. Rec rm w Home Thtre w raised seating! Low mntnce yard.
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SAT & SUN 1-3
2157 Katahdin Drive, Fort CollinsCute, clean upgraded 2 Story with hardwood, stainless steel appliances and a great fenced backyard! 4th bedroom upstairs has been opened to a rec/bonus room, but can be converted back. With a main floor study, you have 2 offices or extra rooms to use as you like!
$1,200,000
$285,000
Starting at $324,900
$540,000
$398,000
Call Jack Tregenzai (970) 631-9101
Call Amber Kahler (970) 310-4170 Call Frank Glenn (970) 372-9596
Call Melissa Doherty (970) 391-5800
Call Mark Moran (970) 218-1891
Call Jeni Plum (970) 223-2771 Call Lisa Hite (970) 310-3133
MLS#765638
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SAT & SUN 11-1
8898 Long Peak Circle, WindsorSprawling ranch on 2.4 acres with 6 bedrooms, 6 baths, 5 car garage, main floor study, large open kitchen, spacious bedrooms, huge rec room, wet bar, gaming area, workout space, large patio, & a covered front porch.
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SATURDAY 10-12
900 Benson Lane, Fort Collins, 80525- Large ranch style on corner lot, with split master, 3 up two baths, bonus room over garage and finished basement with 1 bedroom, bath and a bar, rec-room storage. Big yard, 3 car, big deck.
SATURDAY 1-3
925 Burgundy Ct, Fort Collins3BD, 2BA, 1434 sq. ft. 2 car garage, great deck and private backyard with mature trees and landscaping. Located in Four Seasons.
$594,900
$540,000
$275,000
Call Sarah Hay-Arthur (970) 481-8262 Call Tony Schnee (970) 412-0010
Call Danielle Ewing (970) 590-8383
Casey Peifer (970) 420-0844
MLS#761753
MLS#000000
MLS#767022
MLS#755376
MLS#765947
AN EXCLUSIVE SERVICE OF THE GROUP, INC. REAL ESTATE
Northern Colorado Real Estate Source The RealDA EstateTI Source DAY TIME ME is Address-Description magazine produced by The Group featuring homes for sale and new home neighborhoods throughout Northern Colorado. Online version of publication at www.thegroupinc.com $000,000 containing links to detail pages MLS#000000 for most listings.
Call Agent Name (970) 000-0000
source Estate lorado Real Northern Co
CE THE SOUR to comes Old Town Fort Collins
27, 2014 September
DAY TIME
Address-Description Address-
$000,000
LEARN ROW G Name Call Agent ND A (970) 000-0000 E TOG THER
ENJOY RIDE THEBicy cling in
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Brought to you
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MLS#000000
ricts in school dist
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6, COMMUNITY-WIDE OPEN HOUSE
JUNE 2015
HOW TO BUDGET FOR HOME RENOVATIONS BEFORE YOU START PICKING OUT TILE AND COLLECTING PAINT CHIPS, BE SURE YOU KNOW HOW MUCH YOUR PROJECT WILL COST. Source: Zillow Digs Ready for a new kitchen? Anxious to redo the bathroom? The easy part is knowing what you want to remodel and why — whether you’re trying to keep up with your growing family, add office space, or increase your home’s value. But figuring out how to renovate without breaking the bank can be tricky. Here are five key steps in planning your home renovation project. Estimate costs As a general rule of thumb, you should spend no more on each room than the value of that room as a percentage of your overall house value. (Get an approximate value of your home to start with.) For example, a kitchen generally accounts for 10 to 15 percent of the property value, so spend no more than this on a renovation. If your home is worth $200,000, for example, you’ll want to spend $30,000 or less. Something else to keep
in mind: contrary to popular belief, kitchen renovations offer among the lowest return on investment, according to analysis from Zillow Talk: The New Rules of Real Estate. Every dollar you spend on a new kitchen only increases the value of your home by 50 cents. The highest return on investment? A mid-range bathroom remodel. Consider loan options If you’re borrowing money for the project, assess how much the bank will lend you (be sure to shop around!), and determine what type of loan would work best for you. If you have a one-time project, then a home equity loan might make sense. If, however, you need access to money over a period of time to fund ongoing home improvement expenses, then a home equity line of credit is preferable. Get quotes from contractors Some contractors will
PM OPEN HOUSE - 6/26 AND 6/27 NOON-229
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7030 ALADAR DRIVE, HIGHLAND RIDGE - WINDSOR
2338 SOPRIS CIRCLE, LOVELAND
4 bed, 3.5 bath, 3 car garage, 2 story - $438,000
Near new paired home with vaulted ceilings, hardwood floor, Alder Cabinets, 4 bed, 3 bath, fenced yard with sprinkler. Finished basement. Blue Ribbon Home Warranty.
give you an estimate based on what they think you want done, and work completed under these circumstances is almost guaranteed to cost more. You have to be very specific about what you want done, and spell it out in the contract — right down to the materials you’d like used. Get quotes from several contractors, tossing out the bid from the one who gives you the lowest estimate. Going with this choice could be asking for problems, as low-priced contractors are known to cut corners — at your expense. Stick to the plan
SE OU - 4p H p EN , 2 -3p OP e 26 , 11a 7 Jun ne 2 Ju
Hosted by: Beth 970.460.0759 Glassmeyer 970-215-1807 | email: bglassmeyer@c3-re.com
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Newaygo Dr. Fort Collins 80524 5 322 bed, 4 bath, 3 car, 2 story - $585,152
Dry Creek 3BR/3B home with upstairs loft! Desirable Remington plan w/fireplace & built-ins, composite deck and custom upgrades throughout. Ready to move right into!
D RMary Horton Call Ann Ozmina )&
970.460.9125 970.222.9594
maryannoz@msn.com m
%8IP EE'2 :FD YOUR TEAM OF PROFESSIONALS www.C3RealEstateSolutions.com
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1974 E. SEADRIFT DRIVE, WATER VALLEY - WINDSOR
$293,500 D R Horton
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As the renovation moves along, you might be tempted to add on another “small� project or incorporate the newest design trend at the last minute. But know that every time you change your mind, there’s a change order, and even minor changes can be costly. Strive to stick to the original agreement, if possible. Account for hidden costs Your home may look perfect on the outside, but there could be issues lurking beneath the surface. In fact, hidden imperfections are one of the reasons renovation projects end up costing more than
you anticipated. Rather than scramble to come up with extra money after the fact, give yourself a cushion upfront. Factor in 10 to 20 percent (or more) of your contracted budget for unforeseen expenses, as they can — and do — occur. In fact, it’s rare that any project goes completely smoothly. Check out home design ideas for inspiration. Vera Gibbons is a financial journalist based in New York City and is a contributor to Zillow Blog. Connect with her at http:// veragibbons.com/.
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6703 Snowdon Dr, Fort Collins $454,900 | MLS# 766721
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8455 Sand Dollar Dr, Windsor $635,000 | MLS #759009
Model Home - ranch plan w/ up- 5bd, 4ba in Highland Meadows! grades. 3 bd, 2 ba, full UF bsmt. Open plan, kitchen w/WI pantry, study, family rm, hardwd, fin bsmt Open plan 2083 w/vaulted ceiling.DRIVE, Kitch- WATER BAYFRONT VALLEY – WINDSOR en w/SS apps, WI pantry, granite, & w/mini kitchen/bar, theater rm, patio, hot tub, oversized garage, mtn island. Gas fp. Master w/5pc ba & views, near golf course. WIC. Covered deck.
4 bed, 3.5 bath, 3 car, 2 Ranch style in Water Valstory - $475,000 ley S. Kitchen w/ island, 53 granite, custom cabinetry, –3
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SS apps, double oven, WI
pantry, gas cooktop. MasD R Horton
ter w/ 5 pc bath & WIC. 970.460.9125
1943)& Dominica Dr, Windsor 3 car garage. Beautifully landscaped. $580,000 | MLS #745044
Call Dennis Schick: 970-567-3942 | dschick@aol.com
COMMUNITY-WIDE OPEN HOUSE, 7
JUNE 2015
The longer you wait to buy a home, the more it can cost you. Here’s what potential buyers should know about acting now to get in the market.
SNOOZE AND LOSE?
By Erik J. Martin CTW Features
M
any a fisherman has a story about the big one that got away. But years from now many a would-be homeowner could have a tale about the dream home that got away because they didn’t reel in the big catch in time, say the experts. A recent report published by Realtor.com indicates that the financial consequences of postponing or passing on a home purchase in the current market could prove to be quite costly. The report suggests that, on average nationally, the penalty of waiting to buy for one year is almost $19,000 and nearly $54,000 for a three-year delay. The estimated wealth that a person would garner over 30 years of homeownership, meanwhile, is over $217,000. Jonathan Smoke, chief
economist for the San Jose, California-based website, says the steep penalty in waiting just one year to buy shows how small timing decisions can have large financial repercussions. “Current market conditions give buyers the opportunity to build substantial wealth in the long-term, compared with renters and later buyers,” Smoke says. “Affordability is essentially at its peak now as both interest rates and prices will be increasing over the medium and long-term horizon. This relatively strong level of current affordability will last at least another year before both price appreciation and rate increases begin to take their toll. Since both prices and mortgage rates are on the rise, and purchasing enables a buyer to avoid high and escalating rents, the smarter strategy is to buy as soon as possible.” Bernard Klein, an agent
with Halstead Feathered Nest in New York, says attributes for the ideal candidate for jumping into the market sooner rather than later has little to no outstanding debt, steady income, liquid reserves and a credit score above 700. “Keep in mind that financing may get much more difficult in a higher interest-rate environment,” Klein says. “Lenders may become more selective, and someone’s ability to save over the year in which they (delay a purchase) may not be enough to match both increased interest rates and housing prices. So the danger of not acting now isn’t just a more expensive mortgage payment—it could mean not being able to buy anything at all.” Conversely, it could be smarter to hold off if your expected amount of time to remain in the home doesn’t cover the transaction costs of buying and
selling, Smoke adds. Brian Koss, executive vice president of the Mortgage Network in Danvers, Mass., agrees. “The best reason to delay a purchase is if you are personally not ready, not in good financial shape to buy, or emotionally chasing a home that’s exploding with multiple bids over asking price,” Koss says. Additionally, if job relocation is probable based on your employer or profession, putting a home purchase on hold is advisable. “Having to recoup your investment in a short-term period is much harder than when you have the luxury of time,” says Raymond Brousseau, executive vice president of Carrington Mortgage Services in Anaheim, Calif. Ultimately, the decision to buy or rent a home – and when – is a deeply personal one that depends on individual circumstances.
“Aside from financial considerations, one must consider other factors such as upcoming life events, job security, and family. These can all have significant impacts on ownership,” Smoke says. “It would follow that potential buyers who are confident in long-term stability of their families, jobs,and hometowns, would be wise to buy now, while those who anticipate a move or a larger family in the future might be wise to wait.” Koss recommends doing your homework on particular neighborhoods of interest and the unique markets in those communities so that you know the values and where you can afford to buy. “Decide on a timeframe, and don’t get caught up in the madness and be forced to do something you’re not comfortable doing,” he says. © CTW Features
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MATCH THE MAP NUMBER TO THE AD FOR DETAILED OPEN HOUSE INFORMATION
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Colorado State University
Stuart St
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COMMUNITY-WIDE OPEN HOUSE
N County Line Rd
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Coal Bank Watershed CB1 Reservoir
Weld County Road 88
10, COMMUNITY-WIDE OPEN HOUSE
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COMMUNITY-WIDE OPEN HOUSE 8
465 OSCEOLA DRIVE, WINTERGREEN – LOVELAND
4
5509 EVANGELINE DRIVE, HIGHLAND RIDGE - WINDSOR
970.685.4229
www.drhorton.com/Colorado
D R Horton 970.460.0759
www.drhorton.com/Colorado
7
437 OSCEOLA DRIVE, WINTERGREEN – LOVELAND
6048 PRYOR RD, SUMMERFIELDS ESTATES – TIMNATH
4 bed/5 bath, 3 car, 1 story - $567,713
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D R Horton
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3 bed/2.5 bath, 2 car, 2 bed/2bath, 2 car, Ranch Ranch - $390,000 $500,000
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D R Horton 970-493-1318
www.drhorton.com/Colorado
2
2063 CUTTING HORSE DRIVE , BUCKING HORSE – FORT COLLINS
1
2051 YEARLING DRIVE, BUCKING HORSE – FORT COLLINS
970-685-4229
www.drhorton.com/Colorado
D R Horton 970.243.8881
www.drhorton.com/Colorado
6
2029 TALON PARKWAY, OWL RIDGE – GREELEY
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D R Horton
FC-0000415826
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3 bed, 2.5 bath, 2 car, 4 bed, 3.5 bath, 2 car, 2 4 bed/3 bath, 3 car, 2 story - $375,000 story - $460,000 2 story - $540,000 D R Horton 970-243-8881
www.drhorton.com/Colorado
3
7030 ALADAR DRIVE, HIGHLAND RIDGE - WINDSOR
5
2021 TALON PARKWAY, OWL RIDGE - GREELEY
720-963-7740
www.drhorton.com/Colorado
D R Horton 970-460-0759
www.drhorton.com/Colorado
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D R Horton
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3 bed, 2.5 bath, 3 car, 4 bed, 3.5 bath, 3 car, 4 bed/2.5 bath, 3 car, 2 story - $329,222 2 story - $450,000 2 story - $329,770 D R Horton 720-963-7740
www.drhorton.com/Colorado
COMMUNITY-WIDE OPEN HOUSE, 11
JUNE 2015
IS YOUR PRICE RIGHT? How to find a sweet spot that won’t alienate buyers, nor undervalue your home By Madhusmita Bora CTW Features
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ricing is perhaps the single most important factor influencing a sale because the price tag you stick on your house can make or destroy a sale Higher prices scare buyers away, and lower prices leave owners disappointed and their properties undervalued. “It’s truly an art,� says Sandra O’ Connor, a regional vice president for the National Association of Realtors. The strategy is to try and get the best price and best terms within the time frame when your home is on the market. When priced right, homes tend to sell quicker and closer to the asking price, experts say. But, how does one arrive at that magic number?
For sellers, emotions connected with the home often come in the way while trying to attach a realistic value on their properties. But, the price they put on that home could be overshooting current market conditions, leaving them frustrated and with a sitting house on the market. Here are a few tips on how to price your home right.
Get Professional Guidance
An experienced real estate agent can guide and help set a realistic value to your home – the key is to find a the right one. Get referrals from family and friends who have recently bought or sold a home, and interview a few agents so that you know they’re knowledgeable about the local market and real estate trends. “It’s the Realtor’s name
that goes up on the sign, so if the home is overpriced, it tells people that the agent doesn’t know much about pricing,� says Martha Webb, a real estate author and producer the “Certified Home Marketing Specialist� home-selling course.
Study the market
Review similar home listings in your neighborhood and have your help you analyze the data and research. “It’s really about the ability to understand what’s happening in the marketplace,� said John Malandrino, a Chicago area Redfin agent. Malandrino says it’s important to get an all round gauge of the marketplace. Look at home prices in the neighborhood, the town or city and determine which way prices are heading. Compare your home with others similar in size and features, in a similar neighborhood and with
the same amenities. According to Elizabeth Weintraub, a Sacramento Realtor and home-selling expert at about.com, sellers should look at comparable listings and sales, sold comparables, pending-sale lists, withdrawn and expired listings, and active listings.
Test the Market
Survey people in the neighborhood about your price. Ask friends and neighbors, and research how much buyers are paying for similar properties in similar neighborhoods. Malandrino uses a service at his brokerage that surveys active local buyers on the proposed price of a home. The brokerage shares few photos and details such as number of bedrooms and bathrooms and estimated square footage for the asking price. “We get feedback within 24 hours, and we can fine-
tune the listed price based on what people say,� Malandrino says. Sometimes, clients might disagree on the estimated price an agent suggests, but “if you have analytics and details, it helps resolves such issues,� Malandrino says.
Make Reasonable Improvements
To get top dollar, you don’t have to undertake huge projects such as renovating the bathroom or redoing a bedroom. And sure, features such as granite countertops or a new roof do up the value of a home, but oftentimes just a fresh coat of neutral paint could increase the salability. “You have to exercise caution because you don’t always get dollar for dollar for every improvement project,� O’Connor says. “A new front door and fresh paint are helpful.� Š CTW Features
COMMUNITY-WIDE OPEN HOUSE 9
1834 EAST SEADRIFT DRIVE, WATER VALLEY – WINDSOR
11
6062 PRYOR RD, SUMMERFIELDS ESTATES – TIMNATH
10
164 KITTY HAWK DRIVE, WATER VALLEY – WINDSOR
970.460.9125
www.drhorton.com/Colorado
D R Horton 970-493-1318
www.drhorton.com/Colorado
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D R Horton
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FC-0000415844
3 bed, 2.5 bath, 3 car, 4 bed, 3.5 bath, 3 car, 3 bed, 2.5 bath, 3 car, 2 story $540,576 Ranch 2 story - $475,000 $470,000 D R Horton 970-460-9125
www.drhorton.com/Colorado
12, COMMUNITY-WIDE OPEN HOUSE
JUNE 2015
Ask Our Broker
REVERSE MORTGAGES:
TELL ME MORE QUESTION: I’d like more reverse mortgage information. Are all reverse mortgages backed by the Federal Housing Administration? Is there more than one kind of reverse mortgage? What happens if the newly established “financial assessment” is not affordable?
ANSWER: According to the National Reverse Mortgage Lenders Association, virtually all reverse mortgages available today are backed by the FHA. In some states you may be able to get a jumbo reverse mortgage – financing above the current $625,500 loan limit – from a private com-
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pany. Historically, reverse mortgages have been asset-based loans where the borrower could get financing if they had sufficient real estate equity, regardless of income. This made some sense because with a reverse mortgage borrowers are not required to make monthly payments for principal and interest; however, they must keep up with such things as property taxes and homeowner’s insurance, otherwise they can be foreclosed. In the case of foreclosure with an FHA-backed reverse mortgage, the lender can then make a claim against the Department of Housing and Urban Development to cover
losses. In recent years reverse mortgage foreclosures have become a bigger and bigger problem, and the result is that a new “financial analysis” requirement must show that the borrower has the credit and financial capacity to make non-mortgage payments. If not, the lender must take funds from the loan to assure future payments for such costs as taxes and insurance. According to NRMLA, with a financial analysis “the lender will examine monthly income and expenses and the borrower’s credit history to determine if they have the willingness and capacity to pay future taxes, insurance,
association fees and other mandatory obligations. If the borrower fails the assessment, the lender must create a set-aside to pay future taxes and insurance.” If the lender is setting aside money to pay for taxes and insurance, and if there’s no requirement to make monthly principal and interest costs, then for selected borrowers a reverse mortgage is really a way to ease housing costs in the future. Alternatively, borrowers need to ask if the funding available from a reverse mortgage is sufficient for their needs and if they can really age in place. As an alternative, would it be better to sell the current home and use the proceeds
for something more affordable? The new financial analysis requirement is actually a form of consumer protection in the sense that it forces borrowers to look realistically at future economic options. If a review of borrower finances prevents foreclosures down the road, then that is good for property owners, lenders and HUD. Can the borrower elect to immediately designate part of the “life expectancy set-aside” to free themselves from a future financial burden? NRMLA says the answer is yes. © CTW Features Email peter@ctwfeatures. com. Due to volume, not all questions may be answered.
JUNE 2015
COMMUNITY-WIDE OPEN HOUSE, 13
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14, COMMUNITY-WIDE OPEN HOUSE
JUNE 2015
Tips and Advice
My Home Passed Inspection, So It’s Perfect, Right? Even the most experienced home inspectors can’t always detect problems in these four areas. TIPS & ADVICE / STORY / BY MARY BOONE ON 17 JUN 2015 Home inspectors are skilled at sniffing out wood rot and locating cracks in foundations. But even the most experienced inspectors can’t tell you about problems that lurk behind walls, between floor joists or inside sewer lines. “The purpose of a home inspection is to
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find material defects that might have an adverse effect on the value of a home or its safety,” said Curtis Niles Sr., president of Armored Home Inspections in Pottstown, PA, and past president of the National Association of Home Inspectors. “We do that through a visual inspection, and we do it to the best of our ability. But we can’t find every single problem; no one
could.” A home inspection can help ensure your new home is both a good investment and a safe place to live, but it’s important to be aware of some key defects that can go undetected: HVAC deficiencies Problems with heating, ventilation and air conditioning systems (HVAC) can be difficult for home inspectors to uncover. Many inspec-
tors are hesitant to run the air conditioning in extreme cold or to check the heat on a hot day because they don’t want to damage the unit by running it too long in adverse conditions. “I can tell if a unit isn’t working, but I don’t have time during a home inspection to determine if the system is adequate for the house they’re trying to heat or cool,” Niles said. If you have concerns about the HVAC system, you may want to have it checked by a licensed HVAC specialist – separate from the home inspection. Water damage, leaks Your inspector will turn on faucets, but if a house hasn’t been lived in for a while, any previous water damage may be dried up and
it will take a few days of use before leaks reappear. Even damage to walls or ceilings can be camouflaged by paint, making them difficult to detect. If a faulty roof is the source of the leak, there’s a good chance your inspector won’t find it. Many inspectors visually assess roofs from the ground, but don’t go up onto them. Even if your inspector climbs onto the roof, snow, ice or fallen leaves may make it difficult to examine. Environmental toxins In 1978, the federal government banned the production of lead paint and asbestosbased construction materials. If the home you’re purchasing was built prior to 1978, you may want to invest in specialized testing for these toxins. Elevated radon levels, which can also be detected by a qualified radon tester, can occur in any home, regardless of its age, foundation type, location or heating system. Lead paint, asbestos and radon can pose significant risks, but they’re not the sort of issues most home
COMMUNITY-WIDE OPEN HOUSE, 15
JUNE 2015
inspectors test for. If you are aware of these toxins before closing, you can ask the seller to help pay for abatement, containment or removal – and those costs can be significant. According to the Environmental Protection Agency, professional lead-based paint removal, for example, costs $8 to $15 per square foot – that’s
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$19,200 to $36,000 for a 2,400-square-foot house. Blocked, damaged sewer lines Property owners are responsible for the sewer line that runs from their home to the city main, and the best time to find out if that line is blocked or needs replacement is before buying a home – not
after. A sewer line clog could lead to raw sewage backing up, out of the drains. A standard home inspection will likely determine the type of drain pipe used and estimate its age but, it won’t cover the structural integrity or condition of sewer lines. If the home you’re thinking of buying is more than 20 years old,
you may want to pay for a separate sewer scope to ensure the sewer line is in good shape and that tree roots have not worked their way into the line. Expect to pay $250 to $500 for a video sewer inspection, a fraction of the cost of sewer line replacement, which can run upward of $25,000. An experienced home inspector can provide important information about the condition of the house you plan to buy, but to avoid unexpected costs after closing, you may need to go beyond a standard home inspection. Those extra tests and inspections won’t come cheap, but they may
help you avoid unpleasant surprises later on. Life is infinitely easier with support and guidance. Now that you have the tools to embrace your future with confidence, let State Farm help you to protect it. MARY BOONE Mary was a newspaper writer/editor for 13 years and worked as spokesperson for a Fortune 500 Company before becoming a freelance writer. She has authored more than two dozen books for young readers and writes for a handful of regional home and garden magazines.
16, COMMUNITY-WIDE OPEN HOUSE
JUNE 2015
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