Saturday Reporter-Herald October 30, 2010 E1
Real Estate Matters
www.homeandrealtyguide.com • Saturday, October 30, 2010 • Reporter-Herald
HOA is divided ILYCE GLINK TRIBUNE MEDIA SERVICES
Q
uestion: Our homeowner’s association has restrictive covenants that created two classes of homeowners. One class is those homeowners that that received their property directly from the developer, and the second class is all the other homeowners. The developer class has voting rights in the association that are superior to those of the others. For many years, all owners voted without regard to the classification until about a year ago when a new board of directors rewrote the documents. The new language provides that the nondeveloper owners can only vote as a bloc and no longer vote individually. For the change in the documents, the board of directors called a meeting in which they said that if there was no vote against the change they would consider that a vote in favor of the new change. I have read the Florida statute on homeowners’ associations and it seems that the board’s position is contrary to the laws in our state. I hired an attorney to come to the annual meeting after reviewing the original documents and the proposed changes, and his opinion was the same as mine. The board disregarded both my opinion and the attorney’s and went forward anyway. At this point, since I have no right to vote, I feel as though I shouldn’t have to pay monthly dues. What is your opinion? Am I required to pay dues if I have no vote? If I must pay, what is the least expensive way to go about proclaiming my rights and acting upon them? I do not want the hassle/expense of suing the association, and am looking to minimize any further legal fees. Can I as an individual petition a court for some sort of injunctive relief? Answer: The issue of paying your dues is separate and distinct from the actions of the board of the association. You should probably continue to pay your dues. Even if the actions of the board are illegal, you are still receiving services and benefits from the association, whether you have a vote or not. The association may have a pool, common areas, parking garage, gatehouse, security and many other expenses that are beneficial to you, and your monthly dues (or maintenance fees) cover those expenses. And while you don’t have a right to “vote,” you probably still have a duty to pay these fees. Even if you’re not looking for a I See Glink /Page E4
Numbers Don’t Lie Low interest rates can save a substantial amount PAID ADVERTORIAL
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umbers very rarely lie. In fact, they most often always do not. One significant number to note is 47. That was the percentage of all home buyers last year that were considered a “first-time homebuyer,” according to the National Association of Realtors (NAR). The number 8,000 was very important to that 47 percent — as that was the maximum amount allowed for these firsttime homebuyers to claim on their income tax returns this year. But do you know what number is even more powerful than 8,000? How about 43,235? Or even better — 77,507? Those two numbers are what some homebuyers could be saving instead of just $8,000. Since the expiration of the first-time and repeat homebuyer tax credits earlier this year, interest rates have been steadily declining ever since. David Powell, the managing broker of the RE/MAX Alliance office in Loveland said that while he feels the tax credit had a notable impact on home sales in the last year, the lower rates are really what buyers should be considering now. “I think that the tax credit initially was a great way to spark some interest
in these younger first-time buyers,” Powell said. “However, a lot of people now are overlooking the fact that rates are much lower now than they were during the tax credit and that is really what people need to capitalize on.” According to data from Colorado Mortgage Alliance’s home mortgage consultant, Gloria Elijah, it was very common for rates to be around 5.5 percent earlier this year when the tax credit was still in effect. In the past month, rates have been more than 1 percent lower since the spring — around 4.125 percent. And that extra 1.375 percent can go a long way. Take, for example, a loan for $150,000. While you would only save an extra $84.26 per monthly payment initially with the lower rate — over the life of a 30-year loan, you would actually end up saving $43,235.60. Or how about a $200,000
“Now, with these lower rates, some of those homes that were just outside of the price range six months ago can now be considered.” — David Powell, managing broker of RE/MAX Alliance in Loveland
loan: initially, monthly payments are decreased by $97.86; with a grand total of $77,507.02 in savings after 30 years. Once again, the numbers don’t lie. Powell added that potential buyers should talk to a home mortgage consultant to determine their best options for what is available to them. “The great thing about these lower rates is that some buyers maybe could not have qualified to purchase a certain home six months ago because their monthly payment was going to be too high. Now, with these lower rates, some of those homes that were just outside of the price range six months ago can now be considered,” he said. Powell also said that RE/MAX Alliance’s affiliated service, Colorado Mortgage Alliance, has locations all along the Front Range and can help buyers with all types of financing. From new home purchases, to refinancing, new construction, or home equity lines, talking with a home mortgage consultant from Colorado Mortgage Alliance can help answer all your questions.
Inside this week’s Home & Real Estate Real Estate Transactions Listings of recently sold properties along the Front Range
Page E2
Property of the Week 530 E. 13th St., Loveland — three beds, two baths, $154,500
Page E3
Featured Home Plan Charleston is bright, open countr y-style home
Page E3
Director y Page E5
Saturday Reporter-Herald October 30, 2010 E2
H&RE Real Estate Transactions Get ready for fall leaf cleanup Berthoud
Kottler from Tovaas • Raphael & Susan Patrick & Lori Jo Mil, 142 Pleasant Ave, Zak from Federal Johnstown, Home Ln Mortgage Corp, 500 W County $216,000, home Road 10 E, Berthoud, • Nancy Settle from Oakwood $273,000, home Homes Llc, 3931 BalLoveland • Bruce Johnson sawood Ln, John• Curtis & Pamela from Piesco Joseph stown, $157,800, Schock from Fuller A, 2207 Brehm Rd, Partners, 3363 Paddy Berthoud, $358,500, home Ln, Loveland, home Milliken $950,000, home • James & Sharon • Frank Stone from Estes Park Lightfoot from HamGalor Ira & Vered B, • James Bruce mers Ralph E, 441 4069 Swan Mountain from Estes Park Puma Ln, Milliken, Dr, Loveland, Housing Authority, $310,000, home $279,900, home 1155 S Saint Vrain • Hyrum & Ashley • Andrew & Jannie Ave Unit 38, Estes Egbert from Iwr Llc, Crosby from Luere Park, $139,000, con275 S Tamera Ave, James H & Susan, do Milliken, $160,000, 755 E 23rd St, Love• Conleysteele Tr home land, $173,500, from Ross Robert E, • Jessica Frick home 970 East Ln, Estes from Vogel Daniel A, • Kurt Skott from Park, $775,000, 296 W Forest St, MilUs Bank, 415 N home liken, $164,900, County Road 23h, • Wesley & ElizaLoveland, $159,000, beth Reichardt from home home Sydow Family Trust, • Brandon & 2806 Aspen Ln, Estes Windsor Kathryn Mcdermott Park, $157,500, • Homestead Inc from Wakeman David home from Rali 2004qa6, M & Jennifer E, 1890 1443 Grand Ave, • Kevin Dowell Twin Lakes Cir, Love- from Burdick Windsor, $218,000, land, $197,000, home Michael J, 511 home • Steven & Ginger Chapin Ln, Estes • William Fisher Hitz from Smith Park, $260,000, from Bank Choice, Stephanie A, 1106 home 1421 Cleveland Ave, Timberline Ct, Wind• Floyd Borders Loveland, $125,000, sor, $157,000, home from Fehr Elizabeth home • Wanda Wooden J, 909 Riverside Dr • Robert Stump Unit 1/2, Estes Park, from Us Bk, 1363 from Bellinger Windjammer Dr, $205,000, condo Sharon R, 3006 Windsor, $160,000, • Gregory & Susan Kiowa Dr, Loveland, home Trahan from Johnson $279,000, home • Mark & Bobbie Bruce & Carmen, • Richard & Monn Glover from Water3460 Eaglecliff Circle Buckley from Fed house Timothy R & Dr, Estes Park, Home Loan Mtg Julie A, 937 Ventana $522,000, home Corp, 2501 Fairplay Ct, Windsor, • Barry Cahill from Dr, Loveland, $450,000, home Lemke Brenda J, 755 $182,000, home • Jeffrey & Linda Elm Rd Unit 6, Estes • Jeannine Machon Miller from Roberts Park, $129,000, confrom Ferrero Robert Patricia A, 6771 do E & Nancy J, 1100 Spanish Bay Dr, • Jack & Janet Westshore Pl, LoveWindsor, $460,000, Boatman from Overland, $810,000, home look Development At home • Heath & Maureen Histor, 406 Overlook • Paul Decker from Hunter from Ct, Estes Park, Hartman Esther, 411 Ratschkowsky $650,000, home E 12th St, Loveland, Richard A & Cathlee, • Jeremy & Laure$110,000, home 305 Teal Ct, Windsor, lyn Miner from $635,000, home • Roland & AnMooney James E, nemarie Stollsteimer • Jon & Denise Huf 1123 Pine Tree Dr, from J N Llc, 5266 from Advantage Estes Park, Deer Meadow Ct, Bank, 4608 Pampano $254,900, home Loveland, $479,800, Dr, Windsor, home $295,000, home Johnstown • Jason & Misti • David Zumwalt • Daniel Chapman from Fv Reo I Llc, Mullins from Linnemann Kent L & Dawn from Albertson Mer- 6640 Half Moon Bay L, 6253 Mangrove Dr, rill J & Rebecca M, Dr, Windsor, Loveland, $252,000, 1801 Chesapeake $303,000, home Cir, Johnstown, home • Daniel & Martie $162,900, home • Jack & Kathryn Maestas from Casten • Kristen Wadas Forbis from Patton Judith A & Thomas from Ryland Group Rodger & Melanie L, R, 409 14th St, Inc, 206 Saxony Rd, Windsor, $195,000, 6000 Otero Ave, Loveland, $275,000, Johnstown, home $246,000, home home • Ronald & Angela • Steven & Amy • Bryan & Barbara Pfannenstiel from Grandbois from RyEngle from Morgan Melody Homes Inc, Stanley Abs Capital I land Group Inc, 189 1563 Edenbridge Dr, Bittern Dr, JohnI, 5901 Shen Rd, Windsor, $286,900, Loveland, $280,000, stown, $252,600, home home home • Mark & Lana • David Stewart • Dean & Margare Sitzmann from from Ryland Group Buell from Us Bk, Blaschko Ronald G & Inc, 2773 White 1611 Celeste Ln, Judith M, 6563 Royal Loveland, $531,000, Wing Rd, Johnstown, Country Down Dr, $217,000, home home Windsor, $380,000, • Brandon Godfrey home • Steve Tranzow from Christensen Er- from Oakwood • Renee & David Homes Llc, 3942 ic C & Kimberly S, Debar from Con3845 Downieville St, Cedarwood Ln, John- structori Unici Llc, Loveland, $187,000, stown, $199,300, 8341 Wynstone Ct, home home Windsor, $540,000, • Joshua Roth from • Thomas Thumser home from Fannie Mae, Platzek Timothy J, • Jerry & Amber 319 21st St Se, Love- 1201 N Park Ave, Wilson from McJohnstown, land, $130,000, daniel Arthur, 8743 $106,900, home home Longs Peak Cir, • Tara & Hector Windsor, $675,000, • Kevin Oriley from home Schmidt Rita Hazel, Olivas from Fannie Mae, 511 Pebble • Stanley & Ethel 4036 Penrose Ave, Schumm from Loveland, $222,000, Beach Ave, Johnstown, $138,000, Massey Ricky Don, home 378 Buffalo Dr, Wind• Gertrude & Ken- home • Misty & David sor, $185,000, home neth Mniszewski Siefken from Ellis • Mark Orphan from Loveland Midfrom Wells Fargo town Development I, John & Linda, 543 Jay Ave, Johnstown, Bank, 6463 Pumpkin 971 Andromeda Dr, Ridge Dr, Windsor, Loveland, $195,900, $285,000, home $450,000, home home • Mitchell & Kim
METRO CREATIVE SERVICES
T
he autumn foliage can be beautiful to admire. However, once the trees are past their peak and begin to drop their leaves, autumn can mean lots of yard work for homeowners. A mature tree can have more than 200,000 leaves, most of which will fall to the ground when the cooler weather arrives. Multiply that amount by the number of trees on the property, and one can see what a task removing leaves can be. Depending on the size of a person’s property, leaf removal can be an all-day project. However, when done right, one ensures the lawn underneath the leaves continues to thrive and will be in a better position to ride out the winter. For most, a human-powered rake is the best tool for removing leaves. While blowers might seem quicker, they can simply
disperse the leaves instead of for the lawn. However, large congregate them for easier dis- quantities of leaves should be posal. What’s more, blowers can raked and removed. be noisy and distribute fuel emissions into the air. It is important to rake deep enough to disturb the thatch or dried up grass and other debris that can form in the lawn. This helps prevent the lawn from suffocation or discoloration. Leaves can be gathered and packed into biodegradeable bags and brought to the local recycling center. They also can be broken down and used in compost. Leaves on their own do not make ideal organic material, so it’s best if they’re mixed into a compost pile to generate that “black gold� plants love. If there are not many ThinkStock Photo leaves on the property, a Leaf removal becomes a chore for lawnmower can be homeowners. Learn the ways to make pushed over the leaves to break them up into food the work go more smoothly.
Regional Snapshot for Loveland/Berthoud Residential June 2010
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
Median Sales Price Previous Year Median
Home & Real Estate is produced every Saturday by the Loveland Daily Reporter-Herald. EDITORIAL INFORMATION 635-3656 DISPLAY ADVERTISING 669-5050
Mortgage rate update This week Last week Trend
30-year fixed
4.29%
4.23%
15-year fixed
3.68%
3.62%
5/1 ARM
3.35%
3.17%
For home and real estate advice, features and information, visit www.homeandrealtyguide.com
CLASSIFIED ADVERTISING 635-3650
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Your Local Family Mortgage Company. Here yesterday, today and tomorrow. Rates near all time lows John “Nose� Mortgages! Call Today!
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Real Estate Transactions are supplied by Prospects Unlimited Inc., 1151 Eagle Drive No. 467, Loveland, CO 80537, 667-1537.
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Saturday Reporter-Herald October 30, 2010 E3
H&RE Featured Home Plan Property p y off the Week
530 E. 13th St., Loveland
00 5 , 4 5 $1
Open house Saturday from 1-2 p.m.
Charleston is an open, country home ASSOCIATED DESIGNS
vide extra illumination. Columns and arches rched windows mark the boundaries put a contemof the bayed dining porary spin on room. Double doors the Charleston, a close to provide comcountry-style home plete privacy in the complete with gables parlor, which could and a wrap-around porch. The placement just as easily be furnished as a home ofof parlor and dining room on both sides of fice. Shelves and a the entry is tradition- desk are built in. Informal living al, but the entryway, with its lofty two-story spaces are at the rear. Two sets of French or ceiling, is not. The great room and dining atrium doors brighten the great room all room have high ceilings too, in the 12-14 year round and can be foot range. Clerestory left open in summer. A fireplace, flanked by windows in the entry built-in shelving, proand dining room pro-
A
vides warmth and color in winter. The large country kitchen has all of the most popular amenities: large work island, walk-in pantry, built-in appliances, windowed eating nook, and a corner sink with a view. The three-season porch is perfect for protected outdoor dining. Utilities, basement stairs, and a small powder room are close to the Charleston’s center of activity. Double doors open into a good-sized vaulted owners’ suite. Features here include a huge walk-in closet, optional deck access, and a two-section bathroom with dual vanity and oversized
shower. Two upstairs bedrooms share a bathroom. The frontfacing room has a walk-in closet and an arched window that could be outfitted with a window seat. 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 Charleston 10-252 and include a return address when ordering. A catalog featuring more than 550 home plans is available for $15. For more information call (800) 634-0123, or visit our website at www.AssociatedDesigns.com.
Bedrooms: Three Square Feet: 1,060 Bathrooms: Two Price: $154,500 MLS #641979 This nicely remodeled 109 year-old bungalow is located in Old Town Loveland. Hardwood floors grace the living room and dining room. Beautiful tile has been installed in kitchen and baths. Kitchen has new cabinets and stainless steel appliances. French doors in master lead you to the back yard. There is a large deck in back and a large composite-decked front porch. This is a huge lot with alley access in a very quiet neighborhood. Park your RV and boat. Nearly everything is new: drywall, trim, doors, windows, hardware, lighting, electrical, plumbing, A/C, furnace, hot-water heater, insulation, and appliances. Price includes new roof at closing.
Call 970-443-7789 or 970-669-1234, e-mail JillL@Remax.net or visit www.JillSellsHomesInColorado.com
Jill Leichliter
North America’s most expensive homes METRO CREATIVE SERVICES
W
hile many in North America are aware of home price, some might be surprised to learn just how expensive the continent’s most expensive homes are. According to Forbes.com, the most expensive home in North America is in the ritzy resort town of Bridgehampton, NY, which is home to a 25,000 square-foot home valued at $75 million. The property includes 60 acres of waterfront farmland as well as a U.S. Golf Association-rated golf course. To get to the second most expensive home in North America, one need not travel very far from No. 1. The $70 million triplex penthouse at the Pierre in NYC encompasses the hotel’s top three floors and boasts double reception rooms and a paneled library. For those who can’t afford the whole thing, the property is also available in two parts, at $11 million and $59 million. The third most expensive property is on the West Coast. Located in Malibu, Calif., No. 3 on the list is a $65 million gated compound on a private bluff that covers 7 acres of land. Lake Tahoe is home to the fourth most expensive North American property. Valued at $60 million, Sierra Star in Nevada’s Incline Village is only 10 years old but includes an 11,000 square-foot main home and two large guesthouses, for a total of 18 bedrooms.
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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
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Saturday Reporter-Herald October 30, 2010 E4
GLINK From Page E1
battle, you certainly will find one when you stop making payments and the board slaps you with late fees and other charges. Eventually, the board may have the right to evict you from the home if you fail to pay all fees owed, including late fees, other expenses and perhaps attorneys’ fees. If you want to take up the voting issues cause yourself, you might succeed. Your case is somewhat complicated, and you’d have to start by reading the association documents. You’ll need to make sure that your interpretation of the different classes of voting rights is a correct one. While certain property declarations set forth different classes of shares, those differences are usually in place to protect the developer while the developer is still building or selling homes in an association. Eventually,
the classification of shares ends and all homeowners typically have their own voting rights. Timeshare owners are often subject to distinctions in their rights, but those distinctions usually don’t have to do with voting rights. Instead, they are differences in the benefits that a homeowner is accorded depending on whether he buys the timeshare home from the developer (as opposed to buying a resale from a former owner). It’s possible that your association’s documents are quite old and have some older language that did purport to create these differences, but usually these variations have been overridden by newer state laws. You might be right that Florida statutes now make it illegal for your association to create the different classes of voting rights, as the board has done. Differences that might be permitted could include having one homeowner pay into an association for certain benefits while the other lot owners do not. For ex-
ample, if you buy into a golf community, ciation yourself. If you take on the associaand you buy a lot from the developer with tion yourself, you might find the process rights to the golf course and pay a fee asrather time-consuming and you may end sociated with those rights, your voting up making enemies of some of the other rights might differ from another homemembers in the community that agree owner in the development who does not with the board. have rights to the golf course but still has If you don’t go down the litigation route, certain rights to the development. your best hope for making a change is to There are countless situations and issues recruit enough association members to that call for different voting rights within your side to vote the current board out of an association. You might need more inoffice and vote in a new one that is sympaformation as to the exact nature of the thetic with your view. voting rights in your association documents to determine how they are exercised and how they can be challenged and changed. For more information, call An attorney has already told you Glink’s radio show at he believes that the method in 800-972-8255 on Sundays which the board changed the voting from 9 to 10 a.m., write to Real rights was not legal. You may Estate Matters Syndicate, P.O. choose to hire an attorney and sue Box 366, Glencoe, IL 60022 or to force the board to make the visit www.thinkglink.com. changes in accordance with the association documents and state law, Real Estate Matters or you may try to take on the asso-
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1531 Arikaree Drive, Loveland - All brick, 3bdrm, 2 bath home has everything you need on 1 level. New furnace, vinyl windows, gas fireplace & AC make this house a home. Just blocks to McKee Med Center.
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.
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10818 Cimarron Street #308, Firestone - Spacious 2 bed, 2 bath end unit with Southern exposure and mtn views + many upgrades. A ached 2 car tandem gar w/extra storage. Vaulted ceilings in living room & master. Open floor plan w/ long breakfast bar & large dining area. Covered deck w/ storage. Gas fireplace in living room.
3275 Adelaide Place, Loveland - Open ranch townhome. Large mstr suite, walk-in closet, gas FP, le kitchen & ea ng area. Other rs are a walk-in tub, pa o area, front porch & shop area in bsmt w/lots of shelving. 2bd, 2bth & 2 car garage. Walking paths & swimming pool to cool off in the summer!
1049 Grant Avenue, Loveland - Wonderful Old Town Ranch with 3 Bdrms, 2 Bath and par al basement. Oversized double garage on a beau ful corner 1/3 acre lot with 1000 sq . of deck between the house and garage. new carpet, paint and vinyl. Only a few blocks from the park and lake Loveland. See this charmer today.
2534 Begonia Court, Loveland - 1/2 Duplex located on cul-desac. 11x16 screened in porch. New carpet & newly painted interior. Master suite w/ 5’ led shower & walk-in closet. Tiled entry. 2nd bedroom & full bath w/ linen closet. Unfinished full basement. Fenced private backyard w/ sprinkler system. A/C. 2 car finished garage w/ opener.
493 Clubhouse Court, Loveland - All your main living is on the main level. Guest areas in both the upper and the lower levels. Perfect for empty nester/re rement living. HOA takes care of all the snow removal and lawn care. Turn key living. Concrete le roof, stucco exterior with trex on the front and back decks.
$179,500 MLS#629251
Call Rhonda Heth 566-3516
$180,000
$180,000
$195,000
MLS#638177
MLS#641581
MLS#631680
Call Diana Luthi 481-2692
Call Rich Gardiner 227-0964
Call Don A. Riedel 679-8265
SUNDAY 1:00 - 3:00
SATURDAY/SUNDAY 12:00 - 5:00
1040 Wisteria Drive, Loveland - Wood floors adorn the main level. Upgraded cabinets & new kitchen appliances. Vaulted ceilings, main level family room w/gas fireplace. Professionally finished basement includes bedroom + office + fun rec room. New exterior paint, 3-car garage, huge corner lot, retractable awning over large pa o.
817 Brookedge Drive, Fort Collins - Fantas c ranch pa o home! Brand new construc on. This home offers 1,890 finished sq , 2 bdrms, plus a den, 2 full baths, and a 2 1/2 car garage. A/C, fireplace, lots of great upgrades and standard features. All appliances, landscaping, and fencing are included.
$295,000
$296,926
MLS#639167
MLS#637059
Call Cindy Kurtz 962-6832
Call Dianne Breneman 222-8549
MLS#641674
Call Denise Kloster 402-9100
TUESDAY - SUNDAY 1:00 - 4:00
SUNDAY 11:00 - 1:00
SATURDAY 11:00 - 2:00
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!
739 N Co Rd 23H, Loveland - Close to town acreage-No HOA-No covs- 3 car garage + a 48x36 shop w/RV storage & a workshop! Fabulous ranch style home w/an open floor plan w/4 beds + an office & a bright, finished walkout bsmnt w/a fam rm, rec rm&a wet bar. You are surrounded by mountain& city views.
2422 S CR 31, Loveland -Mtn. home on 35 acres. Montana mber structural log & ICF construc on. Radiant in-floor heat throughout. Expansive hallway leads to the rus c country kitchen, bedrooms & ends at the huge master suite and retreat w/fireplace. Large master bath w/huge shower & large walk-in closet. Outdoor living areas.
Priced From $329,000
$519,500
$725,000
MLS#607818
MLS#635745
MLS#632992
Call Val Schlageter 217-3464
Call Kathy Boeding 231-9073
Call John Simmons 481-1250
A N E XCL USIVE SE RVICE OF T HE G R OU P, IN C . R E AL E S TAT E
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Saturday Reporter-Herald October 30, 2010 E5
Eight in 10 still believe buying a home makes good financial sense
N Energy Star road show comes to Loveland
T
IF YOU GO
What: Energy Star for New Homes Road Show When: 8 a.m. - 4 p.m., Tuesday, Nov. 9 Where: The Ranch at Larimer County Fairgrounds & Events Complex Cost: There is a registration fee of $25 which includes lunch. Contact: Amber Riley, Fort Collins Utilities, 970-221-6720, ariley@fcgov.com
their highest priorities. Lower home prices have improved affordability. In fact, the percentage of renters who are worried that the cost of housing is getting so unaffordable that they will never be able to buy a home has decreased steadily since 2007, from 63 to 57 percent. Despite improved affordability, 79 percent of respondents still consider having enough money for down payment and closing costs to be among of the biggest obstacles to buying a home. Another obstacle is a lack of confidence in their ability to be approved for a loan, reported by 73 percent of respondents. The good news is that Americans are seeing more stability in the real estate market. Nearly seven out of 10 believe that home values have stabilized in their area; the same number expects home sales to remain about the same through the end of the year. While more than half (51 percent) say foreclosures are a problem in their area, the rate of foreclosures is also seen as stabilizing; 51 percent say the rate is about the same as last year. Thirty-six percent of respondents cite the recession, loss of jobs and the poor economy as the main reason for the ongoing foreclosure problem. This has also led to a slight increase in the number of people who believe the federal government should take a more active role overseeing loans and mortgages (44 percent, up from 43 percent last year). While nearly seven out of 10 say it’s harder to sell a home in their area today than it was a year ago, it’s less of a concern from last year when the number was 10 percentage points higher. This is most likely the result of lower home inventories. 44-320765
he Energy Star for New Homes Road Show will be coming to the Ranch on Tuesday, November 9. Sam Rashkin, EPA’s national director of Energy Star for New Homes and Gord Cooke, president of Building Knowledge Canada, will discuss designing, building and selling energy efficient homes that earn the Energy Star. Attendants can learn more about the features associated with an Energy Star Qualified New Home and expand their knowledge of the benefits for their business and clients. Seven hours of continuing education are available for for real estate professionals who attend. Rashkin and Cooke are presenting throughout Colorado including in Denver on Nov. 10, as well as Eagle, Grand Junction and Durango later in the month. For more information on upcoming Energy Star events for Colorado go to www.coloradoenergystarhomes.com.
early eight out of 10 respondents believe buying a home is a good financial decision, despite ongoing challenges with the economy and housing market. That’s according to the 2010 National Housing Pulse Survey, an annual report released today by the National Association of Realtors®. The survey, which measures how affordable housing issues affect consumers, also found job security concerns to be the highest in eight years of sampling, with 70 percent of Americans saying that job layoffs and unemployment are a big problem in their area; eight in 10 cite these issues as a barrier to homeownership. “The real issue facing the nation’s economy right now is that many Americans can’t find meaningful work to support their families,” said NAR President Vicki Cox Golder, owner of Vicki L. Cox & Associates in Tucson, Ariz. “While a job recovery is what’s needed right now to get the economy and housing market back on the right track, owning a home continues to be part of the American Dream and one of the best long-term investments in your future.” Despite economic uncertainty, 68 percent of those surveyed still believe now is a good time to buy a home; while that number is down from last year (75 percent), it’s up from 2008 (66 percent) and 2007 (59 percent). Lower home prices and record-low mortgage interest rates may be attracting buyers to the housing market – more than one-fourth of renters said they are thinking more about buying a home than they were a year ago. Sixty-three percent of renter respondents said that owning a home is a priority in their future, and nearly 40 percent said it was one of
saturday PRICE
LOCATION
ADDRESS
HRS
sunday 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*
43RD & WILSON AVE. THE COTTAGES AT ENCHANTMENT RIDGE
12-5
THE COTTAGE REALTY 970-532-5900
NW LOVELAND
$151,000
SE LOVELAND
255 CARINA CIRCLE #104
1-4
THE GROUP INC
970-481-9801
$154,500
SE LOVELAND
530 E. 13TH ST
1-2
RE/MAX ALLIANCE
970-443-7789
$169,900*
NW LOVELAND
4403 ELLIOT PL
12-5
THE COTTAGE REALTY 970-532-5900
$179,500
BERTHOUD
10818 CIMARRON ST #308
1-5
THE GROUP INC
970-566-3516
$180,000
NW LOVELAND
3275 ADELAIDE PL
1-3
THE GROUP INC
970-481-2692
$180,000
SW LOVELAND
1049 GRANT AVE
1-3
THE GROUP INC
970-227-0964
$193,900
SE LOVELAND
187 COBALT AVE
2-4
RE/MAX ALLIANCE
970-213-3603
$227,900
NW LOVELAND
4496 HAYLER AVE
12-5
THE COTTAGE REALTY 970-532-5900
1-4
BURNS CONSTRUCTION
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 CIR #104
1-4
THE GROUP INC
$169,900*
NW LOVELAND
4403 ELLIOT PLACE
12-5
THE COTTAGE REALTY 970-532-5900
$177,000
NE LOVELAND
1531 ARIKAREE DR
2-4
THE GROUP INC
970-231-9073
$193,900
SE LOVELAND
187 COBALT AVE
2-4
RE/MAX ALLIANCE
970-213-3603
$195,000
SW LOVELAND
2534 BEGONIA CT
1:30-3:30 THE GROUP INC
$227,900
NW LOVELAND
4496 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
$295,000
NW LOVELAND
1040 WISTERIA DR
1-3
THE GROUP INC
970-962-6832
$296,926
FORT COLLINS
817 BROOKEDGE DR
12-5
THE GROUP INC
970-222-8549
970-481-9801
970-679-8265
STARTING AT NE LOVELAND THE $250’S
1563 LA JARA ST./LAKES POINT
$280,000
SE LOVELAND
1294 INCA DOVE CIR
$285,000
SW LOVELAND
493 CLUBHOUSE CT
1-3
THE GROUP INC
970-402-9100
$296,926
FORT COLLINS
817 BROOKEDGE DR
12-5
THE GROUP INC
970-222-8549
$298,664
NW LOVELAND
4355 RIDGWAY DR
1-4
THE COTTAGE REALTY 970-532-5900
$298,664
NW LOVELAND
4355 RIDGWAY DR
1-4
THE COTTAGE REALTY 970-532-5900
$299,900
NW LOVELAND
3343 SEDGWICK CIRCLE
1-4
RE/MAX ALLIANCE
970-227-2274
$329,000
SE LOVELAND
4635 TARRAGON DR
1-4
THE GROUP INC
970-217-3464
$329,000
SE LOVELAND
4635 TARRAGON DR
1-4
THE GROUP INC
970-217-3464
SW LOVELAND
GLEN MARKETING
970-663-4522
12-4
GLEN MARKETING TEAM, ERA
970-663-4522
¼ MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION
12-4
SW LOVELAND
¼ MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION
$342,500
$389,750
SW LOVELAND
975 PRISM CACTUS CIRCLE
12-4
970-663-4522
970-663-4522
GLEN MARKETING TEAM, ERA
$519,500
SW LOVELAND
739 N CO RD 23H
11-1
THE GROUP INC
970-231-9073
$895,000
SW LOVELAND
288 RESERVOIR DR
1-4
PREMIER LIFESTYLE REALTY
970-481-5512
$342,500
2-5
970-669-8386
MIRASOL MARKETING 970-635-5931 GROUP
$389,750
SW LOVELAND
975 PRISM CACTUS CIRCLE
12-4
GLEN MARKETING TEAM, ERA
$725,000
SW LOVELAND
2422 S CR 31
11-2
THE GROUP INC
970-481-1250
$895,000
SW LOVELAND
288 RESERVOIR DR
1-4
PREMIER LIFESTYLE REALTY
970-481-5512
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 30, 2010 E6
H&RE Front Range Gardening
Help lawns recover from summer: fertilize Fescue, or Perennial Rye. Fertilize by applying one pound of nitrogen per thousand square feet during the first week of November, while the grass is still green and the eading into winter is when many ground isn’t frozen (if you have sandy soils, people forget about yard care, don’t fertilize after September). With the putting the lawnmower away for warmth lingering late this year, lawns will the season. We fill our time cleaning the get the benefit of a slow cool down of the house, scrubbing the nooks and crannies soil, and gives fertilizer the chance to help we ignored in favor of being outside. But roots regrow. after a summer of heat, a fall of drought, Nitrogen is the most important food to and a winter that’s slow in arriving, your feed the turf – extra potassium or phoslawn needs a little coddling to keep it phorus is not as critical. At this time, nihealthy until spring. trogen in the fertilizer should be from The ability of turf to survive winter depends on healthy root systems. The stress- sources such as urea, ammonium sulfate es of summer often take their toll on roots, or others that don’t need microbes in the soil to release them. Soil microbes slow which need to regenerate in fall during cooler weather. To help lawns recover, fer- their activity during cold weather, which may delay release of nitrogen to the plants, tilize now. making the late application unsuccessful. Late season application of nitrogen is recommended for Kentucky Bluegrass, Tall For quick benefit to plants, make sure CAROL O'MEARA CSU EXTENSION
H
Cool climate gardening METRO CREATIVE SERVICES
A
home garden doesn’t have to go into hibernation just because the cooler weather has arrived. Plant lovers can ensure their yards are full of life even when the mercury drops. There are a number of plants that thrive in the cooler weather. With proper shelter, some others can do quite well, too. • Ornamental cabbage
• Ornamental kale • Snapdragons • Dusty Miller • Asters • Calendulas • Larkspur • Chr ysanthemum • Dianthus • Coral Bells • Licorice Plant • Ivy • Pansies • Violas • Hens-and-Chicks • Strawflower • Primrose
the soil is moist, which helps the nitrogen dissolve easily. If the ground is dry, irrigate a day before fertilizing. But if you’ve already blown out your system for the winter, apply fertilizer just after one of our rain squalls have passed through. Then protect roots from drying out during winter by giving it a bit of water if we’re having a dry spell. Dry soils can lead to dieback of the root system, which will limit the top growth of turf during the growing season. Typically, lawns benefit from watering once every four weeks if we are not getting much rain or snow fall. Keep tabs on how much rain or snow falls at your house – not across town or in Denver where the TV stations are located – and water your lawns when we don’t get one inch of water, cumulative, over four weeks. The late fertilization means lawns will
• Forget-Me-Not • Shirley Poppies There are a number of offseason produce plants that can actually be grown and harvested during the times when a garden would normally be dormant. • Peas • Radishes • Kale • Broccoli • Brussels Sprouts • Cabbage • Onions • Beets • Turnips • Swiss Chard
ThinkStock Photo
Pansies are one decorative flower that can withstand chilly temperatures.
Apartments/ Duplexes 4060 Houses 4080 Mobile Homes/ Loveland 5110 Unfurnished 4030 BACK ON MARKET! 3+ BDRM, 1.5 ba, ranch. Spaces 4090 BANK OWNED-
Apartments/ Furnished 4010
✭ 2 BDRM Mobile home, $550, rent includes utils. Estate Builder 970-667-3400 3 BD or 2 BD- Free rent! Pets nego. Quiet & spac. $645-$795. 970-223-1349
ALL BILLS PAID!!! 1 BDRM/studio, furnished LUXURIOUS UPSCALE or unfurnished. Downtown APARTMENTS Loveland. $500-$550/mo. STUDIO, 1, 2, & 3 Call 970-391-0834 BEDROOMS- Pool, hot tub, 24 hr. fitness center, Kitchenettes. Weekly, business center, coffee monthly rates. Util. pd. shop, salon, pizza & deli. Satellite TV, laundry rm. OPEN HOUSE, Mon-Fri 970-663-0400 9am-6pm, Sat. 10am-5pm. 325 E. 5th St., Loveland. 1-888-822-9346
Apartments/ Unfurnished 4030 1 BDRM, 558 W. 10th, $495/mo. end unit, NICE! Call rmpm.com 669-0842
Lrg 2 BDRM, no pets. $575/ mo, wtr/sewer pd. 1717 N Cheyenne Ave. #19 & #12. Faith Property 970-377-1626
Commercial Industrial 4040
2 BDRM, 1.5 ba, hkups, $800/mo, wtr/sewer pd. 1842 E 17th St, Faith Property 970-377-1626 3000 SF SHOP, office, 2 ba, 3 lg doors, 2 hoists, lots of 2 BDRM, 1 BA, bsmt apt, prkg, $1750/mo, 339 8th SE, hkups, 1705 1/2 E 8th St, Loveland . 970-308-1775 $725/mo Faith Property 970-377-1626 OFFICE & PRIV BATH $795/mo. 1600 Sq Ft. 2 BDRM, 1 BA, lg kitchen, rmpm.com. 970-669-0842 lndry on site, water/ sewer/ trash paid. 1125 Gard Pl #1 $575/mo, Faith Property 970-377-1626 2 BDRM, 1 bath, heat, water & sewer paid. New carpet. No smoke/pets. $600, (970)667-0365
Condos/ Townhouses 4050
2 BDRM- 4715 Hahns Peak, $895/mo. NICE! 2 BDRM 1 BATH, new winCall rmpm.com 669-0842 dows, D/W, ONLY $595. Call 970-226-5600 FTCRENT.com Luxury 2 bdrm, 2 bath, A/C, gar, den, W/D avail, 2 BDRM, 1 BA utilities greenbelt view. $895/mo. included! $665/mo. with 970-686-2728 new carpet, big windows, close to shopping! Call today (970)669-1375
Duplexes
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
3 BED IN North Loveland Upstairs unit in 4-plex 1.5 baths Washer/Dryer hookups, off street parking. $675 + deposit. No pets. Call Georgia - Kosmos R.E. 970-667-8347 2 BDRM in Tri-plex 5005 So Iowa, So of Campion. $550 + elect, $500 dep Call (970)556-1558
4060
1200 SF- 3 bdrm, 1.5 bath. $850 + $850 dep + utils. Call (303)772-7390 Brand new 2Br, 1 Bth, All Appliances inc, WD hook up, Heated Garage, Fenced yard, NP, NS, $850+ dep. Call 303-717-6452
Garages/Storage Spaces 4070 1 CAR GARAGE- $95/mo. Great for storage. rmpm.com. 970-669-0842 STORAGE 20 x 40 with 14´ overhead door. $325/mo. Call (970)481-5899
Houses
4080
EQUAL HOUSING OPPORTUNITY
Tri-Lvl, 3 bdrm, 3 bath w/ bsmt. New floor coverings, int paint & appliances. $174,900. Re/Max Alliance, Wanda Quaid, 970-481-3033 NEW 4 car ranch, 5 pc bath, 3 bdrm, 2 ba, A/C, frpl, stone ext. $268,450 Cottage Realty 970-532-5900
Office Space 4100
3 BDRM, w/bsmt, A/C, new carpet in West Lvld. $1000/mo. w/12 month lease & sec dep. Pets on appr. (970)685-8573
Warehouse 2304 sf, 12´ ohead dr. 634 Railroad. $700/ $950/mo + dep & HOA fee mo 970-667-9983 or 290-3876 2 bdrm/2 ba patio home, 2 car gar, no pets, 311 Victoria, Berthoud 970-532-2652 $99 MOVE IN SPECIAL 3 bdrm, 1.5 ba, located in Milliken. $995, 970-310-3855
Downtown corner loc, bldg w/ 3 ofcs/recept area. 4 car prkg. $1000/mo 970-667-5145
Roommates Wanted 4120
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
ROOM FOR RENT $400/month includes utils. 303-548-4332
Rooms For Rent
4130 A picture is worth
Fully furnished large rooms in Lvld. Laundry, A/C, cable, all util. incl. $325/mo. (970)227-1585
a thousand words Try a classified picture ad! Call for details
970-635-3650
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.”
Large furn room inc utils, BERTHOUD $1195/mo phone, cable TV, kitchen, 4 bdrm, 2 ba, 2 living rms, lndry. $380/mo. 970-622-0077 BANK OWNED, HUD & VA lndry, 2 car, lg lot. N/S, www.Foreclosures pets neg, lease. 303-775-0962 InLoveland.com to request a copy of the list! Julie Stinson RE/MAX Berthoud Patio Home with Alliance 970-622-1809 upgrades, fully furnished, 2 Fully Furnished Hair Salon bdrm, 2 1/2 ba, 2 car gar, & office spaces, utilities W/D, A/C, N/P, N/S, included. 970-613-1477 NEW At Foreclosed Prices $1,100/mo + $1,100 deposit. Boise Village North Call 303-776-0333 or e-mail Hair Salon Booth Rentals Homes $149k-$219k to ttherapyctr@aol.com. & office spaces, utilities (970) 456-4600 included. 970-613-1477 1899 E 11th St, Loveland Frederick Home $1200/mo New in 2003 Very nice 3 bdrm, 2 ba w/ gar, huge yd, A/C, applcs. 720-201-9667
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.
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
2 BDRM- 1305.5 E. 16th $795/mo, fin bsmt, 1 car Call rmpm.com 669-0842
125 E. 23rd St. Newly updated 2 bdrm, 1 bath, ranch. 2 car gar. Non-smoker/small pet 2 BDRM- 410 22nd, $795. Unf bsmt, 1 car, newer crpt nego. $875/mo. + $875 dep. Call 970-215-2314 Call rmpm.com 669-0842 2 BDRM, 1 ba, farmhouse 3 BDRM, 2 ba, gar,W/D w/ gar. & carport, country hkps, $700. No pets/smk. 2 living, E. of Lvld. $700/mo Birkley Ct Lvld 970-667-3353 + util´s. No smoke, horse OK, pet neg. 970-376-2565. 3 BDRM, 3 BA, A/C, frpl, 2 BDRM Farm House, 2 car gar. Clean, exc cond, 1 BA, ofc, fncd. $850/mo + No smk/pets.$1300/mo, utils/dep. Lvld, 720-641-9775 mowing incl in HOA dues p a i d b y o w n e r . 2 6 0 9 2 BDRM with bsmt, 2 car Anemonie Dr, SW Lvld. gar, W/D hookup. Open House, Sat 10/30 5 Namaqua Ct. $1000/mo. 11am-4pm. 303-523-1920. No cat/smoker. 970-667-3353 AVAIL 12/1, new 3 bdrm, 2.5 ba, extremely nice. 265 No Madison. No pets/ smoke. $850/mo + dep. Call Ron (970)690-9880
Newly updated, very clean, $1050. 970-218-6229/ 685-4085 NEW HOMES REDUCED! Don´t miss out on this 3 BDRM, 2 BA, 2 car gar, SAVINGS EVENT! Easy hot tub, unfin bsmt, newer approval, quick closings & affordable payments. home, SW Loveland. Tax ID´s welcome. Limited $1350+dep. 970-987-2632 availability ACT NOW!! Call 970-420-8488 *wac 3 BDRM, 4460 Hayler $1250/mo, fin bsmt, N/P. Call rmpm.com 669-0842 3 BDRM, 903 Ptarmigan $1250. New carpet, N/P. Call rmpm.com 669-0842
3 BDRM, 1 bath, att gar, priv fence, newer applcs, paint, carpet, wood blinds, 1487 E. 8th, No smoke/pets. $850, (970)667-0365
Retail Space 4135
Mobile/ Manufactured Homes/ Spaces 5130 ✭
✔✔✔✔
To ensure you receive the best response to your advertisement, please check your ad the first day of publication. We regret we cannot be responsible for more than one day´s incorrect insertion. Billing inquiries can be initiated within 30 days of ad expiration.
Commercial 5030
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 ✭
Best Buy in Loveland! 3 BDRM, 1 3/4 baths, 55+, carport, 2 storage sheds, immaculate inside & out. Exceptional property for Drive by 221 W. 57th, Lot living, business or both. A-9. $11,995 303-682-1919. 1268 N. Cleveland Ave. Call (970)420-3495
Mobile Homes/ Spaces 4090 Lots & Tracts ✭ 2 BEDROOM HOMES ✭
Carol O’Meara is with CSU Extension in Boulder County. Contact her at 303-678-6238 or comeara@co .boulder.co.us.
Front Range Gardening
Diggin In: What to do with pumpkin guts
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KATHY VAN MULLEK DAILY PRESS
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lumbing experts have some words of advice when it comes to turning pumpkins into glowing Halloween jack-o-lanterns. Don’t dump the pumpkin guts down your drains or you risk clogged pipes. “The seeds are hard and I’ve seen them jam a disposal,” says David Mason of Mason & Son Plumbing in Newport News, Va. “The guts are also stringy and slimy and cause other stuff to attach and stop up the drain. Sometimes, there’s so much it won’t even make it around the turn of the trap.” Hampton Roads Sanitation District in southeastern Virginia also recommends jack-o-lantern creators think twice before putting all that potentially hardening pumpkin pulp where it doesn’t belong. “It can also clog toilets and should not be flushed,” says Rhoda Bowen, recycling manager with the sanitation district. “Flushing could cause problems further down in the sewage system.” Instead, work pumpkin pulp into your garden or compost pile. “Birds also like to feed on it,” says Bowen. If you don’t have a compost pile, dispose of the pumpkin innards in the trash can. Separate out the seeds and roast them or dry them for a treat, or save them for spring planting. Pumpkin seeds are also great for the bird feeder. TIPS FOR CARVING •Spread out old newspapers in your carving work area, preferably outdoors. • Create two piles — one for the gooey pumpkin guts and one for seeds. Using a sharp knife (adults only), cut a circle around the stem and remove the top. • Use a large strong spoon to scoop out the pumpkin pulp and seeds. • Separate the stringy core from the seeds. • Draw your pattern on the front of the pumpkin and carve your design. Fun and frightful 18th century-inspired patterns can be downloaded at www.histor y.org/kids/games/pumpkinpatterns.cfm. • Place a candle inside; consider using one of the new flameless wax candles, which are battery operated and safer to use. • Save the seeds for roasting; you don’t even need to rinse them because a little pumpkin ooze enhances the flavor when baked. If you do rinse the seeds, do it at an outdoor spigot to avoid the drain problem, according to Roto Rooter plumbing and drain service. See a photo gallery of how to properly carve a pumpkin at www.HRHomeandGarden.com. TOAST THE SEEDS • Preheat oven to 400 degrees Fahrenheit. • Spread 1 tablespoon of olive oil or butter over the bottom of a roasting pan. Sprinkle the pumpkin seeds in a single layer on the roasting pan. • Add salt to taste. • Bake on the top rack for 20-30 minutes, until the seeds begin to brown. • When brown enough to your liking, remove the seeds and allow to cool. Tip: You can add spices like cinnamon, cayenne, oregano or even hot sauce for more flavor options. RECYCLE PUMPKINS After Halloween, bury your jack-o-lantern in the garden or compost pile where it will decompose into organic material. Contact Kathy Van Mullekom: www.dailypress.com/digginblog