Real Esate Guide

Saturday Reporter-Herald January 15, 2011 E1

Real Estate Matters

www.homeandrealtyguide.com • Saturday, January 15, 2011 • Reporter-Herald

State counties rated high risk for radon

Last-minute options to stop foreclosure

JENNIFER LEHMAN SPECIAL SECTIONS REPORTER

T

he EPA estimates 20,000 lung cancer deaths are caused by radon gas each year.

The naturally occurring odorless and tasteless gas is a byproduct of decaying uranium in the soil and can enter any home or building through a crack or crevice in the foundation, or through open dirt crawl spaces, said Bryson Wise, president of Bwise Radon Testing and Mitigation in Fort Collins.

The EPA names radon as the second leading cause of lung cancer next to smoking. Smokers exposed to radon are at higher risk for lung cancer, the agency’s website noted, and radon poisoning is the number one cause of lung cancer in nonsmokers.

The EPA has mapped three zone levels of radon potential for the nation’s counties. The Colorado radon zone map puts the majority of counties in Zone 1, the zone with highest potential for elevated radon levels, though the EPA recommends all homes be tested because homes with high levels of the gas have been found in Zones 2 and 3 as well, designated for moderate to low

ILYCE GLINK TRIBUNE MEDIA SERVICES

Q

uestion: I own a rental property and am trying to go through a modification program for that property. After spending a year on this, I got rejected, and my house is in foreclosure this week.

The lender told me that I can reapply for another loan modification program, but it takes 24 hours to remove the house from the foreclosure stream.

Now, I’m being told there is nothing I can do. Can you help me? What are my options?

Answer: You can always file for bankruptcy, which would stop the foreclosure, but if you are hours away from a foreclosure sale on the courthouse steps, your time may be running out.

If you file for bankruptcy, the bankruptcy will stop the foreclosure until the lender appears before the bankruptcy judge to get permission to move forward on the foreclosure. You I See GLINK/Page E2

potential.

Radon testing can be done through a professional radon tester or by purchasing a take home kit that includes lab analysis and mailing the sample to a certified lab, Wise said.

Radon tests should be done roughly every two-to-five years, said Brian Woodruff, Environmental Planner with the City of Fort Collins.

Home test kits can be purchased at hardware stores, and the City of Fort Collins sells test kits at cost through the Fort Collins Senior Center and the Fort Collins Development Review Center. Fort Collins residency is not required to purchase one of these kits.

If test results reveal unsafe levels of radon, a radon mitigation system might be needed, Wise said.

The most common type of radon air mitigation system is called ac-

tive soil depressurization , Wise said.

A PVC vent is installed beneath the structure and runs to the top of the home. A fan is installed to constantly move gas from beneath the building or crawl space, before it can enter the home, and then it is exhausted into the air above the home, Wise said.

Many new homes are being built radon-resistant and radon resistance construction is mandatory for new homes built in subdivisions in Larimer County, Woodruff said.

Radon-resistance in new homes consists of installing the pipe portion of the typical mitigation system during the building process, Woodruff said.

Without the fan actively sucking out the radon, this is called a passive system, Woodruff said, but on average can reduce radon levels by 50 percent on it’s own. During construction a space is left for a fan in

the attic or garage for a potential installation of an active radon reduction system in the future, making the home “fan-ready” or “radonready,” Woodruff said.

Radon tests should be done before buying a new home, Woodruff said, and can be part of the buyer’s inspection. However, even if the level is high, buyers shouldn’t be scared away from the deal because radon can always be fixed.

“If you have that dream home and it’s got radon, buy it.”

Radon levels can vary greatly even in homes right next to each other, Woodruff said.

“There’s no way to tell the hot neighborhoods.” Radon levels can range high to low from house to house on a single street.

It is important for homes to be tested but there is no harm in commercial properties getting tested as well and schools are regularly tested, Woodruff said.

FOR MORE INFORMATION:

“There’s no way to tell the ‘hot neighborhoods.”

Radon levels can range high to low from house to house on a single street.

— Brian Woodruff, Environmental Planner, City of Fort Collins

•www.epa.gov/radon/ •www.cdphe.state.co.us/hm/ rad/radon/index.htm •www.ext.colostate.edu/pubs/ consumer/09953.html

Inside Insidethis thisweek’s week’sHome Home& &Real RealEstate Estate

Property of the Week

Real Estate Transactions

2509 Mary Beth Dr., Loveland

Listings from Front Range properties recently sold

Director y

Page E2

Page E3

Page E3

UP TO $199,999 PRICE REDUCED!

$200,000 - $299,999 GREAT STARTER HOME!!!

Plant an herb garden Page E4

$300,000 - $399,999

OPEN SUNDAY 1-4 P.M.

4629 N Franklin Avenue

2509 Mary Beth Dr.

3343 Sedgwick Circle, Loveland

3 bed/3 bath home on a beautifully landscaped corner lot! Newer stainless steel appl., roof & paint. Hot tub room & sunroom.

Large family room and oversized garage.

MLS#634133 $199,900

Incredible 2-Story! Open floor plan located in popular Westwood subdivision! 3 bdrm with office & 3 1/2 baths! Professionally finished bsmt! Redwood deck & much more. Priced at $219,900. Open Sun. 1-4

4 bed, 3 baths, 3 car tandem garage, 2 story in Hunter’s Run. Almost 3700 sf, hardwood floors, & 2 story great room. Directions: W on 29th past Wilson, right on Hudson, left on Sedgwick. $275,000.

Steve Baker 970-302-0879 Felipe Sorzano 970-222-4423 or 970-330-7700 stevebakerrealestate.com

Kim Carey-Haass RE/Max Advanced Inc. 970-556-2889 cell kimhaass@yahoo.com kimhaass@yahoo.com

Hosted by: Kelly Swift 970-310-4876 RE/MAX Alliance 970-226-3990 970-231-8420

MARIANA BUTTE $319,000. SAT. & SUN. 12:30-3:30 One of Northern Colorado’s finest Golf Coarse Communities. 4 bed, 3 Bath, 3-Car, 2 Story. Features include custom interior paint, granite counter tops, newer flooring, fabulous living and dinning rooms, main floor den, 2 story great room, large master 4688 Twin Peaks Court with bay window, fenced yard, all bordering a expanded green belt.

Rick L. Kelleher This property is located on a culColdwell Banker Residential Brokeage de-sac lot with island parking, 970-980-7218 plus lake and mountain views. A ricklkelleher@msn.com Must See Home at a Great Price! coloradohomes.com

$300,000 - $399,999 OPEN SATURDAY 10 A.M. TO 1 P.M.

OPEN HOUSE SATURDAY 11-2PM

VINTAGE VICTORIAN-$324,000

GREAT CLOSE-IN BERTHOUD ACREAGE!

1358 Crabapple Drive, Loveland

2640 East Highway 402, Loveland

360 Bunyan Ave.-Berthoud

920 E. CR 8-$323,500

Spectacular N. Loveland Patio Home Style with the finishes you love-Hardwood, Granite, A/C & Landscaping. Alford Meadows new construction ready to occupy! Option for yardcare & snow removal. $315,000.

Wonderful 3 bd, 2 ba ranch style home with mtn views. 3 car garage. 5.43 acres could be used for horse facility or could be a great in-home commercial business. Water rights included. $325,000

Historic 2769 sq ft home w/3BD, 2BA on a .65 acre lot! Remodeled kitchen w/tin ceiling, marble counters, stainless steel appliances & ceramic tile! New cherry hardwood floors & remodeled bathrooms!

Fully fenced 5.22 acres ready for hobbies/ horses! NEW windows, window coverings & appliances! Lg. country kitchen w/2-sided stone fireplace! 2-car detached garage, loafing shed & nicely landscaped yard!

Franci Wunderlich 667-1828 RE/MAX Alliance 970-669-1234 750 W. Eisenhower Blvd.

Loveland, CO 80537 franciw@remax.net

Ursula Albers Century 21 Humpal, Inc. 970-231-0548 Ursula.Albers@century21.com

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

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

$500,000+

LAND FOR SALE

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

OPEN - SAT 11-2

NEW CUSTOM RANCH-288 RESERVOIR

Warberg Farm at Chapman Reservoir

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

OPEN Sat 11-2PM. 2+ Acre Lake front & horse lots starting $199,000. Surface rights, walk paths, parks, boatdocks, fishing and peace garden.

03-322850

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

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

Find the Home You Love Search to your heart’s content at homeandrealtyguide.com, your online and print real estate source.

homeandrealtyguide.com Your online and print resource for residential, commercial and land for sale

Saturday Reporter-Herald January 15, 2011 E2

H&RE Property of the Week 2509 Mary Beth Dr., Loveland Price: $219,900 Finished Square Feet: 2,037 Bedrooms: 3 Bathrooms: 3.5 Year Built: 1998

T

his two-story home features an open floor plan with three bedrooms, an office and three-and-a-half bathrooms. It has vaulted ceilings, an eat-in kitchen and a professionally finished basement, redwood deck out back and much more. The home is located in the Westwood subdivision.

Contact:Kim Carey-Haass, RE/MAX Advanced Inc., 970-556-2889 or kimhaass@yahoo.com

Open house Sunday 1-4 p.m.

Regional Snapshot for Loveland/Berthoud Residential Home & Real Estate is produced every Saturday by the Loveland Daily Reporter-Herald.

October

November

December

Active Listings Previous Year Active Listings

969 963

903 882

834 842

Sold Listings

105

90

90

$211,000 $201,500

$206,819 $194,900

$219,777 $245,000

121 127

131 127

130 128

DISPLAY ADVERTISING 669-5050

Year to Date Listings Sold Previous Year YTD Listing Sold

1,160 1,110

1,250 1,205

1,340 1,297

CLASSIFIED ADVERTISING 635-3650

Monthly Volume Previous Year Monthly Volume

$27,400,541 $32,560,029

$24,289,790 $22,476,776

$26,065,297 $26,273,366

Median Sales Price Previous Year Median Average Days on the Market Previous Year ADOM

cations the last several years. Some borrowers were lucky and received loan modifications, but most others who applied ended up worse off than they were when they started the process From Page E1 with the banks.

It seems that people who came forward to apshould consult immediately with a real estate ply for loan modifications found out that most attorney or bankruptcy attorney to assess your banks gave them “trial� modifications, then legal options and to figure out whether you can many of those same banks proceeded to report find a way to make this work out for you. those borrowers as delinquent or as having paid less than what they were supposed to on their These days there are plenty of people going loans. These borrowers’ credit scores and credit though the same situation, and many of them histories were damaged by their attempt to have started to put up a fight against the banks. If you have some legal justification to go modify their loans. up against your lender, you can have an attorSome borrowers found that they could only ney appear before the judge handling the fore- apply for a loan modification if they stopped closure hearing and try to prevent the sale, or paying their mortgages. Still others found out at least stop it to give you time to defend your- that they would not qualify for a permanent self in the foreclosure proceedings. loan modification months and months after applying, only to find out that their lender now If you feel you were unfairly denied a modifiwanted them to repay their loans in full or cation, you can file a complaint with the regumake up any reduction in their payments while latory agencies. If it’s a nationally chartered bank (such as Bank of America, Citibank, Wells they were in the trial period.

Fargo or Chase), go to www.helpwithmybank While you can complain about not getting a .gov, a website run by the Office of Comptroller loan modification, you’ll need some reason why of the Currency. However, you should know that you feel that the bank was required to give you most home borrowers failed to get loan modifi- a loan modification and didn’t.

GLINK

EDITORIAL INFORMATION 635-3656

Mortgage rate update This week Last week Trend

30-year fixed

4.76%

4.86%

15-year fixed

4.06%

4.15%

5/1 ARM

3.43%

3.62%

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

fees, late fees and any other fee you can imagine. All these fees add up quickly and can eat uestion: Let’s say someone buys a through any equity. After all those costs and home with a 30-year loan, and after 25 fees are subtracted, if there’s any cash left from years has to let the house go into fore the equity, the homeowner would get it. closure because the homeowner loses Obviously, if you have that much equity, it his job and can’t make payments. would make much more sense to quickly try to When the lender takes the home away from the buyer, and sells it to recover what is left on sell the home yourself and preserve as much equity as possible. Generally, the costs of sellthe loan, does the buyer get to keep any extra ing a home with a substantial amount of equity equity from the home appreciation? even at a distressed price would likely be less In other words, if the house is worth $100,000 but the remaining loan balance is on- than all of the costs incurred by the bank in foreclosing on the home. ly $20,000, if the lender forecloses and takes If the homeowner was over 62, he or she the property, and sells it, would the seller or the could get a reverse mortgage to tap into that lender get the extra equity? I imagine that equity, pay off the remaining mortgage and stay whatever is left over that is given to the buyer would be after sales commissions and other ex- in the home. But you’d have to determine what the issues are preventing a homeowner from penses are paid. paying a loan that has a $20,000 balance. UsuIs this how it works? ally each payment made during the last five Answer: Yes, if there’s any cash left in the years of the loan is mostly applied towards the property, the former owner of the home would principal owed, and little goes towards interest. get it.

If there are any family members who can asBut it’s a game that homeowners aren’t likely to win. The foreclosure process can be quite ex- sist this homeowner in paying of the balance pensive. Lenders impose loads of fees onto the that’s left on the mortgage, that could save the home and thousands of dollars in foreclosure loan balance and then include all attorneys’ fees. fees and court costs, along with paperwork I hope this works out for you.

Q

Open Houses This Weekend - www.thegroupinc.com ICJ6K CKL&6KL,

:3K=K &8J:= 2CK 0(2LKL,

SATURDAY 1:00 - 3:00

FRIDAY-SUNDAY 1:00 - 4:00

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SATURDAY 1:00 - 3:00

SATURDAY 1:00 - 3:00

1049 Grant Avenue, Loveland C # * 255 Carina Circle #104, Loveland 4 # ! == 3655 Carbondale Street, Loveland ! 835 W. 7th Street, Loveland E! # D ! $ % * + % (7 D ! $ $ ) 7 ! # $ # ! % : # % ( 1! ) 2 3 % *! 4 % 8 7 7 $% : ) ! !+ ! # # % $ $ , 3(2 # 7 0 $ 5 # % 6 ) # 7 # $ % * ! % F

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SATURDAY/SUNDAY 1:00 - 3:00

$173,000

Priced From $151,000

$187,000

$189,900

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Call Rich Gardiner 227-0964

481-9801

Call Michelle Hubbard 690-6706

Call Cindy Kurtz 962-6832

SATURDAY/SUNDAY 1:00 - 3:00

1506 Farmland Street, Loveland - Ranch style home. Open 1529 Dryland Street, Loveland - Brand new ranch ) $ / $ / # % @S ! : ; < 6 !#+ , 2L2 # % * 7 = 7 # , 6 # $ 7 $! ! % 6 7 #/ 7 ! details. # $ # $ # # 26 %

$279,000 >0=?@''99

Call John Simmons 481-1250

SATURDAY/SUNDAY 12:00 - 5:00 7409 Pimlico Drive, Windsor * !+ ! ' %5

) $ / # # $ $

7 D #/ $ # % (!

# 7 ! $ ! $ U# # % 2 / ! ! $ ! # +7 ,

TUESDAY - SUNDAY 1:00 - 4:00

SATURDAY 1:00 - 3:00

1746 Monarch Circle, Loveland

4630 Tarragon Drive, Loveland - NEW PATIO HOME MODEL

IN THOMPSON CROSSING% 6 # @ # # ! ! " # $ % & ! ' $ $ + $ 7 7 3(2 ! % # $ $ % ( ) % & $ # % 6 7 # + !#/ % K X Y * !+ ! !$ ! , * #/ # % 0 # #! ! / ## J 5% 0 # 7 $ , in High Plains Village close to shops and dining.

$288,500

$314,900

$339,000

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Call Mark Moran 218-1891

Call Carole Newberry 443-4047

Call Dianne Breneman 222-8549

Call Kathy Albertz 690-6011

$299,900

Online version of publication at www.thegroupinc.com containing links to detail pages for most listings. rado rn Colo Northe Source

SATURDAY/SUNDAY 12:00 - 5:00

SATURDAY/SUNDAY 1:00 - 4:00

7407 Pimlico Drive, Windsor * 7 5 4743 Sorrel Lane, Loveland - AVAILABLE NOW! Ranch plan ! % ' * $ ! $ % #/ $ # 7 $ % : (7 D #/ $ # % 0 # Q

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! # ! $ / # # ! $ $ Q % 2 ! , 2 / ! ! $ ! / 5 # # $ # 7 + # +7

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SUNDAY 1:30 - 3:30

SATURDAY 1:00 - 3:00

503 Eagle Crest Court, Loveland ' % %9@ # % ' M ! ! !

7 $ $ $ / / / % > ! $ # ! == # + ) 26 7 D $ $ 26N ;! # N 3 3 6 G # 3! %

3169 Blue Mountain Court, Loveland I 7 %9A # % < # ! #! # # J + $ # D % 4 # 7

# $ $ ! % Q ! ! # % 8 $ %

$344,000

$365,000

$429,000

$680,000

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Call Kristen Specketer 290-8097

Call Valerie Schlageter 214-3464

Call Mike Smith 518-0645

391-4735

tate Real Es w w w.

02-322765

thegr

oupin

c.com

Saturday Reporter-Herald January 15, 2011 E3

H&RE Real Estate Transactions Real Estate Transactions are supplied by Prospects Unlimited Inc., 1151 Eagle Drive No. 467, Loveland, CO 80537, 970-667-1537.

Cs Vandelay Real Estate Holding, 15354 Big Bear Rd, Loveland, $196,900, home • Christina Weiss from Federal Home Ln Mortgage Corp, 2617 Haxtun Ct, Loveland, $145,000, • Alberto Chavarria home from Joni Pepper, 2306 • Sandra Zapolski from Osage Ct, Loveland, Jerry Houston, 724 Maple $135,000, home Dr, Loveland, $325,000, • Justin & Whitney home Adams from Daniel • Paul Decker from Spencer, 373 E 42nd St, Loveland, $182,000, home Bank New York Mellon, 1149 Roosevelt Ave, Love• Stephen & Tara Gitt land, $115,000, home from John Warnock, 751 • Robin Bonn from Beaver Cove Ct, Loveland, Christopher Counts, 5620 $598,500, home Meyers Dr, Loveland, • Matthew Polansky $138,000, home from Hal Andersen, 2534 Begonia Ct, Loveland, • Linda & Jonathan Hi$193,000, home bbert from Fannie Mae, • Thorton Streeter from 4318 Hawg Hollow Ln,

Loveland

$285,000 The original owners of this home in Country Club Estates have taken impeccable care with high quality, innovative features. Includes Centennial Recreation Club membership (swimming pool, tennis).

• Brett & Patricia Floyd from James Hinojos, 1435 S County Road 17, Berthoud, $350,000,

Estes Park • Donald & Irene Reeb from Jon Sonstroem, 1600 Wapiti Cir Unit 19, Estes Park, $430,000, condo • Henry & Helen Baird from Lisa Paradise, 1241 Country Club Dr, Estes Park, $130,000, home • Jill & William Hamme from Roger Schuett, 1250 S Saint Vrain Ave Unit 11, Estes Park, $100,000, con-

do • James & Barbara May from Stonebridge Estates LLC, 1175 Fish Creek Rd, Estes Park, $529,000, home • Thomas & Susanne Tarczali from Ronald Pitts, 820 S Saint Vrain Ave, Estes Park, $172,000, home

Johnstown • Tanya Bevil from Oakwood Homes LLC, 3807 Kenwood Cir, Johnstown, $232,500, home • Zebediah Wells from Ryland Group Inc, 2779 White Wing Rd, Johnstown, $245,000, home • Christopher & Angel Mallory from Ryland Group Inc, 2724 S Mus-

$204,500, home • Jared Waterhouse from Sean Ebright, 600 Innovation Cir, Windsor, • Brian & Rhonda $200,000, home Smith from George West, • Charles & Phyllis 2355 Birdie Way, Milliken, Mchenry from Hartford $265,000, home Homes Inc, 6124 Bay • Rocky LLC from BK Meadows Dr, Windsor, Am, 47 W Hawthorne St, $471,400, home Milliken, $100,500, home • David & Cherie Menke • Christopher Jones from Hartford Homes Inc, from Zach Chicoine, 219 S 7062 Crystal Downs Dr, Ethel Ave, Milliken, Windsor, $420,300, home $140,000, home • Gregory & Natalie Tishkowski from Chad • Scott & Deborah Mat- Kruse, 306 Fieldstone Dr, Windsor, $276,500, tison from Aspen Homes home Colo Inc, 55 Veronica Dr, • Alan & Shannon DiaWindsor, $442,700, home mond from Melody Homes • Kristen Philbrook Inc, 620 Botley Dr, Windfrom Joshua Noel, 968 sor, $331,300, home Durum Ct, Windsor,

covey Ln, Johnstown, $274,400, home

Milliken

Windsor

NEW NORTHERN COLORADO HOMES N

3112 Allison Drive - Loveland, CO

Quality Country Club Home!

Berthoud

home • Mary & Ricky Scott from Mark Guzinski, 2253 Jones Pl, Berthoud, $530,000, home • Rene Cervantes from Steven Parmley, 405 5th St, Berthoud, $170,000, home

1

W

E

2

Open Sun. 12-2 1435 Massadona Place, Loveland, 80538 • $339,000 Unique Homes with Quality you Deserve

Open Sun. 2-4 193 Cobalt Ave, Loveland 80537 1st & Boise Starting in the Mid 100’s

Starting in the Mid 200’s

S

25 1

03-321992

3+ Bedrooms 3 Bathrooms Total Sq. Ft. 3,390

Open Floor Plan. 3.25 oak floors in Kitchen, dining and great room. 42 inch Knotty Hickory Cabinets. Full tile back splash. Granite in kitchen, master bathroom, 2nd bath and laundry

970.217.7977 97

2 Megan W Wachtman h

HOST: Betsy Burns, CRS Broker Associate

Julie Stinson

03-322098

OPEN HOUSE Saturday 1-3pm

Loveland, $149,900, home • Anthony Logan from Terry Hott, 2008 S Douglas Ave, Loveland, $120,000, home • Dewayne Kontz from Sold Already LLC, 3668 Catalpa Ct, Loveland, $167,000, home • Christopher Campbell from Meisen Mok, 5837 Aspen View Ct, Loveland, $205,500, home • Mark & Katherine Rau from Warberg Farm Development LLC, 3175 Sophia Ct, Loveland, $205,000, home

Megan Meg an Wachtman W h

970-217-7977

www.MeganWachtman.8z.com www.COhomefinder.com

970.679.8590

03-322097

Cell (970) 215-1776

02-321056

saturday HRS

sunday

PRICE

LOCATION

ADDRESS

OFFICE

PHONE

From the $140’s*

NW LOVELAND

43RD & WILSON AVENUE THE COTTAGES AT 12-5 ENCHANTMENT RIDGE

THE COTTAGE REALTY 970-532-5900

$151,000

SE LOVELAND

255 CARINA CIRCLE #104

1-4

THE GROUP, INC.

$169,900* NW LOVELAND 4403 ELLIOT PLACE

12-5

THE COTTAGE REALTY 970-532-5900

$173,000

SW LOVELAND 1049 GRANT AVENUE

1-3

THE GROUP, INC.

970-227-0964

$187,000

NW LOVELAND 3655 CARBONDALE STREET

1-3

THE GROUP, INC.

970-690-6706

$189,900

SW LOVELAND 835 W 7TH STREET

1-3

THE GROUP, INC.

$232,000

NW LOVELAND 4496 HAYLER AVENUE

$279,000

PRICE

LOCATION

ADDRESS

HRS

OFFICE

From the $140’s*

NW LOVELAND

43RD & WILSON AVE THE COTTAGES AT ENCHANTMENT RIDGE

12-5

THE COTTAGE REALTY 970-532-5900

$151,000

SE LOVELAND

255 CARINA CIRCLE #104

1-4

THE GROUP, INC.

$169,900* NW LOVELAND 4403 ELLIOT PLACE

12-5

THE COTTAGE REALTY 970-532-5900

$184,000

NW LOVELAND 3978 BOULDER DRIVE

12-2

COLDWELL BANKER 970-669-4602

970-962-6832

$232,000

NW LOVELAND 4496 HAYLER AVENUE

12-5

THE COTTAGE REALTY 970-532-5900

12-5

THE COTTAGE REALTY 970-532-5900

$275,000

NW LOVELAND 3343 SEDGWICK CIRCLE

1-4

RE/MAX ALLIANCE

970-310-4876

NW LOVELAND 1506 FARMLAND STREET

1-3

THE GROUP, INC.

970-481-1250

$279,000

NW LOVELAND 1506 FARMLAND STREET

1-3

THE GROUP, INC.

970-481-1250

$288,500

WINDSOR

12-5

THE GROUP, INC.

970-443-4047

$288,500

WINDSOR

12-5

THE GROUP, INC.

970-443-4047

$298,664

NW LOVELAND 4355 RIDGWAY DRIVE

1-4

THE COTTAGE REALTY 970-532-5900

$298,664

NW LOVELAND 4355 RIDGWAY DRIVE

1-4

THE COTTAGE REALTY 970-532-5900

$299,900

NW LOVELAND 1529 DRYLAND STREET

1-3

THE GROUP, INC.

970-218-1891

$299,900

NW LOVELAND 1529 DRYLAND STREET

1-3

THE GROUP, INC.

$314,900

NE LOVELAND

1-3

THE GROUP, INC.

970-222-8549

$315,000

NW LOVELAND 1358 CRABAPPLE

10-1

RE/MAX ALLIANCE

970-667-1828

$319,000

SW LOVELAND 4688 TWIN PEAKS CT

12:30-3:30 COLDWELL BANKER 970-980-7218

$319,000

SW LOVELAND 4688 TWIN PEAKS COURT

12:30-3:30 COLDWELL BANKER 970-980-7218

SW LOVELAND

¼ MILE WEST OF WILSON ON 14TH ST SW/ 12-4 HWY 402 TO THE DAKOTA GLEN SUBDIVISION

GLEN MARKETING

970-663-4522

$323,400

¼ MILE WEST OF WILSON ON 14TH STREET SW LOVELAND SW/HWY 402 TO THE DAKOTA GLEN 12-4 SUBDIVISION

$323,400

GLEN MARKETING

970-663-4522

$339,000

SE LOVELAND

4630 TARRAGON DRIVE

1-4

THE GROUP, INC.

970-690-6011

$339,000

SE LOVELAND

4630 TARRAGON DRIVE

1-4

THE GROUP, INC.

970-690-6011

$344,000

WINDSOR

7407 PIMLICO DRIVE

12-5

THE GROUP, INC.

970-290-8097

$344,000

WINDSOR

7407 PIMLICO DRIVE

12-5

THE GROUP, INC.

970-290-8097

$365,000

SE LOVELAND

4743 SORREL LANE

1-4

THE GROUP, INC.

970-217-3464

$365,000

SE LOVELAND

4743 SORREL LANE

1-4

THE GROUP, INC.

970-217-3464

$389,750

SW LOVELAND 975 PRISM CACTUS CIRCLE

12-4

GLEN MARKETING

970-663-4522

$389,750

SW LOVELAND 975 PRISM CACTUS CIRCLE

12-4

GLEN MARKETING

970-663-4522

$680,000

SW LOVELAND 3169 BLUE MOUNTAIN COURT

1-3

THE GROUP, INC.

970-391-4735

$429,000

SW LOVELAND 50 EAGLE CREST COURT

1:30-3:30

THE GROUP, INC.

970-518-0645

$895,000

SW LOVELAND 288 RESERVOIR DRIVE

1-4

PREMIER LIFESTYLE 970-481-5512

$895,000

SW LOVELAND 288 RESERVOIR DR

1-4

PREMIER LIFESTYLE 970-481-5512

7409 PIMLICO DRIVE

1746 MONARCH CIRCLE

970-481-9801

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

7409 PIMLICO DRIVE

PHONE

970-481-9801

970-218-1891

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 January 15, 2011 E4

H&RE Front Range Gardening

Carol O’Meara is with CSU Extension in Boulder County.

Contact her at 303-678-6238 or comeara@co .boulder.co.us.

How to grow an

Herb Garden CAROL O'MEARA CSU EXTENSION, BOULDER COUNTY

I

n the first winter of my marriage, I wanted to cook a fabulous meal for my husband to make up for all of the awful meals I’d been cooking for him up until that point.

As this was before the internet was anything other than a twinkle in someone’s eye, I opened a cookbook to look up a recipe, which is what those kitchen paperweights were used for prior to phone apps and googling.

Before me was a wonderful recipe for Tarragon Veal Croquettes, calling for fresh tarragon, chives, and parsley. It might as well have called for eye of newt and toe of frog, because I had no idea where to find them. I didn’t even know what they looked like.

Fortunately, one of our neighbors provided a few snips from her windowsill garden and my dish was saved. From

that moment on I vowed to grow herbs myself. Armed with the confidence of the young, I brought home basil, chives, and thyme. I spent more time arranging them on the windowsill than learning how to care for them.

My first attempt at growing herbs indoors taught me that over-watering them leads to a slimy, smelly mess. Apparently waterlogged soil becomes anaerobic, and without oxygen starts to smell like a sewer, which is not good for impressing a new husband with dazzling kitchen prowess. Most herbs don’t need a lot of water, so if you’re growing them, place them in quick draining containers and allow them to slightly dry between watering.

Light is also important.

Mine were on a north-facing windowsill and got little sunshine. They grew tall and spindly, falling over onto

Front Range Gardening

the counter. “They’re leggy from too little light,” my neighbor said, making me consider buying them stockings.

To avoid the common problem of tall stems with spindly growth, herbs need five hours of direct sunlight or twelve hours of artificial light per day.

If using artificial light, keep the plants three to four inches under it.

The right container is crucial; choose those that are at least six to eight inches deep with drainage holes. Decorative tins, old boots, or colorful crockery work well as outer pots to slide around the container the herb is potted in, to keep your window attractive.

Fertilize herbs, but do so lightly, using half strength fish emulsion or liquid kelp.

Thyme and oregano eventually became my favorites. Both perennials, thyme is a must for kitchens; its small leaves spill over quirky containers. And

oregano is easy to grow as long as it gets a sunny window and is pinched back to keep it bushy. Use the clippings in sauces and stews, or dry the sprigs for later.

Chives, garlic chives, and mint like moderately moist soil but harvesting can be tricky. Chive leaves will not grow past a cut high on the leaf, so snip each leaf near the base of the plant. Keep a container of mint growing to flavor Mojitos, or use in jellies, garnishes, or adding zip to steamed vegetables. Harvest by pinching stems just above the leaf junctions to encourage compact growth with more stems.

Should you want to try basil, it’s easy to grow, but can start shedding its leaves if conditions are too cool or the light isn’t bright enough. Most kitchens provide the right warmth, and as long as your window is south or west facing, you shouldn’t need extra lights. Try lime basil for marinades or cinnamon basil for salads.

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Try growing parsley, basil, chives and dill in your windowsill.

To place an ad, call 970-635-3650 or go to www.ReporterHerald.com/classifieds and place your ad any time of the day or night. Fax: 970-635-3677…email: classifieds@reporter-herald.com

Houses Apartments/ Commercial Unfurnished 4030 Industrial 4040 3 BD or 2 BD- Free rent!

Pets nego. Quiet & spac. $625-$795. 970-223-1349

Apartments/ Unfurnished 4030

LUXURIOUS UPSCALE APARTMENTS STUDIO, 1, 2, & 3 BEDROOMS- Pool, hot tub, 24 hr. fitness center, business center, coffee shop, salon, pizza & deli.

OPEN HOUSE, Mon-Fri 9am-6pm, Sat. 10am-5pm.

325 E. 5th St., Loveland.

1-888-822-9346

4080 Houses

WAREHOUSE w/ office $800/mo + utils. 107 W 7th St, Lvld Matt 970-631-0564

Condos/ Townhouses 4050 3 Bdrm, 2075 Grays Peak, $1050/mo. Avl 2/1. 1 car gar rmpm.com. 970-669-0842

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

”0“ UTILS! 1 or 2 room 3 BDRM- 2212 SW 3rd studios, vintage apts. On- 4957 Basswood Dr, Lvld, site mgmt. W/D, WiFi, Available now. $610/mo. $925- Fin bsmt, 1 car gar Call rmpm.com 669-0842 DirTV $335-$630 970-219-6353 2 bdrm, 1 ba, first & last month rent required. Water & trash paid by owner.

1 BDRM 29th & Taft area, frpl, WD hkup. $645 + dep, Call Hayes at (303) 929-2850 heat/wtr/trsh pd. Special ✭ 4854 Basswood, condo, Executive 1 BDRM Loft 1st mo. $350! 970-214-2057 2 bdrm, 1.5 ba, 2 story Spacious, well-appointed loft in Downtown Loveland available now, $650/mo + ✭ 1 BDRM apt, $500, The newspaper will dep. Faith Property with optional singe-car gaMobile Home $550, not knowingly accept (970)377-1626 rage. This beautiful 1100 sq rent includes utilities. any advertising for ft apartment is newly ren430 E Eisenhower. real estate which is in Estate Builder 970-667-3400 ovated, includes washer/ violation of the law. dryer, huge walk-in closet, All persons are hereby Lovely, Quiet 1 bdrm $440 private deck, new carpet, informed that all & 2 bdrm $540. Clean! No tile, and restored hardwood dwellings advertised pets/smoke. 970-667-1399 floors. $1100 per month. No are available on an smoking or pets. Call 2 BDRM- 1624 E. 17th, $625. equal opportunity 2 BDRM, 1 BA, bsmt apt, 970-980-6800 for application.

Patio, shared garage. basis. hkups, 1705 1/2 E 8th St, Call rmpm.com 669-0842 $725/mo Faith Property LARGE 1 bdrm, carpet, 970-377-1626 drapes, stove, DW, fridge, W/D hkp. NO pets. $500 + 1 BDRM, carport, electric 2 BDRM, 1 BA overlooking dep. 1502 S. Douty #1.

3 Bdrm, 2 ba, gar, w/d hkp, & water paid. 1225-1/2 E. park, large living room, 303-776-1287 or 303-747-2219 4th on alley. Sm dog nego. $700. 8 Birkley Ct. Lvld extra storage, ALL References required, $545 No/smk/pets. 970-667-3353 UTILITIES INCLUDED! Appt, 970-443-4072 $680/mo. 970-669-1375

Duplexes

2 BDRM, 1 BATH- 825 East 7th St- 900 Sq. Ft. off st. prkg, A/C, coin-op. $600/ mo. + dep. 970-481-2969

2 BDRM, $695/mo + elec, free heat & basic cable. New carpet & vinyl, fresh paint, newly remodeled ba.

No pets. 970-663-6787 or 970-430-0859

Commercial Industrial 4040

4060

Spacious 2 bdrm, 1 ba, gar, 203 SIOUX - BERTHOUD exc loc in culdesac. 3 bdrm 3 bdrm, 2 ba never rented! apt also avail. 970-308-7387 N/P/S. $1350, (720)237-1238

2880 SF Retail /w Office 138 E 7th St, Lvld Call 970-667-9983 or 290-3876 4 Offices, kitchen, storage.

925 Lincoln, $995/mo. rmpm.com Call 669-0842 6000 SF Retail/Warehouse on Hwy 287. Overhead door.

970-593-2401 or 970-227-7447.

Professional Business 2 BDRM apts: $625-$675+ Office Space For Lease!!! dep. Clean, fresh paint, sm Newly remodeled downpets neg. Lvlnd 970-308-4096 town professional 3-room office suite on the 2nd floor of the Stroh Building in ● 2 WEEKS FREE! Loveland. Lease price: 1 BDRM- 606 Eisenhower $450/month + utilities. $450/mo. New carpet Please contact Dan Stroh Call rmpm.com 669-0842 for details. (970)667-2837

Garages/Storage Spaces 4070 12´ x 24´ Cold Storage Garage, avail 2/1/11. $110/mo. Call 970-219-1914

1 CAR GARAGE- $75/mo.

Great for storage. rmpm.com. 970-669-0842

STORAGE 20 x 40 with 14´ overhead door. $325/mo. Call (970)481-5899

2 Bdrm, 925 Lincoln, $995 Classic! Great! rmpm.com. 970-669-0842

4080 Mobile Homes/ Spaces 4090 3 BDRM 2 BA Tri-level

2 car, cvd patio + deck 1311 Ellen Pl Avl 1/15 $1100/mo. Move Your Home FREE! No smk/pets 970-667-2147 LOT RENT STARTING @ $199. 250+ Communities to 3 BDRM, 2 ba, Tri-level, choose from. Offer expires 1/10/2011. 970-377-0990 frpl, gar, 766 21st St SW, $1250/mo Faith Property 970-377-1626 4 Bdrm- 2090 Luvesta $3495 Custom hone on 2 acres.

Call rmpm.com 669-0842 IMMED- very nice 3 bdrm, 2 ba tri-lvl, 3 car gar, new paint, A/C, spklrs. 3153 Blackberry Dr, no pets/ smk, $1250/mo. 970-667-7808 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

Office Space 4100 Downtown corner loc, bldg w/ 3 ofcs/recept area. 4 car prkg. $1000/mo 970-667-5145

Retail Space 4135 Retail & Office Spaces.

Starting at $225. Utilities Included. 970-613-1477

Get thee to a wormery JOE LAMP'L SCRIPPS HOWARD NEWS SERVICE

I

f thoughts of a steaming-hot compost pile in your backyard are just not practical for whatever reason, consider making a worm bin instead. It’s a great project for even apartment gardeners and a super project to involve kids.

Vermicomposting, or cold composting, uses worms, as well as microorganisms, to break down organic wastes into slow-release organic compost that’s rich in water-soluble nutrients available to plants with no danger of burning delicate roots. Vermicomposting works at about 80 degrees, with considerably smaller amounts of material and space requirements. And as odd as it may sound, many vermicomposters I know keep their bins under the sink or in their basement, for example.

Best of all, the worms do all the turning and digesting, churning out finely textured, crumbly and nearly odorless finished castings in a fraction of the time. These castings help plants fight disease, open up soil to air and water and even protect against soil-borne insects. They regulate soil pH, fight harmful fungi and can be brewed into a quick-acting foliar spray fertilizer “tea.”

With vermicomposting, the most common species of choice is Eisenia fetida, commonly known as redworms or red wigglers.

They live closer to the surface as they consume and digest decaying organic matter. They’re readily available from bait-andtackle shops or commercial Internet sources.

There are lots of sources for home worm bins and kits, such as catalogs or the Internet. Some bins are single units, like large trash cans; others have stacked modules that are easy to fill with scraps and to harvest the finished compost. Prices vary, but you can find a wide variety of choices between $60 and $120. The alternative to store-bought is to make your own wormery.

Redworms can work in a composter made of plastic tubs, such as lightproof Rubbermaid Roughneck storage boxes. The 12- and 18-gallon sizes are perfect for the scraps generated by an average family. One pound of worms per square foot of surface area can convert a halfpound of scraps per day, 14 pounds per week.

The bedding material, usually shredded newspaper with a little organic compost or garden soil mixed in, should be moist enough to form a crumbly ball without excess water dripping out. It’s layered with any kind of biodegradable organic matter, especially from the kitchen, with the exception of proteins like meat and fats, oils or dairy products. Typical additions include coffee grounds, small vegetable scraps, eggshells and fruit. Even damp paper-towel rolls are readily consumed. Feed the worms every other day with a half-pound of chopped scraps dug into one end of the bedding material or even placed across the top.

Drill several small holes into the bottom of the bin to allow excess liquid to drain. But have a way to collect and hold this liquid runoff. An extra inverted lid under the bin is ideal. This liquid diluted 10:1 with tap water that’s been left to sit for a day or so (to evaporate the chlorine) makes an excellent fertilizer. Just be sure to use immediately for best results.

In a couple of months, it’s time to harvest some of the rich dark castings. Keep in mind that the worms are where the food is. So a few days before harvest, concentrate the food on one side of the bin and scoop your castings from the other. Alternatively, if you have a way to collect the castings from the bottom, the worms tend to stay closer to the surface. But they don’t like light and, once exposed, they head deeper below the surface. A small amount of castings, about 10-15 percent of total soil volume, offers some pretty incredible results. Adding them to your seed starts or vegetable garden is a great place to begin.

A greener relationship with our planet starts with understanding how she works and working with her. These humble little worms, which leave behind better than they take in, are part of a system we’re just now starting to comprehend. Working with them, on their terms, helps us take our place in that system. And gets us some pretty terrific gardens in the process.

Joe Lamp’l, host of “Growing a Greener World” on PBS, is a Master Gardener and author. For more information, visitwww.joegardener.com.

Worms do all the turning and digesting, churning out finely textured, crumbly and nearly odorless finished castings in a fraction of the time

✔✔✔✔

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.

Mobile Homes/ Spaces 4090

Businesses Established 5025 Established Hair Salon for sale, health reasons.

970-667-4638 Evenings

2 Bdrm, 1109 E. 4th, $425 Newer carpet & linoleum rmpm.com. 970-669-0842

Loveland 3 BD, 1.5 ba, lg fncd yd, 2 ✭ 2 BEDROOM HOMES ✭ $575 to $650 + dep. car $1095+dep. 2330 W 22nd W. Hwy 34. Pets on appr St Lvld, N/P, 303-549-5715 Se Habla Espanol (970)685-8573 3+ BDRM, 1.5 ba, 1600 SF, hdwd flrs, A/C patio.

N/pets/smk. $950, 667-9099 ✭ 3 BDRM, 1 BATH ✭ W. Hwy 34. $700/mo + dep.

844 S. Edinburgh. Sharp upPets on appr. Se Habla dated 3 bdrm, 2 ba., 2 car, Espanol, 970-685-8573 family room, fireplace, AC, $1,150/month. 970-481-7826.

LIKE NEW HOMES 3 BDRM, 2 BA ranch, new DBLWIDES & SINGLES carpet & paint, 2 car gar. Easy Credit. Low Down!

2514 N Empire, no smk/ Buy or Rent. Call now. pets. $1100/mo. 970-690-1211 970-420-8488

5110

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