Saturday Reporter-Herald November 5, 2011 E1
Real Estate Matters
www.reporterherald.com • Saturday, November 5, 2011 • Reporter-Herald
Quick purchase possible on foreclosed proper ties ILYCE GLINK TRIBUNE MEDIA SERVICES
Q
uestion: We would like to downsize and are looking at a community with a lot of short sales and foreclosures. Is there anyway to lessen the expected protracted period of waiting to hear from the bank for purchase approval? We can make an all-cash offer. Answer: If you’re looking for a quick purchase, your best bet is to look for a property that has already been foreclosed by the lender. These homes are typically referred to as REO property, for “real estate owned.” When a bank owns the property, the process to buy it can be relatively quick. In fact, lenders usually have their own real estate brokers and attorneys ready to get a quick sale of the property. Some lender-owned properties can close within a week or two of the signing of the contract. However, the lender will want to know for sure that you have the funds ready to close. If you do, the closing can be relatively painless and quick. Make sure you have an attorney to represent you in the purchase. Recently, Sam closed on a condominium owned by a lender, and the lender seemed clueless that the future owner might be responsible for past expenses owed to the condo association. Troubled buildings don’t always fit the normal process of buying and selling, and some buyers can be in for big surprises. In this troubled building, the buyer would have ended up having to pay several thousand dollars for past amounts owed. You should also work with a real estate broker or agent who has experience in distressed real estate and in the problems that can result from buying a house or home in a troubled community or development. If the development or building you are buying in has many other foreclosed homes or condominium units, and the financial stability of the community is precarious, you might be in for a wild ride living there the next several years. If many homeowners in a development don’t pay their share of the expenses, you and any other owners who have money may end up paying more and may never get anything back from those who didn’t pay. You may also find that certain lenders will not close real estate deals in those communities now and for some time to come. Living in a community that has a financial black cloud over it could be a challenge. In addition
Your Home, Your Choices Oakwood Homes offers customization, value at Thompson River Ranch
giving its buyers the opportunity to make every choice of what they want in their home. “Every family that comes in has a budget in mind. Finding out what is most important is the start. A couple choices adding $100 kitchen ... those and other to a mortgage payment can similar features was the be a deal-breaker, so analyzprimary focus.” recalled ing what each family needs Montoya. They were able comes first,” said Dwayne keep the price of the home PAID ADVERTORIAL Montoya of Oakwood Homes. under $200,000; this kept “Why increase the cost of their payments close to your home with options you $1,330 per month while still urrounded by open don’t want?” getting everything they really space, scenic views wanted. They could have A recent buyer at and trails, adjacent to added more to the home, Interstate 25 and U.S. High- Thompson River Ranch but doing this allowed worked with Montoya and way 34, and under five minthem to stay under budget built their home from the utes from the Shops at Centerra, Thompson River Ranch ground up. With no kids, the and have what was most important. focus for them was the is proving this really is the kitchen and great room for Oakwood’s build schedule time to buy. With nine modentertaining in the Turner will put the couple in their els to tour, you can get a plan they chose. home under five months good idea why Oakwood from the day they signed “Upgraded cabinets, Homes sold nine in the their contract. This is a huge granite counters and black community last month. appliances to enhance their plus to many families When you’re investing in a home, getting the most value for your money is key. Paying for options you don’t want, or need, will only raise each mortgage payment, perhaps more than you’d like. Oakwood Homes at Thompson River Ranch is — Dwayne Montoya, Oakwood Homes
S
“Analyzing what
each family needs comes first.
needing a new home quickly and still being able to customize it themselves. Seeing rent in northern Colorado slowly increase due to the tight rental market, Thompson River Ranch gets many families touring the area because they are tired of renting and their lease is up within the year. In many cases, the mortgage payments for a home in the community are actually lower than what families are paying each month to rent. For families who need to be in right away, Oakwood Homes has two quick move-in homes available today that come with some of the most popular features that won’t disappoint. Both homes in the low $200s feature three bedrooms and two-and-a-half baths with over 1500 square feet of space, but very different floor
plans. While touring the models, be sure you tour the community as well. Parks, trails, playground, picnic areas and more ... the whole family can find something to enjoy. Follow the signs to the sales office and pick up a community map to make it easier. Dwayne Montoya and Mike Welty are on hand this weekend from 10 to 6 p.m, to answer any questions about the community or home choices available. With nine models to walk through and a variety of showcased options, you’re bound to have a few questions at the end. For information or to set up an appointment with one of them, call 970-669-9801. Before visiting, you can see community information and floor plans at www. OakwoodHomesCO.com.
I See GLINK/Page E5
Buying a home that needs work? Call the experts in FHA 203(k) renovation financing. www.HomeStateBank.com An FHA 203(k) mortgage allows you to finance both your home purchase and renovation with a single loan. Call now to learn more. Vivian DeVoe, VP Mortgage Banker, NMLS#269876, 970-227-4702 Loans and rates subject to credit approval. Owner-occupied residences only. FHA conditions and restrictions apply.
970-203-6100 Check the license status of your mortgage loan originator at http://www.dora.state.co.us/real-estate/index.htm Think big
Bank small
E2
Saturday Reporter-Herald November 5, 2011
Featured Properties UP TO $199 $199,999 999
$200,000 $200 000 - $299,999 $299 999
SALES OFFICE OPEN
OPEN SAT 1-3 PM
$300,000 $300 000 - $399,999 $399 999 BUILDERS MODEL-DAKOTA GLEN OPEN HOUSE 12 TO 4 THURS.-MON.
Peakview Meadows, Berthoud
Warberg Farm at Chapman Reservoir
3464 Peruvian Torch Drive, Loveland, CO
Peakview Meadows Sales office open Thursday thru Monday from 1-4 Prices starting at $195,900. 5 Models to choose from
OPEN Saturday 1-3 2+Acre Lake front& horse lots starting $225,000 water tap included. Surface rights, walk paths, parks, boat docks, fishing and peace garden.
Looking for Maintenance-FREE* lifestyle? Open floor plan, patio home w/3 bdrms/3 baths, granite kitchen island, backs to green belt with mountain views! Convenient location. MLS#622329. $342,000
Kurt Albers Century 21 Humpal, Inc. 970-231-1224 kurtd57@msn.com www.warbergfarmatchapmanreservoir.com
Kurt Albers Century 21 Humpal, Inc. 970-231-1224 kurtd57@msn.com www.warbergfarmatchapmanreservoir.com
Venna Hillman ERA Herman Group/Glen Marketing 970-663-4522 venna@glencompanies.com www.DakotaGlen.com
Location:
Address:
$139,840 NE Loveland 4905 Hahns Peak #101 From the $140’s
Loveland
Time:
Office/Contact:
1187 Coral Burst Dr. - Crescendo Village in Alford Meadows 3480 Peruvian Torch Drive, Loveland Maintenance FREE* Patio Home-Great open floor plan-Split 3 bdrms - Upgrades and designer tile! Alder doors, trim & cabinets, 5 pc. master bath. Stone fireplace. 2 1/2 car garage. MLS#666495. $339,900
Venna Hillman ERA Herman Group/Glen Marketing 970-663-4522 venna@glencompanies.com www.DakotaGlen.com
Cottage Realty
Spectacular ranch-style home offering premium finishes throughout. Open floor plan w/10 ft ceilings, designer kitchen, finished basement, slab granite, wood floors, front & back landscaping. $499,900
Ron McCrimmon Fuller Sotheby’s International Realty 970.214.2763 AlfordMeadows.com www.RonMcCrimmon.com
sunday Phone:
11AM-3 PM RE/MAXAlliance-FTC Downtown,Jeremy 970-313-6166 Johnson
43rd St &WilsonAve 12-5 PM The Cottages at Enchantment Ridge
OPEN SATURDAY & SUNDAY 12-4
BUILDERS MODEL - DAKOTA GLEN OPEN HOUSE 12 TO 4 THURS.-MON.
saturday Price:
$500,000 $500 000 - $599 $599,999 9
Price:
Location:
Address:
Time:
$139,840 NE Loveland 4905 Hahns Peak #101
970-215-0515
Office/Contact:
Phone:
11AM-3 PM RE/MAXAlliance-FTC Downtown,Jeremy 970-313-6166 Johnson
Starting in Milliken the $150’s
110Traders Lane
12 Noon-3 PM The Group Inc.,Real Estate,TracyWilson 970-567-0907
From the Loveland $140’s
43rd St &WilsonAve 12-5 PM The Cottages at Enchantment Ridge
From Loveland $159,900
1899 East 11th St.
10AM-6 PM Midtown Homes,BoiseVillage North, Wayne Lewis
970-456-4600
Starting in Milliken the $150’s
110Traders Lane
12 Noon-3 PM The Group Inc.,Real Estate,TracyWilson 970-567-0907
$169,900 Loveland
4403 Elliot Pl
12-5 PM
Cottage Realty
970-215-0515
1899 East 11th St.
3255Adelaide Place
1-4 PM
The Group Inc.,Real Estate,Diane Iwanicki 970-412-7082
10AM-6 PM Midtown Homes,BoiseVillage North, Wayne Lewis
970-456-4600
$188,000 Lovela nd
From Loveland $159,900
Starting at Berthoud $195,900
Peakview Meadows
1-4 PM
Century 21 Humpal,Inc.,KurtAlbers & Chris Rampone
970-231-1224, 970-430-0845
$169,900 Loveland
4403 Elliot Pl
12-5 PM
Cottage Realty
970-215-0515
$199,750 NW Loveland 369W 9th
1-3 PM
RE/MAXAlliance-FTC South,Rhonda Heth 970-566-3516
Peakview Meadows
1-4 PM
$207,315 Loveland
3441 Foster Pl
12-5 PM
Cottage Realty
970-215-0515
Starting at Berthoud $195,900
Century 21 Humpal,Inc.,KurtAlbers & Chris Rampone
970-231-1224, 970-430-0845
$219,900 Loveland
4478 HaylerAve
12-5 PM
Cottage Realty
970-532-5900
620 Moonglow Drive
1-4 PM
The Group Inc.,Real Estate,Kelli Couch
970-310-8804
$220,000 Loveland
3174 Blackberry Drive
12 Noon- 2 PM The Group Inc.,Real Estate,Doug Miller
Starting Windsor in the $200,000’s
Starting at Berthoud $225,000
Warberg FarmAt Chapman Reservoir 1-3 PM
$207,315 Loveland
3441 Foster Pl
12-5 PM
Cottage Realty
970-215-0515
$219,900 Loveland
4478 HaylerAve
12-4 PM
Cottage Realty
970-532-5900
$239,000 Loveland
4496 HaylerAve
12-5 PM
Cottage Realty
970-532-5900
$249,900 Berthoud
1621 Hollyberry
1-3 PM
RE/MAXAlliance-Loveland,Kathy Beadell 970-290-1798
$298,664 Loveland
4355 Ridgway Dr
12-5 PM
Cottage Realty
970-227-3893
$299,900 Loveland
1920 New Hampshire St
12-5 PM
Cottage Realty
970-227-3893
$299,900 Loveland
4454 StumpAve
12-5 PM
Cottage Realty
970-532-5900
1723Wales
1-3 PM
RE/MAXAlliance-Loveland,Lisa Moore
970-566-4627
Century 21 Humpal,Inc.,KurtAlbers
970-481-9444 970-430-0845
$229,900 SW Loveland 353 Johnson Dr
1:30-3:30 PM RE/MAXAlliance-Loveland,Don Riedel
970-679-8265
$239,000 Loveland
4496 HaylerAve
12-5 PM
Cottage Realty
970-532-5900
$249,900 Berthoud
1621 Hollyberry
1-3 PM
RE/MAXAlliance-Loveland,Kathy Beadell 970-290-1798
$255,000 Loveland
3518Akron Court
1-3 PM
The Group Inc.,Real Estate,Rich Gardiner 970-227-0964
$298,664 Loveland
4355 Ridgway Dr
12-5 PM
Cottage Realty
970-227-3893
$299,000 Loveland
2892Ariel Drive
1-3 PM
The Group Inc.,Real Estate,Georgena Arnett
970-481-9801
Cottage Realty
970-215-0515
$299,900 Loveland
1920 New Hampshire St
12-5 PM
Cottage Realty
970-227-3893
$299,900 Loveland
4454 StumpAve
12-5 PM
Cottage Realty
970-532-5900
$326,900 Berthoud
1723Wales
1-3 PM
RE/MAXAlliance-Loveland,Lisa Moore
970-566-4627
$326,900 Berthoud
$335,000 Loveland
2890 Carina Circle
1-3 PM
The Group Inc.,Real Estate,Georgena Arnett
970-481-9801
$339,900 NW Loveland 3480 PeruvianTorch
12 Noon-4 PM ERA Herman Group NoCo/Glen Marketing 970-663-4522
$342,000 NW Loveland 1/4 mile west ofWilson on 14th Street/SW/HWY 402 to the Dakota Glen Subdivision
12 Noon-4 PM ERA Herman Group NoCo/Glen Marketing 970-663-4522
$350,000 Loveland
12 Noon-2 PM The Group Inc.,Real Estate,Cindy Kutin
970-391-4735
$449,000 NW Loveland 4297 GolfVista
1:30-3:30
RE/MAXAlliance-Loveland,Julie Riedel
970-679-8365
12 Noon - 4 PM
Fuller Sotheby’s International Realty,Ron 970-214-2763 McCrimmon
$342,000 NW Loveland 1/4 mile west ofWilson on 14th Street/SW/HWY 402 to the Dakota Glen Subdivision
12 Noon-4 PM ERA Herman Group NoCo/Glen Marketing 970-663-4522
$349,900 Berthoud
12 Noon-3 PM The Group Inc.,Real Estate,Miki Roth
103 Common Drive
970-690-9459
3555 Capitol Peak Drive
$383,000 NW Loveland 3489 PeruvianTorch
12 Noon-4 PM ERA Herman Group NoCo/Glen Marketing 970-663-4522
$449,000 NW Loveland 4297 GolfVista
1:30-3:30 PM RE/MAXAlliance-Loveland,Julie Riedel
$499,900 Loveland
1187 Coral Burst Drive,Creshendo VillageAtAlford Meadows
12 Noon - 4 PM
Fuller Sotheby’s International Realty,Ron 970-214-2763 McCrimmon
$499,900 Loveland
$259,900 Loveland
1658 Stove Prairie Circle
1-3 PM
The Group Inc.,Real Estate,Maribeth Bergan
$625,000 NE Loveland 3015 Challenger’s Point
970-679-8365
970-690-1735
For information on how a Realtor may add a listing, call Dan Grassmeyer at the Loveland Reporter-Herald at 970-635-3615 or email: dgrassmeyer@reporter-herald.com. Realtors can join our on-line realtor community at: colonews.com/FeaturedProperties_RH/featured_newclient.php For details about these open houses, see the ads in this section.
1187 Coral Burst Drive,Creshendo VillageAtAlford Meadows
11AM-1 PM RE/MAXAlliance-FTC South,Rich Johnson 970-310-7223
For additional open house listings, please check the “Real Estate Classifieds” section of this publication or on line at, reporterherald.com where you can find all of the information in todays Real Estate Weekly. 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 November 5, 2011 E3
Regional Snapshot for Loveland/Berthoud Residential
Mortgage rate update
June
July
August
Active Listings Previous Year Active Listings
973 1101
938 1092
860 1054
Sold Listings
155
134
154
$220,000 $234,000
$208,958 $238,000
Average Days on the Market Previous Year ADOM
121 121
103 122
107 121
Year to Date Listings Sold Previous Year YTD Listing Sold
676 728
810 839
964 941
Median Sales Price Previous Year Median
This week Last week Trend
$223,700 $192,000
30-year fixed
4.08%
4.22%
15-year fixed
3.38%
3.47%
5/1 ARM
3.02%
3.01%
Home & Real Estate is produced every Saturday by the Loveland Reporter-Herald.
News and Press Releases: The Reporter-Herald welcomes news on hirings, advancements, awards, classes and other information of interest to the real estate and home community. Submit information to jcody@reporter-herald.com. Advertising: For advertising information, call Dan Grassmeyer. Office: 970-635-3615 Cell: 970-214-6297 E-mail: dgrassmeyer@reporter-herald.com
Estate H&RE Real Briefs 750 W. Eisenhower Blvd., Loveland
669-1234
Each office independently owned & operated
view more properties at:
www.HomesInColorado.com
OPEN SATURDAY 1:30-3:30 P.M. 4297 Golf Vista Dr, Loveland
OPEN SUNDAY 1-3 P.M. 2503 Logan Dr, Loveland
OPEN SATURDAY 1:30-3:30 P.M. 353 Johnson Drive, Loveland
Amazing Setting! On POND & GOLF COURSE. Dramatic home has all the right elements: GREAT KITCHEN (stunning granite, dbl ovens, views) GORGEOUS MASTER (large soaking tub & HIS/HERS WALK-IN CLOSETS).
Location! Updated two story across from Lake Loveland, 4 beds, 2.5 baths, office w/ separate entrance, private backyard w/ decks, pond & mature landscaping, granite counters, master bath w/ jetted tub, craft rooms & more! Call for your appointment today!
(Meadowbrook Heights) Ranch with 80% finished basement, 4 bdrms, 3 baths, huge fenced yard, front porch and back covered deck, immediate possession possible, just freshly painted.
$449,000| MLS #667770
Call Julie Riedel
$229,900 | MLS #667530
Call Don A. Riedel
$350,000 | MLS #665751
970-679-8365
Call Julie Stinson
www.HomesInColorado.com
julies@rmfa.com
970-679-8265
662-1809
www.RiedelGroup.com
OPEN SUNDAY 11 A.M.-1 P.M. 3015 Challenger Point, Loveland
OPEN SATURDAY 1-3 P.M. 369 W. 9th Street, Loveland
OPEN SATURDAY 12-2 P.M. 2121 Blue Wing Dr, Johnstown
Views galore from this 5 bed, 5 bath ranch style home that backs to Westerdoll Lake. Garden level walk-out located in Seven Lakes subdivision. Recreational lake rights included! Check it out today!
Absolutely charming 4 bdrm, 2 ba home! Spectacular kitchen remodel. Lots of updating, care & character. Corner lot. Updated baths. Must see! Hwy 34, S on Garfield, W on 8th, N on Grant, W on 9th.
New Construction. 2 story, 3 beds, 3 baths, 3 car tandem garage, a/c, fireplace, hardwood floors, loft area, study on main, 5 piece bath, much more.
$625,000 | MLS #659326
$199,750 | MLS #667941
The Jennifer Kelly Team
Call Rhonda Heth
Hosted by Rich Johnson
970-310-7223
Call Lanette Spotanski 213-3603
566-3516
lanettespotanski@remax.net
www.1015W32nd.com
www.3627Maplewood.com
OPEN HOUSE 2993 9th Pl Ct SW, Loveland
Well-maintained, beautifully landscaped, tri-level near sculpture park; efficiently designed kitchen, finished basement, cedarlined closet for out-of-season storage! Main floor laundry and 1/2 bath.
Spacious and unique floorplan with walkin closets galore! Gourmet kitchen and LARGE laundry/pantry. Master bedroom is a suite retreat! Community pool, walking trails, and 18-hole frisbee golf course.
New Construction. Ranch w/ bsmt, 3 bed, 2 baths, Australian cypress hardwood floors throughout, granite, tile and travertine backsplash, 2 1/2 car garage, a/c, fp, much more. Completion Nov. 2011.
Call Nanci Garnand 622-1846 or 227-1327
www.LivingInLoveland.com
$301,750 | MLS #666187
$269,900 | MLS #661504
Call Nanci Garnand
Call Kathy Beadell
www.LivingInJohnstown.com
beadell@rmfa.com
622-1846 | 227-1327
NEW
NORTHERN COLORADO HOMES
Brad Rowe of RE/MAX Alliance in Loveland has earned the prestigious Certified Investor Agent Specialist (CIAS) Designation, having completed extensive training to understand the different real estate investor types, and the investment opportunities, financing options and calculations needed to provide solutions for each. The five real estate investor types include: first-time investors, move-up investors, portfolio investors, performance investors, and rehab and resell investors. Brad Rowe “For decades, investing in real estate has proven to be a consistent and stable way for individuals to build wealth,” Rowe said. “Real estate investment supports a number of industries, including construction, retail and professional services, and is a strong way to energize and increase investment in our local economy.” With the CIAS Designation training, Rowe will help Northern Colorado area residents build wealth through real estate investment, and homeowners facing foreclosure find potential buyers for their properties. For more information, call Rowe at 970-461-4241.
$232,000 | MLS #667680
rhondaheth@remax.net
$210,000 | MLS #660546
LOCAL AGENT EARNS CIAS DESIGNATION
290-1798
Find out what to do in Loveland. Every day on page
B2
Loveland, Colorado • $3,000 BUYER CREDIT NEW HOMES MONTHLY PAYMENTS FROM • STARTING AT $999 $159,900 - $229,900 • OVER 10 MODELS • CONNECTED TO CITY TRAIL
GREAT VALUE GREAT COMMUNITY GREAT LOCATION
New Construction
Sales Office Open 10-6 Daily 1899 East 11th Street, Loveland, CO 80537 Phone: (970) 456-4600 info@newmidtownhomes.com www.newmidtownhomes.com 17-326536
Priced from $210K
Priced from $270K
FHA Approved Community www.CosBuilders.com
Megan Wachtman 8z Real Estate Broker/Owner
970-217-7977
www.MeganWachtman.8z.com www.cohomefinder.com A better way to buy and sell a home in Colorado!
E4
Saturday Reporter-Herald November 5, 2011
H&RE Real Estate
Share your news! In the “Together” section of the
5 worst
home fixes for the money
An ENERGY STAR® home is a better built home
Office renovation earns worst home improvement investment
While it seems simple enough, the national average for a sunroom addition is $75,224, according to the report. Homeowners can expect to recoup 48.6 percent when they sell. That doesn’t mean that adding a sunroom is always a bad move. If your home needs another common area, a sunroom could be the answer, said Katie Severance, co-author of “The Complete IdDANA DRATCH iot’s Guide to Selling Your Home.” BANKRATE.COM Who doesn’t want to wake up in a five-starthotel-quality suite with an attached spa batht’s the magic phrase uttered by almost room and a kitchenette that affords you cofanyone who’s ever considered the cost of fee and pastries before facing the world? home remodeling: “We’ll get it back Once you see the price tag, it won’t just be when we sell.” the coffee keeping you up at night. Unless you keep those projects practical, For a super-deluxe master suite addition — you might just be kidding yourself. which adds square footage and uses top-dolFor example: lar materials — the average cost is $232,062, Steel front door — good. according to the report. Master suite addition costing more than In years past, this project was “sort of a the average American home — bad. trend in vacation homes” that migrated to Every year, Remodeling magazine looks at primary dwellings, Alfano said. Sellers can exthe hottest home upgrades and calculates pect to recover 52.7 percent at resale. just how much owners get back when they sell. Your buyer can purchase a newer house Upkeep is more popular than upgrades with the same features as part of the original these days, said Sal Alfano, editorial director floor plan that “probably lays out better anyfor Remodeling. These are the projects that way,” said Loren Keim, author of “How to Sell often recoup the biggest slice of expenses at Your Home in Any Market.” resale. So while the next buyer may appreciate Ever wonder what brings the lowest return your luxury accommodations (which could when you plant that “for sale” sign? Think even tip their decision in your home’s favor), high-dollar, highly personalized add-ons like a chances are they won’t want to pay the full tricked-out garage or a super luxe master tab for your remodel. suite addition. Unless you’re a hermit who never enterHere are the five improvements that rank dead last nationally when it comes to getting tains, you’ve probably wished for an extra bathroom now and then. those renovation dollars back at resale. But bathroom additions require serious The standard home office renovation is this year’s biggest loser in the resale value sweep- coin. For a moderately outfitted addition with synthetic stone or plastic laminate surfaces, stakes. Nationally, homeowners spent an avfigure parting with $21,695, according to the erage of $28,888 and can expect to recoup Remodeling report. Go upscale, with premi45.8 percent at resale, according to the Reum marble or fine tile, and you can easily modeling report. spend $40,710. Either way, you get about the Alfano offers two tips for home-office remodelers when they sell. First, opt for some- same return: 53 cents on the dollar. thing that can easily be converted back into a While additions usually cost more, pros bedroom. might be able to reconfigure your existing Second, when you’re selling, call it a study, space to add a bathroom for less, Alfano said. den or hobby room. Don’t use words that inInstead of cleaning out the garage, how voke images of actual work. much would you pay to have a new one Real estate agents will tell you that potenbuilt? This time, it would have all the organitial buyers want square footage, pristine conzational built-ins and windows for natural dition and lots of light. So a brand-new room light, and you could store a couple of cars in that has the word “sun” in it, it has to be there. great for resale value, right? The price tag for a well appointed, deNot necessarily. tached two-car is $90,053, according to the Your first clue: The word “addition” — which means expanding the footprint of your report. You can expect to recover 53.6 percent of that when you sell. home — indicates that this is not a renova“It’s a dream garage,” Alfano said. tion for the faint of heart.
An ENERGY STAR® home provides you the home owner: • Better Comfort • Healthier Indoor Air • Enhanced Durability • Lower Energy Bills
I
Homes built to ENERGY STAR® standards are verified by an independent third party to ensure they meet required above code performance levels. As a home buyer we know you will feel and experience the difference.
Northern Colorado ENERGY STAR® Homes NoCOEnergyStarHomes.org
Learn more at NoCOEnergyStarHomes.org
Open Houses This Weekend - www.thegroupinc.com NEW CONSTRUCTION
NEW HOMES BUILT BY WINDMILLS, LLC
FRIDAY - SUNDAY 12:00-3:00 110 Traders Lane, Milliken Pick your own fixtures, carpet & colors. Wonderful ranch style & 2-story home plans to choose from. Your choice of 3 great subdivision to live in – Settlers Village – Colony Point or Centennial Farms. VALUE YOU CAN SEE… QUALITY YOU CAN COUNT ON with a WINDMILLS HOME. Visit us at 110 Traders Lane in Settlers Village. 100% FINANCING! NO MONEY DOWN!!!
MANY RECENT UPGRADES!
SATURDAY 1:00-4:00
SUNDAY 1:00-4:00
SATURDAY 12:00-2:00
3255 Adelaide Place, Loveland Sunny end unit townhome. Wood floors, stainless steel appliances, large upstairs loft, spacious bedroom with 2 closets in the master plus an oversized two car garage and views of the green grass that you don’t have to mow! Great for anyone who wants to enjoy the foothills.
620 Moonglow Drive, Windsor Greenspire at Windsor Lake. It’s more than just a home… IT’S A QUALITY OF LIFE! Miles of bike trails, open space & parks. Personalize your home from framing to finish! Extraordinary floor plans – Ranch & 2-Story. Lots available on Windsor Lake! Visit our Sales Center at 690 Moonglow Drive or call for a personalized showing today!
3174 Blackberry Dr., Loveland Well maintained 4BD 2BA 2,034 sf tri-level home is move-in ready! Newer A/C, kitchen counters & backsplash, microwave, some flooring, water heater & exterior paint. Beautifully landscaped yard with large patio, front sprinklers.
Prices starting in the $150’s
$188,000
Homes Starting in the $200,000s!
$220,000
MLS#
MLS# 666756
MLS# 648489
MLS# 667380
Call Tracy Wilson
Call Diane Iwanicki
Call Kelli Couch
Call Doug Miller
412-7082
970-310-8804
481-9444
567-0907
NEW CONSTRUCTION
NEW CONSTRUCTION
SATURDAY 1:00-3:00
SATURDAY 1:00-3:00
FRIDAY & SATURDAY 1:00-3:00
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3518 Akron Court, Loveland Unique 4-level on a ¼ lot. 4 bedrooms, 3 baths, large kitchen, living room and family room. Master suite w/jetted tub and large shower with 4 heads. Sun room w/tile floor & hot tub looks out to a mature, park-like backyard & multi-level deck. Newer carpet & paint. Low maintenance vinyl & brick siding. Close to schools & sculpture park.
1658 Stove Prairie Circle, Loveland Stucco ranch style home with an inviting tile entry. Great room w/gas fireplace opens to kitchen & breakfast nook. Tharp cabinetry, slab granite counters w/full tile backsplash & hardwood floors. Master w/5-pc bath & large walk-in closet opposite 2 guest bedrooms. Formal dining room. Central air. Unfinished bsmt. Private patio.
2892 Ariel Drive, Loveland Colorado Craftsman style home quality built by Oak Valley Homes. Kitchen features a large island and shaker style alder cabinetry. Ranch style home with open floor plan backs to open space. Beautiful finishes include hardwood floors, designer tile & slab granite. Full, unfinished basement. Fully landscaped yard.
2890 Carina Circle, Loveland Colorado Craftsman style home. Finishes include hardwood floors, designer tile, slab granite, alder trim & doors and shaker style alder cabinetry. 12’ ceilings in great room w/wood beams. SS appliances, gas fireplace and custom built-ins. Fully landscaped. Close to I-25, Centerra and the Medical Center of the Rockies.
103 Common Drive, Berthoud Elegant turn-of-the-century home built with quality. Wrap-around covered front porch. Formal living and dining rooms. Huge family room w/fireplace. Kitchen features Tharp City Scape cabinets, granite countertops & pantry. Unfinished bsmt. Covered patio. 8’ doors in the 3-car garage.
$255,000
$259,900
$299,000
$335,000
$349,900
MLS# 666526
MLS# 663127
MLS# 662114
MLS# 662119
MLS# 622778
Call Rich Gardiner
Call Maribeth Bergan
Call Georgena Arnett
Call Georgena Arnett
Call Tracy Wilson
227-0964
690-1735
481-9801
481-9801
567-0907
AN EXCLUSIVE SERVICE OF THE GROUP, INC. REAL ESTATE
Northern Colorado Real Estate Source e SUNDAY 12:00-2:00 3555 Capitol Peak Drive, Loveland Gorgeous ranch. Wood floors in entry, kitchen & eating area. Alder cabinets. Butler pantry. Private master bedroom with walk-in closet & 5-piece bath. Unfinished garden level basement. Outdoor living includes large deck, stamped concrete patio and gas line for BBQ.
$350,000 MLS# 659371
Call Cindy Kutin
391-4735
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Saturday Reporter-Herald November 5, 2011 E5
H&RE Real Estate Transactions Real Estate Transactions are supplied by Prospects Unlimited Inc., 1151 Eagle Drive No. 467, Loveland, CO 80537, 667-1537.
$159,800, condo • Reta Baker from Loveland City Housing Authority, 1209 Eilene Pl, Loveland, $136,000, home • Kristin & Anthony Jansen from Jodi Olinger, 3362 Williamsburg St, Loveland, $196,000, home • Ronny Gifford from Suzanna Petersen, 1270 Milner Ave, Loveland, $177,500, home • Richard & Melanie Weichel from R R Homes Inc, 4670 Georgetown Dr, Loveland, $329,800, home • Michael Quintana from Randall Young, 4379 Creekwood Dr, Loveland, $287,000, home
The Bank Of New York Mellon, Amount: $168,176, Property: 5604 Gabriel Dr, Loveland, Filed: 10/25/11 • Borrower: Sherri Graf, Lender: The Bank Of New York Mellon, Amount: • Brian & Charlotte $124,000, Property: 4056 Hoesch from Abfc 2005 Cypress Ct, Loveland, He2 Trust, 4056 La Veta • Richard & Gene Trant Filed: 10/25/11 Dr, Loveland, $174,000, from Fed Home Loan Mtg • Borrower: Lavina & home Corp, 146 Beacon Way, June Schmidt, Lender: Windsor, $170,000, home • Jim Gansen from Aurora Bank Fsb, Household Finance Corp • Jessica Joles from Sfr Amount: $100,841, PropIii, 4789 Sunvalley Dr, 2010 2 Reo Corp, 1995 erty: 3516 N County Road Loveland, $170,000, Bayfront Dr, Windsor, 13, Loveland, Filed: home $375,000, home 10/25/11 • Yukiko Hipp from • Larry & Rosalind Ew• Borrower: Mountain Sara Howard-Davis, 4425 ing from Tt Invest LLC, Meadows Property ManWalden Ave, Loveland, 2040 Bayfront Dr, Windagement, Lender: Hsbc $244,500, home sor, $41,200, home Bank Usa As Trustee, • John Hayarthur from • Judith & Brett BoAmount: $182,407, PropGlenna Keil, 700 Madison gaard from Highland Ave, Loveland, $81,000, Meadows Development I, FORECLOSURES erty: 1153, 1155, 1157 E 3rd St, Loveland, Filed: home 5983 Bay Meadows Dr, • Borrower: Julie SinWindsor, $80,000, home • Melissa Cox from Cynclair, Lender: Aurora Bank 10/26/11 • Borrower: Ella Ahnthia Kennedy, 541 Sherri • Nicholas & Carol Rau Fsb, Amount: $115,169, • Paul Kisselbach from Dr, Loveland, $165,000, Property: 144 Indiana Ave, ert, Lender: Bank Of Judith Uilk, 510 Mayo Ct, from Mcdonough Patrick America Na Successor, home J & Susan C, 4609 FreeBerthoud, Filed: Berthoud, $250,000, Amount: $130,976, Prophold Dr, Windsor, • Daniel Eccher from 10/25/11 home erty: 100 N Laura Ave, $325,000, home Matthew Medeiros, 1845 • Borrower: Richard & Milliken, Filed: 10/20/11 Monarch Cir, Loveland, • Gregory & Haley Geb- Connie Kohler, Lender: • Borrower: Robert $335,000, home hardt from Vestas Blades Fitzsimons Federal Credit • Criss Clinton from Munro & Corrie Am Inc, 234 Cattail Bay, • Steven & Elaine JetUnion, Amount: Stephen Sichler, 915 Matthews, Lender: ColWindsor, $334,000, home $201,489, Property: 235 ter from Troy Niswender, Spring St, Estes Park, orado Housing And Fi5912 Long Branch Ct, • Prestige LLC from Graham Ln, Johnstown, $270,000, home nance, Amount: Loveland, $435,000, Winter Farm Windsor Filed: 10/24/11 • Suzette Hess from Ad$165,886, Property: 180 E home LLC, 661 Yukon Ct, Wind• Borrower: Raymond vantage Bank, 1420 SierHawthorne Ct, Milliken, sor, $35,000, home • William & Timothy Martinez Luera & Lisa ra Sage Ln, Estes Park, Filed: 10/20/11 • Stacie Hobart from Meehan from Wesley OrLuera, Lender: Wells Far$460,000, home • Borrower: John Prestige Homes LLC, 560 go Bank Na, Amount: tolano, 8036 Firethorn Dr, • Balshekar RamchanArrow Ct, Windsor, Loveland, $480,000, $161,035, Property: 1000 Dougherty, Lender: The dran from Leslie Smith, $211,800, home home Charlotte St, Johnstown, Bank Of New York Mellon, 416 Overlook Ct, Estes Amount: $173,333, Prop• Susanne Hocking • Shawn Muscott from Filed: 10/24/11 Park, $450,000, home erty: 322 W Cottonwood from Bonnie Rowe, 792 Laura Parrish, 2553 • Borrower: Justin Ul• Harold Farrenkopf St, Milliken, Filed: 2nd St, Windsor, Steamboat Springs St, rich, Lender: Bank Of from David Petersen, $132,500, home Loveland, $185,000, America National Associa- 10/24/11 1181 W Park Ave, John• Borrower: Brian Hill, home • Saint LLC from Wintion, Amount: $163,979, stown, $200,000, home Lender: Wells Fargo Bank ter Farm Windsor LLC, • Patrick & Helene Property: 304 Medinah • Brian & Suzanne Hall 532 Dakota Ct, Windsor, Na, Amount: $131,380, Young from Pnc Bank, Ave, Johnstown, Filed: from Walter Cate, 533 Property: 1577 S Frances $70,000, home 442 Elder Ct, Loveland, 10/24/11 King Ave, Johnstown, Ave, Milliken, Filed: $121,000, home • Judith Thomas from • Borrower: Richard 10/24/11 Faith Allis, 128 Sunflower Redabaugh, Lender: The • Julie Knight from As- $308,000, home • Raymond & B Consta- Dr, Windsor, $167,000, • Borrower: Toni Zimpen Homes Colorado Inc, Bank Of New York Mellon, ble from Kyle Condie, home 4420 Wolcott Dr, LoveAmount: $188,177, Prop- merman, Lender: Hsbc 1904 Sherwood Ln, JohnBank Usa National Associland, $379,800, home • Brandon & Michelle erty: 116 N Estes Ave, stown, $188,000, home ation, Amount: $150,681, Pohlen from Brian Johnstown, Filed: • Joshua Buchholtz • Ashleigh & Lynda Property: 101 Arapaho St, Hoesch, 511 Sherwood 10/24/11 from Margie Blehm, 1916 Shotkoski from Oakwood Ct, Windsor, $214,900, Empire Ave, Loveland, • Borrower: Scott Kren- Severance, Filed: Homes LLC, 3819 Arrow- home $170,000, home ning, Lender: Us Bank Na- 10/24/11 wood Ln, Johnstown, • Borrower: Robert & • Brenda Hall from Hs- tional Association, • William & Marlene bc Mtg Services Inc, 404 Amount: $490,000, Prop- Yvonne Lauro, Lender: Wilcox from GMAC Mort- $171,700, home • Carmen Wine from Bank Of America National Meadow Dr, Windsor, erty: 810 Deer Meadow gage LLC, 2067 Grays Samantha Sweeney Living $179,900, home Association, Amount: Dr, Loveland, Filed: Peak Dr Unit 14 101, $543,100, Property: 1648 Loveland, $94,900, condo Trust, 1809 Chesapeake • Julie & Stewart Cline 10/21/11 Leana Ct, Windsor, Filed: • Borrower: Myndie & • Douglas Chaney from Cir, Johnstown, $194,000, from John Isbell, 418 home 10/20/11 Fieldstone Dr, Windsor, Richard Neece, Lender: Helen K Funkhouser $175,000, home Bank Of America Na SucTrust, 1018 W 33rd St, • Borrower: Christocessor, Amount: Loveland, $194,000, • Jeremy Lucio from pher Durling, Lender: • Steve Mitchell from home Platinum Properties Lllp, $153,179, Property: 1740 Capital Funding Advisors Gilson Dev LLC, 9521 Moonstone Cir, Loveland, LLC, Amount: $826,034, 949 Durum Ct, Windsor, • Tracy Stephens from Filed: 10/24/11 $232,900, home Property: 1805 Seashell Lakeshore Condominiums County Road 485, MilLLC, 4905 Hahns Peak Dr liken, $195,000, home • Borrower: Rosa & • Randall & Jana Nace Ct, Windsor, Filed: Unit 203, Loveland, Daniel Duran, Lender: • Stevan & Willa Ioerg- from Janice Thompson, 10/20/11
Loveland
er from Julia Hart, 104 Birdie Dr, Milliken, $260,000, home • Jeremy Baughman from HJ Bell Constr Inc, 2065 Birdie Way, Milliken, $239,000, home
Windsor
662 Babine Ct, Windsor, $270,000, home • Don & Lorna Vanmeter from Aaron Bylund, 5424 Far View Ct, Windsor, $465,000, home • Garret & Natalie Zetterquist from Farmers Bank, 1473 Bison Run Dr, Windsor, $42,500, home • Aaron & Sara Lopez from Windmill LLC, 84 Veronica Dr, Windsor, $237,500, home • Suzanne Beattie from Michael Austin, 1063 Fairfield Ave, Windsor, $222,000, home • Alberto Rodriguezcaro from Jon Lauer, 1357 Windjammer Dr, Windsor, $187,500, home
Berthoud
Estes Park
Milliken
GLINK From Page E1
to the financial challenges you may encounter in the community, you may also face a situation where you don’t know from day to day who your neighbors are or will be. Some homes may remain vacant for some time. Other homes may have renters that change frequently. Still other homes may have maintenance and upkeep issues that aren’t addressed. However, if you are careful and come to a community knowing what you are getting into and can foresee what may change in the near future, you could get a great deal. Sam’s client was able to obtain a property that had sold for $300,000 a couple of years ago for about
$50,000. As to whether you should contemplate a short sale, there are some things you can do to speed up the process, which is anything but smooth. Many transactions are painfully slow and tedious, and the results often fail to meet anybody’s expectations. You truly need patience to go this route. In a short sale, a home seller wants to sell a home for less than the mortgage balance on it, and seller doesn’t have or can’t come up with money to make up the difference. In that situation, the lender has to evaluate the financial condition of the seller, the value of the property, and whether it’s better off taking this deal, waiting for a better deal or foreclosing on the property. You’d think that a lender would understand that it would be better off never allowing a home to go into foreclosure. However, Sam once had a deal fall through with a big box
Welcome Home Cindy Kurtz Broker Associate/Partner 970.962.6832 m ckurtz@thegroupinc.com www.Cindy-Kurtz.com 7803 Windsong Road, Windsor, CO 80550 $880,000 Executive home located within an equestrian neighborhood. Extensive upgrades include Brazilian maple/cherry flooring, imported tile, iron inset railing. Panoramic mountain views, & only minutes from I-25. Over two acre lot. Also includes a 3,000 square foot heated workshop/barn. Up to seven garage spaces in the barn or expand the workshop. MLS #663034
660 Mt Massive, Berthoud 80513 $220,000 Beautiful home located in a quiet desirable neighborhood. Three bedroom, two bath, with builder finishes. Hardwood floors in kitchen, panel oak cabinets, and covered porch. Unfinished basement offering room to grow. Spacious back yard with excellent views. This is a must see! MLS#664809
4120 Silverthorne Court, Loveland 80538 $115,000 Immaculate main level condo. This home features easy access with wide doors and ramped entry. Two spacious bedrooms, light and bright.Central air and all appliances. Backs to open space and has a low maintenance private fenced area, one car attached garage. MLS#667768
2469 Indian Hills, Loveland, CO 80538 $315,000 4 bdrm, 3 ba, formal living, dining, family room & office on main level. Gorgeous Italian marble floors, newer triple pane windows. 50 year shingles, security system, remodeled kitchen w/granite tile counters, dual fuel gas range, wood beam accents, xeriscaped yard with veggie garden. 20x22 workshop in the basement. MLS# 654183
• Borrower: Darren & Hope Johnson, Lender: Us Bank National Association, Amount: $156,554, Property: 730 Lilac Dr, Windsor, Filed: 10/21/11 • Borrower: Guadalupe & Augustina Segura, Lender: Jpmorgan Chase Bank National Assoc, Amount: $138,888, Property: 1120 Nantucket St, Windsor, Filed: 10/21/11 • Borrower: Robert & Evelin Seay, Lender: The Bank Of New York Mellon, Amount: $145,533, Property: 965 Nantucket St, Windsor, Filed: 10/24/11 • Borrower: Kenneth & Therese Mahannah, Lender: Bank Of America Na Successor, Amount: $135,614, Property: 204 E Nebraska Ave, Berthoud, Filed: 10/17/11 • Borrower: Sandra Kohtz, Lender: Wells Fargo Bank Na, Amount: $177,602, Property: 1121 Fairway Club Cir A5, Estes Park, Filed: 10/13/11 • Borrower: Ronald Erbes, Lender: Bank Of America Na Successor, Amount: $180,685, Property: 8139 E County Road 16, Johnstown, Filed: 10/19/11 • Borrower: Edward Miknevicius, Lender: Wells Fargo Bank Na As Trustee, Amount: $165,859, Property: 414 Edgewood Ave, Johnstown, Filed: 10/17/11 • Borrower: Lori Hays & Debra Rogers, Lender: Wells Fargo Bank Na As Trustee, Amount: $106,563, Property: 648 W 10th St, Loveland, Filed: 10/13/11 • Borrower: Richard Rogers, Lender: Jpmorgan Chase Bank National Assoc, Amount: $115,910, Property: 229 Blossom Dr, Loveland, Filed: 10/14/11 • Borrower: Barbara Gygax, Lender: Bank Of America Na Successor, Amount: $118,528, Property: 520 E 5th St, Loveland, Filed: 10/17/11 • Borrower: Ronald & Sheila Mcdowell, Lender: The Bank Of New York Mellon, Amount: $172,837, Property: 3966 Driftwood Ct, Loveland, Filed: 10/17/11 • Borrower: Robert &
lender because it wanted some prospective buyers to bump up their offer by 5 percent. The market changed and the buyers decided to buy something else. Two years later, the home is still on the market. So what can you do? Research the market and know what homes should sell for in the area; be prepared to walk from the deal if the lender is not responsive in the short sale process. You can also ask real estate brokers and attorneys that deal in short sales to see if one lender is better than another in handling short sales. In some regions, certain lenders have become quite fast and efficient in handling short sales, while others have not gotten their act together. If you can find out which lenders are willing to work with their borrowers, you’ll have an edge. Before you make an offer on a home, try to find out what lender has a mortgage on the property. If you know the name of the lender, you can at least know whether you have a better chance of getting the property. Also, if the property you’d like to buy has only one loan, you have a better chance of getting the short sale approved. If multiple lenders are involved, it’s much more likely that at least one will drag its feet in getting the deal closed, or reject it altogether. Thus, if you know which lenders are willing to deal, and if a property has only one loan, you have a better chance of getting the deal to go through. Finally, you also need to have a listing agent or attorney or other party that is representing the seller that knows the short sale process, and that can get things started early and process the paperwork to the lenders in an efficient manner. Question: My husband and I are 56 and 55 respectively. We have three college tuitions and two of three weddings done, and we are now thinking of taking advantage of the great prices for a vacation condo. We have enough cash for the 20 percent down payment, but won't have the full amount until we reach 59 1/2 and can cash out some of our investments. We both have 401(k)s, and full pensions when we retire. We first thought about taking an early withdrawal, but decided against that with all the penalties and taxes. We are now thinking in terms of a 5/1 adjustable rate mortgage (ARM) and paying it off when we reach the age where
Kirsten Grove, Lender: Gmac Mortgage LLC, Amount: $105,670, Property: 660 Madison Ave, Loveland, Filed: 10/17/11 • Borrower: Anne Miller, Lender: Bank Of America Na Successor, Amount: $130,026, Property: 1845 Elk Springs St, Loveland, Filed: 10/17/11 • Borrower: Robert Lazarony, Lender: Bank Of America Na Successor, Amount: $187,594, Property: 116 35th St Sw, Loveland, Filed: 10/17/11 • Borrower: Amber & Chad Delzeit, Lender: Deutsche Bank National Trust Company, Amount: $183,612, Property: 195 Cardinal Ave, Loveland, Filed: 10/18/11 • Borrower: Sean & Diane Rud, Lender: Deutsche Bank National Trust Company, Amount: $137,698, Property: 811 S Ouray Dr, Loveland, Filed: 10/18/11 • Borrower: Cat Pfaus, Lender: Colorado Housing And Finance, Amount: $115,987, Property: 204 S Olive Ave, Milliken, Filed: 10/17/11 • Borrower: Brian & Laura Snider, Lender: The Bank Of New York Mellon Trust Co, Amount: $125,779, Property: 835 S Lilac St, Milliken, Filed: 10/17/11 • Borrower: Trollco Inc, Lender: Guaranty Bank And Trust Company, Amount: $1,086,271, Property: 1399 Water Valley Pkwy, Windsor, Filed: 10/14/11 • Borrower: Trollco Inc, Lender: Guaranty Bank And Trust Company, Amount: $808,104, Property: 1357 Water Valley Pkwy, Windsor, Filed: 10/14/11 • Borrower: Trollco Inc, Lender: Guaranty Bank And Trust Company, Amount: $1,057,178, Property: 1341 Water Valley Pkwy, Filed: 10/14/11 • Borrower: Christine Pier, Lender: The Bank Of New York Mellon, Amount: $135,967, Property: 156 Crabapple Dr, Windsor, Filed: 10/19/11
we can withdraw without penalty. Is this a good idea? Do you have any other suggestions? Answer: Borrowing money at today's historic low interest rates is a very good idea. You'll need at least 20 percent down to get the best interest rate, and you can decide if paying 4.5 percent is a smart move or if you'd prefer to pay off the property over a few years once you have access to your 401(k)s and pensions. Prices are extremely cheap in some second home locations, and there are loads of foreclosures, some of which might be well worth a look in terms of value. We recommend that you try to buy something cheap that will sell easily in five or seven years, in case your plans change. We don't recommend 5/1 ARMs at the moment, simply because the fixed interest rates are so low. The best choice at the moment is a 15-year loan, if you can swing the payments. That will allow you to take advantage of even lower interest rates. That way, if you decide to keep the loan, you know you're protected against higher interest rate swings. (We recently refinanced to a 15-year at 3.25 percent, but the interest rate on a vacation home might be slightly higher.) One option would be to refinance your primary home (assuming it is paid off) to a 10year mortgage. Right now, those interest rates are hovering around 3.25 percent (or less). It's a great way to lock in a super-low rate. Essentially, you'll only be paying principal with very little interest in each payment. Run some numbers and then talk to at least three or four different lenders to get an idea of what it will cost you to finance this property. If your vacation destination is in another state, consider speaking with a lender that is local to that area. You'll want someone on the ground who really understands what happens locally.
For more information, call Glink’s radio show at 800-972-8255 on Sundays from 9 to 10 a.m., write to Real Estate Matters Syndicate, P.O. Box 366, Glencoe, IL 60022 or visit www.thinkglink.com.
Real Estate Matters
5401 Stone Creek Circle, Loveland, CO 80538 970.613.0700 www.thegroupinc.com
E6
Saturday Reporter-Herald November 5, 2011
H&RE Front Range Gardening
Out on a Limb Storm damaged trees need patience
2. One-inch outward from the undercut, saw downwards through branch. At the point of no return, the weight of the branch will snap the limb, but the undercut will stop bark tearing of the tree. 3. Make your last cut just outside the branch collar, the spot where branch and trunk join. CAROL O'MEARA Where the branch has torn from the tree, take a CSU EXTENSION sharp knife and remove all the jagged edges of bark around the tear. Cleaning up those wounds means f there was one good thing that came out of the fewer places for insects or disease organisms to heavy snowstorm of October 27, it was the forg- shelter. The tree will heal the wound itself, so ing of new friendships over the broken remains there’s no need for wound paint or the diapers, tar, of our trees. Above the din of chainsaws cutting the cement, and Elmer’s glue suggested by well-meancarcasses of maples, poplars, and elms, neighbors ing neighbors. came together to clear the debris and ponder the When working with your tree, use common sense miracle of modern pain relievers. and don’t stand under the branch you’re sawing. When snow storms punish your trees, take steps Limbs can be heavier than you realize, and a trip to to help them by clearing their branches, but not by the emergency room can be avoided if you move to grabbing the branch or trunk and shaking it. That the side when working. Ensure that the area under adds to the stress on the wood, often causing the branch is clear of objects you’d like to keep becracking or breakage. A better approach is to use a fore you start working, and above all, never work on broom to carefully knock off snow, using a rapid, a limb that is above a power line. upward sweep of the broom to dislodge snow with a If the tree is seriously damaged, with 50-percent rap to the underside of the branch. or more involved, it may need to be assessed to deOnce the storm passes, clean up broken limbs termine if it is in a dangerous condition. If you’re and leave it at that; pruning to shape the tree should wait, since the tree needs the energy stored not sure if your tree is a goner, contact an arborist in all of the live wood to recover. In general, healthy to assess it — hazard tree assessments require specifically trained experts to address this highly young trees can be shaped to restore their form one or two years from now, while older trees should technical situation with potentially serious legal complications. Many city foresters and certified arhave a minimum of two years or longer to recover borists have the training and insurance to perform before shaping takes place. But a tree’s recovery depends upon its health prior to the storm and the hazard tree evaluations. Check out the Colorado State Forest Service’s amount of damage; if you are in doubt, contact an Caring for Storm-damaged Trees at arborist to assess the tree before pruning it. http://csfs.colostate.edu/pdfs/111317 If your tree has broken branches, clean the -csfs-storm-dmgd-trees-6panel-www.pdf. wound, making it as neat as possible. In cases where the limb splintered away from the trunk, prune behind the break to make a clean cut, either Carol O’Meara is with just in front of a healthy side branch or the branch collar against the trunk itself. Branch collars are CSU Extension in the slight swelling where the limb joins the trunk. Boulder County. If possible, trim branches to leave a clean cut, Contact her at making sure you follow the three steps for proper 303-678-6238 or pruning (which prevent bark tears): comeara@co 1. Twelve inches away from trunk or from where .boulder.co.us. you want the prune to be, make your first cut on the underside of the branch, sawing upwards Front Range Gardening through one-third of the branch.
I
TLC for Tender Bulbs ANNE WUERSLIN CSU EXTENSION
W
hen leaves fall and frost arrives, the garden goes to sleep. People usually consider fall a time for planting spring-flowering bulbs such as tulips and daffodils, which can overwinter in the ground. But, part of garden clean-up is to dig tender bulbs, tubers, corms and rhizomes and put them in proper storage, as the Colorado winter temperatures are too cold for their survival. Often what was planted in the spring will have multiplied, and next season, you’ll have more blooms at fraction of the price. Botanically speaking, a true bulb is a collection of leafy scales and contains the growing point of the plant in the center. Corms (gladioli, crocus) are solid, modified stems with a tunic sheath. They replace themselves yearly by growing new corms or side cormels on top of the old. Tubers (dahlias, tuberous begonias) are thickened stems which grow larger and larger each season, usually from an underground leading point called an eye. Rhizomes (iris, lily of the valley, cannas) are modified swollen stems which have adapted to lie and grow parallel to the soil surface. They multiply season to season, sending out growing stems at intervals to the surface. Gladioli corms should be dug up before a true hard frost. Cut the sword-
like foliage down to one inch above the parent corm, shake off the soil, and let air dry for one to two weeks, out of the sun (a garage or basement works well). Gently separate the original corm and discard; keep new corms and place them in paper bags. You may want to label the bloom colors on the bag. Some moth flakes in the bags will help prevent against thrips overwintering, if this was a problem in your garden. Store the bagged corms in a cool basement or garage, at 40-50 degrees F. Hardy crocus corms can stay in the ground for winter; they tend to clump, due to new corm growth next to old, creating a more spectacular bloom show in spring. Wait for the foliage to blacken from frost before digging up dahlia tubers. Use a garden fork or small spade, taking care not to slice into the tubers or break off the necks which are attached to the crown of the plant. Cut off dead foliage and stems to about two inches, turn over and drain out any water from the hollow stem. Let superficial soil remain and do not wash tubers — this will prevent excessive drying out and shriveling during the winter. Label the color and varieties of the dahlias. Store stem side up in a darkened cool box which can be lined with black plastic and filled with sawdust, vermiculite, or peat moss (do not use garden soil). Take care not to let the tubers
dehydrate. Storage should be cool and somewhat damp, around 35 to 45 degrees, always above freezing. In March, replant indoors for a head start on summer growth or wait until the last frost has passed in spring, around May 15, and plant in the ground. Tuberous begonias, as well as caladium tubers, can be dug after a light frost when the foliage turns brown. Take the stems with some soil and air dry for one to two weeks. At this time, the stems should separate from the tuber. Shake off any remaining soil and store in bags (paper or perforated plastic) with peat moss, perlite or dry vermiculite, and store like gladioli corms. They can be potted up indoors in February for eventual placement outdoors after danger of frost has passed. These summer-blooming bulbs are show-stoppers in the garden, and will bloom reliably year-after-year. For more information on summerblooming bulbs, visit the CSU Extension website at www.ext.colostate.edu and read Fact Sheet #7.411. Anne Wuerslin 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, telephone 970-498-6000 or visit www.larimer.org/ext.