Real Estate Guide

Saturday Reporter-Herald October 2, 2010 E1

Real Estate Matters

www.homeandrealtyguide.com • Saturday, October 2, 2010 • Reporter-Herald

Medicaid may put assets at risk

Oakwood Homes’ Dream Loan at 2.25 percent

ILYCE GLINK AND SAMUEL J. TAMKIN TRIBUNE MEDIA SERVICES

Q

uestion: My boyfriend’s father recently had a stroke.

He is unable to write or speak. My question is regarding his home.

In the father’s will, he left his home to my boyfriend. But I’m wondering what’s going to happen now. I was told that Medicaid can take the home for payment since his father is probably going to have to live in an assisted living facility.

Is this true? What should we do about this?

Answer: When a person has little or no money to pay for medical care and assisted living facilities, Medicaid picks up the costs for that care. But when a person has assets and a means to pay for his or her medical expenses, the government expects that person to use up his or her money first. When his or her assets have been exhausted, then Medicaid picks up the rest of the costs.

If your boyfriend’s father ends up requiring prolonged care, his assets will be at risk, including the home.

There are a couple of things that you should keep in mind: First, if your boyfriend’s father is the sole owner of the property and the home is worth a significant amount of cash and has lots of equity, the government may require whoever is now managing your boyfriend’s father’s affairs to sell the property and use the funds to pay for his care.

If the home has a mortgage, or if it has little equity value, or if it is co-owned with the man’s wife or someone else, the government might not force the sale. In this case, the government might put a lien on the property for the cost that it incurs for medical care.

When the home is sold, the government will get paid off from the proceeds, and what is left will go to the heirs.

If, however, your boyfriend’s father and his wife or partner own the home jointly, Medicaid may not require the sale of the home to force the spouse or partner out of the home. If the father were to die, the home should pass automatically to his spouse or partner and bypass any Medicaid issues.

You should also know that you can’t just transfer the home to a relative and expect the government not to care.

If necessary, Medicaid will perform a sort of audit on your I See GLINK/Page E3

Photos special to the RH

Monthly payments lower than rent

payments at $1,269/month; with Oakwood’s promotion, you’ll only be paying $1,060 (includes taxes and insurance). Included in this home are three bedrooms, two-and-one-half baths, fireplace, spa bath in master, upgraded floorRH PAID ADVERTORIAL ing and countertops and so much more. eople still looking Not only can you get to buy a home can this amazing rate to help score big with the monthly costs, but record low interest rates through Oakwood’s proin the market today. Oak- motion you can also pick wood Homes’ models in an item from a list of Thompson River Ranch choices to include in your are adding to the appeal home for free. From closwith a Dream Loan of ing costs to a spa bath their own. Current marand more, the choice is ket rates may be low, but yours since it is your a rate of 2.25 percent home. Whether you’d like through Oakwood to personalize your own Homes’ Dream Loan pro- home from the ground up motion changes everyor jump into a quick thing. Check out the move-in home, this promodels this weekend and motion is available with take advantage of this any home by Oakwood promotion before it’s too Homes. If time is a factor late. in finding a home, these quick move-in homes may You can own a new home in Thompson River be the perfect fit.

Ranch for $999/month, Families looking for a which could be lower bit more space have plenthan what you’re paying ty of choices as well. Anfor rent ... and that’s not other quick move-in opat Oakwood’s Dream tion is a Turner model. At Loan rate. One quick $207,046, this 1,676 move-in home, which is square-foot home inavailable immediately, is a cludes three bedrooms, very popular Gilpin mod- two-and-one-half baths, el priced at $193,843. full unfinished basement, Current rates will put bonus room, and fire-

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place just to list a few of its features. Of course, with Oakwood’s 2.25 percent Dream Loan, payments go from $1,355/month down to $1,132/month — you won’t find anything close to this in the market today.

For more information on Oakwood Homes’ Dream Loan and homes in Thompson River Ranch, contact Mike Welty or Tina Shearon at 970-669-9801. You can tour the models this weekend from 10 a.m.-6 p.m. To get there: from I25 take Highway 34 eastbound, take your first right at Thompson Pkwy.,

then right at Ronald Reagan Blvd. which brings you to the Frontage Road.

Turn left on the Frontage Road and you won’t miss the entrance to the community.

Visit www.HomesPeople Love.com for additional information.

funds are available. Monthly payment example before Dream Loan are calculated from a base price with a FHA 30 year fixed rate loan of 4.25 percent. All payments include FHA loan with 3.5 percent down and include principal, interest, taxes and insurance. Rates may change or not be available at the time of loan commitment, Available to qualified buyers on move in and dirt start lock-in or closing if funds are home between September 16, exhausted. 2/1 buydown funds may also be used to 2010 and October 15, 2010 when buyer(s) use financing buy down fixed interest rates. Offers, incentives and with an Oakwood Homes seller contributions are Preferred Lender. Dream subject to certain terms, conLoan is based on a 2/1 ditions and restrictions. buydown with the first 12 months at 2.25 percent; sec- Oakwood Homes reserves ond year at 3.25 percent and the right to change or years 3 - 30 at 4.25 percent. withdraw any offer at any Dream Loan examples based time. See Sales Associate for more details. on 2.25 percent. Limited

Inside this week’s Home & Real Estate

NoCo Real Estate Conference

Real Estate Transactions

Realtor of the Week

ECRC presents market update

Listings from Front Range properties recently sold

Don A. Riedel, Broker Associate/ Partner, The Group, Inc.

Director y

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Saturday Reporter-Herald October 2, 2010 E2

H&RE Real Estate EREC reports reduced month’s supply in region quarter last year. Much of that gain is due to the tax credit incentive from the government, Gerhard said. “First half 2010 versus first half ome encouraging news came out of the Northern Colorado 2009, a number of closings increased in all market areas in ColReal Estate Conference Rendezvous on Sept. 23. The Everitt Re- orado in the first half,� Gerhard said. “The greatest increase in total al Estate Center at CSU unveiled statistics regarding the marketplace number of closings for a given market was in that Fort Collins/Timnath trends for regions in Northern Colmarket, up about 26 percent, and orado. then we had a 33 percent increase in While average home prices and the Boulder/Gunbarrel area. homes sold to date are up only “The tax credit had a very signifislightly from 2009, month’s supply cant impact on the market, and of inventory has decreased signifiwe’re probably going to end the year cantly. slightly ahead of where we were last The EREC’s John Gerhard, along year, but I don’t think we’ll get up as with Sriram Villupuram, Ph.D, outlined year over year differences in av- far as we did in 2009,� he said.

When comparing closings from Juerage home prices, total closings by region and market inventory trends. ly 1 through Sept. 22, the region is down about 26 percent year over In terms of first quarter closing trends in the Loveland/Berthoud re- year. “I just don’t think from the last gion, closings were up this year at 549 from 448 during the first few months that we’re going to hit

JADE CODY SPECIAL SECTIONS EDITOR

S

that performance that we had in the last half of 2009,� Gerhard said.

On the positive side, total listings and total month’s supply for most regions in Northern Colorado during the second quarter decreased as compared to those in the second quarter 2009. “I think the good news is that we do show some strength returning to the market,� he said.

Month’s supply for Loveland/Berthoud is down to 6.7 months for the second quarter this year as compared to 11.4 months last year at this time.

Gerhard said he tends to put more weight on month’s supply than a particular region’s inventory, because inventory is more meaningful if it is expressed in relation to homes being sold. “If inventory is not expressed as a function of demand, it means nothing to me. Inventory may have doubled, but sales also might have quadrupled, meaning the month’s supply actually went down in that market area.�

The current inventory decline in Northern Colorado is a good indicator of market stability, he said.

Relief may come for short sellers NATIONAL ASSOCIATION OF REALTORS

H

omeowners who are underwater with their mortgage may find that relief is on the way from a bill strongly supported by the National Association of Realtors that would impose a deadline on lenders to respond to short-sale requests.

The legislation, H.R. 6133, “Prompt Decision for Qualification of Short Sale Act of 2010,� was offered in Congress by U.S. Reps. Robert Andrews (D-N.J.) and Tom Rooney (R-Fla.). The bill would require lenders to respond to consumer short sale requests within 45 days.

The number of potential short sale properties is rising across the country. According to NAR data, in the second quarter of 2010, Nevada, California, Florida and Arizona are states where significant shares of all properties on the market are potential short sales: 32 percent, 28 percent, 27 percent and 24 percent, respectively. “Unfortunately, homeowners who need to execute a short sale are severely hampered because lenders (loan servicers) are unable to decide whether to approve a short sale within a reasonable amount of time,� said said NAR President Vicki Cox Golder. “Potential homebuyers are walking away from purchasing short sale property because the lender has taken many months and still not responded to their request for an approval of a proposed short sale price.�

H&RE Real Estate Transactions Real Estate Transactions are supplied by Prospects Unlimited Inc., 1151 Eagle Drive No. 467, Loveland, CO 80537, 667-1537.

Loveland • Allen Ginsborg from 454 Lindsay LLC, 3423 Mountain Lion Dr, Loveland, $467,700, home • Dale Kooienga from Fannie Mae, 500 E 50th St, Loveland, $147,000, home • Scott Rine from Fannie Mae, 857 Scotch Elm Dr, Loveland, $180,000, home • Jeffrey & Jeri Newton from Fannie Mae, 2021 Bear Creek Pl, Loveland, $175,000, home

• Steven & Barrie Harms from Timber Wind Land LLC, 5461 Standing Cloud Dr, Loveland, $148,000, home • Thomas Emmerling from Us Bank, 1840 Axial Dr, Loveland, $112,000, home • James & Jill Wedding from Aspen Homes Colorado Inc, 4421 Hayler Ave, Loveland, $267,300, home • John Baker from Baker Gary L, 2125 W County Road 14, Loveland, $385,000, home • Mike & Alex Lynch from Home State Bank, 337 E 4th St, Loveland, $299,500, home • Cody & Emily Mooney from Hsbc

OPEN HOUSE

Bank USA, 926 S Dotsero Dr, Loveland, $132,000, home • Brittany Johnson from Capps Victor T & Michele A, 534 E 42nd St, Loveland, $165,000, home • Casey Harrington from Lmt 2006 3 Trust Fund, 2950 Hidden Valley Dr, Loveland, $800,000, home • Iryna Pankova from Miller Desiree, 665 Vera Ct, Loveland, $105,000, home • Jacob & Donna Greenmeyer from Minor James E & Michelle, 3853 Buena Vista Dr, Loveland, $196,800, home • John Jenkins from Christensen Nicole R & Sherry L, 426 Radi-

ant Dr, Loveland, $150,000, home • Thomas & Julie Hoffman from Federal Home Ln Mortgage Corp, 4901 Ranch Acres Dr, Loveland, $234,900, home • Michael & Deborah Benewich from Greenpoint Mortgage Funding In, 4062 Don Fox Cir, Loveland, $209,900, home • Dawn Bigler from Loveland Midtown Development I, 1762 E 9th St, Loveland, $174,900, home • Jeff James from Oak Valley Homes LLC, 255 Carina Cir Unit 104, Loveland, $125,000, condo • Shelby Sherman from Poe Dewey C &

21769 WCR 15

SATURDAY & SUNDAY 1-4PM 866 Vitala Drive • Fort Collins 40-320457

Gated, active adult neighborhood - Sunflower; 2 BR, 2 BA, 1140 sq. ft., fully remodeled. Incl. clubhouse, community events, large fenced back yard. Low maintenance, fun, quiet, and secure. $98,500 Call for buyer incentive.

481-3903

$357,400 www.CR15johnstown.com 1.1 acres, updated 3032 sf farmhouse, 2 car detached garage, 40’x60’ heated/cooled shop, full Front Range mountain views, about 1 mile south of Johnstown.

(970) 690-3951

40-320651

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Twila, 1718 Van Buren Ave, Loveland, $170,000, home â&#x20AC;˘ Mattie Carey from Stonier George R & Marilyn Joan, 1113 N Jefferson Ave, Loveland, $132,000, home â&#x20AC;˘ Joshua & Christi Skow from Vandenburg Perry & Heidi, 3934 Poudre Dr, Loveland, $395,000, home

condo â&#x20AC;˘ Ronald & Grace Hojnacki from Harms Steven C & Barrie S, 1034 Pine Knoll Dr, Estes Park, $796,000, home

Johnstown

â&#x20AC;˘ Opal Skinner from Tj Bldr Inc, 1815 Suntide Dr, Johnstown, $218,500, home â&#x20AC;˘ Eleazar Villalba Berthoud from Ryland Group â&#x20AC;˘ Matthew Jaye from Inc, 2720 S Muscovey Ln, Johnstown, Wood Wally M, 2253 Weld County Road 46, $234,900, home Berthoud, $300,000, â&#x20AC;˘ Keith & Michelle home Kennedy from Schares Christopher K & Suzy, â&#x20AC;˘ Kelly & David Abbott from Young Terry 4325 Onyx Pl, John& Paula, 22540 County stown, $186,000, home Road 3, Berthoud, $477,500, home â&#x20AC;˘ Ronald & Sharon Sheets from Shatting James V & Anne M, Estes Park â&#x20AC;˘ John & Diane Hupf 4360 Fruita Dr, Loveland, $357,000, home from Blandin Alvin L, â&#x20AC;˘ Celine Knoll from 1111 Pine Ln, Estes Park, $350,000, home Velasquez Shannon, 1878 Piney River Dr, â&#x20AC;˘ Brian & Darlene Brown from Deutsche Loveland, $204,000, Bank National Trust C, home â&#x20AC;˘ Pamela Mccrory 551 Ponderosa Dr, Estes Park, $175,100, from West Regan A, 1967 Harvard Pl, Lovehome land, $236,000, home â&#x20AC;˘ Peter & Linda Sommer from Precht Tom A & Kathy J, 1776 Milliken Olympian Ln Unit A, â&#x20AC;˘ Kelly & Lynn Estes Park, $164,000, Dean from Fannie

Mae, 602 Traildust Dr, Milliken, $195,000, home

Windsor â&#x20AC;˘ William & Sarah Yeagle from Howard Jessica A, 36656 Brian Ave, Windsor, $430,000, home â&#x20AC;˘ Michael Schmitt from Huber David S, 533 Whitney Bay, Windsor, $600,000, home â&#x20AC;˘ Patrick & C Wright from Noffsinger Brigham L, 108 Cobble Dr, Windsor, $280,000, home â&#x20AC;˘ Jam Invest from Smith Glenn H & Kathleen M, 629 Ash St, Windsor, $146,500, home â&#x20AC;˘ George Gordon from Bk New York Mellon, 457 Sundance Dr, Windsor, $206,000, home â&#x20AC;˘ Mary Reed from Maestas Martie, 790 2nd St, Windsor, $151,500, home â&#x20AC;˘ Jbs LLC from Sastre Marcio & Angelica, 1647 W Ridge Dr, Windsor, $431,000, home

Saturday Reporter-Herald October 2, 2010 E3

H&RE Property of the Week

H&RE Realtor of the Week Meet Don

A. Riedel

BROKER ASSOCIATE/PARTNER THE GROUP, INC. Location: 1401 W. 29th St., Loveland

with Riedel as the managing broker. After building that franchise to a successful 15 agents, he sold his interest to his partContact: 970-679ner and joined the 8265, driedel@ Group, Inc. Realtors thegroupinc.com, as a Partner/Broker www.RiedelGroup Associate in 2006. .com Riedel served on the Loveland City Designations, AfCouncil from 1984 to filiations & Acco1986 and served lades: Certified Resi- full time to support Loveland as its Mayor dential Specialist, his family and attend from 1986 to 1989.

Graduate of the Real college full time. AfDuring his term, the Estate Institute, Cer- ter graduation, he Downtown Civic Centified Relocation Pro- moved his young famter was started and fessional, CDPE (Cer- ily to Boulder for the then dedicated on tified Distressed same reasons many the last day of his Property Expert), Na- other people have term as Mayor. tional Association of moved here, the cliHe is celebrating Realtors, Lovemate, the mountains land/Berthoud Asso- and the great people. his 35th year as a Loveland Realtor this ciation of Realtors Riedel moved to year. He has helped Loveland in 1971 literally generations on Riedel when he was named of families in their grew up in home sale and purWisconsin on Asst. Vice President chase, and his greata dairy farm. He grad- of Empire Savings est joy is to work with uated from Wisconsin and Loan. After four State University-Eau years, he opened Her- people in repeat puritage Realtors in chases. Many homeClaire in 1968 with 1975. In 2000, owners have come to degrees in business Riedel, along with rely on Riedel’s sage and psychology. He advice in their purworked for WEAU-TV, Gene Vaughan, an NBC affiliate, as a opened RE/MAX First chase and sale of real Associates/Loveland estate. television director

D

1925 Park Drive, Loveland Price: $299,995 Built in: 1999 Square feet: 2,774 Bedrooms: Six Bathrooms: Four Contact: Call David Powell of RE/MAX Alliance at 970-481-5015 or visit www.1925Park.com for a virtual tour.

T

his spacious six-bedroom home, located close to lakes, a park and city bike trails, includes a large master suite with a five-piece master bathroom featuring heated tiled flooring. It also has a huge Trex deck in the back yard which is ideal for entertaining. There is upgraded lighting throughout the home, a main floor office/study, wood flooring, surround sound, a front porch and newer exterior paint. As a bonus, there are no HOA fees with the home.

For more information or a tour of this fantastic home, call RE/MAX Alliance at 970-6221836.

Regional Snapshot for Loveland/Berthoud Residential

N

W

S 3

1

E

25

OPEN SAT & SUN 12-5 Available Homes:

• 4 BR, 3 BA, 2 car - $190,565* LD SO D • 3 BR, 3 BA, 2 car L S O - $198,156* • 3 BR, 5 pc bath, 3 car, D O- L 3400SSF $279,685 • 3 BR, 2 BA, granite - $298, 664 4496 Hayler Avenue, Loveland 4403 Elliot Place, Loveland

3

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

For home and real estate advice, features and information, visit www.homeand realtyguide.com

FREE FIREPLACE THIS WEEKEND! 3 BR, 2 BA including 5 piece master, A/C, alder cabinets, unfin bsmt, 4 car garage $259,650

2

August 2010

Median Sales Price Previous Year Median

STARTING IN THE $140’S*

56 287

handle the affairs of his father’s estate while he is living to make sure that the proper decisions are made.

Please drop us a line and tell us how things proceed and what he decides to do.

Samuel J. Tamkin is a Chicago-based real estate attorney. Ilyce R. Glink’s latest book is “Buy, Close, Move In!” If you have questions for them, write: Real Estate Matters Syndicate, PO Box 366, Glencoe, IL 60022 or contact them through Ilyce’s Web site, www.thinkglink.com.

Enchantment Ridge

40-320977

1

outside sources. For example, if he was using retirement funds to live on, he could use the proceeds from the sale to pay for living expenses. If family members were helping out with his living expenses and caring for him, those family members could get paid or reimbursed for those expenses.

While Medicaid rules are tricky, your boyfriend should talk to an estate planner to see what assets his father has and how he should proceed. The family may need to obtain a guardianship order to

July 2010

970-532-5900

(*w/ qualifying special financing)

Mortgage rate update This week Last week Trend

30-year fixed

4.47%

4.31%

15-year fixed

3.84%

3.79%

5/1 ARM

3.40%

3.30%

NEW NORTHERN COLORADO HOMES

2

E 37th St. US 287

boyfriend’s father’s assets to determine if any were given away in order to avoid paying the tab for his medical care. If assets were given away, then Medicare has the right to go after those assets. So, if the home went to your boyfriend now, and his father required those funds to satisfy his medical bills, Medicaid could come after him for the money.

Frequently, when faced with these situations, people will sell the home and use the proceeds from the sale to pay for expenses that may be coming from

June 2010

40-320978

E 29th St.

FROM THE $200’s TO THE $500’s

OPEN SUNDAY 2-5 The look of a $400,000 home in the $200’s 3 bedrooms, 2 baths including 5 piece master, A/C, gas fireplace, granite countertops, wood & tile floors, covered back patio with fantastic views of Longs Peak & Mt. Meeker & unfinished basement - $298,664 4355 Ridgway Drive, Loveland

970-227-3893

Seven Lakes Dr.

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

From Page E1

N. Madison Av.

GLINK

Saturday Reporter-Herald October 2, 2010 E4

H&RE Real Estate Briefs 2010 GREEN BUILDING SUMMIT AND EXPO, OCT. 7

NoCo Commercial Real Estate Market Survey Results JENNIFER LEHMAN SPECIAL SECTIONS REPORTER

T

he 2011 Northern Colorado Commercial Real Estate Market Survey results were similar to those of 2010, indicating things will remain steady into 2011 with some property sectors doing better and continued value growth for residential properties.

The survey results outlined answers from 131 participants in the commercial real estate sector participating in various professional activities including commercial brokerage, construction, development, investment and architecture.

Eric Holsapple, co-founder of Loveland Commercial,

presented the results in a breakout session on the regional commercial real estate market at the 14th Annual Northern Colorado Real Estate Conference, Sept.

23 at the Fort Collins Hilton.

• Compared to 2010 survey results, there is more optimism for the 2011 outlook in the categories of leasing transactions, sales transactions, overall demand and plan to hire or expand operations.

• Like the 2010 survey results, the 2011 survey shows general economic and employment conditions as the biggest risk factor to Northern Colorado real estate performance in the next year.

• Results from 2010 and 2011 show that obtaining

construction loans and land and acquisition development loans continues to be tough but the difficulty of closing investment sales and the execution of tenant leases will be about the same.

• 1-25/34 beat other areas in the region for the greatest redevelopment potential over the next five years.

• The 2010 and 2011 surveys rank private equity as an increasing source of available capital for Northern Colorado commercial real estate. Regional banks and institutional banks have higher potential in 2011 as capital sources compared to the 2010 results.

• As with 2010 results, the 2011 survey shows the value growth of the residential sector being the strongest.

A variety of residential and commercial properties were ranked for value growth. All three residential property types, student housing, apartments with five or more units and senior housing were listed as the top three, respectively. Groceryanchored retail centers came in fourth followed by hotels, office space, malls and retail centers under 100,000 square feet with the lowest ranking.

To view presentation materials from the 14th Annual Northern Colorado Real Estate Conference including the 2011 Northern Colorado commercial real estate market survey results, go to www.biz.colostate.edu/EREC/ events and click on Realty Check 2011.

The 2010 Green Building Summit and Expo will be held Oct. 7 at Iverness Hotel and Conference Center in Englewood.

The event is being produced by Colorado Real Estate Journal and global real estate firm Jones Lane LaSalle and is Colorado’s largest commercial green building conference of the year.

The summit will host a variety of speakers and topics including an Owner, Developer, Investor Panel, a Construction, Design & Engineering Panel; The Case for Being Green: Tenant Perspective; Case for Being Green: Finance, Valuation and Accounting Perspective; Case for Being Green: Improving the Bottom Line.

The keynote address topic is A Landmark Sustainability Project for the Empire State Building.

The event is open to the public and costs $65 per person. Attendants can earn six Green Building Certification Institute Continuing Education credit hours.

Space is limited to 500. Register at www.crej.com.

Open Houses This Weekend - www.thegroupinc.com COME FOR A CLOSER LOOK...

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SATURDAY/SUNDAY 12:00 - 5:00

810 Village Drive, Milliken - Model Home For Sale!

6 – Open Houses in Milliken! Visit all 6 and register at each home to win a gi cer ficate from your local vendors.

Please contact Kelli Couch for a list of the homes or visit 810 Village Dr to pick up a list personally.

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.

2580 Lochbuie Circle, Loveland - Ranch style pa o home w/ 2 beds + office on the main level. Open kitchen w/ vaulted ceilings. Living room w/ gas fireplace, & vaulted ceilings. Large master suite w/ 5pc bath. Newer carpets & access to deck & pa o. 1250sf garden level finished basement. Don’t miss this great home in a highly coveted NW neighborhood.

817 Brookedge Drive, Fort Collins - Fantas c ranch pa o home! Brand new construc on. This home offers 1,890 finished sq , 2 bdrms + a den, 2 full baths & a 2 1/2 car garage. A/C, fireplace, lots of great upgrades and standard features. All appliances, landscaping and fencing included.

$169,900

Priced From $151,000

$289,500

MLS#624039

MLS#637005

MLS#637059

Call Kelli Couch 310-8804

Call Georgena Arne 481-9801

Call Rich Gardiner 227-0964

Call Dianne Breneman 222-8549

A N EXCLUSIVE SERVICE OF THE GROUP, INC. REAL ESTATE

SATURDAY/SUNDAY 12:00 - 5:00 939 Snowy Plain Road, Fort Collins - 2-story offers approx 2,496 finished sq + a full unfinished bsmt. 3 beds + a lo , 3 car tandem garage, Upgrades galore including all appliances, front and backyard landscaping & rear yard fencing! Views of Pelican Marsh open space from backyard.

$297,462

MLS#624598

TUESDAY - SUNDAY 1:00 - 4:00 4635 Tarragon Drive, Loveland - Tired of yardwork? Visit our furnished model home at The Pa os in Thompson Crossing. 6 ranch plans, 3 car gar op ons, garden level lots, views, low HOA dues. Convenient loca on, yet tucked away; million $ sculpture walk, trail, open space close to I-25. Low maintanence living at it’s best!

$324,990

Priced From $329,000

MLS#638267

MLS#607818

Call Ma Thompson 443-9910

Call Val Schlageter 217-3464

Northern Colorado Real Estate Source

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The Real Estate Source is a magazine produced by me The Group featuring homes for sale and new home neighborhoods throughout Northern Colorado.. (]HPSHISL MVY WPJR \W H[ V]LY KPZ[YPI\[PVU WVPU[Z PUJS\KPUN OV[LSZ NYVJLY` Z[VYLZ YLZ[H\YHU[Z JVMMLL ZOVWZ HUK .YV\W VMMPJLZ

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4305 Grant

413 Heidie Lane, Milliken

832 6th St.-Old Town Berthoud

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2155 Settlers Drive, Milliken - $146,000

Great 4 bed/2 bath home! Like new inside: repainted, new carpet & new kitchen countertops. Garden level offers finished family room w/fp. Home is on LARGE corner lot! MLS#633897 $189,900

Great ranch home in prestigious Mad Russian golf course community! Plenty of room to expand w/the full walk-out bsmt.

Enjoy fantastic front range views from the Trex Deck. $199,900 #635406

Ranch home built in 1948 featuring arched doorways, wood flrs, some original hardware, updated kitchen & bath, and a new roof.

Large private backyard & detached garage w/ room for storage.

Mountain Range Shadows - 4 Houses For Sale from $119,900. Various floor plans. Call 231-1224 for directions!

Eight Additional Homes Open - Visit Them All! Sign up for a chance to win a gift certificate Call for directions!

Kathleen Gruman 970-290-3393 kathleen@berthoudrealestate.com www.berthoudrealestate.com

Kurt Albers Century 21 Humpal, Inc. kurtd57@msn.com www.allcoloradohomes.com

Ursula Albers Century 21 Humpal, Inc. 970-231-0548 ursulaalbers@msn.com www.allcoloradohomes.com

Ryan Andre Sears Real Estate 970-381-1081 / 330-7700 www.andrerealestate.com

Laina Maule Century 21 Humpal, Inc. 1-720-339-6084 laina.maule@century21.com

$200,000 - $299,999 COUNTRY LIVING AT ITS BEST | PRICED TO SELL $240,000

OPEN HOUSE SAT. 2 TO 5

OPEN SUNDAY 1-3

SHOWS LIKE NEW!

1907 1st St., Berthoud

Mirasol Senior Community 1294 Inca Dove Cir. - Loveland

1813 Del Norte

5135 Coral Burst Circle

Enchanting remodeled 4bdrm farmhouse w/ new sunny kit. Hdwd flrs, new bth w/jacuzzi, beaut fam rm, gas fpl. Upgrades incl: new elect, plumb, windows, siding. Fenced ac w/ chick coop, gar & patio. MLS#614911

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.

Location, Location, Location! All brick ranch, fireplace, 4 bed/3 bath, great fenced yard, oversized garage. RV/Boat parking, quick closing OK. $214,900 or Visit www.1813delnorte.com

It’s a buyer’s market, and here’s proof!

Upgraded ranch home w/granite counters, wide oak floors, 42 upper cabs, large mstr suite. Open floor plan. $250,000. Visit www.5135CoralBurst.com

Mirasol Senior Community Mirasol Sales Team 970-635-5931 airwi@lovelandhsg.org www.mirasolseniorcommunity.com

Sindy Turner Timberline Partners, Inc (970) 667-4540 SindyT@TimberlinePartnersInc.com

Chris Allard Timberline Partners, Inc (970) 685-0538 ChrisA@TimberlinePartnersInc.com

Doris Emmerich Keller Williams Realty 970-493-8233 dorisj@frii.com

$300,000 - $399,000 BEAUTIFUL AND SPACIOUS HOME

SIMPLY ELEGANT- $334,900

$500,000 +

LAND FOR SALE

OPEN HOUSE SAT. 2-5 & SUN. 1-4 TRADES CONSIDERED

OPEN - SUNDAY 12PM-3PM

Visit our website at homeandrealtyguide.com

40-317947

2536 Glendale Dr.

1937 Pikes Peak Dr-Loveland

NEW CUSTOM RANCH - 288 RESERVOIR

Warberg Farm at Chapman Reservoir

Light, bright and beautiful home. Backs to greenbelt in Emerald Glen. 5bdr, 4 ba, vaulted ceilings, family, living and rec room. Fireplace and 3 car garage all make this an exceptional value. Motivated!

Upgraded 3440sf, 4BD, 3BA ranch in Seven Lakes Subdivision. 3-car tandem gar, alder cabinetry & trim, and a professionally finished bsmt which includes a wet bar, fireplace, rec room & office area!

Walkout bsmt., open floor plan, panoramic views. In select group of lots. Pittington Ranch. Many upgrades. Must see. W. on Hwy 34, S. on CR 29 to 18E. 2.3 miles to Flat Iron Rd., right to Reservoir.

OPEN WED 11AM-1:30PM • FRIDAY 8AM1:30PM • EVERY SUN 12PM-2PM • 2+ Acre lake front & horse lots starting $199,000.

Surface rights, walk paths, parks, boatdocks, fishing, and peace garden.

Ruth Carrothers Northern Colorado Real Estate Brokers 970-213-0077 ruth@ncoloradobrokers.com

Gary Maggi 970-692-2002 gary@berthoudrealestate.com www.berthoudrealestate.com

John Mathey Premier Lifestyle (970) 613-4400 (970) 481-5512

Kurt Albers Century 21 Humpal, Inc. 970-231-1224 kurtd57@msn.com www.allcoloradohomes.com

Online O li + PPrint i t= a Powerful Combination!

Saturday Reporter-Herald October 2, 2010 E5

H&RE Real Estate

Tips for early fall gardening

Appeal

MITZI DAVIS CSU EXTENSION

to the

Senses Set the stage for open house success

• Late summer and early fall are the best times to use herbicide for perennial weed control.

Cooler night temperatures signal weeds to send most of the carbohydrates they produce into their root system. Sprayed herbicides will also be translocated into the root system where they kill the plant. Hoeing and pulling weeds works best in the summer after flowering when reserves are low.

• You can still plant pansies, chrysanthemums, ornamental kale and cabbage for fall color.

• Pick winter squash, gourds and pumpkins after the vines have been killed by a light frost but before a heavy freeze. Leave a two-to-three-inch stem on these veggies to protect from disease invasion. These vegetables only store well if the skins are hard; store at a temperature of 50 to 60 degrees with low humidity.

• Keep some old blankets, towels, cardboard boxes and spun garden fabric, like remay cloth handy for the first signs of frost.

All of these work better than plastic. Cover flowers and vegetables that you want to keep growing — just don’t forget to take the covering off during the day when the sun comes out and temperatures rise.

• Leave ornamental grasses in place; they can be cut back in early spring. They’ll add interest to the winter garden.

Mitzi Davis has received training through Colorado State University Extension's Master Gardener program and is a Master Gardener volunteer for Larimer County. For more information about CSU Extension, Larimer County, call 970-498-6000 or visit www.larimer.org/ext.

and put in an offer.

THE BASICS • Open curtains and blinds, turn on all the lights.

• Turn on ceiling fans in summer and the fireplace in colder JILL SCHUETT months.

FOR THE REPORTER-HERALD • Play soft classical music.

• Place fresh flowers in a vase. roper preparation in get• Place hard candies in a nice ting a house ready for sale dish. helps a potential buyer fo• Put out fresh baked cookies cus on all the positive features of with a pitcher of water and glassa home and start visualizing es on dining table. themselves living there. It also • Avoid cooking fried or shows a buyer that things have greasy food the day before or day been well cared for, and they of the open house. won’t likely find any surprises.

• Re-check every room for That’s why de-cluttering, tackcleanliness and orderliness. ling repairs, cleaning and orga• Be sure to remove pets from nizing is so important. A home the home for showings and open stager can help with this while houses, and hide away pet bowls, applying interior design princifood bags and toys. ples to brighten and enhance spaces with proper furniture ar- SEIZE THE SEASON rangements, décor, color and Choose a few of these simple more. solutions to bring color and life The icing on the cake: An open to any house on the market: house that “wows” — an oppor• Plant a chrysanthemum surtunity to further help a buyer rounded with various colorful see and feel the potential of a gourds in a pot. Place one by the house. Because buyers will make front door and another one or a decision about a house within two on the back porch or deck.

15 seconds upon entering, that • Add a colorful fall wreath to positive first impression is key. the door.

• Make apple cider or mulled So make the most of showings and open houses by enticing po- cider. The house will smell ditential buyers with an emotional vine.

• Put out spicy fall potpourri appeal to their senses with sights and smells that will cause in a bowl on a coffee or entry them to linger, ponder the possi- table. bilities, fall in love with a home • Light a pretty fall candle and

P

ThinkStock photo

Proper preparation for open houses and showings is crucial.

Why not have fun with it? Utilize the best of the fall season to create cozy, welcoming and memorable impressions as finishing touches. Like the leaves floating down, so will the offers come.

Jill is a Home Staging Expert (HSE) certified stager and redesign specialist serving the Northern Colorado area. For questions or more information, email Jill Schuett of Applause Home Staging, LLC at jill .applause@comcast.net, or go to www.applausehomestaging.com

40-320759

place in the master bedroom.

• Place cinnamon scented pinecones in a basket by a fireplace.

• A dramatic fall centerpiece really shows off a dining room or kitchen eating area.

• Create a cozy vignette by setting a tray on an ottoman with a ceramic teapot and cup next to a comfy chair by a lit fireplace.

• For the kitchen: Place a nice cookbook on a stand by the stove and open it up to a photo and recipe of a hearty soup. Add a bowl of fresh apples and pears to the counter.

saturday PRICE

LOCATION

ADDRESS

HRS

sunday OFFICE

PHONE 970-456-4600

140’S-250’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 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

JOHNSTOWN/ MILLIKEN

810 VILLAGE DR

1-4

THE GROUP, INC.

$169,900*

NW LOVELAND

4403 ELLIOT PLACE

12-5

THE COTTAGE REALTY 970-532-5900

$185,000

JOHNSTOWN/ MILLIKEN

1733 SUNTIDE DR

1-3

RE/MAX ALLIANCE

$190,565*

NW LOVELAND

3399 FOSTER PLACE

12-5

THE COTTAGE REALTY 970-532-5900

$192,900

SW LOVELAND

2445 COURTNEY DR

1-3

RE/MAX ALLIANCE

$227,900

NW LOVELAND

4496 HAYLER AVE

12-5

STARTING AT NE LOVELAND THE $250’S

1563 LA JARA ST/LAKES POINT

$279,685

NW LOVELAND

$280,000

PRICE

LOCATION

ADDRESS

HRS

OFFICE

PHONE 970-456-4600

140’S-250’S SE LOVELAND

BOISE VILLAGE NO., ¼ MI SO. OF HWY 34 10-6 ON N. BOISE AVE., 1899 E. 11TH

MIDTOWN HOMES

970-481-9801

$149,900*

NW LOVELAND

43RD & WILSON AVE. THE COTTAGES AT ENCHANTMENT RIDGE

12-5

THE COTTAGE REALTY 970-532-5900

970-310-8804

$151,000

SE LOVELAND

255 CARINA CIRCLE #104

1-4

THE GROUP, INC.

970-481-9801

$169,900

JOHNSTOWN/ MILLIKEN

810 VILLAGE DR

1-4

THE GROUP, INC.

970-310-8804

$169,900*

NW LOVELAND

4403 ELLIOT PLACE

12-5

THE COTTAGE REALTY 970-532-5900

$190,565*

NW LOVELAND

3399 FOSTER PLACE

12-5

THE COTTAGE REALTY 970-532-5900

THE COTTAGE REALTY 970-532-5900

$219,900

SW LOVELAND

496 MESA DRIVE

12-2

RE/MAX ALLIANCE

1-4

BURNS CONSTRUCTION

$227,900

NW LOVELAND

4496 HAYLER AVE

12-5

THE COTTAGE REALTY 970-532-5900

4475 HAYLER AVE

12-5

THE COTTAGE REALTY 970-532-5900

STARTING AT NE LOVELAND THE $250’S

1563 LA JARA ST/LAKES POINT

1-4

BURNS CONSTRUCTION970-669-8386

SE LOVELAND

1294 INCA DOVE CIR

2-5

MIRASOL MARKETING 970-635-5931 GROUP

$279,685

NW LOVELAND

4475 HAYLER AVE

12-5

THE COTTAGE REALTY 970-532-5900

$289,500

NW LOVELAND

2580 LOCHBUIE CIRCLE

1-3

THE GROUP, INC.

970-227-0964

$297,462

FORT COLLINS

817 BROOKEDGE DR

12-5

THE GROUP, INC.

$297,462

FORT COLLINS

817 BROOKEDGE DR

12-5

THE GROUP, INC.

970-222-8549

NW LOVELAND

4355 RIDGWAY DRIVE

2-5

THE COTTAGE REALTY 970-532-5900

NW LOVELAND

2536 GLENDALE DR

1-3

NOCO REAL ESTATE BROKERS

$298,664

$310,000

970-213-0077

$329,000

SE LOVELAND

4635 TARRAGON DR

1-4

THE GROUP, INC.

970-217-3464

$324,990

FORT COLLINS

939 SNOWY PLAIN ROAD

12-5

THE GROUP, INC.

970-443-9910

$329,000

SE LOVELAND

4635 TARRAGON DR

1-4

THE GROUP, INC.

970-217-3464

$324,990

FORT COLLINS

939 SNOWY PLAIN ROAD

12-5

THE GROUP, INC.

970-443-9910

$385,400

SW LOVELAND

1/4 MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION

12-4

GLEN MARKETING TEAM, ERA

970-663-4522

$385,400

SW LOVELAND

1/4 MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION

12-4

GLEN MARKETING TEAM, ERA

970-663-4522

$399,750

SW LOVELAND

975 PRISM CACTUS CIR

12-4

GLEN MARKETING TEAM, ERA

970-663-4522

$399,750

SW LOVELAND

975 PRISM CACTUS CIR

12-4

GLEN MARKETING TEAM, ERA

970-663-4522

$895,000

SW LOVELAND

288 RESERVOIR DR

2-5

PREMIER LIFESTYLE REALTY

970-481-5512

$895,000

SW LOVELAND

288 RESERVOIR DR

1-4

PREMIER LIFESTYLE REALTY

970-481-5512

970-218-8888

970-689-4824

970-669-8386

To add a listing or speak to an advertising representative, call the Reporter-Herald at 669-5050

720-939-8900

970-222-8549

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 2, 2010 E6

H&RE Front Range Gardening

Trees offer sense of place and community grandparents,” said Sara Davis, Denver’s Million Tree Initiative Program Coordinator. “My mom made me stand in front of a silver ost people think of fall as maple on the first day of school a time of decline, when every year so she could take a gardens quiet and leaves photograph. When that house was litter the ground. A feeling of sold 13 years later, I wasn’t sad sweet melancholy steals over us as about the loss of the house, I was we forget the bugs, disease and sad over the loss of the tree. It cedisappointments of the season in mented me to the home.” favor of wistful memories of the Launched by Denver Mayor summer’s garden.

John Hickenlooper in 2006, the But not everyone looks at fall as Million Tree Initiative aims to the dying season; some see it as plant one million trees in 32 Denan opportunity to celebrate by ver-area cities by 2025. Tree lovers planting a tree. Once you’ve are participating by registering popped your sapling into the their leafy loved ones on green ground, you’ll find that they sink printdenver.org. So far, they’re on roots into your heart as well as pace to achieve their short-term the soil. goal of 200,000 trees planted by “When you start talking to peo- the end of 2010. ple, everyone has a tree story.

“The scientist in me tries to add They’re about being proposed to a value in money and resources, under a big oak or planting a cot- because they provide environmental and economic benefit. But retonwood when going to visit CAROL O'MEARA CSU EXTENSION, BOULDER COUNTY

M

ally what trees mean (to people) are a sense of place and community,” Davis said. “The areas that stick in your mind are those with big trees; without them places are sterile, devoid of personality.”

Big vegetation appeals to humans, especially when commemorating events, such as the planting of nearly 400 trees at ground zero of the World Trade Center site. The trees, grown by nurseries in New York, Pennsylvania, and Washington, D.C. — areas of the attacks — will be planted around the eight-acre memorial over the next year.

“We suffered a massive blow to our psyche as a nation; we want to honor that moment in time. Trees won’t last forever, but they last a couple of generations. Then, at the passing of trees and their replanting in the memorial, it rekindles that moment of renewed hope,” Davis said.

Care for garden tools before winter

remove caked on soil. To remove rust, begin by scrubbing with steel wool — if that doesn’t work try sandpaper. Sharpen blades of pruners, hoes and shovels. Use a whet stone for smaller tools and a file for larger ones. For safety sake, wear gloves and safety glasses and hold tools securely with a vice. The spade’s edge is best kept at a 45 degree angle.

During the season, pruners should be disinfected after each use so as not to spread disease or insects from VONNE ZDENEK CSU EXTENSION plant to plant. Chlorine bleach diluted to 10 percent will do a good job, but rinse thoroughly with water after uestion: Is there anything bleaching. You can also use a disinspecial I should do before fecting spray or dip tools in 70 perputting away my garden cent rubbing alcohol. tools for the winter?

Before storing tools for winter, Answer: Care of your garden tools wipe all blades with lubricating oil to is pretty simple. Wash tools with soap prevent rust. Household furniture oil and water to remove accumulated dirt. A wire brush is a good choice to can be used on wood handles for

Q

If you’re planting trees this fall, the root ball. give them the best care possible Properly watering your tree sets with these tips for planting: up its hardiness for winter. Those Choose the site carefully for ex- under drought stress are more posure and room to grow. Check sensitive to cold, suffering winter the mature height of the tree and injury sooner than their well-waput it where it won’t rub against tered counterparts. Water your houses or power lines. trees once per month during winPrepare the planting hole so ter if we are not getting much roots can extend out before the snowfall. ground freezes. Dig the hole in a For more gardening tips, check wide, shallow bowl shape that’s out my blog, gardeningafterfive three to four times the diameter . w o rd press.com. of the root ball.

Prevent sinking of the tree by ensuring that the bottom of the hole is firmly tamped Carol O’Meara is down. with CSU Extension Place the tree in the hole in Boulder County. so that the knees of the root Contact her at ball — where the ball begins 303-678-6238 or curving in toward the top — comeara@co are an inch higher than the .boulder.co.us. soil line.

Backfill with soil and add Front Range Gardening water to firm the soil around

preservation. It has even been suggested to keep a bucket of sand saturated with engine or vegetable oil in a dry place near your tool bench.

Then plunge each tool in the bucket after each use to prevent rust. Also, don’t forget to drain hoses and empty watering cans before a deep frost.

Now that everything is clean, check your tool inventory for things that might need to be replaced.

Many stores have clearance sales now that fall has arrived.

Vonne Zdenek has received training through Colorado State University Extension's Master Gardener program and is a Master Gardener volunteer for Larimer County.

For more information about CSU Extension, Larimer County, call 970498-6000 or visit www.larimer.org/ext

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/ Garages/Storage Houses 4080 Mobile Homes/ Loveland 5110 Unfurnished 4030 Spaces 4070 3 BDRM, 2 BA, hkups, pet Spaces 4090 BANK OWNED2 BDRM, 1 BA, sewer/ trash pd. 1147 E 5th, $550/mo, Faith Property 970-377-1626

COMMERCIAL SHOP$850/mo. 1600 Sq Ft. rmpm.com. 970-669-0842

2 BDRM + bonus room in STORAGE 20 x 40 adult complex in quiet west with 14´ overhead door. side loc. No smk/pets. $550/ $325/mo. Call (970)481-5899 mo. 1012 Van Buren, Lvld.

970-663-2341 or 970-667-7309

Apartments/ Unfurnished 4030

3 BD or 2 BD- Free rent!

Pets nego. Quiet & spac. $625-$695. 970-223-1349

1 rm, Studio+ Vintage apts 0 utils! On-site mgmt. W/D, DirTV $333-590 970-219-8162

LUXURIOUS UPSCALE APARTMENTS STUDIO, 1, 2, & 3 BEDROOMS- Pool, hot tub, 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, 1.5 ba, hkups, $800/mo, wtr/sewer pd.

1842 E 17th St, Faith Property 970-377-1626 1 Lg Bdrm 207 S. Jefferson.

Walk-in closet, coin-op, Ht/ water pd. $525. 970-669-0285

✭ 2 BDRM Mobile home, Large brick 2 Bdrm, 2nd $550, rent includes utils. level, views, cent. loc. N/P, Estate Builder 970-667-3400 Ht/wtr pd! 970-308-7387 2 BDRM- 1716 E. 16th, $540/ mo. 2-story, large rooms. Lrg 2 BDRM, no pets. $575/ Call rmpm.com 669-0842 mo, wtr/sewer pd. 1717 N Cheyenne Ave. #19 & #12.

2 BDRM, 1 BA, bsmt apt, Faith Property 970-377-1626 hkups, 1705 1/2 E 8th St, $725/mo Faith Property 970-377-1626 2 BDRM, 1 BA, garden lvl, A/C, 1707 Cheyenne Ave #24 $575/mo H2O/swr/trash pd.

Faith Property 970-377-1626

Commercial Industrial 4040

2- 2800 SF bldgs w/bsmt, 1 warehouse 2304 SF. For2 BDRM, 1 BA, heat & merly Penners Appliance, water pd, A/C, storage, off call (970)667-9983, 290-3876 st pkng, SW loc. No smk/ pets. $625, (970)217-5958

Condos/ Townhouses 4050

2 BDRM, 1 BA, lg kitchen, lndry on site, water/ sewer/ trash paid.

1125 Gard Pl #1 $575/mo, Faith Property 970-377-1626 3 BDRM, 2 BA Condo, stacked W/D, trash pd, fenced yard, garage.

4136 Monument, $900/mo 2 BDRM, $650 + elec, Faith Property 970-377-1626 free heat & basic cable, clean, pantry. No pets.

Coin-op. 970-663-6787 or 970-430-0859

Duplexes

4060

Houses

4080

NEW HOMES REDUCED! Don´t miss out on this 4 BDRM- 1182 W. 45th, SAVINGS EVENT! Easy approval, quick closings & $1240/mo, NICE! Pets neg affordable payments.

Call rmpm.com 669-0842 Tax ID´s welcome. Limited availability ACT NOW!!

Call 970-420-8488 *wac 5 BDRM, 2 ba, large kitch, dining area, wd stove, 4 car gar. $1350 (303)564-8963

Office Space 4100

Tri-Lvl, 3 bdrm, 3 bath w/ bsmt. New floor coverings, int paint & appliances. $174,900. Re/Max Alliance, Wanda Quaid, 970-481-3033 411 E 12 ST ✭ MLS 637797 $124,900, ranch 3 bed, 2 bath, 1067sqft, 24x16 workshop. Call Rob (970) 481-2133 At Home Real Estate Co

$950/mo + dep & HOA fee Downtown corner loc, 2/3 2 bdrm/2 ba patio home, 2 offices, sep bldg, 4 car prkg car gar, no pets, 311 Vic- lot. $1000/mo 970-667-5145 toria, Berthoud 970-532-2652

EQUAL HOUSING OPPORTUNITY All real estate advertised in this paper is subject to the federal and state Fair Housing Act which makes it illegal to advertise “any preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status or national origin, or an intention to make any such preference, limitation, or discrimination.”

The newspaper will not knowingly accept any advertising for real estate which is in violation of the law.

All persons are hereby informed that all dwellings advertised are available on an equal opportunity basis.

1 BDRM, carport & sm yd.

No cats, sm dog nego. $545 elect/wtr pd. 1225-1/2 E. 4th ON ALLEY. 970-443-4072 1111 Taft Ave Large home 1.75 ba, full fin bsmt, 1 car gar. $975 Estate Builder 970-667-3400 2 BDRM- 1305.5 E. 16th $840/mo, fin bsmt, 1 car Call rmpm.com 669-0842

420 W. 43rd St, very nice 2 bdrm, 1 ba, 1 car gar. $750, 2 BDRM, 1 BA, hkups, fncd FALL MOVE-IN sorry N/S, N/P. yard w/ patio, gar.

SPECIALS 2 Bdrm Apartment Homes Estate Builder 970-667-3400 2360 Fountain Dr. $995/mo Faith Property 970-377-1626 ●Party and Exercise Room ● Includes Washer & Dryer 2 BDRM- 1410 22nd, $795.

Unf bsmt, 1 car, newer crpt 3 BDRM- 1143 SE 2nd, $925. ● Park-Like Setting Big kitchen & yard, 1 car.

Call rmpm.com 669-0842 ● Garages Available Call rmpm.com 669-0842

Foothills Apts

nego. 4460 Hayler $1195/mo Faith Property 970-377-1626

$99 MOVE IN SPECIAL 3 bdrm, 1.5 ba, located in Milliken. $995, 970-310-3855 OWN your own home for what you pay in Rent!

Lowest rates, $0 - $1000 Down Free Prequalification.

Western Plains Realty Ken or Tammy 970-663-5008

Roommates Wanted 4120 1 bdrm, furnished. Cable access incl. $300/mo.

Util´s Paid!. 970-817-5558

Retail Space 4135

SATURDAY 12-2

3518 ADENA 5 bdrm, 3 bath, 3326 Sq Ft. $240K. Western Plains RE. Tammy. tour-adena.com

CLEAN AS A WHISTLE! Recently updated, 14x78 mobile in quiet adult park.

(2) master bed/baths. All new appliances, flooring, 1109 Yeager Dr., 3 bdrm, furniture, cooler & much 1 ba, ranch,N-central loc, more! $15,000 Call Carolyn new paint/crpt, $159,900.

352-874-9872 Owner carry, $140K. 303-517-0061 No agents

Longmont

Mobile Homes/ Spaces 4090 Lots & Tracts

5090

3 Bedroom, 1 3/4 baths, 55+, carport, 2 storage sheds, immaculate inside & out, drive by 221 W. 57th, Lot A-9. 303-682-1919.

5100

2 ACRE LOT, Berthoud area, $40K price reduction, $125,000. Call Steve Conder for details, 303-514-3706.

1913 W. 15th St.

✭ 2 BEDROOM HOMES ✭ $575 to $650 + dep.

970-669-7850 - Sorry no pets 3 BDRM- 2574 Gilpin, $895/ 3 BDRM, 2 BA Ranch, gar, West Hwy 34. Pets nego. mo. Big yard, pets nego. fncd yd, close to schools.

Se Habla Espanol Call rmpm.com 669-0842 3004 White Oak Ct. $1100 970-685-8573 Faith Property 970-377-1626

Mobile/ Manufactured Homes/ Spaces 5130 ✭ MOBILE HOMES ✭ BUYING/SELLING Local park needs used mob homes. We´re buying! Big Sale! Many single & dbl wides. Fin avl, auto approval on owner fin homes.

Bad credit OK! Moves avl.

970-222-1473 ✭ 690-2725 or 690-3283 ✭

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~ HORSE PROPERTY ~ 5 bdrm, 4 ba ~ 5000 sq ft on 1.5 acre ~ Johnstown. $275K SS Western Plains Realty Ken or Tammy (970)663-5008

Plant fall bulbs for winter and spring color KHURSHEED MAMA CSU EXTENSION

F

all is the ideal time to plant hardy bulbs for color in late winter and early spring landscapes.

Coloradans are fortunate to have a wide selection of bulbs to choose from for blooms late January to July. Traditional choices include crocus, hyacinths, daffodils and hybrid tulips with many early, middle and late blooming varieties. These bulbs also come in an assortment of colors available at local nurseries and through mail order catalogues.

Snow iris and snowdrops (Galanthus sp.) are additional early season choices and similar to crocus.

These low-growing flowers will peek out through the snow as early as January and into March and look best en masse. Species tulips (Tulipa sp.), which differ from hybrid tulips, are available in many colors and average in height from four to eight inches; these can be planted to provide color from March through May. There are also many bulbs that bloom into the summer like alliums (Allium sp.). These showy bulbs may be used as a focal point in the garden or as a complement to perennials. Like daffodils, and unlike tulips and crocus, they offer the added benefit of being more deer and rodent resistant. Because alliums tend to be underutilized in the garden, but thrive in Colorado’s climate, focus on some of the selections available for this area.

Alliums are in the onion family and most people are familiar with the edible forms of this plant. However, plants can be purely decorative, or serve both purposes (e.g., Egyptian or walking onions, chives, etc.). Alliums come in many colors, varying heights and multiple flower sizes. Among decorative alliums, Allium ‘Purple Sensation’ has been a popular garden variety, with four-to-six-inch globe-shaped purple flowers rising on two-foot stocks. Mount Everest, Globemaster, Gladiator and True Blue are similarly sized, but bloom in different colors.

Allium cernuum ‘Fireworks’ is among the smaller alliums that can be used as a complement to ground covers. A personal favorite, and one that generally leads to conversation among garden visitors, is Allium schuberti with 12-inch light pink flower heads that look like sparklers. While local nurseries and greenhouses carry alliums, the selection is generally limited to a few varieties, so consider shopping online or from mail order catalogues.

Another positive aspect about alliums is that they can be planted just below the soil surface, whereas ideal planting depth for most other bulbs is approximately two-to-three times the widest portion of the bulb. For all bulbs, our soils are rich in minerals, so fertilization needs are minimal. Most bulbs need moisture during their growth phase in the spring, but many can tolerate dry conditions during their dormant period. Species tulips prefer hot, dry areas and daffodils prefer occasional moisture during dormancy. To ensure ongoing vigor, allow the spent foliage to remain on the plant until yellowed and can easily be pulled from the ground. Early blooming perennials planted with spring blooming bulbs swill minimize the unsightliness of the wilting foliage and enhance the garden.

Khursheed Mama has received training through Colorado State University Extension's Master Gardener program and is a Master Gardener volunteer for Larimer County.

For more information about CSU Extension, Larimer County, call 970-498-6000 or visit www.larimer.org/ext