Home and Realty Guide

Saturday Reporter-Herald July 17, 2010 E1

Real Estate Matters

www.homeandrealtyguide.com • Saturday, July 17, 2010 • Reporter-Herald

Refinancing may be a good idea ILYCE GLINK TRIBUNE MEDIA SERVICES

Q

uestion: We are one of the few who can but have not yet refinanced and are looking at refinancing this week.

We have about $250,000 equity in our home on a 30-year mortgage 6.2 percent. We are three years into the mortgage. We are in our mid 50s. We know we will stay in this home for at least seven more years.

We have just come into a very nice inheritance. Should we go for a 15-year fixed-rate mortgage and put cash in to lower our payments, or should we just refinance with a new 30-year loan at 4.6 percent and invest the inheritance elsewhere.

Answer: Go for the 15-year refinance, but don’t put any cash in.

Leave a little of the inheritance on the side so you have plenty of emergency cash, and invest the rest. The idea is that the payments might be higher, but the interest you’ll get (around 4 to 4.25 percent) will help tremendously, so the differential won’t be that much, if any.

For example, let’s say you took out a $250,000 loan for 30 years at 6.2 percent. Your monthly payment is about $1,531. On a 15year loan at 4.25 percent, your monthly payment will be $1,874.

That’s about $350 per month extra, or $4,200 more per year. If I See GLINK/Page E4

Inside this week’s Home & Real Estate

Realtor of the Week Kristen Specketer of The Group in Loveland

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Transactions View recent homes sold in the Loveland/ Berthoud area

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Director y Page E5

Best in Show ThinkStock photos

Tips for buyers and sellers with home showings JADE CODY SPECIAL SECTIONS EDITOR

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hen buying or selling a property, an open house or home showing is paramount. For sellers, it is a first impression and a chance to entice the homebuyers into making an offer. For homebuyers, it represents the opportunity to see, feel and walk in what will be a monumental financial investment.

Here are some tips for both homebuyers and sellers in terms of home showings.

SELLERS — PREPARING THE HOME It may seem obvious, but homes should be clean, decluttered and free from distractions.

Sarah Warnock, Realtor with Prudential Rocky Mountain, Realtors in Loveland, said a home showing can be key to a sell. Too much clutter — whether it be items on the counters, too much furniture or too much on the walls — can dissuade a buyer.

“People need to be able to envision their own stuff in there,” she said.

• Entryway — “Really work on the entryway,” Warnock said, because it will be the buyers’ first impression of the home. Remove debris from garden beds, clean up the door and the windows, and make sure the landscaping looks manicured.

• Kitchen and bathrooms — According to Warnock, these two rooms may be the most important rooms in the house.

Make sure the countertops are clean and uncluttered.

• Closets and cupboards — Buyers will be looking through the every nook and cranny in the house, including the closets. Be sure they are organized and clean.

• Personal items — Some Realtors recommend taking down all personal decor items, Warnock said, but “I think that makes it feel cold and sterile ... as long as it’s not cluttered.”

Keep family photos and personal touches to give the house a feeling of home.

• Valuables — Put them away or lock them up.

• Get lost — Home sellers should never be present during a showing, Warnock said. It makes the homebuyers feel uneasy, unable to express concerns and rushed. While you’re at it, take the pets. While you love them, not everyone is a pet person and might give the impression that the home isn’t clean.

Along those lines, it’s also a good idea not to smoke in the house when you’re having showings.

• Lights, action — Turn all of the lights on and open window coverings and blinds, Warnock said. This will give the home an open, refreshing feeling.

BUYERS — WHAT TO LOOK FOR • Visit a reputable lender and become pre-approved. This should be the first step in the homebuying process, and will give homebuyers a good idea of

what they can afford to purchase, said Stephanie Kirkland, Realtor with The Group in Loveland.

• Shop online first — Most listings are available for viewing online, so it’s a good idea to weed out the homes you might not be interested in beforehand, Kirkland said. “If you have a pretty good idea of what you’re looking for, there’s a lot of inventory available right now,” she said.

• Picture yourself living there.

Are you comfortable with the stairs, are the closets big enough, will the home take too

much fixing up? Imagine your daily life in the house you are touring, Warnock said.

• Control — With any home, there are things you can and can’t control. Decide if you are comfortable with the things out of your control, such as the neighborhood and nearby streets. “You can’t change your neighbors and you can’t change a nearby busy street, but you can change the countertops,” Warnock said.

For more information, contact Warnock at 970-612-1212 or swarnock@prurmr.com. To contact Kirkland, call 970-613-0700.

OPEN HOUSE WEEKEND JULY 23-25 11a-5p Refreshments Incentives Prize Drawings g Meet our Builders FIRST 10 E AV BUYERS S

Loveland's newest low maintenance patio & semi-custom home community For more information contact Glen Marketing Team, ERA: Another quality neighborhood by Glen Companies ERA Herman Group 8 reputable and reliable builders offering homes from mid $300's (970) 663-4522 Real Estate Conveniently located in S.W. Loveland 1/4 mile west of Wilson Ave on 14th St. SW www.DakotaGlen.com

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Saturday Reporter-Herald July 17, 2010 E2

How to avoid getting burned by your tenants erty management on his Loveland home after he had a bad initial renting experience as well.

“He did all the wrong things and he's aking the decision to rent your just a first time buyer,” Lundy said. Zach home for the first time requires had to move soon after buying because he some education. got a job in Oregon so he decided to rent, “Learning to be a landlord is very Lundy said. doable, and you can do it yourself but “He didn't do a credit check. He has a there is tuition involved,” said Dick Eshelbig heart. He really liked these people and man, property investor and President of thought they were cool, and they liked old the Board of Directors at the Northern houses and he's nostalgic about old houses Colorado Rental Housing Association. and they said they'd take care of it.”

“The tuition of learning how to do it is When the rent was due they didn’t pay making the mistakes that cost you monand became incommunicado. ey,” he said.

“Its one thing if someone can't pay rent “You are really making a decision to risk — it's another if people just stop commua several hundred thousand dollar asset nicating,” Hancock said. out to someone, and you're risking Zach had someone check on the house whether they will do damage to the propand “the people had not been taking care erty or not.” of it,” Lundy said.

Tate Lundy and her husband, of Fort The yard hadn't been mowed in so long Collins, paid that tuition with their first that her brother received a notice from rental experience in Los Angeles where The City of Loveland stating that “they they currently own two duplexes. would be would be fined several hundred The woman they rented to had experidollars if he didn't mow the lawn,” Lundy enced bankruptcy and in general seemed said. down on her luck. Lundy did a credit The tenants agreed to leave when asked. check and the results weren’t great, but “He never did recover one months rent they thought she was nice. “We thought, and lost his deposit to that and had a lot of oh we're going to give her a chance,” damage to the carpets,” from the tenants Lundy said. dogs, Lundy said.

The tenant was consistently late with Zach’s house is up for rent again, and he rent and eventually fell so behind in payand his sister are now employing a credit ments, Lundy and her husband asked her check and trying to do character evaluato leave. Her pets ruined the carpet and it tions even though it’s hard he said. had to be replaced.

“People don't tell the truth,” Hancock The tenant left the unit “absolutely said. “When you hear the stories from filthy,” Lundy said. neighbors and all the neighbors corrobo“After that we were really, really strict on rate, it’s just frustrating because you want who we got,” Lundy said. “We looked at to believe (the tenants),” Hancock said. any kind of bankruptcy issue, we were just Eshelman and Lundy offer some things a lot more selective.” to consider when renting your home: Lundy and her husband continue to rent that property, and she has since been help- CHECK OUT YOUR POTENTIAL RENTERS “You've gotta do your homework before ing her brother, Zach Hancock, with propJENNIFER LEHMAN SPECIAL SECTIONS REPORTER

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you rent the house out,” Eshelman said.

Eshelman recommends using a company that does credit and background checks on rental applicants. “That is very, very important,” he said.

“Do a formal application, verify what's on the application. You want to know employment, how long they lived at their last residence. And you'd like to know their rental history with past landlords and then you verify it with past landlords.”

When it comes to renting, Eshelman said, an excellent judge of character isn't going to cut it.

“Always check the history and always run a credit report, and you will find that your subjective opinion is often not as good as you believe it is.”

Lundy also recommends looking at the bigger picture.

Lundy’s good friend and her husband went through bankruptcy and are renting since their credit score makes it impossible for them to buy.

“They are working hard to get out of it. I told her as a landlord I would look at that and take into account that she and her husband were working hard to get out of the bad credit.

“You can't just look at credit you kind of have to look at the whole picture. Definitely references are huge,” Lundy said.

she said, “we got stuck with a lot of huge plumbing bills.” “If the plumbing is the tenants fault they need to take care of it, if its a structural problem, the landlord should take care of it.”

CONSIDER HIRING A PROPERTY MANAGER’ “If you do not have experience or if you're not willing to make the hard financial decisions if they don't pay you rent, then you ought to hire a property manager.

“The other reason to hire a property manager and one of the reasons owners are not good property managers, is because you've got to keep current on what the rental rates are, and one of the things you hire a property manger for is to know what the rental market is and rent it out at market value,” Eshelman said.

Lundy prefers to deal with the tenants herself rather than hiring a property manager.

“I don't want to have someone choosing our renters,” Lundy said, adding that she is a good judge of character.

“If you are in it just for profit, yeah, maybe you should hire a property manger,” she said.

MAINTAIN THE PROPERTY “If you're the owner of a property, spend the money to maintain the house in a deGET IT IN WRITING sirable condition,” Eshelman said. “If you “Having a written lease is absolutely es- don't respect your property and maintain sential,” Eshelman said. it, your tenants will not. My standard alOne thing Lundy recommends including ways was, would I live in the house I rent in the lease is a clause about the plumbing after an an experience with a “sweet little I See Tenants/Page E5 elderly lady kept clogging up the toilet,”

Property of the Week 719 James Park Trail Loveland, 80537

H&RE Realtor of the Week Meet

Kristen Specketer

U

1

25

1

• An exceptional home on 35 acres

• 2 fireplaces

• 4 beds, 4 baths

• Media room

• Walk-out basement

• Loft

• Mountain & city views from all windows

• Elite appliances

• Cherry floors & cabinets

• MLS MLS #622748 #622 #6 2274 748 8

• Main floor laundry

• Cat-5 wiring

Peggy Martin P 9970-391-1745 REALTOR®

se enho ho howe owe werr - Lo LLoveland, Love ove vella land nd, d, CO 8 805 0537 05 37 • 9 970 70 750 W. Eisenhower 80537 970-669-1234

NEW NORTHERN COLORADO HOMES Enchantment Ridge

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Seven Lakes Dr.

The Look and Feel of a $400,000 home for $279,685

OPEN HOUSE SAT. & SUN. 1PM-4PM

OPEN SAT & SUN 12-5

New Homes Priced in the Mid 200’s in Desirable le Seven Lakes Area 5 Piece Master Baths, Walk-in Closets, Air Conditioning, Garages, tioning 3 Car Garages Unfinished Basement, Lake Rights 4 Ranch Plans and a 2 Story with Main Floor Master to choose from

4475 Hayler Avenue, Loveland 3400 sq ft • 3 bedrooms/2 baths 3 car garage • wood/tile floors Homes starting in the mid $100’s*

970-532-5900

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D.E. BURNS CONSTRUCTION Quality • Integrity • Experience • Reputation

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tate company as THE GROUP, INC. Location:5401 Stone Creek Cir. Loveland, vice president of operations before CO 80538 joining The Group.

Contact: 970-290-8097 or kspecketer@thegroupinc.com. Company Currently, Kriswebsite is www.nocoluxuryhomes.com ten has relationships with a great Designations, Affiliations and Accolades: network of banks, Bachelors degree in business, Certified Necontractors, gotiation Expert, Certified Distressed Prop- builders, developerty Expert, Loveland Berthoud Association ers and more. She of Realtors, Colorado Association of Realhas successfully tors, National Association of Realtors. closed near 100 percent of her short sale listings, which is Years of Experience: 5 well over the industry standard. Kristen has nparalleled service has been Kristen's an incredible perseverance and dedication to her customers and her clients look to her key to success in her real estate caas a trusted real estate advisor and for reer. She began in the business as a proven results. She participates in many acmarketing director for a large Front Range tivities in the community including being a builder and then demonstrated her enmember of the Loveland and Fort Collins trepreneurial side, starting a real estate investment company. Through this, she gained Chamber of Commerce, Stir and volunteering and giving back to the community experience with fix-n-flips, foreclosures, short sales and property management. That through programs like the Boys and Girls Club, Wings and United Way. Kristen also enhard earned experience, coupled with her joys spending time with her family and education, has served her customers well.

Shortly after getting her real estate license, friends including her six-year-old daughter she went to work for a LoDo Denver real es- Taylor.

Saturday Reporter-Herald July 17, 2010 E3

H&RE Real Estate Transactions Real Estate Transactions • Jonathan & Tara Aust are supplied by Prospects Un- from Hatcher Mark J & Liza J, 544 Wapola Ct, Loveland, limited Inc., 1151 Eagle Drive No. 467, Loveland, CO $287,000, home 80537, 667-1537.

• Carter Hobert from Tice Paul S, 5586 Stone Church Ct, Loveland, Loveland $285,000, home • Grey Gustafson from • Bill Trust from Lenz EuMenghi James P, 281 Augite gene, 268 Medina Ct, LovePl, Loveland, $193,000, land, $230,000, home home • Amanda Maestas from • Arnold Wilson from NoMitchell Michael David, ble Michael G & Maria An1136 Harrison Ave, Lovetonia D, 872 E 1st St, Loveland, $150,000, home land, $140,000, home • Brock & Monica Slusser • Troy & Brittni Pelfresne from Obrien Bonnie J, 628 from Oak Valley Homes Magpie Dr, Loveland, LLC, 255 Carina Cir Unit $197,500, home 105, Loveland, $146,000, • Kristin Losacco from condo Pilkington Timothy A, 1220 • John & Vicki New from Alpine Pl, Loveland, Boehm Edward Jr & Laveta $170,000, home Rae, 127 S Cleveland, Love• Ryan & Heidi Smith land, $278,500, home from Raberge Scott I & Lisa • Jon & Renee Zahourek R, 3808 Poudre Dr, Lovefrom Brent Rick L & Sally land, $415,000, home A, 1124 Monroe Ave, Love• Robert & Shirley land, $155,000, home Strouse from Smith Heidi R • Windmill LLC from & Ryan J, 3765 Avery Pl, Brown Roy V & Shona, Loveland, $260,000, home 4748 Lucille Ct, Loveland, • Richard & Carolyn $125,000, home Hansen from Kaltenberger • Todd Hayes from Camp- Nancy L, 3268 Crowley Cir, bell Janice C, 2791 Amber Loveland, $390,000, home Dr, Loveland, $358,000, • Barbara Seideneck from home Shea Dylan R, 727 Sheridan Ave, Loveland, $222,000, • Mike & Natalie Porter home from Golderdobbie Maury, 5223 Coral Burst Cir, Love• Sam & Marsha Beisner from Kropatsch Thomas A, land, $225,000, home

This week Last week Trend

4.59%

4.62%

15-year fixed

4.11%

5/1 ARM

3.70%

4.14% 3.71%

Berthoud • Angela Purdy from Berthoud Habitat For Humanity, 1712 N 4th St, Berthoud, $117,000, home • Laura Dmytrenko from

Berthoud Investments Lllp, 837 Gentlewind Way, Berthoud, $161,300, home • Kelly Murtagh from Richardson Dana P & Monty, 516 Mountain Ave, Berthoud, $106,800, home

Estes Park • Lewis Gillett from Aurora Ln Services LLC, 426 Aspen Ave, Estes Park, $185,000, home • Donald & Kathleen Damon from Base LLC, 2001 Cherokee Dr, Estes Park, $599,900, home • Vogel Trust from Laviolette Janice, 1519 Raven Cir, Estes Park, $260,000, home • Kathleen Moran from Crabbs Michael A & Susan K, 152 Alpine Dr, Estes Park, $363,000, home • Ronald Vieselmeyer from Fannie Mae, 1951 Baldpate Ct, Estes Park, $365,000, home • Michael Lindeman from Kao Suelan & Pinghui, 1868 Stonegate Dr, Estes Park, $310,000, home

Johnstown • Andrew & Amanda Stevens from Ryland

Group Inc, 2708 S Muscovey Ln, Johnstown, $251,400, home • Melissa Jorgesen from Kortje Frank J & Amanda L, 26 S Harding Ave, Johnstown, $142,000, home

from Barnhill James T Jr & Margaret, 707 Cornerstone Dr, Windsor, $259,000, home • Shawnda & Jimmy Schwindt from Hartford Homes Inc, 7044 Crystal Downs Dr, Windsor, $381,000, home Milliken • Benjamin & Melissa • Scott & Toni Ditsworth Spaulding from Fannie Mae, from Granite Rentals Inc, 1302 Fairfield Ave, Windsor, 964 S Lilac Ct, Milliken, $189,900, $161,500, home home • Heather Morgan from • Lynette & Stacey Weber Kace Invest, 200 S Ethel from Gerdom Deward W Jr Ave, Milliken, $127,400, & Toni J, 211 Cattail Bay, home Windsor, $299,400, home • Timothy Schuetz from • John & Linda Shaw Jackson Andrew Iain, 672 from Home State Bank, Traildust Dr, Milliken, 6562 Aberdour Cir, Wind$222,000, home sor, $402,500, home • Timothy Chapin from Severance Johnson Pamela G, 806 2nd • Jeffrey & Kathry OrsSt, Windsor, $132,900, burn from Johnson Eric R home & Cassandra K, 1091 Ma• Warren & Kelly Schutte hogany Way, Severance, from Orozco Nicholas $186,000, home Joseph & Susan Marie, 4891 Haystack Windsor Dr, Windsor, $750,000, • Larimer LLC from home Nelson Riley G & Colleen A, • Adam Schmidt from 1288 Lake Cir Unit Smothermon Lynn D, 1104 12c, Windsor, $134,400, Timberline Ct, Windsor, condo $254,900, home • Cricket & Troy Fuecker • Keith & Marnie Arnold from Tbw 2007 2, 411 Crys- from Classic Custom tal Beach Dr, Windsor, Builders Inc, 6632 Murano $296,600, home Dr, Windsor, $609,400, • Daniel & Gina Morey home

Regional Snapshot for Loveland/Berthoud Residential

Mortgage rate update 30-year fixed

1801 Diana Dr, Loveland, $162,500, home • Larry & Pamela Carlson from Davidson Robert E & Eleanor J, 2021 Kennedy Ave, Loveland, $205,000, home • Jason & Becky Filler from Fannie Mae, 2909 Alamosa Ct, Loveland, $251,800, home • Barbara Russell from Scheck Charles & Heather, 2207 Empire Ave, Loveland, $175,000, home • Joshua & Jessica Beach from Stephenson Michael S & Judith M, 4379 Brookstone Ct, Loveland, $241,500, home • Michael & Judith Stephenson from Sullivan Linda S, 410 Gerry Dr, Loveland, $300,000, home • Thomas & Linda Fura from Totedo Theresa M, 2408 Steamboat Springs St, Loveland, $210,000, home • Elisa Platz from Wells Fargo Financial Colo Inc, 1512 W 12th St, Loveland, $195,000, home

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

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

April 2010

May 2010

June 2010

Active Listings Previous Year Active Listings

1126 1069

1117 1080

1101 1095

Sold Listings

138

158

169

$199,900 $183,500

$214,500 $198,000

$234,000 $207,500

EDITORIAL INFORMATION 635-3656 DISPLAY ADVERTISING 669-5050

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

105 127

117 125

132 121

CLASSIFIED ADVERTISING 635-3650

Year to Date Listings Sold Previous Year YTD Listing Sold

401 334

559 440

728 579

Monthly Volume Previous Year Monthly Volume

$34,199,536 $23,882,898

$39,407,269 $24,919,043

$47,395,158 $34,313,560

Open Houses This Weekend - www.thegroupinc.com SAT 11:00 - 1:00 & SUN 1:00 - 3:00

SUNDAY 1:00 - 3:00

SATURDAY 11:00 - 1:00

SATURDAY 1:00 - 3:00

426 Radiant Drive, Loveland - Pa o home with 2 beds, 1 ½ bath, and a 2 car gar. EVERYTHING has been updated inside and out: Maintenance free living with a large lot which can be fenced in for privacy. Hosts: John Simmons (Sat) and Jo Carney (Sun) 310-1836.

1225 E 4th Street, Loveland - Two homes for one low price!!

Main house features two spacious bedrooms, separate family and living room areas. Hot tub. BONUS: Separate 1 bedroom, 1 bath home that currently rents for $535 per month. Home.

Warranty Included

1280 SW 22nd Street, Loveland - Well cared for home w/a nicely manicured spacious .28 acre yard.

Expansive back deck inclds a covered Gazebo & Hot Tub. FP in the lo /study & wood stove in the lower level, A/C.

2465 Birdie Way, Milliken - Great ranch with 3 bedrooms, 2 baths and main floor laundry. Main floor features master with full bath and walk-in closet.

Main floor also provides 2 bedrooms, laundry, and guest bath. No monthly HOA.

$150,000

$164,900

$179,900

$210,000

MLS#633555

MLS#632018

MLS#632197

MLS#625525

Call John Simmons 481-1250

Call Mark Moran 218-1891

Call Amy Lane 567-0816

Call Kelli Couch 310-8804

PRICE REDUCED!

SATURDAY/SUNDAY 1:00 - 3:00

SUNDAY 1:00 - 3:00

SATURDAY/SUNDAY 1:00 - 3:00

SATURDAY 1:00 - 3:00

SATURDAY/SUNDAY 12:00 - 5:00

2472 Anemonie Court, Loveland - Contemporary open flr plan on a cul-de-sac. 4bdrm, 3bth & 2-c garage. Mstr bdrm offers 3/4 bth, walk-in closet & sliding door to the pa o. A/C, sprinkler system. Low HOA fee!

285 Sand Grouse Drive, Loveland - Impeccable home backing to community green space w/ amazing mtn views! Bright & open floor plan w/ beau ful decora ng & design accents, 2 large living areas, great kitchen w/ maple cabinetry, master w/ private bath & more.

2102 Farisita Drive, Loveland - Classy all brick custom home. Over 2,000 sq on one level. Solid wood 6 panel doors, Pella windows, Jenn-air range, oversized garage, spacious corner lot, full rock fireplace.

1625 Tiger Avenue, Loveland - 2 story home in SW Loveland.

4 bd+lo , 3 bth w/a family room, formal living & dining.

New carpet, paint, lights & more. Corner lot w/beau ful landscaping. Gardens, sprinklers, pa o, fenced yard, central A.C., RV/Boat Parking.

1002 Burrowing Owl Drive, Ft. Collins - Popular ranch floorplan! 3 bedrooms + a study. Approx 1,807 finished sq + an unfinished basement. Lots of upgrades throughout – Tharp maple cabs, hickory floors, all appliances included + front yard landscaping and rear yard fencing!!

$222,500

$241,500

$243,500

MLS#632438

MLS#631554

MLS#634231

MLS#633686

MLS#626289

Call Diana Luthi 481-2692

Call Debbie Hansen 222-9618

Call Bob Skillman 631-2257

Call Cathy Vance 231-0234

Call Dianne Breneman 222-8549

$215,000

$299,900

LAKE ACCESS!

SATURDAY 12:00 - 3:00

SATURDAY/SUNDAY 12:00 - 5:00

TUESDAY - SUNDAY 1:00 - 4:00

SUNDAY 1:00 - 3:00

SUNDAY 1:00 - 3:00

14500 N Co Rd 27, Loveland - Newer home on 40 acres. Large bright floor plan, large kitchen with breakfast bar, formal dining room, private master suite with 5-piece bath, 2 bed + 1 bath at other end. Huge deck with bench and views of valley.

Newer sep c and well. Next to paved road.

1014 Burrowing Owl Drive, Ft. Collins - Welcome to Waterleaf! Smartly Designed Homes for Northern Colorado Living. Choose from 4 ranch & 5 two-story floor plans. All appliances included. Amazing list of included features! Pricing from upper $200’s to low $400’s.

4635 Tarragon Drive, Loveland - Tired of yardwork? Visit our furnished model home at The Pa os in Thompson Crossing. 6 ranch plans, 3 car gar op ons, garden level lots, views, low HOA dues. Convenient loca on, yet tucked away; million $ sculpture walk, trail, open space close to I-25. Low maintanence living at it’s best!

6465 Clearwater Drive, Loveland - Immaculate home with Boyd Lake access and short distance to parks. Open flr plan, wood flrs and main floor office/4th bdrm. Large kitchen w/ stainless appliances, spacious master bedroom with 5-pc mstr bath…plus a real front porch!

6545 Clearwater Drive, Loveland - Private Boyd Lake access.

Beau ful ranch style home w/finished basement. Large kitchen w/granite counters, ss appliances, hardwood floor, gas range. Basement includes rec room, wet bar, fireplace, 2 bedrooms, exercise room/office, cra room & bath.

$300,000

$305,000

MLS#633549

MLS#621243

Call Laura Thomas 290-7544

Call Ma Thompson 443-9910

$325,000

$389,000

MLS#607818

MLS#630889

MLS#629669

Call Val Schlageter 217-3464

Call Lee Cord 215-9658

Call Cindy Ku n 391-4735

Priced From $324,000

GREAT LAKE VIEWS!

BACKS TO OPEN SPACE!

SATURDAY 1:00 - 4:00

SUNDAY 1:00 - 3:00

SATURDAY 1:00 - 3:00

SATURDAY 11:00 - 3:00

1650 Uncompahgre Drive, Loveland - Home rs include alder molding, solid panel doors, built-in bookcases, & three-sided gas fireplace. 5 BR, 4 BA home w/3 car side-load garage. 2 BR/ full BA plus lo upstairs & the 2 BR/full BA plus rec room in the lower level, sunroom,private office,LARGE storeroom,& spacious kitchen.

38844 WCR 31, Eaton - High quality upda ng and renova on with conscien ous care French doors to study. Truly special kitchen, beau ful cabinets, builtins, Viking gas range/oven. Great storage- detached garage and carport.

1224 King Drive, Loveland - Well maintained home + a 3216sf cedar sided shop- divided into 4 finished/ heated bays. Colorado outdoor living at its best on 1.7 easy to care for lush & level acres. Mountain views, large deck, horseshoe pits & plenty of room.

4785 Ignacio Court, Loveland - Huge vaulted ceilings, handdistressed hardwood flooring, 8’ solid wood doors & custom blinds. Granite countertops, auto-lighted pantry, pasta pot filler, ss apps & alder cityscape cabinets. 2 flat screen TVs. 2 fireplaces.Whole-house surround system. 4 car heated garage.

$389,500 MLS#624224

Call Michelle Hubbard 690-6706

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

tate S Real Es w w w.

thegr

oupin

c.com

$530,000

$395,000

$445,000

MLS#621793

MLS#618766

MLS#630305

Call Linda Hopkins 217-1228

Call Julie Hart 481-1443

Call Tracy Wilson 567-0907

29-314869

Saturday Reporter-Herald July 17, 2010 E4

The Loveland Rose Society 2010 Rose Show

GLINK

When: August 14 Where: Mountain View Presbyterian Church, 2500 N. Garfield Ave., Loveland For more information: Contact Carol Bergersen, Rose Show Chairperson at 970-482-8154 or by e-mail at Carolro@msn.com.

The theme this year is “Loveland, The Sweetheart City.”

From Page E1

750 7 50 W W. E Eisenhower iisenh senh hower o e Loveland

669-1234

view more properties at: www.HomesInColorado.com

David Powell 481-5015

OPEN Saturday 1-4

AAnthony Jarmula 219-6776

1925 Park Drive, Loveland

6742 Flagler Road, Fort C Collins

6 bed/4 bath -close to Lakes Park & city bike trails - spacious master suite with 5-piece master bath, heated tile floors in master bath - huge Trex deck is ideal for entertaining - Upgraded lighting throughout home - main floor office/study - Wood floors - Surround sound - Front porch - Newer exterior paint - No HOA fees. MLS #631849 $312,500

Location Location Location! 2-story in Ridgewood Hills & Loveland schools.

Finished walkout basement that sides to large greenbelt & farm land. Sit on the deck & enjoy the views. Large kitchen w/ plenty of cabinets & all appliances included. Nice sized master w/4 piece master bath. Formal Dining, A/C, Gas Fireplace, Front Porch & Large Deck. MLS #630261 $284,900

Nanci Garnand 227-1327 or 622-1810 Nanci@SellsRealEstate.com • www.LivinginLoveland.com

OPEN Sunday 1-3

Julie Stinson 970-622-1809

www.4975Filbert.com

1949 Hyde Drive, Loveland

2 story with wood floors in kitchen & family rooms.

Separate Living & Formal Dinning. R V Parking, Storage Shed, Finished basement with rec room. Seller offering $3500 closing cost assistance. $249,000

Cute and cozy describes this immaculate tri-level located close to the hospital! 3 beds, 1 & 3/4 baths, central air, nicely landscaped yard with a great deck.

Call today to see! MLS #628792 $186,000

Julie Stinson 970-622-1809

Julie Stinson 970-622-1809

2540 Mary Beth Drive, Loveland

2103 Arron Drive, Loveland

SW Loveland “Santa Fe” model, 3 beds, 2.5 baths, master with a 5 piece bath, plant ledges, central air, gas fp, full unfinished basement, deck, sprinkler system all at a great price! $218,500

HUGE LOT!!! Derby Hill ranch with a full finished basement. Needs some updating, but has tons of potential! Hot tub, potting shed, oversized two car garage, mature landscaping, enclosed porch, craft room and much more! $205,000 29-314920

that would be a stretch for you, you can just shell out $350 per month from your inheritance cash to make up the difference.

If you are going to stay in the property for seven more years, you’ll wind up spending just shy of $30,000 on the principal payments. But in 7 years, your mortgage balance will have fallen to about $152,000. In other words, you’ll spend $30,000 but you’ll cut your loan by $100,000.

I think that’s a worthwhile investment.

And, you can invest the rest in longer-term investments, like a well-rounded portfolio including some mutual funds, bond funds and cash.

Question: My husband has owned a home for 35 years. We are newly married (as of April 2009) and I have not owned a home in six years.

We just built a new home together. Can we qualify for the home buyer tax credit? We are thinking of amending our 2009 return and filing separately if necessary. We really think we deserve this home buyer tax credit.

Answer: If you bought your new home before you were married, then you might have qualified for a first-time home buyer tax credit.

But I don’t think you qualify now.

And, you’re not alone. This has been a real bone of contention for many taxpayers. There was some discussion about repealing this part of the tax law, but I haven’t heard that it has been done. Still, it’s worth spending the money to have a conversation with your tax preparer or taking a look at the IRS’s information at IRS.gov.

Meanwhile, you and your husband may qualify for a long-term homeowner tax credit of $6,500.

But it depends on when you closed on your new home and whether you were married at the time you closed on the home. This tax credit was only available for homeowners who met all of the qualifications and closed after November 6, 2009. If you still haven’t closed on the home, you have until September 30, 2010 to get the deal done.

By the way, the extended time to close is true for anyone qualifying for an $8,000 first-time home buyer tax credit or a $6,500 longterm homeowner tax credit.

Here’s the link at IRS.gov for more information: http://www.irs.gov/newsroom/

article/0,,id=204671,00.html.

And, by the way, the IRS recently released a new form for home buyers to claim a home buyer tax credit. Here’s the link: http://www.irs.gov/newsroom/ article/0,,id=218336,00.html.

Don’t forget you’ll have to attach Form 5405 as well as a copy of your settlement statement.

Question: We just bought a home in April. I found out yesterday from one of the neighbors that the previous owner’s husband committed suicide in the house, right in the bedroom I sleep in.

Had I known this, I would not have purchased the house. Are they legally obligated to disclose that to us prior to purchase?

Answer: Are you getting a good night’s sleep? Or, rather, were you before you found out about the prior owner’s suicide?

The seller of the property might have been obligated to disclose a material fact that would detrimentally affect the price or value of the property but that you would not have been able to find out otherwise.

While seller disclosure laws in most states cover issues that pertain to the construction of the home, they don’t usually cover matters that could have been discovered in the public record.

Some states seller disclosure laws would not require a seller to tell you about a new shopping center that might be built in the field that your home faces, but it would require the seller to tell you whether the basement had water problems.

To answer your specific question, I’m not sure whether a suicide would qualify, but a murder might.

People die in homes all the time, and the circumstances of their deaths differ greatly. Buyers frequently never know those circumstances, and it does not change the value of the home and probably does not need to be disclosed.

In situations in which mass murders or horrific events have occurred in a location, those circumstances may rise to a level in which a seller would be obligated to tell you of those facts.

In your situation, it’s likely that the value of the home was not affected by the prior suicide and that the law may not require a seller to tell you of that fact. But if you are still bothered by it and need a conclusive answer, talk to a real estate attorney in your area with experience in seller disclosure issues.

FEATURED PROPERTIES - UP TO $199,999 MIRASOL SENIOR COMMUNITY

OPEN HOUSE SATURDAY 11 - 3

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1250 Finch St. - Loveland

3639 Wild Horse Ct.

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1344 Sq. Ft. Ranch - 2 bedroom, 2 bath, jetted tub and many upgrades. Fully landscaped in beautiful senior community. Event Center and Activities Director onsite. Open House Sat. 2-5.

Relax & enjoy spacious, well maintained townhome minutes to Olde Course. Main floor bedrooms, 2 baths, loft overlooking living rm with gas fireplace. A/C, 2 Car Gar. Lg laundry rm. MLS#626380

Move-in ready 3BD, 3BA, 2-car garage & private backyard! NEW: interior paint, carpet, refrigerator, range/oven, dishwasher, window coverings, and vinyl flooring. Motivated Seller- will pay closing costs!

1/2 Duplex w/ no HOA fees! 1392 sf ranch, 3BD, 2BA, master bdrm has bath & walkin closet! Nice bkyd w/ storage shed. New carpeting & vinyl throughout, enclosed porch, and no neighbors behind you!

Great 4 bed, 2 bath home! Almost like new inside: repainted, new carpet & new kitchen countertops. Lower garden level offers a delightful finished family room w/fp. MLS #633897 $199,900

Lucinda Matheson or Cory Roberts Premier Lifestyle Realty 970-290-9824 970-215-9913 plrealty@qwestoffice.net

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

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

Ryan Andre Sears Real Estate 970-381-1081 / 330-7700 www.andrerealestate.com

Amy Irwin Mirasol Marketing Team 970-635-5931 www.mirasolseniorcommunity.com

UP TO $199,999 COUNTRY LIVING, YET MINUTES TO LOVELAND

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$300,000 - $399,999 OPEN HOUSE: SATURDAY 1 - 3

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4928 E. Eisenhower

4951 Clearwater Drive, Loveland

928 Andromeda Drive

1935 Blanca Ct.

500 4th St. - Berthoud

1 Acre, Private drive, back from hwy. Interior needs TLC, outside recently re-sided; some new windows, furnace is 2 yrs old. Room for animals & hobbies! Endless possibilities!

MLS#625000 $169,900

Lovely 3 bedroom, patio home. Wonderful open floor plan, bright daylight lower level, private patio & deck. Neat as a pin with a contemporary flair. Original owners. $288,000.

Size will surprise you in this 4bdrm, 3bath ranch /finished basement and many upgrades throughout. Enclosed patio w/views of a lg. manicured yard w/ fruit trees galore and vinyl fencing. Must see! $279,900

Maintenance free stucco and stone ranch w/ a full floor of gracious living & full bsmt.

Spacious liv. rm., gas fplc & lake views.

3 bdrm, 3 baths, 3,500 sq ft. Great location! $329,000.

Historic Church built in 1904 offers original woodwork, stained glass windows, bell tower and is located in Berthoud’s Historic District!

Call for more information.

Mary Miller RE/MAX Advanced, Inc., 970-391-7513

Sally Lee The Group Real Estate (970) 227-7742

Carolyn LaMaster Prudential Rocky Mountain, REALTORS 970-690-1596 c_j_lamaster@yahoo.com

Carolyn LaMaster Prudential Rocky Mountain, REALTORS 970-690-1596 c_j_lamaster@yahoo.com

Kathleen Gruman 970-290-3393 kathleen@berthoudrealestate.com www.berthoudrealestate.com

$400,000 - $499,999 OPEN HOUSE SUNDAY 1 - 3

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29-315987

2640 Farisita

855 Eagle Ridge Court, Loveland

NEW CUSTOM RANCH - 288 RESERVOIR

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215 Willow Patch Lane, Bellvue

“Don’t Be Fooled” Stop and come in, you’ll be glad you did. This 4 bdrm, 3 bath lake front beauty is a treat! Stupendous lake and mountain views, lg. rear yard perfect for entertaining. $496,000.

Remarkable home in Mariana Butte golf course neighborhood! 3 bedrooms, 3 baths, slate entry, custom & hand crafted workmanship. Separate dining room, 2 pantries, wood floors. $419,000.

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 to Reservoir.

• GEOTHERMAL/cooling • 5000 sf fin 2007 WO Ranch • 4-5 bds, 5 bths, 3 car • 3 WOW view ac • OnDemand H20 htr • Gourmet kitchen • ALL granite cntrs,hkry flrs • Hwy 34 W to CR27(Masonville), R Bison Bluff

Wonderful ranch on 56.54 acres, 5 car garage, 60x50 shop, creek runs through it. Stop by to view this wonderful property. $699,500 #616320 Also open: 8036 Firethorn by Chris McElroy, The Group, Inc.

Bob McConnell Prudential Rocky Mountain, REALTORS 970-690-1652 bobcocom@gmail.com

Gayle Schink Prudential Rocky Mountain, REALTORS 970-215-4771 gschink@prurmr.com www.prudentialrmr.com

Sandy Lee RE/MAX Advanced, Inc. 970-227-0014 sandylee@frii.com

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

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

Saturday Reporter-Herald July 17, 2010 E5

H&RE Front Range Gardening

Succeed in the war on weeds

Q

Tenants From Page 2

out? If I'm not willing to live in it then the tenant is probably not willing to live in it or maintain it. In other words, I may not choose to live in my rental house, but if push came to shove, would I?�

much money and so much grief,� he said. “You need to keep in mind that this is a business decision and a business relationship.�

Some property owners prefer a more hands-on relationship with their tenants.

When in Los Angeles, Lundy and her husband lived in one of the duplex units on their property giving them closer proximity to their tenants. “We wanted to know our tenants because we lived there. Only once I had a problem, and I didn't have a problem saying it's time to move on — it's not working for you it's not working for me,� she said. “I think that if you become friends with them they will treat your property better, they know you and they value it more� she said.

When Lundy and her husband bought their Los Angeles property, there was an elderly tenant who had been there 45 years. “We could have paid 2,000 to kick her out and double our rent. We ab-

be eliminated with a weedwacker or mower before they go to seed.

For more information on Mulches or Weed Management check out Extension’s Garden Notes #715 and #351 from www.cmg.colostate.edu/pubs.

Annie Lindgren 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, cal 970-498-6000 or visit www.larimer.org/ext

solutely did not do that, that's totally inhumane, we just kept her there and she died there. Kind of a little ding to us but I think that's a right thing to do.�

Lundy said the tenants in one of her units are struggling financially. “I have just told them, you know what, don't worry, if you have a little bit of a problem right now, I know you're good for it later,� she said.

Lundy admits they might not be the best property investors from a strictly financial stand point, but, she said, “Our renters have never taken advantage of us either.�

Lundy also recommends holding on to good tenants for as long as possible. “If you get good tenants, keep the rent close to what they started with.

Don't raise it too much because good renters are far and few between,� Lundy said.

Resources: Northern Colorado Rental Housing Association: www.nocorha.org

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PROPERTY OWNER AND TENANT RELATIONSHIP Eshelman recommends maintaining a business relationship with your tenants unless you know you can end things if necessary. â&#x20AC;&#x153;What really happens is if you rent your own house out, you become friends with the tenant, once you become friends, the decision becomes less than a strictly a financial matter and more of if you are willing to evict your friend. And a lot of people aren't willing to do that,â&#x20AC;? he said. â&#x20AC;&#x153;If you are not willing to maintain an arms length relationship, hire a property manager. It will save you so

well. Once the weeds are removed, and the vegetable plants have sprouted, you can begin putting mulch on top of the soil, around the plants or between the rows. Mulching is a good way to control weeds because it will drown out the light needed for germination. Mulch also has many other useful contributions to the health of your garden, including moistureholding properties. Hay, straw, grass clippings, plastic or newspapers are all good mulches to use as weed barriers in the vegetable garden. Weeds along the edge of the garden can

;OVTWZVU 7HYR^H`

your garden.

Weed seeds can live in the soil for many decades. So while you may think you uestion: I feel like I have all the weeds removed, spend all my free there may be thousands of time in my seeds in the soil waiting to vegetable garden germinate. Some amendpulling weeds. I get them ments we add to the soil all pulled, and then a few may add more seeds, and days later there are just as every time we till or hoe, many growing again. Is more seeds are brought to there a way to get rid of the the surface. weeds and keep them from When dealing with weeds coming back? in the vegetable garden, Answer: The battle hand pulling is often the against weeds may never be most effective and least won, but there are many harmful method of removthings you can do to help ing weeds. If you pull weeds decrease the amount of while the soil is damp, you time you spend weeding can often get the roots as ANNIE LINDGREN CSU EXTENSION

saturday

sunday PRICE

LOCATION

ADDRESS

HRS

OFFICE

$149,900*

NW LOVELAND

43RD & WILSON AVE THE COTTAGES AT ENCHANTMENT RIDGE

12-5

THE COTTAGE REALTY 532-5900

$150,000

NE LOVELAND

426 RADIANT DR

1-3

THE GROUP, INC.

310-1836

$164,900

SW LOVELAND

1225 E 4TH ST

1-3

THE GROUP, INC.

218-1891

$169,900*

NW LOVELAND

4403 ELLIOT PLACE

12-5

THE COTTAGE REALTY 532-5900

$190,565*

NW LOVELAND

3399 FOSTER PLACE

12-5

THE COTTAGE REALTY 532-5900

$215,000

SW LOVELAND

2472 ANEMONIE CT

1-3

THE GROUP, INC.

481-2692

$222,500

SE LOVELAND

285 SAND GROUSE DR

1-3

THE GROUP, INC.

222-9618

MIRASOL MARKETING 635-5931

$227,900

NW LOVELAND

4496 HAYLER AVE

12-5

THE COTTAGE REALTY 532-5900

THE GROUP, INC.

$241,500

NW LOVELAND

2102 FARISITA DR

1-3

THE GROUP, INC.

631-2257 669-8386

PRICE

LOCATION

ADDRESS

HRS

OFFICE

PHONE

$149,900*

NW LOVELAND

43RD & WILSON AVE THE COTTAGES AT ENCHANTMENT RIDGE

12-5

THE COTTAGE REALTY 532-5900

$150,000

NE LOVELAND

426 RADIANT DR

11-1

THE GROUP, INC.

$169,900*

NW LOVELAND

4403 ELLIOT PLACE

12-5

THE COTTAGE REALTY 532-5900

$172,500

NW LOVELAND

3639 WILD HORSE

11-3

PREMIER LIFESTYLE

290-9822

$179,900

SW LOVELAND

1280 SW 22ND ST

11-1

THE GROUP, INC.

567-0816

$190,565*

NW LOVELAND

3399 FOSTER PLACE

12-5

THE COTTAGE REALTY 532-5900

$202,000

SE LOVELAND

1250 FINCH ST

2-5

$210,000

JOHNSTOWN/ MILLIKEN

2465 BIRDIE WAY

1-3

$215,000

SW LOVELAND

2472 ANEMONIE CT

1-3

THE GROUP, INC.

$227,900

NW LOVELAND

4496 HAYLER AVE

12-5

THE COTTAGE REALTY 532-5900

$241,500

NW LOVELAND

2102 FARISITA DR

1-3

THE GROUP, INC.

631-2257

$243,000

SW LOVELAND

1625 TIGER AVE

1-3

THE GROUP, INC.

231-0234

MID $200â&#x20AC;&#x2122;S NE LOVELAND

3680 LOVELAND AVE

1-4

D.E. BURNS CONSTRUCTION

669-8386

$279,685

NW LOVELAND

4475 HAYLER AVE

12-5

THE COTTAGE REALTY 532-5900

$299,900

FORT COLLINS

1002 BURROWING OWL DR

12-5

THE GROUP, INC.

222-8549

$300,000

NW LOVELAND

14500 N CO RD 27

12-3

THE GROUP, INC.

290-7544

$305,000

FORT COLLINS

1014 BURROWING OWL DR

12-5

THE GROUP, INC.

$324,000

SE LOVELAND

4635 TARRAGON DR

1-4

$329,000

NE LOVELAND

1935 BLANCA CT

1-3

$385,400

SW LOVELAND

Âź MILE WEST OF WILSON ON 14TH ST. SW/HWY 402

12-3

GLEN MARKETING TEAM, ERA

663-4522

$389,500

NE LOVELAND

1650 UNCOMPAHGRE DR

1-4

THE GROUP, INC.

690-6706

$445,000

SE LOVELAND

1224 KING DR

1-3

THE GROUP, INC.

481-1443

$530,000

NW LOVELAND

4785 IGNACIO CT

11-3

THE GROUP, INC.

567-0907

$895,000

SW LOVELAND

288 RESERVOIR DR

1-4

PREMIER LIFESTYLE

481-5512

481-1250

310-8804

PHONE

MID $200â&#x20AC;&#x2122;S

NE LOVELAND

3680 LOVELAND AVE

1-4

D.E. BURNS CONSTRUCTION

$279,685

NW LOVELAND

4475 HAYLER AVE

12-5

THE COTTAGE REALTY 532-5900

$289,000

SW LOVELAND

435 CLUBHOUSE

1-3

DEIS & ASSOCIATES

231-5050

$299,900

FORT COLLINS

1002 BURROWING OWL DR

12-5

THE GROUP, INC.

222-8549

$305,000

FORT COLLINS

1014 BURROWING OWL DR

12-5

THE GROUP, INC.

443-9910

$324,000

SE LOVELAND

4635 TARRAGON DR

1-4

THE GROUP, INC.

217-3464

$325,000

NE LOVELAND

6465 CLEARWATER DR

1-3

THE GROUP, INC.

215-9658

$385,400

SW LOVELAND

Âź MILE WEST OF WILSON ON 14TH ST. SW/ 12-3 HWY 402

GLEN MARKETING TEAM, ERA

663-4522

443-9910

$389,000

NE LOVELAND

6545 CLEARWATER DR

1-3

THE GROUP, INC.

391-4735

THE GROUP, INC.

217-3464

$395,000

WINDSOR

38844 WCR 31

1-3

THE GROUP, INC.

217-1228

PRUDENTIAL

690-1596

$449,000

NE LOVELAND

2935 CHALLENGER POINT

1:30-3:30 RE/MAX ADVANCED

$496,000

NW LOVELAND

2640 FARISITA DR

1-3

PRUDENTIAL RKY MTN 690-1652 REALTORS

$699,900

NW LOVELAND

7519 BUFFALO CT

1-4

RE/MAX ADVANCED

227-0014

$895,000

SW LOVELAND

288 RESERVOIR DR

1-4

PREMIER LIFESTYLE

481-5512

481-2692

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

310-9026

For details about these open houses, see the ads in this section. For additional open house listings, please check the â&#x20AC;&#x153;Real Estate Classifiedsâ&#x20AC;? section of this publication. This guide is brought to you by the Daily Reporter-Herald, local real estate agents and area builders.

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OPEN HOUSE MAPS

Saturday Reporter-Herald July 17, 2010 E6

H&RE Front Range Gardening

Tomato troubles on the horizon content to sit quietly, feed, and excrete white, waxy frass that resembles sugar. This is their waste, called lerps, and is an easy to see clue that your “May you live in interesting times,” plant is being attacked. is a curse that seems to dog gardeners We should prepare for their arrival in this summer. If late snow, shredding our area soon, since these small, hail, and humid conditions weren’t winged sap-feeding insects have toxic enough, Mother Nature is now sending saliva that causes the plant to grow a wave of insects to perk things up in oddly. Look for leaves turning yellow the tomatoes. with purple veins, fruit that’s small Tomatoes top the list for most and tasteless, or the plant appearing kitchen gardeners, ranking No. 1 in as if sugar were spilled on it. popularity across the country in a reStart scouting your plants, carefully cent National Garden Bureau poll. checking them for insects or disease With thousands of love apples blanket- every three days until you spot signs of ing the area, it’s no wonder the Front trouble. Psyllids can mean big probRange is a hot place for psyllids to take lems for tomatoes, severely stunting their summer vacation. fruit; so at the first sign of them begin These tiny tomato boogeymen have spraying plants with insecticidal soap begun assaulting plants this season in to keep them at bay. Coverage of both what may be the vanguard of thouupper and lower leaf surfaces is crucial sands of migrating psyllids (Bacto control, and may not be enough. tericera cockereli). Dr. Whitney CranDusts of sulfur can help, if care is shaw, Professor of Entomology at Col- taken to cover all leaf surfaces, but orado State University, has seen large should the insects get the upper hand, numbers of these insects several parts stronger products with pyrethrin or esof the state, including Larimer county. fenvalerate can be used.

Sightings of the insect have also been Several diseases show up in gardens reported in Louisville and north and at this time. Green plants turning south Boulder gardens. blonde by yellowing from the lower leaves upward should be closely examThe aphid-sized adults are lovely, ined. If they have brown spots with with jewel-toned eyes and dark abconcentric rings, suspect early blight domen banded in white. Their young, (Alternaria solani). yellow at hatching, gradually turn green with each molt; being flat and Water, insects, and gardeners spread elliptical they look like scale. Though this fungus. Pick off diseased leaves adults move about actively and fly in and keep the ground free of debris. migration, the young are sedentary, Dust healthy leaves with sulfur to

CAROL O'MEARA CSU EXTENSION

shield them from infection. Once the plants have gotten three feet tall, pluck off leaves in the lower foot to prevent the spreading climb of the fungus. Give plants room to grow without crowding them, and use drip irrigation to prevent splashing water.

Black, sunken, rotten spots on the bottom of fruit are blossom end rot, a disorder caused by poor uptake of calcium. Though calcium is plentiful in our soil, irregular watering and excessive heat prevent the plant from using it. The key to control is watering consistently, so use a timer to automatically turn on and off the irrigation. Mulch plants to keep the soil from drying out too rapidly.

More information on tomato troubleshooting can be found at ext.colostate.edu/PUBS/ GARDEN/02949.html.

Colorado State University Extension, together with Boulder County Parks and Open Space, provides unbiased, research-based information about consumer and family issues, horticulture, natural resources, agriculture and 4-H youth development. For more information contact Extension at the Boulder County Fairgrounds, 9595 Nelson Rd., Box B, Longmont, 303-678-6238, or visit the web site at www.coopext .colostate.edu/boulder.

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

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

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

Commercial Duplexes 4060 Houses 4080 Rooms Industrial 4040 Spacious 3 bdrm, $850/mo 4 BDRM house on lg. lot, 2 For Rent 1300 sq ft, Tri-lvl, 1.5 ba, 1147 SF Shop + Loft, OHD, fncd yd, 1c gar, $850 dep, 3/4 bath + office. $850/mo. 7 2 1 N y s s a , N o p e t s 136-1/2 South Lincoln.

970-518-2730 970-663-3493, weekdays before 5pm. 970-663-3228

Apartments/ Furnished 4010 ALL BILLS PAID!!!

1 BDRM/studio, Downtown Loveland. $475-$550/mo.

Call 970-391-0834

2000 Sq Ft Beauty Shop/ Retail on 4th St. Off street prkg. Call 970-593-2401

Garages/Storage Spaces 4070

6000 SF Retail/Warehouse on Hwy 287. Overhead door.

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

(2) STORAGE AREAS: 780 SF $250; 1170 SF $350 (970)635-2717

Approx 700 SF 2nd floor storage/office, NW corner of Bunyan & 1st, Berthoud, $575/mo + dep 970-532-2652

Houses

4080

Kitchenettes. Weekly, Approx 800 SF 1st floor monthly rates. Util. pd. commercial/office space, Mt Avenue, Berthoud, Satellite TV, laundry rm. $700/mo + dep 970-532-2652 970-663-0400

Apartments/ Unfurnished 4030

Best location in Berthoud, 350 SF commercial/office space, 345 Mt Avenue, $500/mo + dep 970-532-2652

COMMERCIAL BLDG 1 rm, Studio+ Vintage apts 0 utils! On-site mgmt. W/D, 1220 S. Cleveland $895/mo.

2450 Sq Ft, office, DirTV $333-590 970-219-8162 overhead doors & 1 bath. rmpm.com 970-669-0842 1554 DEANNA- 2 bdrm, heat/water pd, no pets.

Refs. $535. 970-667-7538.

HIGH TRAFFIC area & competitive rates. New mgmt ● Special 1/2 off 1st 1 BDRM Basement Aptmonth´s rent. Eisenhower new paint/flooring, W/D & Monroe. (970)545-2444 hookup, no-smoke, utils pd. $625/mo. (970)669-2645 ✭1 BDRM. Gar w/opener, W/D, DW. No smk/pets. $600 incl. Ht, wtr, trash.

970-667-6199 or 231-2566 ✭ No Fri Eve/Sat calls ✭

1 BEDROOM- All appl´s.

1031 E. 4th St. Off St pkng.

No pets/smoke. $575/mo. util´s pd. (970)217-8274

Condos/ Townhouses 4050 1/2 MONTH FREE! 2 BDRM, 4695 Hahn Peak, $895/mo, Pool! Patio, Call rmpm.com 970-669-0842

Adorable 2+2 Condo at Lakeshore at Centerra! 1 car gar, W/D, Pool/spa.

1 BDRM Mobile home, Walking distance to Lake & $550, rent includes utils. Shops.$925/mo.661-414-4338.

Estate Builder 970-667-3400 2 BDRM, 1.5 bath. Large unit! $700/mo. + utilities.

Avail immed. 970-4816418

2 BDRM, 1 bath- $665 ALL utilities included!

Clean and quiet end unit.

On-site laundry, close to rec center! 970-669-1375

2 BDRM- 521 E. 13th $525/mo. Big kitchen.

Call rmpm.com 669-0842

2 BDRM, $540/month, 1010 E. 16th, pet nego.

Call rmpm.com 669-0842

2 BDRM, $540/month, 1708 E. 16th, 2-story Call rmpm.com 669-0842

3 BDRM, 2127 Campo Ct, $1025/mo, Unf bsmt, 1 car Call rmpm.com 669-0842 Centerra, Main floor, Like New! 2 BDRM, 2 ba, W/D, pool, exercise room, gar, no pets/smk. $950/mo.

970-290-8463 or 461-7136.

MOVE IN AUG 1ST Elegant townhome, backs to Olde Course. End unit, sweeping views, 3 bdrm, 21⁄2 ba, 2 car. 2400 sf of luxury living. $1250 incl. yd care.

970-530-1017 or 218-0841

Duplexes

4060

3 BDRM, 1 ba, 2 car gar618 Jocelyn Dr. $800.

No smk/no pets. Estate Builder, (970)667-3400 3 BDRM, 1303 Nickel, $725/mo, finished bsmt.

Call rmpm.com 669-0842

3 BD or 2 BD- Free rent!

Pets nego. Quiet & spac.

3 BDRM, 1.5 BA, 1 car gar, $625-$695. 970-223-1349 W/D hkup, no pets, N. Lvld, $800/mo 970-587-0563 $575- 2306 S. Colorado #A. 2 bdrm,1.5 bath 4-plex,W/D 1015 3RD ST- BERTHOUD hkups,quiet. 720-936-1854.

3 bdrm, 1 car gar, fncd yd. $795/water pd. 720-296-1337 Very nice 2 bdrm apt. New carpet & updated. Heat, Lg 2 bdrm, lg fncd yd, exc wtr, sewer pd. $650/mo, lse loc, near hosp, w/d hkup, gar, wtr/swr 970-308-7387 req´d. No pets. 970-227-9018

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.

Longmont

5090

4130

ba, 2 car gar, sprink sys, fncd yd, mntn view, kitchen Share beautiful home, lg recently remodeled, $1150/ furn room inc util: phone & m o 5 2 0 9 L a r i a t D r . , cable $380/mo. 970-622-0077 (970)667-2571 FARMHOUSE 3 bdrm, 1-1/2 ba brick farmhouse just north of Longmont.

Fireplace, wood stove, washer/dryer, fenced yard, house pets okay. $1500 plus sec deposit. 303-775-4074.

Retail Space 4135

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

Wanted To Rent

✔✔✔✔

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.

OFFICES, RETAIL, INDUSTRIAL. UTIL´S INCLUDED. 970-744-8763

4170

68 year old senior looking for rental to share with Bible believers. Reason rent, no drinking. Please call William, (970)663-9967

Million Dollar Views!

Ranch style home on 10+ acres w/ waterrights, award winning grass hay, over 3000 sq ft.home w/ multiple outbuildings great for raising animals or 4H located on the NW side of Lngmt, Reduced to $725,000 Call Steve Distel PPB&R (303)775-8723

Lots & Tracts

5100

2 ACRE LOT, Berthoud area, $40K price reduction, $125,000. Call Steve Conder for details, 303-514-3706.

WANTED: GARAGE SPACE NEAR HILLCREST. 970-292-1697

Loveland

5110

BANK OWNED- 3 bdrm, 3 bath, 2-story, 1/2 duplex, main floor master, A/C, frplc. $227,900. Re/Max Alliance, Wanda Quaid, 970-481-3033

Mobile Homes/ Spaces 4090 ✭ 2 BEDROOM Home ✭ $575+dep. West Hwy 34.

970-690-9049 Move in July for $1!!!!

NO JOKE Only 3 homes available, Quick & Easy Approval Look today, MOVE TODAY Call 970-420-8488 wac

A picture is worth a thousand words

Berthoud

5020

Try a classified picture ad! Call for details

970-635-3650 NEW HOMES REDUCED! FSBO 3 BDRM/3BA, raised Don´t miss out on this SAVINGS EVENT! Easy ranch on 3+ acres w/ponds approval, quick closings & & 4 0 x 6 0 b a r n . $ 3 9 9 K 2 BDRM, 2 BA south of 303-908-6325 affordable payments.

BANK OWNED, HUD & VA Berthoud- Fenced back yd, Tax ID´s welcome. Limited www.Foreclosures farm setting. $800/mo + availability ACT NOW!!

InLoveland.com dep & utils. Avail 8/1 Call 970-420-8488 *wac to request a copy of the list!

(970)532-7742 Julie Stinson RE/MAX Alliance 970-622-1809 2 bedroom/2 bath new patio home, 2 car garage, no pets, 217 Victoria, Berthoud FSBO, 4 bdrm, 1.5 ba, 3/4 $950/mo + dep 970-532-2652 Highly Visible- Prof Office. acre on Broadmoor Dr. Wd 920 sf, recep area, grt prkg.

Farm Residence for Sale flrs, $175K, 970-663-7309 $690/mo. 970-420-5757 Just 7 3⁄4 miles from Akron.

3 bd, 1.5 ba, lg fncd yd, 2 5 bedroom home with full car $1095+dep 2330 W 22nd Sm dwntwn office bldg w/ basement, large living St LVLD N/P 303-549-5715 reception, 3 offices, & 5 off- room, large dining room, 2 strt prk sp. 970-667-5145 bathrooms, library room, 3 BDRM, 1-3/4 bath, lg recreation room & storage rooms. N/S/P. 1st/last mo room. A new heat pump, & dep. $950, (970)310-7737 heating & cooling unit was installed in September of 2009. Approx 11 acres with 3 BDRM, 1978 Saguache, 3 outbuildings : 40x50 steel $1295/mo, Dog ok, NICE! Looking for roommate, frame with metal siding & Call rmpm.com 669-0842 MOBILE HOMES ✭ must love dogs. Please call metal roof, a 39x64 wood ✭ BUYING/SELLING weekends. (970)567-0435 frame with metal siding & a metal roof & a concrete Local park needs used mob 3 Bdrm 1 Ba Ranch-Style SHARE nice home near 50x28 with 3 garage doors & homes. We´re buying! Big Home-NW Loveland!

McKee. $400/month. a storage room on the end. Sale! Many single & dbl Hardwood floors,great (970)980-4740 7 Grain bins are included wides. Fin avl, auto apfenced yard,quiet! $1095 on the place which could be proval on owner fin homes. drakemanor.com Bad credit OK! Moves avl.

SHARE nice house, rented out if not needed 970-493-4052 970-222-1473 $400/mo personally. $165,000. Call (970)612-0133 970-345-6750 or 970-554-0603. ✭ 690-2725 or 690-3283 ✭

Office Space 4100

Farms, Ranches, Acreages 5050

Mobile/ Manufactured Homes/ Spaces 5130

Roommates Wanted 4120

3 BDRM, 222 SW 42nd, $895/mo, new carpet/paint.

Call rmpm.com 669-0842

Rooms For Rent

4130

3 BDRM, 2 BA, 2 car gar, A/C, hardwd flrs, frplc, No pet/smoke. $1150 (970)443-0594

Fully furnished large rooms. Laundry, A/C, cable, all util. incl. $325/mo. (970)227-1585

3 BDRM, 903 Ptarmigan, $1325. New crpt, No pets Call rmpm.com 669-0842

NICE, clean room for rent, with full bath in newer house, W. side of Loveland. $500/incl utils. (970)624-9065

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Greeley

5085

2 bedroom, 2 bath, 1995, 14x70, all appl inc, fenced yard, pets ok, shed inc, lots of extras $17,500 303-746-3143

Golf course community.

Gourmet kitchen, 3 fire- ❦❦❦❦❦❦❦❦❦❦❦ places, finished basement, wrap-around Trex deck. $ 2 7 5 K C a l l L a R u e 3 BDRM, ´03 Mobile home, exc cond, loc in Berthoud.

970-396-0345 $30,000. (303)772-4324 Keller Williams Realty

Snapdragons come in many sizes, colors MARGARET WOLF CSU EXTENSION Snapdragons are long-time favorites. Children love opening the jaw of the flower and watching it snap shut. The Latin name for snapdragon is Antirrhinum majus. “Anti” in Greek means “like,” and “rhinos” means “snout.” Snapdragons are native to the Mediterranean.

Snapdragon flowers are available in every color or bicolor except true blue and green. Common colors include white, yellow, burgundy, red, pink, orange and bronze. Snapdragons are self-sowing annual plants. The erect spikes are covered with buds which open from the bottom to the top. The gradual opening of the buds provides color for an extended period of time.

Snapdragon classifications are based either on flower form or height. Three categories of height include dwarf, medium or tall. Dwarf plants have a dense, bushy habit producing numerous flower spikes that grow six-to-15 inches tall. These dwarf plants are used for low borders or containers. Medium sized varieties grow to 15-to-30 inches tall are used either alone or with other annuals, and often used in floral arrangements. Tall varieties grow 30to-48 inches tall. These tall plants grow well in the back of a border and are used as cut flowers.

Dwarf varieties to look for at your local garden center include Floral Carpet and Floral Showers’ series. Both varieties grow six to eight inches tall with the traditional dragon jaws flower form. The Pixie mixture grows seven to nine inches tall with a butterfly type flower. Mid-sized plants include the Liberty series. These plants grow 18-to-22 inches tall with a butterfly type flower. The Madam Butterfly mixture grows 24-to-30 inches tall with the double azalea flower form. The Princess series grows 16 to 18 inches with traditional flower form. Tall varieties include Bright Butterflies mixture. This butterfly flowered variety grows 24-to-36 inches tall.

The Rocket series grows 30-to-36 inches tall with traditionally shaped flowers that are excellent for cutting.

Snapdragons flower best in full sun or light shade. These plants should be planted in rich, welldrained soil. Prepare the soil by breaking up large clumps of soil and amending heavy soils with compost or peat moss. The root system is quite fine and can be easily damaged by deep cultivation. A layer of organic mulch around the plants will conserve moisture and prevent weed growth. Tall varieties need to be staked to prevent breakage. Stalking should be done early in the season. Tie the stem to the stake with a soft cloth as the stem lengthens.

The only true maintenance needed with snapdragons is cutting the plants back and watering deeply in the summer heat after flowers fade. Many gardeners prefer to leave one or two flower stalks to ripen and self-sow seedlings for the next year.

Snapdragons are easy to grow from seed, but selfsown seed may not be true to form of the parent plants. Started bedding plants can easily be purchased from many lawn and garden centers in early spring. Snapdragons can be planted two-to-three weeks before the frost free date and tolerate cooler temperatures.

Snapdragon rust can be a problem but disease resistant varieties and adequate air circulation between plants can help prevent this problem; space tall varieties 12 inches apart and small varieties six inches apart.

TALL SNAPDRAGON CULTIVARS — OVER 24 INCHES • Antirrhinum majus ‘Rocket’ — A favorite snapdragon to use as cut flowers; the ‘Rocket’ series snapdragons have prolific and fragrant flower spikes that can grow to four feet tall.

• A. majus ‘Appleblossom’ — Long-blooming variety that grows three feet tall and has lovely blush pink flowers.

• A. majus ‘Cinnamon Bronze’ — An unusual snapdragon; has double, open flowers known as “double azalea” form; reaches four feet tall and will likely need staking, but is well worth the effort to enjoy the stately multi-toned apricot, peach and salmon colored flowers.

INTERMEDIATE SNAPDRAGON CULTIVARS — 12-24 INCHES • A. majus ‘Lipstick’ — An intermediate snapdragon that grows to 18 inches tall and has sturdy flower stalks packed with bi-color yellow and red blooms.

• A. majus ‘Dancing Flame’ — A red flowering, 15 inches tall snapdragon that is the first with green and white variegated leaves to be widely available.

• A. majus ‘Black Prince’ — Deep red blooms, grows to 30” tall and stands out against foliage that turns burgundy purple in cool weather.

• A. majus ‘Coronette’ — 18 inches tall snapdragon is more tolerant of poor soil conditions than others.

DWARF SNAPDRAGON CULTIVARS — UNDER 12 INCHES • A. majus ‘Peaches and Cream’ — six-to-eight inches tall with bi-colored peach and cream flowers.

• A. majus ‘Purple and White Bells’ — eight-to10 inches tall open-flowered form snapdragon with purple blooms that have bright white throats. Highly attractive form.

• A. majus ‘Little Darling Mix’ — An All-America Selection winner, this 12-inch dwarf comes in a wide variety of colors.

Margaret Wolf 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 970-498-6000 or visit www.larimer.org/ext