Saturday Reporter-Herald October 23, 2010 E1
Real Estate Matters
www.homeandrealtyguide.com • Saturday, October 23, 2010 • Reporter-Herald
Cash for Clunkers a huge success
Appraisal problems kill chance at low interest rate ILYCE GLINK REAL ESTATE MATTERS
H
ome buyers and owners across the country are having appraisal problems. Some buyers are denied mortgages because the properties they want to purchase have been appraised for less than the agreed upon price. Many owners trying to refinance are being rejected because lower appraisals are eliminating the equity they need to qualify for new loans. I recently received a letter from a homeowner whose house appraised at $187,000 two years ago. Three weeks ago, the same property appraised for just $127,000. The homeowner wanted to refinance a first and second mortgage into a single primary loan. The owner is seven years into his first mortgage (a 15-year fixed rate mortgage at 5.375 percent), and four years into the second mortgage (a 15-year fixed rate loan at 7.84 percent) The homeowner still has enough equity to qualify, but the new loanto-value ratio is 81 percent, and the lender has offered a 30-year loan at 4.78 percent and wants to charge the borrower private mortgage insurance (PMI). I See Glink /Page E4
Inside this week’s Home & Real Estate
NoCo Air gives customers the chance to win $750 cash
T
he second Cash for Clunkers program through Northern Colorado Air is currently taking place after the great success of last year’s contest. Through Jan. 14, 2011, customers replacing their furnace will be eligible to win $750 cash if their furnace is the oldest the company replaces during the contest dates (Sept. 13, 2010-Jan. 14, 2011). The oldest furnace replaced during last year’s contest was built in 1956 and came from Emmanuel Baptist Church in Loveland. This is a great time to replace that old furnace. The combination of a $1,200 rebate on selected Lennox products, the federal tax credits of up to $1,500 and additional rebates through Excel Energy and the state of Colorado, customers have the opportunity to save up to $3,520 with the installation of a new heating or cooling system. Customers can further lower the cost of heating bills with the installation of a high efficiency home comfort system. But act soon; the Lennox rebate ends November 30, 2010. Ensure that existing heating and cooling systems are running at peak efficiency by signing up for Northern Colorado Air’s Planned Maintenance Program. Heating and cooling equip-
Real Estate Transactions Listings from Front Range properties recently sold
Page E2
Realtor of the Week Mark Koentopp Broker/Associate RE/MAX Alliance
Page E3
Director y
ment needs regular maintenance just like a car. The Planned Maintenance Program helps schedule same-day priority service so you have one less thing to worry about. The program includes a check and service of the cooling system in the spring, and heating system in the fall by NATE certified professionals. The Planned Maintenance Program means access to special products and a 10 percent discount on parts and labor, lower utility bills by achieving peak efficiency, extension of equipment life — overall peace of mind. Northern Colorado Air is a family owned and operated business established in 1992. The company has a Better Business Bureau A+ rating and is actively involved in the community, participating in City of Loveland’s Corn Roast Festival for the past five years. Celebrating and supporting the local community means taking care of customers. A loyal Northern Colorado network has kept business booming for Northern Colorado Air. To learn more about Northern Colorado Air’s Planned Maintenance Program, Cash for Clunkers program or answers to any of your heating and cooling questions, call 970-669-2055 or visit www.ncagriff.com.
RH Photo/Chuck Willet
Jeff Richard, General Manager of Northern Colorado Air, presents Pastor Bob Garner from Emmanuel Baptist Church of Loveland with a check for $750 as part of the company’s Cash for Clunkers program. The church won last year’s contest. The church’s furnace, built in 1956, was the oldest replaced during the contest.
W
hether you're moving into a newly constructed home or buying pre-owned, there are some things you should know about your heating and cooling system. How do you know if you have a viable, economic heating or cooling system, or an energy hog that will eat a hole in your budget? Look at the upgrades in HVAC equipment that you can purchase at time of design. NEW HOME HVAC INSTALLATION TIPS • Where will the thermostat be located? On an inside wall with plenty of air circulation is best. • Is there plenty of access space around your heater or air-conditioner? If they are behind a door, is there adequate ventilation? Can they draw air easily, or is their air intake impeded? • Are the systems equipped with insulated pipes? If not, is there easy access to drainage pans to avoid condensation build up that can lead to household mold and mildew affecting your indoor air quality? • Are your heating and cooling systems equipped with easy to locate filters that you can change? Dirty filters diminish your system's effectiveness and energy efficiency — and increase energy costs. • Make sure the heating and cooling systems you install are adequate for your home. One that's too small will strain and not heat or cool. One that’s too large won’t effectively remove moisture from “clammy air," even though it may cool faster. An oversized unit will just run up your energy bill. OLDER HOME HVAC SYSTEM TIPS • Ask to see maintenance bills. • Talk to contractors who worked on the system and ask them about its reliability. • Pay for a heating or cooling NATE Certified HVAC contractor to do a thorough check up of your entire system — just as you would if buying a used car. Have them evaluate the efficiency of the system, and you might save bigger bucks down the road.
RH Photo/Rhema Zlaten
Northern Colorado Air general manager Jeff Richard cleans and inspects a furnace for the fall.
Page E5 t w! redi o t N ax C n
Ac ral T s soo e d Fe
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d
It’s impossible to save too much money... $1,200 +$1,500 +$ 820
$3,520
Save up to 20% on utility bill
Rebate Tax Credit Utility Rebate Total Savings*
on a heating or cooling system,
but this is pretty close. *Offer expires 11/30/2010. Conditions apply
$89 Furnacee
43-317294
We service all brands 24/7
Check & Service
Find us the Oldest Furnace we pay you
$750
**
Cash for the Oldest Clunker **Valid with installation of a new furnace from NCA between 09/13/2010 and 01/14/2011
www.ncaGriff.com A+
“For Quality Service and Repair, Call Northern Colorado Air.”
669-2055
Saturday Reporter-Herald October 23, 2010 E2
H&RE Real Estate Transactions
Loveland • Larry & Kerry Erickson from Bachli Virginia M, 1560 Pennsylvania St, Loveland, $213,000, home • Adam Fleener from Beyer Jennifer, 1015 E 4th St, Loveland, $137,500, home • Stephanie Welter from Cathy J Doran Living Trust, 2114 Buffalo Mountain Pl, Loveland, $252,000, home • Mandakolotor Ganesh from Collyer Paul A & Jan L, 1331 Crabapple Dr, Loveland, $310,000, home • Randall Duncan from Conner William L & Laura M, 1567 E 5th St, Loveland, $161,000, home • Lars & Katherine Kemp from Custom Onsite Inc, 2903 Purgatory Creek Dr, Loveland, $453,600, home • Jesse & Judith Engel from Fannie Mae, 2034 Chancery Dr, Love-
land, $146,000, home • Kurt & Kristina Kuskie from Fleischli Kris, 6756 N County Road 13, Loveland, $275,000, home • John & Robin Labarbera from Gile Timothy J & Debra C, 1609 Melissa Dr, Loveland, $202,000, home • Patricia Roberts from Glen Homes Llc, 3448 Peruvian Torch Dr, Loveland, $374,000, home • Jack & Patsy Sullivan from Gonzales Andrew N & Dorothy J, 2339 Lawson Dr, Loveland, $237,500, home • John & Sharon Sorensen from Griffin Alvin R & Margaret Colleen, 4737 Sunvalley Dr, Loveland, $146,000, home • Bearly Llc from Highland Properties 3908 Llc, 5878 Pole Hill Rd, Loveland, $741,100, home • Salomon & Patty Tapia from Keenanharte Michelle M & Michael W, 915 Daphne Dr, Loveland, $164,000, home • James & Diana Stoll from Labarbera John J & Robin
D, 4543 Cole Dr, Loveland, $237,500, home • Teresa Mysyk from Lange James J & Jodi J, 1271 Haffner Ct, Loveland, $155,000, home • Kenneth & Kay Mjelde from Linton Lavonne E, 1100 Taft Ave Unit 25, Loveland, $164,000, condo • James & Catherine Lutz from Morey Kenneth L & Frederick L, 435 Clubhouse Ct, Loveland, $270,000, home • Connie Logsdon from Mullins Jason E, 1234 E 3rd St, Loveland, $139,000, home • Bruce Campbell from Reiber Wendy S & Ben J, 868 22nd St Sw, Loveland, $107,000, home • Margaret Spears from Schmidt Kent J, 510 Sundisk Dr, Loveland, $168,000, home • Kelly Scoville from Warner Kelly A, 2208 Arron Dr, Loveland, $187,000, home • John & Christine Dildine from Burgess Amy, 6018 N County Road Unit 27, Loveland, $325,000, condo
• Donald & Sharon Cox from Evans Nancy R, 1935 Halfmoon Cir, Loveland, $210,000, home • Ramona Perkins from Field Gregory W & Kimberlie S, 1510 Box Prairie Cir, Loveland, $194,000, home • Richard & Brenda Holder from Gillespie Daniel W & Janet A, 3225 Tabernash Dr, Loveland, $335,000, home • Heather Jensen from Klinger Danielle M, 737 Adams Ave, Loveland, $159,000, home • Matthew Warden from Lechtenberg Lawrence C, 1739 Ellen Ct, Loveland, $150,000, home • Harry & Stephanie Fulcher from Mcgill Anne K, 1835 Twin Lakes Cir, Loveland, $172,000, home • Peter & Linda Schoon from Advantage Bank, 4009 Via Del Oro Dr, Loveland, $110,000, home • Jonni Shaw from Bland Timothy Alan & Cheryl Lynn, 1644 Elizabeth Ct, Loveland, $125,000, home • Timothy Wallis
from Conroy Margie L, 1312 Walnut St, Loveland, $149,000, home • Laura Barnes from Fannie Mae, 892 Alexandria Dr, Loveland, $224,900, home • Robert Kittle from Gsaa Home Equity Trust 2006 2, 1716 Denver Ave, Loveland, $124,000, home • Everett & Marian Hoff from Miller Heather, 714 Lavastone Ave, Loveland, $193,000, home • Caleb & Linda Holcomb from Miller Tim L, 1312 Edwina Pl, Loveland, $140,000, home • Lois & Thomas Meitzler from Wacker Wilma & Wilma M, 5892 W County Road 12, Loveland, $497,000, home
• Craig Seaver from Balinski Terry M, 1655 Gray Hawk Ct, Estes Park, $272,000, home • Rmp LLC from Benz John, 2855 Eaglecliff Dr, Estes Park, $265,000, home • Cabin Llc from Cynthia A Forward Trust, 2201 High Dr, Estes Park, $250,000, home • Harold & Karen Irvine from Pawnee Meadows LLC, 1780 Gray Hawk Ct, Estes Park, $237,600, home
Call Today!
www.familymtgco.com
Berthoud
A+ + Rating g LMB100008492 Check the license status of your mortgage loan originator at http://www.dora.state.co.us/real-estate/index.htm
• Kenneth Lawless from Zak Raphael A & Susan C, 1090 7th St, Berthoud, $188,000, home
505 E. 4th St Loveland 970.203.0284
ABSOLUTE AUCTION (by order of Bankruptcy Court)
Estes Park
Friday, Nov. 12, 2010 • 11 A.M.
• Dp Lllp from Smith Donald S & Janet E, 800 Macgregor Ave Unit A56, Estes Park, $309,000, condo
Building Contents Auction will follow at 11:30 A.M.
DISPLAY ADVERTISING 669-5050 CLASSIFIED ADVERTISING 635-3650
July 2010
August 2010
Active Listings Previous Year Active Listings
1101 1095
1092 1086
1054 1074
Sold Listings
169
111
102
$234,000 $207,500
$238,000 $208,000
$192,000 $222,500
Average Days on the Market Previous Year ADOM
132 121
130 122
113 121
Year to Date Listings Sold Previous Year YTD Listing Sold
728 579
839 760
941 887
Monthly Volume Previous Year Monthly Volume
$47,395,158 $34,313,560
$32,486,983 $44,166,425
$25,128,272 $32,956,535
Mortgage rate update This week Last week Trend
30-year fixed
4.23%
4.25%
15-year fixed
3.62%
3.67%
5/1 ARM
3.17%
3.18%
OPEN HOUSE: Friday, Oct. 29th from 1 to 3 Friday, Nov. 5th – 2 to 4 p.m. 5.03 Acre Site • Improvements consist of 7 Stucco Buildings with a total of 85,357 sq. ft. including: 179 Dorm Rooms 3 Dining Halls Central Kitchen 4 Conference Rooms 5 Day Rooms, 22 Offices Shop Facilities
Opportunities for this property are as endless as your imagination! Formerly The Villa Assisted Living and adjacent to the UNC athletic fields.
For home and real estate advice, features and information, visit www.homeandrealtyguide.com Haa Haven’t talked to your agent in a while? We can change that! wwh 43 320983 43-320983
EDITORIAL INFORMATION 635-3656
1750 6th Avenue, Greeley, CO
June 2010
Median Sales Price Previous Year Median
Family Trust, 1600 Wapiti Cir Unit 53, Estes Park, $425,000, condo • Rebecca & Paul Beckingham from Trunnell Gary T, 2303 Aspen Brook Dr, Estes Park, $590,000, home • Melanie Huibregtse from Fannie Mae, 909 Riverside Dr, Estes Park, $118,000, home • Lori Greening from Us Bank, 974 Sutton Ln, Estes Park, $120,000, home
Your Local Family Mortgage Company. Here yesterday, today and tomorrow. Rates near all time lows John “Nose� Mortgages!
Regional Snapshot for Loveland/Berthoud Residential Home & Real Estate is produced every Saturday by the Loveland Daily Reporter-Herald.
• Willy & Marilyn Hammon from Schofer Karna K Kruckenberg, 1070 Camelot Ct, Estes Park, $275,000, home • Greg & Roxanne Vanskiver from Starr Revocable Trust, 271 Steamer Ct, Estes Park, $400,000, home • Francois Revocabl from Curtis D Pamela L Schock Revoc, 100 Ute Ln, Estes Park, $1,062,500, home • Gary & Janet Trunnell from Evans
Stta A. Fuller Agency Stacia 10th 10 0t & Lincoln, Loveland
Terms & Conditions: Sells ABSOLUTE to the Highest bidder for Cash with no contingencies for financing. Earnest money of $25,000.00 due auction day, balance upon date of closing no later than December 13, 2010. Packets with disclosures, maps and other pertinent information may be obtained from Kreps-Wiedeman (970) 356-3943 or Wheeler Management Group (970) 352-5860. See our web site for photos @ www.K-Wauctions.com.
Mineral rights now owned with this property will be sold separately. High bidder will be required to submit a $5,000.00 earnest money deposit with signed contract and close prior to December 13, 2010. Building Contents Auction at 11:30 a.m. – Desks, Credenzas, Bookcases, File Cabinets, Office Equipment, Tables, Lockers, Wooden Pews, 100’s of Steel Beds, Cafeteria Tables, Kitchen Appliances and Much More! See our website for listing or call for brochure.
Auctioneers & Real Estate
sfuller@amfam.com sf ful ull lle l er@ r@am @ m • 593-5620
970-356-3943 www.K-Wauctions.com
43-318574
Property p y off the Week
2028 Rodgers Court, Loveland
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Bedrooms: 4 Bathrooms: 2.5 Square Feet: 2,635 Price: $237,500 MLS #637332 On the Web: Visit www.2028Rodgers.com for a virtual tour
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This immaculate two-story home is lo located in Southwest Loveland. Main floor living with master and laundry on the main level. The home includes a threecar garage, a covered front porch, tiled entry and fenced yard. It backs to walking trails and a greenbelt. Also included are an unfinished basement for future expansion, a three-sided fireplace and a master suite with four-piece bath.
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44-320482
Real Estate Transactions are supplied by Prospects Unlimited Inc., 1151 Eagle Drive No. 467, Loveland, CO 80537, 667-1537.
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43-320660
Saturday Reporter-Herald October 23, 2010 E3
H&RE Realtor of the Week
H&RE Real Estate Albers elected CAR vice president REPORTER-HERALD
K
urt Albers, a broker associate with Century 21, Humpal, Inc. in Loveland, was recently elected the Northeast District Vice President for the Colorado Association of Realtors. CAR is an organization of Realtors that is focused on providing support to the real estate industr y. Albers will serve a one-year term, his first with the CAR organization, and said his efforts will be spent on supporting affordable housing, maintaining membership within CAR, helping with budgeting amid decreasing membership rates and providing CAR Realtors with support. “We protect the rights of the Realtors that we have and make sure that we allow them to con-
Meet
tinue doing business,” he said. “As Realtors, we have a code Kurt Albers of ethics and we abide by it,” he said. “That is very important to us.” One entity of CAR that Albers will be working toward is called the Housing Opportunity Foundation (CARHOF), which provides funds toward safe, affordable housing to the citizens of Colorado. CARHOF funding has recently been given to local organizations such as the Housing Authority of the City of Loveland. For more information, contact Albers at 970-231-1224 or e-mail kurtd57@msn.com.
Mark Koentopp many programs BROKER ASSOCIATE, RE/MAX ALLIANCE Location: 705 W. Eisenhower Blvd., Loveland and marketing materials availContact: 970-218-5183, mkoentopp@reable to assist max.net or www.homesincolorado.com him in helping his clients in sell Designations, Affiliations & Accolades: their home. LBAR Rookie of the Year 2004, LBAR member, Koentopp has Colorado Association of Realtors member, anbeen a resident of the Loveland area for almost nual contributor to Realtor for Kids, United 40 years and feels that this helps him serve his Way and PSF. clients in a multitude of ways. Koentopp’s willYears of experience: 7 ingness to listen to his clients’ needs in both selling and buying, he feels, helps his clients ark Koentopp has been in the real esachieve the best possible end results. Koentate business since 2003 and has retopp’s overall mission for his business is to cently joined RE/MAX Alliance in have fun helping people follow their real estate Loveland. Koentopp is excited to be working dreams. with a group that has over 20 offices up and Koentopp is married to his best friend, down the Front Range. Koentopp feels that by Alana. They have a miniature Schnauzer, joining RE/MAX, as a top franchise in the named Shelby, that goes everywhere with country, he is given the opportunity to join them. Koentopp and his wife enjoy spending forces with some of the top Realtors throughout the United States. Koentopp is also looking time with family, camping and all forms of moforward to having access to a large referral net- tor sports. Their favorite travel destinations include Mexico and the Caribbean. work for buyers moving into the area, and the
M
Open Houses This Weekend - www.thegroupinc.com THESE UNITS ARE LOADED!
LARGE CORNER LOT
FRIDAY-SUNDAY 1:00 - 4:00
SATURDAY 1:00 - 3:00
SATURDAY/SUNDAY 1:00 - 3:00
255 Carina Circle #104, Loveland - Granite counters, SS appl, wood flrs, vaulted ceilings, fireplace & full bsmnts. They are going fast! HOA covers water, sewer, trash, exterior maintenance & insurance, landscape & snow removal, cable, clubhouse, pool & hot tub.
SUNDAY 1:00 - 3:00
1049 Grant Avenue, Loveland - Wonderful old town ranch w/ 4 bd, 2 ba, & patrial basement. Oversized double garage on a beau ful corner 1/3 acre lot with 1,000 SF deck between house & garage. New carpet, paint & vinyl. Only a blk from park & lake Loveland. See this charmer today!
2472 Anemonie Court, Loveland - You’ll love this contemporary open flr plan on a cul-de-sac. 4bdrm, 3bth & 2-c garage. New carpet, front porch, covered pa o, le entry & gas log FP. Master bdrm offers 3/4 bth, walk-in closet & sliding door to the pa o. A/C, sprinkler system. Quiet neighborhood incl a park, walking path & a low HOA fee.
475 Lyra Place, Loveland - Luxurious owners’ suite with 5-piece bath & large walk-in closet. 2 a/c units. Vaulted ceilings, transom windows & decora ve pillars in this sharp 2 story. Alder cabinets in the spacious kitchen. Large yard has sprinkler system. Unfinished basement. Oversized 2 car garage. Enjoy the neighborhood pool, trails & clubhouse.
Priced From $151,000
$180,000
MLS#624039
$211,000
MLS#641581
$229,900
MLS#632438
MLS#632261
Call Georgena Arne 481-9801
Call Rich Gardiner 227-0964
Call Diana Luthi 481-2692
Call Jo Carney 310-1836 MARIANA BUTTE GOLF COURSE
SATURDAY/SUNDAY 12:00 - 5:00
SATURDAY/SUNDAY 1:00 - 3:00
SATURDAY 1:00 - 3:00
811 Brookedge Drive, Fort Collins - New pa o home floorplan! This home has 2 bedrooms plus a den and 2 full baths. 3-car garage, a/c, fp, large kitchen island, all appliances incl’d. Front & rear landscaping, rear yard fencing and covered back pa o. HOA includes lawn maint, snow & trash removal.
1529 Dryland Street, Loveland - Brand new ranch style floor plan being built at Ta Farms by Keirns Construc on! Buyer can choose their own colors and finishes!. Several other plans and lots to choose from! Call for details.
672 Split Rock Drive, Loveland - Spectacular lake views and private lake rights. Home features an open floor plan with a large main floor master suite and spa like bathroom. Finished walk out basement is gorgeous with a large rec room and spacious bedroom and bathroom. Home Owners Associa on manages all yard work and snow removal.
SATURDAY 1:00 - 3:00 530 Deer Meadow Drive, Loveland - Quality custom from Aus n Signature Homes. Enjoy the final opportunity for a lifestyle on Mariana Bu e Golf Course! Golf course lifestyle with no membership fees. Peaceful, quiet se ng with tranquil views that overlook golf course, water and the front range. Robert Walkowicz 377-4945.
$419,900
$899,000
MLS#639144
MLS#624979
$380,000 MLS#613863
MLS#634847
MLS#586010
Call Ma Thompson 443-9910
Call Stephanie Kirkland 679-8084
Call The Brent Team 556-5305
Call Cindy Ku n 391-4735
Call Nancy Walkowicz 461-7136
S 3
E
25
NW Corner of Wilson & 43rd St.
OPEN SAT & SUN 12-5
2
• 5 piece baths • 4 car garages • Privacy fencing • Ranch / 2-Stories • Energy Savings Guaranteed 4496 Hayler Avenue, Loveland 4403 Elliot Place, Loveland
43-318674
1
FROM THE $140’S* TO $350’S
56 287
3
970-532-5900
(*w/ qualifying special financing)
NEW NORTHERN COLORADO HOMES
2
E 37th St.
43-318661
E 29th St.
FROM THE $200’s TO THE $500’s
OPEN SATURDAY 10-5 AVAILABLE NOW!
The look of a $400,000 home in the $200’s Fantastic views of Longs Peak & Mt. Meeker from the 24 x 12 covered back patio, granite countertops, wood & tile floors, A/C, gas fireplace, 2 baths including 5 piece master, 3 bedrooms and unfinished basement - $298,664
4355 Ridgway Drive, Loveland
970-227-3893
Seven Lakes Dr. N. Madison Av.
W
Enchantment Ridge
US 287
N
1
43-320602
OPEN HOUSE SAT. & SUN. 1PM-4PM New Homes Priced in the Mid 200’s in Desirable le Seven Lakes Area 5 Piece Master Baths, Walk-in Closets, Air Conditioning, Garages, tioning 3 Car Garages Unfinished Basement, Lake Rights 4 Ranch Plans and a 2 Story with Main Floor Master to choose from
D.E. BURNS CONSTRUCTION Quality • Integrity • Experience • Reputation
970.669.8386
43-320580
$299,900
$291,227
SATURDAY 12:00 - 2:00 459 Cape Dory Drive, Loveland - Overlooks Boedecker Lake. 2 covered decks. Hickory floors on the main level, hickory cabinets, new SS appliances, slab granite counter tops, formal dining room & the kitchen opens to the vaulted family room w/ numerous windows & atrium door. Lo makes an ideal office/ play room. Daylight basement w/a full bath in progress.
Saturday Reporter-Herald October 23, 2010 E4
H&RE Real Estate Small projects add up to big appeal Fort Collins holds Landlord Education Series The series is a good place for landlords to share stories and ideas on dealing with difhe City of Fort Collins ferent issues that come up in Neighborhood Services the industry. Participants can earn eight will be holding a LandReal Estate Continuing Edulord Education Series this November. The two-day eight- cation credits. hour class is designed to help landlords operate successfully within the complex and ever- IF YOU GO changing Northern Colorado What: Landlord Education rental market, said the city in Series a press release. The City of Fort Collins beWhen: The class will take gan offering the series twice a place on Friday, November 5, year beginning in November 8:30 a.m.– 12:30 p.m. and of 2006 after the city saw a Friday, November 12, 8:30 need for it and landowners a.m.– 12:30 p.m. This is a were consistently interested two-part training. Attendees and available, said Ginny should plan to attend both Sawyer, Neighborhood Addays. ministrator. Where: 281 North College Topics covered in the upAve., Fort Collins coming series include presenCost: $20, confirmation tations from a property manwill be sent after payment ager, various attorneys dishas been received. cussing fair housing, the evicFor more information: tion process, leasing pracwww.fcgov.com/neighbortices; city staff on building hoodservices/ or reach Ginny codes and a brief section on Sawyer at 970-224-6070 crime prevention and safe properties, Sawyer said.
JENNIFER LEHMAN SPECIAL SECTIONS REPORTER
T
ing has seen better days -— but a new set is not an option -— form-fitted slipcovers are a quick, and generally low-cost, fix. Kids' rooms often can be improved with some n this economy, homeowners are watching evmuch-needed storage space. Clear up clutter from ery penny. Just because money is tight doesn't the floor by installing a closet organizing system, mean every renovation plan has to be cast which can hang clothes within reach for children. aside. Smaller projects can revitalize a room withOlder children may appreciate a room that reflects out a big investment. Homeowners who don't have much to spend still their maturity. Now is the time to change princess don't want to compromise quality with smaller im- prints for bolder graphics or dump trucks for sophistication. All it often takes is a little paint and provements. Therefore, they're often thinking of some new bed linens to achieve the look. big appeal, albeit on a smaller scale. For a dramatic change in a home with hardwood To get started, homeowners should look at the floors being hidden by carpeting, take the weekend rooms they use the most and begin there. What's to pull up the carpeting and reveal the floors bethe point of starting in a guest room or renovating neath. A little sanding and resealing is often all it the basement if it's rarely used? Put available funds takes to bring out the beauty of the wood. And that to work on the rooms that get seen. will instantly provide value while increasing aesFor example, the kitchen is a popular room in thetic appeal. many homes. If budget doesn't allow for a rehaul of Another simple and very inexpensive way to renoappliances or cabinetry, think about less expensive vate a home is to reduce. By removing clutter and ways to modify the space. A new faucet can give the items that are simply collecting dust, homeowners room a different look, as can replacing cabinet can breathe new life into spaces. Rearranging furhardware and hinges. Revitalize the appearance of niture is also another option. the room with new flooring, such as laminate that mimics the look of stone, wood or other natural surfaces. Change the accessories in a china hutch or hang some different artwork for an instant change. Bathroom makeovers are often high on the list of improvements. But many improvements can be budget-busters. Think about improvements that change what is disliked. Maybe outdated wallpaper can be removed and replaced with paint. Clean up the grout around a bathtub by redoing to freshen the room. Go with a new color scheme achieved by replacing the old linens, bath mat and shower curtain. Living room re-dos can be achieved with some accessory changes and perhaps a new piece of furniture. Change a glass coffee table for an earthy leather ottoman that can also store toys or throw pillows. A simple swap of window treatments can ThinkStock Photo dramatically change the look of the room. If seatMETRO CREATIVE SERVICES
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beat a bad appraisal. You can ask the lender to reappraise your property, but if you live in a neighborhood full of foreclosures and strategic defaults, it is going to From Page E-1 drive down the value of your home — and of all of the homes in the neighborhood. But his appraisal problems are about to The loan deal my correspondent was ofget worse. As he explained: “My neighbor, fered is a bad one all around: The lender is who bought his home in 2006 for offering to replace two 15-year loans with a $170,000 has decided to stop paying his new 30-year loan. The interest rate, while a mortgage because his house is now a liabilbit lower than what the homeowner is curity instead of an investment. His house is rently paying, is significantly higher than now appraised for $104,000. If the bank the 4.2 percent many homeowners with forecloses on him, that will make my prophigh credit scores and ample equity are erty value go down even more.” getting. My reader wants to move, but he can’t The only reason to take this deal is beget any equity out of his property because cause you simply can’t afford the two loan the appraisal is so low and local property payments you have. But over the term of a values keep dropping. He earns a good liv- new 30-year loan, you’ll pay tens of thouing and has a credit score of 780. He want- sands of dollars in additional interest over ed to know what he could do to improve keeping the two loans that you have. Payhis refinancing odds and beat the appraisal ing private mortgage insurance might even albatross. mitigate any savings you’d have, so this The problem is that you usually can’t new loan could be all pain and no gain.
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Unfortunately, there’s not much I can say in a situation where a neighbor is considering strategic default. For all the grumbling about how we’re “bailing out homeowners,” I’d think that every homeowner who doesn’t want to see his or her equity disappear should welcome every opportunity to keep homeowners in their properties, paying their mortgages. The appraisal problem will continue for some time to come. The Home Valuation Code of Conduct (HVCC) rules, which govern what appraisers can and cannot do when appraising property, have recently been rewritten. Many of the details are yet to be known, but hopefully the new rules will make appraisals friendlier to homeowners located in communities with a large number of foreclosures or strategic defaults. If this is happening in your community, you can help out by being neighborly and encouraging homeowners to feel that the neighborhood still brings value to every
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family that lives there. Maybe you can help your neighbor try for a loan modification, or perhaps the homeowner will be able to arrange a short sale. Either option is better for the rest of the neighborhood than another strategic default or foreclosure. As values decline, more borrowers that can walk from their mortgages may do so. We can only hope that lenders see this situation as a downward spiral and work with as many borrowers as possible to keep them in their homes and keep neighborhoods vibrant with at least stable pricing. That will certainly help the so-called appraisal problem. Unfortunately, it seems that lenders these days aren’t very willing to work with borrowers on their home loan modifications. Some lenders are making short sales difficult for their borrowers. And lenders as a group appear willing to continue with a wait and see attitude while the housing market continues to slide or bounce along the bottom.
Time to Get Your Own Place?
$200,000 - $299,999 PRICE REDUCED TO $277,500
Begin your search at homeandrealtyguide.com your online and print real estate source. 3402 Red Maple Court
927 Buffalo Ct, Longmont
8313 Peakview Street, Fort Collins
Updated Ranch w/attached 3-car garage! 3bd, 2ba, new tile, carpet, paint & fresh new feel. Master bdrm has 3/4 bath. Covered east side patio. RV/boat parking. No HOA dues! MLS #640718. $195,000.
Lots of square footage in this 4Bd, 2Ba home. 2 car garage. Needs a little TLC, near schools, park and bus line. Great backyard patio. Playhouse and shed stay. MLS# 641407 $179,900
Mountain Range Shadows. Move-in ready, 4 bed, 3 ba, tri-level with walk-out basement. Newly painted and cleaned for quick close. MLS# 637552 $164,000
Jim Chance The Group, Inc. Real Estate 970-388-4261 jchance@thegroupinc.com www.thegroupinc.com/3402
Marta Loachamin Century 21 Humpal, Inc. marta@century21.com 720-323-5089
Kurt Albers Century 21 Humpal, Inc. 970-231-1224 kurtd57@msn.com www.allcoloradohomes.com
500 1st St-Berthoud
FOR SA LE
3 BD, 2 BA cab and h Ranch, new kit ard bsmt, big wood flrs. Unfin bach yard privacy fe , spklrs, nce. $210,000
Vintage 2-story Victorian built in 1906! 4BD, 2BA, 3284sf plus 1115sf attic w/ high ceilings & turret for extra living space. House sits on .57acres. Excellent commercial potential!
Marian Maggi 970-290-0908 marian@berthoudrealestate.com www.berthoudrealestate.com
$200,000 - $299,999 OPEN SATURDAY 1-3
OPEN SATURDAY 1-3
PRICE REDUCED!
OPEN HOUSE SAT. 2 TO 5
PRICE REDUCED-$289,000
1125 Sandra
1813 Del Norte
4629 N Franklin Avenue
Mirasol Senior Community 1294 Inca Dove Cir. - Loveland
920 Bunyan Ave-Berthoud
Enjoy 4 bedrooms + den/5th bedroom, open living room, formal dining, kitchen with pantry and breakfast area. Finished basement w/ large 4th bedroom, great landscaping, patio, 3-car garage.
Location, Location, Location! All brick ranch, fireplace, 4 bed/3 bath, great fenced yard, oversized garage. RV/Boat parking, quick closing ok. Visit www.1813delnorte.com
3 bed/3 bath home on a beautifully landscaped corner lot! Newer stainless steel appl., roof & paint. Hot tub room & sunroom. Large family room and oversized garage. MLS#634133 $214,900
2 bedroom, 2 bath ranch in lovely senior community. Model home with many extras! All stainless steel appliances included. $280K Madison & Finch St., look for flags! Office open wkdays 8-5.
Custom-built 3410sf, 3BD, 3BA stone & cedar 2-story home on a .24 acre landscaped lot that backs to Roberts Lake! Huge master suite w/sitting area & bath! Views of the lake from the huge sunroom!
Dominic East Timberline Partners, Inc 970-412-7743 DominicE@TimberlinePartnersInc.com www.TimberlinePartnersInc.com
Dominic East Timberline Partners, Inc 970-412-7743 DominicE@TimberlinePartnersInc.com www.TimberlinePartnersInc.com
Steve Baker Sears Real Estate 970-302-0879/970-330-7700 stevebakerrealestate.com
Mirasol Senior Community Mirasol Sales Team 970-635-5931 airwi@lovelandhsg.org www.mirasolseniorcommunity.com
Marian Maggi 970-290-0908 marian@berthoudrealestate.com www.berthoudrealestate.com
$300,000 - $399,000
$400,000 - $499,000
$500,000 +
LAND FOR SALE
OPEN HOUSE SATURDAY 1PM-3PM
OPEN SUNDAY 1:00-4:00 PM
PRICE REDUCED-$529,000
OPEN - SAT & SUN 11AM-2PM
531 Spindrift Ct, Fort Collins
604 Cove Drive
1610 Celeste Ln.-Loveland
Warberg Farm at Chapman Reservoir
Lake views! 4Bd, 4Ba Remodeled kitchen. Appliances included. Oak Floors on main level. Lake access, pool and tennis courts included in HOA. MLS#639575 $327,000
Immaculate ranch w/finished walkout to Boedecker Lake. Gourmet kitchen w/ Thermador appl & Sub-Zero fridge, lg granite slab island. Main floor living, 3-car garage, new Trex deck. MLS#6406
Stunning 5836sf, 4BD, 5BA 2-story home on 4.42 acres. Finest finishes throughout, gourmet kitchen, walk-out bsmt, private guest suite & much more! Beautiful patios, balconies & decks w/gorgeous views.
OPEN Saturday and Sunday 11AM-2PM. 2+Acre Lake front & horse lots starting $199,000. Surface rights, walk paths, parks, boatdocks, fishing and peace garden.
Nancy Baxter Prudential Rocky Mountain, REALTORS 970-231-7700, Nancy@NancyBaxter.com www.nancybaxter.com
Gary Maggi 970-692-2002 gary@berthoudrealestate.com www.berthoudrealestate.com
Visit our website at homeandrealtyguide.com
43-318366
Marta Loachamin Century 21 Humpal, Inc. marta@century21.com 720-323-5089
Kurt Albers Century 21 Humpal, Inc. 970-231-1224 kurtd57@msn.com www.allcoloradohomes.com
Online + Print = a Powerful Combination!
Saturday Reporter-Herald October 23, 2010 E5
H&RE Featured Home Plan
Midsize contemporary home The Lander offers gathering spaces and lots of light
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In the living room, a direct-vent gas fireplace provides warmth and color. Alternately, the home could be built with a fireplace that burns wood and has a chimney. Bookcases are on one side and a home entertainment center is on the other. If a home office is needed, the front bedroom is an excellent location. Owners' suite amenities include a deep walk-in closet and a private bathroom with a double vanity. Laundry appliances are nearby in a utility room outfitted with plenty of cupboard space, shelves and a handy counter for folding clothes and linens. For a review plan, including scaled floor plans, elevations, section and artist's conception, send $25 to Associated Designs, 1100 Jacobs Dr., Eugene, OR 97402. Please specify the Lander 30-225 and include a return address when ordering. A catalog featuring more than 550 home plans is available for $15. For more information call (800) 6340123, or visit our website at www.AssociatedDesigns.com.
43-320764
he Lander is a midsize contemporary home with a window-bright cluster of large, open gathering spaces filling the entire left side. Designed for construction on land that slopes to the rear, this single-level plan can easily be adapted for construction on a flat lot as well. Entering, you step into a vaulted entry which opens into a vaulted dining room and living room. A wide bay window expands the sense of spaciousness in the dining room, while more windows and a glass door offer views of the landscape behind the house. No matter where you are in the kitchen, you can keep tabs on activities inside and out. Corner windows in front of the sink allow you to look out over the street. Working at the counters or range, you can observe and interact with family or friends in the dining room or living room. The eating bar also serves to keep folks who just want to chat out of the way of the cooks. The Lander's dining room has a built-in hutch and buffet.
saturday PRICE
LOCATION
OFFICE
PHONE
140’S-220’S SE LOVELAND
BOISE VILLAGE NO., ¼ MI. SO. OF HWY 34 10-6 ON N BOISE AVE., 1899 E. 11TH
MIDTOWN HOMES
970-456-4600
$149,900*
NW LOVELAND
43RD & WILSON AVE. THE COTTAGES AT 12-5 ENCHANTMENT RIDGE
THE COTTAGE REALTY 970-532-5900
$151,000
SE LOVELAND
255 CARINA CIRCLE #104
1-4
THE GROUP, INC.
$169,900*
NW LOVELAND
4403 ELLIOT PL
12-5
THE COTTAGE REALTY 970-532-5900
$180,000
SW LOVELAND
1049 GRANT AVE
1-3
THE GROUP, INC.
970-227-0964
$209,900
NW LOVELAND
1813 DEL NORTE
1-3
TIMBERLINE PARTNERS, INC
970-412-7743
$211,000
SW LOVELAND
2472 ANEMONIE CT
1-3
THE GROUP, INC.
970-481-2692
$227,900
NW LOVELAND
4496 HAYLER AVE
12-5
THE COTTAGE REALTY 970-532-5900
$240,000
JOHNSTOWNMILLIKEN
1-3
TIMBERLINE PARTNERS, INC
970-412-7743
1-4
BURNS CONSTRUCTION
970-669-8386
STARTING AT NE LOVELAND THE $250’S
ADDRESS
1125 SANDRA DR 1563 LA JARA ST./LAKES POINT
HRS
sunday
970-481-9801
PRICE
LOCATION
ADDRESS
HRS
OFFICE
PHONE
970-456-4600
140’S-220’S SE LOVELAND
BOISE VILLAGE NO., ¼ MI. SO. OF HWY 34 10-6 ON N BOISE AVE., 1899 E. 11TH
MIDTOWN HOMES
$149,900*
NW LOVELAND
43RD & WILSON AVE. THE COTTAGES AT ENCHANTMENT RIDGE
12-5
THE COTTAGE REALTY 970-532-5900
$151,000
SE LOVELAND
255 CARINA CIRCLE #104
1-4
THE GROUP, INC.
$169,900*
NW LOVELAND
4403 ELLIOT PLACE
12-5
THE COTTAGE REALTY 970-532-5900
$211,000
SW LOVELAND
2472 ANEMONIE CT
1-3
THE GROUP, INC.
$227,900
NW LOVELAND
4496 HAYLER AVE
12-5
THE COTTAGE REALTY 970-532-5900
$229,900
SE LOVELAND
475 LYRA PLACE
1-3
THE GROUP, INC.
970-310-1836
$239,900
SE LOVELAND
1212 E 7TH ST
12-2
THE GROUP, INC.
970-481-9340
970-481-9801
970-481-2692
$280,000
SE LOVELAND
1294 INCA DOVE CIR
2-5
MIRASOL MARKETING 970-635-5931 GROUP
$291,227
FORT COLLINS
811 BROOKEDGE DR
12-5
THE GROUP, INC.
$298,664
NW LOVELAND
4355 RIDGWAY DR
2-5
THE COTTAGE REALTY 970-532-5900
$299,900
NW LOVELAND
1529 DRYLAND ST
1-3
THE GROUP, INC.
970-679-8084
STARTING AT NE LOVELAND THE $250’S
1563 LA JARA ST./LAKES POINT
1-4
BURNS CONSTRUCTION970-669-8386
$342,500
SW LOVELAND
¼ MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION
12-4
GLEN MARKETING TEAM, ERA
970-663-4522
$291,227
FORT COLLINS
811 BROOKEDGE DR
12-5
THE GROUP, INC.
970-443-9910
$379,000
BERTHOUD
1705 EXETER
1-4
COLDWELL BANKER
970-667-2707
$299,900
NW LOVELAND
1529 DRYLAND ST
1-3
THE GROUP, INC.
970-679-8084
$389,750
SW LOVELAND
975 PRISM CACTUS CIRCLE
12-4
GLEN MARKETING TEAM, ERA
970-663-4522 $342,500
SW LOVELAND
¼ MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION
12-4
GLEN MARKETING
970-663-4522
$389,750
SW LOVELAND
975 PRISM CACTUS CIRCLE
12-4
GLEN MARKETING TEAM, ERA
970-663-4522
970-443-9910
$409,900
NW LOVELAND
1580 TENNESSEE ST
1-4
RE/MAX ALLIANCE
970-217-4112
$410,000
SW LOVELAND
672 SPLIT ROCK DR
1-3
THE GROUP, INC.
970-556-5305
$419,900
SW LOVELAND
459 CAPE DORY DR
12-2
THE GROUP, INC.
970-391-4735
$899,000
SW LOVELAND
530 DEER MEADOW DR
1-3
THE GROUP, INC.
970-461-7136
To add a listing or speak to an advertising representative, call the Reporter-Herald at 669-5050
For details about these open houses, see the ads in this section. For additional open house listings, please check the “Real Estate Classifieds” section of this publication. This guide is brought to you by the Daily Reporter-Herald, local real estate agents and area builders.
WWW.HOMEANDREALTYGUIDE.COM •CLICK ON
OPEN HOUSE MAPS
Saturday Reporter-Herald October 23, 2010 E6
H&RE Front Range Gardening
Ghoulish Garlic
There’s still time to plant garlic in Colorado defense, planting bulbs that give these ghouls nightmares. The one, sure way to keep a bloodsucker at bay hey’re everywhere, is with garlic, a belief that filling books, airmight have sprung from waves, and cable the Romanian tradition of shows with their toothcrushing and smearing some tales. Seductive, beautiful and irresistible, garlic on everything from they’re a perfect example doors and windows to livestock horns to repel disof how good public relaease. A known antibacteritions can take the dead and turn them into super- al, garlic is also shown to help prevent blood clots, stars. If you’ve been anywhere near pop culture re- some cancers, and reduce cholesterol. cently, you know the nation’s been bitten with While wearing braided vampire fever. bulbs is certainly a fashion statement, the Romanians And if you’re anything knew that to get the most like my monster-purist son, you’re probably wish- from garlic, you have to break the clove. Garlic ing these sparkling, softholds two compounds, alhearted, new-age-fiend liin and alliinase, in differwannabes would grow a pair of fangs and start act- ent cells and you don’t get the pungent, sulfurous flaing like the archfiends vor of garlic until the cells they’re supposed to be. are damaged, allowing the Yet if they do return to two to mingle. The prodtheir bad boy roots, gardeners will be ready for uct they create is allicin,
CAROL O'MEARA CSU EXTENSION, LARIMER COUNTY
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To place an ad, call 970-635-3650 or go to www.ReporterHerald.com/classifieds and place your ad any time of the day or night. Fax: 970-635-3677…email: classifieds@reporter-herald.com
Apartments/ Duplexes Unfurnished 4030
4060 Houses
Foothills Apts FALL MOVE-IN SPECIALS 2 Bdrm Apartment Homes ● Includes Washer & Dryer ● Park-Like Setting ● Garages Available
1913 W. 15th St. 970-669-7850 - Sorry no pets
Apartments/ Furnished 4010 ALL BILLS PAID!!! 1 BDRM/studio, Downtown Loveland. $500-$550/mo. Call 970-391-0834
3 BD or 2 BD- Free rent! Pets nego. Quiet & spac. $645-$795. 970-223-1349
LUXURIOUS UPSCALE Kitchenettes. Weekly, APARTMENTS monthly rates. Util. pd. STUDIO, 1, 2, & 3 Satellite TV, laundry rm. BEDROOMS- Pool, hot tub, 970-663-0400 24 hr. fitness center, business center, coffee shop, salon, pizza & deli. OPEN HOUSE, Mon-Fri 9am-6pm, Sat. 10am-5pm. 325 E. 5th St., Loveland. 1-888-822-9346 1 BDRM, 558 W. 10th, $495/mo. end unit, NICE! Call rmpm.com 669-0842 $595- 2306 S. Colorado #D. 2 bdrm,1.5 bath 4-plex,W/D 1 BDRM @ 755 N. Monroe- hkups,quiet. 720-936-1854. $495/mo, utils pd. No smk/ pets. $475/dep. 970-667-3353 Lrg 2 BDRM, no pets. $575/ mo, wtr/sewer pd. 1717 N Cheyenne Ave. #19 & #12. 2 BDRM, 1.5 ba, hkups, $800/mo, wtr/sewer pd. Faith Property 970-377-1626 1842 E 17th St, Faith Property 970-377-1626
Apartments/ Unfurnished 4030
2 BDRM- 1716 E. 16th, $525/ mo. 2-story, large rooms. Call rmpm.com 669-0842
Commercial Industrial 4040
2 BDRM, 1 BA, bsmt apt, hkups, 1705 1/2 E 8th St, $725/mo Faith Property 970-377-1626
3000 SF SHOP, office, 2 ba, 3 lg doors, 2 hoists, lots of prkg, $1750/mo, 339 8th SE, Loveland . 970-308-1775
2 BDRM, 1 BA, lg kitchen, lndry on site, water/ sewer/ trash paid. 1125 Gard Pl #1 $575/mo, Faith Property 970-377-1626
Condos/ Townhouses 4050
2 BDRM, 1 bath, heat, water & sewer paid. New carpet. No smoke/pets. $600, (970)667-0365
2 BDRM- 4715 Hahns Peak, $895/mo. NICE! Call rmpm.com 669-0842
2 BDRM 1 BATH, new windows, D/W, ONLY $595. Luxury 2 bdrm, 2 bath, Call 970-226-5600 A/C, gar, den, W/D avail, FTCRENT.com greenbelt view. $895/mo. 970-686-2728 2 BDRM- 2288 Colorado $595. New carpet/paint. Call rmpm.com 669-0842
Duplexes 2 BDRM, $650 + elec, free heat & basic cable, clean, pantry. No pets. Coin-op. 970-663-6787 or 970-430-0859
4060
2 BDRM- 1305.5 E. 16th $795/mo, fin bsmt, 1 car Call rmpm.com 669-0842
2 BDRM/1 ba, DW, air, W/D hookups. Incl lawn care, water, sewer. Near McKee. VERY NICE! N/Pets. $800, 970-461-0075 2 BDRM, 909 W 5th, gar $630/mo + dep. No pets/smoke. RENTED IN ONE DAY!
2 BDRM, 1 ba, frplc, A/C, w/1 car attached garage. $700/mo + dep. Available immed. (970)231-4585
3 BED IN North Loveland Upstairs unit in 4-plex 1.5 baths Washer/Dryer hookups, off street parking. $675 2 BDRM- 410 22nd, $795. + deposit. No pets. Call Unf bsmt, 1 car, newer crpt Georgia - Kosmos R.E. Call rmpm.com 669-0842 970-667-8347
4080 Rooms For Rent
$950/mo + dep & HOA fee 2 bdrm/2 ba patio home, 2 car gar, no pets, 311 Victoria, Berthoud 970-532-2652
COUNTRY duplex, 2 bdrm, 1 ba, animals OK, on CR 13. $850 inc utils. RENTED IN 2 DAYS!
Garages/Storage Spaces 4070
Loveland
5110
4130
Fully furnished large rooms in Lvld. Laundry, A/C, cable, all util. incl. $325/mo. (970)227-1585
$99 MOVE IN SPECIAL 3 bdrm, 1.5 ba, located in Milliken. $995, 970-310-3855 Large furn room inc utils, phone, cable TV, kitchen, lndry. $380/mo. 970-622-0077 Berthoud Patio Home with upgrades, fully furnished, 2 bdrm, 2 1/2 ba, 2 car gar, W/D, A/C, N/P, N/S, $1,100/mo + $1,100 deposit. Call 303-776-0333 or e-mail Fully Furnished Hair Salon & office spaces, utilities to ttherapyctr@aol.com. included. 970-613-1477
Retail Space 4135
A picture is worth a thousand words Try a classified picture ad! Call for details
970-635-3650
BANK OWNED, HUD & VA www.Foreclosures N.W. Loveland-Patio Home Hair Salon Booth Rentals InLoveland.com 1 CAR GARAGE- $95/mo. in Harvest Gold subdivision & office spaces, utilities to request a copy of the list! Great for storage. included. 970-613-1477 3 bedrooms, 2 baths, Julie Stinson RE/MAX rmpm.com. 970-669-0842 central air, fireplace Alliance 970-622-1809 & 2 car garage. Clean & in excellent NEW At Foreclosed Prices COMMERCIAL SHOPcondition. Quiet location, Boise Village North $795/mo. 1600 Sq Ft. full unfinished basement Homes $149k-$219k rmpm.com. 970-669-0842 for storage. Snow shoveling (970) 456-4600 and mowing included in 1899 E 11th St, Loveland HOA dues paid by owner. STORAGE 20 x 40 No pets/ smoking. $1,300 Responsible older male with 14´ overhead door. $325/mo. Call (970)481-5899 per month. Available now. needs small farmhouse to 970-667-7224 or 307-262-7235 rent w/ facilities for 2 mini. donkeys. Mike 303-746-7028 Warehouse 2304 sf, 12´ ohead dr. 634 Railroad. $700/ mo 970-667-9983 or 290-3876 OWN your own home for what you pay in Rent! Lowest rates, $0 - $1000 Down Free Prequalification. ✭ MOBILE HOMES ✭ Western Plains Realty BUYING/SELLING Ken or Tammy Local park needs used mob 970-663-5008 homes. We´re buying! Big Sale! Many single & dbl wides. Fin avl, auto approval on owner fin homes. EQUAL HOUSING Bad credit OK! Moves avl. 970-222-1473 To ensure you receive OPPORTUNITY ✭ 690-2725 or 690-3283 ✭ the best response to your All real estate advertisement, please advertised in this check your ad the first paper is subject to the 14´X70´ in adult park, day of publication. federal and state Fair very good condition, 3 We regret we cannot be Housing Act which bedroom, 2 bath, hot responsible for more makes it illegal to tub, appliances. Asking than one day´s incorrect advertise “any $33,500. 1351 Sylmar insertion. Billing preference, limitation Park. 970-667-5868. inquiries can be or discrimination initiated within 30 days based on race, color, of ad expiration. religion, sex, handicap, 3 Bedroom, 1 3/4 baths, familial status or 55+, carport, 2 storage national origin, or an sheds, immaculate inside & intention to make any Exceptional property for out, drive by 221 W. 57th, such preference, living, business or both. Lot A-9. 303-682-1919. limitation, or 1268 N. Cleveland Ave. discrimination.” Call (970)420-3495 The newspaper will not knowingly accept any advertising for ✭ 2 BEDROOM HOMES ✭ ~ HORSE PROPERTY ~ real estate which is in $575 to $650 + dep. 5 bdrm, 4 ba ~ 5000 sq ft violation of the law. West Hwy 34. Pets nego. on 1.5 acre ~ Johnstown. All persons are hereby Se Habla Espanol $275K SS informed that all 970-685-8573 Western Plains Realty dwellings advertised Ken or Tammy 2 ACRE LOT, Berthoud are available on an (970)663-5008 area, $40K price reduction, equal opportunity basis. NEW HOMES REDUCED! $125,000. Call Steve Conder for details, 303-514-3706. Don´t miss out on this SAVINGS EVENT! Easy approval, quick closings & 1111 Taft Ave affordable payments. Large home 1.75 ba, full fin Tax ID´s welcome. Limited bsmt, 1 car gar. $975 Estate Builder 970-667-3400 availability ACT NOW!! Call 970-420-8488 *wac BANK OWNED2 BDRM Farm House, Tri-Lvl, 3 bdrm, 3 bath w/ 1 BA, ofc, fncd. $850/mo + bsmt. New floor coverings, utils/dep. Lvld, 720-641-9775 int paint & appliances. $174,900. Re/Max Alliance, 2 BDRM with bsmt, 2 car Wanda Quaid, 970-481-3033 gar, W/D hookup. 5 Namaqua Ct. $1000/mo. Downtown corner loc, bldg No cat/smoker. 970-667-3353 w/ 3 ofcs/recept area. 4 car prkg. $1000/mo 970-667-5145 NEW 4 car ranch, 5 pc bath, 3 bdrm, 2 ba, A/C, reporterherald.com 3 BDRM- 1143 SE 2nd, $895. frpl, stone ext. $268,450 ✓ 1/2 MONTH FREE Cottage Realty 970-532-5900 Call rmpm.com 669-0842
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3 BDRM, 2 BA, 2 car gar, hot tub, unfin bsmt, newer home, SW Loveland. OWN bdrm & bath, share $1350+dep. 970-987-2632 house, smoking & pet OK. 411 E 12 ST ✭ MLS 637797 $400/mo. (970)635-2703 3 BDRM, w/bsmt, A/C, $124,900, ranch 3 bed, new carpet in West Lvld. 2 bath, 1067sqft, Share house in Loveland. 24x16 workshop. Call Rob ✭ 2 BDRM Mobile home, 3 BDRM, 2 ba, gar,W/D $1000/mo. w/12 month $550, rent includes utils. hkps, $700. No pets/smk. 2 lease & sec dep. Pets on M/F 30 yrs+, $700 inc utils. (970) 481-2133 N/P, smk OK. (970)461-1405 At Home Real Estate Co Estate Builder 970-667-3400 Birkley Ct Lvld 970-667-3353 appr. (970)685-8573
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which researchers credit this giant a cook’s garden with the most health ben- favorite. For best size, efits. plant these three inches deep. Leave the clove whole, and allicin isn’t created; Plant now, while we still the garlic is mild, nutty, have four to six weeks beand well behaved. Chop or fore the ground freezes, in crush it, and the allicin a sunny spot with well activates, imbuing the air drained soil. Plant only with the odiferous tang the largest cloves, saving that vampires, and lovers, the smaller ones for eatfind offensive. ing. Push cloves root end Garlic thrives in Coldown, one to two inches orado, and if you want to into the soil, about six grow your own protection inches apart. from vampires, there’s Mulch to keep the soil still time to pop some in moist and prevent heaving the ground if you act during winter. Water the quickly. Because grocery garlic if we’re having a dry store garlic might be spell in winter, then plan treated with a growth into harvest in mid-summer, hibitor, purchase garlic for after foliage browns and planting from garden cen- dies back. Cure in a dry, ters or on-line suppliers. warm, dark, airy place for Softneck garlic (Allium a few weeks, then cut sativum var sativum) has a stalks one inch above the soft, flexible stem at the bulb for storage. top of the bulb that makes If you didn’t grow garlic it THE choice for braiding and still want to keep the into ropes and necklaces vampires off your neck, for warding off vampires. don’t worry. According to Commonly sold in grocery legend, they’re also comstores, they grow readily. pulsive counters, stopping Hardneck garlic to tally anything in their (Allium sativum var way. An old trick is to ophioscorodon) produces strew millet or poppy a curled, flowering stem, seeds around, so that the called a scape, which vampire spends the night eventually turns woody. counting until dawn arRich with flavor, they have rives and it’s forced to refewer, but larger, easy-toturn to the grave. peel cloves. Use hardnecks Read more gardening early; they don’t store as tips on my blog at garlong. deningafterfive.wordpress Elephant garlic (Allium .com. ampeloprasum) won’t help protect you from Carol O’Meara is with Dracula and CSU Extension in his fiends beBoulder County. cause it’s Contact her at more of a 303-678-6238 or leek than garcomeara@co lic. But the .boulder.co.us. big cloves and subtle Front Range Gardening flavor make
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