Real Estate Guide

Page 1

Saturday Reporter-Herald April 2, 2011 C1

Real Estate Matters

www.homeandrealtyguide.com • Saturday, April 2, 2011 • Reporter-Herald

Seller may have been dishonest ILYCE GLINK TRIBUNE MEDIA SERVICES

Q

uestion: I closed on a home in 2008. The owner is financing the property for us. The property was on the market for nine months and didn’t sell. We asked specifically about the condition of the property, as the owner listed it herself. The owner stated that the house was newly remodeled and triple-insulated. We told her we’d like to have it inspected, she stated it would be a waste of money seeing as she just had remodeled it in order to sell it. We took her advice and did not have an inspection. Shortly after moving in, my wife started having terrible migraine headaches. We thought it was pollen or stress, but after doing some investigation we came to find out there were pipes leaking in the wall and the drain from the bathtub drains directly on the ground under the house. In I See Glink/Page C2

Sun Sells Help your home sell with a sun room JILL SCHUETT FOR THE REPORTER-HERALD

T

hese days, buyers are taking a second look at homes that offer unique extra spaces like sun rooms and screened porches — special places that not only bring the outdoors in, but also bring the family together. Sun rooms that radiate light, airy elegance in a home on the market and can sometimes be the very factor that leads to a sale. That’s why it is so important to make sure these wonderful spaces get noticed.

FIRST THINGS FIRST A sun room is not the place for storage, clutter or heavy, dark, outdated furniture or dark wood paneling. A sun room should not be considered an afterthought,

but a viable, sellable focal point. Buyers are looking for bright, updated bonus spaces — so give it to them. • A sun room should first be cleaned, cleared of clutter and windows cleaned to sparkle inside and out. • Any wood paneling should be removed and the wall underneath prepped and painted. Or, paneling can be lightly sanded, primed and painted over in white or cream to give it a bright cottage feel. Another idea is to paint sun room walls a light sage green to mimic the look and feel of the outdoor landscape. • Take into consideration

that today’s home buyers prefer wood flooring or tile in spaces like this, rather than carpeting.

STAGE IT TO SELL • Wicker furniture sofa sets are ideal for sun rooms. Or, repurpose an outdated sofa and place a fitted white or cream slipcover over it, and adorn with several brightly colored throw pillows. If room size allows, place two wicker chairs with a small round table in a cozy corner as a second conversation area to show buyers more uses for the space like playing cards or eating

ies or lemon bars. By inviting potential buyers to enjoy refreshments, it allows them to linger and experience the room while taking in another valuable selling feature — the view outdoors. • Tile or wood flooring can be softened by placing a neutral room rug under the sofa or dining seating area. • Hang some white, airy, to-the-floor sheers from the windows to further soften the space, and tie them with raffia or ribbon. • Add a tabletop water feature to bring a relaxing, enticing sound to the space. • A few simple, wellShutterstock photo placed botanical wall art pieces are tasteful and unbreakfast. derstated. • Instead of a wicker sofa • Bring in several floor set, choose a wicker dining plants, a palm, tabletop set or any lightweight, white plants, and lots of red potted or light wood or glass top geraniums for color. dining table. This option Turn buyer’s heads by shows buyers how they could making a sun room go from use the space for dining, dismal to sensational — and family time and entertainget it sold. ing. Placing a large vase Jill Schuett is a Home bursting with a variety of fresh, colorful flowers on the Staging Expert (HSE) certitable brings the outdoors in, fied stager and re-design specialist serving the Northern creating instant, eye-catchColorado area. For questions ing appeal. • For spring and summer or more information, e-mail Schuett of Applause Home showings and open houses, put out a glass pitcher of wa- Staging, LLC jill.applause@ comcast.net, or go to ter with ice and sliced lemons with glasses on a sun www.applausehome room table. Add some cook- staging.com

Inside this week’s Home & Real Estate Realtor of the Week

Real Estate Transactions

Carol O’Meara:

Listings from Front Range properties recently sold

New ways of dealing with weeds

Robert Walkowicz, The Group, Inc. Real Estate

Director y

Page C4

Page C2

Page C6

Page C5

FEATURED PROPERTIES - UP TO $199,999 OPEN HOUSE SATURDAY 1-3PM

OPEN HOUSE SAT & SUN 12-5 PM

OPEN HOUSE SATURDAY 11-1PM

4253 LaVeta Drive, Loveland

4403 Elliot Place, Loveland

136 Dawson Pl, Longmont

4bed/3ba 3 car garage, 2 story home on large corner lot. Move in ready. MLS#646053 $199,900

$2,500 IN FREE OPTIONS!* 3 BR, 2 BA, 2 CAR, ranch style home. Front yard landscaping included w/sprinkler system. $169,900 w/qualifying special financing or $181,400 w/o special financing. *w/ purchase & closing of home - Offer Expires 4/30/11

4 Bed, 2 Ba ranch home. Lg Sq Ft, Huge backyard, quick access to bus route, walk to schools. Subject to short sale - one bank has approved. Looking for options to foreclosure? MLS# 648347 $145,000

Rose Lawrence Cottage Realty 970-532-5900 www.teamcook.biz

Marta Loachamin Century 21 Humpal, Inc 720-323-5089 Marta@century21.com

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

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$200,000 - $299,999 NEW LISTING IN WESTWOOD!!!

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$3,500 IN FREE OPTIONS!* 3 BR, 2 BA, 4 car garage, ranch style home with full unfinished basement. Granite countertops, wood floors, A/C, gas fireplace and 5 piece master bath. $279,617. *with purchase & closing of home Offer Expires 4/30/11

FREE FRONT YARD LANDSCAPING INCLUDING SPRINKLER SYSTEM THRU APRIL 30TH! Gourmet kitchen w/center island. Master w/5 piece bath. Main level utility. A/C. Full unfin bsmnt & a tandem 3-car garage on corner lot. $289,900 (12 Models & 50 Lots to Choose From)

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

Chris Rampone Century 21 Humpal, Inc. 970-430-0845 Chris.Rampone@century21.com

Kevin Cook Cottage Realty 970-532-5900 www.teamcook.biz

Connie Salazar Cottage Realty 970-532-5900 www.teamcook.biz

$300,000 - $399,999 SUPERB QUALITY

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

LAND FOR SALE SALES OFFICE OPEN SAT 11-2PM

OPEN SUNDAY 1-3PM

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500 Mayo Ct, Berthoud-$325,000

4908 Beverly Dr, Berthoud-$389,000

New Custom Ranch - 288 Reservoir

Warberg Farm at Chapman Reservoir

Warberg Farm, Loveland

Custom-built 4202sf, 5BD, 4BA, 2-story on a corner lot! Remodeled kitchen, cherry wood flrs, main flr master ste w/ walk-in closet & 5pc. BA! Finished bsmt, A/C, RV parking & 3- car tandem garage!

Beautifully updated 2815sf home w/4BD, 3BA on 2.42 acres! Upper level could be master suite or in-law apt. 2-stall barn w/ hay storage & tack/feed room, outdoor riding arena & a 52 x 12 outbuilding!

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 side of the road.

OPEN Saturday 11-2PM 2+ Acre Lake front & horse lots starting at $225,000, water tap included. Surface rights, walk paths, parks, boat docks, fishing and peace garden.

OPEN Sunday 1-3PM 2+ Acre Lake front & horse lots starting at $225,000, water tap included. Surface rights, walk paths, parks, boat docks, fishing and peace garden.

Marian Maggi 970-290-0908 marian@berthoudrealestate.com www.berthoudrealestate.com

Kathy Burcham 303-775-7429 kathy@berthoudrealestate.com www.berthoudrealestate.com

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

Todd Murray Century 21 Humpal, Inc 970-290-8899 Todd.Murray@century21.com

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


Saturday Reporter-Herald April 2, 2011 C2

GLINK From Page C1

addition, it turns out there is no insulation in the roof, the windows were installed upside down and not sealed properly, and the septic system is faulty. Within weeks of moving in, we told the seller about the septic issue, insulation and windows, plus we informed her that the air conditioning didn’t work. We didn’t find out about the mold until mid-March. She refuses to fix any of the damage of the house and won’t give us an adjustment for the

Never take the seller's advice when he or she tells you not to hire an inspector.

damage caused to my wife’s health because of the mold. She says she sold her home in “as is� condition. We want out, and we want the $40,000 we have already given her. I have a lot of pictures documenting the damage in the house. She is threatening to foreclose on me. Will a judge rule against me if I go to court and sue her? She did not provide a seller disclosure form, which is required in my state, and I only signed a warranty deed and promise to pay. I feel as though the condition of the home was misrepresented at best. What do you think? Answer: You should run to see an attorney that specializes in real estate litigation. If the information you have provided is accurate, you might be able to rescind the sales contract due to your seller’s misrepresentation and possible fraud. While your seller might have sold the home to you “as is,� your seller still had a duty to answer your questions truthfully when asked. Furthermore, if your state requires a seller to

deliver a disclosure form to you, you might have an action against your seller even if the home was sold “as is.� Given the amount of the renovations made to the home, you might even be able to sue the seller as the person responsible for the poor construction of the home. Based on your description, there are many avenues an attorney could take in thinking about your case and making a determination as to whether you try to void the sale and get your money back, find another home and start over, or sue the seller for damages and stay in the home. That’s why you should talk to an attorney and walk through these issues together. You may have to sue the seller, but you may have a better chance of protecting the money you have invested by being proactive rather than waiting for the seller to come after you. You already made the mistake of seeking her advice and taking it when

it came to doing an inspection. Now you should not let her bully you into believing that you have no choices. You should at least talk to an attorney and see what protections the laws of your state may afford you. You might be pleasantly surprised. And for the future, never take the seller’s advice when he or she tells you not to hire an inspector. If you were buying a car and the seller told you the engine was in great shape, would you take his word or talk to your mechanic?

For more information, call Glink’s radio show at 800-972-8255 on Sundays from 9 to 10 a.m., write to Real Estate Matters Syndicate, P.O. Box 366, Glencoe, IL 60022 or visit www.thinkglink.com.

Real Estate Matters

Regional Snapshot for Loveland/Berthoud Residential

WELCOMES

December

January

February

Active Listings Previous Year Active Listings

834 842

855 941

881 1042

Sold Listings

90

74

79

$219,777 $245,000

$240,000 $195,000

$207,439 $192,500

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

!

! " # $ % ! % ! &

' () '

& $ !

* " # + ' " # !

! ' * , & (-.) *

*

' / # 0

/ 1

' !

"' ' (-23 (-22 !

! *

" ' !"

!

* $ ' !" ! " 4 ' /'

130 128

130 133

128 128

Year to Date Listings Sold Previous Year YTD Listing Sold

1,340 1,297

74 57

153 137

Monthly Volume Previous Year Monthly Volume

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

$20,505,379 $13,173,437

$19,061,523 $19,241,626

Mortgage rate update

Home & Real Estate is produced every Saturday by the Loveland Daily Reporter-Herald.

5! #

"! # 6 '

' ! 7 8 , 1

7

9 4 8 , 4

9 $ : 8$ !

: ! 9 4 8 , 4 ' 6 9 "

This week Last week Trend

DISPLAY ADVERTISING 669-5050

# !

1

;) ' " , ! ' " "'

"!'

,

30-year fixed

4.84%

4.81%

15-year fixed

4.05%

4.02%

5/1 ARM

3.47%

3.42%

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

CLASSIFIED ADVERTISING 635-3650

13-322159

13-325093

saturday

sunday

PRICE

LOCATION

ADDRESS

HRS

OFFICE

PHONE

PRICE

LOCATION

ADDRESS

OFFICE

PHONE

$135,000

SW LOVELAND

2520 BEGONIA

1-1:30

RE/MAX ALLIANCE

970-215-8564

NW LOVELAND

12-5

THE COTTAGE REALTY

THE COTTAGE REALTY

NW LOVELAND

43RD & WILSON AVENUE THE COTTAGES AT ENCHANTMENT RIDGE

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

970-532-5900

From the $140’s*

From the $140’s*

970-532-5900

BOISE VILLAGE NORTH, Âź MILE SOUTH OF HWY 34 ON N. BOISE AVENUE, 1899 10-6 E. 11TH

$140’S -$220’S

SE LOVELAND

MIDTOWN HOMES

970-456-4600

MIDTOWN HOMES

970-456-4600

BOISE VILLAGE NORTH, Âź MILE SOUTH OF HWY 34 ON N. BOISE AVENUE, 1899 10-6 E. 11TH

$150’s $180’s

JOHNSTOWN / MILLIKEN

1849 CHESAPEAKE CIRCLE A, B AND C 12-3

THE GROUP, INC.

970-481-1250

1849 CHESAPEAKE CIRCLE A, B AND C 12-3

THE GROUP, INC.

$152,000

NE LOVELAND

1977 GRAYS PEAK

12-2

THE GROUP, INC.

970-481-1250

$158,000

WINDSOR

1117 WALNUT STREET

1-3

THE GROUP, INC.

970-290-7544

$160,000

SE LOVELAND

190 CARINA CIRCLE #101

1-3

THE GROUP, INC.

970-231-1407

4403 ELLIOT PLACE

12-5

THE COTTAGE REALTY

970-532-5900

$140’S -$220’S

SE LOVELAND

$150’s $180’s

JOHNSTOWN / MILLIKEN

970-481-1250

$158,000

WINDSOR

1117 WALNUT STREET

1-3

THE GROUP, INC.

970-290-7544

$167,000

SW LOVELAND

726 S DEL NORTE

2-2:30

RE/MAX ALLIANCE

970-215-8564

$169,900*

NW LOVELAND

4403 ELLIOT PLACE

12-5

THE COTTAGE REALTY

970-532-5900

$170,000

NW LOVELAND

3275 ADELAIDE PLACE

10-12

THE GROUP, INC.

970-481-2692

$175,000

NW LOVELAND

1806 N DEL NORTE

2-4

RE/MAX ALLIANCE

970-667-1828

$184,702

SE LOVELAND

255 CARINA CIRCLE #104

1-4

THE GROUP, INC.

970-481-9801

$195,000

WINDSOR

680 MOONGLOW DRIVE

1-4

THE GROUP, INC.

970-310-8804

$232,000

NW LOVELAND

4496 HAYLER AVENUE

12-5

THE COTTAGE REALTY

970-532-5900

THE GROUP, INC.

970-962-6832

$232,000

NW LOVELAND

970-290-1798

$264,900

BERTHOUD

$245,000

NW LOVELAND

4111 MARBLE DRIVE

11-1

$264,900

BERTHOUD

COLLINS PARK SUBDIVISION

12-3

RE/MAX ALLIANCE THE COTTAGE REALTY

970-532-5900

970-481-9801

$195,000

WINDSOR

680 MOONGLOW DRIVE

1-4

THE GROUP, INC.

970-310-8804

$214,000

NE LOVELAND

4017 TEMPLE GULCH CIRCLE

1-3

THE GROUP, INC.

970-231-0234

$225,000

SW LOVELAND

2366 FORSYTHIA COURT

2-4

THE GROUP, INC.

970-218-7733

$229,900

NW LOVELAND

2102 FARISITA DRIVE

11-1

THE GROUP, INC.

970-962-6832

4496 HAYLER AVENUE

12-5

THE COTTAGE REALTY

970-532-5900

COLLINS PARK SUBDIVISION

12-3

RE/MAX ALLIANCE

970-290-1798 970-532-5900 970-532-5900

12-5

THE COTTAGE REALTY

970-532-5900

$312,500

SW LOVELAND

474 ARROWHEAD DRIVE

1-3

RE/MAX ALLIANCE

970-481-5015

$314,000

WINDSOR

7407 PIMLICO DRIVE

12-5

THE GROUP, INC.

970-290-8097

$323,400

SW LOVELAND

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

12-4

GLEN MARKETING

970-663-4522

$339,000

SE LOVELAND

4630 TARRAGON DRIVE

1-4

THE GROUP, INC.

970-217-9874

$355,000

NW LOVELAND

3249 CALAHAN COURT

1-3

THE GROUP, INC.

970-481-2692

$389,750

SW LOVELAND

975 PRISM CACTUS CIRCLE

12-4

GLEN MARKETING

970-663-4522

$421,900

SE LOVELAND

4395 THOMPSON PARKWAY

1-4

THE GROUP, INC.

970-217-3464

$499,000

NW LOVELAND

2096 VISTA DRIVE

1-3

THE GROUP, INC.

970-412-7082

$550,000

NE LOVELAND

4997 VALLEY OAK

2PM

RE/MAX ALLIANCE

970-622-1846

$579,000

NW LOVELAND

2325 GLADE ROAD

1-3

THE GROUP, INC.

970-631-2257

$589,000

FORT COLLINS

1102 WOODS LANDING DRIVE

12-3

THE GROUP, INC.

970-481-1250

$895,000

SW LOVELAND

288 RESERVOIR DRIVE

1-4

PREMIER LIFESTYLE

970-481-5512

RE/MAX ALLIANCE

970-481-5015

12-5

THE COTTAGE REALTY

$299,900

NW LOVELAND

1529 DRYLAND STREET

1-3

THE GROUP, INC.

970-679-8084

$314,000

WINDSOR

7407 PIMLICO DRIVE

12-5

THE GROUP, INC.

970-290-8097

SW LOVELAND

Âź MILE WEST OF WILSON ON 14TH STREET SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION

12-4

GLEN MARKETING

970-663-4522

THE GROUP, INC.

970-481-2692

THE GROUP, INC.

4355 RIDGWAY DRIVE

1:30-3:30

1-4

THE GROUP, INC.

1-4

NW LOVELAND

1925 PARK DRIVE

4630 TARRAGON DRIVE

10-12

255 CARINA CIRCLE #104

$298,664

NE LOVELAND

SE LOVELAND

3275 ADELAIDE PLACE

SE LOVELAND

12-5

$289,995

$339,000

NW LOVELAND

$184,702

3830 HIGGINS STREET

12-5

$323,400

$170,000

NW LOVELAND

3830 HIGGINS STREET

4355 RIDGWAY DRIVE

NW LOVELAND

$279,617

NW LOVELAND

NW LOVELAND

$169,900*

THE COTTAGE REALTY

$279,617

$298,664

HRS

970-217-9874

$355,000

NW LOVELAND

3249 CALAHAN COURT

1-3

THE GROUP, INC.

970-481-2692

$389,750

SW LOVELAND

975 PRISM CACTUS CIRCLE

12-4

GLEN MARKETING

970-663-4522

$421,900

SE LOVELAND

4395 THOMPSON PARKWAY

1-4

THE GROUP, INC.

970-217-3464

$499,000

NW LOVELAND

2096 VISTA DRIVE

1-3

THE GROUP, INC.

970-412-7082

$589,000

FORT COLLINS

1102 WOODS LANDING DRIVE

12-3

THE GROUP, INC.

970-481-1250

$895,000

SW LOVELAND

288 RESERVOIR DRIVE

1-4

PREMIER LIFESTYLE

970-481-5512

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

For details about these open houses, see the ads in this section. For additional open house listings, please check the “Real Estate Classifieds� section of this publication. This guide is brought to you by the Daily Reporter-Herald, local real estate agents and area builders.

WWW.HOMEANDREALTYGUIDE.COM •CLICK ON

OPEN HOUSE MAPS


Saturday Reporter-Herald April 2, 2011 C3 A2

Friday Reporter-Herald January 8, 2010

Remodel with

Cedar Supply Remodeling your home this spring: Add value, enjoyment and beauty PAID ADVERTORIAL

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uilding a new deck, fence or outdoor patio cover this spring? Not sure where to start? Need some ideas or installation tips? We Can Help! For over 30 years, Cedar Supply, has been providing high-quality specialty lumber and maintenance- free decking, fencing and pergola building products, to custom home builders, remodelers and the do-it-yourselfers all over northern Colorado.

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WE BUY MILL DIRECT - YOU SAVE! FREE Hinge and Latch Set for 4’ Cedar Privacy Walk Gate

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Buy One Get One FREE Messmer’s Fence and Deck Stain Limit 4 gallons per customer offer valid with this coupon only. Cannot be used in combination with other offers. One coupon per customer. exp. 5/31/2011

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We stock over 25,000 feet of One of the few companies different grades and styles of fencing: that manufactures our own vinyl products. Wood Privacy Chain Link Fencing Ornamental Iron Gates Vinyl Handrailing Dowel Rail Split Rail

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www.CedarSupply.com www.pergolasdirect.com

970-663-2828 7720 S. Hwy 287 Fort Collins, CO 80525

Hours: Mon.-Fri. 8am-5:30pm Sat. 8am-1pm


Saturday Reporter-Herald April 2, 2011 C4

H&RE Real Estate Briefs income of $99,500 and purchased a property that was a median distance of 375 miles from his or her primary residence; The market share of vacation- and in31 percent of vacation homes were within vestment-home sales held steady in 2010, 100 miles and 41 percent were more than although the sales volume declined with 500 miles. the overall market, according to the NaInvestment-home buyers had a median tional Association of Realtors. age of 45, earned $87,600 and bought a NAR’s 2011 Investment and Vacation home that was fairly close to their primary Home Buyers Survey, covering existingand new-home transactions in 2010, shows residence – a median distance of 19 miles. vacation-home sales accounted for 10 perWhile the median income of vacationcent of transactions last year while the por- home buyers in 2010 is slightly above 2007 tion of investment sales was 17 percent, when it was $99,100, the median income both unchanged from 2009. of an investment-home buyer is 5.7 perNAR Chief Economist Lawrence Yun cent below $92,900 in 2007. said, “Despite extraordinarily tight credit Thirty-four percent of vacation-home conditions for purchasing a second home, buyers said they plan to use the property as the market share for vacation and investa primary residence in the future, as did 10 ment homes held steady,� he said. percent of investment buyers. The volume of 543,000 vacation-home Twenty-one percent of investment buyers sales was down 1.8 percent from 553,000 in 2009. Investment purchases fell 7.8 per- and 14 percent of vacation buyers purcent to 867,000 in 2010 from 940,000 the chased the property for a family member, friend or relative to use. previous year. Primary residence sales declined 5.6 percent to 3.81 million from Vacation-home buyers plan to keep their 4.04 million in 2009. property for a median of 13 years while inThe typical vacation-home buyer in 2010 vestment buyers plan to hold their property for a median of 10 years. was 49 years old, had a median household

VACATION- AND INVESTMENT-HOME SHARES HOLD EVEN IN 2010

Realtor of the Week

Robert Walkowicz BROKER ASSOCIATE/PARTNER, THE GROUP, INC. Location: 2803 E. Harmony Rd, Fort Collins Contact: 970-377-4945, rwalkowicz@thegroupinc.com or www.robertw.com Designations, Affiliations & Accolades: Certified Residential Specialist, Graduate Realtor Institute, Certified Distressed Property Expert, Member of The Institute for Luxury Home Marketing, Loveland/Berthoud Association of Realtors, Colorado Association of Realtors, National Association of Realtors, Current Director for the Colorado Association of Realtors, Past Realtor of the Year — Loveland Berthoud Association of Realtors, Past Director for the National Association of Realtors, Past Northeast District Vice President, Past President of the Loveland Berthoud Association of Realtors Years of experience: 15

W

alkowicz has grown up in this community and values the quality of life in Loveland and the region. As a second generation Realtor, he has seen many changes in the industry and how helping people can make a dramatic change in their lives and how that impact can be positive for all us in the community and region. He continues to serve the Realtor organization as well as his community in a variety of ways and enjoys helping sellers, first-time homebuyers, and investors in the Loveland, Fort Collins, Windsor and Wellington areas. Walkowicz joined The Group in 2000, lives in Loveland and is grateful for the opportunity to work with people and to use his skills and knowledge in helping people with one of the largest decisions of their lives.

WELCOMES

NAR opposes high down payment requirement

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NATIONAL ASSOCIATION OF REALTORS

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igh down payment requirements being proposed by federal regulatory agencies as part of the upcoming rulemaking under the Dodd-Frank Wall Street Reform and Consumer Protection Act will unnecessarily burden homebuyers and significantly impede the economic and housing recovery, according to the National Association of Realtors. Six agencies are developing a proposed risk retention regulation under the Dodd-Frank Act that requires lenders that securitize mortgage loans to retain 5 percent of the credit risk unless the mortgage is a qualified residential mortgage (QRM); FHA and VA mortgages would also be exempted. The purpose is to create strong incentives for responsible lending and borrowing. “As the leading advocate for homeownership,

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13-322160

NAR supports a reasonable and affordable cash investment requirement coupled with quality credit standards, strong documentation and sound underwriting,� said NAR President Ron Phipps, broker-president of Phipps Realty in Warwick, R.I. “A narrow definition of QRM, with an unnecessarily high down payment requirement, will increase the cost and reduce the availability of mortgage credit, significantly delaying a housing recovery.� NAR believes that Congress intended to create a broad QRM exemption from the 5 percent risk retention requirement to include a wide variety of traditionally safe, well-underwritten products. Congress chose not to include a high down payment among the criteria it specified in the DoddFrank Act to guide the regulators in defining a QRM. Strong evidence shows that responsible lending standards and ensuring a borrower’s ability to repay have the greatest impact on reducing lender risk.

Open Houses This Weekend - www.thegroupinc.com $0 DOWN

NEW LISTING

SPACIOUS TOWNHOME!

SATURDAY & SUNDAY 12:00-3:00

SUNDAY 12:00-2:00

SATURDAY & SUNDAY 1:00-3:00

SUNDAY 1:00-3:00

1849 Chesapeake Circle, A, B and C, Johnstown 2-3 beds, 2-3 car garage, main floor and 2 stories available. Maintenancefree townhomes w/open floor plans. Features many upgrades, central air, fireplace, tile entry, decorative light fixtures w/fans, walk-out basements, breakfast bar & more.

1977 Grays Peak, Loveland Main floor condo w/ 2 bedrooms, 2 baths, office + 1 car detached garage. Kitchen w/ island, 42� cabinets & many upgrades. Master w/retreat, private bath & walk-in closet. Office with French doors. High efficient furnace & water heater, central air & ceiling fans. Fenced yard. Maintenance-free living.

1117 Walnut Street, Windsor Beautiful updated tri-level with new roof in 2008, new siding, new gutters, new paint, newer carpet and flooring. Large fenced yard with storage shed. New flagstone patio.

190 Carina Cir #101, Loveland Better than new 3bd/3ba 1953 sq. ft. townhome in desirable Stone Creek. Former model home! Finished basement with media room, bedroom & full bath. Close to everything with pool, hot tub, clubhouse and exercise room. Priced to sell!

$150’s to $180’s

$152,000

$158,000

$160,000

MLS# 642720

MLS#

MLS# 651263

MLS# 636679

Call John Simmons or Tracy Wilson

Call John Simmons

Call Laura Thomas

Call Jennifer Carpenter

481-1250 or 567-0907

481-1250

290-7544

231-1407

NEW HOMES!

SATURDAY & SUNDAY 10:00-12:00

FRIDAY - SUNDAY 1:00-4:00

FRIDAY - SUNDAY 1:00-4:00

SUNDAY 1:00-3:00

SUNDAY 2:00-4:00

3275 Adelaide Place, Loveland Low-maintenance townhome w/neighborhood trails & pool. Large master w/walk-in closet. Gas FP. Tile in kitchen & eating area. Features walk-in tub, 60-gallon water heater, patio, front porch & shop area in basement w/lots of shelves. 2nd bedroom and bath. Roomy 2 car garage.

255 Carina Circle #104, Loveland Granite counters, SS appl, wood flrs, vaulted ceilings, fireplace & full bsmts. They are going fast! HOA covers water, sewer, trash, exterior maintenance & insurance, landscape & snow removal, cable, clubhouse, pool & hot tub.

680 Moonglow Drive, Windsor New Homes starting in $190,000s! Ranch & 2-story plans. Personalize your home from framing to finish! Front landscaping with sprinkler is included. Miles of bike trails open space & parks. Call for your personalized showing today!

4017 Temple Gulch Circle, Loveland HIGH ENERGY-EFFICIENT, END UNIT townhome facing huge open space. New carpet on main & stairs. Vaulted ceilings in great room & bdrms. Gas FP, kitchen w/large island, pantry, black appliances. Spacious master w/balcony overlooking open space, 2 closets, 5-pc bath, 9x8 sitting area. Home Warranty.

2366 Forsythia Court, Loveland, CO Immaculate 3bd/3ba home in wonderful SW Loveland! Wood flrs, fireplace, office w/ French doors, vaulted ceilings, rec room, oversized master bath. Freshly painted inside/out. STUNNING GAZEBO! CUL-DE-SAC. Directions: Taft to 1st, West to Luanne, South to Forsythia. Please visit http://2366forsythia.thegroupinc.com

$170,000

$184,702

$195,000

$214,000

$225,000

MLS# 638177

MLS# 645344

MLS# 640714

MLS# 648996

MLS# 649664

Call Diana Luthi

Call Georgena Arnett

Call Kelli Couch

Call Cathy Vance

Call Lori Moffat

481-2692

481-9801

310-8804

231-0234

218-7733

SUNDAY 11:00-1:00

SATURDAY 11:00-1:00

SATURDAY 1:00-3:00

SATURDAY & SUNDAY 12:00-5:00

TUESDAY - SUNDAY 1:00-4:00

2102 Farisita Drive, Loveland All brick custom home. Over 2,000 sf on one level. New carpet throughout. Solid wood 6-panel doors. Pella windows, Jenn-aire range, oversized garage, clean hot water heat, full rock fireplace. Spacious corner lot. Light & bright southern exposure w/views of Rist Benson Lake.

4111 Marble Drive, Loveland Patio home with inviting sunroom leads to spacious dining & living rooms. Gas FP, central air. Master with 5-piece bath has large soaking tub & walk-in closet. Grab bars at doors & showers for additional safety. Oversized 2 car garage.

1529 Dryland Street, Loveland Brand new ranch style home built in Taft Farms by Keirns Construction. 3 bedrooms, 2 baths and a 3 car garage. Several other plans and lots to choose from. Call for details.

7407 Pimlico Drive, Windsor Brand new 4 bedroom, 3 bath, 3 car garage on 8000 sq ft open space lot. 2549 finished sq. ft. Granite kitchen, hardwood floors, lots of extras. $314,000. Ask about our great builder incentives! Other plans available starting at $235,000.

4630 Tarragon Drive, Loveland NEW PATIO HOME MODEL IN THOMPSON CROSSING. Choice of 6 ranch plans, 3-car garage options, garden level lots, views, low HOA dues. Convenient location, yet tucked away. Enjoy the million $ sculpture walk, trail & easy access to I-25. Low maintenance living at its best!

$229,900

$245,000

$299,900

$314,000

$339,000

MLS# 634231

MLS# 648983

MLS# 624979

MLS# 640727

MLS# 645384

Call Cindy Kurtz

Call Cindy Kurtz

Call Stephanie Kirkland

Call Kristen Specketer

Call Becky Vasos

962-6832

962-6832

290-8097

970-217-9874

679-8084

SATURDAY & SUNDAY 1:00-3:00

SATURDAY & SUNDAY 1:00-4:00

SATURDAY & SUNDAY 1:00-3:00

SUNDAY 1:00-3:00

SATURDAY & SUNDAY 12:00-3:00

3249 Calahan Court, Loveland Covered front porch on the lovely maintained home on a quiet cul-de-sac. Hardwood flooring, maple cabinetry, Corian countertops & slate. Eatin kitchen plus formal dining. Gas FP, a/c. Upstairs master & laundry. Bsmt theater, slate wet bar, bedroom & ž bath. Large patio area, fenced backyard & dog run.

4395 Thompson Parkway, Loveland AVAILABLE NOW‌The Perfect Combination, Unique lot plus popular ranch plan by Hartford Homes = gourmet kitchen, formal dining, separate guest suite, study & private master with 5 piece bath. Lot sides to million $ sculpture walk, overlooks open space.

2096 Vista Drive, Loveland Custom home with incredible quality & style. Located on The Olde Course at Loveland. Secluded back patio. Kitchen w/granite countertops, large island, 5-burner gas range & double ovens. Main floor office, formal dining & living room. Heated shop & heated driveway. Mature yard.

2325 Glade Road, Loveland Serene setting on 5 acres. Back patio backs to Big Thompson River. Awesome views of Devils Backbone from upper deck. 2 master bedrooms, 5 baths w/ many updates. Set-up is perfect for family or guests w/living area & kitchen. 980 SF garage/shop/office. Bring your horses!

1102 Woods Landing Drive, Fort Collins Custom built ranch w/5 large bdrms & 3 baths on .5 acre. $65k in landscaping: stamped concrete, water feature, shed, walk-ways, sprinklers, drip system, fenced yard. Gourmet kitchen w/slab granite counters, 42� knotty alder cabinets, walk-in pantry & ss appliances. Finished bsmt w/wet bar, pool table & rec area.

$355,000

$421,900

$499,000

$579,000

$589,000

MLS# 650238

MLS# 642499

MLS# 644585

MLS# 650667

MLS# 643343

Call Diana Luthi

Call Valerie Schlageter

Call Diane Iwanicki

Call Bob Skillman

Call John Simmons or Jesse Laner

481-2692

217-3464

412-7082

631-2257

481-1250 or 672-7212


Saturday Reporter-Herald April 2, 2011 C5

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.

Loveland • Zachary Rodriguez from Loveland Midtown Development I, 892 Libra Ct, Loveland, $204,900, home • Theresa Morgan from P M Property Investments LLC, 518 E 9th St, Loveland, $139,000, home • Brian & Heidi Frederiksen from Jeffrey Peeler, 3302 Spring Mountain Ct, Loveland, $475,000, home • Ivan & Cheryl Vasquez from Traders Network Inc, 4301 Harrison Ave, Loveland, $200,000, home • William Ehrlich from At Liberty Bonding LLC, 1156 E 5th St, Loveland, $100,000, home • Abbe Carlson from Loveland Midtown Development I, 1880 Gemini Ct, Loveland, $181,200, home • Wanda Bertea from Julie Putnam, 3314 Williamsburg St, Loveland, $183,300, home • Heather Calvin from Samantha Spear, 2179 Chancery Dr, Loveland, $188,500, home • Troy & Misty Krebs from Jerry Josh, 620 E 41st St, Loveland, $139,000, home • David Warnock from Mark Olson, 363 Krypton Ct, Loveland, $150,000, home • Christopher Amatrone from Oak Valley Homes LLC, 275 Carina Cir Unit 106, Loveland, $181,000, condo • Darrel & Patricia Guthrie from Richard Schilling, 3112 Allison Dr, Loveland, $274,000, home • Robert & Kristin Fenwick from Thomas Weber, 4203 Stringtown Dr, Loveland, $191,000, home • Lawrence Tanella from Edward Darchuk, 612 E 10th St, Loveland, $135,000, home • Christine Webb from Chris Gattoni, 2433 Silver Fir Ave, Loveland, $233,000, home • Jason & Janelle Os-

borne from Kimberley Hartke, 636 Scoria Ave, Loveland, $229,000, home • Janice Knudtson from Ruby Scott, 4232 Florence Dr, Loveland, $217,500, home

Berthoud • Mychelle & Daniel Lopez from Federal Home Ln Mortgage Corp, 3900 W County Road 10, Berthoud, $173,000, home • Chris & Jessi Mccourt from Bradley Phelps, 2913 Martingale Dr, Berthoud, $336,000, home

Estes Park • Gregory & Phyllis Edelbrock from Marys Meadow Development Inc, 341 Kiowa Dr, Estes Park, $395,500, home • Fredrick & Barbara Silverman from Mark Theiss, 1459 S Saint Vrain Ave, Estes Park, $350,000, home • Robert & Patricia Luther from Kingswood Homes Inc, 518 Promontory Dr, Estes Park, $472,000, home

Johnstown • Justin Frank from Homesales Inc, 332 Riviera Ln, Johnstown, $135,000, home • Timothy Marshall from Harborview 2005 3 Trust Fund, 243 Granite Way, Johnstown, $163,900, home • Timothy & Michele Lucas from TJ Bldrs Inc, 1769 Suntide Dr, Johnstown, $209,000, home • Platinum Lllp from JD Evens, 7632 E County Road 16, Johnstown, $485,000, home

Milliken • Joshua & Caroline Ramirez from Colo Community Bk, 234 S Tamera Ave, Milliken, $147,000, home • Nicholas Lewis from Deutsche Bk Natl Trust Co, 141 E Hawthorne Ct, Milliken, $130,000, home

Windsor • Ardis Fowler from Patrick Fahey, 247 Rock Bridge Ln, Windsor,

$180,000, home • Deborah Essert from Fannie Mae, 1031 Riverplace Dr, Windsor, $239,000, home • Lee & Laura Frankenberger from Homesales Inc, 624 Walnut St, Windsor, $115,500, home • John & Barbara Read from Jerry Steele, 33936 Cliff Rd, Windsor, $370,000, home • Amy Pierce from Pat Woodward, 225 Habitat Cir, Windsor, $220,000, home • Diane Maddox from Eric Anderson, 827 Bluegrass Way, Windsor, $197,000, home • Joakim & Melanie Holzner from William Anderson, 7345 Royal Country Down Dr, Windsor, $620,000, home • Todd & Kimberlee Geatches from Thomas Blesener, 7039 Ruidoso Dr, Windsor, $382,000, home • Corey & Natalie Deangelis from Fannie Mae, 6546 Aberdour Cir, Windsor, $339,900, home • John Sollo from Vera Chipman, 601 Walnut St, Windsor, $201,500, home • Southgate LLC from Compass Bk, 753 Champion Dr, Windsor, $2,000,000, home • Alan & Leslie Percival from Taylor Bean Whitaker Mortgage, 7693 Big Sky Ct, Windsor, $445,000, home • Sherry Wirtz from Fed Home Loan Mtg Corp, 223 Habitat Cir, Windsor, $186,200, home • Stephen Way from Melody Homes Inc, 1569 Windshire Dr, Windsor, $252,100, home • Omar & Torie Serrato from Wells Fargo Bk, 810 Pine Dr, Windsor, $205,000, home • Jay & Nancy Hardy from Herbert Brady, 304 Habitat Cv, Windsor, $410,000, home • Resident from Ernest Osborn, 903 Mesa Ct, Windsor, $141,000, home • Robert Folbrecht from Beth Stadem, 29 Ash St, Windsor, $135,000, home

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Saturday Reporter-Herald April 2, 2011 C6

H&RE Front Range Gardening

In

Rotation

Weeding

of their lawn.” This intolerance for weeds is, in part, due to advertising that characterizes all uninvited plants as weeds to be eradicated, she said, which leads to intolerance for wayward seedlings. “When people start to be aware of wanting an organic lawn, often they feel guilty, worried that the neighbors won’t like them because they have weeds in their lawn. But there are weeds you don’t have to do CAROL O'MEARA anything about; they’re just plants.” CSU EXTENSION, BOULDER COUNTY Gift is quick to acknowledge that there are weeds that fall f you’re shopping for a book on weeds in the “bad weed” categofor your library, look for one to help ry, such as those which you easily identify the bane of our cause allergies, are yards and gardens. Truly useful tomes are painful or poisonous. those that offer photos or line drawings These she agrees need control to help you in identification, plus inforand offers tips for getting to the mation on how it grows and advice on root of those problem plants. “We need how to control it. But if the weed guide to understand where the weed comes comes complete with cooking tips, the from, what point in its growing cycle it’s book you have enters the realm of mustweak, and plan our attack. If we can fighave resources for gardeners. ure out when to take action, we can avoid I’ve never had a book on weeds include using a lot of chemicals.” a chapter with recipes, but Nancy Gift inWriting a book that cluded them in her new book, “Good categorizes weeds as Weed, Bad Weed” (St. Lynn’s press, Pitts- good, bad, or notburg, $17.95) for a reason. “There’s a so-bad was chalsweet revenge in eating a weed that’s lenging, said Gift, growing in because weeds don’t bethe lawn have the same in all locations. where you What is unremarkable in one area don’t want of the country might be an invasive it to be,” nightmare in another, so her advice on said the learning to live with them — like author and trellising bindweed to enjoy its weed scienlovely flowers — might strike tist, who some as borderline wacky. brings a reBut her easy -to-use guide freshing perspective to the plants we conlists the most common sider uninvited guests. “People care about weeds because they weeds and includes photos to help you identify seedlings and mature hate them, but my background is that I love them,” said the assistant professor of plants, along with tips for using or appreciating their beauty. For those Environmental Studies at Chatham Uniwho want to get rid of the weeds, versity in Pittsburg. “I have my Grandmother’s love of plants, and I look at how Gift covers a variety of ways to control them other than reachpeople use them.” After a career spent working with farm- ing for a bottle of chemicals. Within each description, ers as an Agriculture Extension Agent with Cornell University, Gift moved to the Gift includes her experience with the weed and what lead her to including suburbs and saw that the style of weed it in the book. Those that didn’t make it control in home yards was based on the into this guide can be found at goodfarmers’ method of spraying herbicides. weedbadweed.weebly.com. “But the rates of spray homeowners use Finishing the book with a flourish, she is much higher than growers use, because included a few recipes, in case you want farmers are minimizing how much to whip up a few dishes to serve those they’re exposed to and trying to keep costs down. Homeowners are more inter- judgmental neighbors at the summer potluck. ested in getting every last dandelion out

Woes

Rotate crops for a healthy vegetable garden

Book offers a new way to look at weeds

STEVE GRAHAM MCCLATCHY-TRIBUNE

O

rganic vegetable gardening is about maximizing the soil quality while minimizing pests and other problems, all without using chemical additives. One important, simple and often-overlooked tenet of maintaining a healthy vegetable garden is crop rotation.

I

WHY ROTATE CROPS? Rotating different types of vegetables through each section of a garden plot ensures a good nutrient balance. Various types of vegetables use different nutrients and grow to different depths, which impacts the soil structure. Crop rotation also prevents the concentration of plantspecific diseases and insects, though this may be unavoidable for some small backyard veggie plots. Even if you don’t practice strict organic gardening practices, crop rotation can boost garden productivity while reducing the need for pesticides or fertilizers. Proper crop rotation can also keep weeds to a minimum. For example, potatoes hold their own in a weedy patch and are easy to weed. It’s harder to reach weeds in between onions, which also often aren’t as hardy. Diligent weeding while potatoes are in a given garden section will pay off in the following year if onions go into that plot.

Carol O’Meara is with CSU Extension in Boulder County. Contact her at 303-678-6238 or comeara@co .boulder.co.us.

Front Range Gardening

HOW TO ESTABLISH A CROP ROTATION A crop rotation schedule should be at least three years, so if you plant tomatoes in the northwest corner of the plot, they should not return to that spot for at least three years. Before starting your annual planting, list your desired vegetables for the whole season, then draw out a plan and amend the soil accordingly for each section and vegetable type. At the end of the season, take out the plans and make notes on your successes and failures. This will help you know how to amend the soil in each section the following season.

FAMILIES OF VEGETABLES

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

Duplexes Apartments/ Unfurnished 4030

4060 Houses

SW DUPLEX– 2 bdrm, fncd yard, great view, garage, Avail: 2 bdrms, exc cond, wood & carpet flr´g, new ht & wtr pd, central loc, countertops & fresh paint, fncd yd. 970-308-7387 oversized rooms, W/D hkups, frplc, sprklers, $750/mo. $25 extra for one pet only. Water pd. 1803 Diana Dr. Call 970-669-6392

Commercial Industrial 4040 Apartments/ Unfurnished 4030 ”0“ UTILS! 1 or 2 room studios, vintage apts. Onsite mgmt. W/D, WiFi, DirTV $335-$630 970-219-6353 1 BDRM- 1314 E. 16th, $490 Wall A/C, Bright! rmpm.com. 970-669-0842 ✭1 BDRM apts. Clean!✭ Laundry & garage avail. No smk/pets. $500/mo. Call. 970-231-2566 ✭No Fri eve/Sat calls✭

6000 SF Retail/Warehouse on Hwy 287. Overhead door. 970-593-2401 or 970-227-7447. GREAT Location! 2300 Sq. Ft. Nice office building at Hwy 34 & 287. (970)667-7774

4060

2 BDRM, 1816 Lydia- $825 Unfin bsmt, 1 car garage rmpm.com. 970-669-0842

Lincoln Place 325 E. 5th St., Loveland. 970-461-8000

LRG 2 bdrm, new carpet, tile & paint. North side. 1 car gar. Frpl, sewer/ water pd. $850/mo. 218-9212

CALL 635-3650 FAX 635-3677 The selling numbers to call and place your ad for fast results!

3 BDRM 923 E. 8th, $825 Pets neg, unfin yd, Av 5/1 rmpm.com. 970-669-0842 4 Bdrm- 2090 Luvesta $3295 Custom home on 3 acres. Call rmpm.com 669-0842 FOR LEASE- 3+ bdrm, 1.5 bath ranch, fncd yard. 1224 West 10th. $1100 970-218-6229 or 970-685-4085

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.

2 Bdrm- 925 Lincoln $995 NEW PRICE! Remod kit rmpm.com. 970-669-0842 2 BDRM 9441 WCR 18E $1095. 1⁄2 acre yd, pets nego www.rmpm.com. 669-0842 3 BDRM, 2 BA, 1923 SF ranch, 3 car gar, A/C, in Berthoud, No pets or smokers. $1395/mo. Avail 4/1. (970)667-7908

Loveland

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

4130

2628 HARTSEL CT. MLS #648330 $259,900, 4 bed, Effiency Apartment, 4 ba brick ranch, 3340 sqft, all utils inc, fully furnished. oversized 3 car gar w/ RV $450, Avail immed. Bay. Call Rob 970-203-1101 970-227-1585 At Home Real Estate Co NEWER HOME 1 bdrm, 1 ba, share gar, W/D, 4 CAR GAR, new 3 bdrm, 2 cbl/internet. $550/mo. inc. ba ranch, 5 pc mstr, granutilities (970)402-2131 ite, A/C, frpl, wood floors, backs to greenbelt. $279,617 Cottage Realty 970-532-5900

OWN your own home for what you pay in Rent! Lowest rates, $0 - $1000 Down Free Prequalification. Western Plains Realty Ken or Tammy 970-663-5008

✔✔✔✔

2 BD- 2027 Tonopas, $1050 Unfin bsmnt, Avail 5/1 rmpm.com. 970-669-0842

2 Bdrm, quiet brick 4-plex. 2 BDRM, 1 BA, W/D, A/C, NS/NP,Refs.$575+dep. pets nego. No smoke. Avail Avail 4-12. 970-391-0948 5/1. Refs req´d. $725/mo + utils & dep. 970-596-4669 DOWNTOWN LUXURY APARTMENT HOMES Studio 1, 2, & 3 LARGE 3 Bdrm w/gar $725 BedroomsNo pets/smokers, fncd yd, •Great Amenities covered patio, wtr & mow•Pet Friendly ing paid, send app letter & •Covered Parking ref to PO Box 272121 Ft. •Amazing Views Collins 80527.

Immediate Move-In Special 1 Month Free on our 2 bedroom Vermeer floor plan!

4080

2 BD 1550 W. 28th, $1795 Fully finish, on golf course rmpm.com. 970-669-0842

Duplexes

1 Block from downtown 4th Street

12´ x 24´ Cold Storage Garage, avail now. $95/mo. Call 970-219-1914

Condos/ Townhouses 4050 Houses

2 bdrm, 1.5 ba, 2 stry, Very 1 BDRM Executive Nice, by park, hdwd Pet? Spacious, well-appointed N/S. $775. Lvld. 970-227-7026 loft in Downtown Loveland with optional single-car ga- 2 Bdrm 2070 Manitou, $1095 rage. This beautiful 1100 sq Sm dog ok, AC, unfin bsmt ft apartment is newly renrmpm.com. 970-669-0842 ovated. $950 per month. No smoking or pets. Call 970-980-6801 for application. Condo, 2 bdrm, 2.5 ba, hookups, H20, sewer, trash 1 BDRM new paint/flring, pd, garage, pool, clubhouse W/D hkup, all utils pd. No acces $750/mo. 3660 25th smk/pets. $595. 970-669-2645 Street #1104 Greeley, CO. 1 CUTE Studio, 28 Idlewild Faith Property 970-377-1626 $450, fireplace, river access rmpm.com. 970-669-0842 2 BDRM, 2 full ba, W/D, new carpet, balcony, $830/ mo inc utils, 1043 Eagle Dr Lvld. 970-667-7000x106

Garages/Storage Spaces 4070

4080 Rooms For Rent

A picture is worth a thousand words

Berthoud

5020

BANK OWNED2-story, 3 bdrm, 4 bath, 2878 SF Fin. C/A new int paint/carpet. $239,900. Re/Max Alliance, Wanda Quaid, 970-481-3033

Try a classified picture ad! Call for details

970-635-3650 BANK OWNED, HUD & VA www.Foreclosures InLoveland.com to request a copy of the list! Julie Stinson RE/MAX Alliance 970-622-1809

Commercial 5030

Quiet Patio Home, 2 bdrm with den, 2 ba. FSBO. Berthoud 1710 sf Steel bldg $189,900. 659 Radiant Dr. for lease $1200. mo/purch 970-593-1135 leave msg. w/poss owner carry, also adj vac lot. 303-888-5882 ● TRI-LEVEL- 2400 SF, 4 bdrm, 3 bath, updates! 10K Sq. Ft. lot, $225K Appt only, 970-635-1862. ✭ 2 BEDROOM HOMES ✭ $575 to $650 + dep. W. Hwy 34. Pets on appr Se Habla Espanol ON THE COURSE, 3 bdrm, (970)685-8573 3 ba, new everything, on Vista. $249,900 970-215-8212 ✭ 3 BDRM, 1 BATH ✭ W. Hwy 34. $700/mo + dep. Pets on appr. Se Habla Espanol, 970-685-8573 BUYING & SELLING All types of mobile homes! (970)962-9860 IT PAYS TO BUY! $1000.00 Cash Rebate If purchase Feb. Easy Credit Low Down Starting under $699 1755 E Pearl Drive YOUR That includes Lot Rent! Loveland CO Sunset Park BUSINESS... 970-420-8488 Beautiful, well managed complex for 55 and older I WILL MOVE YOUR adults. Quiet, convenient. MOBILE HOME FREE Tree lined private streets. LOT RENT This 1999 doublewide home An ad in the Business & STARTING @ $199 has 3 bedrooms, 2 baths, Services Directory will 250+Communities 1620 SqFt., Single garage. make your phone ring. to choose from One of the prettiest lots Offer expires 3/31/2011 in the park! $55,000 970-635-3650 or 970-420-8488 Call Betsy Burns. Coldwell 303-776-7440 Banker Residential Brokerage (970)215-1776 Motorcycles are selling fast in the ReporterOffice and Retail spaces. ASK ABOUT BARGAIN Herald classifieds. Starting at $150. Utilities Advertise your today. HUNTER RATES! Included. 970-613-1477 635-3650 They’ll save you money!

Mobile Homes/ Spaces 4090

Condos/ Townhouses 5040

Loveland

Mobile/ Manufactured Homes/ 5130 5110 Spaces

Most vegetables belong to families that need the same nutrients and fall victim to the same predators, but the connections are not often obvious. Here is a quick guide to vegetable families: • The large and diverse cabbage family also includes arugula, broccoli, Brussels sprouts, cauliflower, kale radishes and turnips. They need firm, moist soil, and should follow the nitrogen-fixing bean family. • The onion family also includes garlic, leeks and shallots. They need well-drained soil, and they can follow potatoes or cabbages without necessarily requiring new organic enhancements. • The squash family also includes zucchini, watermelon and cucumbers. They can be grown alongside cabbages and potatoes, and need a good dose of compost before planting. Most of these plants are good at blocking weeds, so can be planted strategically. • Many peas and beans are in the same family. They can be planted after potatoes, as they use many of the same nutrients, but before cabbages, as they will fix nitrogen for these plants. • Beets are related to chard and spinach. Like cabbages, they like wet, fertile soil. • By contrast, lettuces and artichokes like well-drained soils. Also keep in mind that lettuce is very fragile and prone to attack from diseases and pests. Make sure it is easy to reach, and not covered by other plants that may harbor lettuce’s enemies. • Perhaps the most diverse and odd family combines potatoes, tomatoes, peppers and eggplants. Though the fruit varies widely, they all have similar flowers. They like fertile, compost-rich soil. • The carrot family is another diverse clan united by its flowers. It includes celery, parsley, parsnips and fennel. These are generally pretty hardy, and can thrive in the remnants of additives that were used for cabbages or other needy plants.

LONER CROPS Several plants don’t fit any of the above categories, making them versatile enough to fill any holes in the garden plan. They include sweet corn, buckwheat and New Zealand spinach. On the other hand, consider planting designated permanent beds for perennial rhubarb and asparagus. Crop rotations can also be used in a greenhouse, though the tight space may make a good rotation tricky. Instead of trying to rotate crops around the greenhouse, consider skipping certain varieties for a season. Following a simple crop rotation schedule is an important piece of the organic gardening puzzle. Also use healthy, compost-rich soil; make smart plant selections; practice companion planting; and provide a welcoming habitat for lady beetles and other beneficial insects that get rid of unwanted pests.

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Office Space 4100

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