Saturday Reporter-Herald July 3, 2010 E1
Real Estate Matters
www.homeandrealtyguide.com • Saturday, July 3, 2010 • Reporter-Herald
BMUYER ’ S ARKET
Lender may not allow name change ILYCE GLINK TRIBUNE MEDIA SERVICES
Market conditions present a unique buying opportunity
Q
uestion: Please help. A few years ago I signed for a mortgage on my daughter’s house. How do I get this changed into her name or taken off my credit report and put onto hers? I now have a retirement property I want to buy. With her mortgage on my credit report, it appears that I am overextended financially. What do I do? Answer: Sadly, your story is a perfect example of how the best of intentions can torpedo future financial decisions. When you cosign a mortgage, future creditors will look at your signature as a guarantee that you will pay the entire loan back, should the other party to the contract not make his or her payments. In this case, it’s unclear from your e-mail whether you cosigned the mortgage (and your daughter’s name is also on the loan), or you simply bought the property and added your daughter’s name to the title. Either way, lenders now look at you as having to support a single mortgage on your income, which probably doesn’t leave much room for a second loan. There is nothing you can do unless your daughter has good enough credit to refinance the property in her own name alone, or you can find someone else who can cosign the mortgage for your new retirement home. In past years, lenders were willing to look at a person like you and have your daughter prove that she is making all of the payments on the mortgage. If your daughter made the payments and you could prove she had, the lender would still consider the other loan in determining whether to grant you a new loan, but it would discount that loan substantially, enabling you to get additional financing. Given the current state of the mortgage and real estate markets, many lenders aren’t willing to do that. Please talk to a real estate attorney for more details. Question: We closed on a mortgage with a big box lender for a condo that required flood insurance. We purchased a policy in the amount of the mortgage, which is what was required. Now the lender has contacted us to say it is requiring us to buy a policy for 100 percent replacement value that comes to almost three times the amount of the mortgage they carry. The lender actually lied on the phone and told me it is because the National Flood Insurance Program (NFIP) requires it. I called NFIP and they told me
RH PAID ADVERTORIAL
B
uying a home in today’s market? Are you crazy? It’s actually not as crazy as it may seem. Although the tax credit may have passed you by, there are still a lot of great reasons why now is the time to invest in a home. Historically, home prices and interest rates are still at unprecedented low levels, making the investment in a home a smart decision. Instead of writing rent checks month after month, think about the longterm potential you could gain by becoming a home-owner instead. While the real estate market will always have its ups and downs, the overall trend over time has been positive for home-owners. David Powell, managing broker for the RE/MAX Alliance office in Loveland, said that no matter what the current conditions are, the market eventually ends up in the winning column. “Home ownership is the key to wealth,” Powell said. “Even though we have seen some very trying times in the past three years, the longterm trend is that the market is always going up.” When you think about a home as a long-term investment, the overall appreciation may surprise you. Before the recession hit, the average annual appreciation rate on a typical residential home was 3.9 percent. However, when you consider a 20- or 30-year investment in your home, you still end up with a large amount of appreciated value if you gain roughly 4 percent over a majority of that time span. Powell added, “It’s not about the timing in the market — it’s about the time in the market. That is what creates wealth.”
CALL RE/MAX ALLIANCE TODAY, 970-669-1234
Find several incentives for going green in your home RH PAID ADVERTORIAL Missed the tax credit deadline? No problem. Now’s the time to go green in your home.
There is a wide array of tax incentives for homeowners — that don’t have a deadline. Right now, there are various tax deductions and other credits
available to homeowners who make energy-efficient improvements on their homes — at the local, state and federal levels. For good resources of informa-
tion on how to apply and receive these savings, visit the Database of State Incentives for Renewables & Efficiency’s website at www.dsireusa.org.
I See GLINK/Page E4
Inside this week’s Home & Real Estate Realtor of the Week Jeannine Diguglielmo of RE/MAX Alliance in Loveland
Page E2
Beetle Kill Wood
Director y Page E5
Fallen trees being used in home industry
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Mortgage rate update This week Last week Trend
30-year fixed
4.69%
4.72%
15-year fixed
4.09%
5/1 ARM
3.69%
4.10% 3.74%
Saturday Reporter-Herald July 3, 2010 E2
H&RE Home Improvement
Loveland contractors get EPA-certified cent of homes built before 1940 containing lead-based paint. “I’m finding there’s a lot of houses around here that are not s of April 22, 2010, any affected by it,� said Richard renovation being done on homes, child care fa- Rasmussen of Triple R Builders, cilities and schools built before Inc. in Loveland. “Downtown stuff is where you 1978 that contain lead-based run into problems,� he said. paint must be done by an EPA In the next couple of weeks, lead certified firm and lead cerRasmussen will be working on tified renovator according to the new EPA Lead Renovation, his first home with lead-based Repair and Painting Rule made paint since getting certified in Februar y. in April 2008. “I don’t ever want to have to At least 15 Loveland renovasay no I can’t do that because tors and contractors have become EPA certified in lead-safe I’m not certified, but I want to make sure I’m protected too, practices. The certification mandate became effective April because long term my business will be here,� Rasmussen said. 2010, though contractors If contractors or renovators could become certified earlier. The rule applies to areas un- don’t get certified before working on and disturbing the area der renovation that are six square feet or more inside and of a property with lead-based paint, they face fines of ten of 20 square feet outside the home that have tested positive thousands of dollars and possible jail time if found to be willfor lead. fully non-compliant. According to the EPA, most “I can’t afford the fines,� said homes built before 1978 — Terry Lipstein, owner of Acra when lead-based paints were Rebuilders in Loveland, who will banned for residential use — probably get his certification in contain lead-based paint with the fall when he has more time. 69 percent of homes built between 1940-1960 and 87 perThe cost of the certification
JENNIFER LEHMAN SPECIAL SECTIONS REPORTER
A
including the training fee, a fee to the EPA for certification, and the cost of necessary equipment, is keeping some contractors from signing up right away and in an area where there aren’t a lot of older homes, it isn’t necessarily essential to stay competitive. “In April (when the certification enforcement became effective), I had not worked since June of that last year.� For Lipstein, spending the necessary money and taking a day off of work, “sorry, it isn’t going to happen� he said. “It’s expensive, the cost is there,� said Rasmussen, who spent a total of $1,500 for the certification, the necessary vacuum for clean up and special tests kits among other things. “What I’m hearing is a lot of people aren’t going to do it,� Rasmussen said. “I would guess 25 percent (are certified) and I may be high. “To be fair to the EPA, they are trying to protect the kids, they are trying to protect the environment. I do have to say that. It’s just some things get to be kind of ridiculous for the
riggermoral you have to get through to get something done. You basically have to put your project in a bubble. “It will take a little time for it to be more mainstream,� Lipstein said. The main focus of the leadsafe practices are containment of the work area, minimization of the dust with certain work methods and cleaning the area thoroughly. Lipstein and Rasmussen expect projects to take longer and cost more for the consumer. “The homeowner will be charged more, I’d definitely have to past that onto the homeowner, at least 10-20 percent,� Lipstein said. “It takes more time, more effort, more training, more everything. It does effect our bottom line, and its going to get passed onto the customers,� Rasmussen said, “but again, you can’t put a price on healthier kids.� Dust from lead-based paint is the most prevalent form of lead exposure but paint chips and lead in soil are other sources. Lead in dust can make its way
into the home when soil with this dust gets tracked into the house or when dried lead-based paint is disturbed as is likely during renovations or rebuilding. Dust can be passed through hand-to-mouth action putting kids especially at risk if they play on the floor or near window sills with the contaminated dust. The dust can also be inhaled. For children under six, high levels of lead exposure can cause lower IQ levels, learning disabilities and behavioral issues. “I’ve gone into houses where there’s little two year olds crawling around on the floor in a house that was built in 1941; man it scares me,� Rasmussen said. “If there is lead in there they need to handle it properly because those kids are going to be crawling around,� Rasmussen. “It’s basically to protect children, that’s where it’s most devastating — if there’s lead on the property and it’s airborne,� Lipstein said.
H&RE Realtor of the Week
Your Local Family Mortgage Company. Here yesterday, y, todayy and tomorrow.
John “Nose� Mortgages!
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Jeannine “J9� DiGuglielmo
28-315395
A+ Rating
www.familymtgco.com
505 5 E. 4th St Loveland 970.962.4061 27-315817
Keep Your Hard Earned Equity!
F
Flat Fee MLS Listing
$ Michael Nicholson Managing Broker
RE/MAX ALLIANCE LOVELAND Location: 750 W. Eisenhower Blvd. Loveland, CO 80537 Contact:970-689-4824 or J9@homesincolorado.com. Company website is www.J9soldmine.com Designations, Affiliations and Accolades: Graduate Real Estate Information, Realtor member of Loveland/Berthoud Association Years of Experience: 10
199 *FSBO Contract and Closing Service options available
mnicholson@homesavingsrealty.net 970.691.8429 www.homesavingsrealty.net
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rom Jeannine Diguglielmo: â&#x20AC;&#x153;Very recently, my husband Matt and I decided to keep the property management portion of 1st American Properties going and move to a new location, but to close the residential sales portion. I needed to find a way to free up more of my time to continue to do what I enjoy the most, which of course is to give great customer service. I finally found a partner in RE/MAX Alliance. They have a ton of tools, training and programs to offer that will make me an even better agent and will give me even more tools to help my buyers and sellers. Coming from an IT background, I really appreciate their huge commitment to technology. I have listed and sold many many foreclosures and short sales, along with homes as small as $15,000 and as high as $750,000, and I have gleaned knowledge and information from every single transaction. Some have been harder than others, but that just made them even more satisfying when we are all finally at the closing table. I was born in Denver and in 1995 moved first to Fort Collins and then shortly after bought my first home in Loveland. Although my market is mainly in Northern Colorado, I have a very good knowledge of the market and areas south of here up to my home I grew up in southeast Denver, where my parents still live. As I mentioned earlier, my husband Matt is the love of my life. I also have three children, whom I absolutely adore in all their imperfections: Chase, Alyse and Tori Houghton. I am blessed to have a brother and his family here in town and many many other family members close by. I am proud to say that the majority of my transactions are referrals or repeat business and most (if not all) of my clients have become my friends. I thoroughly love what I am doing, and cannot imagine making a living any other way. â&#x20AC;&#x153;
H&RE Property of the Week 7YPJLK MYVT [OL ÂťZ [V [OL ÂťZ ,_[YHVYKPUHY` 3VJH[PVUZ -VY[ *VSSPUZ
764 Beaver Cove Court, Loveland Price: $449,900 Built in: 2006 Square feet: 2,778 not including full unfinished basement of 1,534 Bedrooms: Four Office: One Bathrooms: Four Contact: Dick Link, Century 21 Humpal, Inc., 970-420-5757, missinglink 5757@yahoo.com
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his lovely two-story stucco and stone home is located in the affluent golf community of Mariana Butte near the 27-acre Morey Wildlife Reserve where the new owners of this property can enjoy walks, bird watching and the local natural environment. Warm and open features including vaulted ceilings fill this high-quality home. The kitchen boasts granite countertops, hickory cabinetry and oak floors that extend to the dining room. Laundry access is available in both the main level office and master bedroom that also has a five-piece bathroom. The property includes two water heaters and two Lennox air conditioners and furnaces. The relaxing trex deck features a six-person sunken hot tub.
Saturday Reporter-Herald July 3, 2010 E3
H&RE Real Estate Transactions Real Estate Transactions are supplied by Prospects Unlimited Inc., 1151 Eagle Drive No. 467, Loveland, CO 80537, 667-1537.
Loveland • Henry & Constance Caine from Aspen Homes Colorado Inc, 3413 Hewitt St, Loveland, $202,400, home • Kenneth Smith from Berry Randall J & Nancy E, 3005 Laguna Ct, Loveland, $300,000, home • William Tru from Custom On Site Inc, 1779 Muddy Creek Dr, Loveland, $339,000, home • Janice Blair from Pete A Borba Dairies Inc, 2101 Chama Ave, Loveland, $172,000, home • Jodell Stetson from Sargent Hopi Ruth Moore & David L, 1404 W 40th St, Loveland, $187,000, home • Kaci Baca from Vandesande Stephen J & Gail A, 2457 Kittredge Dr, Loveland, $232,600, home • Mandy Mezzoni from Weimer Donald A & Sherri L, 832 Bayberry Dr, Loveland, $169,900, home • Trent & Jennifer Pratt from Bank New York Mellon, 3747 Whitebark Pl, Loveland, $228,000, home • Vicki & Kenneth Kilmer from Bank America, 108 E 11th St, Loveland, $127,500, home • Seth Clark from Bevill Kenneth W & Tanya C, 634 W 2n St, Loveland, $169,500, home • Donald Willette from Fannie Mae, 3501 Raccoon Dr, Loveland, $120,000, home • Nancy Tally from Fannie Mae, 1064 22nd St Sw, Loveland, $138,000, home • Charles Snyder from Federal Home Ln Mortgage Corp, 778
Milner Ct, Loveland, $260,500, home • Russell Krajec from Hatfield Marc & Leigh, 208 Newell Dr, Loveland, $732,000, home • Marc & Leigh Hatfield from Hendrickson Robert Scott, 5089 Stoneridge Dr, Loveland, $425,000, home • Paul & Rachelle Durha from Hidy Robert D & Diane L, 3225 Westerdoll Ave, Loveland, $390,000, home • Raymond Hale from Lindell Real Estate LLC, 339 E 3rd St, Loveland, $240,000, home • Gregory & Everette Bradshaw from Loveland Midtown Development I, 1927 Sagittarius Dr, Loveland, $180,200, home • Sean & Rosario Berthelette from Marth Lois Kay, 1131 White Elm Dr, Loveland, $179,000, home • Joseph Williams from Mieras John E Jr, 358 Audrey Dr, Loveland, $164,000, home • Frederick & Frederick Geling from Morrill Raymond L & Sheral L, 3118 Blackberry Dr, Loveland, $218,500, home • Wv LLC from Trollco Inc, 6250 Draft Horse Dr, Loveland, $2,640,000, home • William & Suzanne Glover from Blubaugh William L & Karen A, 2503 Bismarck Ave, Loveland, $242,000, home • Perry & Kimberly Williams from Chase Justin A, 239 Reagan Dr, Loveland, $220,000, home • Freeby LLC from Fannie Mae, 1611 W 12th St, Loveland, $126,000, home • Mary Nusser from Kordes Richard D & Sherlyn K, 3213 Valley Oak Dr, Loveland, $584,000, home • D S Read from T T Tire Lov Inc, 1243 N
stown, $194,900, home
Lincoln Ave, Loveland, $175,000, home • Dave & Karen Mccoy from Zinni Peter J, 3360 Westerdoll Ave, Loveland, $335,000, home
Milliken
• Paul & Amy Bustamante from Buenzli Timothy L, 306 S Beulah Ave, Milliken, Estes Park $155,000, home • David & Paula • Yvonne Curran Burr from Farmer from Palomino Rodney R, 1419 Vista Christopher J & RonView, Estes Park, da, 1318 Tiller Ln, $280,000, home Milliken, $176,000, • Robert Ross from home Flagstar Bank Fsb, • Trenton Nichols 970 East Ln, Estes from Lee Grant, 1546 Park, $310,000, home Cattleman Ct, Mil• Melanie Beck liken, $135,000, from Stratton Richard home Thomas & Linda Char, • Joshua & Regina 1861 Raven Ave Unit Kakus from Urban SoD3, Estes Park, lutions LLC, 1294 S $230,000, condo Growers Dr, Milliken, $173,800, home
Johnstown
Windsor
• Suzanne & James Geary from Oakwood Homes LLC, 5121 Ridgewood Dr, Johnstown, $271,400, home • William & Debra Roberts from Alternative Invest LLC, 1849 Chesapeake Cir Unit D, Johnstown, $218,200, condo • Devon & Autumn Maus from Custom On Site Inc, 631 W Park Ave, Johnstown, $278,400, home • Gary & Cyndi Thalman from Deutsche Bk Natl Trust, 331 Granite Way, Johnstown, $174,000, home • Stephen Smith from Kelley Jerry & Tammy, 620 Aviara St, Johnstown, $157,500, home • Katie & Chadwick Keller from Oakwood Homes LLC, 3918 Balsawood Ln, Johnstown, $191,600, home • Matthew & Marjorie Henderson from Oakwood Homes LLC, 3930 Cedarwood Ln, Johnstown, $182,800, home • Gregory & Michelle Ammirati from Public Service Credit Union, 3647 Barnard Ln, John-
• Steven & Suzanne Wapnick from J S Property Ventures LLC, 5934 Woodcliffe Dr, Windsor, $440,000, home • Greg & Heather Hageman from Melody Homes Inc, 1575 Edenbridge Dr, Windsor, $293,900, home • Derek & Sarah Caduff from Torpy Therese Marie, 1006 Glacier Ct, Windsor, $187,000, home • David & Kendra Mosley from Wainscott David E & Holly J, 607 Meadow Dr, Windsor, $220,000, home • Clifford & Leah Buchholz from Bott
Sandra D, 550 Sycamore Dr, Windsor, $172,000, home • Lee & Laura Snowhite from Melody Homes Inc, 552 Edenbridge Dr, Windsor, $284,800, home • Gregory & Mary Coonfare from Richter Keith O & Lylette J, 1123 Valley Dr, Windsor, $218,000, home • Ben Pedroni from Suncrest Invest Property Servi, 571 Dakota Ct, Windsor, $204,700, home • Donald & Maryellen Fairbanks from Jeffries William Charles Jr & Tracy, 740 Pioneer Pl, Windsor, $404,600, home • Jeffrey & Tanisha Herder from Melody Homes Inc, 585 Edenbridge Dr, Windsor, $300,600, home • Ryan & Jennifer Tidwell from Melody Homes Inc, 548 Edenbridge Dr, Windsor, $223,700, home • Michael & Karlee Lucero from Melody Homes Inc, 550 Edenbridge Dr, Windsor, $283,500, home • Daniel & Keri Luedtke from Melody Homes Inc, 609 Wycombe Ct, Windsor, $267,600, home • Eric & Kerri Schmahl from Benningsdorf Bruce C & Kristi L, 1019 Medicine Man Ct, Windsor, $285,000, home • Jesse & Melinda
Hunsberger from George Harper Irrevocable Livi, 1993 Vineyard Dr, Windsor, $450,000, home • Lori Kuzma from Heimes Kirk & April, 606 Cornerstone Dr, Windsor, $220,000, home • Robert Keller from Jones Devin W & Wendy L, 1005 Basin Ct, Windsor, $203,000, home • Landon & Dawn Tarvin from Advantage Bk, 209 Tidewater Dr, Windsor, $429,000, home • Trina Kessinger from Melody Homes Inc, 589 Edenbridge Dr, Windsor, $291,600, home • Paul Pesek from Shrader Joseph, 309 Buffalo Dr Unit A, Windsor, $103,500, condo • Aspen Inc from Hall Windsor Family Partnershi, 55 Veronica Dr, Windsor, $120,000, home • Randall & Millie Meyers from Mchenry Charles L & Phyllis J, 8334 Steeplechase Dr, Windsor, $537,000, home • Lisa Lariva from Pairodocs Properties LLC, 124 Beacon Way Unit F, Windsor, $123,000, condo • Gary & Kristi Greenfield from Rj Rentals LLC, 110 5th Beacon Wy, Windsor, $125,000, home • Seth & Megan
Smith from Swedlund Scott M, 325 5th St, Windsor, $195,000, home • Trollco Inc from Wv Crossing Devl LLC, 350 Crossroads Blv, Windsor, $2,620,500, home • Jeffrey & Cybil Johnson from Zts Const Inc, 624 Shoshone Ct, Windsor, $290,400, home • Jerald & Kathy Hinde from Sage Homes LLC, 632 Yukon Ct, Windsor, $278,000, home • Derrick Perkins from Tri County Holdings LLC, 600 Saratoga Way, Windsor, $235,600, home • Quinten & Tanya Hedlin from Ammirati Gregory J & Michelle, 544 Wycombe Ct, Windsor, $295,900, home • Matthew Ruder from Bk New York Mellon, 412 14th St, Windsor, $170,500, home • Jose Marchesin from Divinity Homes Inc, 1980 Cayman Dr, Windsor, $477,000, home • Anthony Klemt from Kopach Brandi D & Daniel S, 241 Topaz Ct, Windsor, $189,500, home • William Hunter from White Mary P, 1006 Timberline Ct, Windsor, $215,000, home
Billie Myers (970) 481-1883 billiemyers@coloradohomesale.com
750 7 50 W W.. E Eisenhower isenhower
501 Radiant Dr, Loveland
669-1234 669-12 234
view more properties at: www.HomesInColorado.com
Lovely 2 bed/2 bath patio home to warm your soul! New Dream Maker Warm Floor installed in master bath, vaulted open plan, gas fireplace, skylights, large windows, breakfast nook & hardwood floors! Upgrades throughout! $189,900
For home and real estate advice, features and information, visit www.homeandrealtyguide.com
DISPLAY ADVERTISING 669-5050 CLASSIFIED ADVERTISING 635-3650
EDITORIAL INFORMATION 635-3656
NEW NORTHERN COLORADO HOMES
2445 Courtney Dr., Loveland Distinctive Swiss-Chalet style home. NO HOA! Updated Kitchen & Master Bdrm & bath. Fresh paint in & out. Lush back yard w/patio, grape arbor & swing. Double gated RV parking. 4 Bdrm/3 bath, 2 car garage. $204,900 MLS #630821
Jeannine “J9” DiGuglielmo 689-4824
1120 W. 6th St., Loveland
403 E. 8th St., Loveland
Home in good shape. Roomy-retro! Original hardwood floors, close to BTMG & Hillcrest Senior Living Community. Full basement, 4 Bdrm/2bath, ranch style w/1 car attached garage. $180,000 MLS #628720
CUTE Old Town charmer Bungalow with a lot of storage, including easy access unfinished attic area. Large lot, with oversized one car garage and storage shed. 3 Bdrm/1 Bath. $128,000 MLS #631486
Seven Lakes Dr. N. Madison Av.
US 287
www.2128sTaft.com Ranch style home on 1.57 acres. FA Zoning. Bring your horses. Home is being freshly painted, new carpet being installed, bathroom updated. Future possibilities with this property & house. $250,000
Jeannine “J9” DiGuglielmo 689-4824
E 37th St.
E 29th St.
Jeannine “J9” DiGuglielmo 689-4824
Nanci Garnand 227-1327 or 622-1810 Nanci@SellsRealEstate.com www.LivinginLoveland.com
Home & Real Estate is produced every Saturday by the Loveland Daily Reporter-Herald.
OPEN HOUSE SAT. & SUN. 1PM-4PM Jeannine “J9” DiGuglielmo 689-4824
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
D.E. BURNS CONSTRUCTION 970.669.8386
31-314866
Quality • Integrity • Experience • Reputation
Price Reduced!
Julie Stinson Stin 622-1809 622-1
3319 Terry Lake Road, Fort Collins
1949 Hyde Dr Dr., Loveland
Completely updated home w/walk out lower level sitting on 1.3 acre zoned for horses. Remodeled kitchen is chef’s dream w/top of the line stainless steel appliances, including dual-fuel range! 4 Bdrm/ 3 Bath. $489,000 MLS #613772
Close to hospital, bike trail, I-25 and Boyd Lake! This immaculate tri-level features 3 bedrooms, 1 & 3/4 baths, spacious kitchen, large deck, gas fireplace & central air. NEW PRICE $186,000
27-31487
Saturday Reporter-Herald July 3, 2010 E4
H&RE Regional Real Estate Report REGIONAL SNAPSHOT FOR LOVELAND/BERTHOUD ATTACHED DWELLING
REGIONAL SNAPSHOT FOR LOVELAND/BERTHOUD RESIDENTIAL March, 2010
March, 2010
May, 2010
April, 2010
Active Listings Previous Year Active Listings
1099 1099
1126 1069
1117 1080
Active Listings Previous Year Active Listings
Number of Sold Listings
126
138
158
Number of Sold Listings
$234,500 $220,000
$199,900 $183,500
$214,500 $198,000
Median Sales Price Previous Year Median
Median Sales Price Previous Year Median
May, 2010
April, 2010
125 115
139 124
130 118
16
15
20
$150,000 $125,000
$147,000 $150,000
$154,000 $143,500
Average Days on the Market (ADOM) Previous Year ADOM
123 123
105 127
117 125
Average Days on the Market (ADOM) Previous Year ADOM
108 102
121 107
88 102
Year to Date Listings Sold Previous Year YTD Listings Sold
263 231
401 334
559 440
Year to Date Listings Sold Previous Year YTD Listings Sold
36 20
51 37
71 52
$34,334,746 $22,712,094
$34,199,536 $23,882,898
$39,407,269 $24,919,043
$2,475,100 $1,130,656
$2,202,935 $2,522,755
$3,474,824 $2,156,524
Monthly Volume Previous Year Monthly Volume
Monthly Volume Previous Year Monthly Volume
* Updated statistics will be available after the 15th of each month.
GLINK
lender to require you to increase your homeowners insurance or flood insurance coverage upon reFrom Page E1 quest to a certain level. Read the fine print of your loan and see what it says regarding that they do not require this level lender-required coverage. If you of flood insurance. They said they find legalese difficult to interpret, leave it to the discretion of the in- please talk to your real estate atdividual bank. torney and ask for help in evaluatAt the closing, the lender only ing your options. required us to carry flood insurIt’s possible that your lender ance in the amount of the mortmade a mistake initially, and is gage and now that the loan is now trying to correct it. It’s also “signed, sealed and delivered,” possible that your area’s flood stathey are forcing us to increase the tus has recently been redesignatamount we’re carrying. ed, requiring an upgrade of all I feel this is fraud. Is there any flood insurance policies. Flood way to fight it? Please help. area maps have been redrawn through the whole country in the Answer: Let’s start out by saylast couple of years. ing that requiring you to carry a With the help of your attorney, higher level of flood insurance may not rise to the level of fraud. you may be able to negotiate a compromise with your lender reI haven’t seen your loan documentation, but I’m sure there is a garding the flood insurance you’re being required to carry. line in there that allows the
But you’ll need to know more about what your loan documents say before that can happen. If you truly feel as though this is being required for no reason, then your attorney can advise you on your next steps. Some people will purchase the minimum amount of homeowner’s insurance coverage, only to find after a disaster strikes that they are way underinsured. Another mistake some homeowners make is not knowing and understanding the different kinds of insurance policies. Just about all homeowners should buy insurance to cover damage to and the rebuilding of their homes. They should also have insurance to cover their personal effects and contents in their home. However, all insurance policies have coverage gaps. If you live on the West Coast of the United States, you might want to add earthquake insurance
to your homeowner’s insurance chase insurance to cover their coverage. If you live in an area personal effects, and the associaprone to flooding, you’ll want to tion acquires insurance to cover have flood insurance. the building — and that coverage You will need a good insurance should be for the replacement valagent to help you choose the ue of the buildings. right kinds of coverage. You probWith the drop in real estate valably don’t need earthquake insur- ues, there are places in the Unitance if you live on the East Coast ed States where it’s cheaper to but should buy flood insurance if buy a foreclosed home than to reyou live near a stream or river. place it. If you love your home, If you understand these choices, you want to make sure that if you’ll be in a better position to there is a great calamity, you’ll be talk to your lender and underable to rebuild it and continue to stand their request. live in your community. Since you’re buying a condoFor more information, call minium, most Glink’s radio show at condominium 800-972-8255 on Sundays owners rely on from 9 to 10 a.m., write to Real their condominiEstate Matters Syndicate, P.O. um association Box 366, Glencoe, IL 60022 or for insurance covvisit www.thinkglink.com. erage. Usually condominium Real Estate Matters owners only pur-
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SATURDAY 12:00 - 5:00
691 Village Drive, Milliken - New homes star ng in the $130’s, to be built! Spacious ranch with 1475 finished sq. . with 3 bedrooms, 2 baths & 2 car garage. Visit the model at 810 Village Dr or call for a personalized showing!
255 Carina Circle #104, Loveland - Units are loaded w/ granite counter tops, SS appliances, wood floors, vaulted ceilings, fireplace & full basements. HOA covers water, sewer, trash, exterior maintenance & insurance, landscape & snow removal, basic cable, fitness center, clubhouse, pool, hot tub & green belts. More units available star ng at $149,000.
1002 Burrowing Owl Drive, Fort Collins - Popular ranch floorplan! 3 bdrms + a study. Approx 1807 finished sq + an unfinished bsmt. Lots of upgrades thru-out. Tharp maple cabinets, hickory floors, all appliances included + front yard landscaping and rear yard fencing!!
$162,500 MLS#629982
Call Kelli Couch & David Rand 310-8804; 430-9505
$184,702
$299,900
Priced From $324,000
MLS#624039
MLS#626289
MLS#607818
Call Georgena Arne 481-9801
Call Dianne Breneman 222-8549
Call Val Schlageter 217-3464
AN EXCLUSIVE SERVICE OF THE GROUP, INC. REAL ESTATE
Northern Colorado Real Estate Source The Real Estate Source is a magazine produced by The Group featuring homes for sale and new home neighborhoods throughout Northern Colorado. SATURDAY 12:00 - 5:00 939 Snowy Plain Road, Fort Collins - Approx 2496 finished sq + a full unfin bsmt = 3947 total sq . 3 bds + a lo , 3-car tandem garage. Lots of upgrades & fantas c views. Tharp alder cabs, slab granite, dark stained oak floors, oil rubbed bronze fixtures thru-out! Great home at an amazing price!
MLS#626295
Call Ma Thompson 443-9910
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$335,000
TUESDAY - SATURDAY 1:00 - 4:00 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!
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27-314867
UP TO $199,999
$200,000-$299,999
A MUST SEE IN SOMERSET PARK!
PRICE REDUCED- $229,000
$400,000-$499,999 OPEN HOUSE SATURDAY 1PM-3PM
OPEN HOUSE - SATURDAY 1-3
$500,000+ OPEN HOUSE SAT. & SUN. 1-4 TRADES CONSIDERED
604 Gilpin
630 Welch Ave-Berthoud
764 Beaver Cove Ct., Loveland
4618 Tarragon Drive, Johnstown
NEW CUSTOM RANCH - 288 RESERVOIR
Turn Key & well-maintained, Ranch Style home in Somerset Park! Large fenced yard, nice landscaping, 2 car garage, 3 Bedrooms, New roof & paint, storage shed, gardens, all appliances included. A Must See!
3BD, 2BA, 2-story built in 1915! Original hrdwd flrs, enclosed year round back porch, main floor master, alley load 2-car garage, huge well-groomed fully fenced yard & bonus room/bath above garage!
Beautiful stucco/stone 2 story w/warm & open features, elegant hickory cabinetry, granite countertops, oak floors in kitchen & dining room. Main level office & master bdrm w/laundry. $449,900 #631706
Easy access to I-25. 3 Bedroom, 2 bath, wood floors, 3 car garage, covered deck. HOA covers all lawn care. Loveland schools. MLS# 631397 $434,900
Walkout bsmt., open floor plan, panoramic views. In select group of lots. Pittington Ranch. Many upgrades. Must see. W. on Hwy 34, S. on CR 29 to 18E. 2.3 miles to Flat Iron Rd., right to Reservoir.
Kyle Moller Fourstar Realty & Property Management, Inc. 303.996.7786/303.912.7628 www.kylemoller.com www.604gilpin.com
Kathy Burcham 303-775-7429 kathy@berthoudrealestate.com www.berthoudrealestate.com
Dick Link Century 21 Humpal, Inc. 970-420-5757 missinglink5757@yahoo.com
Marta Loachamin Century 21 Humpal, Inc 720-323-5089 Marta@century21.com www.century21humpal.com
LAND FOR SALE OPEN - SATURDAY 12PM-2PM
9500 Prairie Way, Loveland Fantastic 1.80 ac property at Carter Lake. Mobile home on property could be used temporarily until home is built. Less than 1/2 mile to boat ramp and store. Owner financing available. $199,900 #619789
27-315346
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
John Mathey Premier Lifestyle (970) 613-4400 (970) 481-5512
Saturday Reporter-Herald July 3, 2010 E5
Beetle-kill wood being used in home industry the cambium layer (inner bark) of the trees,” Morgan said. The fungus then feeds on tree cells, causes the colors to appear on the ix years ago, Eric Hopkins saw his industry change. As wood, and ultimately results in the tree’s death. the owner of Peak 2 Peak Colorado Forest officials expect Forestry Services in Loveland, he the mountain pine beetle to afhas seen the mountain pine beefect nearly all of the state’s lodgetle alter the state of logging in pole pine trees. The beetles also Colorado. Beetle-kill trees now make up 100 percent of Eric’s in- can affect ponderosa, Scotch and limber pine. According to the Colventory. He is contracted by landowners to remove dead trees orado State University Extension, the mountain pine beetle is native across the front range, which he delivers back to his family proper- to forests of western North Amerity just west of Campion where his ca, and periodic outbreaks are uncle, Royce Hopkins — owner of common. Making the most of the situaTimberline Sawmill, turns it into firewood and lumber for building tion, tree removal operations such as Peak 2 Peak remove the materials. Eric said the beetle kill pine dif- wood and make it available to consumers. Hopkins said he refers from normal pine in that it cently sold tongue and groove has blue, green, yellow, red and panels made of beetle-kill pine for black coloring. The wood is used in a variety of ways, including fur- flooring and siding. A furniture niture, flooring, cabinets, art, fire- maker recently bought some of Hopkins’ wood and used it to crewood, mulch and more. About ate coffee tables, and an artist half of Eric’s harvest sells as fireused it to make picture frames. wood. Hopkins used the wood in his The coloring in the wood is home to make his cabinetry. caused by bluestain fungi, which is present in the hairs of the beeAt Morgan Timber Products, the tle, said Mark Morgan, co-owner wood is used to create rough sawn of Morgan Timber Products in lumber, tongue groove paneling, Fort Collins. fencing material, landscape “Mountain Pine beetles infest mulch and landscape timbers and
JADE CODY SPECIAL SECTIONS EDITOR
S
more. Affected pine is every bit as strong as unaffected pine, he said, because the beetles only burrow into that outside layer of bark. “We use beetle kill wood all across the spectrum in lots of different products, Morgan said. “We use pretty much the whole tree. For a list of beetle kill wood providers in Colorado, along with more information about mountain pine beetles, visit www.coloradoforestproducts.org or www.ext.colostate.edu. For more information or to obtain beetle kill wood, contact Eric Hopkins of Peak 2 Peak Forestry Services at 970-420-5086, and Royce Hopkins of Timberline Sawmill at 970-667-1544. Contact Morgan Timber Products at Royce Hopkins, right, cuts a beetle-kill tree into panels with his 970-484-4065 or visit 2532 Coun- saw mill. Royce is the owner of Timberline Sawmill in Loveland. ty Road 54G in Fort Collins. 27-315316
Mountain pine beetles leave holes in the bark where they have burrowed in.
RH photos/Jade Cody
Eric Hopkins, owner of Peak 2 Peak Forestry Services in Loveland, stands by a load of freshly cut pine trees killed by mountain pine beetles.
saturday
sunday
PRICE
LOCATION
ADDRESS
HRS
OFFICE
PHONE
PRICE
LOCATION
ADDRESS
HRS
OFFICE
PHONE
$162,500
JOHNSTOWN/ MILLIKEN
691 VILLAGE DR
1-3
THE GROUP, INC.
310-8804
$385,400
SW LOVELAND
3448 PERUVIAN TORCH DR
12-3
GLEN MARKETING
663-4522
$184,702
SE LOVELAND
255 CARINA CIRCLE #104
1-4
THE GROUP, INC.
481-9801
$399,750
SW LOVELAND
975 PRISM CACTUS CIR
12-3
GLEN MARKETING
663-4522
$202,000
SE LOVELAND
1250 FINCH ST
10-2
MIRASOL MARKETING 635-5931 GROUP
$895,000
SW LOVELAND
288 RESERVOIR
1-4
PREMIER LIFESTYLE 481-5512
$299,900
FORT COLLINS
1002 BURROWING OWL DR
12-5
THE GROUP, INC.
222-8549
$324,000
SE LOVELAND
4635 TARRAGON DR
1-4
THE GROUP, INC.
217-3464
$335,000
FORT COLLINS
939 SNOWY PLAIN ROAD
12-5
THE GROUP, INC.
443-9910
$385,400
SW LOVELAND
3448 PERUVIAN TORCH DR
12-3
GLEN MARKETING
663-4522
$399,750
SW LOVELAND
975 PRISM CACTUS CIR
12-3
GLEN MARKETING
663-4522
$419,000
DRAKE
9757 DEVIL’S GULCH RD
12:30-2:30 KOSMAN REALTY
214-1910
$469,000
NE LOVELAND
2935 CHALLENGER POINT
1:30-3:30
RE/MAX ADVANCED
310-9026
$895,000
SW LOVELAND
288 RESERVOIR
1-4
PREMIER LIFESTYLE 481-5512
Have a Safe & Happy 4th of July To add a listing or speak to an advertising representative, call the Reporter-Herald at 669-5050
For details about these open houses, see the ads in this section. For additional open house listings, please check the “Real Estate Classifieds” section of this publication. This guide is brought to you by the Daily Reporter-Herald, local real estate agents and area builders.
WWW.HOMEANDREALTYGUIDE.COM •CLICK ON
OPEN HOUSE MAPS
Saturday Reporter-Herald July 3, 2010 E6
H&RE Front Range Gardening Get ready for a picnic with help from a pro CAROL O'MEARA CSU EXTENSION, BOULDER COUNTY
H
osting the family picnic seemed like a good idea months ago, but looking over the struggling lawn, are you wondering what possessed you to say “yes” to this event? With cousins bringing footballs and aunties croquet mallets, what should be a cause for celebration is now a source of panic. If the date is looming while the yard is dying, get it in shape with coaching from an all-pro turf master. With no room for error before your relatives arrive, here are a few tips from one who knows how to handle the punishment a wild bunch delivers to a lawn. “Give it four-to-six weeks and you can have a pretty good lawn,” says Ross Kurcab, Turf Manager for the Denver Broncos, who keeps Invesco Field at Mile High ready for play. “It won’t take a lot of traffic, but it will get you through the event, after which you can plant for recovery of it.” Kurcab shared tricks turf managers use to jump start fields for the big show. His quick fix suggestions aren’t for everyday lawn renovation; instead they’re designed to make you the hero without big league spending. Identify areas needing to bulk up, making sure spots of bare soil, dead grass or weeds are prepped before over seeding. “Don’t plant into a patch of
weeds. Dig them out, rototill them up, or use a weed killer before you seed.” If using a weed killer, check the label to make sure you can seed grass after it’s applied. Remove thick mats of grass or weeds before you plant, then run a core aerator several times across the area, poking a lot of holes into the soil. Rake up the area to rough it before planting. Under a time crunch, choose your grass wisely; not all germinate and establish quickly. Perennial rye is the goto grass of choice for the pros, since it can be coaxed to germinate in a week if temperatures are ideal. For fast results, pre-germinate the seed by soaking it in water for 24 hours. “We put a mesh bag of it into a big trash can of water, soaking it to pop the seed coat. It’ll give you a twoday head start on getting the seed out of the ground,” he said. Once soaked the seed is perishable, so drain the seed after 24 hours, fluff it up and sow it within two days. How you plant is the difference between rookie and pro, Kurcab said, so err on the side of aggression. “People think you just throw it on the ground and it grows, but grass seed needs planting. Get the seed into the soil by spreading it thickly — about five or six per square inch — then sprinkle a half-inch of soil over the top. Seed is cheap, don’t go too light with it; though this is three times the recom-
mended rate for new lawns, we’re doing a quick fix to get you through the picnic.” Rake the area to get the seed into the core aeration holes and break up the cores. Then lightly roll the area to press the seed against the soil (rental firms may have rollers available). Once your seeds are in, water them thoroughly for the first two days, keeping the area slightly squishy. Then water the area three times daily for five minutes for two weeks to keep the top half-inch moist. After the seedlings are up, slowly wean the water away until you’re watering it along with the rest of the lawn. Fertilize it when the seedlings get a half-inch tall with regular strength fertilizer. You’ll need to mow more often to keep fast-growing seedlings even with the mature grass, but no pain, no gain. And it’s a small price to pay for a winning picnic.
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
Tips from a CSU Master Gardener HARRY LOVE CSU EXTENSION, LARIMER COUNTY • Mulch not only helps keep your soil cool and moist, but also prevents soil compaction and improves the soil’s texture. To help prevent weeds, fine mulches should be applied one to two inches deep, while coarse or fluffy mulches should be three-to-four inches deep. • The benefits of core aeration and efficient watering begin to pay off during July’s warmer days. If you did not aerate your lawn this spring, consider doing so this fall to improve the soil and root-growing environment. Core aeration is also a great first step for planting new grass seed in the fall. • Grass clippings that are allowed to fall back onto your lawn decompose quickly and provide a good source of nutrients for the soil. Mulching mowers slice the clippings into tiny pieces and blow them back into the turf. You can achieve the same benefits with a side-discharge mower by mowing frequently enough to remove only one-third of the turf’s total height. Love 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.
Bats: Insect Patrol of the Night ANNE WUERSLIN CSU EXTENSION, BOULDER COUNTY
T 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
Apartments/ Duplexes Unfurnished 4030 All Season Comfort. Garden level 2 bdrm with frpl, W/D hkups. & Free cable TV. Cats OK. Avail now $600/mo. 970-690-5261 So Loveland, 2 BDRM w/ gar, heat pd, no pets. $675 + dep. Call Georgia at Kosmos RE 970-667-8347
Apartments/ Commercial Furnished 4010 Industrial 4040 Kitchenettes. Weekly, monthly rates. Util. pd. Satellite TV, laundry rm. 970-663-0400
Apartments/ Unfurnished 4030
1147 SF Shop + Loft, OHD, 3/4 bath + office. $850/mo. 136-1/2 South Lincoln. 970-663-3493, weekdays before 5pm. 970-663-3228
1 Bdrm, 566 W. 10th, $495/ mo, Cat ok, wall A/C. Approx 800 SF 1st floor rmpm.com 970-669-0842 commercial/office space, Mt Avenue, Berthoud, $700/mo + dep 970-532-2652 1 BDRM + bonus rm, quiet west side loc. No smoking/ pets. $525/mo. Incl water & Best location in Berthoud, heat. 1012 Van Buren, Lvld 350 SF commercial/office 970-663-2341 or 970-667-7309 space, 345 Mt Avenue, $500/mo + dep 970-532-2652 1 BDRM, clean, close to downtown, $450. Refs, no smoke/pets. 970-593-2401 COMMERCIAL BLDG ✭1 BDRM. Gar w/opener, 1220 S. Cleveland $895/mo. 2450 Sq Ft, 1 bath. W/D, DW. No smk/pets. rmpm.com 970-669-0842 $600 incl. Ht, wtr, trash. 970-667-6199 or 231-2566 ✭ No Fri Eve/Sat calls ✭
1 BDRM Mobile home, $550, rent includes utils. Estate Builder 970-667-3400 2 BDRM, 1.5 BA, 1 car gar, W/D hkup, A/C, $750/mo + $700 dep. No smoking or pets. (970)667-2970 or (970)-402-2310 2 BDRM, 1.5 bath. Large unit! $700/mo. + utilities. Avail immed. 970-4816418
Newer 2 BDRM, 1 BA, $575/mo, upstrs, avail. 7/1, 519 E 13 St. 970-689-2497
Garages/Storage Spaces 4070 INDOOR GARAGE & Commercial Storage 20x40 or 20x50 start at $325, 9x29 w/ gar door $200; 10x10 $75; 12x5 $50; 10x5 $40 I-25 & Hwy-66. 970-535- 6074 www.Longmont-storage.com
Houses
4080
6000 SF Retail/Warehouse on Hwy 287. Overhead door. 970-593-2401 or 970-227-7447.
Approx 700 SF 2nd floor 1 rm, Studio+ Vintage apts storage/office, NW corner 0 utils! On-site mgmt. W/D, of Bunyan & 1st, Berthoud, DirTV $333-590 970-219-8162 $575/mo + dep 970-532-2652
1 BDRM- off st prkg in front of main level entry, A/C, coin-op, walk-in closet. $480, 970-669-4382
4060 Houses
Condos/ Townhouses 4050 1400 SF, 2 BDRM, 2.5 BA, 2+ car gar, full bsmt, A/C, upgrades, pool, patio. $1100/Mo. No Smoking. Avail 7/2. 970-420-7256 2 bdrm, 1.5 ba, S Lvld, clean, hdwd flrs, newer appl, $675/mo 970-689-2497 2 BDRM- 4039 Don Fox $1150/mo. On golf course rmpm.com 970-669-0842
EQUAL HOUSING OPPORTUNITY All real estate advertised in this paper is subject to the federal and state Fair Housing Act which makes it illegal to advertise “any preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status or national origin, or an intention to make any such preference, limitation, or discrimination.” 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.
2974 Spring Mtn, $1595/mo, 1⁄2 acre lot, fin basement. Call rmpm.com 669-0842
4080 Rooms For Rent
4130
BANK OWNED- 3 bdrm, 2 bath ranch, new carpet, Fully furnished large paint, appliances, bsmnt. rooms. Laundry, A/C, $179,900. Re/Max Alliance, cable, all util. incl. Wanda Quaid, 970-481-3033 4951 Basswood Dr, 2 Bdrm, $325/mo. (970)227-1585 1 ba, $595, (no pets) Call Hayes at (303)929-2850 Upscale rooming house, great view, incl util, phone/ OWN your own home for cable. $385/mo. 970-622-0077 what you pay in Rent! Lowest rates, Retail Space 4135 $0 - $1000 Down Free Prequalification. OFFICES, RETAIL, Western Plains Realty INDUSTRIAL. UTIL´S A picture is worth Ken or Tammy INCLUDED. 970-744-8763 970-663-5008 a thousand words Try a classified picture ad! Call for details SUPER NICE, 3 bdrm 970-635-3650 home, full fin bsmt, central air, frpl, cov patio, 2 car gar, 2nd build: lg studio work area, 1 car gar, 1402 BANK OWNED, HUD & VA W 11th St. $1500 Estate www.Foreclosures Builder 970-667-3400 InLoveland.com to request a copy of the list! Julie Stinson RE/MAX Alliance 970-622-1809 To ensure you receive the best response to your advertisement, please check your ad the first Mobile/ day of publication. We regret we cannot be Commercial 5030 Manufactured responsible for more than one day´s incorrect BERTHOUD Warehouse Homes/ insertion. Billing with small office, 3000 SF inquiries can be @ 604 2nd St. $200,000 sell Spaces 5130 initiated within 30 days lease. (970)493-7775 of ad expiration. ✭ MOBILE HOMES ✭ BUYING/SELLING Local park needs used mob Farms, Ranches, homes. We´re buying! Big Mobile Homes/ Many single & dbl Acreages 5050 Sale! wides. Fin avl, auto apSpaces 4090 proval on owner fin homes. Bad credit OK! Moves avl. 2 BDRM, 1109 E. 4th, $430/ Farm3 Residence for Sale 970-222-1473 Just 7 ⁄4 miles from Akron. ✭ 690-2725 or 690-3283 ✭ mo. Newer crpt, shed. 5 bedroom home with full Call rmpm.com 669-0842 basement, large living room, large dining room, 2 Mobile Home Sale/Rent bathrooms, library room, Platteville MH, 2 bdrm, ✭ 2 BEDROOM Home ✭ recreation room & storage 1 ba, new flooring. lot rent $575+dep. West Hwy 34. room. A new heat pump, $377. Nice clean park. 970-690-9049 heating & cooling unit was Owner fin, low down. installed in September of 970-215-1819 2009. Approx 11 acres with Move in July for $1!!!! 3 outbuildings : 40x50 steel NO JOKE frame with metal siding & $41,000, 4 Bdrm, 28x80, new Only 3 homes available, metal roof, a 39x64 wood carpet & paint, deck w/ Quick & Easy Approval frame with metal siding & handicap ramp, frpl, lg corLook today, MOVE TODAY a metal roof & a concrete ner lot, seller financing. I25 Call 970-420-8488 wac 50x28 with 3 garage doors & @ Longmont. 303-570-6257 a storage room on the end. NEW HOMES REDUCED! 7 Grain bins are included 3 BDRM, ´03 Mobile home, Don´t miss out on this on the place which could be exc cond, loc in Berthoud. SAVINGS EVENT! Easy $30,000. (303)772-4324 rented out if not needed approval, quick closings & personally. Call affordable payments. 970-345-6750 or 970-554-0603. Tax ID´s welcome. Limited Mountain 5140 availability ACT NOW!! Call 970-420-8488 *wac
✔✔✔✔
Office Space 4100
Longmont
5090 9757 Devil´s Gulch Rd, Drake. Open Sat 12:30-2:30 $419,000, 11 acre horse prop, 5 bdrm, 5 ba, 5000 sf, VIEWS. At Drake take CO Rd 43. Kosman Realty Kathryn (970)214-4910
4060
Roommates Wanted 4120
Lg 2 bdrm, lg fncd yd, exc 3 BDRM, 3 ba, AC. 2 car 3 BD or 2 BD- Free rent! loc, near hosp, w/d hkup, gar, No cats/S 210 Morgan Pets nego. Quiet & spac. gar, wtr/swr 970-308-7387 SW Lvld. $1150 970-222-8163 $625-$695. 970-223-1349
5110
3 BDRM, 903 Ptarmigan, $1325. New crpt, No pets Call rmpm.com 669-0842
2 bedroom/2 bath new patio home, 2 car garage, no pets, 217 Victoria, Berthoud 2 BDRM, 4695 Hahn Peak, $950/mo + dep 970-532-2652 $895/mo, Pool! Patio, Call 2 BDRM, 1 ba, 1st flr, nice, rmpm.com 970-669-0842 near stores, ht/wtr pd, no 3 bdrm, 1.5 ba, lrg fncd yd, smk, cat? $550. 970-227-7026 2 car. $1095/mo.+dep. 2330 GOLF-LEASE W 22nd St. N/P 303-549-5715 2 BDRM, 1 bath- $665 Turn Key, elegant end unit, ALL utilities included! sweeping views. 3 bdrm, 21⁄2 3 Bdrm 1 Ba Ranch-Style Clean and quiet end unit. ba, 2 car. 2400 sf of luxury Home-NW Loveland! Aprox 800sq, all util inc, On-site laundry, close to living. $1250 incl. yd care. Hardwood floors,great 320 Main St Mead, rec center! 970-669-1375 970-530-1017; 218-0841. Aug 1 fenced yard,quiet! $1095 At Old post office, $750/mo drakemanor.com 970-535-4358 or 303-651-7217 970-493-4052 2 BDRM, 1 BA, top floor, no pets, 1157 E 5th St Highly Visible- Prof Office. Check move in special. 2 BDRM, 1110 Highland, 3 BDRM, 2.5 BA, 2 car gar, 920 sf, recep area, grt prkg. $550 FPI 970-663-4664 $695/mo, 1 Car Gar, W/D fam room, rec room, sun- $ 6 9 0 / m o . 9 7 0 - 4 2 0 - 5 7 5 7 2 BDRM, 1 BA, townhouse i n c l , C a l l r m p m . c o m room, frpl, A/C, fenced Sm dwntwn office bldg w/ 970-669-0842 yard, 2400 sq ft, $1300/mo. reception, 3 offices, & 5 offstyle apt. frpl, no pets. 1816 Rolling View Dr. strt prk sp. 970-667-5145 1912 E 18th St. $750 (970)290-4232 FPI 970-663-4664 2 BDRM, 709 Nyssa, $725/ mo. 1 car gar, fncd yard. 3 BDRM, 2 BA, 2 car gar, 2 BDRM- 521 E. 13th Call rmpm.com 669-0842 A/C, hardwd flrs, frplc, No $475/mo. Big kitchen. pet/smoke. $1150 Call rmpm.com 669-0842 (970)443-0594 3 Bdrm, 2.5 ba, 2 car gar, $900/mo + dep. no pets, 3 BDRM/3.5 BA, A/C, fin2 BDRM Townhouse AptROOM FOR RENT ished basement. Wonderful with DW, W/D hkups, patio 970-667-7708 Pets nego, $450/month neighborhood on west side & storage shed. 1408 S. 3 BDRM, 922 E 8th, includes utils. Cable of Loveland. $1,300/mo Douty. (South of HP). $750/mo. Bright! Deck! TV & Hi-speed Pets neg. Available Now! Loveland, CO. No pets. Call rmpm.com 669-0842 internet. (303)548-4332 Call 307-214-7768 $535/mo. 970-667-2571
Duplexes
Loveland
SHARE nice house, $400/mo (970)612-0133
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
Real Estate Wanted 5170 Sell Your House Fast! Quick Sale - Fair Price 720-962-4688
5100 Vacation Properties
5198
2 ACRE LOT, Berthoud area, $40K price reduction, Christie Lodge timeshare $125,000. Call Steve Conder in Avon, 1 bdrm, sleeps 4-6, $10K,1wk/year 970-203-0294. for details, 303-514-3706.
ired of battling backyard pests, swatting and spraying and spending money on insecticides? Instead consider letting bats — your friendly and helpful nocturnal denizens, insect eaters extraordinare, do the work for you. Maligned and misunderstood, bats are clean and gentle animals. Worldwide, they represent almost Brown bat one quarter of all Photo courtesy Paul Cryan, mammalian CSU Bat Physiologist species, live in a multiple of habitats, and are important as pollinators and insect eaters, especially in North America. The bat order Chiroptera (translated: “hand wing”) has anatomical similarities to primates, not birds, with a body like a fuselage of a plane, the head like a cockpit, and the wings similar to the the upper extremity of other mammals. Bats are crepuscular, meaning they are active between dusk and dawn. What is most intelligent and unusual in bats is the ability to picture their environment with sound, a process called echolocation. To locate their prey at night, bats use this specialized form of sonar, bouncing off sounds and receiving echoes with amazing precision. Bat eyes are small but functional, and the ears of bats keen. Echolocation enables them to eat with speed and efficiency. According to Rick Adams of the Colorado Bat Society, a single brown bat can eat up to 600 mosquitoes in one hour. The most common urban bat of the Fort Collins and Loveland areas is the big brown bat (Eptesicus fuscus). Groups of females form maternity colonies which can number in the hundreds, often in buildings and bat houses, where the young are raised communally. These bats especially like to eat beetles, hunt 20-33 feet above the ground, and often have night roosts as well. Come early fall, the maternity colonies disband, the young and parents alike fly elsewhere to hibernate. Other bats species in the settled areas of Larimer County include little brown bats (Myotis lucifugus) and western-small footed bats (Myotis ciliolabrum). Little brown bats are able to roost in a variety of places and are known to forage over areas of open water. Bats with the greatest adaptability for roosting places as well as the type of insects consumed are the most successful. Bats can live in attics and crawl spaces of inhabited buildings, and this is when most human-bat interactions can happen. Bats transmit few diseases to humans, the most serious being rabies, which is extremely rare. Also, bat bugs (Cimex pilosellus) can incidentally bite people. For more information on bat bugs, visit the CSU Extension website at www.ext.colostate.edu and read Fact Sheet #5.574 on “Bat Bugs, Bed Bugs and Relatives.” Once bats are eliminated from a building, the bat bugs die out and cease reproduction. Bats should not be feared. In many cases, they should be protected and encouraged in the home garden. Consider building a bat box as a home project (www.batconservation.org for directions) and enlist these smart animals to stay. Fewer pesty insects, more pollination and a natural balance can be the happy result. Wuerslin 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.