ATHOMECOLORADO.COM
REAL ESTATE
CONTRIBUTING WRITERS
Gabe Bodner
Duane Duggan
Taylor Freitas
Tom Kalinski
Amanda Lauren
Bill Myers
Rob Proctor
ADVERTISING CONSULTANTS
Thais Hafer
Toni McNeill
REAL ESTATE ADVERTISING DIRECTOR
Mary Romano
MANAGING EDITOR
Greg Stone
gstone@prairiemountainmedia.com
Submit your news or home-related events to gstone@ prairiemountainmedia.com
To advertise, call 303.588.8433
©2024 Prairie Mountain Media. A Marketing Feature of
Our last article addressed the transition of health issues and how they often affect our living conditions.
We’re now addressing the number one transition that affects housing. Nearly 85% of the people in Northern Colorado who retire choose to change their dwelling place.
BILL MYERS
Still, the phenomenon remains: Is it excitement you feel or fear? Both have the same vibrations.
From our first steps as children, each new phase in life brings fresh opportunities and experiences. Indeed, there may be challenges, grief, joy and many memories, but it’s also a chance to start something new, something exciting. Transitions can be challenging but offer an excellent opportunity to reinvent and reinvigorate your life.
Retirement is one of the most common life transitions. It marks the end of a long career and the beginning of a new chapter filled with possibilities. However, retirement doesn’t always look like we expect. For some, it’s a time of relaxation and leisure. For others, it’s an opportunity to stay active and pursue new interests. The state of the economy can also influence retirement plans, causing some to delay retirement or seek parttime work.
Health changes are another significant transition that can affect our housing needs. As we age, we may require homes that are more accessible or closer to healthcare facilities. These changes might necessitate a move to a single-story home, a retirement community, or even assisted living. Addressing these needs proactively can help ensure you continue living comfortably and safely.
Not seeing your colleagues of many years coming to the same office or selling the same items or programs has an impact.
I have a friend who flew for the airlines for over 30 years. Many people think they’d never tire of flying from one country to the next or visiting different cities throughout the week. However, after nearly 10,000 days in the same profession, a job or business can be scary – or exciting? Which will it be?
Many people make practical decisions as they transition into
When we think about transitions that affect real estate, we often deal with some big ones: retirement, health changes, loss of a partner, divorce, financial adjustments, or the desire to be closer to family.
different life stages. Whether driven by financial considerations, a desire for a simpler lifestyle, or a more manageable living space, downsizing can be both practical and emotional. It’s a chance to declutter, simplify, and create a living environment that reflects your current needs and preferences. Transitions can be challenging but also present opportunities to reinvent and reinvigorate your life. The key is to view these changes not as obstacles but as chances to explore new possibilities. This mindset can turn fear into excitement, allowing you to embrace the future with optimism. Is it excitement or fear? Neither are good or bad. We can define what experience. So, let’s raise a glass to new beginnings, to finding that perfect place to call home, and to the countless first steps still ahead of us. Cheers to the next exciting chapter of your journey!
As you navigate these transitions, finding the right home is crucial. A home that meets your current needs and supports your future goals can make all the difference. Whether you’re looking for a place to retire, a house that accommodates health changes, or a new start after losing a spouse, numerous options are available.
Working with a real estate professional who understands these transitions can be invaluable. They can help you identify properties that align with your needs and preferences, providing support and guidance.
This partnership ensures that your transition is as smooth and stress-free as possible.
Transitions are an inevitable part of life, but they also offer exciting opportunities for growth and new experiences. By embracing these changes with a positive mindset and seeking the proper support, you can navigate them successfully and find a home that enhances your new chapter. Here’s to the next exciting phase of your journey – may it be filled with joy, growth, and new adventures.
Navigating life’s transitions can be daunting yet exciting. With each step, embrace the opportunities that come your way, and remember that finding the right home can make all the difference. If you’re ready to explore your options, ensure that you employ an experienced realtor, one who listens and is empathetic to your feelings.
Next time we’ll explore another transition to promises changes in your environment. You’ll have a choice. Will it be fun? Or frightening.
Bill Myers is a Colorado native living in Berthoud, who has been a successful Realtor for more than 46 years providing creative and solution based real estate for Coloradans since 1979. Call or text Bill at 970.578.1774 or learn more through his website at billmyersrealtor.com.
(Photo: marekuliasz/Shutterstock)
Our hearts go out to those a ected by the wild res again this season. It brings to mind the need to protect your home’s value from the potentially devastating impact of re.
TOM KALINSKI
Here in Colorado, we are fortunate that our housing market ranks top for growth and stability. In fact, Boulder and Fort Collins sit side-by-side in the 2023 SmartAsset rankings, with Boulder claiming the No. 3 position and Fort Collins at No. 4.
If you ever needed a reminder, now is the time to review your insurance policy to ensure it covers the cost of rebuilding your home.
Homeowners should do an insurance policy “check-up” each year, according to the non-pro t Rocky Mountain Insurance Information Association (RMIIA). e goal is to
keep up with local building costs and adjust your policy to cover remodeling or home improvements and your personal belongings.
But what do you need to know about your homeowner’s insurance policy? It’s critical to know what your policy covers and have con dence it will cover the cost of rebuilding, especially at the moment you need it. Here are some of the basics you want
to know, as reported by RMIIA.
• e typical homeowners insurance policy covers damage from re, windstorm, hail, water damage (excluding ooding), riots and explosion. e policies often cover other causes of loss, like theft and the extra cost of living elsewhere while the structure is being repaired or rebuilt.
• Your insurance needs to cover the structure of your home and your personal belongings.
RMIIA describes three ways to insure your home:
1. Replacement cost pays the cost of replacing the damaged property without deduction for depreciation but is limited to a maximum dollar amount.
3. Actual cash value covers the cost to replace your home minus depreciation costs for age and use. For example, if your roof is 15 years old and the life expectancy of your roof is 20 years, the roof’s cash value would be a small percentage of replacement cost.
e RMIIA website suggests that you “should insure your home for the total amount it would cost to rebuild your home if it were destroyed. at’s not the market value, but the cost to rebuild.”
2. Extended replacement cost covers costs up to a percentage – usually 20% – over the limit. It protects against a sudden increase in construction costs.
To get a quick estimate on the amount to rebuild your home, multiply the local building costs per square foot by the total square footage. Check with your insurance agent to get the local building rates in your area. In addition to construction costs and square footage, other factors that a ect the cost to rebuild include the type of exterior wall construction,
If you’re like many home shoppers, you understand that there are differences between condos and townhomes but you don’t quite understand what those differences are. This is because there are also similarities, most notably that townhomes are frequently governed by a homeowner association and condos almost always are.
ROB PROCTOR Row of townhomes. (Photo: Shutterstock).
• Condominium: Sole ownership of one unit in the community and joint ownership of common areas.
condos do.
To make it even more confusing, townhomes can be owned as condominiums or fee simple ― meaning the homeowner not only owns the home, but the land on which it sits as well.
Let’s take a look at two of the most significant questions you should ask when you’re considering buying a townhome.
Homeowner association
I don’t know about you, but when I think about condos, I picture a large structure with lots of units. This is typical of many of our condo communities. The problem with describing the home in this manner, however, is that the word “condominium” is a form of ownership, not a type of structure.
There are three main types of homeownership:
• Fee Simple: Ownership of the land and the home
• Cooperative: Ownership of shares in a corporate-owned building with the right to live there but the person doesn’t actually own the unit.
The condo owner owns only what is between the walls of his or her unit and has an ownership share in the common areas. The word townhome, on the other hand, is a structure that usually has at least two stories, it is attached to at least one other home but each home has its own front door to the street, not a hallway as many
Buying a home in a managed community means that you’ll be required to pay monthly HOA dues and other fees. These can be quite significant, so take them into account when determining how much you can afford to spend on housing every month.
Also, ask questions about anything in the HOA documents that you don’t understand.
If you’ll be taking ownership of a townhome as a condominium, rather than fee-simple, the lending process is a bit different.
The lender may look at the owner-
occupancy rate in the community. If the tenant-occupied rate is more than 30 percent, you may have to search long and hard for a lender who will take it on.
The lender will also peruse the documents to determine the number of homeowners that are behind in their dues payments. If that number exceeds 15 percent of all homeowners in the community, you’ll have trouble finding a loan.
Townhome living is ideal for those that want the benefit of homeownership at a cheaper price and without some of the maintenance chores that come with a detached home. Do a bit of homework, however, before agreeing to purchase.
Rob Proctor is the Broker/Owner of At Home Real Estate Company in Loveland. Born and raised in Loveland, Rob calls Northern Colorado (Loveland, Fort Collins, Greeley and Windsor) his home with his wife and three daughters. To contact Rob, call 970.481.2133, e-mail rob@athomerealestateco.com or visit athomerealestateco.com.
Did you know that people aged 75 and older have the highest average credit card debt of $8,080 per person as of September 2023?
Moreover, 53% of those 75 or older reported having debt, compared to 21% in 1989. That is more than double the number of people aged 75 and older who have debt.
I find these statistics to be extremely scary, very sad and truly dangerous. But that is not all…check out some of these additional statistics about senior debt:
• Of adults who are 55 and older, one in four worry they’ll never pay off their debt, and 22% are afraid they won’t be able to afford rent or will need help with mortgage payments.
• Older Americans have the
highest percentage of a home equity line of credit (HELOC) debt, with nearly 5% of those aged 70 and older having HELOC debt.
• In 2016, 46% of homeowners aged 65 and older had mortgage debt.
• Of the 9.7 million older adults who owe money on a mortgage
8810 18th St,Greeley
Desirable W. Greeleyranch-style home w/ UF bsmt. Open design, high vaulted ceilings, 2-sided FP.Lg kitchen w/amplecounterspace &all appls inc. Primarybdw/WIC, 5-pc bth, soaking tub,private patio.Easy access to I-25 &local businesses. Newext paint, newer flring,new roof
$449,900 |MLS #1015739
Listed by Rhonda Heth 970-566-3516 hethrh@gmail.com
and/or home equity line of credit, 30% have payments that exceed one-quarter of their income.
• Housing-related expenses cost adults 55+ an average of $16,219 per year, which is equal to roughly 33% of their yearly budget.
One of the top concerns of adults
1775 E11th St, Loveland
Charming home boasts alarge, expanded stampedoutdoor patio perfect forentertaining, newerA/C,water heater,and luxur yvinyl plank (LVP) flooring throughout. 3 be ds /3b a th s/ 24 47 SF-move-in ready!
$489,900 |MLS #1011910
Listed by JoAnnCaddoo 970-2195922 joannc@remax.net
65 and older has always been not having enough savings for retirement and not being able to pay off debt. The National Council on Aging and Consumer Finance reports that the number of adults who retire with debt is increasing.
So why am I talking about all these very concerning statistics? It is because there is a great solution to pay off all this consumer debt and eliminate mortgage payments. It is called a Home Equity Conversion Mortgage. Maybe you have heard of it before? Yes, this is a type of reverse mortgage, and it is a fantastic solution to consolidate debt, eliminate mortgage payments of principal and interest, and free up cash flow to ensure that your income goes further every single month.
These fantastic programs have changed over the last 10 years and are much better, more flexible, and safer than they ever have been in the past. If you have consumer debt and a significant amount of home equity, it might be time for you to explore this option.
For more information on consumer debt, visit:
• debt.org/advice/financialassistance-for-senior-citizens
• ramseysolutions.com/debt/ average-american-debt
• ncoa.org/article/get-the-factson-economic-security-forseniors
628 Deer MeadowDr, Loveland Moderndesign &upgrades, oversized master,wood floors, oversized 3car garage, extended coveredpatio.Charming front courtyard&covered patio. Nestled alongapproachto3rd green on Mariana Butte
GolfCourse
$980,000 |MLS #1015288
Listed by Russ Loya 970-286-4321 SatHost: Brad Hutchings SunHost: CarolynMcDonald
Gabe Bodner is a retirement mortgage planner and licensed mortgage originator in multiple states. Gabe utilizes the latest research from the top researchers to assist his clients in living for today and planning for tomorrow. To reach Gabe, call 720.600.4870, e-mail gabe@bodnerteam.com or visit reversemortgagesco.com.
Nelson Park Ln LONGMONT
$650,000, 4Beds,3 Baths, 2799 SqFt
NEAR OLD TOWN 110LawleyDrERIE
$489,900, 4Beds, 2Baths, 2016 SqFt
COURSE MOUNTAIN RETREAT 1436 MatthewCir ESTESPARK
$600,000, 3Beds,2 Baths,1476 SqFt Susan Martin 720-470-7939
NICELYMAINTAINED BI-LEVEL 2168 Tulip St LONGMONT
$450,000, 3Beds, 2Baths, 1292 SqFt
LIKE-NEW 2STORY W/ VIEWS 501 Grand Market AveBERTHOUD
$550,000, 4Beds, 3Baths,2261 SqFt
MODERN YET RUSTIC 79 Sutherland Rd ALLENSPARK
$400,000, 1Bed,1 Bath,520 SqFt
OpenSun12-2
JUSTLISTED QUIET CUL-DE-SAC 3171 E107th Ct NORTHGLENN
$520,000, 3Beds, 3Baths, 2235 SqFt
TOWNHOME LIVING@ ITSBEST 1601 GreatWestern Dr G-1 LONGMONT
$370,000, 2Beds, 3Baths, 1826 SqFt
979 Meadow Glen DriveBoulder
OpenSat. &Sun. 11am-1pm
Openfloorplan with mountain views &apond www.979.wkre.com
Abe Moger: 720-300-4590
1854 Bell Drive Erie
Open Sat. 1-3pm $1,025,000
Beautiful and spacious home in Arapahoe Ridge. www.1854.wkre.com
Janet Borchert: 30-263-3215
1030StuartStreet Longmont
Open Sat. 12:30-2:30pm $850,000
Grand addition w/ kitchen, gr troom! Spacious! w ww.1030.wkre.com
DeneYarwood: 303-808-0076
ww w.2190.wkre.com
Deiparine: 720-280-1680
Adorable West Side FoCo Condo ww w.3005.wkre.com
MatthewJensen: 303-819-6494
500 RidgeviewDrive Louisville
OpenSat.1-3pm &Sun.12-2pm $650,000
RarefindinLouisville! ww w.500.wkre.com
Sat.11am-1pm &Sun. 1-4pm $730,000 Meticulously maintained townhome with views! www.629.wkre.com
MattLadwig: 303-809-0259
JanetBorchert: 303-263-3215 700 Tenacity Drive #204 Longmont Under Contract! $432,500 Modern design condo in thehear tof
Prospect! ww w.700.wkre.com
Dene Yarwood: 303-808-0076
An Accessory Dwelling Unit (ADU) is an additional living space that includes its own kitchen, sleeping area, and bathroom. Regulations for ADUs differ nationwide.
In Boulder, ADUs can be either attached to or separate from a single-family home, must be on a single-family lot, and the property owner must reside in one of the units. Traditionally, the real estate industry has affectionately called these units “mother-in-law” apartments.
There are a variety of reasons why an ADU might be a benefit to homeowners:
An ADU could be the perfect way to keep elderly parents or grandparents close to you at a much lower cost than various types of senior housing.
Adult children with disabilities could be close to family but still have their independence.
If elderly or disabled family members live in the main house, an ADU could provide housing for a caregiver.
Adults often return home and need a place to stay.
The space could be perfect for guest housing or a home office.
If the space is rented to an outside tenant, the income could be used to help pay the mortgage or as an investment.
Local laws or zoning rules might dictate the type and size of accessory dwelling units, but in general, ADUs could be grouped into the following categories:
Basement apartment—This option tends to work best if the basement is a walkout or at least has a separate entrance. If the basement is already finished with bedrooms and a bath, it may not take much to make it a separate functional unit.
Garage Conversion—Losing a parking space could be a key issue. Garages seldom have any conversion infrastructure already built in, likely making it more expensive to create.
Detached ADU—Some communities will call this an alley house, a house behind a house, or a tiny house. A whole new structure will likely be the most expensive option. Many communities will not allow an ADU that is completely detached from the main home.
Junior ADU—This could be the
creation of living space out of a sun porch or recreation room. This would be for a situation where the occupant would likely share in many of the services of the main home.
Not all single-family homes create the perfect structural situation for creating an ADU. Boulder recognized the need for ADUs many years ago and have guidelines set up. Guidelines do vary for attached, detached, Landmarked or affordable units. If you are considering setting up an ADU in your home, be sure to check your local municipality see if they are legal and what the requirements are.
As an example, here are a few of the basic rules taken from the City of Boulder’s code. There are two types of accessory dwelling units (ADUs) permitted in the City of Boulder: attached and detached. An attached accessory dwelling unit means a separate and complete single housekeeping unit within a detached single-family home. A detached accessory dwelling unit means a separate and complete single housekeeping unit within an accessory structure on a property on which a detached single-family home is located. In addition, specific standards apply to affordable accessory units (i.e., units that meet the affordability standards) and designated historic properties. ADUs are regulated per Section 9-64(a), B.R.C. 1981. ADUs are allowed on lots 5,000 square feet or larger in
the RR, RE, RL, RMX, A or P zoning districts. A single-family dwelling unit with an accessory dwelling unit is not considered a duplex or a multi-family dwelling. The owner must reside in either the principal dwelling unit or ADU. Depending on the zoning district, the number of allowable ADUs that may be issued for a given area is limited (see Subsection 9-6-4 B.R.C. 1981 for more information). Additional compatible development restriction standards apply to properties located in the RR, RE, RMX-1, and RL-1 zoning districts. If the proposed ADU or principal dwelling unit is to be rented, a rental license is required. Short-term rentals (less than 30 days) are not allowed on either the ADU or principal dwelling unit unless the ADU and rental license were established prior to January 3, 2019.
This link provides access to the rules and application process for the City of Boulder. https://bouldercolorado. gov/sites/default/files/2021-03/adraccessory-dwelling-unit.pdf
An ADU can help increase the velocity of your wealth in a variety of ways:
If you rent the ADU, the income can be used to help pay the mortgage payment. The rent could be applied directly to the principal of the mortgage, building equity faster. Another possibility is to take the rent each month and wisely invest it. By using the ADU for elderly or
disabled family members, there would likely be a large savings on housing as compared to senior housing or assisted living.
Many buyers are looking for homes that specifically have an ADU. Higher demand for this type of property would likely increase the value of the home and, in turn, create more equity.
If you’re purchasing a home with what seems to be an ideal ADU, it’s crucial to confirm that it is legally permitted. Many homeowners have constructed separate units without adhering to proper procedures, which could prevent you from using the property as you planned.
Be sure to consult your local Realtor® for help in determining if an ADU is right for you.
Duane graduated with a business degree and a major in real estate from the University of Colorado in 1978. He has been a Realtor® in Boulder since that time. He joined RE/MAX of Boulder in 1982 and has facilitated over 2,500 transactions over his career. Living the life of a Realtor and being immersed in real estate led to the inception of his book, Realtor for Life. For questions, e-mail duaneduggan@boulderco.com, call 303.441.5611 or visit boulderco.com.
By Taylor Freitas Bankrate (TNS)
Your monthly mortgage payment will probably be the largest line item in your household budget. Impacting the size of those payments is the sort of mortgage you choose — particularly a 15-year vs. a 30-year mortgage. A shorter schedule requires larger payments but allows you to pay off the loan faster, while a 30-year schedule lowers your monthly payments but costs more in interest in the long term. Here’s how to decide whether a 15-year or a 30-year mortgage is right for you.
15-year vs. 30-year mortgages: What is the difference?
Both 15-year and 30-year mortgages are fixed-rate loans. The difference lies mainly in their terms — how long you have to pay them off.
The 30-year, fixed-rate mortgage is the go-to for most Americans buying a home because it allows the borrower to spread loan payments out over three decades. Doing so helps keep the monthly payment more affordable. But it does mean paying more in total interest for the loan.
With a 15-year mortgage, borrowers pay off their loan in a decade and a half. As a result, each monthly loan payment will be larger. But the overall cost of the loan will be less, since you’re paying interest for a shorter amount of time.
“The longer the term, with everything else being equal, the lower the payment amount because the mortgage amount is amortized over a longer period,” says Teri Williams, president and chief operating officer of OneUnited Bank, adding that, a 15year mortgage would also have a lower annual percentage rate, or APR, than a 30-year mortgage. Lender offer lower rates on the shorter loans because it’s easier to predict repayment over a 15year timeline than a 30-year one. Even with a lower rate, though, your monthly payments will almost always amount to less with a 30-year mortgage compared to a 15-year mortgage.
15-year vs. 30-year mortgage example
The cost difference between a 15- and 30-year mortgage can be significant. Below is an example of the options on a $300,000 loan. We’ve assumed 6.90 percent interest on the 30-year term and 6.24 interest on the 15-year term, based on Bankrate’s national survey of lenders as of July 24.
As an example, on a $300,000 mortgage with a 6.90 percent interest rate, your monthly payment would total $2,240 for 30 years. You’d spend $411,288 in interest over the course of 360 monthly payments.
A 15-year mortgage carries a lower mortgage rate. So, with a $300,000 15-year mortgage at a rate of 6.24 percent, the monthly payment would total $2,835 or $162,714 in interest over the life of the loan.
Though payments are lower each month with a 30-year mortgage, the interest rate is higher and paid over a term double in length. Over time, a 30-year mortgage is thus substantially more expensive than a 15-year loan, thanks to heftier interest rates.
15-year mortgage pros and cons
A 15-year mortgage might sound like a more attractive option. You’ll likely save a bundle in interest and pay off your home faster. Still, there are tradeoffs to consider.
Pros
• Typically lower interest rate
• Much less interest paid over
the life of the loan
• Loan is paid off sooner
• Builds home equity faster, as payments toward loan principal are higher
Cons
• Monthly payments are higher to speed up repayment
• Can be harder to qualify for
• Less wiggle room in budget for emergencies or investments
30-year mortgage pros and cons
A 30-year mortgage may give you more breathing room in your monthly budget, and it’s generally easier to qualify for. But you’ll pay far more in interest.
Pros
• Monthly payments are lower because the life of the loan is extended
• Flexibility to pay back the mortgage sooner as you may choose to make higher or extra payments as you are able
• Potentially more money available for emergencies or
savings and investment
• Lower income qualifications, as you do not need to prove an ability to make payments on a condensed schedule
Cons
• Typically higher interest rate
• Loan takes longer to pay off
• Much more paid in interest over loan lifetime
• Loan is more expensive overall
Alternatives to 15-year and 30-year mortgages
If these loan terms don’t work for your financial situation, some lenders offer mortgages with other terms or repayment strategies. Alternatives worth considering include:
• 10 year: These loans are ideal if you want to be aggressive with your repayment strategy. Expect a steep monthly payment, which could be worth it considering the amount of interest you’ll save.
• 20 year: You’ll get a slightly
more a ordable monthly mortgage payment than a 10year mortgage but can still save a bundle in interest and pay your loan o faster.
• 40 year: Relatively rare, but o ers the lowest monthly payments. Still, you might want to re nance later once you can a ord higher to minimize the overall cost.
• Interest-only mortgage: is option lets you make interestonly payments during an introductory period, followed by much higher principal and interest payments over the remaining loan term.
• Adjustable-rate mortgage (ARM): ARMs are generally 30-year mortgages with low xed rates during an initial period. After that, the mortgage enters a variable-rate period, where the rate changes periodically. For example, with a 10/1 ARM, you’ll get a xed interest rate for the rst decade of your loan. When that ends, you’ll get an adjustable rate – that changes once per year – for the remaining 20 years. ARMS are best if you plan to move or re nance before the introductory period ends.
Consider how long you plan to stay in your home versus the duration of the mortgage you’re considering. If your goal is to get as low a payment as possible for a short time (i.e., less than ve years), you might want to explore an interest-only mortgage.
“Many people sell their home before 15 to 30 years and pay o their mortgage before the end of the term, so the mortgage term may be less important,” says Williams.
Prepay a 30-year mortgage
You can always take out a 30-year mortgage and make higher or more frequent payments to pay it o sooner. Also known as prepaying your mortgage, this strategy e ectively lets you create your own 15-year mortgage from a 30-year one.
Before going this route, check whether your loan has a prepayment penalty. ese days, most mortgages don’t — but if yours does, the penalty usually only goes into e ect if you pay o the mortgage, or a signi cant portion of it, within the rst three to ve years of the loan.
Is a 15-year or 30-year mortgage better for you?
Bear in mind that 15-year mortgages demand stronger nancials, because the monthly payments are higher. Lenders will want to see a higher income and lower debt-to-income ratio.
Assuming you can qualify for both loans, though, what ultimately should drive your decision is what mortgage payment you can a ord, and whether or not a larger payment would strap you and inhibit making other important nancial moves, like saving for retirement.
Here’s a closer look at some key factors to consider when choosing between the two:
• Calculate mortgage payments for homes at multiple price points: Bankrate recommends following the 28 percent rule and the 36 percent rule. ese rules advise buyers that no more than 28 percent of their gross income should go towards a mortgage payment each month and that no more than 36 percent of their gross monthly income should go toward monthly debt payments.
• Take a close look at your monthly budget. Evaluating your spending plan and nancial commitments can help you determine what kind of mortgage payment will be feasible and comfortable for you. If you will feel consistently over-extended by the payments on a 15-year mortgage, you may consider getting a 30-year loan and making extra payments to it for an earlier payo .
• Understand your income and obligations. “ e consumer also needs to consider the reliability of their income and debt levels,” says Rocke Andrews, past president of the National Association of Mortgage Brokers. Also, keep in mind that the requirements for a 15-year mortgage could be a concern for individuals whose income is seasonal or commission-based.
house style, number of rooms and bathrooms, roof type and special features.
It cannot be said often enough: homeowners should check the value of their insurance policy each year. RMIIA recommends asking your insurance agent for an in ation guard clause to “automatically adjust the dwelling limit when you renew your policy to re ect current construction costs in your area.” Even if you have an in ation guard clause, you should still double-check your policy each year to be sure it is keeping up with local building costs.
Your personal belongings can also be insured in two ways:
1. Replacement cost coverage pays the dollar amount needed to replace damaged personal property with items of like kind or quality without deduction for depreciation.
2. Actual cash value pays the replacement value of the damaged property minus depreciation. It’s important to note that unless your homeowner’s policy speci es that the property is covered for its replacement value, the coverage is for actual cash value.
Be sure to check the limits of your policy on personal items, such as jewelry, silverware, furs and computer equipment. RMIIA recommends
that if the limits are too low, consider adding a special personal property endorsement to your policy. Make an inventory and document everything you own in your home and in other buildings on the property by writing it down — along with serial and model numbers and date of purchase — and take still or video pictures. Include receipts when you can.
For more information, visit the following websites for excellent resources on insurance coverage:
• Rocky Mountain Insurance Information Association: rmiia.org/homeowners/ Walking_ rough_Your_ Policy/Homeowners_ Insurance_basics.asp
• Colorado Department of Regulatory Agencies Division of Insurance: doi.colorado.gov
Tom Kalinski is the broker/owner of RE/MAX of Boulder, the local residential real estate company he established in 1977. He was inducted into Boulder County’s Business Hall of Fame in 2016 and has a 40-year background in commercial and residential real estate. For questions, e-mail Tom at tomkalinski33@gmail.com, call 303.441.5620 or visit boulderco.com.
©2024 Bankrate online. Visit Bankrate online at bankrate.com. Distributed by Tribune Content Agency, LLC.
733 Canyonlands St.
$650,000
Sun 2-4 p.m.
Christine Torres
RE/MAX Alliance
– Fort Collins (720) 320-1405
1825 Marine St., #9
$338,900
Sun 1-3 p.m.
Karla Bielanski
RE/MAX of Boulder (303) 931-5774
2850 Aurora Ave., #303
$550,000
Sat & Sun, 11 a.m.-1 p.m.
Sean Grycel
WK Real Estate (626) 429-2189
3515 Broadway, Unit A
$750,000
Sun 1-3 p.m.
Tom Kalinski
RE/MAX of Boulder (303) 931-2581
1726 Pine St.
$950,000
Sun 1-3 p.m.
Rob Justis
WK Real Estate (303) 817-0906
4017 Wonderland Hill Ave.
$1,195,000
Sat 1-3 p.m.
Karolyn Merrill
The Patrick Dolan TeamRE/MAX of Boulder (303) 817-2827
3109 Bluff St.
$1,200,000
Sat & Sun 1-3 p.m.
Mark Gisler
RE/MAX Alliance (917) 287-2551
1330 Alpine Ave.
$1,200,000
Sat & Sun, 11 a.m.-1 p.m.
Abe Moger WK Real Estate (720) 300-4590
63 Plains View Road
$1,250,000
Sat 3-7 p.m.
Kimberly Fels
RE/MAX of Boulder (303) 888-5655
2242 Juniper Court
$1,295,000
Sat & Sun 1-3 p.m.
Dale Pearson
RE/MAX of Boulder (303) 818-5640
979 Meadow Glen Drive
$1,375,000
Sat & Sun 11 a.m.-1 p.m.
Abe Moger WK Real Estate (720) 300-4590
5302 Pinehurst Drive
$1,500,000
Sun 1-3 p.m.
Patrick Dolan
The Patrick Dolan TeamRE/MAX of Boulder (303) 441-5642
290 Mohawk Drive
$1,625,000
Sat 4:30-6:30 p.m.; Sun 1-3 p.m.
Mary Kathryn Wood WK Real Estate (303) 859-2766
3754 N. 26th St.
$2,295,000
Sat 2-4 p.m.
Keith McQuillen
WK Real Estate (303) 589-1432
225 Bristlecone Way
$2,300,000
Sat 11 a.m.-1 p.m.
Craig Peterson WK Real Estate (303) 913-7594
37 Wagner Circle
$2,300,000 Sun 11 a.m.-1:30 p.m.
Terri Barnes Slifer Smith & Frampton (720) 257-3732
2730 Iliff St.
$2,700,000
Sun 12-2 p.m.
Barry Remington WK Real Estate (720) 373-9297
BROOMFIELD
13339 Panorama
View Lane
$685,000 Sat 11:30 a.m.-1:30 p.m.
Barry Remington WK Real Estate (720) 373-9297
DENVER
1646 Winona Court
$1,130,000 Sun 12:30-3 p.m.
Mia Ness
Slifer Smith & Frampton (720) 273-7567
ERIE
2901 Quartz Place
$570,000
Sat 2-4 p.m. Sun 1-3 p.m.
Janet Borchert
WK Real Estate (303) 263-3215
2190 Alpine Drive
$638,500 Sat 11 a.m.-1 p.m.
Emma Hall WK Real Estate
702 Sundance Circle
$875,000 Sat 11 a.m.-2 p.m.
Camilla Weiss WK Real Estate (303) 579-4884
1854 Bell Drive
$1,025,000 Sat 1-3 p.m.
Mary Kathryn Wood WK Real Estate (303) 859-2766
2791 Eagle Circle
$1,300,000 Sun 1-3 p.m.
Bryce Dolan The Patrick Dolan Team-RE/MAX of Boulder (720) 339-5759
ESTES PARK
1436 Matthew Circle
$600,000 Sat 11 a.m.-1 p.m.
Susan Martin RE/MAX Alliance (720) 470-7939
LAFAYETTE
856 Applewood Drive
$998,000 Sat 1-4 p.m.
Karen Libin KL Realty (303) 444-3177
2830 Shoshone Trail
$1,840,000 Sat 11 a.m.-1 p.m.;
Sun 11 a.m.-2 p.m.
Brian MacDonald Compass-Boulder (303) 915-6126
LONGMONT
1444 Cedarwood Drive
$530,000 Sat 11 a.m.-1 p.m.
Bill Sharp Colorado 1st Realty (303) 931-6098
1348 Mount Evans Drive
$579,000 Sat 11 a.m.-1 p.m.; Sun 12-2 p.m.
Laura Chittick WK Real Estate (303) 332-4118
731 Summer Hawk Drive
$624,900 Sun 12-2 p.m.
Amy Darcy LoKation Real Estate (303) 725-3756
629 Grandview Meadows Drive
$730,000 Sat 11 a.m.-1 p.m.; Sun 1-4 p.m.
Matt Ladwig WK Real Estate (303) 809-0259
4969 Eagan Circle
$774,900 Sat 11 a.m.-1 p.m.
Cynthia Hogarth WK Real Estate (303) 579-4884
843 Glenarbor Circle
$820,000
Sat 11 a.m.-1 p.m.
Tom Pringle RE/MAX Alliance (303) 921-2668
1030 Stuart St.
$850,000 Sat 12:30-2:30 p.m.
Debbie Haubert WK Real Estate (303) 588-2128
1012 Neon Forest Circle
$1,185,000 Sat 12-2 p.m. Suzy Williamson RE/MAX Alliance (720) 491-9885
LOUISVILLE
500 Ridgeview Drive
$650,000 Sat 1-3 p.m.; Sun 12-2 p.m.
Janet Borchert WK Real Estate (303) 263-3215
LYONS
240 Leons Place
$2,598,000 Sun 1-4 p.m.
MIchelle Sander RE/MAX of Boulder (303) 956-5082
NIWOT
8160 Rye Court
$1,250,000 Sun 12-2 p.m.
Melanie Miller RE/MAX Alliance (303) 521-6501
ROLLINSVILLE
70 Collins Way
$795,000
Sun 12-2 p.m.
Josh Harrod RE/MAX Alliance (303) 517-1763
5302 PINEHURST
5Bedrooms • 5Bathrooms • 4,788 SQFT • $1,300,000 Locatedinthe vibrantVista Ridgecommunity, thiscustom home offersaperfect blend of modernluxury &comfort with terrificentertaining areas including alarge backyard backing to greenbelt. Thenicely finished walkout lowerlevel w/ guest suite &separateentrancemakes fortruemulti-generational living. Walk to neighborhood pool, fitness center &Colorado National Golf Course.
Wonderful opportunity for main floor living near the Boulder Country Club with a 3-car side-load garage & low maintenance backyard. The sprawling ranch-style home features a very open floor plan withhigh ceilings, gourmet kitchen withlarge center island that opens out to living space.Large primary suite with 5-piece bath. Finished lower level with family room, bedroom & full bath. OPEN SUNDAY 1-3 PM!
4Bedrooms • 4Bathrooms • 2,411 SQFT • $1,195,000 Walk to Wonderland Lake andanextensive network of trails and open spacefromthisterrifictownhome featuringbeautifulupdatesthru-outincluding ahigh-end kitchen with custom cabinetry, marblecounters, Bosch appliances& tastefully updatedbaths.The bedrooms are generoussized, thereisa great finished basement and lovely privatebackyard/patiowithpeek-a-boo views.
Experts weigh in on what could be causing you to struggle with maintaining your household. (Photo: FreshSplash).
By Amanda Lauren RealSimple.com / Living Space
Do you ever feel like no matter how much effort you put into decluttering and organizing, your home never looks neat? Or perhaps you spend a lot of time on a cleaning project, and a few days later, you get busy, and the whole house feels like a disaster again? There could be a few things going on that explain the chaos — here’s why your home always looks messy, along with some helpful tips from professional organizers on what to do about it.
1. There are dishes left in the sink. Open floor plans are more popular than ever these days. But unfortunately, that means everyone is subjected to seeing your messy kitchen. Not only does a sink full of dishes look unsightly, it can also smell. So prioritize getting this done ASAP. “If you do your dishes as soon as you use them, you will never have a mess,” says professional organizer and founder of organizing service O.C.D, Ashley Stewart. “If it is too hard to clean dishes throughout the day, make it a point to make sure you go to bed with no dishes left in the sink.”
2. Toys are everywhere. Children make it challenging to keep a home tidy, but it’s not impossible
to get things under control. “The best solution for toys is to have baskets and bins where you can put the toys in,” says Stewart. “Not everyone has time to organize every day, but everyone does have time to pick up toys and put them in bins — kids included. When you teach your kids from an early age they clean up at the end of play, they will learn to put things away after they use them.”
3. The bed isn’t made.
Your bedroom will always look clean and tidy if your bed is made. It only takes a minute and makes a big impact. “I can’t stress this one enough. There is something about a made bed that sets the mood for the rest of your house. If your bed is made, not only will your bedroom look cleaner, it will feel better getting into at night,” explains Stewart.
4. You’re not using the laundry hamper.
We’re all guilty of wearing a sweatshirt for a few hours, failing to put it away, and leaving it on a chair or worse — the floor. This often results in messy piles. “If you don’t hang up your clothes after you wear them or put them in the laundry, you are most likely going to have that one chair in your room that becomes an abyss for your clothes,” says Stewart.
To avoid a cluttered space, the organizer advises making it a habit to put your clothes away or in the hamper after you wear them. It only takes a few seconds and makes a major difference.
5. Things don’t have a home. Lindsey Mahanna, professional organizer and founder of Clutter to Clarity, says when things don’t have homes, they often end up in random spots, creating messes throughout a space. “If you make the time to tidy, you need to know where to put away those items that have accumulated on the counter. If you haven’t already figured out a home for each of these items, how can you know where to put them away?”
6. You have too much stuff. Whether you live in a studio apartment or a palatial estate, we all have a finite amount of room to store our things. So, if you have too much of anything, it’s crucial to declutter regularly. “It’s hard to tidy when there are too many items that will fit in a space,” says Mahanna. “Now, if you are more than reasons in play, they just compound and make it even harder to tidy up.”
Make a decluttering schedule and stick to it. It also helps if you think about whether you truly need
something before making a purchase. Do you really need another white T-shirt if you already have five?
7. There isn’t a system in place. Shantae Duckworth, professional organizer and founder of Shantaeize Your Space shares that one of the major problems messy homes have is a lack of effective systems “By implementing practical organizing strategies, establishing daily routines, and decluttering regularly, you can transform your space into a more organized space that will not get messy as quickly.”
So, don’t be afraid to figure out how to tackle this problem. Put the kids in charge of decluttering their rooms. Make a plan to sort through your pantry every third Wednesday. Evaluate your bathroom monthly. You can also hire a professional organizer to figure out systems that will be easiest for you and your family to maintain.
Real Simple magazine provides smart, realistic solutions to everyday challenges. Online at www.realsimple.com.)
©2024 Dotdash Meredith. All rights reserved. Used with permission. Distributed by Tribune Content Agency, LLC.
To view a more cities and a more complete list of new home communities and builders across the Colorado Front Range, view our interactive map online at: www.AtHomeColorado.com/NewHomeMap
Our region is home to more than 700,000 residents and includes some of the most diverse, natural landscapes and sustainable development along the Front Range of Colorado. Here we highlight a selection of the area’s new home communities and which builders are building where.
1 Farmstead
Builder: Sage Homes
2 Rose Farm Acres
Builder: Richmond American
4 Velo Condos
Builder: Thistle Velo LLC
BROOMFIELD
5 Baseline Colorado
Builders: Boulder Creek Neighborhoods, Meritage Homes, Thrive Home Builders
6 Vive on Via Varra
Builder: Meritage Homes
7 Coal Creek Commons
Builder: Century Communities
8 Colliers Hill
Builders: Boulder Creek Neighborhoods, KB Home, Richmond American
9 Compass
Builder: Lennar
11 Erie Highlands
Builder: Oakwood Homes
12 Erie Village
Builder: Porchfront Homes
13 Flatiron Meadows
Builder: KB Home, Taylor Morrison, Toll Brothers
14 Morgan Hill
Builder: Lennar
15 Rex Ranch
Builder: Taylor Morrison
16 Westerly
Builder: McStain Neighborhoods, SLC Homes, Wonderland Homes
17 Wild Rose
Builder: Lennar
18 Barefoot Lakes
Builder: Brookfield Residential, Creekstone Homes, Lennar, Richmond American Homes
57 Northfield
Builder: Landmark Homes
19 Seasons at Silverstone
Builder: Richmond American
20 Northridge Trails Townhomes
Builder: Hartford Homes
21 Promontory
Builder: Journey Homes
59 Cottages at Kelly Farm
Builder: Benchmark Custom Homes
22 Thompson River Ranch
Builder: Oakwood Homes
23 The Ridge at Johnstown
Builder: Bridgewater Homes
24 Pintail Commons at Johnstown Village
Builder: Richfield Homes
25 Mountain View
Builder: Baessler Homes
26 Blue Sage
Builder: Markel Homes
27 Avalon Meadows
Builder: Von’s Colorado Concepts
28 Silo
Builder: Cornerstone Homes
29 Silver Creek
Builder: Markel Homes
58 Trail Ridge West
Builder: PR Homes
30 Highlands at Fox Hill
Builders: Dream Finders Homes, Landmark Homes
32 Terry Street Townhones
Builder: New Leaf Properties
33 North End
Builder: Markel Homes
34 The Enclave at Dakota Glen
Builder: Glen Homes
35 The Enclave at Mariana Butte
Builder: American Legend Homes
36 Eagle Brook Meadows
Builder: Bridgewater Homes, Challenger Homes
37 The Lakes at Centerra
Builder: Bridgewater Homes, Landmark Homes, KB Home
38 Kinston at Centerra
Builder: Richmond American Homes, Dream Finders Homes
39 Brookstone
Builder: Windmill Homes
40 Sunfield
Builder: Windmill Homes
41 Downtown Superior
Builder: Thrive Home Builders, Remington Homes
42 Heights at Downtown Superior
Builder: Toll Brothers
43 Lanterns at Rock Creek
Builder: Boulder Creek Neighborhoods
44 Montmere at Autrey Shores
Builder: Koelbel
45 Rogers Farm
Builder: Boulder Creek Neighborhoods
47 Serratoga Falls
Builder: American Legend Homes, Richmond American Homes
48 Timnath Lakes
Builder: Toll Brothers
49 Trailside
Builder: Wonderland Homes
46 Wilder at Timnath Ranch
Builder: Landmark Homes
50 Wildwing Patio Homes
Builder: Hartford Homes
51 Country Farms Village
Builder: Landmark Homes
52 Greenspire
Builder: Windmill Homes
53 RainDance
Builder: American Legend Homes, Hartford Homes, Wonderland Homes
54 Seasons at Hunters Crossing
Builder: Richmond American Homes
55 Vernazza
Builder: Landmark Homes
56 Village East
Builder: Journey Homes
The following Northern Colorado home sales were supplied by Colorado Weekly Homebuyers List., 303.744.2020. Listed are the buyer, the property and the amount.
• Brian Lee -- 1135 Summit Vista Drive, CB Signature Homes LLC, $453,000.
• Cynthia & Sean Halsey -- 216 E Colorado Ave., Robert N Kyvik, $500,000.
• Douglas & Tanya Scott -- 237 Beetle Lane, Meritage Homes Colo Inc, $526,000.
• Justin & Cherish Broady -- 1303 Vantage Parkway, Jenna & Andrew Chapman, $650,000.
• Sarah & Erich Rathmann -- 1927 Westport Ave., Melody Homes Inc, $674,900.
• Allison & Eric Kohnen -3985 Nations Way, Donald & Carolyn Schulte, $1,026,000.
• Thomas & Suzanne Bolling -- 2685 Bluewater Road, Three Lakes Devl Inc, $1,550,000.
• Mateo & Lisa Pardo -- 500 Manhattan Drive Apt D6, New Direction Ira Inc, $270,000.
• Tanner Valdez -- 4741 White Rock Circle Apt C, Wm Assoc Two LLC, $306,000.
• Alexander & Rebecca Radnaev -- 500 Mohawk Drive Apt 310, Lauren M Hoyt, $340,000.
• Josef Collins -- 1405 Broadway Apt 403, Theresa H Dowling Trust, $386,000.
• Charles Zhang -- 800 W Moorhead Circle Apt B, Lucas & Amy Ellis, $534,500.
• Kailey Fudge -- 2984 Eagle Way, Douglas & Leslie Jackson, $660,000.
• Justin Meiners -- 4506 Aberdeen Place, Jay Kominek, $775,000.
• Thomas Aldrich -- 4612 16th St., Alexander Jo-
seph Arman, $800,000.
• Melissa & Vannaro Keosann -- 104 Sugar Court, Lisa & Matthew Bethancourt, $846,000.
• Ethan & James Rice -- 3964 Fuller Court, Wendy Grunthal, $850,000.
• Elowyn & Bjorn Samadhi -- 8563 Flagstaff Road, Annie M Bruns, $921,000.
• Eric Brohman -- 325 31st St., Nathan & Ann Klein, $924,000.
• Wayne Pak -- 845 Grant Place, Nat Revocable Trust, $975,000.
• Morgan Roche -- 1635 Lost Angel Road, Brian & Elaine Gifford, $1,086,900.
• Jacqueline Malcolmpeck -- 2202 Stony Hill Road, 2202 Stony Hill LLC, $1,100,100.
• Cedric Calousdian -7091 Olde Stage Road, Brandon M Kaufer, $1,369,000.
• Kathryn Materna -- 2995 Darley Ave., Henri & Irene Helden, $1,403,000.
• Zachary Moritz -- 7353 Meadow Court, Sarah Schupp, $1,490,000.
• Cassandra Anderson -- 2056 Walnut St. Unit B, Jennifer E Hume, $1,500,000.
• John Augst -- 6919 Frying Pan Road, Mitchell Brian Campbell, $1,517,200.
• Barbara Macalpine -490 Erie Drive, James R Schiffman, $1,545,000.
• Helen Scatliff -- 6722 Flagstaff Road, Tonya & Benjamin Williamson, $1,640,800.
• Jason Oeltjen -- 1600 Quince Ave., David & Margery Carney, $2,150,000.
• Tristan & Alexandre Rubadeau -- 403 Dewey Ave., Dewey LLC, $2,375,000.
• Erskine & Maria Dunson -- 58 Sun Up Circle, Dominique Montae Davis, $650,000.
• Stephen & Maura Martin -- 972 Pinecliff Drive, Edward & Marie Martinez, $670,000.
• Michael Holland -- 972 Laramie Lane, Thomas & Jeanette Peters, $800,000.
• Austin Hall -- 2075 Meadow Sweet Lane, Thomas E Potosky, $820,000.
• Noel & Cassandra Miramontes -- 673 Split Rock Drive, Richmond Am Homes Colo Inc, $830,000.
• Garrett & Sara Steed -1149 Petras St., Richard & Amanda Mcintire, $836,000.
• Maria & William Streidl -- 395 Dusk Court, Sergey E Shatalov, $850,000.
• John & Elise Grinstead -- 592 Winterfield St., Lennar Colo LLC, $989,000.
• Thomas Howard -- 5151 29th St. Unit 2006, Benjamin Edge, $300,000.
• Randolph & Valerie Bosanko -- 6380 W 10th St. Ste 8, Steven & Cynthia Harbert, $300,000.
• Terri Parris -- 3314 33rd Ave. Court, 3314 33rd Trust, $305,000.
• Austin Brown -- 2401 15th Ave. Court, David & Cassandra Johnson, $331,800.
• Hector Solares -- 1118 24th Ave. Court, Judy W Campbell, $338,000.
• Dillon Colton -- 3703 W 7th St. Road, Jeffery Scott Campbell, $357,500.
• Kinszia Erickson -- 2345 W 8th St., Rutherford Inc, $379,900.
• Timmer Mccroskey -1614 16th St., Lucas & Mikayla Ness, $400,000.
• Briana Mendoza -- 1714 7th Ave., Aliyah Holguin, $400,000.
• Ronda Smith -- 3026 68th Ave., Schneider Living Trust, $420,000.
• Shawnda & Steven Staten -- 2101 14th St. Road, Benjamin Perkins, $428,300.
• Kimberly Pigeon -- 4611 W 3rd St., Terry Phillips, $445,000.
• Nekoda Jacobs -- 129 63rd Ave., Cb Signature Homes LLC, $455,100.
• Fred & Yeni Cepeda
-- 1615 104th Ave. Court, Brandon Yeager, $475,000.
• Ian & Emily Ruge -4122 W 16th St. Drive, Miles & Aime Kiefer, $485,000.
• Lindsay Salazar -- 1876 25th Ave., Joan Marie Carvajal, $495,000.
• Caryn Ishmael -- 1628 36th Ave. Court, Trista K Nelsen, $505,000.
• James Allemang -- 4131 W 15th St., Alberto & Ashley Puga, $510,000.
• Brendon & Amy Mcbee -- 256 63rd Ave., Duffie & Revina Johnson, $518,000.
• Warren & Michelle Schaal -- 1607 37th Ave. Place, Abdul Latif Lone, $805,000.
• Alexander Starr -- 513 Condor Way, Baessler Townhomes Colo LLC, $386,800.
• John & Christine Olivas -- 2397 Harlequin Place, Landsea Homes Colo LLC, $400,000.
• Christian & Reveca Owens -- 242 Scaup Lane, Landsea Homes Colo LLC, $403,500.
• Alexander Zelinger -- 3657 Pinonwood Court, Joshua M White, $450,000.
• Benjamin & Savanah Schutt -- 4069 Zebrawood Lane, Clayton Properties Group Inc, $475,000.
• Nicholas Wells -- 910 Huron St., Century Land Holdings LLC, $525,000.
• Julia Ninefeldt -- 675 Piedmontese St., Hartford Constr LLC, $525,300.
• Jessie Albert -- 4392 Scenic Lane, Aspen View Homes LLC, $630,700.
• Sam & Marya Ayres -- 1111 Sandra Drive, Sydney Sue Fowler Trust, $650,000.
• Joey & Elizabeth Livingston -- 2599 Grizzly Place, Aspen View Homes LLC, $667,500.
• Andrew Fulton -- 4387 Big Horn Parkway, Aspen View Homes LLC, $689,800.
• Barbara Ullmann -- 4451
Big Horn Parkway, Aspen View Homes LLC, $698,100.
• Allyson & Nicholas Troutini -- 4435 Big Horn Parkway, Aspen View Homes LLC, $707,700.
• Rita Burke -- 1314 Lincoln St., Patricia Pascoe Walker, $200,000.
• Mary Jensen -- 18 Empson Drive, Summit Invest Services LLC, $389,000.
• Anna & Barbara Barbara -- 1334 Dogwood Lane, James Hendrie, $441,000.
• Matthew Redabaugh -- 1035 Yeager Drive, Bradford L Larsen, $467,000.
• Kathryn & Larry Morgan -- 2788 S Flat Circle, Mount Brook Devl Colo LLC, $475,000.
• Michael Teegardin -1531 Peterson Place, Erin Hoelzel, $482,000.
• Eugene & Dana Dsouza -- 837 Emery St., Village Housing LLC, $489,000.
• Evelyn Flores -- 1211 Meadow St., Hm Constr Ltd, $493,200.
• Joseph & Julia Key -- 2424 Tulip St., 2424 Tulip LLC, $502,000.
• Alexandra Emory -- 413 Crystal Place, Sergio Atallah, $513,300.
• Sage Thomas -- 1035 Venice St., Oliver & Emily Jacobson, $530,000.
• Michael Price -- 544 Elliott St., Harvey & Christine Schwartz, $539,900.
• Christian Wigert -- 1029 Ponderosa Circle, Mark & Amy Dilullo, $570,000.
• Jose Vidana -- 1310 Trail Ridge Road, Opendoor Property Trust I, $577,000.
• Deborah Hummel -1337 S Grant St., Brandon Moquist, $615,000.
• Eric Morris -- 1300 Walden Court, Opendoor Property Trust I, $615,000.
• Jordan & Audrey Renner -- 2930 Buffalo Fork Lane, Dfh Mandarin LLC, $619,800.
• Lara Lorenzetti -- 1727 Lashley St., Brian & Ri
Valentequinn, $620,000.
• Kristin Stark -- 407 Deerwood Drive, B Charlene Evans, $650,000.
• Diana & Calvin Jouard -- 124 Baylor Drive, Melissa & Bruce Rishel, $680,000.
• David & Sari Puth -- 610 Clarendon Drive, Frederick & Holly Charles, $690,000.
• Steven Pateman -- 718 Pendleton Ave., Spencer Jack Schell, $705,000.
• Jane & Craig Ebert -- 2271 Winding Drive, Michael D Renecle, $765,000.
• Alejandro Sotocastillo -- 2467 Ravenswood Court, Danielle Fontaine Billings, $775,000.
• Dennis & Lorraine Powelson -- 2360 Spotswood St., Jason & Paula Maguire, $775,000.
• Kenneth Calahan -- 2042 Ridgeview Drive, Daniel & Darlene More, $1,108,100.
• Robin Maniglia -- 4710 Summerlin Place, Wendy L Sekler, $1,155,000.
• David Klauber -- 3101 Marlin Drive, Marie Klish Weeks, $1,200,000.
• Michael Frey -- 1809 S Coffman St., Matthew & Terri Musser, $1,245,000.
• Craig & Mandianne Berg -- 8483 Pawnee Lane, Bradley & Christoph Traver, $1,285,000.
• Linda & John Higgins -- 1537 Stardance Circle, James & Kaylyn Maurer, $1,600,000.
• David Rhodes -- 941 Neon Forest Circle, Thomas & Ani Ritenour, $1,600,000.
• Wynn & Ryan Martens -- 6625 Bluebird Ave., 710 Concord LLC, $2,075,000.
• Christy Jorgenson -- 1405 Zoe Court, Brooke L Adamson, $344,000.
• Harold & Lindsay Wahlborg -224 Saint Louis Ave., Charles & Gina Simmons, $369,000.
• Dylan Ewald -- 833 Washington Ave., Noah & Roxanne Huber, $400,000.
• William Krueger -- 1325 Gard Place, Debbie Brooks, $415,000.
• Xuan Nguyen -- 1428 Avondale Place, Ryan & Zelene Didier, $420,000.
• Alvin Hanks -- 582 Cottonwood Place, Michael W Bailey, $425,000.
• Aspen & Dalton Newbanks -6132 Two Leaf Drive, Richmond Am Homes Colo Inc, $430,000.
• Mark & Debra Beimal -- 3443 Grayling Drive, Datlac LLC, $437,900.
• Leslie Brown -- 2940 Tabernash Drive, Connor Naudet, $439,900.
• Sabrina & Cal Archer -- 3256 Honey Locust Drive, Darrel Cromer, $440,000.
• Susan Free -- 6126 Two Leaf Drive, Richmond Am Homes Colo Inc, $440,000.
• Chase Walker -- 6108 Two Leaf Drive, Richmond Am Homes Colo Inc, $442,000.
• Ronald Mckenzie -- 1850 W 50th St., Schuler Family Living Trust, $464,000.
• Joshua Terry -- 2652 Hayden Court, Jelani & Tiffany Trawick, $480,000.
• Ryan & Ursula Blyth -- 1829 Eagle Drive, Bradley W Williamson, $485,000.
• Lisa Larsen -- 4131 Greenhorn Drive, Chanc & Kimberly Woods, $500,000.
• Diane Arndt -- 3423 Sheridan Ave., Real Solutions LLC, $520,000.
• Kurt & Janet Bryant -- 2916 Cub Lake Drive, Jacqueline M Crader, $521,500.
• Diana & Veronica Frank -- 3405 Janus Drive, Timothy & Tawnia Eckley, $559,900.
• William & Kathy Harper -- 1596 Persian Ave., Janaya & Philip Daily, $570,000.
• Dustin Clark -- 2009 Blue Mesa Court, John & Betty Becker, $570,000.
• Mark & Anna Luoma -- 3728 Foothills Drive, Steven & Amanda Pfalzgraf, $589,000.
• Katherine Huerta -- 1245 W 8th St., Kelly & Brett Wisniewski, $600,000.
• Jason Hardabura -- 725 E 4th St., Paul & Monica Sylvestre, $600,000.
• Sheryl Miller -- 5258 Rangeland Ave., Stephen Blake Greene, $625,000.
• Xiuying & Yuanfang Huang -- 4285 Lyric Falls Drive, Lori & Bryce Wenger, $635,000.
• Laura Teel -- 4485 Georgetown Drive, Hpa Borrower 2019 2 LLC, $635,000.
• Noemi Han -- 4847 Rodin Drive, Aspen Homes Colo Inc, $710,400.
• Christofer Dennis -- 4262 Martinson Drive, Weston & Aubrie Larsen, $760,000.
• Daniel & Leslie Haynes -- 3550 Valley Oak Drive, Darrell & Deborah Pozarnsky, $915,000.
• Robert & Adrianna Protzman -- 4044 S County Road 29, Monty S Sibley Family Trust, $1,087,500.
• Brian & Celia Bisgaard -- 7371 Meadowdale Drive, Dennis E Pelster, $900,000.
• Dane & Kristi Delozier -- 8861 Marathon Road, Ethan & Caroline Chutkow, $1,350,000.
• Dana Brolaski -- 7165 Redwing Place, Carolyn D Lee, $1,730,000.
• John & Marie Getter -- 8343 Pawnee Lane, Brett Landin, $1,833,000.
• Mihai Murarescu -- 8716 Skyland Drive, Robin J Maniglia, $2,100,000.
• Daniel Rios -- 718 Goodrich Court, Rick M Hauglid, $465,000.
• Braydan & Natalie Orth -- 634 Sawyers Pond Drive, Melody Homes Inc, $514,900.
• Lucas & Mikayla Ness -- 821 Elias Tarn Drive, Melody Homes Inc, $541,700.
• David Nicholl -- 833 Emerald Lakes St., Aspen View Homes LLC, $543,500.
• Christopher & Kathryn Crow -- 223 Haymaker Lane, Melody Homes Inc, $556,000.
• Scott & Cynthia Fisher -- 1057 Mt Columbia Drive, Mark & Patty Childs, $565,000.
• Timothy Foglesong -- 1173 Bowen Pass St., Cassandra & Noel Miramontes, $600,000.
• Alexis Tornquist -- 1515 Cirque Valley Lane, Chase & Mykel Harvey, $627,000.
• Brian Fisher -- 5516 Second Ave., Lennar Colo LLC, $384,900.
• Baxter Brown -- 5431 Euclid Drive, Lennar Colo LLC, $387,000.
• Bryce & Aida Templeton -- 5544 Second Ave., Lennar Colo LLC, $389,900.
• Nikitha Amaram -- 5435 Euclid Drive, Lennar Colo LLC, $450,000.
• Deanna & Tony Blake -- 5006 Mckinnon Court, Hartford Constr LLC, $461,900.
• Kevin Smith -- 5012 Mckinnon
Court, Hartford Constr LLC, $465,300.
• Michael Lee -- 5415 Euclid Drive, Lennar Colo LLC, $474,000.
• Kelly Woessner -- 6102 Saddlehorn Drive, Hartford Constr LLC, $576,300.
• Ian & Shelley Sutton -- 4277 Fellows Drive, Lennar Colo LLC, $626,900.
• Donavin & Danielle Drummond -- 1238 Kitchell Lake Parkway, Th Kitchel Lake LLC, $867,100.
• Abbie Blaylock -- 775 2nd St., David J Denniston, $395,000.
• Jose Gonzalez -- 2330 Golden Way, Journey Homes LLC, $452,400.
• Randy & Cynthia Rouse -- 1410 Windjammer Drive, Ilse L Stilson, $455,000.
• David & Myra Camarena -- 209 Valley Court, Mark & Anna Luoma, $455,000.
• Philip & Alexis Anderson -- 1012 Cherrybrook Drive, Mark & Angela Beadle, $485,000.
• Susan & Joel Hardy -- 436 Aurelia Drive, J J Constr Northern Colo LLC, $489,700.
• Thomas Gonzalez -- 309 4th St., Eric & Renee Tonnies, $490,000.
• Heriberto Menamoreno -- 1602 New Season Drive, Dale F Conlon Living Trust, $490,000.
• Ricardo & Geraldine Flores -- 2290 Graceful St., Journey Homes LLC, $491,500.
• Rodger & Susan Good -- 2339 Graceful St., Journey Homes LLC, $493,000.
• Shavaun & Kade Christensen -- 829 Hummocky Way, Century Land Holdings LLC, $500,000.
• Matthew Gilmore -- 2084 Blue Moon Court, Jodie & Adrian Severson, $505,000.
• Adrian Armenta -- 436 Aurelia Drive, J J Constr Northern Colo LLC, $525,000.
• Ryan & Marcelia Brannock -- 540 Rainbow Place, Ryan & Julia Spriggs, $720,000.
• Tyler & Lauren Grandbouche -- 1721 Lucent Court, Th Raindance Windsor LLC, $851,500.
• Bradford & Heather Machado -- 2138 Meander Road, Chris Ghigliotty, $962,500.
• Alexander Bally -- 8265 Spinnaker Bay Drive, Jeffrey & Mandy Logue, $998,000.
• Brittney Mcnaney -- 10625 County Road 72, Eric & Alexis Tornquist, $1,090,000.
To view a complete list of real estate transactions for our region, visit dailycamera.com/athomecolorado, timescall.com/athomecolorado, reporterherald.com/athomecolorado or greeleytribune.com/athomecolorado.
