At Home Colorado

REAL ESTATE

COLORADO

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COLORADO

CONTRIBUTING WRITERS

Gabe Bodner

Duane Duggan

Cathy Hobbs

Tom Kalinski

Bill Myers

ADVERTISING

Thais Hafer

Toni McNeill

CONSULTANTS

REAL ESTATE

ADVERTISING DIRECTOR

Mary Romano

MANAGING EDITOR

Greg Stone

gstone@prairiemountainmedia.com

Summer homebuying months may be coming to a close, but people buy homes in the fall and curb appeal plays an important role.

Home landscaping often begins to fade as the state’s unseasonably wet and cooler summer trend that’s marked this year gives way to hotter, dryer weather. With simple updating, your home’s curb appeal can ourish throughout the fall. Here are some quick and easy tips for bringing your landscape into fall glory, rst published by GinghamGardens.com, GoWestGardener.com and the Colorado State University (CSU) Extension Service.

Add lots of fall-blooming owers

To advertise, call 303.588.8433.

If your summer perennials have spent their blooms and the annuals are fading, adding some new blooming plants is the fastest x. Mums play double duty, bringing blooming plants to your yard and containers like an annual. If planted in the ground, mums will survive the winter and reappear the next year just as a perennial does. Marigolds also do well in the fall and come in colors that coordinate with changing leaf colors, such as yellow and orange. Ornamental grasses look great in the fall season, too.

Certain summer annuals will perk up again when the weather turns cooler, bringing loads of color back to freshen your home’s curb appeal. Keep watering and deadheading your snapdragons, sweet alyssum and black-eyed Susans to brighten your fall bounty.

If you’re planting perennials this fall with an eye toward next year’s curb appeal, remember to include varieties that look great in fall, like moonshine yarrow, asters, blue mist spirea, sedum and ornamental grasses. Grasses and yarrow bring the added value of providing a fantastic winterscape to your yard, even after cold weather sets in and

the blooms and colors fade. ey take on a lovely, textural wheat color to provide contrast and interest to winter views.

Refresh your mulch

Adding a fresh layer of mulch is one of the best methods to brighten your landscaping. Adding fresh mulch is a low-cost, fast and easy way to sharpen the de nition of your plant beds and tree bases, and it helps to keep the soil moist longer and deters weed growth.

Trim spent perennials, annuals and other plants

Many Colorado pollinators overwinter in perennials — such as the nested eggs of native bee species that complete their growth when the water starts to warm again, advises the CSU Pueblo Extension Service. Bees rely on leaf piles and hollowed-out stems for winter refuge. Butter y and moth larvae and ladybugs also overwinter in leaf piles, so you want to leave some perennials for the pollinators. One approach is to treat your front yard and back yard di erently, making your front yard look neater by cutting back spent perennials while letting them stand in the back to give pollinators a place to go. Continue your tidying by cutting down browned foliage to near

ground level and covering the stubs with mulch.

Clean your home’s exterior

Begin by cleaning the leaves and debris from the beds around your house. en, use a power washer to clean the siding, porch, bricks, sidewalks and driveways to make everything look fresh and dazzling.

Shift your decorations to fall

As fall moves into full swing, change the wreath on your front door to one with fall owers and add pumpkins to your front porch.

Adding these fall avors to your home’s landscaping will give it that welcoming fall feeling and bring shine to its curb appeal, which helps attract buyers to your home.

Read the full story at ginghamgardens.com/ fall-landscaping-tips and gowestgardener.com/blog/bestowers-late-summer and csuhort.blogspot.com/2020/11/ winter-time-considerations-for.html.

Tom Kalinski is the broker/owner of RE/MAX of Boulder. He has a 40-year background in commercial and residential real estate. For questions, email Tom at  tomkalinski33@gmail.com, call  303.441.5620 or visit boulderco.com.

5 quick Fall landscaping tips to improve your home’s curb appeal

TOM KALINSKI

The foundation walls of modern homes are designed by an engineer based on the soils report on the site the home is being built upon.

Navigating high interest rates for selling and buying a home

The United States housing market has experienced fluctuations due to various factors such as the Great Recession and economic growth. One main factor affecting the real estate sector is interest rates, which central banks like the Federal Reserve determine. In the past year, there have been concerns about the impact of higher interest rates on potential homebuyers, sellers and real estate investors.

Understanding the dynamics of interest rates

Interest rates are the cost of borrowing. Central banks lower rates to stimulate growth, but raise them during high inflation or a strong economy. The Federal

Reserve has recently considered interest rate hikes due to inflationary pressures and other economic factors. These decisions can significantly impact the real estate sector, especially for those making important decisions about buying or selling homes.

Impacts on buyers and sellers

Higher interest rates can deter first-time homebuyers and reduce demand, potentially leading to a more balanced buyer’s market. However, this can also result in lower property values and longer seller sales times.

Real estate investments and market conditions

In the commercial and residential sectors, real estate investors are affected by higher borrowing costs from rising interest rates. Rental units’ cash flow could be affected, making some investment strategies less appealing –however, the increased demand for rental properties when home purchases decline might seem

like a silver lining. Depending on various factors, real estate developers’ new constructions might see reduced occupancy or lower rental rates, primarily commercial properties. On the flip side, for those with cash on hand, higher interest rates can present good opportunities for buying properties at lower prices, expecting price appreciation in the longer term.

Navigating the high-interest-rate environment

So, what should potential buyers and sellers do?

Lock in your rate: If you’re considering a mortgage loan, consider a 30-year fixed-rate mortgage over an adjustable-rate mortgage. The former ensures your rate remains constant, irrespective of further hikes.

Work with professionals: Engage with a real estate agent who understands the local market. They can offer insights into market conditions, guide pricing strategies, and offer

advice tailored to the current rate environment.

Real estate investors’ decisions: Investors need to recalibrate their expectations. While the past years, characterized by low-interest rates, saw significant asset appreciation, the next few might be more about cash flow management and being strategic about property acquisitions.

Opportunities amidst challenges: Interestingly, rising interest rates can be a good thing for some sectors. Affordable housing might see increased demand, given potential homebuyers could get priced out of buying new homes. Similarly, business owners in the property market might find avenues to diversify their offerings, catering to different segments.

Stay Informed: Interest rates, whether rising or at their highest level, are just one of many factors influencing the real estate landscape. To make more informed decisions, stay

CONTINUED – See Page 10

BILL MYERS

16178 Peak to Peak Drive • $790,000

How to protect the structural integrity of your home’s foundation

A home is often the biggest single expense an individual or family will make during their lifetime so to maintain it well and keep it in good condition is critical. There are thousands of components that go into the structure of a house. Some of the components will be subject to the elements of nature, such as temperature changes, precipitation, winds, and soil movement. This interplay of natural forces causes expansion and contraction or “give” in the home from the foundation up. One of the most indispensable and crucial structural components of a home is its foundation, and it is critical that homeowners maintain it properly, especially in Colorado.

Along Colorado’s Front Range, there are expansive soils that swell when they get wet and shrink as they dry out, often causing movement beneath a house. In fact, a very large portion of Colorado is subject to expansive soils as shown in this map of Colorado. It is required by law for new home builders to inform buyers of expansive soils and provide a soils report.

In addition to expansive soils, a foundation’s walls are subject to

extreme temperature differentials. Outside portions of the foundation wall below ground usually have a constant temperature of about 50 degrees while the inside part of the wall will vary in temperature depending on the temperature to which the residence basement is heated. Portions of the foundation wall above ground are subjected to temperature variations of 20 degrees below zero to over 100 degrees. All of this can cause cracking in foundations and concrete flatwork. There will always be some amount of cracking, and builders have tolerance levels in their warranties that determine when the amount of cracking will affect integrity and safety.

The foundation walls of modern homes are designed by an engineer based on the soils report on the site the home is being built upon. The swell rate of the soils at a specific site will dictate the type of foundation and basement floor that will be used to give the home the best possible stability. In areas where there is no soil swelling, a home is often built on a foundation with spread footers. Due to the presence of expansive soils in Colorado, it is rare in a new home today that the engineer will suggest using a spread footer system. Modern design could include caissons drilled to bedrock, floating basement slabs, engineered basement slabs, wood basement floors, French Drains with a sump pump, and other options.

No matter what foundation system is selected, it is imperative to have proper drainage around the house to keep the underlying soils dry and free of large swings in moisture content. Large amounts of water collecting near the foundation can cause problems no matter how solid the foundation system is. In the Boulder area during the 2013 flood, homeowners learned very quickly whether or not their homes had proper drainage. Since we received so much rain in that storm, even homes with good drainage had water in the basement due to seepage from the ground up. The most important part of the drainage system is maintaining a positive grade around the foundation walls for the first 10 feet from the

foundation. Next, is making sure that the gutters and downspouts are clean, free of leaks, and are properly directing water away from the foundation. Any French Drain/ sump pump system should be checked at least once a year to make sure everything is functioning.

Sprinkler systems installed next to foundation walls can cause huge problems when they leak. I know of a house in which the sprinkler line broke and water ran for more than a week under the home while the owners were on vacation. That much water in an expansive soil area can lift your whole house! The bottom line is that you should not have sprinkler systems or landscaping requiring water next to the foundation of your home.

The garden hose sillcock can be a big problem too. In areas where it freezes in winter, sillcocks with the valve inside the wall are used to prevent the connection from freezing. A common problem occurs when the homeowner leaves the hose on during the winter. The outwards pressure of the ice inside the hose and valve can cause the sillcock to break inside the wall. When it thaws out, water can start flowing down next to the foundation. Depending on the break location, it might be leaking inside the wall without the homeowner knowing it until the flood has happened!

In Colorado, it is pretty rare to have a 100% crack free foundation and concrete work, but a proper design for the specific lot, maintaining the grade and the drainage system, will ensure the least amount of problems due to expansive soils in our area.

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, the vast majority from repeat and referred clients. 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.

DUANE DUGGAN

The foundation walls of modern homes are designed by an engineer based on the soils report on the site the home is being built upon.

Distribution of swelling soils and bedrock (shaded areas) in Colorado.

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The 3 buckets in retirement

Have you ever asked your financial advisor why you must save money (create a Nest Egg) while you are in your working years? I believe the answer is quite simple. When you retire (or spend less time working) and spend more time enjoying yourself, you typically earn less income. Therefore, it is important to save money at a younger age, so that your savings can grow and ultimately produce supplemental income for you later in life. This is truly just a math equation that we are all trying to figure out. So, we must ask ourselves a simple question like, “how much income will I need each month to live in retirement?”

GABE BODNER

401K, IRA, money market fund, CD, etc.). If you purchase a home, you also put money into Bucket #3 by putting money as a down payment on the home and by making monthly mortgage payments (the principal portion of your payment is what pays your mortgage down and creates more home equity). In general, we expect the money that we have saved in Bucket #2 to grow, and we expect our home value to go up/ appreciate as well. Therefore, when we go to retire, Bucket #2 (your nest egg) is hopefully worth more and Bucket #3 (home equity) has also increased.

The challenge is that we really do not know how long we will live and therefore we do not know how much money we can spend and how much we must keep in Bucket #2.

The answer to this question ultimately depends on many factors including items like, how much will you earn in Social Security income or other income sources? What are your monthly expenses? How much do you want to travel and spend on leisure and recreational activities? What will medical, dental, and vision costs be that are not covered by Medicare or supplemental insurance? How much do you want to give or donate to family or charities?

So, how do we plan for this unknown math equation as I call it? Well, that is where the 3 Buckets come into play. I believe that there are 3 buckets of money in retirement (if you own a home). Bucket #1 is your Income Bucket, Bucket #2 is your Nest Egg Bucket, and Bucket #3 is your Home Equity Bucket. When we are in our working years, we are producing an income and spending money out of Bucket #1. Remember, we are told that we must save for retirement, so we try to put money into Bucket #2 (fund a

Now, let’s look at what happens when we retire. Remember, Bucket #1 (our income) is typically decreased. Therefore, to maintain our lifestyle, cover expenses, travel, etc., we use money from Bucket #2 (our nest egg). In fact, there are tax rules that the IRS sets which require us to withdraw money from our retirement accounts at a certain age (this is called Required Minimum Distributions or RMDs). I believe the IRS sets these rules to force us to pay the taxes on these funds which have not yet been paid on those accounts. As we age, we continue to spend money out of Bucket #2 and pay taxes on these funds (except a ROTH IRA and life insurance).

So now let me introduce Bucket #3, your home equity bucket. Keep in mind that if you purchased a home, you put money into this bucket, your initial down payment, and every month you make a mortgage payment, you are adding more money to this bucket. Additionally, it is important to know that the average home appreciation rate in Northern Colorado was 9.5% over the last 10 years. That means that Bucket #3 has substantially increased in value and this bucket is now many retirees’ largest asset. Which means that Bucket #3 is larger than Bucket #2 in many cases. So here is the challenge…Bucket #3 is typically not accessible (I call this a non-liquid asset) unless you sell your home or get a mortgage. However, if you like where you live and you do not want to sell your home, the only way to access the funds in Bucket #3 is to get a mortgage or a home equity loan. Here comes the next challenge, do you take money out of Bucket #3 and pay it back using taxable funds from Bucket #2? That seems a bit silly and counter-productive, doesn’t

it? Well, that is exactly what many people do when they get a Home Equity Line of Credit (HELOC) or a 30-year fixed rate mortgage. Therefore, the only option that allows you to access money from Bucket #3 (your home equity) without having to make a monthly payment, is a Home Equity Conversion Mortgage (HECM). You must still pay your property taxes, homeowner’s insurance, HOA dues, and maintain the home. By utilizing a HECM, you can spend less money from Bucket #2, which will allow you to protect your nest egg, allow your nest egg to grow over time and ultimately provide a larger nest egg for you to utilize over a longer period of time. This strategy is also a very tax friendly strategy because the funds that you get from Bucket #3 are not considered income and therefore you do not have to pay any income taxes on those funds.

Gabe Bodner is a retirement mortgage planner and licensed mortgage originator in Colorado. Gabe utilizes the latest research from the top researchers to assist his clients to live for today and plan for tomorrow. To reach Gabe, call 720.600.4870, e-mail gabe@bodnerteam.com or visit reversemortgagesco.com.

Navigating high interest rates (continued)

knowledgeable about broader economic developments, such as the 10-year treasury yields, inflation rates, and federal policies.

Understanding home equity

Home equity represents the difference between the current market value of your property and the outstanding mortgage loan amount. As home prices have appreciated recently, many homeowners are sitting on significant equity. In a highinterest-rate environment, this equity can become an invaluable financial tool.

Benefits of tapping into home equity

Debt consolidation: High-interest rates often mean high rates on credit cards and personal loans. By tapping into home equity through a home equity loan or line of credit (HELOC), homeowners can consolidate

high-interest debts into one manageable payment, typically at a lower interest rate than credit cards.

Home improvements: Investing in your property by renovating or making improvements can boost its value. Since interest rates for HELOCs or home equity loans can be lower than traditional consumer loans, they can be a cost-effective way to fund these projects, significantly if they further enhance property values.

Diversify investments: For seasoned investors, home equity can serve as a tool to diversify investments. Extracted equity can be channeled into other asset classes, such as stocks, bonds, or even other real estate investments, potentially offering returns that might outpace the cost of borrowing.

Factors to consider in high-interest rates

Cost of borrowing:

Understanding that high-interest rates mean higher borrowing costs, even when leveraging home equity, is essential. While rates for home equity products may be lower than other types of credit, they can still be considerably higher than what homeowners might have seen in years of historic lows.

Variable rates and HELOCs: Many HELOCs come with variable interest rates. Your rate (and subsequent monthly payment) could increase over time in a rising interest rate environment.

Long-term financial implications: Extracting equity reduces the ownership stake in your property. It’s crucial to ensure that any financial gains from leveraging this equity (whether through investments or debt consolidation) outweigh the potential long-term implications, like extending the life of your mortgage or owing more than your home is worth if housing

prices decline.

Closing costs and fees: Accessing home equity isn’t always free. There can be application fees, appraisal costs, and other associated charges. These costs can add up in a higher interest rate scenario, so factor them into your decisionmaking process.

Rising interest rates can be challenging for the unprepared. However, with strategic planning and professional guidance, buyers and sellers can navigate this environment and make decisions that benefit them in the short and long term.

Bill Myers is a Colorado Native currently living in Berthoud, CO who has been a successful Real Estate Agent for 45+ years as a Seller -Buyer Agent and Consultant. You can contact Bill at 970-5990011 or learn more through his website at billmyersrealtor.com/ blog

RE/MAX of Boulder 303-441-5642

patrickdolanteam@gmail com

http://athomecolorado com/patrickdolan

PATRICK DOLAN

Apartments are located in a historic residential neighborhood in Longmont, Colorado. Just two blocks from beautiful main street Longmont, Elliott Apartments has easy access

5424 INDIAN SUMMER CT • BOULDER

Entering this classic two-story home the first thing you’ll notice is that it’s flooded with natura light that is streaming in from tons of windows With a perfect blend of open yet separated space the main level s inviting & cozy Looking to enter tain, the lovely back deck is tied into the living room, breakfast, nook, & kitchen. A dining space adjacent to the kitchen offers ease & simplicity Hoping to escape from the bustle of the kitchen, the sitting room is just enough removed that you can quietly enjoy watching the game your favorite show or a movie Also on the main level is the primary suite highlighted by an en suite, 5-piece bathroom, & easy access to the laundry room Upstairs, you’ll find two private, secondary bedrooms & a bathroom. This creates a quiet work-from-home environment or space for your guests or more family members The sprawling unfinished basement is ready for your sweat equity, & offers unlimited potential. Currently used as a home gym, this space could easily become a four th bedroom/bathroom, rec room, additional storage, or all of the above The attached two car garage gives plenty of space for vehicles, outdoor toys, & more Entering straight into the mudroom makes convenience the name of the game This Gunbarrel Nor th home is ideally located adjacent to the LOBO trail, which connects Longmont & Boulder, is only 2 miles to Coot Lake & the Boulder reservoir, & sits within walking distance to Proto’s Humankind Coffee King Soopers & other essentials Come discover the convenience tranquility & incredible access that Gunbarrel has to offer, & make this your Colorado base camp for adventure

OPEN HOUSE QUICK GUIDE

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DESIGN RECIPES

Windowless rooms

By Cathy Hobbs Tribune News Service (TNS)

From lack of natural light to functionality feasibility, windowless rooms often pose a challenge. Let there be light. With the absence of natural sources, here’s your guide to infusing spaciousness into windowless rooms.

Lighting options:

• Portable lights: table and floor

Wendy Conder

lamps.

• Fixed lights: recess lighting, pendants, chandeliers and wall sconces.

• Construction-created lights: clerestories, dormers or skylights.

Decor tricks

Elements such as mirrors can help make a room feel more spacious and open. See also: light-colored paints and neutral fabrics.

The home office

One popular functional option for a windowless space is to transform it into a home office. When designing a windowless office space, here are some Design Recipes tips:

• Add lots of mirrors to help make the space feel bigger.

• Incorporate interesting design elements such as whimsical wallpaper or a bright paint color.

• Be purposeful with furniture, as windowless rooms tend to

be smaller spaces.

• Add plenty of portable light such as table and floor lamps.

• Incorporate floor coverings to help make windowless spaces feel cozy.

Cathy Hobbs is an Emmy Awardwinning television host and a nationally known interior design home staging expert and shortterm rental/vacation home designer. Contact her at info@ cathyhobbs.com or visit her website at cathyhobbs.com.

C O LO R A D O

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

ur region is home to more than 700,000 residents and includes some of the most diverse, natural landscapes and sustainable development along the Northern Front Range of Colorado. It’s no wonder why those who live here stay and why our the area is coveted as a place to relocate to Here we highlight a selection of the area ’ s new home communities and which builders are building where.

BERTHOUD

Farmstead Builder: Sage Homes

Rose Farm Acres

Builder: Richmond American

Heron Lakes –

TPC Colorado Builder: Landmark Homes, Lifestyle

Custom Homes, Toll Brothers

BOULDER

Velo Condos

Builder: Thistle Velo LLC

BROOMFIELD

Baseline Colorado

Builders: Boulder Creek

Neighborhoods, Meritage Homes, Thrive Home Builders

Vive on Via Varra

Builder: Meritage Homes

ERIE

Coal Creek Commons

Builder: Century Communities

Colliers Hill

Builders: Boulder Creek

Neighborhoods, KB Home, Richmond American

Compass Builder: Lennar

Erie Highlands Builder: Oakwood Homes

Erie Village Builder: Porchfront Homes

Flatiron Meadows Builder: KB Home, Taylor Morrison, Toll Brothers

Morgan Hill Builder: Lennar

Rex Ranch Builder: Taylor Morrison

Westerly Builder: McStain Neighborhoods, SLC Homes, Wonderland Homes

Wild Rose Builder: Lennar

FIRESTONE

Barefoot Lakes Builder: Brookfield Residential, Creekstone Homes, Lennar, Richmond American Homes

FREDERICK

Seasons at Silverstone

Builder: Richmond American Homes

GREELEY

Northridge Trails Townhomes

Builder: Hartford Homes

Promontory Builder: Journey Homes

JOHNSTOWN

Park House Thompson River Ranch Builder: Oakwood Homes

The Ridge at Johnstown Builder: Bridgewater Homes

Pintail Commons at Johnstown

Village Builder: Richfield Homes

Mountain View Builder: Baessler Homes

LAFAYETTE

Blue Sage

Builder: Markel Homes

Avalon Meadows

Builder: Von’s Colorado Concepts

Silo Builder: Cornerstone Homes

Silver Creek Builder: Markel Homes

LONGMONT

Highlands at Fox Hill

Builders: Dream Finders Homes, Landmark Homes

Terry Street Townhones

Builder: New Leaf Properties

LOUISVILLE

North End Builder: Markel Homes

LOVELAND

The Enclave at Dakota Glen Builder: Glen Homes

The Enclave at Mariana Butte

Builder: American Legend Homes

Eagle Brook Meadows Builder: Bridgewater Homes, Challenger Homes

The Lakes at Centerra Builder: Bridgewater Homes, Landmark Homes, KB Home

Kinston at Centerra

Builder: Richmond American Homes, Dream Finders Homes

MILLIKEN

Brookstone Builder: Windmill Homes

Sunfield Builder: Windmill Homes

SUPERIOR

Downtown Superior Builder: Thrive Home Builders, Remington Homes

Heights at Downtown Superior Builder: Toll Brothers

Lanterns at Rock Creek Builder: Boulder Creek

Neighborhoods

Montmere at Autrey Shores Builder: Koelbel

Rogers Farm Builder: Boulder Creek

Neighborhoods

TIMNATH

Harmony Builder: Landmark Homes

Serratoga Falls

Builder: American Legend Homes, Richmond American Homes

Timnath Lakes Builder: Toll Brothers

Trailside Builder: Wonderland Homes

Wildwing Patio Homes Builder: Hartford Homes

WINDSOR

Country Farms Village Builder: Landmark Homes

Greenspire Builder: Windmill Homes

RainDance Builder: American Legend Homes, Hartford Homes, Wonderland Homes

Seasons at Hunters Crossing Builder: Richmond American Homes

Vernazza Builder: Landmark Homes

Village East Builder: Journey Homes

REAL ESTATE TRANSACTIONS

The following Northern Colorado home sales were supplied by Colorado Weekly Homebuyers List Inc., 303-744-2020. Listed are the buyer, the property address, theseller and the amount.

AULT

• Lisa Bielefeld -- 260 Pawnee Road Unit D3, Katie Law, $367,000.

BERTHOUD

• Brett & Kari Masayesva -- 316 Bronco Court, Christopher & Brooke Lyon, $700,000.

• Bree & Steven Costa -- 1652 Rivergate Way, Melody Homes Inc, $700,000.

• Mitchell & Donald Mcmeans -- 118 Tavner Court, M B Ortho, $745,000.

• Cynthia Fischer -- 604 Lucia Court, Stanley Jr Feather, $775,000.

• Robert Schader -- 1868 Preserve Drive, James & Alice Warino, $1,625,000.

BOULDER

• Todd & Tia Lynne -- 961 16th St. Apt 1, 16th Street Properties Llc, $325,000.

• Jackson & Lori Hunter -- 805 29th St. Apt 161, Greg Fouts, $410,000.

• Alex & Shawn Mcmanus -- 2800 Kalmia Ave. Apt A322, Rachel Fuchs, $447,500.

• Gregory Jaehnig -- 2920 Bluff St. Apt 214, Hopper Llc, $449,000.

• Janae Thomas -- 4789 White Rock Circle Apt D, Sarah K Seifert, $459,900.

• Maria Kaltsouni -- 2850 E College Ave. Unit 303, Hong & Ken Farling, $510,000.

• Gina Gravina -- 3601 Arapahoe Ave. Unit 224, Isabel Elena Lecuna, $575,000.

• Sara Beardsworth -- 1160 Monroe Drive Apt A, James A Bailey, $590,000.

• Jeremy & Anne Jackson -- 1634 17th St. Apt 11, Mount Stay Colo Llc, $625,000.

• Kellie Zell -- 365 31st St., Alison & Aliso Marvin, $746,000.

• Jia Chan -- 960 35th St., 960 35th St Llc, $760,000.

• Zoe Feder -- 740 33rd St., 740 Property Llc, $780,000.

• Courtney & Connor Martin -- 2404 Keystone Court, Sylvia Keepers, $810,000.

• David Nielsen -- 1821 Walnut St., Michael V Anderson, $925,000.

• Sachidanand & Bhuvana Desai -- 3601 Arapahoe Ave. Unit 110, Christopher F Erpelding, $967,000.

• James Giolitto -- 13 Benthaven Place, Natalia Aiza, $970,000.

• Tucker Brock -- 5562 High Country Court, Kathleen E Spano, $972,500.

• Maxine Christopher -- 3301 Arapahoe Ave. Unit 226, Michael & Melissa Rosenbloum, $982,000.

• Skyler Williams -- 309 29th St., Mark D Taylor, $1,003,000.

• Dan & Susan Hendrick -- 7342 Windsor Drive, Richard A Berman, $1,150,000.

• Benjamin Glatz -- 860 Poorman Road, August Family Trust, $1,300,000.

• Bruce & Valeria Lehman -- 3675 Silverton St., Caleb & Kelsey Avery, $1,680,000.

• Noah Isaacson -- 3946 Savannah Place, Savannah Corner Llc, $1,763,500.

• Eric Perryman -- 3035 Galena Way, Peter & Patricia Sanders, $2,000,000.

• Kyle & Lauren Czirr -- 230 Bristlecone Way, Matthew & Megan Bolitho, $2,225,000.

DACONO

• Nathan Swift -- 135 Elizabeth St. Circle, Brenda & Nabor Cuestas, $495,000.

• Joey Tran -- 3093 Meadowbrook Place, Joseph & Erin Shim, $525,000.

• Nathaniel & Michelle Carlson -- 3085 Sweetgrass Parkway, Michael & Jennifer Berumen, $565,000.

• Dane & Zoe Chambers -- 3350 Bluestem St., Kb Home Colo Inc, $619,800.

ERIE

• Nathan Stewart -- 349 Rodden Drive, Ghislain Seguin, $565,000.

• Shannon Dev -- 1954 Marlowe Circle W, Lennar Colo Llc, $600,900.

• Khadka Ale -- 1918 Marlowe Circle W, Lennar Colo Llc, $605,100.

• Patricia & Steven Cann -- 481 Graham Circle, Emily & Aaron

Hill, $675,000.

• Matthew & Julie Smithson -- 105 Morgan Circle N, Brian & Tamara Dyck, $700,000.

• Tyler Zachari -- 382 Poppy View Lane, Christa L Martin, $703,000.

• Mary Denholm -- 1980 Merrill Circle E, Lennar Colo Llc, $770,000.

• Kathleen & Manley Frisbie -- 1972 Merrill Circle E, Lennar Colo Llc, $802,900.

• Kevin & Sarah Kirby -- 1988 Merrill Circle E, Lennar Colo Llc, $820,000.

• Frederick & Tina Dudley -- 1892 Marlow Circle E, Lennar Colo Llc, $924,900.

• Elizabeth & Luke Lemon -- 1577 Hickory Drive, Daniel & Colleen Tempel, $980,000.

• Madison Subry -- 909 Green Mountain Drive, Robert & Gayle Bucknam, $1,030,500.

EVANS

• David Hernandez -- 905 Lucca Drive, Henry Stephen Caine, $275,000.

• Louis Devens -- 3401 Burlington Ave., Ricki Loines, $345,000.

• Leonardo Nevarez -- 3511 Golden St., Cynthia Rodriguez, $398,000.

• Maire Llamas -- 4334 Primrose Lane, D Wp Evans Llc, $482,500.

FIRESTONE

• Brenna Merrill -- 5760 Twilight Ave., Bryan & Jesseca Manson, $525,000.

• Andrew Ivory -- 9654 Remington Ave., Lyn M Dreyer, $635,000.

• Mary Smith -- 6641 Sage Ave., Stephen & Joyce Ramsaur, $649,900.

• Jose Rocha -- 6686 Tenderfoot Ave., Malcolm & Lisa Parsons, $660,000.

FORT LUPTON

• Joanna & Joshua Duncan -- 503 S Rollie Ave. Unit 3a, Lupton Village Townhomes Llc, $376,900.

• Robert Gilson -- 503 S Rollie Ave. Unit 8c, Lupton Village Townhomes Llc, $377,300.

• Michelle Schwartz -- 503 S Rollie Ave. Unit 8e, Lupton Village Townhomes Llc, $379,900.

• Johncarlo Abrazado -- 1060 Gianna Ave., Lgi Homes Colo Llc, $453,900.

• Cristina Rosas -- 2469 Alto St., Lgi Homes Colo Llc, $519,900.

• Alcira Soto -- 417 Morning Tide Ave., Melody Homes Inc, $525,000.

• Amanda & Kristoffer Jackson -- 526 Ryan Ave., Challenger Denver Llc, $590,000.

FREDERICK

• Shawn & Allysa Flanagan -- 3327 Eagle Butte Ave., Adam & Melissa Woodward, $610,000.

• Shirley Miles -- 9038 Eldorado Ave., Dewey & Jennifer Orr, $670,000.

GREELEY

• Omar Gonzalez -- 1213 13th St., D F Home Solutions Llc, $285,000.

• Brandon Sturtevant -- 619 11th Ave., Recycled Properties Llc, $320,000.

• James & Melissa Espinoza -616 46th Ave. Court, Anthony Ohigashi, $325,000.

• John York -- 6603 W 3rd St. Unit 1914, Lisa & Robert Rue, $332,000.

• Todd Novak -- 1815 12th St., Barbara S Mcvicker, $350,000.

• Alexis Serrano -- 2932 19th St. Drive, Blake Avenue Properties, $355,000.

• Lory Moore -- 1618 11th Ave., Douglas & Donna Taub, $361,000.

• Gregory Hyatt -- 1218 17th St., Justin & Megan Roberts, $370,000.

• Jose Puentes -- 1404 15th Ave., John Patterson, $370,000.

• Jose Lopez -- 1021 E 25th St. Road, Bill Mckee, $400,000.

• Karl Erickson -- 1820 16th Ave., Diane Gay Lam, $400,000.

• Ava Davis -- 3416 W 6th St., Destiny Duron, $402,000.

• W Sapp -- 1200 43rd Ave. Unit 12, Larry Shirley Papachek Trust, $416,000.

• Jose Gomez -- 8706 19th St. Road, Karlie & Christopher Urbach, $459,900.

• Mary Redding -- 451 46th Ave., Cynthia C Vanbuskirk, $470,000.

• James Williams -- 6134 1st St., Melody Homes Inc, $476,200.

• Rosella & Larry Segura -- 7108 23rd St., Steven J Gonser, $555,000.

• Kyle & Kelsey Lamar -- 6018 Ashcroft Road, Alan G Schott, $785,000.

HUDSON

• Elijah Guerra -- 557 Evergreen

St., Dawn M Moore, $385,000.

JOHNSTOWN

• Alec & Carl Muehlemeyer -- 298 Cardinal St., Baessler Townhomes Colo Llc, $375,200.

• Erin & Paul Schaub -- 294 Cardinal St., Baessler Townhomes Colo Llc, $379,600.

• Devin Soutter -- 112 N Harding Ave., Mark & Dana Mellon, $435,000.

• Ryan & Mariah Fietz -- 3907 Blackwood Lane, Phillip & Laure Hartwick, $440,000.

• Domenic Strano -- 5160 Ravenswood Lane, Scott & Ashley Kear, $460,000.

• Benjamin & Lindsay Schroeder -- 427 Starling Lane, Melody Homes Inc, $518,600.

• Chunni Wei -- 903 Crestone St., Lennar Colo Llc, $530,000.

• Saul Ortega -- 324 Boulder Lane, Matthew A Sweney, $540,000.

KEENESBURG

• Hugo Montes -- 31751 County Road 16, Duc Thuan Nguyen, $500,000.

• Timothy Griswold -- 26490 County Road 16, Anna & Harold Hartley, $1,090,000.

LONGMONT

• Marissa Sher -- 1924 Rice St., Charles Mctygue, $435,000.

• Sophie Macaulay -- 1315 8th Ave., Mickey Suzanne Lozinski, $476,000.

• Thomas Spagnolo -- 4310 Gypsum Ave., Melody Homes Inc, $500,000.

• Michael & April Krause -- 1921 Sumner St., Amy Davis Living Trust, $500,000.

• Gabriel Ibarra -- 5722 Waverley Ave., Joseph & Patsy Hogan, $512,500.

• Jose & Vanessa Vaca -- 2166 Hackberry Circle, Beacon Properties Llc, $519,000.

• Gregory Schill -- 1030 Kay St., Donald R Tidwell, $525,000.

• Jason Lykins -- 8 Seattle Lane, Adam Wesley Dill, $540,000.

• Matthew & Elizabeth Simons -- 180 High Pt. Drive, Highlands Foxhill Homes Llc, $541,500.

• David & Victoria Jones -- 1428 Terry St., Deanna S Sample Living Trust, $560,000.

• Cynthia Traxler -- 3110 Depo

Drive, Brian Schofield, $585,000.

• Fazzel Gurrola -- 438 Overbrook Lane, Dfh Mandarin Llc, $618,000.

• B & Eileen Smith -- 174 High Pt. Drive, Highland Fox Hill Homes Llc, $684,300.

• Donald & Morgan Most -- 184 High Pt. Drive, Highlands Foxhill Homes Llc, $685,700.

• Jeffrey Lewis -- 1106 Signature Circle, 6151 Invest Llc, $710,000.

• Andrew Lucas -- 1814 Dorothy Circle, Ryan & Corey Atkinson, $824,900.

• Paul Fleming -- 8850 N County Line Road, Terri Smith, $2,775,000..

LOVELAND

• Brittany Baker -- 3303 Da Vinci Drive, Aspen Homes Colo Inc, $246,900.

• Steven Goldberg -- 743 Nyssa Drive, Jeneanne Davis Family Trust, $347,000.

• William Stack -- 404 E 2nd St., Deborah S Kent, $348,000.

• Amingita Mitchell -- 4138 Silverthorne Court, Samuel B Erickson, $368,000.

• William Clift -- 412 E 11th St., Local Real Estate Llc, $392,000.

• Josiah & Cali Slavin -- 6222 Kinston Parkway, Richmond Am Homes Colo Inc, $440,000.

• John Espinosa -- 2663 Painted Turtle Ave., Lennar Colo Llc, $445,000.

• Jose Barajas -- 2652 Painted Turtle Ave., Lennar Colo Llc, $445,000.

• Carson & Katelin Lemahieu -5609 Gabriel Drive, William W Wheedleton, $450,000.

• Colin Strack -- 2575 Trio Falls Drive, Kim & Sherry Feller, $488,000.

• Lee Phonthongsy -- 2514 Glendevey Drive, Craig & Keri Hannaford, $510,000.

• Mark & Marjory Fusher -- 4133 Trapper Lake Drive, Tatlac Llc, $511,900.

• Isaac & Julia Grashoff -- 5660 Maher Ave., Tralon Homes Llc, $520,000.

• Dawn Bowers -- 3278 Da Vinci Drive, Aspen Homes Colo Inc, $538,400.

• Jesse & Jill Soyland -- 4080 Avenida Del Sol Drive, Rosella & Larry Segura, $550,000.

• Kayla Steinmetz -- 4473 Brookwood Court, Orchard Property Iii Llc, $565,500.

• Nancy Anderson -- 4107 Trapper Lake Drive, Tatlac Llc, $571,400.

• Jose & Anna Martinez -- 2657 Lochbuie Circle, Ward Family Trust, $587,500.

• Christen Mclemore -- 1912 Leila Drive, Jeremy Davis, $590,000.

• Michael & Stephanie Paustian -- 171 Greenwood Drive, Cheryl L Cook, $597,000.

• Alice Warino -- 1345 W 50th St., Andrew C Hoburg, $625,000.

• Shane & Sarah Mogensen -3226 Whitewood Court, Farrell & Meri Spencer, $627,000.

• Danielle & Evan Willis -- 3417 Windsor Court, Thomas Shorten, $690,000.

• Scott & Karen Shanafelt -- 6000 Shen Road, George & Diana Erhart, $870,000.

NIWOT

• Michael Uhl -- 9002 Comanche Road, Meredith Ann Macgregor, $1,145,000.

• Kenneth & Aimee Thompson -- 6660 Paiute Court, Manuel Amaro, $1,250,000.

MILLIKEN

• Jonathan Porter -- 1807 Saddleback Drive, Jake & Reeve Geiger, $545,000.

• Lisa Villela -- 9251 Meadow Farms Drive, Justin & Kristin Lenhart, $1,023,500.

NIWOT

• Michael Uhl -- 9002 Comanche Road, Meredith Ann Macgregor, $1,145,000.

• Kenneth & Aimee Thompson -- 6660 Paiute Court, Manuel Amaro, $1,250,000.

PIERCE

• Tina Tague -- 43370 County Road 39, Matthew Charles, $425,000.

PLATTEVILLE

• Aaron Cochran -- 459 Stevens Circle, Christopher & Eliza Donoghue, $435,000.

• Griselda Reyna -- 413 Harrow Lane, Peggy L Rose, $445,000.

• Bryan & Jesseca Manson -16475 Essex Road S, New Expression Homes Llc, $849,900.

RED FEATHER LAKES

• Jena Paonessa -- 22 Blue Jay Lane, Rachel & Curtis Johnson, $395,000.

• Kyle & Christine Pott -- 6097 N County Road 73c, Jena Paonessa, $464,000.

SEVERANCE

• David Janosky -- 830 Forest Canyon Road, Journey Homes Llc, $446,300.

• Larry & Tonya Blazer -- 934 London Way, Melody Homes Inc, $486,300.

• Jessica Studer -- 828 Forest Canyon Road, Journey Homes Llc, $487,800.

WINDSOR

• Randall Meyer -- 360 Rancho Drive Unit 212, Water Valley Vaults Llc, $250,000.

• Joslyn Chapman -- 110 Beacon Way Unit 5f, Matthew & Nichole Hill, $320,000.

• John Velardo -- 5 Chestnut St., Chelsea Hess, $394,000.

• Thomas & Erin Wick -- 1376 Saginaw Pointe Drive, Myron E Anderson, $400,000.

• Nicholas Wilkens -- 877 Durum St., Catherine L Brennan, $465,000.

• David & Anna Puls -- 1107 Timberline Court, Margaret Womble Launer, $495,000.

• Matthew & Katie Law -- 534 Sherwood Court, Emma & Corbin Chamberlain, $515,000.

• Erik Hernandez -- 1617 Clarendon Drive, Nicole Hay, $517,300.

• Mark & Kelsey Pavlidis -- 341 Telluride Drive, Andrew & Ayisha Dalleinne, $519,900.

• Calvin & Connie Willis -- 857 Charlton Drive, Steven E Melvin Living Trust, $565,000.

• Madison & Bradly Bradly -388 Seahorse Drive, William & Katie Baker, $595,000.

• Drew & Michael Schneider -- 328 10th St., Kirk & Andrea Starck, $641,000.

• Jasmine Soo -- 1963 Blue Moon Drive, Gregory & Hannah Mckinney, $799,000.

• Brandon Kite -- 1674 Flourish Drive, Th Raindance Windsor Llc, $925,000.

• Kip & Kaylene Polly -- 6537 Murano Drive, John & Dara Tysver, $1,200,000.

• Roger & Karen Paris -- 1835 Galapagos Court, Jerry & Sandra Trawick, $1,594,900.