Page 1

3,120 LISTINGS

fort collins • loveland • windsor wellington • timnath

SATURDAY, JANUARY 18, 2014 en s Op omenday 1-4 H l e Modsday - Su Tue

Berkshire Hathaway is pleased to announce the addition of

Shirley Watson to their elite team of agents. Lakefront Estates

Shirley Watson mobile: 970.481.8255

3665 JFK Parkway Building 2, Suite 300 Fort Collins, CO 80525

Berkshire Hathaway HomeServices brings a definitive mark of stability, strength and above all, quality to the real estate market.

Single-Family Homes

FC-0000384305

email: Shirley@ShirleyWatson.com website: www.ShirleyWatson.com

Patio Homes

Poudre School District

FC-0000387227

OPEN HOUSE Friday - Monday 1-4pm

FLAT FEE LISTINGS

Sell Your Home for Less than $500!

SE OU11-1 H EN AY OPUND S

FULL SERVICE LISTINGS FOR 1%!

Don’t pay 6% to Sell Your Home! It is Your Money! BUYER REBATES! 1% BACK to YOU!

FC-0000386132

2109 Katahdin Drive • Decorated Model • Homes from the $300s

The Bucking Horse Community is a centrally located neighborhood within walking distance to the shops at Rigden Farms, a grocery store, churches and schools! Our expansive trail system, swimming pool & clubhouse, community gardens, working farm, dog park and a 6 acre city park create a wonderful neighborhood for active families.

Joey Porter 481-4814 Todd Fields 218-3535 Becky Vasos 217-9874 The Group Inc. 229-0700

We Contribute 1% of Your Purchase Price Back to You at Closing!

Michael Nicholson: Broker/Owner

970-691-8429

mnicholson@homesavingsrealty.net

It’s Time for Real Estate to be About the Consumer!

Home Savings Realty www.HomeSavingsRealty.net

Photo of similar finished home.

6837 PETTIGREW ST., WELLINGTON

Sage Homes popular Yampa ranch plan, 3 bedrooms and 2 bathrooms with oversized 2 car garage, wood flooring, kitchen cabinet upgrade, front landscaping. $1,500 from builder approved lender. This home is under construction and will be completed in March. $209,050 MLS # 725699

Jim Hauan 481-9280 Michael Hurd 227-5932 FC-0000386118

Happy house hunting this weekend! FC-0000387374


2 SATURDAY, JANUARY 18, 2014 REAL ESTATE WEEKLY

An advertising supplement serving Northern Colorado | www.coloradoan.com/homes

NEW HOME DEVELOPMENTS Highland Meadows Golf Course Community

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You Pick the Home... We Have the View! Eight Beautiful Models to Choose From Home Prices Starting in the low $400’s *Only 3 Lots Left in Phase 3 - Reserve Yours Today* Call for an appointment Today!

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www.coloradoan.com/homes | An advertising supplement serving Northern Colorado

REAL ESTATE WEEKLY SATURDAY, JANUARY 18, 2014 3

Open Houses This Weekend SUNDAY 11-1

www.thegroupinc.com Harmony Office 970.229.0700

103 Poudre Bay, Windsor. Culde-sac, 5BD, 4BA, 3519 SF, 2Story with oversized lot, new roof and windows, sun room with hot tub, new appliances and all countertops have been refinished, full finished basement and oversized garage with heated storage.

SATURDAY 12-2

220 Triangle Dr, FTC-4bd/4ba 4204sf. Dine-in kitchen w/island new ss appliances & pantry. 5-piece master w/oversized walk-in closet & vaulted ceilings. Bsmt completely fin. & includes workshop/storage area. Media rm wired for surround sound. New 50 gal H2O. Tons of storage.

SATURDAY 12-2

335 E. Elizabeth St., FTC-2BD, 1BA 1346 SF Charming bungalow with character of yesteryear – great for entertaining! Beautiful wood floors, doors and trim. Remodeled bathroom w/updated colors & fixtures. Mature landscaping with a front deck & back patio.

SAT 2-4 & SUN 12-2

473 Pelican Cove, Windsor-3bd/2ba 2251 sf. New carpet, tile, paint inside & out, new hot water heater, roof, gutters, sink/faucet, microwave & more! Located in Water Valley close to lake & golf course, swimming pool, clubhouse & more! Fin. basement w/ huge rec room & bathrm!

$425,900

$369,000

$295,000

$229,500

Call Mitch Benner (970) 214-8430

Call Cathy Goza (970) 381-9141

Call Jessica Tate (970) 305-2400

John Cheever (970) 420-5093 Pamela Cass (970) 222-6025

MLS#724405

MLS#718660

MLS#721405

MLS#723471

Horsetooth Office 970.223.0700 Mulberry Office 970.221.0700 Centerra Office 970.613.0700

SATURDAY 12-2

1417 Longs Peak Dr. FTC-Rare opportunity to own a full brick home with detached outbuilding. This vintage home was built by current owner and is ready for a buyer with dreams and vision. Great for an in home business or hobbyist. Concrete area for RV parking.

SUNDAY 11-1

1440 Hummel Lane, FTC-Fabulous 4BD/3BA, 3320SF ranch with a brand new finished basement! New furnace, A/C, range, dishwasher, microwave, whole house water filter, exterior paint/ interior paint, carpet, backyard fence & roof!

SATURDAY 1-3

1817 Nedrah Dr. FTC-Custom built 3BD 3BA, 5,187 sf ranch w/ full unfinished basement. Totally updated including all baths & recent kitchen remodel. Open & inviting floorplan. 1/3 acre lot with covered patio great for entertaining.

$360,000

$489,000

$375,000

$515,000

Nikki Onda 691-0176

Call Kathy Beck 213-8475

Call Kim Doll (970) 377-6023

Call Jen Gamez (970) 818-1265

MLS#725687

MLS#724060

MLS#722421

MLS#722193

W J O US N T T L LA IS ST TE LOD.. N. G !

Loveland Office 970.663.0700

SUNDAY 11-1

856 Wisteria Dr. Loveland-Beautiful 2-story home in Loveland, just south of Ft. Collins. Open floor plan, slab granite in kitchen and all baths. Beautiful tile entry, SS app, 5-piece master bath, finished basement with bar. New furnace, new Tankless hot water heater.

SATURDAY 10-12

2012 Bronson Street, FTCImmaculate 3bd, 2ba, Tri-Level, w/ 1440 sq ft, on large corner lot! Large shed off attached 2-car garage. A/C. Roof new in 2006, furnace, water heater, range, dishwasher new in 2011. Turnkey MOVE-IN READY! Close to Rossborough Park!

SAT & SUN 10-12

3000 Eastborough Dr., FTCGreat ranch in central location with wonderful open floor plan. Gorgeous hardwood floors in this newly remodeled home. 3 BD + den, 3BA & cozy living room frplc. Partially finished basement with rec room, bd & bath.

SATURDAY 11-1

3424 Sun Disk Ct. FTC-3BD, 2BA 1700 SF ranch near Rocky Mountain High. Totally updated creampuff with new wood laminate floors, new bathrooms, new basement finish, new paint, new stainless appliances (to be installed) and more! Huge backyard with mountain views.

SUNDAY 11-1

4301 Halleck Lane, Wellington New model home by Sage. Roaring Fork plan with 4 bedrooms up, 3 car garage and options/upgrades. Base price $246,000. 10 plans to choose from starting at $198,000.

SATURDAY 1-3

5018 Blackhawk Drive, WindsorJust completed! New ranch plan on 2.8 acres, open flr plan, slab granite, hickory flrs, den/study, master suite is separate from other bdrms, oversized 3 car garage, full unfinished bsmt, close to MCR & Centerra w/easy I-25 access!

$214,000

$308,900

$249,900

$246,000

$500,000

Call Katie Shea (720) 231-8179

Call Jessi Pitmon (970) 217-2185

Call Gregg Thomas (970) 988-8221

Call Jim Hauan (970) 481-9280

Call Kurt Faulkner (970) 690-4226

MLS#725106

SATURDAY 1-3

5024 Blackhawk Drive, WindsorReady in 30 days! New main floor master 2 story with dramatic high ceilings, 3 generous guest rooms up, main floor den/study and fantastic master suite plus oversized 3 car garage, all on 2 1/2 acre lot! Close to MCR & Centerra w/easy I-25 access!

SATURDAY 1-3

5285 Blackhawk Dr. WindsorGorgeous home on over 2 acres in popular Steeplechase. Located on one of the few equestrians lots allowing you to have your horses in your own backyard! Very open floor plan, 3 beds & 4 baths. Plenty of room to build a shop/barn.

MLS#697132

RE DU CE D!

MLS#725623

PR IC E

PR H O OR PE S RT E Y!

MLS#725561

SATURDAY 1-3

5381 Carriage Hill Ct., Timnath Stunning, like-new 4 Bd, 3 BA 2-story home w/ wood floors on main flr. Gourmet kitchen w/ SS appl., gas range, granite, lg. island & maple cabinets w/crown molding. Master w/5 pc. Luxury master bath, walk-in & CO mountain views.

SATURDAY 1-3

5569 Quarry Street, Timnath Immaculate 3BD + main floor study, 4428SF ranch-style home in Summerfields at Timnath Ranch. Wonderful upgrades & classy decorative touches. Open floor plan. Kitchen boasting granite slab, double oven, butler’s pantry and counter space galore! 3 car tandem garage.

SATURDAY 12:30-2:30

6072 Trevino Ct. FTC-Ranch style home & walkout basement overlooking the Ptarmigan Golf Course with mountain views. Luxurious master suite has window seats and fireplace with access to the deck. Basement features wet bar, theatre room, 3bdrms w/private baths. Partially fenced.

$500,000

$495,000

$372,000

$359,900

$725,000

Call Kurt Faulkner (970) 690-4226

Call Todd Sledge (970) 222-9120

Call Anita E. Pool (970) 412-9609

Reneta Bird 970-481-2363

Call Danny Valles (970) 213-4463

MLS#697135

MLS#723031

MLS#725767

MLS#725056

MLS#721774


4 SATURDAY, JANUARY 18, 2014 REAL ESTATE WEEKLY

An advertising supplement serving Northern Colorado | www.coloradoan.com/homes

Open Houses This Weekend W NE

S! OM O R ED 6B

G! IN ST I L

SATURDAY 12-2

www.thegroupinc.com Harmony Office 970.229/0700

6305 Maverick Avenue, Timnath. 5BD/4BA, 4691sf. Gorgeous move-in ready 5 bedroom home, well located w/desirable schools! The pride of ownership shows with this like-new home. Open floor plan, many upgrades including newer hardwood floors, huge kitchen island, siltstone counters!

DAILY 1-5

6424 Murano Drive, Windsor - Stop & visit our MODEL HOME, open daily 1-5 pm. This Castello ranch plan has 2 beds, study, 2.5 baths, 3-car garage, covered deck & patio, entry courtyard backs to golf course. Get information on our 7 High Performance Homes starting in the low $400s.

SATURDAY 1-3

6458 Mayfair Avenue, Timnath. 6BD/3BA, 4065 finished sf. Fabulous home on greenbelt! Wide-open floor plan and vaulted ceilings welcome you home. Large kitchen with double ovens and generous counter space. Main level bedroom/office. Beautifully finished basement!

OPEN DAILY 10-6 PM

6821 Rock River Rd, TimnathMeritage Homes is now selling homes at Timnath Ranch from 1603-2685 finished sq ft, 2 story and ranch plans. Homes back to open space, close to Bethke Elementary. Visit our model at 6821 Rock River Rd or call Russ Webber at 720-341-3425.

$424,900

$750,000

$385,000

Homes from the low $300’s

Call Katie Moon 970-377-6078

Call Dennis Pfeifer 970-227-6646

Call Jon Holsten 970-237-2753

Call Chris McElroy 970-227-5102

MLS#725103

MLS#660867

MLS#722252

MLS#715319

HorsetoothOffice 970.223/0700 Mulberry Office 970.221/0700 Centerra Office 970.613/0700 Loveland Office 970.663/0700

SATURDAY 1-4

Streamside, FTC-Come find new exciting designs and floor plans. Modern style homes with a comfortable feel. Ranches & 2 stories single family homes starting in the 300’s. Open concept living & Old Town Charm! Visit the sales office at Prospect and Ellis.

SAT 1-3 & SUN 11-1

6826 Nimitz Drive B-104, FTC3 BD/3 BA 3,233 SF 2 Story Brand new construction! Beautiful end unit townhome style condo. Lrg flrplan, main floor mstr & addtl bedrm w/full bath on main level. Attached 2 car garage. Full unfinished bsmt. Fenced patio area & front courtyard.

$288,662

SAT & SUN 1-4

6913 Water View Ct., Timnath - Fabulous new patio homes being built in Wild Wing by Hartford Homes. Beautiful new ranch & 2-story plans w/ some walkout basements. Priced from $370,000-$670,000 base. Patio homes w/some incredible views overlooking Timnath Reservoir.

$370,000-$670,000

MLS#723735

Call Dianne Breneman 222-8549 Call Judy Bogaard 227-1000 Call Rachel Burhans 310-7664 Call Don Svitak 215-1571

SATURDAY 11-1

4301 Halleck Lane, Wellington New model home by Sage. Roaring Fork plan with 4 bedrooms up, 3 car garage and options/upgrades. Base price $246,000. 10 plans to choose from starting at $198,000.

SATURDAY 1:30-3

1000 Cuerto Ln. #B, FTC-Conveniently located close to foothills for hiking, biking & recreation and also close to CSU! Spacious 3 BD, 3 BA updated townhouse style condo with 2 car garage. Beautiful hardwoods, tile & upgraded carpet. Private, enclosed yard space.

SATURDAY 1-4

7175 Crystal Downs Dr., Windsor 2bd/3ba gorgeous low maintenance patio home with covered patio backing to 5 acre open space park. Granite countertops, hardwood floors, open floor plan. Loaded with extras. Oversized 3 car garage, kitchen with stainless steel appliances.

$445,400

$890,000

Call Brian Bogaard 481-5376

Call Christine Cavalier 303-827-9170 Call Katie Moon 303-949-2514

MLS#720672

MON AND FRI 1-4 SAT AND SUN1-4

$246,000

$190,000

$270,790

Paul Schnaitter 222-8841

Ray Henry 970-215-0918

Gregg Thomas 970-988-8221

Berin Wachsmann 970-214-2277

Where news stories come to life Log onto Coloradoan.com, click the video link and explore local video stories.

MLS#724655

2105 Nancy Gray Ave, FTC-Healthy lifestyle living with expansive trail system, pool, community gardens, open space, working farm, and artisan village (all coming soon). 3 models to choose from starting in the $220’s. Visit the sales office at Timberline Road and Sandbur Drive.

From the $300’s

MLS#725304

SAT 12-2 & SUN 11:30-1:30

8362 Three Eagles Dr. FTC-4BD 5BA 5,618 sf custom ranch w/ quality throughout. Spectacular views! Gourmet kitchen w/high end appliances & granite, master retreat. Finished walk-out basement. Huge deck overlooks tennis courts & open space.

MLS#711422

LOG ON TODAY.


www.coloradoan.com/homes | An advertising supplement serving Northern Colorado

REAL ESTATE WEEKLY SATURDAY, JANUARY 18, 2014 5

Getting approved: How lenders judge you By Rick Grant, Zillow Home Finance blogger As a consumer, you’re used to being the one with the power to judge the products and services you purchase and the companies that offer them. But when it comes to financing your new home or refinancing the one you already own, you hand that power over to the mortgage lenders and, more specifically, the underwriting department. A mortgage loan underwriter is tasked with carefully analyzing every bit of information the loan officer asks you to provide as part of the loan application process as well as the collection of “trailing documents” that

you send in later to substantiate the information you’ve already provided. In general, the underwriter will attempt to verify two primary things in order to meet the bank’s criteria for offering you a loan: general creditworthiness and debt-to-income ratio. Evaluating creditworthiness The first thing the underwriter is concerned with is your general creditworthiness. This will give the lender an idea of your general willingness to repay your debts. There are many ways to determine this, but the most common way is to use a mortgage credit score. This score is based on an analysis

of your various credit files. The most popular score is the FICO score offered by Fair Isaac Corporation, but there are others in use as well. The mortgage credit score uses consumer data stored by the three major credit repositories, Experian, TransUnion and Equifax. Income is generally not part of this calculation, but it is important, as we shall discuss shortly. Early in the loan origination process, the lender will request your permission to pull your credit scores and then purchase a credit score as part of the underwriting process. This number is used to determine how much risk you pose and, in some cases, to match you with the right mortgage loan product. The

cost of these reports is generally passed back to you at closing. Debt-to-income ratio The second thing the underwriter will want to know is how the new mortgage payment will impact your ability to repay. The traditional calculation for this is the debt-to-income ratio, or DTI. The DTI is a comparison of your monthly gross income (before taxes) and your monthly debts. The debts in question include any consumer debt that would appear on your credit report, such as car loans, credit card debt and installment loans, as well as additional debt such as alimony or child support pay-

ments. DTI requirements vary by loan program, but typically underwriters are looking to see if the ratio of debt to income — after the cost of your mortgage principal, interest, real estate taxes, insurance and private mortgage insurance (if required) are all added in — is lower than about 40 percent. Some lenders require it to be even lower. Many other considerations go into the underwriting of a new mortgage loan, but these areas are generally where underwriters focus. Rick Grant has been covering financial services for the trade press for more than 15 years. He specializes in home finance and technology.

WELCOME TO

The Vistas at HighPointe Estates D SOL OTS L 9 4

013 IN 2

L 1!K41I+KIC7! %466G5<IC 74%)I!# <5 IM! M!)1I 4P IM! /41IM!15 H4741)#4 Front Range, featuring premium lots ranging $75,000 to $210,000. H)3I<F)I<5N F<!DK 4P IM! -4%8C 04G5I)<5K> B<NM .4<5I! 4PP!1K I43 4P IM! 7<5! )6!5<I<!K I4 <5%7G#! 3)18K> %7G'M4GK!> 7)1N! 4GI#441 3447> I!55<K %4G1IK> N1446!# 3)IMK> K8)I!'4)1# 3)18> )5# 641!* E5:4C IM! %M)16 4P K6)77 %466G5<IC 7<F<5N D<IM !)KC )%%!KK I4 C4G1 7<P! )D)C P146 M46!* J1<5N C4G1 4D5 'G<7#!1*

WINNER OF THE 2012 BEST OF WINDSOR AWA RD

Robin Strong (970) 214-2246 mobile @9=(? "==+Q9$Q 4P,%! 1KI145N2IM!N14G3<5%*%46

@9=(? $$9+(=(( 4P,%! A DDD*IM!N14G3<5%*%46

David T. Muth, CRS (970) 481-5963 mobile @;((? O=&+&($Q 4P,%! #6GIM2IM!N14G3<5%*%46


6 SATURDAY, JANUARY 18, 2014 REAL ESTATE WEEKLY

An advertising supplement serving Northern Colorado | www.coloradoan.com/homes

Mortgate Rates

Jan 16, 2014

U.S. Fixed-rate 30 year U.S. Fixed-rate 15 year Southwest Fixed-rate 30 year Southwest Fixed-rate 15 year

4.41% 3.45% 4.47% 3.52%

Jan 17, 2013 3.38% 2.66% 3.43% 2.70%

Making sense of your appraisal report

By Rick Grant, Zillow Home Finance blogger efore any lender will loan you money to buy or refinance a home, the lender will attempt to get some idea of what the property is worth. After all, the real estate serves as the collateral that you will be putting up to secure the loan. Typically the lender will order an appraisal report. The value returned on this report will determine how much the lender is willing to lend. Here is a simple guide to help you understand this sometimes very confusing document.

B

Basic home facts The first page will have a number of headings that identify the subject property and any improvements that have been made to it. Scan this page to make sure it is accurate. If your property is in a specific neighborhood or community, it will be noted

on this page. It’s important that this information be correct, as it helps the appraiser identify similar properties to which your property can be compared in order to determine its market value. If any information on the first page is inaccurate, call the mortgage company to report it.

Comparable homes The second page of the report is where you will find the actual number that lenders will use to base their decision upon. Much of the page is taken up with a chart that includes a number of columns, with a property in each. The first is taken up by the subject property, and to its right are a number of comparable homes, usually three, often referred to as comps. The appraiser will attempt to list any comparable homes that have been sold within the past 6 months. These homes will all be located very

close to the subject property in an attempt to minimize the differences in value that can be expected between different neighborhoods. In each column will be a value for the home. The recent sales will show the price the homes sold for. Because every property is unique, making comparisons can be difficult and requires the appraiser to make adjustments to the comps’ sales prices to better estimate the market value of the subject property. This can be very confusing to the homeowner and often becomes a point of contention when homeowners believe their properties

should be worth m o r e than the appraisal report indicates. N o t all adjustm e n t s reduce the estimated market value of the subject property. If the best comps available are smaller homes, for instance, it could lead the appraiser to make a net positive adjustment to the estimated value on the report. All of the adjustments are then combined into a gross adjustment, which is used in the estimate but also serves as a gage of the confidence the lender should have in the final value. The higher the gross adjustment, the less reliable the report should be considered. Estimated market value At the bottom of the page, the appraiser will re-

4,000

$ W W W. M Y D R Y C R E E K H O M E . C O M

Homes near Old Town from the Low $200s Only 7 Lots Remaining!

Use your $4,000 Incentive towards options & upgrades, buy down your interest rate, pay closing costs-you choose!

Model Open Weekdays 1-4 and Weekends 11-4 2050 International Blvd., Fort Collins 80524 • (970) 388-0456

veal the estimated market value of the home. This is the value lenders will use to determine how much money they will lend and is the basis for the loan-to-value ratio that is very important in the home finance process. In some cases, the appraiser will also provide a cost value, which tells the lender what it would cost to replace the home. This can be used as the basis for home insurance purchased to protect the homeowner and the lender over the course of the loan’s lifetime. Many other pages of information can be included with the report. These provide additional details on the subject or comparable properties. Rick Grant has been covering financial services for the trade press for more than 15 years. He specializes in home finance and technology.

Incentive Use asYou Choose


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REAL ESTATE WEEKLY SATURDAY, JANUARY 18, 2014 7

How to approach real estate in 2014 and beyond By Brendon DeSimone, Zillow Real Estate blogger

T

he current real estate recovery is like a marathon. Last year, buyers and sellers sprinted out of the gates at full speed, fueled by low interest rates and affordable home prices. The press and social media were full of stories about limited housing inventories, bidding wars and multiple offers. In 2013, real estate was sexy and headline-worthy. As we move into 2014, it’s clear we’ve only run the first few miles of this marathon. Last year’s excitement will surely wear off, and there will be a lot less flashy magazine covers, posts, tweets or evening news stories about real estate. Most experts predict a slower, steadier, more even “pace” this year in most of the country, even as interest rates and home values inch up. T h i s doesn’t mean 2014 won’t be as good a time to buy real estate. It helps to look at the bigger picture and not get caught up in the micro stats or the latest headlines. Sure, we likely won’t see interest rates as low in 2014 as we did in 2013. But to put that into perspective, interest rates were as high as 18 percent in the 1980s, yet people still bought homes. As you approach buying a home this year, it helps to focus on the long term by keeping the following five best practices in mind. These were best practices for home buying a generation ago.

And they’ll most likely still be practical when the next generation of home buyers sprints out of the gate. Buy when you’re ready Just because you didn’t buy last year when the market was super hot doesn’t mean you’ve missed out. Could you have gotten in when the rates were at their lowest and values near the bottom? Sure. But were you ready to buy then? Probably not. The main thing to remember is that you should buy a home when you can afford it, you have your financing and you’ve found a home that meets your needs. That will always be the best time to buy. Home buying is a journey Despite h o w

quickly the world works today, you can’t force a home purchase. It’s not like buying a television or a laptop. A home is a much more expensive and complicated purchase. It’s where you can feel safe and calm from the outside world, a place you can customize to your needs, and where you will make

lasting memories. Because of this, buying a home comes with emotional and practical implications on top of the financial ones. Remember that a home is your place to live first and an investment second. Take the time you need to find the right home. Don’t be driven by data If you watch the nightly news or read news online, you’ll hear real estate market predictions and numbers on a national level. And at any given time, you’ll likely get conflicting real estate forecasts. A lot of information and data will come at you from many different angles — includi n g social media. Don’t

t a k e anything to be an absolute. Keep your own goals and needs top of mind at all times. Real estate is local The national real estate news headlines may be about multiple offers and bidding wars. But that situation may only be relevant to one part of the country or even to just a handful of cities. Meanwhile, the neighborhood

where you want to buy a home still has distressed sales and is more of a buyers’ market. All that really matters in real estate is what’s happening in your own community. If you’re interested in getting into the market, follow the local economy and housing markets. Go to open houses and learn. Get connected to a real estate agent who has “feet on the street.” Go with your gut You know your financial situation better than anyone. You know your down payment amount, credit score, amount of savings and the

upper limits of what you can afford to put t o ward h o m e o w n e rship every month. Apply what you know about your finances to your local real estate market. You know the neighborhoods, the commercial districts and the types of homes for sale. By merging these two, your gut will inform you on what’s a good buy, when it’s the right time to buy and how to approach a purchase. In 2014, stay focused on what you know, stay local, take your time and don’t let outside forces sway your decision to buy a home. People have bought and sold homes for years, at higher prices and with higher interest rates. If you’re in it for the long haul, consider yourself at mile 3 of a 26-mile marathon. Reprinted by permission from Brendon DeSimone who is a Realtor, a regular HGTV contributor, a Zillow blogger, and one of the nation’s leading real estate experts. He has collaborated on multiple real estate books and his expert advice is regularly sought out by print, online, and television media outlets including The Today Show, Good Morning America, CNN, FOX News, Bloomberg, CNBC, and Forbes.


8 SATURDAY, JANUARY 18, 2014 REAL ESTATE WEEKLY

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www.coloradoan.com/homes | An advertising supplement serving Northern Colorado

409 Mason Ct., Bld. C, Suite 121 | Fort Collins, CO 80521 | oldtownforsale.com FC-0000384806


10 SATURDAY, JANUARY 18, 2014 REAL ESTATE WEEKLY E OUS M N H -2P OPE. 11AM SAT

1018 Centre Avenue Fort Collins, CO 80526 970.221.5995 ftcollinshomes.com

WWW.FACEBOOK.COM/REMAXADVANCEDINC

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130 LYONS STREET

8367 SAND DOLLAR DRIVE

39553 RANGEVIEW DRIVE

39882 RIDGECREST COURT

Custom home in gated comm features a matching out building w/guest quarters, newly remodeled kitchen w/prof grade appl, cherry wood cabinetry & granite thruout, and heated floors in the luxury mstr bath. Horses allowed on the 6.4 partially fenced lot w/water views. Irrigation water avail thru HOA. www.39553rangeviewdr.com $960,000 MLS#720960

Immaculate custom ranch w/walkout lower level. Mountain views & covered deck on nicely landscaped 4.1 acre lot. High-end features incl granite counters & knotty alder cabinets in the kitchen, hrdwd/tile floors thruout, a luxury mstr suite & an addl separate garage/shop. Visit www.39882ridgecrest.com. $779,000 MLS#725559

Impeccably remodeled Old Town bungalow! 2002 s.f. w/ 4 spacious bedrooms & 2 baths. Gorgeous, original hardwood floors & highly designed & open kitchen. NEW features include mechanicals, plumbing, electrical, 2-car garage, landscaping, lighting & magnificent basement. Seamless blend of old & new! $515,000 MLS#719867

Better than new construction this sophisticated 5,568 s.f. 2 story home built in 2005 features top of the line finishes throughout! 5 bdrms, 5 baths, open floor plan, gourmet kitchen, finished basemt & incredible landscaping. An oversized 3 car garage & 15000 s.f lot complete this impressive home. $689,000 MLS#716454

Jill Marum 970-566-0313

Jill Marum 970-566-0313

Angie Spangler, CNE 970-402-6430 fortcollinsrealestatebyangie.com

Angie Spangler, CNE 970-402-6430 fortcollinsrealestatebyangie.com

BELMONT FARMS

BELMONT FARMS

SEAMLESS BLEND OF OLD AND NEW!

BETTER THAN NEW CONSTRUCTION

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www.coloradoan.com/homes | An advertising supplement serving Northern Colorado $179,900–$259,900

11

Low $200’s - Low $300’s

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12

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5021 Brookfield Dr Fort Collins | MLS # 719467

NEW in SE Ft. Collins! 7 floor plans, including: 2 bed/2 bath condo for $179,900; spacious 1,623 sq ft, MAIN FLOOR condo w/ 2 bed + study & formal dining, 2 car garage & THREE patios for $259,900; 3 bed + study townhome w/ 2-car garage, basement & private fenced outdoor living spaces for $257,900. On sale now & available for move in May 2014!

13

5850 Dripping Rock Ln #F-102, Fort Collins | MLS# 717591

Landmark Homes unveils its newest line of quality built condo-homes in esteemed Fossil Lake Ranch. Choose from a 2 bed/2 bath urban loft style design from the low $200’s; up to a 2,643 sq ft, 5 bed/4 bath main floor master with 2-car garage and finished basement in the low $300’s, all FULLY LOADED with super upscale and energy efficient finishes. Other plans in the mid $200’s.

4905 Hahn’s Peak Dr #104, Loveland | MLS# 719534

Brand new 1,100+/- sq ft, 2 bed/2 bath condos w/ optional garages, located in the heart of Centerra with upscale finishes like granite counters and bronze fixtures, per plan. Amenities include swimming pool, hot tub and clubhouse, plus all of Centerra’s shops, restaurants and more! Unbeatable value starting in the $150’s with builder warranty! Call for availability.

Low to Mid $200’s

T SA1–3 ENN 1 P U O S &

Call Jeremy Johnson 970-313-6166

jeremy@getrealhomes.net

2174 Cape Hatteras Drive Windsor | MLS # 704555

Spectacular new main floor master town home in Water Valley South! Granite counters, hardwood & tile flooring, bronze/nickel fixtures, fireplace, A/C, stainless appliances, solid core doors, ceiling fans, + cathedral ceiling; 2 beds, loft & bonus room upstairs. 3 plans to choose from all w/ bsmt, fenced front porch & attached 2-car garage. Future plans include a clubhouse & lake/beachfront amenities. Community borders Eagle Lake!

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'+!! Three units, leased this afternoon.

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Including the mom and her daughter who just love their new playground. The key to signing these perfect prospects? Your listings on Apartments.com, where innovative consumer marketing attracts just the right renters – and delivers them straight to your door.

To find your perfect fit, visit us online or call (888) 658-RENT. ©2012 Classified Ventures, LLC. All rights reserved.

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12 SATURDAY, JANUARY 18, 2014 REAL ESTATE WEEKLY

An advertising supplement serving Northern Colorado | www.coloradoan.com/homes

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By Mary Boone, Zillow Home Improvement blogger

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Home Improvement What to do with frozen pipes and how to prevent them

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More than just a minor inconvenience, frozen pipes are destructive and disruptive. That’s because the frozen water doesn’t just stop flowing through pipes – it actually expands and can cause pipes to crack or burst. An 8-inch crack in a pipe can leak up to 250 gallons of water per day. That unexpected, unwelcome flood can ruin floors, furnishings, appliances, photos and other valuables. Each winter, more than 250,000 U.S. households have their homes destroyed and their lives disrupted by frozen pipes. Oftentimes pipes burst while the residents are away for a few days. Residents turn down the thermostat in an effort to save money, not considering the potential damage that could occur. If they’re gone for a long period of time, the water damage can quickly turn to mold. Here are some tips to manage and prevent frozen pipes. Resolve the problem quickly If your water pipes freeze, immediately turn off the water at your home’s main shut-off valve and call a plumber. You may be able to thaw a frozen pipe with warm air from a hairdryer. Start by aiming the air at the part of the pipe closest to the faucet and move toward the coldest span of pipe. Never use a torch or other open flame to attempt to thaw a pipe.

No more couch surfing in the p’s basement. Boxes taped. Dufflebags stuffed. You’re on to the next great adventure. Because with Apartments.com, you finally scored the perfect one-bedroom close to work and close to friends. Definitely beats the basement. Open the door to your perfect place at Apartments.com.

FC-0000386969

www.coloradoan.com

Protect your pipes A few simple actions may protect your pipes the next time temperatures drop. 1. Let a trickle of water run from indoor faucets located along exterior walls. This dripContinued on next page


www.coloradoan.com/homes | An advertising supplement serving Northern Colorado

REAL ESTATE WEEKLY SATURDAY, JANUARY 18, 2014 13

(Continued from previous page) ping water provides relief from the excessive pressure that builds between the faucet and the ice blockage when freezing occurs. If there is no excessive water pressure, the pipe won’t burst – even if the water inside the pipe freezes. 2. Open cabinet doors to allow heat to get to pipes under sinks along exterior walls. Weatherize your home before winter Taking steps to winterize or weatherproof your home can also help prevent frozen pipes. Consider these tactics before next winter rolls around. 1. Insulate the pipes in your crawl space and attic, which are especially susceptible to freezing. Pipe insulation cannot prevent water from freezing in pipes, but it can increase the time needed for freezing to occur.

2. Heat tape or heat cables can be used to wrap pipes. Use these products only for their intended use (interior or exterior) and follow the manufacturer’s instructions for installation and use. 3. Seal leaks that allow cold air inside, especially near pipes. Double-check around electrical wiring, dryer vents and pipes. Caulk or insulation can work wonders when it comes to keeping cold air out and warm air in. 4. Disconnect garden hoses when garden season ends. If the faucet drips even a small amount, water will eventually fill the hose near the faucet, as well as the faucet and the span of hose just inside the house. When temperatures drop, that water will freeze and damage will likely result.

Cracked pipes can leak hundreds gallons of water every day, ruining floors, furnishings, appliances, photos and other valuables. Taking a few steps to protect your plumbing before freezing weather sets in can save a lot of time, trouble and expense.

4407 GOSHAWK DRIVE, FORT COLLINS 80526

FC-0000387370

Hard to find home in this price range!

3 bed, 2 bath, Bi-level, 2 car attached garage, fireplace, sprinkler system, huge fenced backyard, large deck,1858 total, finished sq ft. Home has new paint inside and out, new hot water heater, and the roof is only 7 years old. Highly demanded southern location that is close to Front Range Community College, Shopping, and easy access to I-25. $225,000

Troy and Kim Zwickle 970-218-5038

The Gold Star Group

USE M N HO 30P OPE1:30-4: SAT.

1930 ABILENE CT, FORT COLLINS Meadows East!

Ready to move in ranch style home. Located in the Meadows East Subdivision. New paint and flooring throughout the home. Also a large back yard for entertaining! This home is must see! MLS#723554. $189,900.

Rhonda Tooz 303-710-0995 FC-0000387273

USE N HO PM OPET. 12-3 SA

4014 S. LEMAY AVE. #32

FC-0000387289

3 bdrm, 3 bath home w/ high end finishes, SS appliances, granite counters, knotty alder trim, & hickory floors. Lrg living rm, dining rm, study w/ built-in cabinetry, mstr suite w/ fp, 5piece bath, & walk-in closet. Bsmt perfect for entertaining: theater rm, rec rm, wet bar, wine cooler, and 2nd laundry. $429,900

Kay DeBey 970-371-1880 www.century21humpal.com

5989 SAND CHERRY LANE TIMNATH WELCOME HOME!

Immaculate, move-in ready home with 4 bdrms, 3 baths, and unobstructed views! Main floor master with 5 piece private bath, formal dining area, toasty fireplace, cool Central A/C, vaulted ceilings, 42” cabinets and a granite counter top island. Heated oversized garage and open space too! $362,900

FC-0000387073

PERFECT PATIO HOME!

John Narum 970-488-0215 www.century21humpal.com

ED INTAIN Y MA RES! IFULLON 34 AC T U A BE HOME

E HOM LOG S! TOM 5 ACRE S U C N3 O

6985 CO RD 104, WELLINGTON

Enjoy wonderful western views from this 6BD 5BA 3,984 sf 2 story! Open floorplan w/ charming country kitchen & light & bright great room. 2 master suites on main level + 1 up. Wraparound covered porch & upper deck. Horses allowed! MLS#725340 $475,000

460 PINON RIDGE RD., LAPORTE

Beautiful views, secluded and easy access. 4BD 3BA 4,146 sf 2 story with office and loft with balcony. Vaulted great room with log interior. Main floor master with private deck. 2 car garage, hay shed and partially fenced. Hot tub/ sunroom. New in 1998! MLS#705675 $455,000 FC-0000387283

USE N HO -3pm OPErday 1 Satu

FC-0000387284

4

1rday u t a S

Patti Phillips (970) 222-1928

Patti Phillips (970) 222-1928

Place a Hot Property Mimi Toliuszis mimitoliuszis@gannett.com 224-7800


F14 Real Estate Weekly, Saturday, January 18, 2014

APARTMENTS UNFURNISHED Full basement apartment in Wellington, $650/mo N/P, Util nego. 541-661-9581

HOMES TO SHARE DHome to ShareD

MOBILE HOMES MOBILE HOME SPECIALS! 2-1owner doublewides, take your pick, only $11,900. 3-1 owner large dbwds (28x70), take your pick, $29,500. 2 bedroom singlewide only $2,900. 2002 Fort Collins dblwd, owner financing, Hurry! Ask us about our FREE home moves to Fort Collins. 1own 16x80 sglwd 3br a bargin, 6 other dblwds & sglwds to choose to chose from. Some are owner financed 970690-3283 970-222-1473

in Timber Ridge Mobile Home Park Smoking ok, priv bath Flexible and reasonable W/D, D/W, A/C, alarm 1 indv only No Pets, ALL util incl., $500/ mo (deposit workable) 310-406-9300 1 BDRM, in 3 Bdrm SW area, N/P, W/D, Students ok. $340/mo incls. utils. Brenda 970-223-3390

HOMES TO RENT Lg. 2bd, garden lvl, frplc $975. 5 min Old Town w/pvt. entrance. or rm for rent - $550 970-404-2205

OFFICE SPACE Medical/ Professional office space,

1918 Lemay, 2,512 sq ft on main floor, private parking lot. Contact Ed Stoner - 970-227-3322

OFFICE SPACE Office Stes 1200-1620SF $8-10 SF NNN 223-7567 drakepark.com 1-3 offices, street level, Old Town, 307 W. Magnolia, 482-4222

SEE BETTER RESULTS WITH THE COLORADOAN CLASSIFIEDS 224-4000


www.coloradoan.com/homes | An advertising supplement serving Northern Colorado

REAL ESTATE WEEKLY SATURDAY, JANUARY 18, 2014 15

Real Estate Transactions

The following information about recent real estate sales is supplied by Weekly Homebuyers List, Inc. of Lakewood. Names, addresses, cities, ZIP codes and phone numbers of all new homeowners are available from Weekly Homebuyers List, Inc on sticky labels. Call (303) 744-2020 or visit www.weeklyhomebuyerslist.com

Berthoud • 413 Chisholm Way; Buyer: James & Andrea Ring; Seller: Susan H. Janke; $376,000

Fort Collins • 312 N. Shields St.; Buyer: Tami Agnemoehle; Seller: Jill P. Mott; $203,000 • 629 N. Sunset St.; Buyer: Mitchell & Kate Schneider; Seller: Mike & Anna Mckenzie; $330,000 • 1117 E. Pitkin St.; Buyer: Austin & Robyn Hoxie; Seller: Kay E. Williams; $255,400 • 6621 Antigua Dr., Unit 5; Buyer: Daniel & Diane Hintz; Seller: Carrie S. Welsh; $176,000 • 2406 Hartford Circle; Buyer: Marsha Choury; Seller: Marilyn M. Coleman; $189,000 • 3100 Guinivere Ct.; Buyer: Rachel & Garrett Pastor; Seller: Michael R. Boese; $250,000 • 1200 Ticonderoga Dr.; Buyer: Crystal Martin; Seller: Sylvia Ramirez; $261,000 • 4751 Pleasant Oak Dr., Unit C75; Buyer: Beth Florin; Seller: Triton At Mackenzie Place LLC; $295,000 • 6548 Westbourn Circle; Buyer: Diana Clements; Seller: Michael & Kimberly Doran; $298,400 • 4751 Pleasant Oak Dr., Unit A1; Buyer: John Jobson; Seller: Triton At Mackenzie Place LLC; $313,900

• 2120 Timber Creek Dr., Unit B5; Buyer: Todd Sledge; Seller: Kelly L. Rice; $192,000 • 3720 Observatory Dr.; Buyer: Nancy & Marcus Meilahn; Seller: Susan J. Archer; $300,000 • 3632 Voyager Lane; Buyer: Christian & Jane Serafin; Seller: William Lyon Homes Inc; $330,400 • 3244 Sagewater Ct.; Buyer: Steven & Patricia Boutelle; Seller: Charles Vonderheyde; $470,000 • 8223 Golden Eagle Road; Buyer: Charles Vonderheyde; Seller: Westlind Living Trust; $875,000

Johnstown • 4480 Thompson Parkway; Buyer: Mark & Rebecca Stanley; Seller: Jdp LLC; $134,900

Loveland • 3496 Peruvian Torch Dr.; Buyer: David & Jamie Tharp; Seller: Glen Development LLC; $58,500 • 140 S. Jefferson Ave.; Buyer: Ryan Mccarty; Seller: Caleb S. Eubanks; $179,900 • 2150 Diana Dr.; Buyer: David & Melissa Pugh; Seller: Benjamin & Owen Toale; $184,900

• 222 Medina Ct.; Buyer: Gordon & Marilyn Hughes; Seller: Kenneth R. Hanel; $233,000 • 315 Brittle Bush Dr.; Buyer: Michael & Jamie Helt; Seller: Midtown Homes Sierra Valley; $254,400

• 3200 Azalea Dr., Unit W4; Buyer: Dylan & Joy Price; Seller: Bridgitt D. Laday; $125,000

• 3129 6th Place SW; Buyer: Sean & Jamie Knaus; Seller: Randy Amys; $259,000

• 2828 Silverplume Dr., Unit A3; Buyer: Anna Gorham; Seller: Cassandra & Robert Poncelow; $178,800 • 5241 Rim Rock Lane; Buyer: Coy Bass; Seller: Michael D. Adams; $255,000

So do we.

• 911 N. Franklin Ave.; Buyer: Taylor & Kristine Barnhart; Seller: Neil Hilfers; $205,000

• 761 Cherokee Dr.; Buyer: Nathan & Phillip Zorich; Seller: Merklin A. Hughes; $325,000

• 2450 Hampshire Road, Unit 416; Buyer: Lindsay Mason; Seller: Joseph Ablao; $126,100

You want to make your business stronger.

• 4717 Jacks Ct.; Buyer: Shawn Welch; Seller: M. Yvette Berndt; $268,000 • 4239 W. County Road 14; Buyer: Adam Clark; Seller: Cody Dyer; $280,500 • 924 Garfield Ave.; Buyer: Chris & Stefanie Hansonmclane; Seller: Sisu Investments Lp; $330,000

See TRANSACTIONS page16

Whether it’s in print or on the web, your customers are checking us out. Let us help you create a strategy that will get customers through your door. Call 1-970-224-7714 to schedule a consultation today.

Together, we get results.


16 SATURDAY, JANUARY 18, 2014 REAL ESTATE WEEKLY

An advertising supplement serving Northern Colorado | www.coloradoan.com/homes

Transactions

$

(Continued from page 15)

389,900

• 4570 San Luis Place; Buyer: Bradley & Julia Stephens; Seller: Jennifer Barrett; $158,000 • 4024 Georgetown Dr.; Buyer: Kevin Bate; Seller: & Marguerite William; $221,000 • 4069 Swan Mountain Dr.; Buyer: John & Bethel Crockett; Seller: Frank A. Stone; $310,000

7403 Stonington Court, Fort Collins

Views, views, views! Come by to see this spacious, bright twostory home with fantastic views of the Front Range. 4 bed/3 bath/3 car garage home on a quiet cul-de-sac in popular subdivision w/ neighborhood pool, park and elementary school right down the street!

Directions: From College and Trilby, West to Avondale, South to Sedgwick. West on Sedgwick to Matheson, south to Keenesburg, west to Stonington, north to Property

)!$'+&$$ *("%&#

• 7215 W. County Road 24; Buyer: Randy & Sue Svilar; Seller: Peggy & Casey Criswell; $470,000

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Timnath • 6893 Alister Lane; Buyer: Steven & Nancy Bolander; Seller: Hartford Homes Inc; $542,000

Wellington

• 7795 Kelbran Lane; Buyer: Christopher Davis; Seller: Nicole Russo; $319,000

Submitted by you.

'2,#&1"5& 6. *3$&1/ 63+"/& '1&2$&1

• 239 Aspen Grove Way; Buyer: Tiffani Hammond; Seller: William Joseph Weber; $206,000

• 6887 Pettigrew St.; Buyer: Katherine Bridwell; Seller: Sage Homes LLC; $284,200

Breaking news.

-27 '399"&1

• 879 Cliffrose Way; Buyer: Charles Collentine; Seller: Joshua & Amanda Fetzer; $201,500

• 3300 Mammoth Ct.; Buyer: Mike & Anna Mckenzie; Seller: Justin & Denise Carey; $205,000

0/1 4'1+-1' 7#!#'9 21., "&%.%1 "!(1'%& -* 8)'% $),,-*& 5 6)'%/1'* $),)'.3)

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• 405 Mallard Dr.; Buyer: Dennis Porter; Seller: Fannie Mae; $172,000

• 3452 White Buffalo Dr.; Buyer: Noah Massin; Seller: Janet A. Griffith Trust; $200,000

FC-0000387382

Pam Collier 970-215-3439

• 3265 Crowley Circle; Buyer: George & Coleen Ligotke; Seller: Richard & Patricia Peterson; $386,000

Severance

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.com

Windsor • 5313 Schooner Lane; Buyer: Korey & Cheryl Jacquot; Seller: Shauna & Todd Sledge; $415,000 • 510 3rd St.; Buyer: Lili Jacobs; Seller: Amos & Amos Lawrence; $159,000 • 204 Valley Ct.; Buyer: Daniel & Sharlene West; Seller: Cynthia A. Scott; $235,000 • 718 Walnut St.; Buyer: Nicholas & Susan Orozco; Seller: Victoria & Bryan Queen; $235,000 • 1570 Edenbridge Dr.; Buyer: Brian & Marya Budden; Seller: Cody & Megan Keller; $241,400 • 1555 Dartford Dr.; Buyer: Joshua & Angela Petit; Seller: Melody Homes Inc; $254,800 • 154 Kitty Hawk Dr.; Buyer: Sean & Bianca Frank; Seller: Seaside Properties LLC; $279,900 • 635 Clarendon Dr.; Buyer: Bobby Sumner; Seller: Melody Homes Inc; $340,000


Real Estate Weekly January 18, 2014  

Your guide to Real Estate in Northern Colorado.

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