Saturday Reporter-Herald April 24, 2010 D1
Real Estate Matters
www.realtyguide.com • Saturday, April 24, 2010 • Reporter-Herald
It may be wise to keep money in account ILYCE GLINK TRIBUNE MEDIA SERVICES
Q
uestion: I have $50,000 sitting in a money market account. I owe approximately that amount on my mortgage. I have a 401(k) of about $325,000 and another retirement account worth approximately $400,000. Should I pay off my mortgage? Answer: Even with the economy on an upswing, I’d hate to see you use up every last cent of your liquid cash paying off your mortgage, particularly if you have a low interest rate or are at the point in your loan that your monthly payments go mostly toward reducing the principal balance on the loan. But if you can immediately start socking away into a savings account the cash you won’t be using to pay down your loan each month, and if you have other cash available in case your car breaks down, you need to buy a new hot water heater or some other immediate reason, that would work. One final thought: If you’re near the end of your loan, you’re paying principal only and not really any meaningful amount of interest. So if you want the cash flow each month, pay off your mortgage. Otherwise, just make sure it’s paid off by the time you retire. Question: I have owned my home by myself since 1976. In 1989, I married. My name is I See GLINK/Page D2
Inside this week’s Home & Real Estate
Director y Page D7
Realtor of the Week Diane Iwanicki of Prudential Rocky Mountain, Realtors
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Loveland Historic Homes Tour Six historic sites will be available for tour next weekend
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ThinkStock photo
State of foreclosures in Loveland HAFA program has potential to help local organizations combat foreclosures RHEMA MUNCY SPECIAL SECTIONS
cessing costs. Up to $2,000 for investors who will be available and up to $6,000 in short sale proceeds will be distributed to n April 5, the HAFA program went into effect na- subordinate lien holders on a tion-wide. This new HUD one-for-three matching basis. “One of the key components is initiative extends the HAMP prothat in order to participate, the gram which looked at helping people who were behind on their lien holders have to give up all of their deficiency rights, so they payments do a possible loan can’t pursue you for lost dollars,” modification. Downing said. “They would either work with To check if a defaulted home their lender directly or via a loan might apply for the prohousing counselor to try and gram, Downing recommended modify their loan in some way,” said Billie Jo Downing of Re/Max contacting the lender and then working with a licensed Realtor Alliance. The HAMP program was offered immediately to get the process initially by Freddic Mac and Fan- going. nie Mae and then adopted by other lenders. The program was de- STATE OF FORECLOSURES IN LOVELAND signed to help 4 million homeowners. It fell short of its goal beThe community saw a 23 percause many loans did not qualify cent decline in foreclosure sales for the assistance offered by the first quarter of this year, HAMP, and according to Freddie Downing said. According to Mac, there are currently 4.7 mil- Larimer County public trustee lion loans in serious default naDebbie Morgan, the filings to betion-wide. gin the foreclosure process in HAFA was designed to address Loveland were 174 for the first this issue, although the program quarter compared to 207 for the first quarter of 2009. Larimer is off to a slow start and not many loans in Loveland are quali- County overall had 455 filings, down from 535 the first quarter fying, Downing said. Another purpose of the HAFA program is of last year. In the first quarter, to try and redefine short sale and foreclosures that went to final sales numbered 91 for Loveland deeds in lieu processes. and 270 for Larimer County, “It is an attempt to make a both up from 2009’s first quarter short sale a smoother process,” where Loveland had 64 forecloDowning said. sures go to sale and Larimer According to Realtor.org, the HAFA program complements the County had 174. The final sales are not from the filings regisHAMP program and allows bortered during the same time perirowers to receive pre-approved od, Morgan said. short sales terms before listing the property including the miniImprovement has been slow, mum acceptable net proceeds. mainly driven by the poor job economy, according to Borrowers are fully released Meaghanne Oresjo, a housing from future liability for the first counselor for Neighbor to Neighmortgage debt and it also provides financial incentives such as bor in Loveland. If people can’t find employment, they can’t pay $3,000 for borrower relocation their mortgages, contributing to assistance, $1,500 for servicers to cover administrative and pro- the foreclosure problem. Oresjo
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FORECLOSURES COSTLY TO CITIES A 2005 study at the University of Colorado-Denver by graduate student Christi Icenogle found that 99 foreclosed properties in Denver that were vacant and neglected cost the city at least $480,000 a year in known costs. The cost was calculated from 35.5 percent of the salaries of two employees in the Neighborhood Inspection Services department and the crews that mow lawns and pick up trash at neglected buildings. Boarding up the buildings, conducting hearings for the foreclosed properties and proportionate policing costs also contributed to the sum. Significant crime can also occur at the properties with the damages passed onto the city government. has watched lenders step up to the plate for the last couple of years and proactively help their borrowers tackle problems before they turn into foreclosures, but sometimes situations slip through the cracks and homeowners are the ones who suffer. In 2009, Neighbor to Neighbor counseled over 400 households, and about half of those were in Loveland. “We have seen consistent numbers,” Oresjo said. “We are always busy with foreclosure calls. A lot of people are calling before they experience trouble, which is really good. People are calling as soon as they know they will get laid off or if their overtime will get cut.” One significant change that has happened over the past couple of years is that more and more business professionals and higher end homes are experiencing financial pressure. “A lot of times they are facing job loss or a lot of self-employed homeowners are having problems,” Oresjo said. “Or maybe they were in a loan product they were hoping to refinance but because their home value isn’t what is used to be, it is hard to get out of the original loan. A lot of times these people have never had to ask for help at all — they have always been the ones giving and they don’t know where to turn when they are struggling.” Amy Irwin, the manager of home ownership programs at the Housing Authority of the City of Loveland has helped the city implement a down payment assistance and a Home Match program.
The Home Match program helps buyers get pre-qualified and ready to go for buying a house. They then work with a Realtor that specializes in foreclosures. Once a property is found, the program helps the buyer by purchasing the home that needs serious rehab. The Loveland Housing Authority buys the home for a price well below value and then pours money into the home up to the point of the buyer’s purchase point. Then the buyer only has to take out one loan and they do not have to face all of the repairs on their own or try to negotiate with a lender over the repairs, Irwin said. FORECLOSURE HOTLINE The state-wide number offers a connection point for struggling homeowners. Since its inception 31/2 years ago, the Hotline has helped homeowners reach over 20,000 positive solutions with 7,783 of those happening in 2009. Brothers Redevelopment and Foreclosure Hotline communications coordinator Sarah Noel said that when callers enter a Larimer County zip code they are directed to HUD approved loan counselors in Larimer County. “We have seen an increase in calls,” Noel said. “The call volume increases year over year. We are seeing a decrease in sales, so people aren’t actually going through with foreclosures. They may be entering the process, but something happens to stop the foreclosure. People are finding solutions before losing their home to foreclosure or selling the property.”
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Saturday Reporter-Herald April 24, 2010
This Week’s Rates*
GLINK
ment, my spouse will inherit part of my house? Is there any way to get around this? From Page 1 Answer: I don’t know why your spouse would inherit part of your still on the deed and we have a house if the house was purchased beprenuptial agreement that the fore your marriage and you owned it house is mine. and financed it on your own. Is there a law that states that reHowever, if your spouse paid for gardless of the prenuptial agreeexpenses relating to the home such as repairs, improvements and even the For more information, call monthly mortgage and Glink’s radio show at real estate taxes, your 800-972-8255 on Sundays spouse might have a from 9 to 10 a.m., write to Real claim to the home. If Estate Matters Syndicate, P.O. you want to keep a propBox 366, Glencoe, IL 60022 or erty separate from marivisit www.thinkglink.com. tal assets, all expenses incurred in owning and Real Estate Matters maintaining that other
asset have to come from your separate assets. But the answer to your question will depend on the laws of the state in which you live. Talk to an estate attorney or estate-planning attorney about your issue to determine if your spouse has a right to your home and how to make sure you understand the issues and any resolution that may be required. After talking to an estate planner, you might want to consider setting up a living trust and having the home owned by the living trust. You would then be able to name the beneficiary of the trust. Another benefit is the title would automatically pass to your beneficiary and the property would bypass probate.
Last Today Week Trend 30-Year Fixed:
5.14%
5.19%
15-Year Fixed:
4.48%
4.38%
5/1 ARM:
3.88%
3.94%
* Rates provided by Bankrate.com. All rates are subject to change.
The Home & Real Estate section is produced every Saturday by the Loveland Reporter-Herald. DISPLAY ADVERTISING 669-5050 CLASSIFIED ADVERTISING 635-3650
FEATURED PROPERTIES - VIEW PROPERTIES AT HOMEANDREALTYGUIDE.COM LAND FOR SALE UP TO $199,999 OPEN HOUSE SATURDAY 12PM-3PM
Warberg Farm - Sophia Court OPEN WED 11AM-1:30PM - FRIDAY 8AM1:30PM - EVERY SUN 3PM-5PM Fantastic location on Chapman Reservoir. Lake rights, walk paths. 2+acre lots, 2 lots w/horses allowed, wakeless craft allowed.
Kurt Albers Century 21 Humpal, Inc. 970-231-1224 kurtd57@msn.com www.allcoloradohomes.com
Time to Get Your Own Place?
OPEN HOUSE 2:00 SHARP SUN
FOR SALE
3 BD, 2 BA Ran ch, new kit cabine ts and hardwood Begin your search flrs. Unfin bssmt, big at your online back yard, spklrs, and print privacy fence. real estate $210,000 source: homeandrealtyguide.com -
OPEN HOUSE SATURDAY 1-3
www.2960Tabernash.com
421 West 6th St.
2 Bedroom, w/Loft Townhome. Oversized 2 car garage, unfinished basement. 5 piece master bath, A/C, living room fireplace. Open kitchen & dining area. $195,000. Call Marilyn Burch 690-0286 for details.
Westside bungalow! Absolutely charming! Three bedrooms, 1 1/2 baths, hardwood floors, fenced yard, deck and hot tub all with in walking distance to downtown Loveland.
Nanci Garnand 227-1327 or 622-1846 Nanci@SellsRealEstate.com www.LivingInLoveland.com
Julie Stinson 970-622-1809 RE/MAX Alliance 970-669-1234 750 W. Eisenhower Blvd. Loveland, CO 80537 JulieS@rmfa.com
UP TO $199 $199,999 999 OPEN HOUSE SUNDAY 1-3 PM
PRICE REDUCED- $182,900
OPEN HOUSE SAT & SUN 1-3
OPEN HOUSE SATURDAY 1PM-4PM
OLD-TOWN BERTHOUD-$189,000
3509 Douglas Ave. $190,000
872 S. Edinburgh-Loveland
2521 Carla Drive, Loveland
579 E. 9th St. Loveland $179,900
831 Franklin Ave-Berthoud
Immaculate & well-decorated w/lots of updates. Great location. New remodeled bath w/tile floors, upgraded pine railing w/ Colorado lodge feel. Wood/pergo floors throughout, all kitchen appliances stay.
Great 2272sf, 4BD, 2BA ranch home in SW Loveland location, close to schools and backs to a park! All fresh interior paint, remodeled main bath, tons of storage, finished bsmt, and private backyard!
Completely updated with just about everything. New carpets, floor, roof, windows, stainless steel appliances, paint and more! Ready to move in and make it yours. $179,900 #625022
Historic Downtown Loveland. 4 bd/2ba/2gar. Ranch w/finished bsmt! New roof, new 6’ privacy fence & new sod. New carpet, light fixtures, tiled kitchen floor & vinyl windows.
40’s bungalow on .32ac lot w/ 2-car gar, alley access, and lg. redwood deck! 3BD, 2BA, 1957sf, new kitchen in ‘03, built-in storage, coved ceilings & arched doorways! New exterior stucco & windows!
Megan Wachtman 8z Real Estate (970) 217-7977 megan@8z.com
Gary Maggi 970-692-2002 gary@berthoudrealestate.com www.berthoudrealestate.com
Dennis Thiers Century 21 Humpal, Inc. 988-8272
Alicia Stewart Keller Williams (970) 222-8871 kwalicia@yahoo.com
Marian Maggi 970-290-0908 marian@berthoudrealestate.com www.berthoudrealestate.com
$200,000 - $299,999 ALMOST AN ACRE!
OPEN SUNDAY 12-2
OPEN HOUSE SUN. APRIL 25TH 11-2
MATCHING TAX INCENTIVE
OPEN HOUSE SAT. APRIL 24TH 11-2
4512 S Taft (CR 17), Loveland
1919 Canterbury Ct.
1204 E. BROADMOOR DRIVE, LOVELAND $210,000
201 S. 8th St.-Berthoud-$298,900
1231 W. BROADMOOR DRIVE-$239,000
Bring the horses & park the RV! Work & play here! 4 bedrooms, 2 baths, huge rec room, oversized garage with office/studio! New carpet & paint! Close quickly! New Price $254,900! MLS 621953
Close to hospital, bike trail, Boyd Lake & shopping! Enjoy the warmth of the family rm fireplace on a cold winter night. Features inc. a large cul-de-sac lot, oversized garage. $215,000
Immaculate all brick ranch w/3bdrm/2 bath. This home features refinished original wood floors throughout. New water heater, roof, humidifier, on Q-system, A/C, room for boat/ RV parking. No HOA’s.
Lots of upgrades & design features in this 3241sf custom built home in like-new condition! 3BD, 3BA, main floor master w/ 5pc. bath, solid oak flooring, and RV/boat parking. Sits on a 1/3 acre lot!
Enjoy views of Longs peak from your newly stained deck! 1/4 AC, 4 bd/2ba. New oak baseboards, plush carpet, oak stairs, bsmt w/ wet bar/media area, oversized gar, sprinkler system, NO HOA’s, much more!
Sarah Bennett RE/MAX Advanced, Inc 970-221-5995 970-227-5027 sarahbennett@frii.com
Julie Stinson 970-622-1809 RE/MAX Alliance 970-669-1234 750 W. Eisenhower Blvd. Loveland, CO 80537 JulieS@rmfa.com
Amber Eggers, Premier Lifestyle Realty (970) 214-4173 amber@teamplr.com
Marian Maggi 970-290-0908 marian@berthoudrealestate.com www.berthoudrealestate.com
Amber Eggers, Premier Lifestyle Realty (970) 214-4173 amber@teamplr.com
$300,000 - $399,999 OPEN SUNDAY 1-3 8008 HILLSBORO CT.
OPEN HOUSE SAT 1:00-3:00
MATHEWS FARM $349,900
SEVEN LAKES PATIO HOME
DAKOTA GLEN NOW OPEN IN LOVELAND
In Desirable Manor Ridge - $389,000
2101 Vancorum Circle
1731 Wales Drive
1779 Muddy Creek Dr.
3448 Peruvian Torch Dr.
Beautiful home on a large private lot. Gorgeous hardwoods throughout, amazing master suite w/2 sided fireplace. Enjoy warm summer nights on the spacious (east) back patio. Too many features to list!
6 yr old, quality built ranch home with walkout basement. Backs to open space, hardwood floors, oak trim, vaulted ceilings, granite counters, and stainless steel appliances in kitchen. Many upgrades done by builder.
Unobstructed Mountain Views and backs to open space! Ranch Style plan offers a gorgeous kitchen w/alder cabinets & granite counter tops. Spacious living at a remarkable price. Built by Dennis Robbins.
This patio home is loaded with granite in kitchen & bathrooms! Beautiful gourmet kitchen. Perfect for entertaining. No outside maintenance here! Its all done for you. Sit back & enjoy! $339,900
Stop by our brand new subdivision in Southwest Loveland. Custom plans, walkout lots, lot sizes up to 26,112 sf, mountain views. 402 & Wilson, 1/4 mile W of Wilson. Prices starting in low $300’s.
Linda Hopkins The Group (970) 217-1228
PKay Cruise 970-222-2562 RE/MAX Alliance 970-669-1234 750 W. Eisenhower Blvd. Loveland, CO 80537 pkaycruise@remax.net
Lisa Moore/Connie Gliott Glen Marketing, Inc. 970/663-4522 www.glencompanies.com
Lisa Moore/Connie Gliott Glen Marketing, Inc. 970/663-4522 www.glencompanies.com
Lisa Moore/Connie Gliott Glen Marketing, Inc. 970/663-4522 www.glencompanies.com www.DakotaGlen.com
$400,000 - $499,999 OPEN HOUSE SAT. 1PM-3PM
OPEN HOUSE SAT & SUN 1-4
$500,000 + PRICE REDUCED-$578,000
SPECTACULAR LAKE AND MOUNTAIN VIEWS
OPEN HOUSE SAT. & SUN. 1-4 TRADES CONSIDERED
1554 Homeland St., Loveland
3230 CHALLENGER POINT DR. LOVELAND $425,801
1907 French Hill Dr. - Berthoud
2955 Challenger Point Dr.
NEW CUSTOM RANCH-288 RESERVOIR
Gorgeous 3976 sf 4br, 3ba, 3car. Custom kitchen, granite, pantry, Wolf gas range. Hickory floors, central a/c, formal coffered DR, rec rm., workout rm., landscaped, walk/ bike path, views. $429,500
Luxurious, yet comfortable living in this spacious well appointed home. 5 pc master ba w/arches & tile. Great room w/gas fireplace, hickory cabinets, rec rm w/wet bar & theatre room. Licensed seller.
36 acre Country Paradise w/ panoramic mtn views & a pond! 4876sf 2-story w/ 3BD, 3BA, hrdwd flrs, updated baths, formal living rm & dining rm. Master suite w/ fireplace, huge closet, and 5 pc. bath!
Enjoy watching the sunset from your beautiful covered back patio that over looks the water. This home offers a gourmet kichen, hickory woodwork. Views from every room in the house. $559,900
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.
Kathleen Gruman 970-290-3393 kathleen@berthoudrealestate.com www.berthoudrealestate.com
Lisa Moore/Connie Gliott Glen Marketing, Inc. 970/663-4522 www.glencompanies.com
Mike & Sherry Dougherty Colorado Front Range Realtors, LLC 303-589-1626 www.cfrhomes.com
Renee Salza Keller Williams (970) 231-5082 rsalza@msn.com
John Mathey Premier Lifestyle (970) 613-4400 (970) 481-5512
homeandrealtyguide.com Your online and print resource for residential, commercial and land for sale 17-312092
Saturday Reporter-Herald April 24, 2010 D3
H&RE Realtor of the Week Meet
Diane Iwanicki PRUDENTIAL ROCKY MOUNTAIN REALTORS Location: 3780 E. 15th St., Loveland Contact: 970-667-2510, to speak with Iwanicki directly, call 970-412-7082 or e-mail iwa@realtor.com Designations, Affiliations & Accolades: Member of Loveland/ Berthoud Association of Realtors, National Association of Realtors, and Colorado Association of Realtors Years of experience: Four
D
iane Iwanicki entered the real estate market in Northern Colorado just as the economy started taking a downturn, but has dedicated herself to her clients and has become one of the top selling agents at Prudential Rocky Mountain, Realtors. Iwanicki originally moved to Colorado in order to complete her master’s degree in communication disorders. After working for 10 years in the schools she decided to pursue real estate. “When my husband and I and our two children moved from Estes Park to Loveland, our goal was to find a home on a large lot. After looking and looking we found just the right place. I loved the whole process and decided I wanted to help others find just the right home for them. That’s when I decided to get into real estate.” One of Iwanicki’s specialties is selling homes which have an acre or two of land. “People come to Colorado to have some space around their home. Many of my clients want to live in a neighborhood, but would also like to be on a large lot. That seems to be what people are asking for now-a-days and I’ve been able to find that perfect home for them,” she said. During her free time, Iwanicki likes watching her son participate in the Loveland Parks and Recreation sporting events, entertaining friends at her home and taking her daughter to horseback riding lessons. She’s also anxiously awaiting the beginning of the boating season. Iwanicki prides herself on using the latest media, texting and Internet marketing tools to expose her listings to the widest range of qualified buyers. Her motto for real estate is “never give up.” Patience pays off and many of her clients can attest to that: “Making a move is a big financial decision as well as an emotional one. Iwanicki stayed by our side until we found the right home at the right price. I feel as though she is our friend.” Iwanicki is very customer service oriented. “Anyone can make a sale,” she said, “but making someone’s future brighter is the real reward.”
17-3124
Keep Your Hard Earned Earned Equity! Equityy! Full ull Serv Service vice L Listings istings
4
Total Commission
H&RE Property of the Week
*FSBO Contract and Closing Service options available
Alan Dragoo Broker
201 S. 8th St., Berthoud
%
Matching Tax Incentive
alan@homesavingsrealty.net
www.homesavingsrealty.net
970.691.4821
STARTING FROM THE HIGH 160’S
Price: $298,900 Square feet: 3,241 Bedrooms: Three Bathrooms: Three Contact: For more information, call Marian Maggi, RE/MAX Town & Country, at 970-290-0908, e-mail her at marian@berthoudrealestate.com or visit www.berthoudrealestate.com.
copper
10
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ind several upgrades and design features in this 3,241 square-foot custom-built home in like-new condition. The interior offers cherry cabinets, solid oak flooring in the great room which includes the family room, dining room and kitchen. There is a central vacuum throughout the home, along with art niches and glass block accents. A bridge connects upper bedrooms and has a lovely view of Long’s Peak. Enjoy three bedrooms and three bathrooms including a main-floor master suite with a five-piece bathroom and walk-in closet. The media room has surround sound and a popcorn counter. All of this sits on a large 1/3-acre lot across from a walking/biking trail and offers RV/boat parking. The home is being sold by its original owners.
Megan Wachtman (970) 217-7977
Open Fri.-Sat. & Sun. from 2pm-4pm The $8,000 credit does not expire here! Credit can be used towards, landscaping, frig, fence, A/C, closing costs, some basement finish. Julie Stinson (970) 679-8590
17-312524
PatioOpenHomes 1-4 Tues - Sun
Priced from the $300’s to the $500’s 3 Extraordinary Locations
real estate auctions CO Homes Selling in April
Fort Collins
Harmony Club
Harmony Road
Timnath 1611 W 12th St, Loveland Nominal Opening Bid: $25,000 LOVELAND, CO • 1611 W 12th St 2BR 2BA duplex. Built in 1915. Open House: 1-4pm Sun Apr 25th & 2 hrs before sale. Sells: 10:15am, Mon Apr 26th at 1611 W 12th St, Loveland, CO
DENVER, CO • 1961 Verbena St • 2855 Jasmine St FT COLLINS, CO • 3801 N Taft Hill Rd
LITTLETON, CO • 7566 S Elati St LIVERMORE, CO • 95 Windwhistle Pl (FKA 1543 Caprock Rd) PAGOSA SPRINGS, CO • 5600 E County Road 700 • 412 Hurt Dr
GOLDEN, CO • 33554 Sidney Rd W
CO RE LIC ER01319859 DEAN C. WILLIAMS; BUYER’S PREMIUM MAY APPLY.
Community & Event Center
800.801.8003
williamsauction.com
Windsor Highland Meadows Golf Course
Crossroads Blvd
• Centerra
Loveland
Thompson Parkway
CENTENNIAL, CO • 6525 S Sherman St
HOTCHKISS, CO • 236 East Main St
Purchase a home starting at $202,000 or rent from $1650 no buy in fees. Call today for a tour and more information. Find us at Madison Ave. and Finch St.
17-311129
AUSTIN, CO • 10217 Hidden Mesa Rd
HARTSEL, CO • 4538 Elkhorn Rd
19-307596
AURORA, CO • 15160 E Columbia Dr • 2571 S Richfield St
17-310432
OTHER AREA AUCTIONS
Map not to scale.
Thompson Crossing
Val Schlageter 217-3464 The Group, Inc. Real Estate 223-0700
www.ThePatios.com
Saturday Reporter-Herald April 24, 2010 D5
H&RE Real Estate Briefs For more Real Estate features, log onto www.homeandrealtyguide.com
LOCAL REALTOR ACHIEVES NATIONAL ASSOCIATION OF REALTORS GREEN DESIGNATION Kevin J. Cook with Team Cook at The Cottage Realty has been awarded the National Association of Realtors Green Designation, the only green real estate professional designation recognized by NAR. Cook achieved this prestigious designation after completing 18 hours of course work designed specifically for Realtors. The courses were created in collaboration with a multidisciplinary team of industry experts from across the country; ensuring designees gain comprehensive knowledge of green homes and buildings and issues of sustainability in relation to real estate. More specifically, Cook was trained in understanding what makes a property green, helping clients evaluate the cost/benefits of green building features and practices, distinguishing between industry rating and classification systems, listing and marketing green homes and buildings, discussing the financial grants and incentives available to homeowners, and helping consumers see a property's green potential. "As energy costs rise along with concern for the environment, homeowners are looking for innovative ways to save money and live responsibly," said Dick Gaylord, NAR;s immediate past president. NAR's Green Designation was developed in response to growing consumer awareness of the benefits of resourceefficient homes and buildings. The designation helps consumers who care about energy efficiency and sustainable building practices identify Realtors who can help them realize their green real estate and lifestyle goals. As an NAR Green Designee, Cook has gained the knowledge and the tools necessary to become a trusted green resource for Berthoud/Loveland. For more information, please visit www.lovelandcorealestate.com or e-mail teamcook41@teamcook.biz For more information about NAR's newest designation, visit www.greenresourcecouncil.org
H&RE Real Estate
News from the Colorado Association of Realtors TITLE COMPANIES WILL HAVE TO FILE O&ES REPORTS FOR A CHARGE The Colorado Division of Insurance has recently finalized rules under Regulation 3-5-1 that will affect the issuance of O&E reports and TBD commitments from title companies. Effective May 1, title companies will no longer be able to provide these documents for free. Title companies will be required to file their charges for O&Es and TBDs with the Division to ensure that the charges accurately reflect the cost of production. Additionally, the Division will allow the fees to be applied to the final costs of the transaction when they result in title work and a closing with the title company issuing the reports. When the new changes were proposed, CAR reiterated the value the documents have in providing a public service which help consumers understand and avoid title problems at the outset and enables the proper structuring of transactions. CAR also submitted multiple comments and participated in a public rulemaking hearing to express concern over the requirement to charge for the documents; however, we are pleased that the Division has taken steps to ensure that the charges reflect only the cost of production and will allow them to be applied to the final cost of the transaction. There are also new rules regarding classes that title companies may provide and when they must charge for those classes.
• Leaves the decision to states as to whether to require energy audits, disclosures, etc. • Provides property owners with significant financial incentives, matching grants and tools to make property improvements and reduce their energy bills; • Prohibits the Environmental Protection Agency from regulating residential and commercial buildings under the Clean Air Act; • Eliminated an early proposal to allow citizens to sue over minor climate risks under the Clean Air Act; and • Establishes green building incentives for HUD housing, including a loan program for renewable energy, block grants and credit for upgrades in mortgage underwriting. For more information about the American Clean Energy and Security Act, see NAR's Information Pack. The Senate must still pass its version of an energy and climate bill. If this occurs a House–Senate conference committee will be held to reconcile differences between the House and Senate bills.
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DEFINED.
CALL TO ACTION RESULTS ON TWO CRITICAL ISSUES
On Wednesday, March 31, NAR sent an all member Call-for-Action on two critical issues: the expiration of the National Flood Insurance Program and the 502 Rural Housing Program. Here are the results from that Callfor-Action: ENERGY BILL PUSHED FORWARD BY • Flood Insurance — On April 15, NAR 2010 Congress passed, and President The U.S. House of Representatives Obama signed, legislation to renew approved H.R. 2454, the American the National Flood Insurance ProClean Energy and Security Act by gram (NFIP) through May 31, 2010. Reps. Waxman (D-CA) and Markey Congress allowed the NFIP to expire (D-MA). Following NAR’s long-stand- on March 28, 2010. By law, flood ining policy to only take a position on surance is required for the purchase legislation, or provisions within legis- of real estate in a 100-year floodplain. lation that have a direct affect on real The lapse in flood insurance resulted estate, NAR worked with our Conin many delayed, and even cancelled, gressional allies to strip the Energy transactions. During the lapse period Bill of provisions that would have ad- NAR worked with Federal agencies, versely affected our industry. GSEs and bank regulators to clarify After multiple consultations with what lenders and insurers may and the NAR Climate Presidential Adviso- may not do to help work through the ry Group, the NAR Land Use, Proper- program's expiration. NAR will work ty Rights and Environment Commit- closely with our congressional allies tee, and state associations who had to help ensure a lasting reauthorizadealt with energy audit legislation at tion and extension prior to the May the state level, the Land Use, Proper- 31 deadline. ty Rights and Environment Commit• Rural Housing — Legislation has tee directed NAR staff to concentrate been introduced in the House by on the real estate provisions in the Reps. Kanjorski (D-PA) and Capito bill. As a result, NAR issued calls for action and made this a talking point (R-WV) to restore the rural housing for Capitol Hill visits during its recent 502 single family mortgage insurance program. The legislation will increase Midyear meeting. the upfront guarantee for the proOverall, Realtors succeeded in making a number of positive changes gram, which will allow the loan proaffecting the real estate provisions of gram to be self-sustaining. Borrowers will continue to be able to finance the the bill. The House-approved bill: • Does not create a federal energy upfront fee. This change should prevent future disruptions to the proaudit requirement for real property; gram of the type just experienced. We • Exempts existing homes and buildings from any federal guidelines expect the House to mark-up this legfor new construction energy efficien- islation next week, with House passage shortly thereafter. The Senate is cy information labels. now working on a similar bill. • Prohibits the implementation of — From the the CAR website at any labeling during a sales transacwww.ColoradoRealtors.com. tion.
Making Dreams Affordable
Call for details
888-315-3377 970-744-4490
Receive 50% Off Labor until May 31, 2010! !! " #
"
...without the luxury price 18-311438
D6
Saturday Reporter-Herald April 24, 2010
Loveland Historic Homes Tour
218 S. Washington Ave., Loveland 222 1/2 S. Washington Ave., Loveland
Tour to feature six historic properties next weekend JADE CODY SPECIAL SECTIONS EDITOR
A
s part of the Historic Preservation Month, the Loveland Historical Society is hosting the Loveland Historic Homes Tour from 10 a.m. to 3 p.m. next Saturday, May 1. Six historical sites in the downtown Loveland area will be featured. Tickets for the event are $12 in advance and $15 on the day of the tour. Advance tickets are being sold at the Loveland Museum/Gallery, City News and Anthology Book Store. In addition, tickets will be available at each location on the day of the tour. Look for an expanded preview in next Saturday’s Home and Real Estate section. For more information, call Donna McCreery at 970-667-1091 or Linda Stotz at 970-278-1848.
502 E. 7th St., Loveland 315-319 E. 4th St., Loveland
If You Go What: Loveland Historic Homes Tour Where: Six downtown Loveland locations When: 10 a.m. to 3 p.m. on Saturday, May 1 623 E. 7th St., Loveland
610 N. Jefferson Ave., Loveland
Open Houses This Weekend - www.thegroupinc.com NEW LISTING!
SATURDAY 12:00 - 3:00
SATURDAY 1:00 - 3:00
SATURDAY 12:00 - 3:00
SATURDAY/SUNDAY 1:00 - 3:00
404 Audrey Drive, Loveland - S ll me to qualify for tax credit! This 2-story, 3BR, has a finished basement with 1729 sq and is move-in ready! A ached garage with addi onal reserved parking. Call Compass Bank 266-9090 for alterna ve to FHA Financing.
1616 James Drive, Loveland - Beau ful ranch with newer roof, furnace & a/c. This comfortable well cared for home features 3 bed and one full bath on the main level with large living room, dining room, kitchen. The basement features a large rec room with bar, 3/4 bath and a 4th nonconforming bed/study. Nice backyard with peach & pear tree. Subject to short sale.
400 Audrey Drive, Loveland - 3 Bedroom, 3 Bath, 2-story end unit. Vaulted ceilings in living room with skylights, 2nd story lo with 3/4 Bath. Finished lower level with master, 3/4 bath and large walk-in closet. Theater room.
810 Village Drive, Milliken - Great 2-story home with 3 bedrooms, 2 baths and a 2 car garage. Home features bamboo flooring, Birch cabinetry throughout, granite counters and upgraded Frigidaire appliances. Upstairs laundry for your convenience.
New Construc on by Windmills, LLC Homes Star ng in the $130,000’s
$147,900
$165,000
$169,000
$175,000
MLS#607858
MLS#623048
MLS#625767
MLS#624598
Call Mari Wildt 685-0143
Call Laura Thomas 290-7544
Call Mari Wildt 685-0143
Call Kelli Couch and David Rand 310-8804; 430-9505
SUNDAY 1:00 - 3:00
SATURDAY 12:00 - 2:00
SATURDAY 1:30 - 3:30
SATURDAY 1:00 - 3:00
SATURDAY 1:00 - 3:00
1339 Aspen Place, Loveland - Carefree living in a 55+ community across from Benson Sculpture Park. Maintenance free townhome in excellent condi on. Features include an all brick end unit, formal dining room, large master bedroom, A/C, gas fireplace, skylight, front courtyard and back pa o. This rare opportunity won’t last long.
2001 Westbourne Drive, Loveland - Wow! Sparkling new paint inside and out! A gardeners dream yard with a waterfall, pond & fountain. Stainless kitchen appliances, le counters, baths all updated le, many new fixtures, handy storage shed beside garage & swamp cooler. The whole house is networked for computers and sound. Blue Ribbon Home Warranty included.
2528 Mary Beth Dr, Loveland - Nice 2 story in great neighborhood. Vaulted living room w/ gas fireplace. Dining room w/ slider accessing pa o & fenced backyard. Kitchen w/ breakfast bar, all appliances included. Main level u lity & half bath. Vaulted master w/ private 3/4 bath, walk-in closet. 2 other bedrooms + full bath. Unfinished basement w/ rough in for future expansion. 2 car garage w’ opener and workbench. A/C & sprinkler. Neighborhood trail and park. Easy commute loca on!
239 Reagan Drive, Loveland - 4 bedroom, 3 full baths ranch w/finished basement. Main level master w/full bath & laundry. Vaulted Great Room & Kitchen on laminate wood floors. Newer carpet. Finished basement features large rec room w/wet bar, 4th Bedroom close to roomy bathroom w/large soaking tub, Office w/closet, & large storage room. Solid Doors in basement. Fenced back yard backs to open space w/sprinkler system. A/C, & whole house fan. Outdoor Playset.
1539 Washington Avenue, Loveland - Lovingly restored, charming old town home with very large, open, bright rooms. Custom paint, new floors, 2nd floor encompasses en re master suite with awesome master bath. Wide staircase to the basement finished with new carpet, fixtures, some new windows, a very well done spacious home includes separate garage and nice size yard! Walk to elementary school.
$186,000
$199,900
$217,000
$219,900
$224,900
MLS#619870
MLS#609284
MLS#625336
MLS#619487
MLS#619094
Call Georgena Arne 481-9801
Call Mary Laing 690-7288
Call Don A. Riedel 679-8265
Call Maribeth Bergan 690-1735
Call Julie Perich 412-8585
SAT 11:00 - 1:00/SUN 1:00 - 3:00 209 Hubbell Street, Berthoud - Why buy new when you can have this clean, clean clean 3 bedroom, 2 bath, 1554 sq. . ranch with a 1538 sq. . unfinished basement nestled in beau ful Berthoud. Master suite has a 5 piece master bath and walk-in closet; refrigerator, washer & dryer included; new A/C, gas fireplace and no HOA. This is a must see home! Hosts: Amy Lane (Sat) 567-0816 & Bob Skillman (Sun) 631-2257.
SATURDAY 1:00 - 3:00 1230 Crabapple Drive, Loveland - Awesome Home in Alford Meadows. This ranch style home containing 2526 finished sq. . with 5 bedrooms & 3 full bathrooms. Quality built by Rust Construc on Inc. features a large main floor master suite with a 5 piece master bath including a Jacuzzi tub, vaulted ceilings, Tharp cabinets and a permi ed finished basement only needing paint and carpet. Don’t let this one slip by.
SATURDAY 1:00 - 3:00
SATURDAY 2:00 - 4:00
SUNDAY 1:30 - 3:30
6 Gregg Drive, Loveland - You will love this 1-owner home located on desirable Gregg Drive. With the excep on of the kitchen, the main level has all original hardwood floors & lots of built-ins. Formal dining room & living room w/a stone fireplace. Inlaid shuffle board court in the basement recrea on room, which also has a fireplace. Both basement bedrooms have built-in desks. This home has recently had a new sewer line installed. Freshly painted interior. Blue Ribbon Home Warranty.
4104 Redbird Place, Loveland - This 3 bedroom, 2 bath ranch with a southern facing heated sunroom is located on a 27,137 square foot lot (Lots 28 & 29 of Replat Marianna Park) that boasts 2 sheds both with power and room to grow, RV parking, pre-inspected, Blue Ribbon Gold home warranty, country views and awesome landscaping. Don’t let this one slip by.
1586 Persian Avenue, Loveland - Striking two story w/ mtn & foothills views! Bay window in dining rm. Spacious family room w/ gas log fireplace, kitchen w/ 42 inch cherry cabinets, SS appliances & bayed ea ng nook. Custom redwood deck, raised garden & shed in fenced backyard. Master suite w/ si ng room/study + 5pc bath. 2 more nice sized bedrooms + full bath. Pullouts in all cabinets, upgraded carpet. 2 car w/ opener. A/C, sprinkler, much more!
$245,000
$245,000
$248,000
$250,000
MLS#621663
MLS#626120
MLS#622098
MLS#610130
MLS#624153
Call Amy Lane 567-0816
Call Bob Skillman 631-2257
Call Nancy Maus 213-0554
Call Amy Lane 567-0816
Call Don A. Riedel 679-8265
SATURDAY/SUNDAY 12:00 - 5:00
TUESDAY - SUNDAY 1:00 - 4:00
1002 Burrowing Owl Drive, Fort Collins - Popular ranch plan available! This home offers 3 bedrooms plus a study and approx. 1807 finished sq plus an unfinished basement. 2 car garage, je ed tub in master bath, three sided fireplace, hickory flooring throughout the majority of home. Trex deck, upgraded carpet, upgraded black kitchen appliances, washer & dryer included. Front yard landscaping & rear yard fencing included. Home sides to greenbelt area. Price includes builder incen ve.
4635 Tarragon Drive, Loveland - Tired of yardwork? Visit our furnished model home at The Pa os in Thompson Crossing. 6 ranch plans, 3 car gar op ons, garden level lots, views, low HOA dues. Convenient loca on, yet tucked away; million $ sculpture walk, trail, open space close to I-25. Low maintanence living at it’s best!
$318,299
Priced From $324,000
MLS#626289
MLS#607818
Call Ma Thompson 443-9910
Call Val Schlageter 217-3464
SUNDAY 1:00 - 3:00 5258 Rangeland Avenue, Loveland - Beau ful ranch style home with all the fine quali es you will find in a Keirns Construc on home!Fabulous quality throughout!You will enter into a very open floor plan,vaulted ceilings,wonderful kitchen with Tharp cabinets,Cambria countertops,sleek black appliances including the refrigerator.This home is complete with tandem 3 car garage,front yard landscaping,A/C & covered back pa o.
$259,000
SUNDAY 1:00 - 3:00
SATURDAY 1:00 - 3:00
5415 Lighthouse Point Court, Loveland - Me culously cared for pa o home in Mariana Cove. Spacious and bright with lots of natural light. Vaulted ceilings in the great room. 3 sided fireplace and freestanding gas stove. There’s a large Trex deck for entertaining or watching abundant wildlife. The garden level basement has 2 large bedrooms, family room and s ll tons of storage space. The property is south facing!
2730 Farisita Drive, Loveland - PRICE REDUCED! Bring your canoe and fishing pole! Original owner offers well built, nicely maintained home on Rist Benson Lake. Enjoy the Lake and views - quiet and private. Pella wood windows, gas fireplace, 3-car garage, hot water heat. Brand new carpet!
$369,900
$344,900
$350,000
MLS#607235
MLS#623164
MLS#619814
Call Mark Moran 218-1891
Call Denise Kloster 402-9100
Call Nancy Walkowicz 461-7136
Tax Credit The Federal Homebuyer Tax Credits Expire SATURDAY 11:00 - 1:00 5521 Fairmount Drive, Windsor - Amazing home with 3 Master Suites. 5 bds, 6 bths (4 full baths), corner lot, great room, lo , mini kitchen in bsmt + theater room. Everything has been upgraded inside and out: Kno y Alder, granite, SS appliances, wood floors, le, hand trowel textures, lights, paint... Exterior features covered porch, amazing front/ back landscaping, stamped concrete covered pa o plumbed for outdoor kitchen and firepit. AC, sprinkler system, landscape ligh ng, & more.
$545,000 MLS#625531
Call John Simmons 481-1250
April 30, 2010 $8,000 Available to First-Time Buyers $6,500 Available to Repeat Buyers Call us to receive your HOMEBUYER TAX CREDIT KIT filled with everything youu need to know!
TIME’S RUNNING OUT!!
17-311126
Saturday Reporter-Herald April 24, 2010 D7
H&RE Featured Home Plan
H&RE Home Fix The Jacobson has contemporary styling Keep the heat out of your house ASSOCIATED DESIGNS
T
he Jacobsen is a totally contemporary single-level plan with two distinct wings that wrap around a central courtyard with a large pool at center. The central courtyard can be enjoyed whether you're in the owners' suite, foyer, dining room, kitchen or living room. Stucco columns and raised stucco trim accent the gently arched openings of the lofty entry and two front windows, each filled with a sparkling expanse of glass. Inside the majestic vaulted foyer, an abundance of natural light spills down through two arched transoms (front and rear). More washes in through double atrium doors that provide a view of, as well as access to, the pool. Family gathering spaces and a utility room are to the left; sleeping quarters are to the right. The room closest to the entry could be used as a home office, den, library, or whatever is needed. Dining room, kitchen and living room flow together, in a large room where stepped ceiling variations help define the spaces. Kitchen features include built-in appliances, a walk-in pantry, a garden window, and a large work island rimmed by a raised eating bar. Laundry appliances and a powder room are just around the corner, off a hallway that links the kitchen to a two-car garage. The utility room is larger than most. A built-in desk on one side could house the family computer or a sewing machine, and the long counter next to the broom closet is perfect for folding clothes. The Jacobsen's owners' suite boasts an exceptionally deep walk-in closet, plus a skylit bathroom with a shower, double vanity and separately enclosed toilet. Secondary bedrooms share yet another bathroom. For a review plan, including scaled floor plans, elevations, section and artist's conception, send $25 to Associated Designs, 1100 Jacobs Dr., Eugene, OR 97402. Please specify the Jacobsen 30-397 and include a return address when ordering. A catalog featuring more than 550 home plans is available for $15. For more information, call (800) 6340123 or visit www.AssociatedDesigns.com.
DWIGHT BARNETT SCRIPPS HOWARD NEWS SERVICE
T
here is still time to prepare your home for the hot summer months ahead. You can lower your energy consumption, and possibly your energy bills, by simply maintaining the furnace and air-conditioning filter on a regular basis. A dirty filter restricts airflow through the ducts, which means the fan has to work harder and longer to satisfy the demands of the thermostat. The harder and longer the fan works, the more energy will be wasted. Set a schedule for changing the filter, and place a reminder where you can see it. Most filters need to be changed every two months. It is important to use the properly sized filter and that the filter opening has a cover to seal out non-conditioned air. Have the air conditioner or heat-pump cooling system inspected and serviced by a qualified technician. Proper maintenance can extend the useful life expectancy of the system. The outside unit has a fan that pulls air past the coils that make up the main body of the unit. The coils and fins also collect dirt, grass clippings, leaves and animal dander that block the flow of air through the system. Again, poor airflow increases the workload of the unit, which increases the energy usage. Energy dollars can be
17-311075
I See HOME FIX/Page 8
saturday PRICE
sunday
LOCATION
ADDRESS
HRS
OFFICE
PHONE
SE LOVELAND
WARBERG FARMS – SOPHIA CT
12-3
CENTURY 21, HUMPAL 663-2400
$139,900
NW LOVELAND
2717 W 46TH ST
12-5
THE COTTAGE REALTY 532-5900
$147,900
SW LOVELAND
404 AUDREY DR
12-3
THE GROUP, INC.
685-0143
$149,900*
NW LOVELAND
43RD & WILSON AVE THE COTTAGES AT ENCHANTMENT RIDGE
12-5
$165,000
NW LOVELAND
1616 JAMES DR
$169,000
SW LOVELAND
$169,900*
LOCATION
ADDRESS
HRS
OFFICE
SE LOVELAND
WARBERG FARMS – SOPHIA CT
3-5
CENTURY 21, HUMPAL 663-2400
$139,900
NW LOVELAND
2717 W 46TH ST
12-5
THE COTTAGE REALTY 532-5900
THE COTTAGE REALTY 532-5900
$140,000
NW LOVELAND
4244 PIN OAK DR
1-3
KELLER WILLIAMS
1-3
THE GROUP, INC.
290-7544
$149,900*
NW LOVELAND
12-5
THE COTTAGE REALTY 532-5900
400 AUDREY DR
12-3
THE GROUP, INC.
685-0143
43RD & WILSON AVE THE COTTAGES AT ENCHANTMENT RIDGE
NW LOVELAND
4403 ELLIOT PLACE
12-5
THE COTTAGE REALTY 532-5900
$169,900*
NW LOVELAND
4403 ELLIOT PLACE
12-5
THE COTTAGE REALTY 532-5900
$175,000
JOHNSTON/ MILLIKEN
810 VILLAGE DR
1-3
THE GROUP, INC.
$175,000
JOHNSTOWN/ MILLIKEN
810 VILLAGE DR
1-3
THE GROUP, INC.
310-8804
$179,900
SW LOVELAND
2521 CARLA DR
1-4
CENTURY 21, HUMPAL 663-2400
$179,900
SE LOVELAND
579 E 9TH ST
1-3
KELLER WILLIAMS
222-8871
$179,900
SE LOVELAND
579 E 9TH ST
1-3
KELLER WILLIAMS
222-8871
$183,900
SW LOVELAND
421 W 6TH ST
1-3
RE/MAX ALLIANCE
679-8590
$184,900*
NW LOVELAND
3399 FOSTER PLACE
12-5
THE COTTAGE REALTY 532-5900
$184,900*
NW LOVELAND
3399 FOSTER PLACE
12-5
THE COTTAGE REALTY 532-5900
$186,000
NW LOVELAND
1339 ASPEN PLACE
1-3
THE GROUP, INC.
481-9801
$199,900
NE LOVELAND
2001 WESTBOURNE DR
12-2
THE GROUP, INC.
690-7288
$190,000
NW LOVELAND
3509 DOUGLAS AVE
1-3
8Z REAL ESTATE
217-7977
$217,000
SW LOVELAND
2528 MARY BETH DR
1:30-3:30
THE GROUP, INC.
679-8265
$219,900
NW LOVELAND
239 REAGAN DR
1-3
THE GROUP, INC.
690-1735
$195,000
NW LOVELAND
2960 TABERNASH DR
2 SHARP
RE/MAX ALLIANCE
690-0286
$224,900
NE LOVELAND
1539 WASHINGTON AVE
1-3
THE GROUP, INC.
412-8585
$210,000
NW LOVELAND
1204 E BROADMOOR DR
11-2
PREMIER LIFESTYLE
214-4173
$227,900
NW LOVELAND
4496 HAYLER AVE
12-5
THE COTTAGE REALTY 532-5900
$215,000
NE LOVELAND
1919 CATERBURY COURT
12-2
RE/MAX ALLIANCE
679-8590
$239,000
NW LOVELAND
1231 W BROADMOOR DR
11-2
PREMIER LIFESTYLE
214-4173
$245,000
NW LOVELAND
1230 CRABAPPLE DR
1-3
THE GROUP, INC.
631-2257
$225,000
SW LOVELAND
1245 W 8TH ST
12-2
BENCHMARK REALTY
225-2002
$245,000
BERTHOUD
209 HUBBELL ST
11-1
THE GROUP, INC.
567-0816
$227,900
NW LOVELAND
4496 HAYLER AVE
12-5
THE COTTAGE REALTY 532-5900
$248,000
NE LOVELAND
6 GREGG DR
1-3
THE GROUP, INC.
213-0554
$245,000
BERTHOUD
209 HUBBELL ST
1-3
THE GROUP, INC.
631-2257
$250,000
SW LOVELAND
4104 REDBIRD PLACE
2-4
THE GROUP, INC.
567-0816
$264,950
NW LOVELAND
4475 HAYLER AVE
12-5
THE COTTAGE REALTY 532-5900
$259,000
SW LOVELAND
1586 PERSIAN AVE
1:30-3:30 THE GROUP, INC.
679-8265
$318,299
FORT COLLINS
1002 BURROWING OWL DR
12-5
THE GROUP, INC.
443-9910
$264,950
NW LOVELAND
4475 HAYLER AVE
12-5
THE COTTAGE REALTY 532-5900
$324,000
SE LOVELAND
4635 TARRAGON DRIVE
1-4
THE GROUP, INC.
217-3464
$318,299
FORT COLLINS
1002 BURROWING OWL DR
12-5
THE GROUP, INC.
443-9910
$369,900
NW LOVELAND
2730 FARASITA DR
1-3
THE GROUP, INC.
461-7136
$375,000
NW LOVELAND
2101 VANCORUM CIRCLE
1-3
RE/MAX ALLIANCE
222-2562
$324,000
SE LOVELAND
4635 TARRAGON DRIVE
1-4
THE GROUP, INC.
217-3464
$425,801
NE LOVELAND
3230 CHALLENGER PT
1-4
KELLER WILLIAMS
231-5082
$344,900
NW LOVELAND
5258 RANGELAND AVE
1-3
THE GROUP, INC.
218-1891
$429,500
NW LOVELAND
1554 HOMELAND ST
1-3
CO FRONT RANGE REALTORS
303-589-1626
$350,000
SW LOVELAND
5415 LIGHTHOUSE POINT CT
1-3
THE GROUP, INC.
402-9100
$545,000
WINDSOR
5521 FAIRMOUNT DR
11-1
THE GROUP, INC.
481-1250
$425,801
NE LOVELAND
3230 CHALLENGER PT
1-4
KELLER WILLIAMS
231-5082
$895,000
SW LOVELAND
288 RESERVOIR DR
1-4
PREMIER LIFESTYLE
481-5512
$895,000
SW LOVELAND
288 RESERVOIR DR
1-4
PREMIER LIFESTYLE
481-5512
310-8804
To add a listing or speak to an advertising representative, call the Reporter-Herald at 669-5050
PRICE
PHONE
481-4160
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
D8
Saturday Reporter-Herald April 24, 2010
H&RE Front Range Gardening
Warm soil makes happy plants Warm days don’t mean that the land is warm CAROL O'MEARA CSU EXTENSION, BOULDER COUNTY
A
fter an endless wait of weeks, the peas have finally sprouted in my garden. It had taken long enough that I’d begun to fret, worried that they had rotted in the ground. No amount of standing over them, tapping my foot and demanding action, was going to get them to sprout. They weren’t stubborn; they were chilly. Though our days are warm, our soils aren’t, so if you’re thinking of rushing the season, warm the soil before you plant. Row covers, plastic, or water walls are ways to speed your garden from seed to table. Floating row covers, made of a light fabric, can raise soil temperatures one to three degrees. Though this doesn’t seem dramatic, if you sow your seeds directly into the ground, then tuck them in with this cloth, they’ll sprout sooner and you won’t be left wondering if you’ve destroyed your crop before the summer got going, which is when decent gardeners kill their plants. Cocooned under the cloth, radishes, lettuce, spinach, peas, Chinese cabbage, beets, carrots, turnips, and parsnips stay warm, germinating sooner than they would if left out in the cold. Weight down the edges of the cloth so wind doesn’t blow it to Kansas, and leave enough slack to
let the seedlings lift it as they grow. Remember to remove the water walls after frost date, so plants can If you’re popping in seedlings, warm the soil before you plant with grow without a collar of hot plastic sheet plastic laid across the ground. in the summer. Use 6 mil or greater grade of black Planning your plant purchases? plastic, secured to the ground with Check out the Loveland Garden wire U-shaped earth staples. Though Club’s annual plant sale fundraiser, clear plastic warms faster, the seeSaturday, May 8, 8 a.m. to noon at through covering acts like a cozy the All Saints Episcopal Church, greenhouse for weeds, which grow 3448 N. Taft Avenue, in Loveland. very nicely under the tenting. Perennials, annuals, vegetables and Let the soil warm under plastic for herbs are ready for you r garden, and two weeks, then check the tempera- if you’re unsure which is best, ask ture with a soil thermometer to see one of the Colorado Master Gardenif your ground is ready for seedlings. ers staffing the event. Proceeds go In many cases the plastic should be to community causes, such as local removed before planting, but if you tree planting, scholarships, educawant to use it as a season-long tion, and donations to other nonmulch, be sure it’s UV-resistant. Un- profits. der the tender mercy of our sun, Novice vegetable gardeners plannon-UV resistant plastic becomes ning on planting a garden should brittle and shatters over summer, check out Vegetable Gardening for and you’re left vacuuming the garBeginners, Saturday, May 1, 8 a.m. den like an obsessive cleaner. to 1 p.m., at the Extension office in If you shopped early and brought Longmont, 9595 Nelson Rd. Offered home a few plants, don’t fall victim by the Colorado Master Gardeners of to our fickle spring weather and Boulder County, this primer for plant tomatoes, peppers, or egggrowing food covers the basics of plant without protection. Sleeve choosing a location, preparing the them with water walls to keep them site, variety selection, troubleshootfrom getting nipped by frost. These ing, and harvesting. Fee for the class water-filled frost protectors are a is $20; pre-registration required. Call great way to keep chilly nights and 303-678-6238 to sign up. snow squalls from ruining your dreams of summer bounty. The trick to true success Carol O’Meara is with with water walls is to warm the CSU Extension in soil before your plant your Boulder County. seedlings; keeping their botContact her at toms as warm as their tops 303-678-6238 or means they’ll grow with enthucomeara@co siasm. Set up your walls one .boulder.co.us. week before you pop those plants in the ground, to raise Front Range Gardening soil temperature.
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
Commercial Houses Industrial 4040 Approx 700 SF, 2nd floor Storage/Office, NW corner Bunyon & 1st , Berthoud. $575/mo + dep 970-532-2652. Approx 800 SF, 1st floor commercial/office space. Mountain Ave., Berthoud $700/mo + dep 970-532-2652.
Apartments/ Furnished 4010 1 ROOM FURNISHED TV, no utilities. $400/mo. (970)667-4299
STORAGE UNITS for lease in Loveland. 20x40 w/14´ OHD. High ceilings, E-Z access. Call Jack at 970-593-9900 or 970-217-1027
Condos/ Apartments/ Townhouses 4050 Unfurnished 4030 1 SINGLE woman NEEDS 1 rm, Studio+ Vintage apts to lease condo in Aspen 0 utils! On-site mgmt. W/D, Townhome area. 970-461-4648 DirTV $333-590 970-219-8162 3 Bdrm- 2.5 ba, 2122 SW 3rd, 1 & 2 BDRM, quiet, near $950/mo. Unf bsmt 2 CG. HP. LOVELAND´S BEST rmpm.com 970-669-0842 FOR THE MONEY Garage with storage, A/C. Coin-op. $505 & $555. No pets. Call 970-669-3826.
Duplexes
4060
2 & 3 BDRM, cent. loc. New 1495 CADDOA DR, 2 or 3 carpet/paint. Fncd yd, N/ bdrm, 2 ba, 2 car gar, P.Ht/Wtr pd! 970-308-7387 everything new inside, inc applcs. $1000/mo, wtr & sewer pd. NO PETS Tom 2 BDRM, 1 BA, no pets, 1143 E 5th St. New remodel. (970)679-8567. $550 FPI 970-663-4664 1748 E 16th St. 2 BDRM, 2 BDRM- 521 E. 13th, $525/ 1 Ba, 1 car gar, $650/mo, no pets. Call Tom 970-679-8567 mo. Cat ok. Wall A/C. rmpm.com 970-669-0842 2 BDRM, 1807 E. 16th, $550/ mo, W/D hookups, Call 2 BDRM apts: $595-$650+ rmpm.com 970-669-0842 dep. Clean, fresh paint, sm pets neg. Lvlnd 970-308-4096 2 BDRM- 2354 SW 10th $550 1/2 mo/FREE, Wall A/C rmpm.com 970-669-0842
4080 Mobile Homes/ Real Estate Mobile/ Spaces 4090 Services 5109 Manufactured ✭ 2 BEDROOM Home ✭ SPECIALIZING IN Homes/ $575+dep. West Hwy 34. SHORT SALES Spaces 5130 970-690-9049 Behind on payments? Learn
EQUAL HOUSING OPPORTUNITY All real estate advertised in this paper is subject to the federal and state Fair Housing Act which makes it illegal to advertise “any preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status or national origin, or an intention to make any such preference, limitation, or discrimination.” The newspaper will not knowingly accept any advertising for real estate which is in violation of the law. All persons are hereby informed that all dwellings advertised are available on an equal opportunity basis.
✭ 3 BEDROOM Home ✭ $700 + dep. West Hwy 34. 970-690-9049 Move in April for $1!!!! NO JOKE Only 3 homes available, Quick & Easy Approval Look today, MOVE TODAY Call 970-226-2197 wac NEW HOMES REDUCED! Don´t miss out on this SAVINGS EVENT! Easy approval, quick closings & affordable payments. Tax ID´s welcome. Limited availability ACT NOW!! Call 970-203-0514 *wac
Office Space 4100 OFFICE, RETAIL, INDUSTRIAL. UTIL´S INCLUDED. 970-667-3338
970-635-3650
3 BDRM, 1 car gar $1000/ mo, a/c, dw, Avail May 1, 1805 W 11th St. 970-778-8949
Berthoud
5020
Business 5026 Opportunities
Frederick/ Firestone/ Dacono
Nice 2 BDRM, utils paid. W/D hkup, avail May 1 GARAGE- $950/mo. 2450 Sq $685/mo. (970)669-2645 Ft, Commercial, 1 bath. rmpm.com 970-669-0842
FIND YOUR DREAM HOME
in the classified columns. That’s where you’ll find a complete listing of the best the area has to offer. Call 635-3650
INDOOR GARAGE & Commercial Storage 20x40, 20x50. I-25 & Hwy-66. 970-535- 6074 www.Longmont-storage.com
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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.
5110
Try a classified picture ad! Call for details
3 BDRM, 1 ba, 1 car gar, 4 BDRM, 1.5 BA on 2 acres. fncd corner lot. FSBO. Frpl, A/C, HW flrs new $158,000. 970-290-0847 paint, pets OK + horses. 1400 SF shop & out bldgs. ❒■❒■❒■❒■❒■ Huge 2 & 3 Bed Apts 1919 Blue Mesa. 3 bdrm, 1 $1400/mo+ dep 970-667-1063 Open layout, ba, 1 car, frpl, cent air, $850 lots of storage. Estate Builder 970-667-3400 4 BDRM, 2 BA, 2 car gar, in nice neighborhood, Great Move-In Specials $1100/mo. Call 970-667-0860 Will not last, 3 BDRM, 532 Adams, Restaurant For sale/lease call Lakemont today. $665/mo, pets nego. Call 970.667.1644 A PHONE CALL in Berthoud. Profitable rmpm.com 970-669-0842 bar also avail. ❒■❒■❒■❒■❒■ WORTH $8000.00 Johnstown Tavern lic. 303-817-7973 ”Call us” 3 BD or 2 BD- Free rent! SW DUPLEX– 2 bdrm, fncd We´ll show you how to get Pets nego. Quiet & spac. yard, great view, garage, $8000 for Buying a house with no money out of $625-$695. 970-223-1349 oversized rooms, W/D Pocket. We have until April hkups, frplc, sprinklers. 4951 Basswood Dr, Lvlnd $750/mo. Pets extra. Water 30, 2010 So don´t hesitate ~ let´s get started today! 2 BDRM, 1 bath, nonpd. 1803 Diana Drive. Ken or Tammy smoking, no pets, $625/mo. Call 970-669-6392 Western Plains Realty Hayes @ (303)929-2850 FSBO- 3 bdrm, 2 ba House 970-663-5008 on lg lot in Frdck. $129,500 Furn 1 bdrm utilities pd Quick close, 303-774-7770 122 E 4th St #3 No pets $500. FPI 970-663-4664
Garages/Storage Spaces 4070
Loveland
A picture is worth a thousand words
1 furn bdrm/priv ba 1 furn bdrm/shared ba no pets, non-smoker. $425/ mo inc. all util. $150 cleaning dep. 970-667-8910
3 BDRM- JUNE 1ST No smk/sm pet considered, close to library & rec center. $875/mo. (970)613-0557
more about short sales. Call Hurry in before Tax Credit Penni Zelinkoff program ends! You could Independent Agent possibly receive 10% cash back, call for details! We have financing available for this beautiful 3 bed/2 bath home. Newly remodeled, over 1200 sq ft, 1 year 720-935-9985 warranty included. Penni Lane Real Estate FOR ONLY $16,900!!!! Call Sun Homes- Ft Collins at (888)231-7903 www.4timberridge.com Hurry in before its gone. This offer expires 4/30/10 HOTTEST DEAL in town $139,900, 2 bdrm, 3 ba, 2 car att gar townhome. Best location, mtn view. Qualifies for $8000 & $6500 govt check to you. Cottage Realty 970-532-5900 ✭ MOBILE HOME ✭ SPECIALS 3 BDRM Ranch w/3 car gar, new wind, int com- Many single & dbl wides/ pletely updated. $169,900. Big Sale! Fin avl, auto ap1706 S Douglas 303-775-5463 proval on owner fin homes. Bad credit OK! We´re buying too! Local park needs used mob homes. Moves avl. 970-222-1473 ✭ 690-2725 or 690-3283 ✭
Lots & Tracts
5079
5100
2 ACRE LOT, Berthoud area, $30K price reduction, $139,000. Call Steve Conder for details, 303-514-3706.
ASK ABOUT BARGAIN HUNTER RATES! They’ll save you money!
BANK OWNED- 4 bdrm, 2 bath, new carpet, paint & appliances! $ 179,900. Re/Max Alliance, Wanda Quaid, 970-481-3033 FSBO- 3 bdrm house with 3 bay shop commercial. $289K. 719-433-5095
IMMACULATE Move In Ready Meticulously maintained home. 3 bdrm, 2 ba, A/C, 2-level private deck w/ built-in grill, fully fenced yard, sprinkler system, 2-car garage w/ opener. All kitchen appliances included, everything in superb working condition. Great neighborhood. No HOA. $175K. Please see additional details at: www. 1479cattaildr.com
Mirasol Senior Community Patio home 2 bdrm, 2 ba, $202,000 many extras. Call Amy 970-635-5931 for tour OPEN HOUSE Saturday 1-5 Sunday 1-4 230 Carina Circle #102 Priced to Sell & Move-in Ready! $145,900. 2 bdrm, 2.5 bath, unfin bsmt, det gar, patio. (970)663-6174
MOBILE HOME ✭ $3000 Fixer-upper in Johnstown. Nice yard & trees. Call Brad 970-215-1819
Real Estate Wanted 5170 NEED A FIXER UPPER Location is important to this investor. He has cash. Must have room to repair & resell at a profit. Call (970)622-7426 Sell Your House Fast! Quick Sale - Fair Price 720-962-4688
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Poppies a bright economic choice SHARI THOMAS CSU EXTENSION, LARIMER COUNTY
A
re you continually looking for plants that will give you the biggest bang for your landscaping buck? If you have a sunny bed with moderately dry, lean soil, you have an ideal spot for any member of the poppy family. These perennial extroverts are show-stoppers in the garden, with striking dramatic colors. Oriental poppies, one of the most common varieties, are strong, bold plants with coarse hairy leaves. Flowers are large and showy, up to five inches across, and come in shocking shades of red and orange as well as pastels of pink, coral and white. They have large black interesting centers. The plants can get by on minimal water once established and will become leggy and weak if over-watered. Oriental poppies die back in mid-summer, so plan for another midseason perennial to hide the plant’s decline, such as baby’s breath. You’ll also want to give this plant adequate space to reach its full potential — most plants reach a height of three feet. Another member of the poppy family is Papaver atlanticum or Armenian poppy. These poppies are more delicate, with finer foliage and smaller, melon-orange blossoms atop flexible stems. They look like colored bubbles bouncing in the breeze, since the thin stems appear almost invisible. Use them in the center of the bed among later-blooming perennials to camouflage their die-back in the midsummer. A close cousin, the Iceland poppy, is similar in habit to the Armenian poppy, but does not spread, and comes in a variety of lollipop shades: yellow, orange, salmon, rose and pink. Deadheading these beauties will prolong bloom. Iceland poppies will grow to about 12 inches, while Armenian poppies can reach two feet high and wide. The contrast between the paper-like poppy flowers and the sturdy, stout foliage adds special interest to the perennial bed. California poppies and Shirley poppies are also known as Papaver rhoeas. Both of these plants are notorious self-seeders, but you’d look far and wide before you’d find more likeable overachievers. California poppies have lovely blue-green foliage similar to flat leaf parsley, and sport Bronco-orange two-inch flowers. They are fairly drought tolerant once established, and freely reseed, often sprouting between flagstones and in rock mulch. Shirley poppies have coarser foliage but come in clear shades of pink, red, orange, white and bi-colors, some with fluted edges. They can be readily grown from seed in the garden. More good news: poppies make excellent cut flowers; be sure to sear cut stems with a flame before arranging in water. As a final note, the opium poppy could be called “the King of Poppies.” These plants produce the sedative and often-abused drug, as well as poppy seeds we use in cooking. Can gardeners grow it for its spectacular flowers? At present, the opium poppy is illegal for homeowners to grow — stick with the other varieties mentioned above and you won’t have to worry. The Papaver clan is worthy of a special place in your perennial garden. Although all the varieties mentioned above share the same qualities of drought tolerance, strong character and show-stopping color, each is unique. If you want a truly splashy early-summer display, be sure to include a member of this genus in your perennial bed. Poppies will give your garden pizzazz. Thomas has received training through Colorado State University Extension’s Master Gardener program and is a Master Gardener volunteer for Larimer County. For more information, call 970-498-6000 or visit www.larimer.org/ext.
HOME FIX From Page 7
saved by simply cutting off the power to the unit and washing the coils with a garden hose. Check the insulation in the attic for even distribution. Strong winter winds that blow through the attic can leave loose fill insulation in piles with bare areas near the outside walls. If the attic is accessible, use an extendible painter’s pole with a rake or broom attached to even out the piles of insulation. Also check for voids in open wall cavities at chimney spaces and dropped ceilings above bathroom and kitchen cabinets. If you can see the backside of the wall coverings from the attic, then the exposed areas need to be insulated against the attic’s environment. Openings between the home’s environment and the attic space should be air-sealed as tightly as possible. Canned light fixtures, bath fans, chimney and fireplace openings, and attic-access openings all need to be sealed. Most openings can be sealed with caulking or by adding insulation, but the canned light fixtures need to radiate heat from the light bulbs, so care must be taken to prevent heat buildup at the fixtures. If accessible, use silicone caulking to seal around plumbing vent pipes where they exit the tops on interior walls and where electrical wiring enters the tops of interior walls. Air-sealing will reduce the loss of energy through openings to the attic. Dwight Barnett is a certified master inspector with the American Society of Home Inspectors. Write to him at d.Barnett@insightbb.com.