Real Estate Matters
www.realtyguide.com • Saturday, May 8, 2010 • Reporter-Herald
ILYCE GLINK TRIBUNE MEDIA SERVICES
Q
uestion: Let’s say a parent is still alive but has dementia, and the parent’s children want to sell the parent’s home. One child has power of attorney. Does the parent still have a say, or can the children just agree and sell the home? Answer: The child who has power of attorney for financial matters is supposed to do what is in the best interests of the parent, not the children. If the child with power of attorney is later sued and is found to have acted not in the best interests of the parent, there could be trouble. There are times that a parent may no longer know what is in his or her best interests. If all of the children agree on what needs to be done, and the child with the power of attorney also agrees, as long as the actions are taken in the best interest of the parent, the parent under I See GLINK/Page E7
Inside this week’s Home & Real Estate Realtor of the Week Kurt Albers, Broker Associate with Century 21 Humpal, Inc.
Will Homebuyers Checkout? Realtors, consumers remain optimistic as government tax credit ends
first-time home buyers taking advantage of the tax credit. Prudential’s survey, which polled 1,000 Americans ages 25-64 with at least $35,000 household JADE CODY fulfilled its duty, and he SPECIAL SECTIONS EDITOR income, was conducted expected home sales to during April 15-20. The remain on an upward study also found: trend. ccording to con• More than 90 percent “I think it (the tax sumers and area of consumers believe that Realtors, the effect credit) got us through the homebuyer tax credthe time period that we of the federal tax credit its have helped both firstprogram concluding will needed it to,” he said. “I time homebuyers and the feel that we’ve kind of be minimal. Consumers U.S. housing market recently surveyed by Pru- bottomed out,” he said overall. about the state of Northdential Real Estate and • Among consumers Relocation Services, Inc., ern Colorado’s real estate actually shopping for said the expiration of the industry. “Our sales have homes, 65 percent bebeen up quite a bit.” tax credit is unlikely to lieve that the end of the put off Americans lookAlbers said there was a tax credits will have little ing to purchase homes. big flood of home sales or no effect on their inThe study also noted that toward the end of the tax terest in purchasing a consumers are confident credit availability, which home. that home prices will helped to reduce the • Forty-six percent of continue to rise. area’s abundant housing consumers expect real esKurt Albers, Broker As- inventory, especially tate prices in their area sociate with Century 21 among lower priced to increase over the next Humpal, Inc., said he year, while 12 percent exhomes — likely influthought the tax credit pect prices to decline. enced by the number of
A
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H&RE Regional Real Estate Report REGIONAL SNAPSHOT FOR LOVELAND/BERTHOUD RESIDENTIAL Jan, 2010
Feb, 2010
March, 2010
Active Listings Previous Year Active Listings
941 970
1042 1010
1099 1099
Number of Sold Listings
57
80
126
$195,000 $236,000
$192,500 $195,000
$234,500 $220,000
Median Sales Price Previous Year Median
Average Days on the Market (ADOM) Previous Year ADOM
133 109
125 127
123 123
Year to Date Listings Sold Previous Year YTD Listings Sold
57 56
137 143
263 231
$13,173,437 $14,957,944
$19,241,626 $21,741,273
$34,334,746 $22,712,094
Monthly Volume Previous Year Monthly Volume
Page E2 REGIONAL SNAPSHOT FOR LOVELAND/BERTHOUD ATTACHED DWELLING
Research Title Insurance Titles protect buyers and sellers
Page E6
Director y Page E6
Jan, 2010
Feb, 2010
March, 2010
115 84
133 96
125 115
8
12
16
$129,500 $65,000
$146,900 $140,000
$150,000 $125,000
Average Days on the Market (ADOM) Previous Year ADOM
91 91
107 97
108 102
Year to Date Listings Sold Previous Year YTD Listings Sold
8 2
20 12
36 20
$1,103,400 $233,000
$1,868,700 $1,455,050
Active Listings Previous Year Active Listings Number of Sold Listings Median Sales Price Previous Year Median
Monthly Volume Previous Year Monthly Volume
* Updated statistics will be available after the 15th of each month.
$2,475,100 $1,130,656
Over the next five years, 79 percent expect real estate prices to increase, with 20 percent expecting that prices will increase substantially. Sarah Warnock, Broker Associate with Prudential Rocky Mountain, Realtors, said the end of the tax credit will allow a genuine healing of the market without the assistance of a government program. She said the larger issue in keeping the market flowing might be continued low interest rates. “I think the interest rates are really keeping things going right now,” Warnock said. She was cautiously optimistic when asked whether she expected rates to stay low. “Lenders have said they may go up a little bit, but it’s expected to be gradual,” she said. Rates for a 30-year mortgage dropped on Friday to 5.03 percent, down from 5.14 percent at this time last week. In a press release, James Mallozzi, chairman and chief executive officer of Prudential Real Estate and Relocation Services, said “the survey underscores the key role the federal home buyer tax credits played in stimulating residential real estate market activity and the U.S. economy.” “It also shows that most consumers believe the market has hit bottom and are more optimistic about the future.” Albers said job creation, an increase in new home construction and gains in the mid-priced housing market were paramount for keeping
Sell Your Home with NOCOHOUSES NOC OHOUSES
the ball rolling with rising home sales. Survey respondents agreed, citing rising interest rates and unemployment as the most important factors affecting their decision to purchase a home. Among those who have recently purchased a home, 61 percent identified low mortgage interest rates as “very important” to their decisions, more important than either the tax credit or cheaper home prices. “The tax credits clearly helped stimulate the market when consumer confidence was low and housing inventory was high,” said Earl Lee, Prudential president, in the press release. “While the tax credit expiration is a concern for many, the bigger issues now are the availability and cost of financing as well as if they will have a job. Warnock said employment is critical to the real estate industry, especially with stiffened loan requirements. As long as employment strengthens, however, she expected real estate sales to continue rising. “When one’s healthy the other is healthy,” she said. They are directly related. Lee reiterated, “While the market is picking up in terms of sales and confidence, and the majority still believe that owning a home is a good investment, the outlook for the market remains highly dependent upon the direction of the economy overall.” For more detailed information, visit www.news .prudential.com.
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Power of attorney must be in best interest of parent
E2
Saturday Reporter-Herald May 8, 2010
H&RE Realtor of the Week
H&RE Property of the Week
Meet
Kurt Albers BROKER ASSOCIATE, CENTURY 21 HUMPAL, INC. Location: 319 East 27th St., Loveland Contact: 970-663-2400, Ext. 312. To contact Albers directly: 970-231-1224, email kurt.albers@ century21.com or visit allcoloradohomes.com. Designations, Affiliations & Accolades: Certified Residential Specialist, At Home with Diversity (international), Master of Real Estate, Transnational Relocation Certification, Loveland/Berthoud Association of Realtors — past president, Colorado AsKurt Albers sociation of Realtors — vice president elect north east district, National Association of Realtors, International Consortium of Real Estate Associations, CAR Housing Opportunity Foundation, Legislative Policy Committee, Political Survival Committee.
F
rom Kurt Albers: Seeing the happiness and relief on my clients faces is the greatest reward. Getting paid is just the trophy. Real estate is a passion; a passion to serve my customers and clients and a passion to serve the real estate associations. Equally important as my passion is to be ethical, honest and trustworthy. Our clients count on us to keep them informed and updated on the process of their transactions with us. They also count on us to help educate them on the process of a real estate purchase or sale. This means that as a Realtor, I must also be well educated and updated on the real estate market and trends. I truly believe that I must help support our community and charities to show our appreciation and give to help them be successful. I plan to continue to serve my clients, community and association with the best of my ability. I also plan to have some fun with my wife, Ursula, as we venture through life. She is my partner in our corporation named Kursula, Inc. Team Kursula has been one of the top teams in both Colorado and the Rocky Mountain region for the last several years. We each have our own specialties in our business which makes for a great partnership. We both love to travel. We also enjoy giving to several charities and participate in many community functions. To all we wish you a wonderful life.
This Week’s Rates*
2106 Frances Drive, Loveland Price: $329,000 Built in: 1966 Bedrooms: Five Bathrooms: Three Finished square feet: 2,800
T
his custom home was built in 1966 on a .53-acre private lot. It features five bedrooms and three bathrooms, along with lake rights on a private lake — Ryan's Gulch Reservoir. The home features breathtaking panoramic views along with optimal location in Loveland. The home was built by Bill Deines — a quality local builder. The custom two-story home is on a large, private lot. House has lake rights with annual fee $500. The lake features great fishing and water skiing. With large rooms throughout, the home has an array of unique features including a breezeway between the house and the garage. The master bedroom and fifth bedroom could be easy converted to large master suite. To visit the home, take Taft south of 14th St. and turn west to Frances Dr. Contact: Bogdan K. Kaleta, GRI, RE/MAX Alliance Direct: 970-215-1067 Office: 970-482-1781 E-mail: bogdan@rmfa.com Website: BogdanReal Estate.com
Last Today Week Trend 30-Year Fixed:
5.03%
5.14%
15-Year Fixed:
4.29%
4.38%
5/1 ARM:
3.67%
3.77%
* Rates provided by Bankrate.com. All rates are subject to change.
Home & Realty Guide is produced every Saturday by the Loveland Daily Reporter-Herald. DISPLAY ADVERTISING 669-5050 CLASSIFIED ADVERTISING 635-3650
UP TO $199,999 CLOSE TO EVERYTHING-$155,000
EDITOR, Jade Cody jcody@reporter-herald.com 635-3656 REPORTER, Rhema Muncy rmuncy@reporter-herald.com 635-3684
FEATURED PROPERTIES - $200,000 - $299,999 OPEN HOUSE SATURDAY 1PM-4PM
SECLUDED FARM HOUSE-$284,700
OPEN HOUSE SAT. 1-3
$300,000 - $399,999 PRICE REDUCTION ON FORMER MODEL HOME
836 Welch Avenue - Berthoud
530 Arrowhead Drive, Loveland
750 E. Hwy 56 - Berthoud
3314 Banyan
4360 Fruita Drive
Well maintained 1757 sf, 2BD, 2BA, 2 story patio home! 9’ ceilings, gas fireplace, covered front porch w/ mtn. views, breakfast bar, full pantry, separate dining area, and an unfinished bsmt.
Pride of ownership shows in this immaculately maintained home. Bright & open w/vaulted ceilings. The garden level bsmt has plenty of room for entertaining and storage. $259,900 #622646
3BD, 2BA, 1648 sf old farm house built in 1890 on 2.27 acres and surrounded by trees! No covenants, updated kitchen, and updated bathrooms. Master bedroom has a sitting room & walk-in closet!
Immaculate 3 bdrm/2 bath/ 2 ca garage ranch with over 1800 sq. ft. all on one floor. Located near sculpture park. 207,500 MLS #625215. 3314 Banyan, Loveland, CO 80538
Beautiful 4bed/3bath brick ranch backs to open space & trail. Builder upgrades include hickory floors, granite, custom tile, full finished bsmt, 3 sided fireplace, landscaping & more! $369,900
Kathy Burcham 303-775-7429 kathy@berthoudrealestate.com www.berthoudrealestate.com
Dennis Thiers Century 21 Humpal, Inc. 970-988-8272 dennis.thiers@century21.com
Kathleen Gruman 970-290-3393 kathleen@berthoudrealestate.com www.berthoudrealestate.com
Sirmula Lansky Coldwell Banker (970) 691-0468 sirmulacb@aol.com www.MultiMillionDollarHomes.com/loveland/
Michelle Williams Prudential Rocky Mtn. Realtors 970-397-9604 michelletwilliams@yahoo.com www.circlepix.com/7AA4ME
$500,000 +
LAND FOR SALE
OPEN HOUSE SAT. 1-4 TRADES CONSIDERED
OPEN HOUSE SATURDAY 12PM-3PM
NEW CUSTOM RANCH-288 RESERVOIR
Warberg Farm - Sophia Court
Walkout bsmt., open floor plan, panoramic views. In select group of lots. Pittington Ranch. Many upgrades. Must see. W. on Hwy 34, S. on CR 29 to 18E. 2.3 miles to Flat Iron Rd., right.
OPEN 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.
19-313159
John Mathey Premier Lifestyle (970) 613-4400 (970) 481-5512
Kurt Albers Century 21 Humpal, Inc. 970-231-1224 kurtd57@msn.com www.allcoloradohomes.com
homeandrealtyguide.com Your online and print resource for residential, commercial and land for sale
Saturday Reporter-Herald May 8, 2010 E3
H&RE Real Estate Briefs BALDWIN NAMED TO INTERNATIONAL DIAMOND SOCIETY Coldwell Banker Residential Brokerage announced that Mary Baldwin, a top-producing broker associate in the company’s Fort Collins office, has earned membership in the company’s International Diamond Society. Baldwin is a member of Who’s Who in Real Estate and has garnered numerous sales production awards throughout her distinguished career. She holds the Graduate Realtor Institute, Certified Residential Specialist and e-PRO certifications recognizing the successful completion of stringent continuing education courses in real estate. Baldwin is a graduate of the University of Arizona and is a regular volunteer for the Larimer Humane Society, the Harmony Safe House for Kids and Partners Mentoring Youths. The Coldwell Banker Residential Brokerage office in Fort Collins is located at 702 W. Drake Road, Building A, and can be reached at 970.223.6500. Baldwin can be reached directly at 970.581.4034 or via e-mail at baldwin@frii.com.
There will also be a lakeside luncheon for $10. There are only 150 seats available, so make reservations by e-mailing joanna@lovelandyouth gardeners.org. Tickets will be available June 1-25 at these locations: Fort Collins Nursery, Rowe’s Flowers and Gifts, Bath Garden Center, Loveland Garden Center & Nursery, Gateway Garden Center. Fossil Creek Nursery, Earle’s Flowers Gulley Greenhouse and Rabbit Shadow Farm.
COLDWELL BANKER OFFERS A BUYER BONUS SALES EVENT Coldwell Banker Residential Brokerage announced the launch of the Buyer Bonus Sales Event, a national promotion intended to build on the momentum of the expired federal homebuyer tax credit. From now until July 31, 2010, home sellers participating in the Buyer Bonus Sales Event will offer a 3 percent credit of the accepted offer price of their home (up to $8,000) to buyers who sign a contract before July 31 2010. There is no deadline for a closing date. In a recent survey of Coldwell Banker Real Estate professionals, nearly half indicated that they had worked with homebuyLOVELAND YOUTH GARDENERS ers who would have missed out PREPARE LOVELAND FLOWER on the homebuyer tax credit in GARDEN SHOW November of last year, had it A select group of Loveland not been extended. In addition, home-owners will show off their while 34 percent cite the curbeautiful flower and vegetable rent tax credit extension as the gardens in this annual fundrais- primary reason their customers er for Loveland Youth Gardenare currently for searching for a ers on June 26. Admission to home, 28 percent said that they the tour is $15 and children feel the limitations of this credages 10 and under are free. it will prohibit some buyers This year’s tour will feature from taking advantage of the gardens on Lake Loveland, a credit. sale of art for the Loveland NEIGHBOR TO NEIGHBOR Youth Gardeners by local and SEEKS PREFERRED PARTNERS regional artists and a silent auction of birdbaths decorated Neighbor to Neighbor, a by area artists. Boat rides Larimer County non-profit that around Lake Loveland will be helps families achieve homeavailable for a suggested dona- ownership, is seeking Realtor, lender, and insurance agent tion of $5.
Preferred Partners for the 20102011 partnership year, starting in July, 2010. “The Preferred Partner program enhances Neighbor to Neighbor’s Home Ownership Program, which offers free services to Larimer County residents including Home Buyer Education classes, Pre-Purchase Counseling and Foreclosure Prevention Counseling,” said Lindsay Nichols, program director. “Clients have often asked our counselors for recommendations and referrals. Now, when clients come in for oneon-one counseling, we can offer a list of professionals whose business practices and values are aligned with our mission to create successful home owners.” Neighbor to Neighbor adheres to the National Industry Standards for Homeownership Education and Counseling. These standards meet and exceed those set forth by NeighborWorks America and the US Department of Housing and Urban Development. The Preferred Partners agree to adhere to written standards and practices. N2N partners with realtors, lenders, and insurance agents in a partnership fee model to create a full-cycle of home ownership counseling. This year’s Preferred Partners will be selected through a competitive process. To apply for partnership, interested realtors, lenders and insurance agents from Fort Collins and Loveland must attend one of two orientations: Wednesday, May 12 from 4 p.m. – 5 p.m. or Monday, May 17 from 4 p.m. – 5 p.m. Both orientations will be held at Home State Bank, 303 E. Mountain Ave, Fort Collins. “Last year was the first year of the N2N Preferred Partner program, and we learned a lot about what works well, and about what doesn’t work as well.” Nichols said.
Create a cozy study Define nook and cranny spaces in the home MARY CAROL GARRITY SCRIPPS HOWARD NEWS SERVICE
W
ould you love to have a study in your home that's both welcoming and hardworking? Perhaps your home isn't outfitted with a study. No problem: You can easily carve one out from a little-used room. Spare bedrooms, formal living rooms and dining rooms and extra spaces in the basement make great studies. Maybe your home already has a study that you never use. Chances are that's because the space isn't designed in a way that suits your purposes, or its decor pushes you away instead of welcomes you in. No matter where it's located, the key to making your study successful is to first define how you want to use it. Will this be a home office? A music room? A place to read? Will you entertain in this room, or is a more private space for your family?
these tips to give the illusion of more space. Select smaller-scale furnishings, like a settee or love seat instead of a full sofa. Pick furniture with exposed legs so they don't create visual barriers. Opt for pieces that can serve two purposes, like an ottoman that serves as a coffee table and provides extra seating. SELECT A PALETTE The color palette of your study plays a big role in its success. You want this space to be welcoming and comfortable, and you want it to reflect your family's personality. We went with warm colors in our study because this is our hangout room in the winter. I covered the walls in richly textured grass-cloth wallpaper and filled it with furnishings upholstered in browns and greens. If you want the mood of your study to be tranquil and serene, fill it with whisper-soft colors like white, cream or gray. Or you may want the room to be filled with invigorating color. Right now, lots of young families are doing their studies in apple green and persimmon. Yellow and gray is also a hot color combination this season.
BRING OUT YOUR PERSONALITY WITH ACCENTS Finish your study by adding a FURNITURE WITH CARE few carefully chosen accents that Once you determine how you tell volumes about you. Showcase want to use your study, be very treasures you've brought back thoughtful in what furniture you from vacation, like an African pick to go in it. Our study is the mask or conch shell. Display a few spot where Dan and I have our pieces of your favorite collections. morning coffee, go through the I have a thing for old wooden boxmail and read. So we knew we es, so I stack several on the side needed comfortable seating, a few table in my study. And, by all side tables to hold reading lamps means, include lots of family phoand a bookcase to store a few of tos showing you and your loved Dan's books. I chose a chocolate ones living and loving life. leather sofa, then covered the seat Mary Carol Garrity is the procushions with fabric slipcovers be- prietor of three successful homecause I love the look of leather furnishings stores and is the aubut don't like how it feels to sit thor of several best-selling books on. on home decorating. Write her at If your study is rather small, try nellhills@lvnworth.com.
Open Houses This Weekend - www.thegroupinc.com SATURDAY 1:00 - 3:00
SATURDAY 1:00 - 3:00
SATURDAY 1:00 - 3:00
SATURDAY 1:00 - 3:00
1441 Glenda Court, Loveland - Totally updated and move in ready! 4 bedroom home plus addi onal space for office or exercise room. New wood flooring, carpets, kitchen appliances, doors, hardware, windows, remodeled bathrooms with decora ve le, new roof as of 4/16/2010. Large deck overlooks mature private backyard. Lake rights are available. HOA fee includes neighborhood pool.
4310 Sunridge Drive, Loveland - This Is A Must See! Well kept ranch home w/ walkout basement, vaulted ceilings, A/C, fireplace, all new stainless appliances & a 3/4 bathroom finished in the basement. Garage & basement cabinets & shelving all stay. Beau ful yard complete w/ sprinkler system, deck & pa o. Great view of Horseshoe Lake.
4104 Redbird Place, Loveland - Enjoy this 3 bedroom, 1-3/4 bath, 1585 square foot home on over 1/2 acre property near Boedecker Lake. New carpet & paint . All season sunroom & 2 sheds with power. Plenty of room to store your RV, Big Rig or build a workshop.
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.
$215,000
$217,000
$245,000
$245,000
MLS#626878
MLS#627111
MLS#610130
MLS#621663
Call Diana Luthi 481-2692
Call Julie Hart 481-1443
Call Bob Skillman 631-2257
Call Jo Carney 310-1836
SATURDAY 1:30 - 3:30
SUNDAY 1:00 - 3:00
SATURDAY 11:00 - 1:00
SATURDAY 1:00 - 3:00
TUESDAY - SUNDAY 1:00 - 4:00
146 Alabaster Way, Johnstown - Ranch on corner lot. New roof, heated 3car garage & shed. Wood floors in living, dining & kitchen. Open plan with 2 sided fireplace. New light fixtures blinds. Kitchen with loads of cabinets, breakfast bar & skylight. Awning over pa o plus private pa o off the main level master bed. Finished bsmt with rec room including wet bar plus family/theater room & 2nd master suite with full bath.
4951 Clearwater Drive, Loveland - Lovely 3 bdrm pa o home with access to Boyd Lake! Wonderful open floor plan, private pa o and deck, and bright daylight lower level. The original owners have cared lovingly for their home—you’ll appreciate that it’s neat as a pin, but with a contemporary flair.
4495 Ridgway Drive, Loveland - 5 bed, 3 bath, ranch style home. Kitchen features: wood floors, pantry, granite countertops, black appliances, island & breakfast bar. Covered pa o, huge deck, central air, Great room w/fireplace, main level master & a master suite in the bsmt w/a 5 piece luxury bath. Bsmt w/great room & a full mini kitchen, Garage is insulated, painted & textured.
5258 Rangeland Avenue, Loveland - Beau ful ranch style 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!
4635 Tarragon Drive, Loveland - Tired of yardwork? Visit our furnished model hm at The Pa os at 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!
$250,000
$298,000
$335,000
$344,900
MLS#623636
MLS#627738
MLS#626597
MLS#607235
Call Don A. Riedel 679-8265
Call Sally Lee 227-7742
Call Amy Lane 567-0816 LAKEFRONT ON LAKE LOVELAND
Call Jesse Laner 672-7212
Priced From $324,000 MLS#607818
Call Val Schlageter 217-3464
SATURDAY 1:00 - 3:00
SATURDAY & SUNDAY 12:00 - 5:00
SATURDAY 1:00 - 3:00
SATURDAY 1:00 - 3:00
SATURDAY & SUNDAY 1:00 - 3:00
5415 Lighthouse Point Court, Loveland - Me culously cared for pa o home in Mariana Cove. Vaulted ceilings in the great room. 3 sided fireplace & 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 & tons of storage space. The property is south facing! Addi onal master associa on fee of $279/year.
939 Snowy Plain Road, Fort Collins - This 2-story offers approx 2496 finished sq + a full unfinished bsmt. 3 beds + a lo , 3 car tandem garage, hdwd flrs thru most of the main level, gas FP, granite counters, oil rubbed bronze door hardware, plumbing fixtures & ligh ng pckg. Upgraded carpet & black kit appl, laundry sink, W/D incl. Lg front porch, front yard landscaping & rear yard fencing inlc. Views of Pelican Marsh.
2718 Logan Drive, Loveland - Fabulous lakefront home w/private beach & dock on Lake Loveland. Bright & open 4 bd home w/ walk-out bsmt & tandem 3 car garage w/workshop. Lg custom kit w/cherry cabs & wood floors, beau ful sunroom w/skylights that overlooks lush backyard & lake. Livingrm w/gas fireplace, DR, 2 bd & baths. Bsmt has lg FR w/wood burning fireplace, 2 add’l bd & bath. New roof & extra outside storage.
2253 Jones Place, Berthoud - This 3bdrm + office, 4bath home is sure to meet your needs.You will love the GREATROOM that draws you outdoors to the pa o& those mtn views! Your master suite w/firepl,si ng rm& deck will be hard to leave. Each of the bedrms in this home has a private bath. Great loca on near Loveland, Longmont & Boulder. Don’t miss your opportunity to buy the best value in this fine neighborhood.
915 Wheatridge Circle, Loveland - Custom ranch with walk-out basement situated on 2+ acres. Huge deck w/an outdoor fireplace. Quality finish in the walnut floors, le, slab granite, alder cabinets, solid alder doors and alder trim. Basement has wet bar w/refrigerator and ice maker. 4 fireplaces of which 2 are outdoor. Over 4300 sf finished with 5 bedrooms and 5 baths.
$350,000
$350,000
$599,000
$600,000
$799,000
MLS#623164
MLS#626295
MLS#616531
MLS#627673
MLS#615113
Call Denise Kloster 402-9100 PRICE REDUCED!
Call Ma Thompson 443-9910
Call Carol Voorhis 481-9487
Call Kathy Boeding 231-9073
Call John Peden 227-5677
$899,000 MLS#586010
Call Nancy Walkowicz 461-7136
See The Northern Colorado Real Estate Source in today’s newspaper Or view it online at www.thegroupinc.com
19-312540
SATURDAY 1:00 - 3:00 530 Deer Meadow Drive, Loveland - Quality custom from Aus n Signature Homes. Enjoy the final opportunity for a lifestyle on Mariana Bu e Golf Course! Golf course lifestyle with no membership fees. Peaceful, quiet se ng with tranquil views that overlook golf course, water and the front range. Robert Walkowicz 377-4945.
The Source
E4
Saturday Reporter-Herald May 8, 2010
H&RE Real Estate Transactions
Real Estate Transactions are supplied by Prospects Unlimited Inc., 1151 Eagle Drive No. 467, Loveland, CO 80537, 6671537.
Loveland
• Benjamin Pierce from 1500 Falls Court LLC, 1500 Falls Ct, Loveland, $162,500, home • Leah & Clifford Johnson from Aragon Patricia J, 703 Grant Ave, Loveland, $160,000, home • Desiree Greeno from Bahlmann Lavern E Jr, 4857 Roosevelt Ave, Loveland, $127,500, home • Quentin & Carol Gauerke from Barber Lloyd & Suzette, 605 W 29th St, Loveland, $175,000, home
• Mary Lowry from Brantley Donovan & Morgan, 140 Carina Cir Unit 104, Loveland, $137,000, condo • Twin Lllp from Bts Loveland Aa LLC, 250 5th St, Loveland, $1,384,300, home • Epicoutfit LLC from Citadel Colorado Warehouse Inv, 1268 S Grant Ave, Loveland, $150,000, home • Carlee Seeba from Federal Home Ln Mortgage Corp, 1692 Rhyolite St, Loveland, $165,000, home • Kurt & Kathleen Taylor from Fritz Charles G & Velda Mae, 367 Terri Dr, Loveland, $116,000, home • Harry & Elizabet Walton from Gerard
IN BEAUTIFUL 7 LAKES
3260 Westerdoll Ave
Call for appointment 970-669-0598 or Cell 970-219-9047
23-313087
Custom 2 story with beautiful open floor plan, 4 bed, 3-1/2 bath with master on main level. finished basement, fenced and landscaped. $365,900.
E Arlene C Schoenherr T, 2702 Mckenzie Dr, Loveland, $348,000, home • Citadel Inv from Jart Co LLC, 1276 Grant Ave, Loveland, $170,000, home • Johnson from Johnson Keith W & Michael C, 1427 26th St Sw, Loveland, $259,500, home • John & Vicki New from Langford Frances D, 1531 Bentgrass Dr, Loveland, $200,000, home • Joe & Sheila Osebold from Mitchell Geraldine J, 216 Reagan Dr, Loveland, $196,200, home • Sherri Gattis from Osebold Joe E & Sheila T, 3330 Williamsburg St, Loveland, $222,500, home • Richard & Phyllis Johnson from US Bank, 623 Peach Tree Pl, Loveland, $144,900, home • Matthew & Leesa Hailey from Velasquez A L & Mary Louise, 3393 Crowley Cir, Loveland, $335,000, home • Faith Burnham from Wda Holdings LLC, 2006 Agate Ct, Loveland, $180,000,
STARTING FROM THE HIGH 160’S copper
10
home • Robert & Patricia Bos from Fannie Mae, 514 Sherri Dr, Loveland, $155,000, home • Summit LLC from Fnl Inc, 5802 Wright Dr, Loveland, $925,000, home • Jeffrey Moe from Golden David J & Connie J, 10246 Scrub Jay Rd, Loveland, $235,000, home • Pico LLC from Johnson Sons, 2331 S County Road 7, Loveland, $550,000, home • Joseph Lowe from Macdonald Alistair & Binmatti, 643 Vera Ct, Loveland, $124,000, home • Justin & Elaina Boling from Oak Valley Homes LLC, 235 Carina Cir Unit 106, Loveland, $150,000, condo • Edward & Nancy Brigden from Spoelma Sherrell & Daniel, 5130 Coral Burst Cir, Loveland, $312,000, home • Steve Bogart from Sterud Penelope, 1127 Winona Dr, Loveland, $150,000, home • Aspen Inc from Kendall Brook Llc, 4355 Ridgway Dr, Loveland, $150,500, home
• Jean & Everett Fuller from Luverne W Fletcher Trust, 793 Milner Ct, Loveland, $291,500, home • Michael & Katrina Lacy from Mcdonald Michael & Idali, 1515 Tiger Ave, Loveland, $212,000, home • Dale & Jennifer Daniel from Thrasher Regina, 1598 Cheetah Pl, Loveland, $241,500, home • Miriam Joseph from Wynkoop Tracy & Marian Steele, 2096 Wimbleton Dr, Loveland, $212,000, home • John Hernandez from Vasquez Enrico Mario & Denise Millis, 881 19th St Sw, Loveland, $155,000, home • Marcus & Lucas Caudill from Wells Fargo Bank, 1006 E 2nd St, Loveland, $118,600, home • Jennifer Yarber from Oak Valley Homes LLC, 235 Carina Cir Unit 104, Loveland, $154,000, condo
Berthoud • Esther Wilcox from Berry Verne P & Beverly F, 200 E Nebraska Ave, Berthoud, $230,000, home
• Jerrie & Mary Munn from Gensicki John W & Carol A, 648 N 4th St, Berthoud, $149,800, home
Estes Park • Firebird LLC from Jc Enterprises LLC, 191 W Elkhorn Ave, Estes Park, $315,000, home • Barbara & Martin Zielinski from Worthen David C, 123 Meadowview Dr, Estes Park, $420,000, home • Leslie Kelley from Ernst Ruth Bleuler Revocable T, 2561 Carriage Dr, Estes Park, $310,000, home • Suzanne Maki from Harris Charles F, 514 Grand Estates Dr Unit A4, Estes Park, $183,000, condo • Lynda Thompson from Newton Henrick, 1211 Glacier View Ln, Estes Park, $285,000, home • James & Lynn Wainwright from Parker Richard W & Sharon K, 1880 Sketch Box Ln Unit 9, Estes Park, $322,000, condo • Donald & Desiree Patterson from Ringgenberg Daniel R & Eleanor F, 216 2nd St, Estes Park,
Megan Wachtman (970) 217-7977
Julie Stinson (970) 679-8590 22-312962
PatioOpenHomes 1-4 Tues - Sun Priced from the $300’s to the $500’s 3 Extraordinary Locations Fort Collins
• Carey Booker from Doyle Robert R & Rhonda L, 1537 S Frances Ave, Milliken, $141,500, home
Windsor
• Rose Fore from Bank Choice, 4811 • Matthew & Freehold Dr, WindLeigh Hannah from sor, $339,500, home Dolton Robert • Andrew & Kyra Daniel & Mary, 3614 Knapp from Brink Dilley Cir, JohnScott A & Kelley K, stown, $197,000, 2109 Outer Banks home Ct, Windsor, • Steven & Paula $328,500, home Snodgress from Granite Rentals Inc, • Greg Nichols 3016 Woodbine Ln, from Morequity Inc, Johnstown, 1001 Glacier Ct, $185,500, home Windsor, $167,000, • Joseph & Patrihome
Johnstown
care about the high cost of housing and the lack of affordable, decent homes available to working families espite today’s tight economy, in many of our communities,” said many areas of the country NAR President Vicki Cox Golder. have not seen a significant “Realtor associations are working drop in their high cost of living. To help meet this critical need for more hard to address affordability problems in their states, and through the affordable housing for low- to modIra Gribin Workforce Housing erate-income working families, the National Association of Realtors has Grants program, they are able to provide even more affordable housawarded more than $3.4 million ing opportunities to working famithrough the Ira Gribin Workforce lies. That’s good for the entire comHousing Grants program. munity.” Teachers, firefighters, police offiGrants can be used to support a cers, and restaurant and retail workers provide vital community services broad range of workforce housing solutions, including down payment – however, they often cannot afford and financial assistance programs, to live in the communities where they work. This segment of the pop- home buyer or Realtor education, public awareness and advocacy camulation can be shut out of the local paigns, and housing construction housing market in high-cost comand rehabilitation. The one-time munities, which can lead to longer grants are awarded on a sliding scale commutes, sprawl and traffic conbased on Realtor association memgestion. bership. To date, NAR has awarded Ira Gribin Workforce Housing Grants are awarded to state and ter- grants to 31 Realtor associations, totaling $3,443,500. ritorial Realtor associations to help The following state Realtor associfund programs that promote safe, decent housing for people with low ations or their foundations have and moderate incomes. Established been awarded an Ira Gribin Workin 2009, the program is named in force Housing Grant since the prohonor of Ira Gribin, a former NAR gram’s inception: Arizona, Califorpresident who was a tireless advonia, Colorado, Delaware, Florida, cate for fair and affordable housing Hawaii, Idaho, Illinois, Kansas, for diverse populations. Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, “Realtors build communities and
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Montana, Nevada, New Hampshire, New Jersey, New York, North Carolina, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia and Wisconsin. A new NAR report, “Tackling Workforce Housing State by State,” describes the status and progress of the 2009 Ira Gribin Workforce Housing Grant recipients. The report provides detailed program summaries and contact information for each of the grantees and is available at www.realtor.org/iragribingrant. “The ‘Tackling Workforce Housing State by State’ report is a great resource for Realtors or community organizations who are looking for a guide or need inspiration to handle workforce housing issues in their own community,” said Cox Golder. The two-year grant program concludes at the end of 2010; applications are due no later than October 31, 2010. For more information about Ira Gribin Workforce Housing Grants, visit www.realtor.org/ IraGribinGrant. The National Association of Realtors, “The Voice for Real Estate,” is America’s largest trade association, representing 1.1 million members involved in all aspects of the residential and commercial real estate industries.
How to find the right real estate agent
Timnath
MCNS
Windsor Highland Meadows Golf Course
Crossroads Blvd
Thompson Parkway
• Centerra
22-312960
Milliken
Harmony Club
Harmony Road
Loveland
cia Kiovsky from Mcmakin James & Laurie, 2241 Mandarin Ct, Johnstown, $324,000, home • Gino Martinez from Oakwood Homes LLC, 3855 Kenwood Cir, Johnstown, $191,500, home • Holly & Sam Chesher from Bk New York Mellon, 635 Torrey Pines Ln, Johnstown, $157,000, home • Gayle & Patricia Buman from Ryland Group Inc, 190 Bittern Dr, Johnstown, $242,000, home
H&RE Real Estate News NAR grants help make homeownership more affordable for working families NATIONAL ASSOCIATION OF REALTORS
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.
$239,000, home • Michael & Glenda Collins from Dwayne P Herman Trust, 1890 Devils Gulch Rd, Estes Park, $1,225,000, home • Debreon & Debreon Hendrickson from Hund Michael J & Zenitha A, 821 Fawn Ln, Estes Park, $287,000, home • Connie Wynn from Koste Leone L, 1010 S Saint Vrain Ave Unit F3, Estes Park, $155,000, condo • Christopher Reveley from Quint Urban & Jeanine A, 665 Freeland Ct, Estes Park, $569,900, home • Robert & Ellen Meinking from Sreenivas Vemulapalli, 514 Grand Estates Dr Unit A1, Estes Park, $195,000, condo
Map not to scale.
Thompson Crossing
Val Schlageter 217-3464 The Group, Inc. Real Estate 223-0700
www.ThePatios.com
choose their agent based on merit and not due to the potentially glitzy housuying a home is often a difficult thing es he or she may have listed previously. to do. One way to • Find someone with a make the process a lot less track record. Real estate anxiety-ridden is to work can be an exciting and fiwith a real estate agent you can trust. Those in the nancially rewarding industry in which to work. As a market for an agent to result, lots of people want help navigate the home buying process should con- to be real estate agents, even though few succeed sider the following tips. and last a long time. When • Find an agent first, interviewing real estate then a property. It is imagents, inquire about their portant to find a real eshistory in the business. A tate agent before looking more experienced agent through home listings. will make things far less This allows the buyer to
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stressful and easier, and a long career indicates they are good at what they do. • Don’t place too much emphasis on agency size. Real estate agencies come in all shapes and sizes. When it comes to ability, the size of the agency should not factor in. A smaller independent agency can be just as qualified and reliable as one of the major franchise agencies. Buyers who find someone they trust should go with that person, regardless of how big or small their agency is.
• Get a referral. Friends and family members who have been through the buying process before might be great resources. Buyers looking in “Town X” who have friends or family already living there should consult those friends or family and ask for any agent referrals. Those relocating because of work should ask their company to refer an agent. Chances are companies have relocated employees in the past and might have a strong relationship with an agency in town.
Saturday Reporter-Herald May 8, 2010 E5
H&RE
Featured Home Plan
Arvada offers modest invitation Every inch of the home is planned for efficient space
cess to the kitchen, or separation from the noise and clutter there. From the arched opening at the back of the entry, you can head into the kitchen and vaulted family room, or proceed on through double doors into the owners’ suite. ASSOCIATED DESIGNS This kitchen is larger than it seems, if you take the huge walk-in pantry ofty yet unimposing, the Arva- into account. Standing at the da’s arched entry porch invites kitchen sink, you can interact with visitors to step inside this mid- family and friends at the raised eatsize contemporary home. Attractive ing bar, watch flames in the direct turned brick caps rim the upper edge vent gas fireplace, keep track of acof the brick wainscoting, and multitivities in the family room or gaze out paned windows add sparkle. the sliding glass doors. The built-in desk makes a conveLight washes into the entry nient phone location and comes in through both a sidelight and an handy for keeping tabs on household arched clerestory window. Double finances. The overhead shelves can doors on the left swing open into a hold a library of cook books. vaulted living room expanded by a broad window bay. Step through the Laundry appliances are nearby in a wide opening on the right side of the pass-through utility room that conentry, and you find yourself in the nects to the garage. This space has a dining room. A pocket door offers ac- long folding counter, and can serve
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as a mud room, great for wiping muddy paws or shucking off messy foot gear. Sliding glass doors in the Arvada’s owners’ suite offer direct access to the generously sized patio that spans most of the rear. Luxury features include: a large soaking tub, double vanity, spacious walk-in closet and separately enclosed toilet and shower. 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 Arvada 30-261 and include a return address when ordering. A catalog featuring more than 550 home plans is available for $15. For more information, call 1-800-634-0123, or visit www.AssociatedDesigns.com.
H& RE Divine Design
Adventure Respite HGTV photos
Above, before the transformation. Right, an adventure filled room. seating area. Because the couple rics in shades of gray, silver, LOVE the outdoors, I decided to white and cream. Flowing linen bring a taste of the outside indrapery panels with an elegant side by creating a cool feature blue and brown stripe mesh with above the mantel. We built a the blue of the walls and the deep frame and filled it with chocolaty shades of the floor and small pieces of wood cut from woven wood blinds. split logs, then highlighted the More excitement comes from rustic wood with crystal sconces. eclectic and unexpected touchAbove, we installed a crystal es. An exotic fan worthy of the chandelier in a style in keeping African Queen draws your eye up with the vintage flavor of the to the vaulted ceiling while keepwhile managing a construction stained-glass windows, a nonhouse, but in polished chrome to ing the room comfortable. And a process that has left them so ex- working fireplace and radiators chair, table and zebra-print rug hausted they couldn’t imagine add a sense of history. The high, add modern flair. I added a soft tucked into the nook on the far what to do with their blank slate vaulted ceiling gives an airy feel- gray-blue love seat, perfect for side of the bed finish the room of a bedroom. While they may ing, and a lovely wall of windows lounging. And to complete the seating area, custom cabinetry with panache. Nuala and David’s live for adventure, Nuala and frames the gorgeous view. provides storage and display big white box of a bedroom had David definitely play it safe when The secret to decorating with it comes to decor. So safe, it bor- neutrals is to use texture, depth, space while discreetly concealing no sense of adventure, so we turned it into a rustic, refined ders on blah. pattern and layers to add excite- the old radiator. CANDICE OLSON I believe every bedroom deand romantic retreat. But a neutral palette doesn’t ment, richness and elegance. HGTV have to be boring. That’s where I With some beautiful fabrics and serves delicious finishes. So in the come in, with my trusty team to shades of neutral gray for inspiInterior decorator Candice ewlyweds Nuala and David create a space that combines the ration, I chose a soft bluish-gray sleeping area, we Olson is host of HGTV’s painted the feature couple’s love of the outdoors paint for the wall color, a crisp thrive on excitement. “Divine Design.” For more wall a deep silvery coat of creamy white for the They’ve traveled the world with the easy, modern elegance ideas, information and blue and created a they’ve longed for. baseboards and cabinetry and participating in adventure races show times visit headboard in rich had dark hardwood installed on Freshly dry-walled, the room and fell in love in the wilderness. www.HGTV.com or charcoal-gray velvet After the wedding, they tackled a was the perfect size for a master the floors. www.divinedesign.tv. with silver nail trim. suite and already had a spacious The next task: Turn the noncomplete renovation of their We dressed the bed walk-in closet — a key ingredient working fireplace from an eyehouse built in 1926. They’ve Divine Design with luxurious fabbeen living with her parents for a happy relationship. Vintage sore into a focal point in the
An adventure loving couple take on too big of a challenge
N
E 37th St.
E 29th St.
8 B
1 8 BUILDERS
LOW MAINTENANCE PATIO & SEMI-CUSTOM HOMES Mon-Fri 11-4 • Sat & Sun 12-3
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SW LOVELAND @ HWY 402 & WILSON
Marketed by Glen Marketing Lisa Moore - Connie Gliott
970-663-4522
D.E. BURNS CONSTRUCTION Quality • Integrity • Experience • Reputation
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56
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US 287
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Saturday Reporter-Herald May 8, 2010
H&RE Real Estate
Research all aspects of title insurance Titles protect both sellers and buyers RHEMA MUNCY SPECIAL SECTIONS
O
the company has thoroughly researched public records and verified the identity of all parties involved. If the company misses anything, it is their responsibility to make the situation right.
tion, something will be missed.” Going over the paperwork provided by the title company to make sure there are no loopholes in the contract regarding responsibility evasion because of bad research practices could CHOOSING A TITLE COMPANY save headaches down the road. Usually the seller chooses a ti“There are situations where tle company because they pay the title insurance will cover it, for the service, Patton said. but when you are in your new However, if a buyer wants to, home, you don't want to have they can request to supply their the problem in the first place,” own title company. It is Section Patton said. 9 of RESPA (Real Estate Settlement Procedures Act) that pro- OWNERSHIP INTERESTS AND hibits a seller from forcing a TENANCIES IN COLORADO buyer to use their title company The Group Guaranteed Title either directly or indirectly as a provided information about difcondition of sale. Buyers may ferent ownership designations. sue a seller who violates this • Joint Tenancy — Each indiprovision for an amount equal vidual owner must have equal to three times all charges made right to possess, use and enjoy for the title insurance, the secthe property. All joint tenants tion said. must take the title at the same A buyer who decides to retime with the same deed or quest their own title company lease. Each owner must be vestwill probably shoulder the responsibility of paying for the ti- ed equally with the property. If a tle insurance, Rogers said. One joint tenant dies, the title will possible solution she suggested vest in the surviving owner. • Tenancy in Common — was for a buyer to offer below the asking price and then state This designation is for people that they will pay for the title in- who own a percentage of the surance process in the contract. entire property and each tenant In essence, both sides should owns an undivided interest with no right of survivorship. Unless do their research on the title company’s policies. Patton said a deed states otherwise, property held by two or more people that some title companies are farming out their research pro- remains in common. • Sole Ownership — A sole cess to other offices in the country or ever overseas compa- person owns the property and they can use it, rent it, sell it or nies. give it away. “A title is a regional thing • Life Estate — This ownerand should be done by people ship lets a person live in the who know the customs of the area,” Patton said. “When they property as long as they are go over seas, the search misses alive. When they die, the property held passes to another. A a lot of the problems. The exlife estate can deed a property aminer can only interpret the information they are given, and to someone else while reserving if they are given false informathe owner’s right to live there.
Why title insurance
T
itle insurance assures both the buyer and seller that the property under negotiation is clear of all title defects. These are examples of buying and selling situations that are covered under title insurance provided by The Group Guaranteed Title. • Documents executed under false, revoked or expired powers of attorney • Undisclosed heirs • False impersonation of the true land owner • Failure to include necessary parties to certain judicial proceedings • Defective acknowledgements dues to improper or expired notarization • Gaps in the chain of title • Mistakes and omissions resulting in improper searching • Forged deeds, mortgages, wills, releases of mortgages and other instruments • Inadequate legal descriptions • Duress in execution of wills, deeds and instruments conveying or establishing title • Issues involving delivery of conveyance instruments • Deeds, mortgages and wills by persons lacking legal capacity • Issues of rightful possession of land • Issues concerning unlawful takings by eminent domain or condemnation • Forfeitures of real property due to criminal acts • Interests arising by deeds of fictitious parties • Adverse possession and probate matters
19-312072
ne of the final steps of the homebuying process is the acquisition of title insurance. Offering more than just a certificate of ownership, this home industry has a history reaching back to the late 1800s. Titles were instituted to protect all parties from harm during the buying process. “We are the middle man and the neutral third party,” said Pennie Patton, senior vice president of United Title in Loveland. “We take the contract and do a search on the property to make sure there are no liens and that the people who say they own it actually do. We handle the money and documents and then we also handle the recording to make sure the title is transferred to the buyer.” Business development manager Teri Rogers of North American Title in Loveland tells customers that title insurance insures the past. “We ensure there are no liens on the property, and if we find them, the seller has to clean them up before selling,” Rogers said. A lien can be placed by anyone who has performed a service for a home owner and the home owner has either refused to pay or they are unable to pay, Rogers said. Liens can cover a fence contractor who was never paid, contractors who build new
properties and do not receive compensation because the homes do not sell, HOA deferment, refusal to pay child support and a host of other reasons. Liens are processed at the Clerk and County Recorder office, and sometimes homeowners say they are not aware of the liens even though they all receive a written notice that a lien has been posted against them. Business development manager of The Group Guaranteed Title Cheri Knopinski regards a title as a document that makes sure all parties understand who is currently on the title. “When we sit at the table we are conveying property that is free and clear,” Knopinski said. “We want to make sure we are doing our job to make sure the path is clear of the judgments in lien. We don’t close until the issues are closed.” After all of the hurdles are crossed, Rogers said the seller can legally hand over the deed to the buyer. Title companies facilitate this closing process, acting like a mediator between realtors and the other parties involved to ensure that all kinks are worked out. “These days the qualifications are very thick based on the past and lenders that were lying and fudging paperwork and people saying that they made more than they did to get a bigger loan,” Rogers said of the new housing market. “If there is a problem we step in and provide information on what doesn’t seem right to see if a re-negotiation is needed. A property can’t reach the closing table until a title company allows the transaction, a stamp of approval showing that
saturday PRICE
sunday
LOCATION
ADDRESS
HRS
OFFICE
PHONE
SE LOVELAND
WARBERG FARM – SOPHIA CT
12-3
CENTURY 21 HUMPAL, 663-2400 INC
$149,900*
NW LOVELAND
43RD & WILSON AVE THE COTTAGES AT ENCHANTMENT RIDGE
12-5
THE COTTAGE REALTY 532-5900
$169,900*
NW LOVELAND
4403 ELLIOT PLACE
12-5
THE COTTAGE REALTY 532-5900
$184,900*
NW LOVELAND
3399 FOSTER PLACE
12-5
THE COTTAGE REALTY 532-5900
$207,500
NW LOVELAND
3314 BANYAN
1-3
COLDWELL BANKER
691-1498
$215,000
SW LOVELAND
1441 GLENDA COURT
1-3
THE GROUP, INC.
481-2692
$217,000
NW LOVELAND
4310 SUNRIDGE DRIVE
1-3
THE GROUP, INC.
481-1443
$227,900
NW LOVELAND
4496 HAYLER AVE
12-5
THE COTTAGE REALTY 532-5900
$245,000
BERTHOUD
209 HUBBELL STREET
1-3
THE GROUP, INC.
310-1836
$245,000
SW LOVELAND
4104 REDBIRD PLACE
1-3
THE GROUP, INC.
631-2257
$250,000
JOHNSTOWNMILLIKEN
146 ALABASTER WAY
1:30-3:30
THE GROUP, INC.
679-8265
$259,900
SW LOVELAND
530 ARROWHEAD DR
1-4
CENTURY 21 HUMPAL, 663-2400 INC
$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
$335,000
NW LOVELAND
4495 RIDGWAY DRIVE
11-1
THE GROUP, INC.
567-0816
$344,900
NW LOVELAND
5258 RANGELAND AVENUE
1-3
THE GROUP, INC.
672-7212
$350,000
FORT COLLINS
939 SNOWY PLAIN ROAD
12-5
THE GROUP, INC.
443-9910
$350,000
SW LOVELAND
5415 LIGHTHOUSE POINT COURT
1-3
THE GROUP, INC.
402-9100
$599,000
NW LOVELAND
2718 LOGAN DRIVE
1-3
THE GROUP, INC.
481-9487
$600,000
BERTHOUD
2253 JONES PLACE
1-3
THE GROUP, INC.
231-9073
$799,000
SW LOVELAND
915 WHEATRIDGE CIRCLE
1-3
THE GROUP, INC.
227-5677
$895,000
SW LOVELAND
288 RESERVOIR DR
1-4
PREMIER LIFESTYLE
481-5512
$899,000
SW LOVELAND
530 DEER MEADOW DRIVE
1-3
THE GROUP, INC.
461-7136
To add a listing or speak to an advertising representative, call the Reporter-Herald at 669-5050
PRICE
LOCATION
ADDRESS
HRS
OFFICE
SE LOVELAND WARBERG FARM – SOPHIA CT
3-5
CENTURY 21 HUMPAL, 663-2400 INC
43RD & WILSON AVE THE COTTAGES AT 12-5 ENCHANTMENT RIDGE
THE COTTAGE REALTY 532-5900
$149,900* NW LOVELAND
PHONE
$169,900* NW LOVELAND 4403 ELLIOT PLACE
12-5
THE COTTAGE REALTY 532-5900
$184,900* NW LOVELAND 3399 FOSTER PLACE
12-5
THE COTTAGE REALTY 532-5900
$227,900
NW LOVELAND 4496 HAYLER AVE
12-5
THE COTTAGE REALTY 532-5900
$264,950
NW LOVELAND 4475 HAYLER AVE
12-5
THE COTTAGE REALTY 532-5900
$298,000
NE LOVELAND 4951 CLEARWATER DRIVE
1-3
THE GROUP, INC.
227-7742
$324,000
SE LOVELAND 4635 TARRAGON DRIVE
1-4
THE GROUP, INC.
217-3464
$350,000
FORT COLLINS 939 SNOWY PLAIN ROAD
12-5
THE GROUP, INC.
443-9910
$422,500
MILLIKEN
2-4
THE COTTAGE REALTY 227-3893
$799,000
SW LOVELAND 915 WHEATRIDGE CIRCLE
1-3
THE GROUP, INC.
700 MILL IRON ROAD
227-5677
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 May 8, 2010 E7
GLINK From Page 1
www.homeandrealtyguide.com
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these circumstances may not have a say in the sale of the home. One particular issue, however, comes to mind. The child with the power of attorney needs to make sure that he or she has the legal power to do certain things and take care of certain affairs of the parent. If the parent still has the capacity to make his or her own decisions, the power of attorney may not be effective. Some powers of attorney are only effective upon the occurrence of certain events. If a parent is incapacitated and in the hospital, the child has the right to take certain actions using the power of attorney. In other cases, the parent might need to be declared legally incompetent for the child to use the power of attorney. For this reason, the designated person needs to understand under what circumstance he or she can use the power of attorney. The child with the power of attorney should speak to an elder law attorney to get some guidance about what to do with the property and evaluate whether selling is in the parents’ best interests. Question: I am in a good place, but not sure what to do next. I have no debt other than my home. My wife’s 401(k) account at work is maxed out. We both have Roth IRA’s that are maxed out. I have $48,000 sitting in the bank doing nothing for me, and I am looking to buy a new home. The one I have now has about $71,000 in equity in it. The only thing I have not done is open up a 401(k). I own my own business so I could take that $48,000 and put it in my Solo 401(k) or I could add it to the down payment for the new house, or perhaps you have a better investment suggestion. What do you think I should do with the cash? Answer: There’s no contest: Put the cash into a solo 401(k) account and diversify your investments. You have already have a lot of equity that you’ll be able to use once you sell your home. If you decide to buy before you sell, you’ll have to have enough cash for at least a down payment of 5 percent (less if you’re getting an FHA loan) or 20 percent if you want to get better loan terms and avoid paying a fee for private mortgage insurance premiums. Since the market for sellers has been very slow, I’d recommend trying to sell before you buy, even if that means making an interim move to a rental unit while you’re trying to coordinate the buy and sell. The good news is that it sounds like you’re in reasonably good financial shape — no small matter given the recent state of the economy. Congratulations. Question: My mother is 85 and in reasonably good health. I have a sister who lives with her. My sister does not work. Mom wants to leave the house to her three children. My sister will never leave the house, has no money and
has an attitude. Upon Mom’s passing I can see a real sticky situation with the house. I don’t want a fight. What would you recommend? What are the tax implications of inheriting the property, because I know she could not afford to pay the inheritance taxes? Answer: Let’s start with the easy part of your question: Inheritance taxes. There probably wouldn’t be any inheritance taxes on the transfer of this property. Even if Congress doesn’t fix the estate tax, your mother would still be able to leave $1 million tax free to her heirs. If she has assets that exceed that number, you should find a good estate attorney and work on setting up some ways to transfer that money. Possible options include setting up trusts and making cash gifts now to you and your siblings, and contributing to any grandchild’s 529 college savings plan. But I’m guessing your mother doesn’t have that kind of cash. It sounds as though she probably has the house and maybe a small bank account or two. And, yes, you will have some problems. Ideally, your mother would put the house in a trust and name her heirs as the beneficiary of the trust. After she dies, the house would bypass probate and transfer directly into your name and your sisters’ name. At that point, her trust could instruct the trustee of the trust to sell the house and pay any proceeds evenly between the children. Otherwise, if all three of you end up owning the home, you’ll have to see if your sister is willing to sell the house or buy your share from you. You can also just continue to let your sister live in the house, as long as she pays the ongoing expenses. When the house ultimately sells, you’ll get your share of the value at the date of sale. However, as I have written in many columns over the years, there always seems to be problems in these arrangements. The reality of how this plays out will depend on your sister’s state of mind at the time your mom dies. If she feels like she’s losing her home, livelihood, and mom all at once, she could be quite fragile and difficult. You should have a heart-to-heart conversation with your mom now, so you understand what is going to happen and if any plans have been made. If your mother hasn’t yet written a will or put other actions into motion that would affect the title to the property after her death, now would be a good time to set things up. If your mother expresses her wishes today and you are able to discuss everything now, you can document what she wants to do and hope there are no issues later on. Be prepared to find out that your mom transferred ownership of the house years ago to your sister in exchange for taking care of her. Still, it’s better to find that out now than have an extremely unpleasant conversation after the funeral.
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Saturday Reporter-Herald May 8, 2010
H&RE Front Range Gardening
Plant pots for container vegetables you want to plant cucumbers, squash, or melons, give them the deep soil of five-gallon pots and plenty of room to ramble. Balcony gardeners can think partment living doesn’t mean vertical by giving smaller melons a you can’t have your own vegetable garden. Growing crops in trellis to climb and sling the fruit in a hammock of old pantyhose to keep pots is easy as long as you have a plan the fruit from tearing off the vine. and outdoor space; all you need is a Prevent problems with soil pests or balcony with a bit of sunlight, a pot or salt build up by using fresh, clean pottwo and the will to water, and you’re ting soil; don’t reuse soil left over on your way to fresh, homegrown profrom last year. Once you’ve planted duce. your pots, remember they’re now deMost vegetables need six-to-eight pendent upon you to provide for their hours of sunlight daily, so put your needs. Containerized plants need waplants in the sunniest location you ter more often, requiring a drink at have, adding supplemental light if least once or, in very hot weather, your balcony is on the north side of twice per day. the building. Then shop containers, You need to feed them too, which keeping in mind that almost anything means fertilizer, because they can’t will work — you don’t have to spend a access naturally occurring nutrients. lot. Balanced fertilizers are best; if you’d When choosing pots, make certain like to add a timed release into your they have drainage holes. To avoid soil mix, blend it in well before plantproblems from leaching lead, go with ing, following the ratios for mixing on pots that don’t have a glaze on the in- the label. side. Clay, plastic, metal, wood — the But don’t be fooled into thinking choice is yours, but be aware that that adding slow release fertilizer will you’ll need to pay closer attention to take care of the the plant all summer; watering plants that are in porous warm temperatures and moist soil will pots, which wick moisture away faster exhaust that fertilizer more quickly than plastic, metal or glass. than the package suggests. Plan on Vegetables need plenty of root space giving it a small boost of liquid fertilizto be productive. Full size tomatoes do er in mid season, just as it begins to best in five-gallon pots while dwarf va- produce fruit. rieties can be planted in small, two What varieties should you plant? Degallon containers. Lettuce, chard or pending on the size of your containspinach like to spread out, so put ers, look for compact plants. Most them in wide, shallower pots of 10peppers are perfect for pots, as well as inch diameter. Spacemaster cucmber or Pot of Gold If vining crops catch your fancy and chard. Several All America Selections
CAROL O'MEARA CSU EXTENSION BOULDER COUNTY
A
are wonderful: Carmen pepper, purple Hansel and white Gretel eggplants, or Honey Bear acorn squash. Bush beans like Blue Lake or Contender do well, and your garden won’t be complete without a zucchini or two, so pop in Richgreen hybrid. Plenty of tomatoes do well in containers. Try Early Girl or Celebrity for slicers, Sweet 100 or Tomatoberry for cherries. The list for tomatoes in containers is a long one; it’s best to check out the habit of the plant before you buy it. For a list of vegetables that do well in containers and more tips on potted success, check out the Ohio State University Fact Sheet at www.ohio line.osu.edu/hyg-fact/1000/1647 .html. Don’t forget to plant a row for the hungry, or in this case, a pot for the hungry and donate produce to the food banks. You can be part of the national drive to help ease hunger by registering your pledge to donate food at WesternGardeners.com, a blog by garden writer Jodi Torpey (www. westerngardeners.com/plant-a-rowfor-the-hungr y.html). 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
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
4080 Apartments/ Garages/Storage Houses Unfurnished 4030 Spaces 4070 3 BDRM- JUNE 1ST
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No smk/sm pet considered, 3 BD or 2 BD- Free rent! GARAGE- $950/mo. 2450 Sq close to library & rec cenFt, Commercial, 1 bath. Pets nego. Quiet & spac. ter. $875/mo. (970)613-0557 rmpm.com 970-669-0842 $625-$695. 970-223-1349 4 BDRM, 3 ba, 2 car gar. Unfurn Studio, utils paid, Frplc, 2000 sq ft, fncd yd, no pets, 122 E 4th St Unit 7. pets OK, N/S $1350/mo., INDOOR GARAGE & $425 FPI 970-663-4664 2500 Danbury, Longmont, Commercial Storage 303-499-8698, Avail immed. 20x40 or 20x50 start at $325, 9x29 w/ gar door $200; BRICK Ranch, 3 bdrm, 10x10 $75; 12x5 $50; 10x5 $40 I-25 & Hwy-66. 970-535- 6074 2 baths, frplc. No smk/pets. www.Longmont-storage.com Avail June 1. $1050/1 year lease. Call, (970)669-0594 40X60 SHOP- w/separate office. $1000/month. NICE clean 3 bdrm, 2 bath, (719)433-5095 double garage, close to Loveland Lake. $925/mo. Call (970)461-1189 Approx 700 SF, 2nd floor Storage/Office, NW corner Bunyon & 1st , Berthoud. $575/mo + dep 970-532-2652. To ensure you receive the best response to your Approx 800 SF, 1st floor advertisement, please EQUAL HOUSING commercial/office space. check your ad the first OPPORTUNITY Mountain Ave., Berthoud day of publication. All real estate $700/mo + dep 970-532-2652. We regret we cannot be advertised in this responsible for more paper is subject to the than one day´s incorrect FOR LEASE: Loveland federal and state Fair insertion. Billing Warehouse- 14,000 Sq Ft, Housing Act which inquiries can be mostly retail finished. makes it illegal to initiated within 30 days $9,000/net per month. advertise “any of ad expiration. Call (970)535-6074 preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status or national origin, or an intention to make any such preference, 2 Bdrm + Office Beautiful limitation, or 2 BDRM, 1109 E 4th, 2 Ba Townhome. Near discrimination.” $525/mo. Newer carpet. Centerra/I-25! Deck w/ rmpm.com 970-669-0842 views, all the +s! $1095 The newspaper will drakemanor.com not knowingly accept 970-493-4052 any advertising for ✭ 2 BEDROOM Home ✭ real estate which is in $575+dep. West Hwy 34. violation of the law. 970-690-9049 3 Bdrm- 2.5 ba, 2122 SW 3rd, All persons are hereby $950/mo. Unf bsmt 2 CG. informed that all rmpm.com 970-669-0842 dwellings advertised Move in May for $1!!!! are available on an NO JOKE equal opportunity Only 3 homes available, basis. Quick & Easy Approval Look today, MOVE TODAY Call 970-482-8488 wac 2 BDRM, 1211 Redwood, 1 Bdrm + Office/Den $695/mo. Finished bsmt NEW HOMES REDUCED! Vintage Home on rmpm.com 970-669-0842 Don´t miss out on this 1.1 Acres! New carpet, lg kitchen, fenced, attic & SAVINGS EVENT! Easy approval, quick closings & cellar storage! $850 2 BDRM, 1807 E. 16th, $550/ affordable payments. drakemanor.com mo, W/D hookups, Call Tax ID´s welcome. Limited 970-493-4052 rmpm.com 970-669-0842 availability ACT NOW!! Call 970-420-8488 *wac NO TAX CREDIT ~ 2 BDRM, 1 BA duplex. 1802 NO WORRIES Hilltop Ct. Gar, A/C, spnkler, cov patio, lndry Still great reasons to buy! ~ Low fixed interest~ rm, new W/D, quiet wside Home prices still low~ neighborhd. No smk/pets. OFFICE, RETAIL, 100% financing~ $750/mo + dep. 970-217-2853 INDUSTRIAL. UTIL´S Build equity. INCLUDED. 970-667-3338 2 BDRM- 2354 SW 10th $550 Quick, easy & free to 1/2 mo/FREE, Wall A/C qualify. Give us a call rmpm.com 970-669-0842 today and we´ll get you started! 2 BDRM- 2531 Garfield, Ken or Tammy $575/mo, pets nego Western Plains Realty rmpm.com 970-669-0842 970-663-5008 HOME NEEDED! 4/5 bdrm, in Lvld/Ft. 3 bdrm, 1 ba duplx, 504 3 Bdrm 1 Ba Ranch-Style Collins. 2 + yr term or Jocelyn SW Loveland, dbl Home-NW Loveland! Rent-to-own. 970-308-4538 gar, WD, fncd, no pets $775 Hardwood floors,great or drake_999@msn dep + $775 rent. Avail 6/1. fenced yard,quiet! $1195 970-586-1669 drakemanor.com 970-493-4052
Commercial Industrial 4040
Houses
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4060
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Business 5026 Opportunities Restaurant For sale/lease in Berthoud. Profitable Johnstown bar also avail. Tavern lic. 303-817-7973
Lots & Tracts
5100
2 ACRE LOT, Berthoud area, $30K price reduction, $139,000. Call Steve Conder for details, 303-514-3706. LARGE HOME SITES 50% off, 10K SqFt. 4 available, Johnstown. 970-290-3828
AVOID FORECLOSURE Don´t let time run out. I can help.
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4170
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Loveland
5110
LAKE FRONT HOME 1817 Silver Leaf Dr 3 bed/2 bath ranch home, 1850 sq ft. More info/pics at Craig´s List. $343,500 Email: fsbosilverleaf@ hotmail.com
Mobile/ Manufactured Homes/ Spaces 5130 ✭
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Real Estate Wanted 5170
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A picture is worth a thousand words Try a classified picture ad! Call for details
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Office Space 4100
Wanted To Rent
5110
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Condos/ Townhouses 4050
Duplexes
Loveland
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When to Plant Your Vegetables KATHY ROTH CSU EXTENSION, LARIMER COUNTY
G
rowing your own vegetables allows you to truly understand what fresh means. Even if you have a small garden area, or plant your veggies in containers (like I did on my apartment balcony back in the ‘80s), you can reap the rewards of homegrown produce. Growing vegetables in Colorado necessitates understanding that we have challenges — temperature swings, cold spring winds, a short growing season, hail storms and desiccating hot summer winds. Though the elements may conspire against us, persevere and use mulch to conserve moisture. An important date to keep in mind is May 15; Northern Colorado’s average frost-free date. If you try to outsmart Mother Nature by putting your tomato plants out on a summer-like day in April, heed caution. They may freeze on a frosty night or likely won’t survive one of our typical spring snowstorms — replacing plants can get expensive, so it’s better to wait. Vegetables are classified as either cool or warm season crops. This description refers to the temperature conditions under which veggies grow best. Successful harvest for cool season crops depends on the plants maturing while the weather is still cool. Hot weather may cause bitter tasting lettuce or cause your broccoli to “bolt” (go to seed) instead of being edible. General guidelines for planting vegetables can be garnered by reading the backs of the seed packets and by checking the Colorado State University Extension Master Gardener “Garden Notes” #720: “Vegetable Planting Guide”. This publication can be found online at www.cmg.colostate .edu/pubs along with other gardening information. The guide outlines the optimal planting dates of many vegetables, as well as planting instructions concerning seed depth, spacing and typical days to harvest. These planting time guidelines are based on the temperature needed for seed germination. If soil temperatures are not warm enough, the seed will not germinate. Another problem with cool temperatures is that they may stunt a young plant if transplanted outside too soon. If you are transplanting purchased plants or ones that you’ve started indoors from seed, be sure to “harden off” the plants first. This
process lessens the shock of moving them from indoors to outdoors by gradually exposing seedlings to longer periods of outdoor temperatures (unless temperatures are below 50 degrees) over a period of at least a week. Reducing the seedlings’ water will also help plants adjust to outside conditions. Hardy cool season vegetables can be planted first, as early as 2-4 weeks before the average last spring frost date of May 15. These vegetables include broccoli, cabbage, onions, lettuce, peas, radish, spinach and turnips. They prefer cool growing temperatures and fail to thrive in summer heat. Semi-hardy vegetables are less able to withstand a cold night and can be planted up to two weeks prior to May 15. These include beets, carrots, cauliflower, parsley, parsnips, potatoes and Swiss chard. Tender Vegetables like beans, celery, corn, cucumbers and summer squash need to wait until after May 15 and in many cases should be planted toward the end of May. The very tender vegetables like tomatoes, peppers and vine crops (melons, cucumbers, winter squash, etc.) are planted last. They prefer weather that is consistently above 55 degrees during the day. Tender vegetables are intolerant of cooler temperatures or cold winds. Balancing the plants’ needs for sufficient warmth with the length of its growing season to reach harvest can be tricky. One suggestion is to look for varieties that have the shortest number of days to harvest on the seed packet. A typical first frost date in our area occurs the first week of October. Providing optimal growing conditions and care once you’ve planted your garden produce is provided in CSU Extension Garden Notes #719 on “Vegetable Garden Hints.” Whether you want to start an asparagus bed, minimize bolting of cole crops or learn the secrets of successful tomato growing and disease prevention, this Garden Notes has the insider knowledge to help you harvest home grown veggies bursting with flavor and nutrition. Roth has received training through Colorado State University Extension’s Master Gardener program and is a Master Gardener volunteer for Larimer County. For more information about CSU Extension, Larimer County, call 970-4986000 or visit www.larimer.org/ext.
Local gardening tips called the Three Sisters. Tall corn provides the height and support for the beans, whose roots are shaded by the sprawling • Plant calendula officileaves of the squash. Plant nalis amongst your vegetaat least two rows of corn bles this spring. This is an to assure pollination. edible herb, a member of • Carpet bugleweed the aster family, and is aldoes well as a ground covso known as pot marigold. er in heavy soils. A leafed Flower colors range from evergreen perennial, it yellow to apricot and spreads easily and may becream. Calendula is easy come aggressive in certain to grow in full sun. situations. Small flowers • Native Americans range from white to rosy, planted corn, runner and foliage may be burbeans and squash is a har- gundy to variegate. Not monious combination suitable for foot traffic.
ANNE WUERSLIN CSU EXTENSION LARIMER COUNTY