Saturday Reporter-Herald August 27, 2011 D1
Real Estate Matters
www.reporterherald.com • Saturday, August 27, 2011 • Reporter-Herald
Making extra payment will reduce loan term five years ILYCE GLINK TRIBUNE MEDIA SERVICES
Q
uestion: In one of your recent articles, you addressed the point of making one extra mortgage payment a year to reduce the term of a mortgage. Your response states that doing this will reduce the term of a 30-year mortgage by 12 years, which is incorrect. It’s closer to 5 years; term will be reduced to around 25 years. The interest savings over the life of the loan is huge, though. Answer: Thanks for that catch. You are generally correct that making an extra payment each year on your loan will reduce the length of the term of your loan between four and six years. One reason the timeline differs is that the earlier you make a prepayment, the greater your prepayment works for you. But you will also have greater results with a mortgage that carries a higher rate of interest. I ran some numbers on an online mortgage calculator. Let’s assume you buy a house and take out a 30year fixed-rate loan at 7 percent for $200,000. Your monthly payment would be $1,330.60. If you made one extra payment per year, you’d pay off the loan in 24 years, saving six years of payments. But what happens when you get the same loan at 4 percent? Your monthly payment is just $954.83, a savings of nearly $400 per month. But if you make one extra payment per year, you’d pay off the loan in 26 years, saving only four years of payments. Why is that? It turns out that the lower the interest rate on the loan, the less effective it is to prepay your mortgage. You’re paying less interest overall (which is good), but you can’t make the numbers work quite the same way. If your monthly mortgage payment to your lender includes an amount equal to your real estate taxes and insurance, you will accelerate the prepayment of your loan. That’s because instead of making one extra payment, it may be as much as two or more. For example, if you made an extra annual payment of $1,900 (or roughly twice the regular payment) on the 30-year $200,000 loan at 4 percent, you’d save seven years of payments rather than just four. If you made a $2,700 extra payment (three times the regular payment), you’d pay off your loan in 21 years. But if you had the same $200,000 loan at 7 percent, and you made a $2,700 extra payment each year (which is just twice the $1,330 monthly payment), you’d also bring down your loan term to 21 years. Again, having a higher interest rate makes prepaying work better. I should have clarified that point in the prior article. Thanks for your comment.
Milestone for
Oakwood Homes PAID ADVERTISEMENT
Amid its 20/20 promotion, Oakwood Homes is nearing 10,000 homes sold in Colorado. family in personalizing their home.” Through September 5, Oakwood’s Gilpin model will be on display as part of the Parade of Homes. Being a unique, open floor plan, it’s definitely a big hit for buyers in Thompson River Ranch with 1,531 finished square feet above ground and up to five bedrooms and four bathrooms with a basement starting as low as $171,300. With four homes currently available for quick move-in, two of them are Gilpins. Both priced in
the low $200s, it’s a spacious yet affordable choice even compared to resale homes so visit them this weekend for the Parade of Homes to see it and the other models open to view. Contact Mike Welty or Dwayne Montoya at 970-669-9801 for additional information on the community. You can find more information on Thompson River Ranch or start building and personalizing your home today at www.OakwoodHomesCO.com.
lected previously, while others prefer the more affordable route and pick hen you look across Thomp- choices they would have added reson River Ranch, you can gardless.” These choices allow every see over 300 homes in this family to truly have the exact home continually fast growing community. they want. “It’s completely up to the From its location, it’s easy to get to from anywhere in Northern Colorado. Easy access has been a huge draw for families through Loveland, Greeley and Fort Collins since it is right in the middle at Interstate 25 and U.S. Highway 34. Thompson River Ranch was opened in 2006 and now has nearly 300 homeowners five years later. With the fast growth of the community, it has helped Oakwood Homes to soon close its 10,000th home in Colorado and ready to build many more starting in Loveland with their 20/20 promotion this weekend. The promotion, which was a big hit through August (nine sales in August alone), was extended through September 20 especially for this milestone, which they plan to reach by the end of August. For those that missed its first offering, it gives every buyer 20 points (for Oakwood’s 20 years of building homes) to use toward a large list of point-designated choices to put into their home for free. Whether it’s upgrading your kitchen, adding a spa bath or simply having closing costs covered, the control is in your hands as to what items on the list Oakwood will include for free. “Buyers fall in love with the area as soon as they visit, so the 20/20 promotion has been an added bonus,” said Dwayne Montoya, community manager for Oakwood Homes. “Some buyers enjoy being able to add choices they wouldn’t have se— Dwayne Montoya, community manager for Oakwood Homes
W
“Buyers fall in love with the area
as soon as they visit, so the 20/20 promotion has been an added bonus.”
Buying a home that needs work? Call the experts in FHA 203(k) renovation financing. An FHA 203(k) mortgage allows you to finance both your home purchase and renovation with a single loan. Call now to learn more. Vivian DeVoe, VP Mortgage Banker, 970-227-4702 Loans and rates subject to credit approval. FHA conditions and restrictions apply.
www.HomeStateBank.com
(970) 203-6100 Think big
Bank small
D2
Saturday Reporter-Herald August 27, 2011
Featured Properties $200,000 - $299,999
UP TO $199,999 OPEN SAT. 12-4 PM & SUN. 11-3 PM
OPEN SATURDAY 1 PM - 4 PM
OPEN SUNDAY 1-4 PM
SALES OFFICE OPEN SATURDAY 1 - 3 PM
Peakview Meadows, Berthoud
3780 Larkspur Dr., Loveland
3780 Larkspur Dr. - Loveland
Warberg Farm at Chapman Reservoir
Peakview Meadows Sales office open Friday & Monday from 1-4, Sat 12-4 and Sunday 11-3 Prices starting at $195,900. 5 Models to choose from.
Check out this all-redone home in a great neighborhood! Granite counters, new carpet, paint, A/C and so much more! 3 BR, 2 baths, and room for more in 4th level. Seller wants offers!
Brand new inside finishes w/ granite counter tops in kitchen, stainless steel appliances, new paint throughout, new carpet, new garage door opener, fresh exterior paint/trim and more. Stop by and see.
OPEN Saturday 1-3 PM 2+Acre Lake front & horse lots starting $225,000 water tap included. Surface rights, walk paths, parks, boat docks, fishing and peace garden.
Betsy Gammill-Hayes Cliff Johnson Team Coldwell Banker 719-250-5916 bghrealtor@hotmail.com bghrealtor@hotmail.com
Charlene Hart 970-690-4413 Cellular hart2427@gmail.com cliffjohnsonteam.com
Kurt Albers & Chris Rampone Century 21 Humpal, Inc 970-231-1224 Kurt 970-430-0845 Chris www.berthoud.org
$500,000 +
$300,000 - $399,999 OPEN THURSDAY - SUNDAY 1 - 4
OPEN SAT & SUN 1:30 - 3:00 PM
Ursula Albers Century 21 Humpal, Inc. 970-231-0548 Ursula.Albers@century21.com
OPEN HOUSE SUNDAY 1 - 4 PM
OPEN SUNDAY 1 - 3 PM
2175 Rio Blanco Ave, Loveland
27847 Arikaree Rd, Loveland
3402 Creede Court, Loveland
728 Beaver Cove Court, Loveland 80537
Quality you have come to expect from Keirns Construction. Double oven, separate cook top, Frigidaire appliances, granite counters,raised panel cabinets, custom fireplace, 5 ps master baths’s and more.
Great 1 acre property in Indianhead Estates on corner lot with 3 car attached garage PLUS separate 2 car/shop! Room for your RV’s & room to expand for additional garages! Like new home. $379,000.
A spacious new ranch w/a WALKOUT bsmt. Inviting open kit/dng/great room area, main lvl laundry. Blt for energy savings, 2x6 const, UPGRADES thru out. Quality built by Weinland Homes in Quail Run.
New carpeting, a fully finished basement, first- floor master suite, with separate vanities, many upgrades throughout home using the best of everything. NOW $699,000!
Charlene Hart 970-690-4413 cliffjohnsonteam.com
Maurine Garretson Coldwell Banker Plains Real Estate, Inc. 970-396-9597 maurinegar@aol.com www.coldwellbanker.com/local/plains
Cory Roberts Premier Lifestyle Realty (970) 215-9913 plrealty@qwestoffice.net
Gayle Schink Prudential Rocky Mountian, REALTORS 970-215-4771 gschink@prurmr.com www.prudentialrockymountain.com
Visit our website at homeandrealtyguide.com
Online + Print = a Powerful Combination!
saturday
sunday Price
Location
Address
Hours
Office
Phone
From the $140,000’s
Loveland
43rd St & Wilson Ave., The Cottages at Enchantment Ridge
12 - 5 PM
Cottage Realty, Team Cook
970-532-5900
Price
Location
Address
Hours
Office
Phone
From the $140,000’s
Loveland
43rd St & Wilson Ave., The Cottages at Enchantment Ridge
12 - 5 PM
Cottage Realty, Team Cook
970-532-5900
From the $150,000’s
Milliken
110 Traders Lane
12 - 3 PM
The Group Inc., Tracy Wilson
970-567-0907
From the $150,000’s
Milliken
110 Traders Lane
12 - 3 PM
The Group Inc., Tracy Wilson
970-567-0907
From $159,900 $229,000
Loveland
1899 East 11th Street
10 AM - 6 PM
Midtown Homes, Wayne Lewis
970-456-4600
From $159,900 $229,000
Loveland
1899 East 11th Street
10 AM - 6 PM
Midtown Homes, Wayne Lewis
970-456-4600
$169,900
Loveland
4403 Elliot Pl.
12 - 5 PM
Cottage Realty, Team Cook
970-215-0515
$179,000
Loveland
1459 Cattail Drive
1 - 3 PM
970-566-4626
$167,900
Loveland
4331 Filbert Drive
1 - 3 PM
The Group Inc., Nancy Walkowicz
970-461-7136
The Group Inc., Debbie Guinn
Starting at $195,900
Berthoud
Peakview Meadows
11 AM - 3 PM
Century 21 Humpal, Inc., Kurt Albers, Chris Rampone
$169,900
Loveland
4403 Elliot Pl.
12 - 5 PM
Cottage Realty, Team Cook
970-215-0515
970-2311224, 970430-0845
Starting at $195,900
Berthoud
Peakview Meadows
12 - 4 PM
Century 21 Humpal, Inc., Kurt Albers, Chris Rampone
970-2311224, 970430-0845
292 Saratoga Drive
1 - 4 PM
The Group Inc., Jim Watson
970-219-5219
The Group Inc., Jim Watson
970-219-5219
Open Friday - Sunday Windsor from the $200,000’s
292 Saratoga Drive
1 - 4 PM
$200,000 - $299,000
Loveland
Warberg Farm At Chapman Reservoir
1 - 3 PM
Century 21 Humpal, Inc., Ursula Albers
970-231-0548
$200,000 - $299,000
Loveland
3780 Larkspur Drive
1 - 4 PM
Coldwell Banker, Cliff Johnson Team, Betsy Gammil-Hayes
719-250-5916
$239,900
Loveland
4496 Hayler Ave.
12 - 5 PM
Cottage Realty, Team Cook
970-532-5900
$263,000
Loveland
1658 Stove Prairie Circle
1 - 3 PM
The Group Inc., Maribeth Bergan
970-690-1735
Open Friday - Sunday Windsor from the $200,000’s $200,000 - $299,000
Loveland
3780 Larkspur Drive
1 - 4 PM
Coldwell Banker, Cliff Johnson Team, Charlene Hart
970-690-4413
$219,900
Loveland
4782 Dillon Ave.
12 - 4 PM
Cottage Realty, Team Cook
970-532-5900
$224,900
Loveland
503 Kathryn Court
1 - 3 PM
The Group Inc., Diana Luthi
970-481-2692
$233,000
Loveland
2063 Calhoun Court
12 - 3 PM
The Group Inc., Scott Mullen 970-690-8333
$239,900
Loveland
4496 Hayler Ave.
12 - 5 PM
Cottage Realty, Team Cook
970-532-5900
$264,900
Berthoud
Collins Park Subdivision
1 - 3 PM
RE/MAX Alliance, Kathy Beadell
970-566-4627
$287,296
Windsor
4607 Pompano Drive
12 - 5 PM
The Group Inc., Kristen Specketer
970-290-8097
$298,664
Loveland
4355 Ridgway Dr.
12 - 5 PM
Cottage Realty, Team Cook
970-227-3893
$299,900
Loveland
1920 New Hampshire St.
12 - 5 PM
Cottage Realty, Team Cook
970-227-3893
$299,900
Loveland
4454 Stump Ave.
12 - 5 PM
Cottage Realty, Team Cook
970-532-5900
$264,900
Berthoud
Collins Park Subdivision
1 - 3 PM
RE/MAX Alliancel, Kathy Beadell
970-566-4627
Open Thurs. - Sun., from $300,000 $399,000
Loveland
2175 Rio Blanco Ave.
1 - 4 PM
Coldwell Banker, Cliff Johnson Team, Charlene Hart
970-690-4413
$287,296
Windsor
4607 Pompano Drive
12 - 5 PM
The Group Inc., Kristen Specketer
970-290-8097
$300,000’s
Loveland
3402 Creede Court
1 - 4 PM
Premier Lifestyle Realty, Cory Roberts
970-215-9913
$298,664
Loveland
4355 Ridgway Dr.
12 - 5 PM
Cottage Realty, Team Cook
970-227-3893
$300,000’s
Loveland
4495 Ridgeway Drive
1 - 3 PM
The Group Inc., John Simmons
970-481-1250
$299,900
Loveland
1920 New Hampshire St.
12 - 5 PM
Cottage Realty, Team Cook
970-227-3893
$315,000
Loveland
2469 Indian Hills
1 - 3 PM
The Group Inc., Cindy Kurtz
970-962-6832
$339,900
Berthoud
1723 Wales Drive
12 - 3 PM
RE/MAX Alliance, Lisa Moore
970-566-4629
$347,900
Loveland
920 Norway Maple
1 - 3 PM
The Group Inc., Rich Gardiner
970-227-0964
Open Friday - Sunday Loveland from $357,000
302 Lyra Place
1 - 3 PM
The Group Inc., Georgena Arnett
970-481-9801
$379,000
Loveland
27847 Arikaree Road
1:30 - 3 PM
Coldwell Banker Plains Real Estate, Inc.,Maurine Garretson
970-396-9597
$299,900
Loveland
4454 Stump Ave.
12 - 5 PM
Cottage Realty, Team Cook
970-532-5900
Open Thurs. - Sun., from $300,000 $399,000
Loveland
2175 Rio Blanco Ave.
1 - 4 PM
Coldwell Banker, Cliff Johnson Team, Charlene Hart
970-690-4413
$339,900
Berthoud
1723 Wales Drive
12 - 3 PM
RE/MAX Alliance, Lisa Moore
970-566-4629
$347,900
Loveland
920 Norway Maple
1 - 3 PM
The Group Inc., Rich Gardiner
970-227-0964
Open Friday - Sunday Loveland from $357,000
302 Lyra Place
1 - 3 PM
The Group Inc., Georgena Arnett
970-481-9801
$379,000
27847 Arikaree Road
1:30 - 3 PM
Coldwell Banker Plains Real Estate, Inc., Maurine Garretson
970-396-9597
The Group Inc., Tracy Wilson
970-567-0907
$379,945
Loveland
Loveland
4790 Wisconsin Avenue
12 - 3 PM
To add a listing or speak to an advertising representative, call the Reporter-Herald at 669-5050
$379,945
Loveland
4790 Wisconsin Avenue
12 - 3 PM
The Group Inc., Tracy Wilson
970-567-0907
$437,500
Windsor
6787 Spanish Bay Drive
1 - 3 PM
The Group Inc., Nancy Maus
970-213-0554
$439,500
Loveland
2096 Vista Drive
11 AM 12:30 PM
The Group Inc., Nancy Maus
970-213-0554
$450,000
Loveland
2009 Morning Drive
12 - 2 PM
The Group Inc., Jesse Laner
970-672-7212
$625,000
Loveland
3015 Challenger Point
1 - 3 PM
RE/MAX Alliance, Jennifer Kelly Team, Rich Johnson
970-310-7223
$699,000
Loveland
728 Beaver Cove Court
1 - 3 PM
Prudential Rocy Mountain REALTORS, Gayle Schink
970-215-4771
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 August 27, 2011 D3
Home & Real Estate is produced every Saturday by the Loveland Reporter-Herald. EDITORIAL INFORMATION 635-3656 DISPLAY ADVERTISING 669-5050 CLASSIFIED ADVERTISING 635-3650
Regional Snapshot for Loveland/Berthoud Residential
Mortgage rate update 30-year fixed
This week Last week Trend
May
June
July
Active Listings Previous Year Active Listings
1004 1117
973 1101
938 1092
126
155
134
$200,000 $214,500
$220,000 $234,000
Average Days on the Market Previous Year ADOM
107 118
121 121
103 122
Year to Date Listings Sold Previous Year YTD Listing Sold
521 559
676 728
810 839
4.19%
4.19%
no change
15-year fixed
3.43%
3.43%
no change
5/1 ARM
2.92%
2.92%
Sold Listings
no change
Median Sales Price Previous Year Median
For home and real estate advice, features and information, visit www.homeandrealtyguide.com
H&RE Real Estate Matters
How servicers profit from delinquent borrowers
ILYCE GLINK TRIBUNE MEDIA SERVICES
loan modification, paying less than they originally owed, for months or years while the investor is deciding what to do. All the while, the fees add up. uestion: I read your article about a My article did not address the issue of stymied mortgage modification in my whether the servicer or the investor that owns local paper, and I, too, am appalled at the loan will make money once the loan moves the treatment many borrowers receive in the through the court system and goes into foremodification process. closure (they may not). My point was that if the Most of the large lenders simply have not borrower pays the fees and is able to get curstaffed their servicing departments with rent on his loan, the servicer and the investor enough knowledgeable people to handle the have increased the amount of money that has overwhelming volume of requests coming in. I come in from that loan. think much of the poor service is related to These days, it seems that companies are that rather than the loan servicers’ desire to making more money on additional fees and excheat customers or push their homes into fore- penses than on the price of the product. closure. I appreciate that you believe that your emI would like to know the reasoning behind ployer, a national loan servicer, has been unable your statement in the article relating to serto hire and maintain qualified people to service vicers of loans making more money when a the wave of people seeking loan modifications loan goes into default than when a homeowner and assistance. But if the bank felt that it is current on a loan. would make more money modifying loans than I work for a large national lender that is in foreclosing on those borrowers, your employer the business of servicing loans, and I know for a would have put enough resources into servicing fact that we do not make way more money loan modifications almost three years after the when a property goes into foreclosure. Maybe I housing crisis started. did not read the quote correctly or I’m missing Finally, if you are right — that lenders are something. not making money on the borrowers they serAnswer: Thank you for your comment. Since vice that are severely delinquent and in danger you work for a loan servicer, you know that of foreclosure, but rather that they would make when a borrower makes payments on time, he more money by modifying their loans and or she provides your company with a stream of keeping them as non-defaulted customers — income over the life of the loan that is conthen shame on them for failing to hire, train stant. and maintain adequate staff to process the paHowever, once a borrower is delinquent on perwork needed by their customers. his or her payments, or goes into default, the Question: We refinanced and took money borrower will have to pay late fees and, depend- out of our home in 2005 with a Texas home eqing on the circumstances, other costs to keep uity loan at 7.5 percent. Whenever I have asked the loan from going into foreclosure. These about refinancing with any one of numerous fees are substantial and add up pretty quickly. mortgage companies, I have been told that any Experts in your industry have told me that refinance would have to be a Texas home equity those fees have become a significant source of loan and the interest rate would be higher than revenue for loan servicers. In most residential the lower rates advertised for mortgages. mortgages, standard loan documents provide I talked to a representative from a big box for the lender to bill the borrower 5 percent of lender, and she called it a consumer loan and the monthly mortgage payment for any paytold me that if we tried to pay money toward ment that is late. the principal, it would not shorten the term. If a borrower has a $150,000 loan with a The payment would only be reduced. I paid monthly payment of about $1,000, a late-pay$1,000 toward the principal and for the next 3 ing borrower will have to pay that loan servicer months our payments went only to interest. an additional fee of $50. If that borrower’s inPlease help me understand this situation and terest rate is about 7.5 percent, and he or she how I can change it in any way. We still have 15 is five years into the loan, the monthly payment years on the note and we owe about $100,000. is made up of an interest payment of about I hate this situation. $810 and a principal payment of about $190. Answer: When you refinanced back in 2005, The net effect is to raise the interest payyou took out a home equity loan rather than ment for that borrower while he or she is in default by 5 percent to about 12.5 percent. That is an increase in the amount owed the servicer by the borFor more information, call rower. On top of that, there are other Glink’s radio show at fees that may be added that may 800-972-8255 on Sundays need to be paid by the borrower. from 9 to 10 a.m., write to Real I want to be clear that when I was Estate Matters Syndicate, P.O. talking about default, I was talking Box 366, Glencoe, IL 60022 or about borrowers who are not current, visit www.thinkglink.com. who may be quite delinquent in their payments, but who are not yet in foreclosure. They may be in a trial
Q
obtaining a traditional mortgage. It may have been that it was easier for you to obtain the Texas home equity loan at that time. In any case, it appears that Texas has quite a number of specific rules relating to how and when you can take out a home equity loan. The maximum amount you can take out in a Texas home equity loan is 80 percent of the home's value. You may have taken less than 80 percent when you refinanced in 2005, and the key for you now is to find out what the rules are for you to refinance out of the Texas home equity loan into a traditional mortgage. It may be that your loan balance has to go down by a certain percentage before you qualify to refinance your equity loan. You may also need quite a bit of home equity (the difference between what you owe and what your home is worth). If the ratio of the loan amount to your home value is low, you should be able to find a lender
NORTHERN COLORADO HOMES
to assist you. However, if your loan value is quite high relative to your home's value, you might have to offer to pay down some of the debt in order to refinance the loan into a traditional mortgage at today's low rates. The big box lender was telling you that you might be able to get a mortgage with them if you came up with cash to refinance. If you owe $100,000 on your Texas home equity loan, you might have to pay $20,000 to get an $80,000 mortgage. The numbers will depend on what you owe on your equity loan, the value of the home and the amount you want for a new loan. If you refinanced in 2005 when your home value had gone up substantially, and if now your home's value has gone down, it might not be possible to refinance out of your current loan. Talk to a lender you trust. If you trust the person at the big box lender, talk to that person again and ask more questions so that you understand what the lender will require to approve a new primary loan for your home. From what we can tell from your letter, the information you've received about your Texas home equity loan appears to be accurate. Equity loans are frequently treated differently than mortgage loans — in particular, the manner in which interest is processed. Texas has stringent lending rules, which has allowed it to escape some of the damage caused by the recent housing crisis. We haven't looked at your documents, so we can't know for sure. If you have questions about the legality of your loan, or if you need someone to explain what your documents mean and what limitations you face with regard to refinancing your loan, please consult with a real estate attorney or a trusted mortgage loan officer.
Cindy’s Featured Listings
Cindy Kurtz
5008 Saint Andrews Drive • Loveland $119,900
3555 Capitol Peak Drive • Loveland $350,000
Don’t miss your chance at one of the last lots on Loveland’s prestigious Mariana Butte Golf Course. This lot backs to the 9th fairway. Enjoy great mountain views as well as abundant wildlife. Bring your own builder. MLS# 653295
Gorgeous ranch style home, rich wood floors adorn the entry, kitchen and eating areas. Alderwood cabinetry in the spacious kitchen and butler pantry area. Private master bedroom has large walk-in closet and luxurious 5 pc bath. The full unfinished basement is garden level which provides lots of light. Outdoor living includes large deck, new installed stamped concrete patio and gas line for BBQ. MLS# 659371
3375 Westerdoll Avenue • Loveland $330,000
935-937 Douglas Avenue • Loveland $185,000
970-613-0700 office
970-679-1545 office direct
970-962-6832 mobile
Bright and sunny ranch style home. Great price for desirable Seven Lakes neighborhood. Vaulted ceilings, large kitchen, 3 bdrm and office. Cozy fireplace upstairs and gas stove frpl in basement. Basement is partially finished. Lovely lot that backs to greenbelt and has mountain views. Large patio with Pergola. MLS #662455
Real Estate Matters
NEW
$208,958 $238,000
All brick duplex that backs to park. Open floor plan with 2 large bedrooms, updated baths and a large eat-in kitchen. Both sides are currently rented and have good rental histories. Each side has separate back yards. MLS# 652253
www.thegroupinc.com
Loveland, Colorado • $3,000 BUYER CREDIT NEW HOMES MONTHLY PAYMENTS FROM • STARTING AT $999 $159,900 - $229,900 • OVER 10 MODELS • CONNECTED TO CITY TRAIL
GREAT VALUE GREAT COMMUNITY GREAT LOCATION
New Construction
Sales Office Open 10-6 Daily
1899 East 11th Street, Loveland, CO 80537 Phone: (970) 456-4600 info@newmidtownhomes.com www.newmidtownhomes.com 17-326536
FHA Approved Community
Priced from $210K
Priced from $270K
www.CosBuilders.com
Megan Wachtman 8z Real Estate Broker/Owner
970-217-7977
www.MeganWachtman.8z.com www.cohomefinder.com A better way to buy and sell a home in Colorado!
D4
Saturday Reporter-Herald August 27, 2011
H&RE Front Range Gardening
Vegetables can still be planted before the arrival of frost
Renovate thin lawns
ALIE RICH CSU EXTENSION
CAROL O'MEARA CSU EXTENSION
Q
P
aying house calls on sick lawns has taught me a lot about life. Mostly, I’ve learned that my father was right when he told me to go into a job like computers, where I could earn a decent wage staying indoors where it’s air conditioned. But like most children, I didn’t listen, and now spend many days under the broiling sun sleuthing out the cause of grass problems. In case anyone has missed the past month and a half, it’s hot outside. The heat and dry weather has lawns checking out for the season. And the huge brown spots that grew in yards has people thinking of renovation as September draws near. If your lawn looks as if it’s a wellworn rug and underwhelms the neighbors every year, consider a lawn renovation. In combination with good lawn care practices, renovation can improve the density of grass in your lawn without a lot of expense. And now is the time for fall renovation. Cool-season turf grass (bluegrass, ryegrass, fescues) planted as sod in the fall should be watered during the winter to keep it from drying out. To develop a root system, the sod should have at least six weeks before the ground freezes to anchor it. But even with this six week window, the root system won’t be adequate to keep the grass healthy in winter, so winter watering is crucial to maintaining moisture in the sod and underlying soil. Winter water only when temperatures are above 45-degrees and there is no snow on the ground, letting the water trickle into the sod and soil. Resist the temptation to speed-water the lawn, so puddles and ice don’t form on the turf surface. Water deep and often — this may mean dragging out the hose watering every two to three weeks if we’re in a bone dry winter. If you’re planning to seed in a new lawn, or over-seed into bare spots, plan to get it down early and keep an eye on the weather. Seeding after the first fall frost is not recommended, as
throughout the summer until mid-September. Roots sown in September will be ready to harvest in November. However, haruestion: I don’t want to vests may be delayed even longer bring it up, but fall is on in the cooler months if roots are its way. Are there vegetakept in the ground and are covbles I can plant that will mature ered with extra soil, a heavy layer in time before frost? of straw or a thick rug. Answer: It seems crazy to start • Brassicas such as Bok Choy, thinking about planting fall crops cabbage, cauliflower, brussel just as our spring planted crops sprouts, broccoli and kohlrabi are are reaching maturity. Besides harvesting our bounties, there are best started indoors in June or July and planted outdoors in Aumillions of weeds to be pulled, gust or September. You may still flowers to be deadheaded and we are all making sure our plants are find some seedlings at local nurseries. Plants sown in September getting the water they need durshould be ready to harvest in ing these hot days. But, yes, it is November depending on temperatime to start thinking about tures and size of seedlings plantplanting for fall. Here are some things to keep in ed. Most brassicas can withstand light frosts with little damage. mind to ensure you will be reaping the rewards of fall planted • Pea seeds germinate best at crops well into the cooler months. soil temperatures of 50 to 77 deFirst off, it’s time to pull up grees and will emerge in six to 14 those early season plants that days. Fall plantings of peas can have passed their prime. The bolt- thrive or fail depending on fall ed lettuce, shriveled up pea pods temperatures. For best results, and broccoli are ready to be choose a variety with the lowest pulled to make room for the new. days to harvest. Some gardeners Put old, tired plants in your com- say they have better luck with post pile (unless diseased), then bush peas rather than traditional aerate and replenish the soil by climbers for a fall crop. forking in some compost and or• Swiss chard, kale, collards, ganic fertilizer. Rake the surface Asian greens, spinach and all smooth — now you’re ready to kinds of salad greens can be resow something new. planted in August or September For good, late-summer germifor fall harvest. Shade new nation, it is important to keep the seedlings from the late summer soil surface from drying out. You heat. As temperatures cool, remay have to provide some shade move the shading so they get with the use of wire hoops or good sun and set up a shelter shade netting. The natural shade from the frost. Some greens, like from a trellis or tall plant can kale and collards, can be harvestprovide a good spot for seeding a ed well after the first frost. Harsecond crop. vest as needed until the foliage fiThe average first killing frost nally succumbs to cold weather. happens in Colorado during the first two weeks of October, but Alie Rich has received training can come as early as the first week of September. So it is impor- through Colorado State University Extension’s Master Gardener tant to select plants that will reach maturity in 50 days or less. program and is a Master Plants that thrive in Colorado Gardener volunteer for Larimer County. For more information fall weather include: • Root crops including carrots, about CSU Extension, Larimer beets, turnips and radishes can be County, call 970-498-6000 or directly sown into the ground visit www.larimer.org/ext.
er program in Boulder County is curyoung seedlings may be winterkilled. If you delay and we get frosty early, rently taking applications for the wait until next spring to seed. spring class. If you are interested in helping others garden, the Colorado In the area you want to renovate, eliminate problems before they spring Master Gardener program is for you. up by killing off any weeds and undeClasses run January through March sired grass. Once they’re dead, mow and will be held every Friday, 8:30 and remove as much of the dead a.m. to 4 p.m. Please contact the Colplants as possible, and remove thatch orado State University Extension Ofas well to expose the soil. fice in Boulder County, at 303-678To get the best results from over6238, to receive an application. seeding, water the lawn 24 hours before aerating. Pass the aerator over the turf in two to three directions to open up many holes. Carol O’Meara is with Immediately over-seed with the CSU Extension in grass of your choice, but in genBoulder County. eral, tall fescues do not blend well with bluegrass, perennial Contact her at rye or fine fescue because of its 303-678-6238 or wide grass blades. Grass seed comeara@co takes a while to germinate, so .boulder.co.us. keep humidity on the lawn for 14 to 21 days. Front Range Gardening Our Colorado Master Garden-
Open Houses This Weekend - www.thegroupinc.com NEW CONSTRUCTION
SATURDAY & SUNDAY 12:00-3:00
110 Traders Lane, Milliken Pick your own ďŹ xtures, carpet & colors. Wonderful ranch style & 2-story home plans to choose from. Your choice of 3 great subdivision to live in – Settlers Village – Colony Point or Centennial Farms. VALUE YOU CAN SEE‌ QUALITY YOU CAN COUNT ON with a WINDMILLS HOME. Visit us at 110 Traders Lane in Settlers Village.
SUNDAY 1:00-3:00
1459 Cattail Drive, Loveland Great home for 1st time buyer or investor. Located in Southwest Loveland, convenient to shopping and schools. 3 bedrooms, 2 baths and a 3-car garage. Nice landscaping. Lots of storage in the heated/air-conditioned garage. 8x10 shed in back.
$167,900
$179,000
Call Tracy Wilson
Call Nancy Walkowicz
Call Debbie Guinn
567-0907
BACKS TO GREENBELT!
SUNDAY 1:00-3:00
SATURDAY 1:00-3:00
4331 Filbert Drive, Loveland 3bd, 2ba, 2car garage. Ranch style home tucked away for privacy. Xeriscaped front yard. Back deck offers incredible views of the front range, as well as mature trees & shrubs. Shed included. No HOA dues! Immediate occupancy. New roof soon. Off Hwy 287 & 43rd Street West. Co-listed with Robert Walkowicz 377-4945.
Prices starting in the $150’s MLS#
503 Kathryn Court, Loveland Nice-sized corner lot. Wellmaintained tri-level has 3 bedrooms + study & 3 baths. Kitchen w/oak cabinets & pantry. Gas ďŹ replace in rec room. Master bedroom offers it’s own bath & walk-in closet. Private fenced backyard, shaded patio, sprinkler system, RV parking & storage shed. Blue Ribbon Warranty included!
NEW HOMES BUILT BY WINDMILLS LLC
SUNDAY 12:00-3:00
2063 Calhoun Court Move-in condition 3bd/3ba 2457 sf. located on a quiet cul-de-sac with beautiful yard, mountain views & backing to a greenbelt. Oak oors, maple cabinetry, big windows and lots of light. Neighborhood walking trail takes you to the city river rec trail.
MLS# 662086
MLS# 662262
461-7136
566-2646
NEW LISTING
SATURDAY 1:00-3:00
1658 Stove Prairie Circle, Loveland Stucco ranch style home with an inviting tile entry. Great room w/gas ďŹ replace opens to kitchen & breakfast nook. Tharp cabinetry, slab granite counters w/full tile backsplash & hardwood oors. Master w/5-pc bath & large walk-in closet opposite 2 guest bedrooms. Formal dining room. Central air. UnďŹ nished bsmt. Private patio.
SATURDAY & SUNDAY 12:00-5:00
4607 Pompano Drive, Windsor 3 bedroom, 3 bath ranch with 3-car garage. Loads of upgrades, backs to open space! All of our homes are energy-efďŹ cient on oversized lots! Visit our models for other plans available starting at $239,900.
$233,000
$263,000
$287,296
Call Diana Luthi
Call Scott Mullen
Call Maribeth Bergan
Call Kristen Specketer
481-2692
MLS# 662253
690-8333
MLS# 663127
MLS# 661199
690-1735
290-8097
SUNDAY 1:00-3:00
SATURDAY & SUNDAY 1:00-3:00
920 Norway Maple, Loveland Custom built home by Troendly Construction. Ranch plan with 2 bedrooms & den on main level. Bedroom, bath & family room in basement. Tandem 3 car garage. Nice ďŹ nishes include granite, alder & SS appliances. Choose your colors.
FRIDAY - SUNDAY 1:00-3:00
MLS# 643842
Call Jim Watson
219-5219
SUNDAY 1:00-3:00
4495 Ridgeway Drive, Loveland 5 bedroom, 3 bath, ranch style home. Kitchen features wood oors, granite counters, black appliances, 43â€? cabinets, island & breakfast bar. Great room w/ ďŹ replace. Main level master. 2nd master suite w/5-piece bath, great room & mini kitchen in bsmt. Central air, 2 tankless hot water heaters, high-efďŹ ciency furnace. Covered patio & huge deck.
$300,000
MLS# 656603
Call John Simmons
481-1250
REDUCED $10,000
NEW CONSTRUCTION
2469 Indian Hills Drive, Loveland Sprawling ranch w/4 bdrms, 3 baths, formal living, dining, family room & ofďŹ ce on main level. Italian marble oors, newer triple pane windows. 50-year shingles, security system, 6-panel wood doors, remodeled kitchen w/granite tile counters, new refrigerator, dual fuel gas range, wood beam accents, xeriscaped yard. 22x20 workshop in bsmt.
Homes Starting in the $200,000s!
NEW CONSTRUCTION
$224,900
MLS# 660849
FRIDAY - SUNDAY 1:00-4:00
292 Saratoga Drive, Windsor Greenspire at Windsor Lake. It is more than just a home‌ IT’S A QUALITY OF LIFE! Miles of bike trails, open space & parks. Personalize your home from framing to ďŹ nish! Extraordinary oor plans – Ranch & 2-Story. Lots available on Windsor Lake! Visit our Sales Center or call for a personalized showing today!
302 Lyra Place, Loveland Colorado Craftsman Style Home! Hardwood oors, designer tile, slab granite, alder trim & doors, mission style alder cabinets. Gourmet kitchen. Formal dining room & breakfast nook. Deck overlooks open space w/access from kitchen & master bdrm. 3-car tandem garage. Garden level bsmt. Full yard landscape. Close to I-25.
SATURDAY & SUNDAY 12:00-3:00
4790 Wisconsin Avenue, Loveland Energy Star Rated & Built Green Home! Tharp cabinets, 3cm granite, huge walk-in pantry, gas cooktop, vent hood, built-in oven, microwave, refrigerator. Solid wood doors, wood trim & custom tile work. Finished basement w/wet bar & ďŹ replace. Finished, insulated 3 car garage w/work bench & epoxy sealed oor.
SUNDAY 1:00-3:00
6787 Spanish Bay Drive, Windsor Classy patio home has 2 master suites. Main oor ofďŹ ce. Formal dining room. Concrete countertops, SS appliances & huge walk-in pantry. 3rd bdrm, bath, family room & lots of unďŹ nished area in basement. Entertainment center is included. Enjoy the view across Highland Meadows Golf Course!
$315,000
$347,900
$357,000
$379,945
$437,500
Call Cindy Kurtz
Call Rich Gardiner
Call Georgena Arnett
Call Tracy Wilson
Call Nancy Maus
MLS# 654183
962-6832
MLS# 654230
227-0964
MAJOR PRICE REDUCTION
SUNDAY 11:00-12:30
2096 Vista Drive, Loveland Located on the 10th Fairway of the Olde Course in Loveland. 2 OfďŹ ces, formal living & dining rooms, large kitchen & great room. Slab granite counters & back splash, wood oors. Mstr walk-in has custom built-ins. Jetted tub & huge shower. Mature yard. 3-car garage, workshop and heated driveway.
SATURDAY 12:00-2:00
2009 Morning Drive, Loveland Spectacular Views – COMPLETELY Remodeled. Private, peaceful & serene mountain feeling, yet the convenience of paved roads, natural gas, city water & public sewer. All-season sunroom w/radiant heat. Upgrades include iron railing, wood oors, high-end ďŹ nishes, granite counters, SS appliances, alder cabinets.
$450,000
Call Nancy Maus
Call John Simmons 481-1250
213-0554
481-9801
MLS# 658861
567-0907
AN EXCLUSIVE SERVICE OF THE GROUP, INC. REAL ESTATE
$439,500
MLS# 644585
MLS# 657756
MLS# 661575
Northern Colorado Real Estate Source The Real Estate Source is a magazine produced by The Group featuring homes for sale and new home me neighborhoods throughout Northern Colorado..
MLS# 660692
213-0554
o Colorad n r e h t r No Source
tate Real Es w w w.
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oupin
c.com
Saturday Reporter-Herald August 27, 2011 D5
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
• Travis Chambers from Clymer Family Trust, 2128 S Taft Ave, Loveland, $140,000, home • Chris & Wendy Frost from Fannie Mae, 4208 10th St Sw, Loveland, $171,000, home • Joshua & Jessica Pitts from Federal Home Ln Mortgage Corp, 3167 Sally Ann Dr, Loveland, $197,500, home • Nora Brown from Travis Hartman, 3125 Sedgwick Cir, Loveland, $299,900, home • Zodiac LLC from William Holliday, 2445 Oleander Ct, Loveland, $160,000, home • Elizabeth & William Cairo from Kathryn Simpson, 2008 Crystal Ct, Loveland, $172,500, home • Harold & Brenda Rollison from Michael Smith, 853 W 8th St, Loveland, $125,000, home • Angus Mckinley from Arrowhead Properties LLC, 2124 Blue Duck Dr, Loveland, $187,500, home Todd & Deborah Tygesen from Margaret Bell, 2003 Red Cliff Dr, Loveland, $168,500, home • Jesse Goll from Daniel Chase, 1935 Big Sandy Pl, Loveland, $189,000, home • Matthew Foucheaux from Bryan Clark, 903 Bayberry Dr, Loveland, $179,900, home • David Mccloughan from Shawn Cooperider, 2225 W 46th St, Loveland, $255,000, home • Jeffrey & Chrystal Gates from David Genevieve Trust, 1041 Sablewood Dr, Loveland, $235,000, home • Karen Flores from Nicholas Dittrich, 732 Zircon Ave, Loveland, $163,300, home • Christopher & Kristin Kelley from Federal Home Ln Mortgage Corp, 5104 Edgewood Ct, Loveland, $145,000, home • John & Susan Garcia from JN LLC, 5239 Deer Meadow Ct, Loveland, $536,200, home • Angela Bergstrom from Joel Johnston, 1014 Paloverde Dr, Loveland, $143,000, home • Jeffrey & Sarah Schwartz from Kempas Investments LLC, 1103 Winona Dr, Loveland, $138,000, home • Matthew Wasserman from Cody Kness, 4735 Hahns Peak Dr Unit 204, Loveland, $110,000, condo • Barry & Kendra Kelly from David Mccloughan, 2501 W 36th St, Loveland, $415,900, home • Kathryn Dornauer from Donald Mcedward, 4111 Cripple Creek Dr, Loveland, $176,300, home • Shelly & Genevieve Wagar from Oak Valley Homes LLC, 195 Carina Cir Unit 102, Loveland, $154,000, condo • Harry & Louise Walter from Janice Peterson, 538 Radiant Dr, Loveland, $169,000, home • Terry Sayre from Jessica Veatch, 1705
Agate Ct, Loveland, $209,900, home • Paul & Misty Williams from Anita Williams, 4227 Peach Tree Ct, Loveland, $156,600, home • Silvia Crowther from Carter Cabin LLC, 4112 Fawn Trl, Loveland, $185,000, home • Jeffrey Finer from Connelly Trust, 1000 W Eisenhower Blvd Unit 11, Loveland, $145,000, condo • Gerald & Lorene Putnam from Deutsche Bank National Trust C, 2252 6th St Sw, Loveland, $104,000, home • Georgie Fear from Daniel Doherty, 1842 Monarch Cir, Loveland, $272,300, home • Megan Gifford from Robert Frye, 4196 Glen Isle Ct, Loveland, $220,000, home • Jonathan & Anastasia Humme from Jeffrey Gates, 558 E 42nd St, Loveland, $166,500, home • Deand from Grayh, 2312 S County Road 21, Loveland, $275,000, home • Scott & Laurie Lindberg from Housing Authority City, 3978 Boulder Dr, Loveland, $176,700, home • Wayne & Linda Hessler from JN LLC, 5230 Deer Meadow Ct, Loveland, $516,900, home • Bernard & Susan Weakland from Karen Larson, 4987 Clearwater Dr, Loveland, $252,500, home • Michael & Stephanie Bennett from Loveland Midtown Development, 1826 Gemini Ct, Loveland, $173,900, home • Hai Huynh from Loveland Midtown Development, 870 Libra Ct, Loveland, $224,900, home • Eugene & Marilou Shreck from Loveland Midtown Development, 1867 Gemini Ct, Loveland, $212,500, home • Jim & Tammy Ray from Mana 2007 Oar1, 4802 Valley Oak Dr, Loveland, $297,500, home • Angi Bartine from James Petersen, 3070 Tabernash Dr, Loveland, $185,000, home • Colin & Linda Napier from Rhonda Sharp, 80 Idlewild Ln, Loveland, $375,000, home • Resident from Bill Stenberg, 8150 Open View Pl, Loveland, $137,000, home • Raymond & Melissa Hernandez from Timothy Young, 4314 Sunridge Dr, Loveland, $190,000, home
Berthoud
• Christopher Watson from Elizabeth Mcmichael, 1210 Cedar Dr, Berthoud, $234,500, home • Gary Kephart from Homesales Inc, 1018 Ncr 31, Berthoud, $227,700, home • Brent Cody from US Bank, 617 Sunbird Ln, Berthoud, $270,000, home
Estes Park
• Allison Skapin from Jerald Hardin, 731 S Saint Vrain Ave, Estes Park, $165,000, home • Jacquelyn Hertel from Sue Mecca, 150 Indian Trl, Estes Park, $159,900, home
• Resident from Donald Benton, 2417 Longview Dr, Estes Park, $343,000, home • Don & Mary Hoff from Downing Living Trust, 1861 Raven Ave Unit B1, Estes Park, $290,000, condo • Dale & Catherine Mccluskey from Fannie Mae, 2281 Bellevue Dr, Estes Park, $219,500, home • David & Robin Vanmetre from Lucille Beery Trust, 424 Hillside Ln, Estes Park, $319,000, home • Robert & Karen Janes from Gary Miller, 1200 Rambling Dr, Estes Park, $300,000, home • Rodney & Laura Mulder from James Mycock, 1600 Wapiti Cir Unit 34, Estes Park, $417,500, condo • Kingswood Inc from Promontory LLC, 516 Promontory Dr, Estes Park, $120,000,
home • New LLC from Crystal Creek Development Inc, 1917 Silver Tree Ln, Estes Park, $310,000, home
Johnstown
• Gregg & Annmarie Chaddic from Rebecca Kissick, 312 Buckeye Ave, Johnstown, $226,000, home • Jeffrey Bowick from Oakwood Homes LLC, 3842 Kenwood Cir, Johnstown, $267,100, home • James Empfield from Kathryn Hornor, 614 Aviara St, Johnstown, $146,000, home • Loreen Yalacki from Dee Bay, 4048 Flagstone Dr, Johnstown, $163,500, home • Josh Weststeyn from Ryland Group Inc, 2756 Aylesbury Wy, Johnstown,
$248,200, home
Windsor
• Judith & Alfred Terzoti from Christopher Stull, 7373 Spanish Bay Dr, Windsor, $580,000, home • Nicole Burchfield from Brian Lampe, 230 Elm St, Windsor, $154,900, home • Holly Gonzalezmedina from Kenneth Kauffman, 1205 Kirkwood Ct, Windsor, $185,000, home • Buchholtz LLC from 7330 Greendale LLC, 7330 Greendale Rd, Windsor, $599,000, home • Mark & Michelle Schneider from BAC Home Loans Servicing Lp, 1949 Kaplan Dr, Windsor, $360,500, home • William & Barbara Schneider from Donna Schneider, 1408 Willow Way, Windsor, $368,000, home
• Noah Jordan from Us Capital Funding LLC, 33973 Siasconset Rd, Windsor, $310,000, home • Steve & Jenna Roberts from Colo Housing Fin Authority, 957 Nantucket St, Windsor, $137,500, home • Elaine Verdill from Kathryn Kinney, 901 Larch Dr, Windsor, $149,000, home • Steven & Anna Giese from Melody Homes Inc, 1653 Chelms Ford Ct, Windsor, $302,000, home • Jeffrey & Kimberly Wikre from Highpointe Vista LLC, 6065 Stone Chase Ct, Windsor, $132,000, home • Morris & Suzanne Withers from JPMorgan Chase Bank, 5517 Evangeline Dr, Windsor, $383,000, home • Nicole Waldmier from Christine Mul-
laney, 117 Walnut St, Windsor, $171,000, home • Joan Schoonveld from Kent Davenport, 205 Valley Ct, Windsor, $187,900, home • Robin Pritchett from Farmers Bank, 1007 Arkansas River Ct, Windsor, $202,000, home • David Abegg from Fed Home Loan Mtg Corp, 816 Iron Mountain Ct, Windsor, $125,400, home • Stephanie Lindner from Richard Sarchet, 621 6th St, Windsor, $179,000, home • Kathryn & Kathryn Blatt from Joan Schoonveld, 507 Palisade Mountain Dr, Windsor, $194,700, home • Brianne & Curtis Schock from WDA Holdings LLC, 121 Ash St, Windsor, $133,000, home
750 W. Eisenhower Blvd., Loveland
669-1234
Each office independently owned & operated
view more properties at:
www.HomesInColorado.com
OPEN SAT & SUN 12 3 P.M. 1723 Wales Dr, Berthoud
Oversized 4 Car Garage. Great split style ranch w/ unobstructed mountain views & backs to open space. Large granite island in kitchen, plus lots of custom features. Located in Matthew Farm. $339,900 | MLS #643192
Connie Gliott and Lisa Moore 566-4627 | 566-4629
PRICE REDUCED www.1009Shortleaf.com
Ranch home with mature trees; 4 bedrooms, 2 baths; sunny kitchen; Partly finished basement; Bay window & fireplace in living room; Hobby/ craft room! $165,000 | MLS #658789
Call Nanci Garnand
622-1846 | 227-1327
www.LivingInLoveland.com
JUST LISTED 1101 N. Park Ave, Johnstown
BRAND NEW LISTING!! 1950’s ranch located across the street from the elementary school. Property has been updated and shows well. Give me a call for all the details! $170,000 | MLS #663376
Call Julie Stinson 622-1809
julies@rmfa.com
2121 Blue Wing Dr, Johnstown
Brand new 2-story with 3 beds, loft, office, 2.5 baths, A/C, hardwood floors, alder cabinets, 3-car tandem garage with mountain views! Ready to move in two weeks! $239,900 | MLS #647876
Call Kathy Beadell 970-290-1798
or Lanette Spotanski 970-213-3603
OPEN SUNDAY 1 3 3015 Challenger Point, Loveland
Views galore from this 5 bed, 5 bath ranch style home that backs to Westerdoll Lake. Garden level walk-out located in Seven Lakes subdivision. Lake rights included! Waterfront living at its best! $625,000 | MLS #659326
Hosted by Rich Johnson
The Jennifer Kelly Team 970-310-7223
PRICE REDUCED www.1015W32nd.com
Gorgeous landscaping in this Tri-Level near the Sculpture Park; four bedrooms; spacious kitchen; finished basment; fireplace; Cedar closet; air conditioning. $210,000 | MLS #660546
Call Nanci Garnand
622-1846 | 227-1327
www.LivingInLoveland.com
JUST LISTED 1866 Monarch Circle, Loveland Fantastic opportunity to own a beautiful home with a separate studio/carriage house!! Studio is currently rented for $565 a month! 4 bd/4bath…SELL!
PRICE REDUCED 134 Sweet Clover Ct, Loveland
Mountain & lake view semi-custom home in Mariana Butte Golf Course neighborhood. 4 bed/4 bath. New kitchen, hardwood floors, carpet, shutters, lighting, finished basement. $399,900 | MLS #654498
Call Coleen Ligotke 690-1732 coleenligotke@gmail.com
www.505-5thSt.com, Berthoud
Great ranch style with shaded patio; investment opportunity; residential or commercial; large master; walk-in closet; tile floors on main level; family room great for entertaining. $225,000 | MLS #661764
Call Nanci Garnand
622-1846 | 227-1327
www.LivingInBerthoud.com
2960 Laguna, Loveland
Enjoy Water Views! BOATERS DREAM. Lake Access. PRISTINE CONDITION, Gorgeous VIEWS, walk-out basement & an amazing THEATER ROOM are just the beginning.
$319,900| MLS #663657
$539,900 | MLS #662500
Call Rita Embry
Call Gene Vaughan or Laura Gippert
481-4967
ritaembry@remax.net
227-5968 | 222-8026
D6
Saturday Reporter-Herald August 27, 2011
H&RE Front Range Gardening
Plant bulbs soon for a colorful, bright spring DICK CHRISTENSEN CSU EXTENSION
B
ulbs are easy to grow, requiring little attention. They tolerate both sun and partial shade. Spring-flowering bulbs provide the growing season’s earliest color and many will bloom and multiply for years without a great deal of care. Along Colorado’s Front Range, some of the most commonly grown bulbs are crocus, hyacinths, tulips, and the species narcissus, commonly called daffodils. Next spring, as each of these tried-and-true favorites helps us to shake off winter blues, their return can also remind us of stories from a legendary past.
DAFFODILS Narcissus comprises a hardy species of mostly spring-flowering bulbs native to Europe, Asia and North Africa (a few daffodil species bloom in autumn). Thousands of new cultivars of tulip and hyacinth were developed early in the history of these plants, but the number of daffodil variants grew more slowly. Only fifty different daffodils may have existed before 1700; by 1900, approximately 1,000 new varieties were introduced. The early twentieth century may have been the daffodil’s Golden Age, with another 6,000 versions hybridized by 1930. Only a fraction of these daffodils are sold commercially today. “Narcissus” is the scientific name for the English daffodil. According to the Greek myth of Narcissus and Echo, Narcissus was an exceedingly handsome youth. The gods granted him good looks, but with a catch. His beauty was permanent — and he was immortal — so long as he never saw his own reflection. During one of his woodland hunts, Narcissus was observed by the young wood nymph, Echo, who saw him from her hiding place behind a tree. Echo fell desperately in love with the handsome Narcissus, but he spurned the smitten nymph. Devastated by the rejection, Echo wept, wailed and ultimately was undone by her love. She pined for so long that after awhile all that remained of Echo was the sound of her voice. But the gods were not pleased and the goddess Neme-
sis, hearing of Echo’s demise, lured Narcissus to a shimmering lake. There the vain hunter, unable to resist the sight of his own reflection, fell in love with himself. As he gazed, the curse of Nemesis was set in motion, and Narcissus faded away. In his place sprang up the yellow flower that bears the name. Plant bulbs that are his namesake (and the daffodil cousins) 6 inches deep and 4-to-8 inches apart (smaller species bulbs require less depth and can be planted closer together). A wide variety of daffodils are available; their heights vary from 6 inches to more than 20 inches. The plant’s shiny green foliage is usually about 3/4 of an inch wide and up to 15 inches long. Narcissus can have single flowers or several flowers to a stalk; the flower can be trumpetlike or flattened. Daffodils come in many colors and combinations including white, pink, yellow, orange and orange-red with single or double flowers.
bulbs in well-drained, humus-enriched soil in full sun or partial shade. Some species are hardy and will bloom for several years, while other types are considered annuals.
HYACINTHS A Greek myth describes how the hyacinth’s first appearance involved the gods Apollo and Zephyr, who were fond of a handsome young Greek called Hyakinthos. As Apollo was teaching Hyakinthos the art of throwing a discus, Zephyr — god of the west wind — was overcome with jealousy and blew the discus back. It struck Hyakinthos on the head and killed him. From his scalp sprouted a fragrant red flower, which Apollo named “hyacinth” in honor of the slain youth. It is not known what sort of plant the original hyacinth was, but by the time the word was absorbed into English, it had been assigned to bluebells and their relatives. Hyacinths came to Europe in the sixteenth century from Turkey and the Middle East. By the early 1700s, hyacinths were very popular, with more than 2,000 available cultivars. In the Victorian language of flowers, the hyacinth flower symbolizes sincerity. March 7 is designated as World Hyacinth Day. Plant hyacinths 7 inches TULIPS deep and 6-to-9 inches apart; their upright foTulips were cultivated by Turks as early as liage grows about 10 inches. Flowers form a 1,000 A.D. and were planted in the Netherlands showy single, dense spike 1-to-2 inches across. and elsewhere in Europe in the sixteenth centu- Hyacinths are very fragrant and come in shades ry. The English words “tulip” and “turban” ranging from red, rose, yellow, pink, blue, vioboth can be traced to the Ottoman-Turkish let, salmon and white. “tülbend,” a type of gauze used for turbans, and alludes to the way the fully opened tulip CROCUS AND SAFFRON can resemble a turban. The tulip is the national One of the few bulbs to be in cultivation for flower of Turkey. longer than tulips is the lavender-flowered, fallA Turkish legend tells how a love-stricken blooming crocus. According to legend, the prince named Farhad received news that his Greek gods Hera and Zeus loved each other so beloved Princess Shirin had been killed, and in passionately that the land where they lived a state of grief mounted his steed and galloped burst open with crocuses. The word crocus deover a cliff to his death. It is said that a scarlet rives from the Greek word “krokos,” meaning tulip grew from each droplet of his blood. The saffron. An orange-yellow dye and condiment, red tulip is often regarded as a symbol of persaffron continues to be harvested from the stigfect love. ma — female flowering parts — of Crocus satiPlant tulip bulbs 4-to-8 inches deep and 4-to- va, a crocus species native to the eastern 8 inches apart. There are more than 100 tulip Mediterranean. In the ancient world, the flower species in existence and 3,000 cultivars that was grown for its beauty and as a trade comhave been hybridized. modity for use in dye powders, medicine, perfumes and spices. Saffron is expensive; approxiRelatively deep planting encourages goodmately 4,000 flowers are required to produce sized flowers for several years. Species tulips 1 ounce of powder. have smaller bulbs, requiring shallower plantPlant the crocus corms 3 inches deep and 4 ing. Heights vary from 4 inches to nearly 30 inches apart. Crocuses grow from 3-to-6 inches inches. Foliage is usually thick and bluish in height, they usually have a single flower and green. Species tulips like Kaufmanniana and Greigii hybrids often have burgundy- or purple- grassy foliage that is dark green, with leaves shorter than the flowers. Blooms are 1-to-8 mottled leaves. Most tulips produce a solitary flower, but some have multiple flowers on their inches tall, and can be white, yellow, purple or striped. Some crocus species flower in autumn. scape or stem. Tulips come in a multitude of forms and colors — except for true blue. Plant For a one-time expense, bulbs usually supply
years of spring color in the garden. Also try alliums, Anemone blanda (Grecian Windflowers), Chionodoxa luciliae (Glory-of-the-Snow), Muscari (grape hyacinths), snowdrops, Dutch hybrid irises, Scilla (blue squill), Fritillaria meleagris (checkered lilies) and Galanthus nivalis (snowdrops). All of these bulbs do well on the Front Range. From a distance, solid blocks of single colors can establish visual emphasis. Mixtures of colors and flower varieties enliven border gardens. Many gardeners enjoy the surprises that result from planting bulbs with no organized scheme. With attention to bloom time of specific varieties, any method can offer successive waves of welcome spring beauty.
BULB BASICS • Bulbs are plants that store their complete life cycle in an underground storage structure. The structure’s primary function is to store nutrient reserves to ensure the plant’s survival. • Most bulbs are perennials, meaning they have a period of growth and flowering followed by a period of dormancy. • Choose the largest bulbs of any variety. There is a direct correlation between bulb size and flower size. Avoid moldy, dry or damaged bulbs. • Avoid planting in southern exposures close to a foundation, as the warmth can force bulbs to leaf out too early and can result in injury from freezing temperatures. • Dig bulb beds to recommended depths. Planting depths are measured in relation to the size of bulbs. As a general rule, the depth from the soil surface to the top of the bulb is four times the height of the bulb. Bulbs should rest firmly in the soil, roots down, without any air space under the bulb. • Apply fertilizer and soil amendments at the planting. For fertilizer to be effective, it must be present in the vicinity of the roots. Fertilizer promotes larger bulbs and improves the following year’s flower growth. When digging beds, mix in phosphorus with the soil at a rate of a 1 /2 pound of 0-46-0 fertilizer (super phosphate) per 100 square feet. Bone meal can also be used; follow package directions. • Before it is shoveled back into the planted bed; mix soil with some type of organic matter (peat moss or well-decomposed compost) to improve the texture of clay soils. Dick Christensen 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.