At Home - Northern Colorado Edition 08.13.16 by Prairie Mountain Media

REAL ESTATE

Open Home Listings, Builder Spotlight, Homes for Sale, Rentals and More!

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WANT TO BUY YOUR FIRST HOME? Here’s what you need to know FIVE BASIC STEPS TO PUT YOU ON THE PATH TO HOME OWNERSHIP

Quick Guide and Featured Open Homes

Tomato Taste Off a Way to Sample Love Apples

5 Home Repairs You Should Leave to the Pros

Looking for a home? View comprehensive listings of local open homes taking place this weekend from all across the area.

When it comes to viewing and tasting tomatoes, the annual Taste of Tomato event is a winner.

DIY is a great money saving trend, but there are some things homeowners shouldn’t risk repairing on thier own.

August 13-14, 2016

Reporter-Herald – AtHomeColorado.com

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Yardsmart

Inspired by the boma Nomadic tribes in Africa raise livestock amid the most ferocious predatory mammals in the world. Keeping their families goats and cattle safe, particularly at night, is not easy. Long ago, the kraal was devised by cutting wickedly sharp thorny brush to stack into a dense, round enclosure for protecting both human and animal overnight. During colonial times, the word “boma” was applied to these uniquely circular enclosures made of local materials throughout Africa. One desert dweller was so inspired by the boma that they built an American version on their remote getaway. This circular fence was created by using grid wire and a lot of very long straight branches, often tree-pruning waste, dried stiff and straight before lashing. Often huge quantities of such branches are the result of pollard pruning styles that require yearly cutting of the new growth to harvest uniformly-sized branches. For some, this much material can be the result of having trees trimmed or removed at your house or around the neighborhood. Often they will be a treasure trove that offers enough material to make something really fun this summer. For example, whole home orchards or commercial ones are pruned in winter to yield a huge volume of material often free for the asking. Don’t delay, go out and select the best of it for your project, then lay each branch out on a level

By Maureen Gilmer, Tribune News Service (TNS)

This beautiful African fence was made of riverbed reeds carefully assembled into a privacy enclosure that maintains air movement. (Handout/TNS) surface or concrete slab to dry out and season without twisting. Another resource is the clearing of drainage ditches of willow scrub, which eventually compromises its capacity. Removing willows in the channel yields an excellent source of flexible whips for woven wattle binding during the growing season. When you work with living willows, they will root where contacting the soil to give your fence a much longer life span or much greater screening ability. They can be woven through pickets, used for lashing, bundled into overhead arbor gates and dozens of other ways that have been requisite skills since ancient times.

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Where palms are common and other wood sources are minimal, other types of fences have emerged using the fronds themselves and the stems of the palm flower stalk as pickets. To turn a transparent fence solid, weave the fronds into openings to create a thatch wind or privacy screen. Try this method with rolled field fencing, which can be attached to an existing chain link to create a solid barrier. Because palms resist decomposition, these are great choices for humid or dry climates. Perhaps the most ancient skill of the gardener is the ability to recycle or repurpose necessary pruning waste into something more produc-

tive than chipping for mulch. You may find great free materials around the neighborhood when set out on the curb for green recycling. All over the world people have used these kinds of fencing with almost exclusively recycled materials from wild and cultivated woody plants. But where wood is not plentiful, another method is to use Arundo donax, a global reed common on almost every part of the globe. This material is also used in Africa for a fancier kind of boma fence you find at upscale camps and villages. Rather than buy new materials for a garden fence, a kids play area or dog yard, consider using what’s local, available and cheap or free for the asking. Sure, it takes time to make such a lovely semitransparent partition to create more enclosed areas, outdoor living spaces and for freestanding privacy screens. Travelers to developing countries quickly realize almost everything is made of mud or plant materials. It’s very organic and affordable for the poorest American renter to the high-end modern texture panels. Above all, they blend with the local aesthetic no matter where you go ,demonstrating how folks created fences before the rise of home improvement stores. ——— Maureen Gilmer is an author, horticulturist and landscape designer. Learn more at www.MoPlants.com

Contributing Writers: Sharon Yi, Suzanne Plewes, Carol O’meara, Ilyce Glink, Samuel J. Tamkin, Jim Rossman, Alan J. Heavens, Maureen Gilmer, Dwight Barnett Additional Content: McClatchy-Tribune Media Services Editor/Features Coordinator: Misty Kaiser

ATHOMECOLORADO.COM Visit AtHomeColorado.com for the latest real estate news, home tips, new home listings, area open houses, rentals, featured agents and more.

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303.473.1456 or Toni McNeill at 303.684.5329.

At Home welcomes news on hirings, advancements, awards, classes and other information of interest to the local real estate and home community. Submit information to athome@reporterherald.com.

To submit an open home listing, visit athomecolorado.com/submitopenhouseloveland

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Reporter-Herald – AtHomeColorado.com

August 13-14, 2016

Lawn and Garden

Tomato Taste Off a Way to Sample Love Apples My neighbors might be catching on that living near a gardener is a good thing. Sure, there are a few quirks to put up with, like earsplitting shrieks when CAROL O’MEARA squirrel CSU Extension damage is noticed on pumpkins or alarming noises as I rise up from crouching to weed. But these small eccentricities fade once harvest sets in, because they know I’ll start sharing the bounty with those who wander by. As they stroll past with their pets, I call them into the garden with friendly invitations like “you, with the Shih-Tzu, want some beans?” or “Hey, parrot-walking man! I’ve got plenty of kale to share!” Most have gotten produce from me before and accept it with smiles, even though they know I’ll toss in a zucchini for good measure. Right now the beans are coming in like there’s no tomorrow, but fast on their heels is a bumper crop of tomatoes. And once they start, everyone in the neighborhood gets love apples. Big, little, red, yellow, purple, and orange – we’re entering tomato season with its wealth of rainbow colors. Cherry tomatoes like Green Doctors, Isis, Sungold, and Jasper may be little in size but big in flavor. Each of these tasty morsels is sweet enough to woo new devotees to growing them. Matt’s Wild Cherry, a currant type, is a tiny, prolific tomato about the size of a pea. Salad tomatoes that shake your kitchen up with new flavors and colors are Green Zebra, Lemon Boy, or Japanese Black trifele. Each has bold enough flavor to stand on their own, but combined in a colorful Caprese salad, they shine. I’m experimenting with paste tomatoes this year, because I sauce a lot of them and an Italian-American August 13-14, 2016

friend told me, proudly, that for real Italian sauces, you need San Marzano tomatoes. But I love the flavor of Amish Paste and you can’t beat Roma for performance. Although I’m a tomato geek and love them big and small, I will admit that when the beefsteaks come in, it’s my favorite part of the summer. Huge, brightly colored, and heavy with the promise of outstanding taste, the beefsteaks are the late season love apples that finish summer with a bang. Of the big ones, it’s hard to beat Brandywine, but Pineapple, Amana Orange, Black Krim, Cherokee Purple, and Paul Robeson give it a run for the money. Sweet and balanced with acid, Pineapple is a large yellow tomato streaked with red. Gardeners, if you’ve wondered what those tempting tomatoes taste like, but don’t have room to grow them all, head out to the Taste of Tomato in Boulder. Sponsored by Harlequin’s Gardens and Colorado State University Extension in Boulder County, the Taste of Tomato is an opportunity to sample the love apple in its many forms - stripes, color, shape, and size. Scheduled for Saturday, August 27, 10 am to 1 p.m. at Gateway Park 4800 N. 28th St. in Boulder, the Taste of Tomato is where gardeners can bring their tomatoes for others to try and sample the products others are growing. Each year, tomato enthusiasts gather to

taste nearly 100 varieties and vote on the tastiest of the lot. Entry is free if you bring three

or more medium to large tomatoes or 10 cherry tomatoes of one kind, with the variety name on a card, to donate to the tasting. All entries must be home-grown. If you have no tomatoes to bring, there will be a $5 entrance fee. For more information on the Taste of Tomato, visit harlequinsgardens.com/. ————————————— Colorado State University Extension, together with Boulder County Parks and Open Space, provides unbiased, research-based information about consumer and family issues, horticulture, natural resources, agriculture and 4-H youth development. For more information contact Extension at the Boulder County Fairgrounds, 9595 Nelson Rd., Box B, Longmont, 303.678.6238, or visit the web site at ext.colostate. edu/boulder.

Open House Sat & Sun 1:00 to 3:00 pm Artist’s home with Studio

www.5138RidgeParkWay.com

$725,000

Ranch home with walkout basement Overlooking Loveland Separate Studio Entrance RV Parking in Garage

Thinking of selling and wonder what your home might be worth? Accredited Buyer Representative

www.LovelandHousePrices.com For a FREE Pinpoint Price Analysis

970-690-6918 Scott Maltzahn NMLS# 145345

Nanci Garnand 970-227-1327

Reporter-Herald – AtHomeColorado.com

Dave Gornall 970-590-8891

Loan Simple LSI NMLS #3032 Conventional Jumbos Refinances FHA down to 560 credit score

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REAL ESTATE

5 Home Repairs You Should Leave to the Pros While you may fancy yourself a “handyman” and have deftly mastered your fair share of DIY projects, there are By Suzanne Plewes several home CRS, ABR, CDPE, GRI improvement Broker Associate at tasks you RE/MAX Alliance might want to call in a professional to handle. Here are 5 home repairs you should leave to the pros:

Roof Repairs There are several reasons why you should call in a roof expert. Safety should be your first priority. Depending on the height of your home and the pitch of the roof, it may be too dangerous for you to tackle a project of this magnitude. Even if you have the appropriate size ladders and equipment, the risk of securing them properly, scaling and descending, and maneuvering atop

the roof may prove to be too precarious. In addition to being unsafe, you probably don’t want to gamble patching or flashing something incorrectly, leaving you with leaks and further repairs that will inevitably cost you more money in the end. It’s best to hire a professional for all roof repairs.

Cleaning Out Gutters Again, safety comes first. Just like roof repairs, gutters are not located in the most accessible places and can pose a risk of falling. Trying to maintain balance on the ladder while removing all of the debris at the same time is a recipe for potential disaster. Better leave this job to someone who has been there and done that. Plus, gutter removal costs are usually quite.

Electrical Work When it comes to electrical repairs or projects, you’re not only facing dangerous safety issues but also potential concerns regarding code violations and licensing problems. Lack of experience can result in electrocution or faulty wiring that

could lead to fire hazards. In addition to that, your handiwork may not be up to code – which will affect your resale value. By Colorado law, homeowners are not permitted to complete electrical work on their own if the property is for rent or for sale (or is open to the public). Save yourself the risk of injury and protect yourself from any violations or resale problems by hiring a pro.

Plumbing Work Colorado law requires a permit be obtained at the local building department before performing any plumbing work. Homeowners may do the work themselves if the property is not for sale or for rent (and not open to the public). Everything must be up to code and inspected by the building department. Unless you are completely familiar with local plumbing code and have the tools and skillset to perform plumbing work, it is best left to licensed plumbers.

Structural Work Don’t go it alone with this type of work – as the last thing you want to

do is risk the structural integrity of your home! Plans to open up space by removing walls or restructuring rooms need careful consideration from a contractor or structural engineer. Many factors come into play with supporting beams, foundations, and reinforcement framework regarding the ability to withstand weight-bearing load and resist collapse. These are not things you want to haphazardly play around with or leave to guesswork. So as you can see, there are many reasons why certain DIY home improvements are best left to the experts. By hiring a professional, you will not only protect yourself from danger and your property from potential damage, but you may also avoid incurring any unnecessary expenses in the long run. Be safe, be smart, and be satisfied with your repairs! ——————————————— Suzanne Plewes is a Broker Associate at RE/MAX Alliance in Loveland. For real estate questions write to 750 W. Eisenhower Blvd., Loveland, CO 80537, call 970.290.0373 or e-mail suzanneplewes@ remax.net.

Real Estate

Transferring property after parents’ death usually determined by last will and testament By Ilyce Glink and Samuel J. Tamkin, Tribune Content Agency

: Both of my parents have died. My dad died in 2006 and my mom passed away a couple of months ago. Their home is paid off, but it’s listed in both of their names at the property tax office. What can I do to transfer the property in my name?

: Our condolences on your loss. Without more information, we can only assume that you believe that you are entitled to the title to your parents’ home, but that assumption may be incorrect. The first question we have to ask is how they owned the home. Most married couples own a home jointly with rights of survivorship. That means that when one spouse dies, the other spouse

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automatically becomes the owner of the home. Now if your parents owned the home jointly with rights of survivorship and in their own names, your mom would have become the sole owner of the home when your father died. Some people own real estate in the name of living trusts for estate planning purposes or to avoid probate courts having to approve the sale of the home to the person’s heirs. It gets a bit more complicated to answer your question at this point. If your mother had a will at the time of her death, the home should pass on to the person designated in her will. If you are entitled to the home under the will, then you might have to take the will to court to have the will probated. The probate court would first approve the executor of the will. Once the executor of the will is approved, the executor could

move to have the court approve the transfer of the title to you from your mother. When there is no will you might have to do a bit more, particularly if you have relatives and siblings. Assuming you have brothers and sisters, they may be entitled to a share of the home, too. You might all share and share alike when it comes to the home. When a person dies without a will, the laws of the state in which the person died and where real estate is located may kick in to provide a method for distributing the property owned by the decedent. For example, if you have two brothers and one sister, each of you may inherit a one-quarter interest in the home. You may feel that your mother wanted you to have the home, but without a will you would have to share the home with

Reporter-Herald – AtHomeColorado.com

your siblings. On the other hand, if you are the only child, you may be entitled to the home especially if no other relatives have a claim to the home and there are no creditors that have liens against the home. As we usually say, if you have specific questions pertaining to your particular circumstances, you may want to talk to a real estate attorney or probate attorney about your case. (Ilyce Glink is the creator of an 18-part webinar+ebook series called “The Intentional Investor: How to be wildly successful in real estate,” as well as the author of many books on real estate. She also hosts the “Real Estate Minute,” on her YouTube channel. Samuel J. Tamkin is a Chicago-based real estate attorney. Contact Ilyce and Sam through her website, ThinkGlink.com.) August 13-14, 2016

Home Fix

How to repair vinyl siding

By C. Dwight Barnett, Tribune News Service (TNS)

: Our home was built in the 1920s and is showing its age. Painting the home every 10 years is out of the question so we decided to have the vinyl siding installed. After the workers left, the home looked

brand-new. But after a few months I noticed the siding was coming loose. I called the contractor and found out the phone number is no longer in service. Can you advise me on what to do now?

: The original wood siding on your home is most likely poplar wood, which has dried over the years and has a tendency to split if a siding nail hit it in the wrong place. Fortunately, each piece of loose vinyl siding can be removed without having to remove the entire wall. If the loose piece is in the middle of a wall, you do not have to start at the top and remove all the siding. A contractor can use a special inexpensive tool to undo the locking lip at the bottom of each panel to expose the loose areas. Where the wood siding is split, the vinyl can be reinstalled using special fasteners, or the split wood can be repaired and the vinyl siding’s fasteners can be relocated away from where the original wood is damaged. Vinyl siding is very easy to install once all the outside or inside corners, window trim and soffits have been installed. Even if the entire wall is loose and has to be removed it can be repaired in less than an

eight-hour day with a crew of two experienced workers. If you have a two-story home it may take a little longer, but the original vinyl can, in most cases, be reused and you would have to pay for labor only. If you can’t locate the original contractor, at least give the company name or the contractor’s name to the local Better Business Bureau to protect other unsuspecting homeowners from experiencing poor workmanship. ——— C. Dwight Barnett is a certified master inspector with the American Society of Home Inspectors. Write to him with home improvement questions at C. Dwight Barnett, Evansville Courier & Press, P.O. Box 268, Evansville, Ind. 47702 or e-mail him at d.Barnett@ insightbb.com.

Open House Saturday & Sunday 11am-2pm

Open House Sunday 2-4pm

13757 County Road 8, Fort Lupton 80621 • $650,000 • MLS# 798531

3098 Sedgwick Cir., Loveland 80538 • $390,000 • MLS# 794877

6058 Southern Hills Dr., Windsor 80550 • $569,000 • MLS# 799133

4 Beds • 2 Baths • Total Sq. Ft. 2,526 Vintage Farm with 37 ac. Remodeled brick home with Equestrian or livestock barn. Easy to convert to a large shop and storage set up. Amazing views with old cottonwood trees. Make a move to the country! Easy access to highway.

4 Beds • 4 Baths • Total Sq. Ft. 3,779 Popular floor plan in desirable Hunter’s Run subdivision. Main floor master and laundry with 3 car garage. Community pool and trails nearby. Lindsay Chacon Jena Pipher 970-631-3458 970-691-0752 lchacon@c3-re.com jpipher@c3-re.com

3 Beds • 3 Baths • Total Sq. Ft. 3,665 Beautiful Ranch located in desired Highland Meadows Golf Course! 3 bed 3 bath stucco home with fully finished 3 car garage. Unfinished walkout basement w/9ft ceiling. Backs to green-space. Jena Pipher Todd Jeskulski 970-691-0752 970-391-1197 jpipher@c3-re.com tjeskulski@C3-re.com

Open House Saturday & Sunday 1-4pm

Open House Saturday 11am-2pm

2663 Imperial Ridge Dr., Loveland 80537 • $415,000 • MLS# 798181

317 N Cove Dr., Loveland 80537 • $685,000 • MLS# 780667

3831 Heatherwood Cir., Johnstown 80534 • $349,900 • MLS# 798512

4 Beds • 4 Baths • Total Sq. Ft. 3,986 Come see the stunning updates in this beautiful ranch style home in desirable neighborhood. 4BR, 4BA w/oversized 3 car G. Custom stone FP, granite, new appliances, carpet, flooring & roof to name a few. Susan Propp Renée Salza 970-691-0754 970-231-5082 spropp@c3-re.com rsalza@c3-re.com

3 Beds • 3 Baths • Total Sq. Ft. 3,350 Located in The Overlook, gated community in west Loveland. New construction, high end finishes: large kitchen island, quartz counters, gourmet-level appliances incl French door fridge & dual fuel range/oven, hardwood floors. Nancy Baxter 970-231-7700 nancy@nancybaxter.com

3 Beds • 3 Baths • Total Sq. Ft. 3,836 This charming two story home in Thompson River Ranch is a must see! This was previously the builder’s model and the upgrades are truly one of a kind! The backyard has a covered & uncovered patio. Joyce Giard 970-207-0222 jgiard@c3-re.com

Christine Allard-Doble 970-685-0538 cadoble@c3-re.com

Laurie Myers 970-290-4724 lmyers@c3-re.com

Open House Sunday 1-3pm

www.MyColoHome.com August 13-14, 2016

Open House Saturday 12-2pm

970.225.5152 • C3 Real Estate Solution, LLC. Reporter-Herald – AtHomeColorado.com

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featured properties Open Saturday 9am-5pm 950 Andromeda Drive, Loveland $350,000 Big Yard! The Silverton floor plan is a 4 bd/3 bth ranch style home with a finished basement and 2 car attached garage. The large yard is enclosed with a fence. The living room, dining, kitchen and hall feature wood floors. The master bedroom includes an a door to an extended back patio. A/C, window treatments, sprinkler system, garage door opener, range, microwave, dishwasher included and more! Ready for move in! Rollin Goering Realtor, GRI, CNE, EcoBroker Partner/Broker Associate • LC Real Estate Group/LC Home 970-402-6432 • rollin@lcrealestategroup.com

Dominic East Coldwell Banker

970-412-7743

OPEN HOUSE DAILY 12-4 PM

3625

Open Sat 11AM-3PM & Sun 1PM-4PM 7120 Crystal Downs Dr, Windsor- $584,700 Still available! 2180 sq ft ranch plan by Nutrend homes. 3 bed 2 bath open floor plan w/lots of beautiful engineered wood floors, granite and tile. Backs to hole #9.

Open House Sunday August 14 12PM - 2:30PM $

477,000

21 Greenwood Dr. Loveland - $498,000 Come join us ,take a look at the beautiful surroundings! This house has a lot to offer with 3 beds 2 baths up, and in the basement a mother in law apt with 2 non conforming beds a bath kitchen living area separate entrance, and huge pole barn 60 x 40. MLS 798348

Glen Homes Hidden Valley 1885 ranch plan on Patio garden level lot - 2 Bedrooms with ensuite baths,1/2 bath, and Study. Open floor plan with granite, hardwood floors, solid knotty alder doors, 3-car tandem garage, backs to open space with MTN. views. MLS# 778533.

Cheryl English Cherry Creek Properties INC 303-332-6723

For a complete listing and map of open homes in the area visit AtHomeColorado.com 6

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Reporter-Herald – AtHomeColorado.com

August 13-14, 2016

OpenHomes Quick Guide

City

Open Open House House Time Date

Street

Visit AtHomeColorado.com for a complete listing and map of open homes in the area.

Price Agent

Company Phone

Fort Collins

Saturday

1pm-3pm

6520 E Trilby Rd.

$950,000

Keith Huntsman

The Group Inc

970-227-2779

Fort Lupton

Saturday & Sunday

11am-2pm

13757 County Road 8

$675,000

Christine Allard-Doble

C3 Real Estate Solutions

970-685-0538

Johnstown

Saturday

11am-2pm

3831 Heatherwood Cir.

$349,900

Joyce Giard

C3 Real Estate Solutions

970-207-0222

Johnstown

Tuesday-Sunday

10am-5pm

4814 Silverwood Dr.

$391,163

Doug Miller / Andrea Schaefer

The Group Inc

970-481-9444/ 970-290-3758

Johnstown

Monday

1pm-5pm

4814 Silverwood Dr.

$391,163

Doug Miller / Andrea Schaefer

The Group Inc

970-481-9444/ 970-290-3758

Johnstown

Tuesday-Sunday

10am-5pm

3402 Mountainwood Ln.

$401,454

Doug Miller / Andrea Schaefer

The Group Inc

970-481-9444/ 970-290-3758

Johnstown

Monday

1pm-5pm

3402 Mountainwood Ln.

$401,454

Doug Miller / Andrea Schaefer

The Group Inc

970-481-9444/ 970-290-3758

Johnstown

Saturday & Sunday

1pm-4pm

4349 Yarrow Ln.

$559,995

Tracy Wilson

RE/MAX Alliance

970-567-0907

Loveland

Saturday

11am-3pm

744 Monroe Ave.

$320,000

Linda Pinkerton

Loveland

Saturday

9am-5pm

950 Rollin Goering

$350,000

Rollin Goering

LC Real Estate Group

970-402-6432

Loveland

Sunday

2pm-4pm

3098 Sedgwick Cir.

$390,000

Lindsay Chacon

C3 Real Estate Solutions

970-631-3458

Loveland

Sunday

1pm-3pm

2663 Imperial Ridge Dr

$415,000

Renée Salza

C3 Real Estate Solutions

970-231-5082

Loveland

Saturday

11am-1pm

2950 Beech Drive

$425,000

Kathryn Ford

Madison & Company Properties

303-324-3379

Loveland

Sunday

11am-1pm

2950 Beech Drive

$425,000

Kathryn Ford

Madison & Company Properties

303-324-3379

Loveland

Sunday

12pm-2pm

1445 Antero Dr.

$449,000

Tamera Nelson

RE/MAX Alliance

970-420-0040

Loveland

Daily

12pm-4pm

3625 Peruvian Torch Drive

$477,000

Venna Hillman

Shorewood Real Estate

970-590-1832

Loveland

Daily

12pm-4pm

3701 Desert Rose Drive

$497,800

Venna Hillman

Shorewood Real Estate

970-590-1832

Loveland

Sunday

1pm-3pm

1657 Maiden Grass Dr.

$525,000

Cindy Kurtz

The Group Inc

970-962-6832

Loveland

Saturday

1pm-3pm

125 Scenic Ct.

$680,000

Eric Hansen

The Group Inc

970-342-3018

Loveland

Saturday & Sunday

1pm-4pm

317 N Cove Dr.

$685,000

Nancy Baxter

C3 Real Estate Solutions

970-231-7700

Loveland

Saturday

2:30pm-4:30pm

2008 Skyrock Dr.

$769,000

Alysha Melaragno

The Group Inc

970-231-6015

Loveland

Sunday

1pm-3pm

823 Rossum Dr.

$1,199,000

Nancy Walkowicz / Robert Walkowicz

The Group Inc

970-461-7136/ 970-481-6077

Windsor

Saturday

12pm-2pm

6058 Southern Hills Dr.

$569,000

Todd Jeskulski

C3 Real Estate Solutions

970-391-1197

Windsor

Saturday

11am-3pm

7120 Crystal Downs

$584,700

Erick Menzel

Coldwell Banker

970-402-8457

Windsor

Sunday

1pm-4pm

7120 Crystal Downs

$584,700

Holly Jorgensen

Coldwell Banker

970-231-4212

Windsor

Saturday & Sunday

1pm-3pm

6844 Spanish Bay Dr.

$597,600

Coleen Ligotke

RE/MAX Alliance

970-690-1732

303-532-7985

For information on listing your open home, call Thais Hafer 303.473.1456 or Toni McNeill 303.684.5329 August 13-14, 2016

Reporter-Herald – AtHomeColorado.com

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COVERPROFILE

WANT TO BUY YOUR FIRST HOME? Here’s what you need to know Five basic steps to put you on the path to hoe ownership By∆2, Domaine (TNS) There are few things that make you feel more like a bona fide Adult with a capital A than buying your first home. Now that you’ve decided where you want to settle down and separated your musts from your wants, the next step is actually purchasing the home, which is unsurprisingly not as simple as swiping your credit card (unless you’ve got a cool $100K lying around). Surveys show that prospective millennial homeowners aren’t treating the decision flippantly and are instead thinking more critically about their first home purchase, with 35 percent of potential homeowners intending their first home to also be their last, according to the National Association of Realtors. Assuming you’ve selected your dream home, gathered all the necessary paperwork and checked your credit score, the final step to make your nesting dreams come true is choosing a mortgage plan, which 8

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comes with a lot acronyms and ﬁnancial savvy we admittedly can use a helpful hand with. So we rung up Erin Lantz, VP and GM of mortgages for Trulia, who gave us a crash course explaining all the ins and outs of what the slightly tedious but necessary process entails. Ready to dive in? Your dream home awaits.

STEP 1: GET PRE-APPROVED To start the mortgage process, you want to get pre-approved. For that, you’ll have to substantiate the funds you’ll be using to pay for the monthly mortgage, which can include your monthly income pay stubs and any other liquid assets you may have, including savings accounts and retirement accounts if you’re eligible. The lender will then use all your amalgamated assets to calculate your debt-to-income ratio, which will help them assess your ability to pay back your loan. Term to know: debt-to-income ratio. Your goal here is to reach a favorable DTI, which is calculated by dividing your existing debt (think credit card bills, student loans and monthly payments like car insurance), including your desired monthly mortgage payment, by your total gross income. You want a low debt-to-income ratio, with lenders favoring 28 percent to 33 percent.

The best way to have a manageable DTI is to answer: What house size (and mortgage) can I comfortably afford? Since the DTI calculates not just your mortgage but all your other monthly payments, Lantz says the most important thing is “to think about your mortgage within the context of your overall budget. Consider your lifestyle choices, like traveling, rearing kids or any health expenses.” While you can marginally increase or decrease your monthly payments based on how much cash you put down, she says you should ﬁrst ﬁgure out what your monthly spend should be. “That way the down payment will become a much smaller portion of the decision.”

STEP 2: PICK BETWEEN A FIXED OR ADJUSTABLE INTEREST RATE Your second goal is to achieve a low interest rate, which goes back to how much you want to spend monthly. You can pick between a ﬁxed rate or one that can be adjusted over time. Typically a ﬁxed rate, though stable, will have a higher interest rate than the initial rate offered with an adjustable loan. However, keep in mind that an adjustable loan is subject to change over time, potentially resulting in a higher interest rate overall. Term to know: jumbo loan. Based

Reporter-Herald – AtHomeColorado.com

on your state and county, Fannie Mae or Freddie Mac have decided what the loan limits should be (find your county’s specific loan limits here). Anything below the limits is called a “conforming” loan. Once surpassing that limit, you’ve now entered into a “jumbo loan,” which grants the lender more flexibility to structure the loan program to offer more varied jumbo products. “In order to qualify for a jumbo mortgage, you’ll still need to be able to afford a higher loan amount and a higher down payment because it’s a bigger loan,” says Lantz. “But the interest rate should be comparable. It used to be the case that the interest rate is a lot higher with a jumbo loan, but that difference has pretty much disappeared.”

STEP 3: CHOOSE BETWEEN A GOVERNMENT-INSURED OR CONVENTIONAL LOAN There are three types of government-insured mortgages, which are for veterans, rural residents with modest income and the more widely applicable: FHA. Term to know: Federal Housing Administration loan. This loan is offered by the U.S. Department of Housing, and it’s an attractive loan, thanks to its very low-interest rates and lenient qualiﬁcation requirements. August 13-14, 2016

You only need a minimum credit score of 580 (the average is 750) to qualify, and a down payment could be as low as 3.5 percent of the home’s purchase price (the average is 20 percent). For first-time home buyers, while the pre-qualifications are much more feasible, there’s a catch. With an FHA loan, you’ll have to pay an upfront mortgage insurance premium, in addition to a monthly mortgage insurance fee. But an FHA isn’t your only option when searching for low–down payment loans. Lantz says, “There are increasingly more lenders that are offering loan programs that don’t require 20 percent, so don’t fret if you don’t have the 20 percent down.” She suggests starting with Bank of America, Chase and Wells Fargo, who have all recently announced their own low down payment programs that are incredibly varied. “Shopping around is really important, especially in this scenario,” says Lantz. “We see consumers often go with the first lender they spoke to, and a lot of the answers to these questions (Can I reduce my down payment? Can I lower my interest rate? Do I have to pay for mortgage insurance?) is: It depends. It really pays to shop around and find the lender that suits your needs,” says Lantz.

STEP 4: SHOP FOR THE BEST HOMEOWNERS INSURANCE Now that you’ve selected a mortgage plan, you’ll also need to factor in property taxes and homeowner’s insurance. While there isn’t anything you can do about your property taxes, you can (and should) shop around for the best deal on your homeowner’s insurance (not to be confused with your mortgage insurance from above). Term to know: homeowners association. If you are joining a condominium, townhouse or gated community, there’s most likely a homeowners association fee you will be responsible for, which covers the building’s shared amenities and upkeep (think pool, gym or a doorman). There may also be ﬁne-print requirements on how you need to maintain your home (such as window boxes) that could entail hidden costs. Also keep in mind that most HOA fees do not cover the interior properties of individual units should any damage occur. You’ll still need to purchase separate homeowners insurance based on your speciﬁc needs.

STEP 5: MAKE AN OFFER After considering all the monthly August 13-14, 2016

fees and shopping around for the best lender for you, you can then work with a real estate agent to make an offer. Should the seller accept, you head into escrow, the period of time between settling on a purchase agreement and the day you get the keys. There are a couple things that must happen before you close, such as your lender getting the home appraised. This is to make sure that your home is truly valued at the price it’s being sold for. Next is a home inspection, which will fall on your shoulders. You’ll need to hire a professional inspector to do a noninvasive examination of the house. This is to make sure that there aren’t any serious issues to the home, such as faulty circuit breakers, structural cracks or water damage that may end up costing you more in renovations in addition to the purchasing price. Should the inspector find serious issues, you will be able to back out of the purchasing agreement and retrieve your deposit. Term to know: escrow. Remember Joey’s meltdown in “Friends” when he couldn’t find Monica and Chandler’s “escrow” on the map? Escrow not only refers to the time it takes between the purchasing agreement and receiving the keys, it can also refer to a fiscal account in which a third party holds your down payment for the house. Once the house passes inspection, the third party will “close the escrow,” which will transfer the funds and any closing costs (such as real estate agent fees) to the seller and transfer the title of the house to you. As a final tip, Lantz says while this is just the beginning of the road, you do want to think about the potential end: How long do you plan on living in this house? Lantz says the average homeowner lives in a home for five to six years, but most mortgage plans are on a 30-year fixed rate. Lantz says, “The chances of homeowners staying in a home for 30 years is really low, so that should help determine what kind of mortgage you want to go with.” The great news? “Rates for 30-year fixed plans are very attractive right now.” We’ll be waiting for a housewarming invitation. ——— Get the latest on home decor trends, design ideas, shopping guides and food news, and take a look inside your favorite celebrity homes on DomaineHome.com.

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Home Technology

This rugged Bluetooth speaker is ready for your pool party By Jim Rossman, The Dallas Morning News (TNS) If you follow my reviews, you’ll remember I like the entire idea of Bluetooth speakers, which seem to be the equivalent of my old boombox from the 1980s. In the old days, if you wanted to carry your music out to the backyard, you’d unplug your boombox and make sure all 12 of the D-size batteries were loaded up. You either played a cassette or listened to the radio, although my later models did have a CD player. Well, music has made a transition from cassettes, CDs and FM radio to smartphones, MP3s, Pandora and Spotify. We have all the music sources we could ever want, and it all originates from our phones, which have tiny speakers. For a while, it seemed speaker docks were the way to go. I had several for iPods and iPhones that had a 30-pin connector for your device, which had to stay in the dock to provide sound. Advances in streaming technology meant we could send the music from our phones to a properly equipped Bluetooth speaker system. Now getting the music outdoors is as easy as tossing a Bluetooth speaker in your beach bag. I’ve tested and owned plenty of Bluetooth speakers, and I’ve been happy with most of them. For the last few weeks I’ve been testing the Turcom AcoustoShock

The Turcom AcoustoShock Bluetooth speaker weighs just over 3.5 pounds and will ﬁt easily into a beach bag. (Turcom Electronics) Wireless ($129.99), and it has the distinction of being one of the larger Bluetooth speakers I’ve used. I’m not saying the AcoustoShock is too big — it measures 10-by-3.8by-4.7 inches and weighs just over 3.5 pounds. But it’s not going to disappear into your purse or gym bag. It’s pretty substantial. The AcoustoShock is made for the outdoors — it has a rating of IPX5, which means it’s water-resistant against a direct spray or splashing of water. Just don’t dunk it completely. Also, the charging ports on the side are protected by a small door,

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which must be secured to provide the water resistance. The AcoustoShock is surrounded on each side by an inch-wide band of knobby rubber. It’s shockproof and dustproof as well. I dropped it onto a carpeted floor from a height of 4 feet, and it suffered no damage. The top has a row of inset buttons for playback and volume, while the side panel has the power button, an aux-in port, a charging port and a USB port so you can charge your phone from the AcoustoShock’s 8,000 amp-hour lithium-ion battery. The AcoustoShock can charge a typical smartphone at least three times. The battery will also keep the AcoustoShock playing for up to

seven hours. It uses Bluetooth 4.0 and has a range of up to 33 feet. If you receive a call while your phone is paired to the AcoustoShock, it will allow you to take the call, acting as a speakerphone. You press the play-pause button on top to answer or hang up a call and use the built-in microphone to speak. When you’re done on the phone, the music continues automatically. Finally, to make carrying it a bit easier, there’s a retractable handle on one end. The AcoustoShock has two 2.75-inch-diameter drivers with a 3-by-2-inch subwoofer, and the sound is pretty good for a single speaker. I took the AcoustoShock to a family reunion last weekend where I was in charge of the music. I used it to stream music from a Bluetooth-enabled iPod, and it was loud and clear enough to provide background music for a very large meeting room. My wife is a preschool music teacher, and she uses Bluetooth speakers every day in her class. The AcoustoShock would be a good choice for her, as she can keep it playing all day on a charge. And if it gets knocked off a shelf, no harm done. ———————————————

ABOUT THE WRITER Jim Rossman writes for The Dallas Morning News. He may be reached at jrossman@dallasnews. com.

TURCOM ACOUSTOSHOCK WIRELESS BLUETOOTH SPEAKER PROS: Good sound, water-resistant and tough

New Price!

CONS: A bit heavy

$425,000

2950 Beech Drive Loveland, CO 80538 10

AT HOME

Kathryn Ford 303-324-3379

BOTTOM LINE: A solid performer, with good sound that will play all day

Reporter-Herald – AtHomeColorado.com

August 13-14, 2016

Your Place

A summer vacation guide to clean rugs

Life is better in Colorado. Find your home in Colorado here.

S EN

-12

T& SA -4 ENUN 1 P O S

2666 54th Ave, Greeley

Come see this unique property in the very desirable neighborhood of Highland Park West, backing to the park, no HOA! 5 bedrooms, 3 bathrooms and an over 1300 sq. ft. shop/garage! This is a must see! $485,000 | MLS #797093

Call Kristin Wernsman 970-412-4268 Kristin.Wernsman@remax.net

4349 Yarrow Ln, Johnstown

Wonderful ranch styled home on lrg lot in desirable Thompson Crossing. Superior std ﬁnishes & craftsmanship detail. 3 bed on main ﬂr, full bsmt w/9’ ceilings, family rm. 3-car garage. Front yard landscaping incl. $559,995 | MLS #779971

Listed by Tracy Wilson

I hope I’m not too late with this advice, because the children in these parts have been off from school for summer vacation since June. Because the kids may be around the house a little longer than usual each day this time of year, there is increased opportunity for things to get messier. The best, but more expensive, solution is to send them to sleepaway camp for several weeks. If that option isn’t available, however, Derek Niederquell of 1-800 Water Damage — a national firm in property restoration specializing in water, fire, and carpet cleaning — offers some tips for keeping your rugs in good shape.

GUM Let’s start with chewing gum in a plush carpet. Niederquell suggests applying a bag of ice directly over the affected area and allowing the gum to completely freeze. Once that has occurred, peel off the frozen substance using your hands or a dull butter knife.

DRINKS For Gatorade or soda, even red wine, Niederquell recommends blotting the stain using cold water and a August 13-14, 2016

clean white cloth. Once that has been done, apply a generous amount of salt to draw out the stain’s moisture and let it stand for a few hours. Afterward, discard the salt and vacuum the carpet, he said.

-2

1445 Antero Dr, Loveland

Beautifully updated 5 bd/3 ba ranch. Gorgeous kitchen w/SS appls, concrete counters, new cabinets & bamboo ﬂrs. Main ﬂr master w/updated master bath. Fin bsmt w/sep entrance, 3 bd, 3/4 bath & kitchenette. $449,000 | MLS #799655

Call Tamera Nelson

970-420-0040 TameraNelson@remax.net

T US

LIS

6844 Spanish Bay Dr, Windsor

By Alan J. Heavens, The Philadelphia Inquirer (TNS)

970-567-0907 Hosted by Randy Kessler 970-222-0118

T& SA -3 ENUN 1 P O S

For Gatorade or soda, even red wine, stains in a rug, blot the stain using cold water and a clean white cloth. (Fotolia)

S EN

Highland Meadows Patio Home. Every Detail & Amenity! 4 BD, 4 BA, on golf course with amazing views & private deck/patio. Designer features. Clubhouse tavern & dining, tennis, pool. A Must See!

6487 Crooked Stick Dr, Windsor

On Highland Meadows Golf Course. Beautiful, lock & leave 6244 sq. ft ranch walkout custom home. Lake & mtn views, 4 BD, 4 BA, 4+car. By Custom On Site Bldrs. No expense spared, no detail missed.

$597,600 | MLS #799420

$1,295,000 | MLS #788226

Coleen Ligotke

CALL/TEXT: 970-690-1732 Coleen@ColeenLigotke.com

1573 10th St SW, Loveland ATTENTION INVESTORS! Immaculate 4 BD,4 BA, 3 car, quality 2 story great location. Designer touches/SS appliances. Leased thru June 2017 $1750/month. $315,000 | MLS #799011

Coleen Ligotke

CALL/TEXT: 970-690-1732 Coleen@ColeenLigotke.com

GRASS For grass, Niederquell recommends vacuuming up any dry particles, then applying a detergent solution composed of warm water and dish soap. Let this treatment stand for five minutes and blot the rug dry with a clean cloth.

1954 Pikes Peak Dr, Loveland 3 Distinctive townhome plans to select from: 2 Main ﬂoor Master BR & a 2 story w/spacious living & kitchen areas. Reservations are now being accepted for the next phase of Seven Lakes Townhomes located at Pikes Peak Drive, 37th St & Boise Ave. From the low $300’s | MLS #788896

Call Mark Koentopp: 970-218-5183 Linda Koentopp: 222-4847 | Rick Koentopp: 222-4841

848 Terra View Cir, Fort Collins Meticulous 3+ br ranch style home with ﬁnished walkout basement on a beautiful 3/4 acre estate lot with a bright open ﬂoor plan. $787,000 | MLS #793953

2160 Country Club Pkwy, Johnstown Phenomenal custom ranch backing to the Mad Russian Golf Course oﬀers sweeping views of the Rocky Mountains! Luxurious 5 bed home, full of quality!

Call Terry Hassett 970-227-3059 Hassett@frii.com

$849,500 | MLS #794570

Call Ken Anderson or Amanda Weaver 970-226-3990

MUD If it rains and the kids respond by making mud pies and then stepping in them, Niederquell suggests letting the mud dry, then vacuuming up as much of it as possible. Once you have done that, Niederquell says, apply a mixture of warm water and vinegar using a clean white cloth, then blot it until all the liquid has been absorbed. ——— (Contact Alan J. Heavens at aheavens@phillynews.com or write him at The Philadelphia Inquirer, Box 8263, Philadelphia PA 19101. Volume prohibits individual replies.)

Thinking of buying?

R ICE

Talk to our loan oﬃcer with Home Mortgage Alliance to apply today!

5300 Norwood Ave, Loveland 4.97 acres. Horse property with large drive thru barn 5 stalls, 400 bale hay storage and immaculate ranch home with over 2100 Sq ft ﬁnished plus huge unf basement. Has historic stage shop and views!! $650,000 | MLS #792688

Call Marge ‘P’

970-213-1916 MargeP@remax.net

Herb Irvin

Mortgage Loan Originator NMLS #295248 125 S. Howes St, Ste 120 Fort Collins, CO 80521 970.692.8430 oﬃce 970.231.9590 mobile 844.841.6534 fax

hirvin@homemortgagealliance.com www.homemortgagealliance.com/hirvin Home Mortgage Alliance, LLC is a registered as a Colorado Mortgage Company and a sponsored originator authorized to broker FHA and VA loans. NMLS# 1137507. Home Mortgage Alliance, LLC is regulated by the Colorado Department of Real Estate, and oﬀers many loan products. Contact a Home Mortgage Alliance, LLC Representative to learn more. This is not a commitment to lend. Stearns Lending, Inc. is regulated by the Colorado Division of Real Estate. NMLS# 1854.

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REAL ESTATE TRANSACTIONS The following data is supplied by Colorado Weekly Homebuyers List Inc., 303-744-2020. Listed are the buyer, the property address, the seller and the amount. Berthoud • Leona Metcalfe — 504 First St., Donna Louise Zarbock, $55,000. • Garin and Ashley Daum — 921 N. Fourth St., Jerry and Suzanne Cooper, $272,000. • Colin Leslie — 117 Keep Circle, Antoni and Maria Machaczka, $285,000. • David Leonard — 307 E. Iowa Ave., Christopher and Karen Hulick, $310,000. • Adam and Marya Erdesky — 635 Mt Massive St., Jason and Jessica Plunkett, $375,000. • Jeffrey and Kathleen Mayger — 1507 S. County Road 23E, William and Patti Valasek, $615,000. • Julie Hanscome — 2909 Pheasant

Run, Terry and Karen Robuck, $729,900. Estes Park • Victoria Chasen — 1250 S. Saint Vrain Ave., Unit 3, Scott A. Kerr, $150,000. • Eric and Stacey Adams — 1010 S. Saint Vrain Ave., Unit B3, Richard and Sylvia Serpas, $154,500. • Randloph and Judith Sheldone — 1590 Raven Ave., Unit H, Robert and Carol Burns, $304,500. • Alice Ray — 219 Third St., Vernon Lyle Frantz Living Trust, $304,500. • Gregory and Claudia Bishop — 1590 Raven Ave., Unit C, Crystal Wille, $320,000. • Michael and Patricia Ryan — 2749 Aspen Lane, William and Wilma Hahn, $343,000. • Shawn and Brandon Thompson — 870 Elk Meadows Court, John H. Henry Revocable Trust, $350,000. • Adam and Sheena Bensman — 1085 Lexington Lane, Orion Development LLC, $478,000. • Ralph and Lois Pepino — 1180 Coyote Run, Jon and Theresa Sonstroem, $962,000.

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Fort Collins • Hannah and Vivian Berry — 1305 Kirkwood Drive, Apt. 103, Wayne S. Moyer, $150,000. • Kathryn Zwetzig — 1625 W. Elizabeth St., Apt. G4, Scott and Susanne McCarthy, $152,500. • Amy Salisbury — 1733 Azalea Drive, Apt. 3, Anthony M. Romero, $175,000. • Bryce Hediger — 4957 Fox Ridge Court, Stanley and Cathy Lawson, $183,500. • Stephen Escobar — 3565 Windmill Drive, Apt. E1, Joshua Barnes, $186,000. • Katie Keaimen — 3024 Ross Drive, Apt. C-21, Christopher and Miche Arseneau, $205,000. • Paige Dudley — 2629 Leisure Drive, Carol L. Echols, $206,500. • Kathleen Guilbert — 2702 Alan St., Ryan F. Null, $220,000. • John and Suzanne Suker — 2828 Silverplume Drive, Apt. M2, Carey Pritchard, $225,000. • Wendy Foster — 1609 Underhill Drive, Apt. 4, Margaret E. O’Rourke, $226,000. • Jerrie Lyndon — 2828 Silverplume Drive, Apt. O3, Ronna Edgett Underwood, $227,000. • Kriss and Maria Dellota — 1540 Adriel Court, Floyd Wernimont, $229,000. • Scott and Maggie Bednarik — 1601 Birmingham Drive, Corene and Gary Schwartz, $240,000. • Gloria Maphet — 1525 Hull St., Apt. B1, Meagan and Jason Smith, $248,500. • Erin Nagel — 6602 Avondale Road, Unit F, Fort Collins Habitat For Humanity, $250,000. • Troy and Joleen Zoller — 2900 Ross Drive, Apt. L33, Ashley and Eric Brown, $251,000. • John and Patricia Canonico — 2643 Sagebrush Drive, Richard Joey Dean III LLC, $255,000. • David Swartz — 813 Martinez St., Shannon S. Schultze, $255,000. • Edward and Kay Bowen — 1357 Armsley Court, Mary Crow, $256,000. • Greg and Naomi Roeder — 420 Wood St., Darren Homrighausen, $257,000. • Jodi and Daniel Pollack — 1637 Westbridge Drive, Unit A1, Lindsay M. Helzer, $257,100. • Calvin King — 4008 Bracadale Place, Erin L. Cavender, $271,000. • Michael Kellsy — 3632 Rockaway St., Kimberly and Jonat O’Neil,

Reporter-Herald – AtHomeColorado.com

$274,500. • Thomas and Julie Richards — 2173 Romney Ave., Brad E. Bailey, $275,000. • Gregory and Sarah Soffe — 3439 Bale Drive, Rolando and Eri Gomez Lopez, $275,000. • Doug Krebs — 2236 Karakul Drive, Holly Milne, $276,100. • Heather Neuwald — 4514 Seaway Circle, Sayed and Amanda Ahmed, $276,200. • Thomas and Katherine Farenbruch — 1531 Centennial Road, Greg Wagner, $286,500. • Bowdon and Lindsay Brumbelow — 2515 Thoreau Drive, Marc and Donne McKinley, $290,500. • Fred Damm — 918 Sitka St., Alan Stearns, $296,000. • Brittany Harris — 1915 Mackinac St., Melissa M. Smith, $303,500. • Joseph Smith — 4813 Springer Drive, Tawnya M. Snyder, $304,000. • Jerrie Lyndon — 4825 Overhill Drive, Joint Trust Karl H. Lucille S., $305,000. • Brent and Amy Schuster — 2124 Sandstone Drive, Alvin and Linda Gesick, $307,500. • James Ross — 408 N. Sherwood St., James R. Oakleaf, $308,000. • Rangel Capparelli — 1910 Daine Drive, Julie A. Knaus, $308,000. • Matthew and Hannah Little — 524 Mockorange Court, Susan and Josh Higgins, $310,000. • Mahmood and Sheida Azimisadjadi — 404 E. Drake Road, Donald Gifford, $310,000. • Daniel Rammer — 839 Elgin Court, Jerod and Jamie Hall, $310,000. • Megan Beierle — 2554 Lynnhaven Lane, Michael R. Morris, $310,000. • Stephen and Rachel Valdez — 2108 Sherwood Forest Court, Robert Carl Porter, $310,000. • Nicolas Koontz — 2100 County Road 54G, Major and Janice Boddicker, $312,600. • Bradley and Chrisitna Beauprez — 918 Wagonwheel Drive, Pamela A. Ryan Revocable Trust, $315,000. • Bruce Jenkins — 2429 Ridgecrest Road, Brian and Donna Simcoe, $316,000. • Daniel Seeber — 3525 Auntie Stone St., Unit 19, Andrea Brown, $320,000. • Jacob and Vida Hollander — 836 Mansﬁeld Drive, Aaron S. Arns, $320,000. August 13-14, 2016

• Wen Zhao — 854 Wagonwheel Drive, James and Lucille Bowen, $320,000. • Kathryn Moore — 2608 Quince Court, Ricardo and Diana Aparicio, $321,000. • Ranae Willer — 2814 Outrigger Way, Orel Properties LLC, $321,800. • Ranae Willer — 2756 Outrigger Way, Yizhak Investments LLC, $321,800. • Clint Gregor — 1224 Lynnwood Drive, Ryan J. McDermitt, $325,000. • Robert and Alisa Hicks — 2045 Manchester Drive, Alfred and Connie Rossi, $328,000. • Rachel Koch — 714 Campfire Drive, John T. Rogers, $329,000. • Scott Lebruska — 625 Bear Creek Drive, Greg and Terri Snyder, $329,900. • Janet Widdel — 900 Arbor Ave., Unit 26, Meighan E. Donnelly, $330,000. • Paul and Susan McPherson — 1615 Northbrook Court, Wade A. Norby, $330,000. • S. and Mary Copple — 4751 Pleasant Oak Drive, Unit B44, Triton At Mackenzie Place LLC, $331,600. • David and Dawn Kubicek — 1320 S. Bryan Ave., Troy and Joy Bauder, $332,000. • Christian Shimonkevitz — 2409 Thoreau Drive, Timothy and Am Erickson, $333,000. • Richard Lamonte — 408 Tulane Drive, Richard and Loretta Yabroff, $335,000. • Mary Crow — 4224 Warbler Drive, Josephine and William Bennett, $335,000. • Erin Reichert — 1827 Beamreach Place, Nathan and Michelle Brown, $340,000. • Samuel Davidson — 915 Maple St., Erin F. Hughes, $340,500. • Andre and Rachel Dozier — 409 Junco Court, Lisa Marie Mullenax, $345,000. • Ruben and Elida Lopez — 1314 Nassau Way, Daniel and Sally Daron, $347,500. • Christopher Dellenbach — 1841 Broadview Place, Heritage Student Housing LLC, $349,000. • Melina Dempsey — 822 Laporte Ave., Ryan W. Norwood, $350,000. • Patricia Muro — 7102 Woodglenn Lane, Matthew and Sabrina Richardson, $350,000. • Kurt Hotto — 1907 Creekwood August 13-14, 2016

Drive, Alan and Paula Widish, $350,100. • Hannah and Nicholas Eppley — 2721 Harvest Park Lane, David P. Martinez, $353,000. • Hailey and Robin Hibbard — 205 Del Clair Road, SFB Services Inc., $356,000. • Michael Morris — 3001 Rustic Court, Mike and Annjoy Cieslak, $360,000. • Scott Balman — 1405 W. Lake St., Brendon and Brendon Cameron, $360,000. • Chloe Petersen — 2133 Mainsail Drive, Glen and Danelle McCollum, $360,000. • James Paulson — 1325 Yount St., Nicholas Anthony Fisichelli, $370,000. • Kirk and Audrey Smith — 745 S. Summit View Drive, Donald and Ruth Horak, $375,000. • Kristin and Kelly Zersen — 3248 Eagle Drive, Rahrah Real Estate LLC, $375,000. • Vince and Carola Buelk — 1300 Silk Oak Drive, Bryan K. Brenning, $380,000. • Shane Martinez — 3731 Carrington Road, 2626 Marshfield LLC, $381,000. • $1,075,500. Greeley • Travis and Rockele Guthrie — 2519 15th Ave., Charles and Patricia Weston, $140,000. • Brian Parker — 3405 W. 16th St., Unit 80, Janet Kay Hockley, $140,000. • Renae Schmidt — 5551 29th St., Unit 3624, Sarah T. Allen, $155,000. • Susan Malmstadt — 1975 28th Ave., Unit 32, Brian K. Parker, $164,900. • Andrew Wallen — 307 17th Ave., Patricia and Timothy Hammond, $170,000. • John Jones — 2327 W. Sixth St., Christopher L. Ring Revocable Trust, $170,000. • Joseph Defranco — 2642 12th Ave., Jobie Wagner, $173,900. • Eugene Cook — 1726 11th St., Gary and Katherine Wardle, $180,000. • Miriam Hernandez — 1918 30th St. Road, Linda K. Welch, $183,000. • Lucas Jones — 1835 26th St., Steve and Annette Smith, $185,000. • Joseph and Kirstin Dobson — 2420 12th Ave., Brent and Jhovana Spencer, $190,500. Reporter-Herald

• Thomas Spitzer — 2829 W. 11th St. Road, Stephen C. Maddox, $200,000. • Stephanie Boggs — 812 44th Ave., Isaac and Dana Ortiz, $205,000. • Charles Chestnut — 1912 31st Ave., Leva L. Adams, $205,000. • George and Nancy Cline — 4923 Kiowa Drive, Matthew and Shannon Winter, $205,000. • Amy and James Abbott — 3133 21st Ave. Court, Richard and Charlotte Trapp, $207,000. • Leslie and Mary Matson — 1852 24th Ave. Court, Kristin and Weston Kurz, $210,000. • Jerry Hill — 1830 Delwood Ave., Lavina P. Elliott, $210,000. • Robert and Karen Perry — 1816 26th Ave. Place, Angel Velasquez, $210,000. • Eleazar Perez — 2935 19th St. Drive, Coniah Grigson, $212,000. • Cody Gordon — 4549 Kings Canyon Drive, Orrin D. Vanwyhe, $214,500. • Jess and Savannah Hammond — 616 E. 23rd St. Road, Pilar Rodriguez, $215,000. • Francisco Martinez — 2029 Buckeye Ave., Jose Alfredo Orozco, $219,000. • Kelly Cravens — 3324 19th St., Daniel J. Spitler, $219,000. • Matthew and Sue Rhine — 1429 23rd Ave. Court, Deanna L. Batt, $219,900. • Christopher and Megan Daniels — 1711 26th Ave. Court, Mahmoud M. Habayeb, $225,900. • Justin and Caitlin Christensen — 1709 30th Ave. Court, Kindra M. Miller, $228,000. • Aragorn Spaulding — 1416 14th Ave., Tanager Invest LLC, $230,000. • Kristin and Debra Swanson — 601 N. 30th Ave., Kristen R. Belanger, $235,000. • Earl Mcfarland — 6146 W. Eighth St., AMZ Constr. LLC, $240,000. • Tony and Leigh Marshlain — 3418 23rd St., Suzana Espinoza, $243,500. • Erika Valeriano — 4023 W. 15th St., Dick Family Trust, $251,000. • Barbara Nabb — 3822 W. 11th St., Unit 33, Nancy Lee Vinsonhaler, $260,000. • Jamie and Lynne Buck — 243 53rd Ave. Court, Manuel J. Perry, $262,500. • Paul Shadlich — 4322 W. 22nd St., Glenn and Lori Veenendaal, $263,000. – AtHomeColorado.com

• Shauna Stewart — 3044 41st Ave., Ryan and Linda Faurer, $275,000. • Nathan Fulks — 4918 W. Sixth St., Sherry S. Allen, $279,900. • Carrie and William Gerrish — 2110 23rd St., Darrel and Diane Buettner, $283,000. • Jesse and Jackie Cruz — 2113 74th Ave., William and Jenn Longacre, $290,000. • Ryan and Linda Faurer — 1129 103rd Ave., Jason and Verna Baird, $322,500. • Jerry and Jillian Clark — 6203 W. 15th St., Midtown Homes At Fox Run LLC, $328,600. • Guadalupe and Suzana Espinoza — 7905 W. 11th St. Road, Aspen View Homes LLC, $350,300. • Grant and Amy Letner — 8132 22nd St., Melody Homes Inc., $372,200. • John and Kathryn Borkert — 224 N. 54th Ave., Ronald and Susan Mearsha, $375,000. • Charles and Dorothy Elder — 6313 W. 13th St. Drive, Alliance Devl. LLC, $430,100. • Samantha and Thomas Zishka — 7506 19th St. Road, Robert and Tari Buse, $461,000. • Gregory and Jane Johnson — 4841 Pawnee Drive, Milton and Pamela Merrill, $500,000. Johnstown • Lance Pakrovsky — 2226 Podtburg Circle, Roger D. Beattie, $266,000. • Leopoldo Torralba — 439 La Costa Lane, Danielle and Jason Knudtson, $273,000. • Brian and Kristen Huenefeld — 344 Sandstone Drive, Darrin and Annalee Brooks, $280,000. • Carolyn and Tim Root — 508 Pebble Beach Ave., Even Keel Invest LLP, $280,000. • Aaron Ayers — 3812 Balsawood Lane, Joseph and Stacie Smith, $280,000. • Wesley Brown — 413 Hickory Lane, Robert Hylton, $282,000. • Stephen and Charity Carlson — 401 Fossil Drive, Curtis and Donna Farkas, $288,900. • Michael Thompson — 4424 Onyx Place, Timothy Joseph Marvin, $290,000. • James Longhurst — 3360 Bayberry Lane, Josh and Carly Bader, $295,000. • Jordan Newman — 3925 Hunterwood Lane, Melissa Jane Perera, $324,700. • Matthew Pettinger — 3750 Claycomb Lane, Rene Daigre, AT HOME 13

$325,000. • Manuel Perry — 1734 Wood Duck Drive, Paul and E. Lemke, $345,000. • Timothy Bowers — 3455 Sandlewood Lane, Oakwood Homes LLC, $348,400. • Aracely Olave — 4820 Silverwood Drive, MH 2013 LLC, $425,700. • Joseph Robertson — 4448 County Road 46, Marnette A. Grube, $505,000. Loveland • Jon Moorhead — 2926 Eighth St. SW, Ronald H. Gieck, $191,000. • Michaele Gilligan — 1534 Peacock Place, Christopher D. Gonzalez, $200,000. • Kate Pherson — 1526 Oak Creek Drive, Ismael and Cilina Chavez, $211,000. • Brian and Laura Burrill — 4114 Joni Lane, Marjorie J. Rigss, $240,000. • Thomas Mueller — 1265 Garfield Ave., Jennifer L. Shadymoreno, $243,000. • Spencer Johnson — 2406 Empire Ave., James R. Williams, $244,000. • Haakon Currie — 3070 Carney St., Aspen Homes Colorado Inc., $251,800. • Amber Smith — 150 Lori Drive, PJL Schuman Inc., $255,000. • Jeffrey Croner — 1228 S. Tyler Ave., David and Karlin Goggin, $258,000. • Kayleigh and Joshua Cunningham — 1977 Cheyenne Ave., Donna J. Yantis, $260,000. • Kara Smith — 4069 Georgetown Drive, Joshua Franklin, $260,500. • Lindy and Brett Tews — 782 Chalk Ave., Peter and Rebecca Champion, $265,000. • Larry Fisher — 1244 Baretta Drive, Marion L. Stevens, $270,000. • Gary and Raenette Hamann — 1404 Arikaree Drive, Christopher and Daniell Bowman, $275,000. • Jonathan Schmidt — 618 Adams Ave., Frederic Porter, $275,000. • Jacqueline and Michael Wade — 629 S. Empire Ave., Marvin and Vikki Thomson, $275,000. • Bruce Miller — 3919 Briar Drive, Rudy W. Clements, $279,000. • Robert and Jill Hirning — 4305 Roosevelt Ave., Fredrick and Cecelia Sanmartin, $280,000. • Franklin Borst — 1208 Martin Court, Florence C. Wanerus, $281,500. • Harrison and Lindsey Best — 1736 Sphene Place, Thomas M. Pamea K. 14

AT HOME

Boudreau Family, $282,500. • Carey Pritchard — 1752 Twin Lakes Circle, Ninglan Liao, $285,500. • Diane Neill — 1239 Centennial Drive, Rebecca L. Cass, $287,400. • Michael Roberts — 880 E. 23rd St., Gordon and Patricia Cromwell, $290,000. • Erika Villalobos — 195 Cardinal Ave., Edward and Karen Rubio, $290,000. • Julie and Patrick Estrada — 2162 Derby Hill Drive, Miguel and Erin Garcia, $299,000. • Greg and Angela Walter — 2186 Evergreen Place, Karolee and Stephen Long, $300,000. • James Needham — 3412 N. Franklin Ave., Diane M. Reiser, $300,000. • Linda Smoke — 1487 27th St. SW, Kathy F. McDonald, $302,000. • Jay Walford — 1004 Knobcone Place, Hawk Limited LLC, $305,000. • Adam Camargo — 4151 Glen Isle Court, Troy and Heather Boesch, $305,000. • Joshua and Rachel Franklin — 1235 Carlene Drive, Frances R. Soltis, $315,000. • William and Cheryl Stewart — 3425 Widefield Court, Geana L. Roehrig, $316,000. • Shellie Jones — 3943 E. County Road 14, Joseph D. Robertson, $316,000. • Michael Klamo — 2278 Sopris Circle, Beth Golden Revocable Trust, $320,000. • Brett Manges — 161 Vela Court, Century At Millennium LLC, $345,000. • Adam Luz — 1101 Cygnus Drive, Saint Aubyn Homes LLC, $349,900. • Eileen Vanbaren — 405 E. Seventh St., Stout Market, $352,000. • Nia Sithimorada — 4880 Laporte Ave., Joshua and Hailey Benz, $355,000. • Ross Fue — 1880 Bushnell Drive, David and Ashl Kasprzak, $360,000. • Jamie and Christianna Davis — 947 Antila Ave., Saint Aubyn Homes LLC, $360,000. • Matthew and Antigone Torres — 637 Mendocino Drive, Saint Aubyn Homes LLC, $361,000. • John and Patricia Cezniak — 6320 Tongass Ave., Melody Homes Inc., $364,800. • Derek and Julie Dorosz — 3739

•

• •

•

Larkspur Drive, Matthew and Jessica Anderson, $365,000. David and Christine Turnbow — 905 Volans Drive, Aspen View Homes LLC, $366,700. Claudine and Jimmie Ramsey — 3584 Parlin St., Frederick and Carol Burmont, $370,000. Brett and Jean Muheim — 183 Vela Court, Century At Millennium LLC, $380,000. Gerald and Patricia Wunderlich — 5210 Brandywine Drive, Mary Beth Davis, $380,000. Nathan and Mary Bedosky — 2912 Ariel Drive, Theron Trent Smyre, $405,000. Joshua and Rachel Vanhouten — 6342 Sablewood Drive, Michael and Lisa Mast, $411,000. Darrell and Sharene Beebe — 472 Osceola Drive, Thomas and Pamela Darrah, $415,000. Peter and Rebecca Champion — 6370 Ozark Ave., Saint Aubyn Homes LLC, $424,600. Ana Botero — 4272 Lyric Falls Drive, Tri Pointe Homes Inc., $433,400. Carrie and Jeffrey Johnson — 2964 Westminster Court, James and K. Culp, $438,000. Pamela and John Kaufman — 3576 Peruvian Torch Drive, Custom On Site Inc., $454,900. Shannon and Dennis Clark — 2454 Buffalo Mountain Court, Tri Pointe Homes Inc., $491,400. Shiloh and Michelle Hatcher — 3107 Bailey Court, Matthew and Lisa Robinson, $496,600. Jimmy and Cynthia Hall — 27570 Hopi Trail, Jeffrey and Karin Lawrence, $546,000. Scott Sullivan — 227 Meadowsweet Circle, Custom On Site Inc., $577,500. Jeffrey and Catherine Boettge — 6325 Seaside Drive, Frederick and Gail Whitford, $594,000. Chad and Kimberly Sailors — 1292 Crossing St., Myron and Candice Bucy, $599,000. Stephen and Katelin Goldberg — 1537 Spring Wagon Drive, Shawn and Kent Hanson, $600,000. William and Diane Misiak — 2572 Bluestem Willow Drive, Wonderland At Centerra LLC, $740,500. Windsor Brock and Bruce Bruce — 124 Beacon Way, Unit 3C, Anna B. Denne, $192,000. Richard Kasick — 2177 Cape Hatteras Drive, No. 26, Terry and

Reporter-Herald – AtHomeColorado.com

Mary Vancleave, $225,000. • Cheryl Schroeder — 2177 Cape Hatteras Drive, No. 26, Jerry Curtis Clark, $232,000. • Joel and Judith Guttormsen — 168 Calabria Drive, Robert and Michele Warner, $240,000. • Beau Miskimins — 1075 Fairfield Ave., Justin R. Cummings, $277,500. • Mark and Kristina Hoog — 514 Elm St., James A. Tatar, $290,000. • Mary Champa — 1592 Sorenson Drive, Richmond Am Homes Colo. Inc., $310,100. • Kenneth Kirchner — 1943 Cataluna Drive, Meritage Homes Colo. Inc., $359,400. • Aaron and Ashli Robertus — 1540 Sorenson Drive, Richmond Am Homes Colo. Inc., $399,900. • Seth and Susan Graham — 1555 Sorenson Drive, Richmond Am Homes Colo. Inc., $432,100. • Preston and Karen Arnold — 5642 Mid Pointe Drive, Reserve At Highpointe Estates, $432,400. • Miguel and Erin Garcia — 8119 Lighthouse Lane, Bryce and Audrey Kopperud, $442,800. • Rebecca and David Allsup — 8200 Cherry Blossom Drive, Bonnie and Richard Sutton, $525,000. • Francis and Meghann Lowery — 8291 Avalon Court, Heidi K. Pehkonen, $530,000. • Robert and Susan Myers — 429 Crystal Beach Drive, Harbor Walk Patio Homes LLC, $571,100. • Shawn Strohman — 309 Habitat Cove, Steven and Anita Bunten, $600,000. • Jane Elworthy — 1954 Kestrel Court, Bryan and Julie Kallenberger, $613,000. • Flint Mulder — 7830 Cherry Blossom Drive, DJ Design Build LLC, $654,000. • James and Jill Bauermeister — 6053 Woodcliffe Drive, Consuelo and Robert Herschbach, $655,000. • Rodney and Valarie Wilson — 5858 Crooked Stick Drive, Ridgeway Construction Services, $657,800. • Rene and Kirsten Daigre — 4480 Meadowlark Drive, Donald and Roni Ferraro, $667,900. • Leonard and Lori Lindholm — 7267 County Road 72, Doug and Sheryl Hitchens, $700,000. • Dean and Rebecca Williams — 6512 Sanctuary Drive, Sanctuary Lots LLC, $1,116,900. August 13-14, 2016

Real Estate place yoUr ad:

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Homes for Sale

FAIR HOUSING NOTICE All real estate advertising in this newspaper is subject to the Federal Fair Housing Law which makes it illegal to advertise a preference limitation or discrimination based on race, color, r e l i g i o n , s e x , handicap, familial status, or national origin, or an intention to make any such preferences, limitation or discrimination. This newspaper will not knowingly accept any advertising for real estate which is in violation of the law. Our readers are hereby informed that all dwellings advertised in this newspaper are available on an equal opportunity basis. To complain of discrimination, call The Colorado Civil Rights Office at 1-800-262-4845/ HUD at 1-800-669-9777.

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Homes for Rent

House For Rent! 1304 Finch St., Lvlnd. Lovely 3bd/2ba. 1324sq. ft. $1600/mo. (970) 663-6464 or (832) 567-0080.

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720-403-1586

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6001

Apartments for Rent

Looking for a Great, Female, Clean, Considerate, Fun & Positive, Person. Shared Living, Dining, Kitchen, Laundry, Large Yard, Deck & Internet. Great Neighbors. Avail 8/1. No Pets.1 Year Lease Required.

$650/month, utilities incl. 720-818-7239

Call Melissa Garcia, Broker, 303-823-0701 for info or appointment.

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FSBO 3BR 2BA Ranch: Ready for Move in. Built in 2004. Excellent Condition. 3,656 sq ft. Unfinished Basement. $595K FSBO. 5027 Brookside Drive, Broomfield, CO. Call or Text 720-925-8368

5009

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$100K-$550K. Contact Cher at

Pro Realty 970-302-9545 cheringdreams @comcast.net

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6014

Wanted to Rent

Professional looking for a small house with a big garage , close to downtown Loveland . No pets. 970-412-0163.

JOBS. WHEELS. HOMES. STUFF.

FIND IT. SELL IT. FAST. AUGUST 13, 2016

Reporter-Herald

AT HOME

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970.223.0700

A N E X C L U S I V E S E RV I C E O F T H E G R O U P, I N C . R E A L E S TAT E

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530 Deer Meadow, Loveland - Breathtaking views from this Tuscan Villa on Marianaâ&#x20AC;&#x2122;s 2nd Tee Box. Zero Maintenance exterior overlooking ponds and Devilâ&#x20AC;&#x2122;s Backbone. Entertain in the large kitchen, and formal dining room, and then relax at the loaded basement bar, theater, and game areas. 6 Bedrooms, 8 Bathrooms, 7124 sq. ft.

$401,454 MLS# 788805 Andrea Schaefer 290-3758

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4814 Silverwood Dr., Johnstown - Beautiful 3BD 3BA 3,212 sf ranch. Packed with upgrades including clerestory windows, central air, guest master in smart space, sills and aprons. Visit the model complex at 3619 Idlewood Ln.

403 Edgewood Ave., Johnstown - Desirable 5-bedroom ranch with full finished basement in the center of Johnstown. Fantastic cul-de-sac location with many upgrades. Open floor plan, vaulted ceilings, upgraded kitchen, new high efficiency windows, central vacuum system, new high efficiency furnace in 2012, improved attic insulation & the list goes on. Downstairs theatre room & upgraded guest bath! Spacious backyard is shaded by 50 ft trees. Park that special car or RV in the concrete fenced side yard.

SATURDAY 1-3 PM 125 Scenic Court - 3bd/3ba/3,459 SF Patio home! Mountain and Lake views! There are 2 fireplaces in the spacious home as well as a walk-out basment. This home is perfect for entertaining. Donâ&#x20AC;&#x2122;t miss this!

Andrea Schaefer 290-3758

SUNDAY 1-3 1657 Maiden Grass Dr., Loveland - Beautiful 2 story home with 5 bdrms (one on the main with full bath access) 4 baths, craft room, Huge heated garage complete with RV bay, over 1/3 acre lot meticulously landscaped.

$525,000 MLS# 798468 Cindy Kurtz 970-962-6832

$295,000 Alysha Melaragno 970-231-6015

$391,163 MLS# 780419

736 23rd Street S.W., Loveland - Great sweat equity opportunity with this 3 bed/3 bath ranch style home with a 2 car garage. New furnace, central A/C, carpeting and stamped concrete back patio/walk ways! Backs to farmland with views of Longs Peak. No HOA, RV parking allowed.

$255,000 Scott Mullen 970-690-8333

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SUNDAY 12-3

TUESDAY-SUNDAY 10-5 & MONDAY 1-5 TUESDAY-SUNDAY 10-5 & MONDAY 1-5 3402 Mountainwood Ln., Johnstown - Gorgeous 4BD 3BA 3,632 sq. ft. 2 story on large corner lot. Wonderful open floorplan with large kitchen, great room fireplace, A/C & bonus room. Please visit the model located at 3619 Idlewood Ln.

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$995,000 MLS# 796256 Matthew Dozier 970-213-4877

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SUNDAY 1-3 823 Rossum Dr., Loveland - Contemporary living w/well-planned layouts for ease of living & convenience. Understated elegance & unobstructed views of the Front Range, Big Thompson River & Mariana Butte golf course. Features; etched front doors at entry way, 5400 SF w/walkout lower level. Located on 1/3 acre.

$1,199,000 MLS# 795473

$680,000 MLS# 796835 Eric Hansen 970-342-3018

Nancy Walkowicz Robert Walkowicz 970-461-7136 970-481-6077

! " # " $ % % SATURDAY 1-3 6520 Trilby Road, Fort Collins - Custom built 6 bed, 6 bath home w/2 large offices, mud room w/shower & built in lockers, wrap around deck & covered patio! Upgraded kitchen w/hand-scraped hickory flooring & butlerâ&#x20AC;&#x2122;s panty. 7 car finished & heated garage w/8 foot pull through doors & Âž acre yard backs open space.

$950,000 MLS# 795721 Keith Huntsman 970-227-2779

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Reporter-Herald â&#x20AC;&#x201C; AtHomeColorado.com

August 13-14, 2016