Northglenn Thornton Sentinel 011923

Our in-depth look at the housing crisis

Trickling up:

BY TAYLER SHAW AND LUKE ZARZECKI COLORADO COMMUNITY MEDIA

A home means everything to Shelley Gilson, a 50-year-old single mother of three girls who works as a guest service agent at an airline.  “It’s one word: priceless,” she

said.

e rising cost of housing in the Denver area has made it di cult for her to a ord a home. She spent years bounding around working for low pay, including to several a ordable housing communities across the state.

Eventually, more than a decade ago, she found a home at Orchard Crossing Apartments in Westminster. It is an a ordable housing community that includes Section 8 housing, the federal government program that provides vouchers to low-income families, the disabled and elderly.

Thornton police release body camera video from shooting

BY LUKE ZARZECKI LZARZECKI@COLORADOCOMMUNITYMEDIA.COM

ornton police have released a video showing the moments before an o cer shot a man on Interstate 25 last fall. e video shows several o cers responded to 911 calls that the man, later identi ed as Darylray Lopez, 29, of Denver, was walking on the highway, causing cars to swerve. e video from the Sept. 5, 2022, incident shows an o cer approaching Lopez, whose face is blurred out, on the opposite side of the concrete barrier in the middle of the highway that divides tra c.

“Do you need help?” the o cer asks. “Do you need an ambulance?”  e man backs away from the barrier and then turns toward a second o cer on the other side of the barrier. e video shows the man approaching with what the o cer believes to be a weapon.

“Put it down!” the o cer yells. “Put it down, now! Put the knife down!” e man raises his arms and continues to approach the o cer who shoots three times at the man. e department released the footage, showing three o cers’ perspectives, as part of a recorded brie ng on You Tube on Jan. 12. e video includes an explanation from the department that the case remains under investigation. Police O cer

Arthur Brown was placed on leave after the shooting.

O cer Jesus Mendez, a public information o cer, said in the video that the case is being investigated by the 17th Judicial District.

“Our understanding of this incident may change as additional

How housing is becoming less a ordable for more Coloradans

More dead birds found in Westminster, Adams County

Avian flu reaping havoc on flocks of geese

BY LUKE ZARZECKI LZARZECKI@COLORADOCOMMUNITYMEDIA.COM

Dead birds have been showing up across Adams County and Colorado since the fall of 2022, and reports keep coming in.

After Adams County reported a dead red-tailed hawk found at Barr Lake State Park had tested positive for the Highly Pathogenic Avian Flu, a ock of geese were found dead in a retention pond in the south western part of the county. HPAI is suspected in those deaths.

Now at least 20 birds have been found dead in Westminster, most centered in the City Park area. HPAI is suspected int hose deaths as well.

“HPAI is a new strain of avian in uenza that is causing widespread mortality in some species of wild birds,” wrote Kara Van Hoose, a spokesperson for Colorado Parks and Wildlife.

So far, birds across the state have been a ected, including 6,376,000 commercial chickens, 924 backyard poultry and 12,000 gamebirds, Van Hoose wrote.

e Colorado Sun reported that the decrease in birds also meant a decrease in the production of eggs, raising the cost that residents see in grocery stores.

According to the Sun’s reporting, the number of eggs produced in October was one-third of the number from previous months. e price

of eggs shot up to $3.59 a dozen in November.

A news release from Adams County says on Dec. 27, 100 Canadian geese were found dead in an oil and gas pond, and a red-tailed hawk at Barr Lake State Park was found as well.

e red-tailed hawk tested positive for a highly pathogenic avian in uenza. e geese were not conrmed to have died from HPAI, but it’s likely, according to the county’s statement.

As of Jan. 10, approximately 20 dead geese were found in Westminster, with City Park serving as the location with the largest die-o . CPW has not tested the geese for avian u, but the birds display the symptoms, according to City Spokesperson Andy Le.

Le said animal management anticipates more die o s in the future.

In Northglenn, City Spokesperson Diana Wilson said a similar situation is happening in their parks, though they don’t have an exact number. ornton Spokesperson Todd Barnes said nothing has been

reported in his city.

According to Adams County, the current strain has been identi ed in all 50 states. It’s also been detected in all four North American migration yways and is expected to persist through spring migrations, according to Van Hoose.

e county encourages bird owners to work to ensure domestic birds do not come into contact with wild birds, and keep poultry con ned inside during this high-risk period of migratory bird activity. e county also encourages bird owners to limit tra c on and o farms and use personal protective equipment and disinfection when caring for birds to avoid introducing HPAI.

Although it’s rare for an HPAI strain to cause infections and illness in humans, Le said for residents to not approach the birds.

“If you nd three or more dead wild birds in a speci c area within a two-week period OR if you see live birds showing clinical signs of disease, please contact your local Colorado Parks and Wildlife o ce,” Van Hoose said.

Westminster addresses EPA for leaded fuel at airports

STAFF REPORT

Westminster approved a letter to the Environmental Protection Agency regarding their endangerment finding on leaded fuel at airports on Jan. 9 at a post-city

council meeting.

“Toward this end, Westminster City Council is writing to support the EPA and the FAA’s efforts to appropriately and promptly address lead pollution from aircraft,” the letter reads.

The letter cites the health and well-being of Westminster residents as to why they support the EPA’s actions.

The city sits next to Rocky Mountain Metropolitan Airport which serves aircraft that use leaded fuel. RMMA ranks 63rd on the top 100 lead-emitting airports in the country. The airport dropped 580 pounds of lead in 2017.

On Oct. 7, 2022, the EPA proposed the endangerment finding and is undergoing public notice and comment. Any final endangerment finding will be released in 2023.

“EPA is not proposing aircraft engine lead emission standards with this action. EPA’s consideration of endangerment is a first step toward application of EPA’s authority to address lead pollution.

If the proposed finding is finalized, EPA would subsequently propose regulatory standards for lead emissions from aircraft engines,” the news release reads.

On Aug. 15, 2022, Mayor Nancy McNally asked city staff to explore the possibilities for testing lead around RMMA. However, the city’s toolbox is limited since Westminster doesn’t have jurisdiction over the airport.

“Westminster has rejoined the Rocky Mountain Metropolitan Airport’s Community Noise Roundtable. Discussions are ongoing about a number of community concerns including noise and pollution, but next steps have not been established by the airport authority and the surrounding communities,” City Spokesperson Andy Le wrote in an email.

Man draws 35-year sentence in Westminster murder case

STAFF REPORT

An Adams County jury convicted a 22-year-old man of second-degree murder following an incident in Westminster more than two years ago.

e jury convicted Christopher Matthews after a ve-day jury trial in Brighton. A judge sentenced him to 35 years in prison.

A press statement from the 17th Judicial District Attorney’s O ce said Matthews picked up the victim, 20-year-old Tanner Banderet, from an apartment complex to nish up a drug deal.

“As Matthews was driving his Cadillac near 116th Avenue and Pecos Street, the defendant grabbed his Glock handgun that was sitting in the cup holder of the center console,

pointed it at Banderet, and red a single shot that struck the victim behind the left ear in the carotid artery,” the statement said.

Matthews then took o his shirt, threw it over Banderet’s head, drove to a eld along West 84th Avenue in Westminster and dumped the victim’s body, the statement said. Before Matthews left, he emptied the victim’s pockets and left with cash, cocaine and Bendaret’s ID. e DA’s o ce said Matthews deep-cleaned the car and disposed of evidence.

“ is defendant destroyed a life,” said District Attorney Brian Mason in the statement. “He will now serve a lengthy sentence for this serious crime. I am grateful to my team at the DA’s O ce for their hard work on this challenging case and to the jury for returning a just verdict.”

A small flock of Canadian geese cluster over a small patch of uncovered grass Jan. 8 at Thornton’s Woodglenn Meadow Park.

PHOTO BY SCOTT TAYLOR

POLICE

1

evidence is collected, analyzed and reviewed, “ Mendez said. “We do not draw any conclusions about whether o cers acted consistent with our policies or the law until our investigation is complete.”

In an incident report previously obtained by Colorado Community Media, Brown said the suspect was about 15 feet away from him “when he began to charge.”

“O cer Brown said after the male took two steps he thought, ‘I have to react now, otherwise this guy going to kill me,’” according to the report.

In a statement, witness Daniel Coughlin said he saw the man charge at the o cers but didn’t see anything in his hands.

e report also said Amber Cisneros, Lopez’s stepmother, indicated Lopez was acting “a little paranoid” the morning of the shooting.

“Amber said that he had never (o cially) been diagnosed with any mental disabilities, but that he had PTSD for being in prison for 10

years,” the report reads.

However, the report also says he had a prescription for Gabapentin. According to the National Library of Medicine, Gabapentin treats seizures by decreasing abnormal excitement in the brain.

Cisneros also said Lopez had been released from prison about a year before the incident and was doing well, but had recently lost his job and was looking for another.

Mental health units have been deployed along the Front Range in hopes of de-escalating deadly encounters with police o cers.

Joseph Walker, a spokesperson for ornton police, said the department doesn’t have a mental health co-responder program, but one is in the works.

ough the police report does not include a knife as recovered evidence, Walker said one of the agencies within the judicial district’s Critical Response Team, which is serving as the lead investigator, may include details about the reported knife within their report.

Christopher Hopper, a spokesperson for the district, said the agency has yet to release a report.

FROM PAGE

A screenshot of the YouTube video the Thornton Police Department released regarding the police shooting on Interstate 25 on Sept. 5, 2022. COURTESY THORNTON POLICE

Adams County o cials swear oaths of o ce

said. “We have a band, we have a bar and we are looking forward to a couple of hours of fun. So please stick around with us. I know the formal ceremonies have concluded, but we’d love to spend some time with some Adams County people.”

Emma Pinter doubled down on progressive values in her 2023 inauguration address, promising to support Adams County LGBTQ residents and protect abortion rights.

“We need to make sure that all of our services have this framework of care and community for all who live here,” Pinter said.

“It is important that when you look at the care provided by every aspect of our community, that we are thinking about everyone that lives here,” Pinter, the Commissioner for Adams County’s District 3, said. “You don’t want to be worried about your civil rights when you are seeking medical care.”

Pinter was one the of six county o cials and one 17th District Judge that swore their oaths of o ce Jan. 10 at the Waymire Dome in the county’s Riverdale Regional Park.

Chief District Judge Don Quick, who administered the oaths, said only new Treasurer and Public Trustee Alex Villagran missed the inaugural ceremony because he is traveling. Quick said he administered Villagran’s oath on Christmas Eve.

It was the rst live inauguration the county has hosted since the COVID shutdowns. e 2021 inaugural ceremony was done via Zoom, and the 2023 event was largely an afternoon celebration, with food and a live jazz trio performing before and after the o cial ceremony.

Deputy County Manager Jim Siedlecki encouraged the attendees — mostly county employees and family — to stick around after the o cial ceremony concluded.

“We know you have private parties planned this afternoon but you don’t have to rush out of here,” Siedlecki

Pathways

And county o cials, especially county Democrats, had plenty to celebrate after sweeping all county categories for the second straight election cycle.

e winners who were sworn in Jan. 10 had plenty of gratitude for their supporters. Pinter, who had 90,541 votes to Republican challenger Sean Forest’s 71,129, thanked her family and her supporters.

“It’s a lot to ask your family to join you in public service,” she said.

“And it’s even more to ask them to come along and campaign with you county-wide.”

Pinter said one of the most common questions she was asked during her campaign was just what a County Commissioner does. For Pinter, it’s being the builders of pathways.

“We build pathways to success, whether it’s to start a small business, pathways to a job, pathways to services whether it is Head Start or a food access program,” she said.

“We also build the literal roads and pathways and bike lanes that connect our beautiful county and work with our federal and state partners to make sure they stay in good working order.”

District 4 Commissioner Steve O’Dorisio, who defeated challenger Joseph Domenico 90,438 votes to 68,621 to win re-election, said he is grateful for his family and his supporters as well as other county ocials and sta that have helped him.

“You look around and see that some people spend their whole life trying to get what they deserve,” he said. “I am committed to working the rest of my life to deserve all that I’ve been given.”

is is O’Dorisio’s third and nal

term in the o ce. His term ends in 2027.

“I don’t know where we are going to be in four years or what’s going to happen in four years,” he said. “I know there are issues that we run on and issues that run us if we are not careful. ere are issues we choose and issues that choose us. Over the last four years, we have dealt with a global pandemic, growing homelessness and housing problems and in ation. ese are not issues that I thought I would be dealing with over the last four years, so who knows where we will be in the next four years?”

New Sheri Gene Claps defeated then-Sheri Rick Reigenborn in the 2022 Democratic primary before beating former Sheri Mike McIntosh in November’s race 85,860 votes to 76,117.

Claps said he learned a lot during his campaign.

“ ese last two years have been incredible,” Claps said. “I have knocked on countless doors, attend-

ed community meetings and events and listened to what matters to you most of all, that is making our community safe for everyone and I am con dent we can lead our sheri ’s department in the right direction.”

Other county o cials swearing their oaths of o ce, included Assessor Ken Musso who claimed 90,732 votes to challenger Hieu Truong Nguyen’s 68,850; Clerk and Recorder Josh Zygielbaum who defeated challenger Karen Hoopes 90,262 votes to 69,488. Coroner Monica BroncuciaJordan, who had 91,597 votes to challenger David Shaklee’s 68,372 votes was also sworn in.

Chief Judge Quick also administered the oath of o ce to Judge MaryAnn Vielma. Five other judges —Emily Lieberman, Rayna Gokli McIntire, Patrick Pugh, Kyle Seedorf and Je rey Smith, were in court during the inaugural ceremony and were sworn individually.

County Commissioner Emma Pinter, flanked by family members, takes her oath of office from Chief District Judge Don Quick Jan. 10 at the Adams Inauguration celebration at the Riverdale Regional Park. PHOTO BY SCOTT TAYLOR

Commissioners vow to protect civil rights, work to make county better

Big lines from Gov. Jared Polis’ 2023 inaugural

Kicks o second term

BY JESSE PAUL, ELLIOTT WENZLER AND SANDRA FISH THE COLORADO SUN

Gov. Jared Polis provided a road map for how he plans to spend his next four years leading Colorado as he was sworn into o ce for his second term.

“When you listen to enough folks, you realize that in many ways people across our state are asking for some of the same things in di erent ways: practical solutions to the rising cost of living in every corner of our state, safe communities, good schools, a ordable access to health care, the opportunity to build a great life for yourself and your family and the freedom to forge your own path without the government telling you how to live your life,” Polis said in a speech delivered on the west steps of the Colorado Capitol.

He added: “I don’t think I’d be standing before you today if we hadn’t shown some real progress on delivering on di erent parts of this vision.”

Here are the top lines from the Democrat’s 2023 inaugural address:

1. “Throughout our first term, we may have crossed some big things o our to-do list, but that doesn’t mean the list in front of us today is any shorter than it was four years ago.”

Polis was busy during his rst term. He signed into law bills reimagining Colorado’s oil and gas regulations, providing universal kindergarten access and targeting high health care costs.

e governor is still working out what his agenda will be over the next four years — it wasn’t clear until after the Nov. 8 election that he would continue to have a Democratic legislature to work with — but his line about a long to-do list ahead suggests he plans to be as busy in the next four years as he was during the last four.

We know that a ordable housing, water management and conservation, and economic development are top of mind for Polis.

2. “Anything we can do, we must when it comes to helping you hold onto more of your hard-earned money.”

e governor and Democrats in the legislature started really prioritizing a ordability in Colorado during the 2022 legislative session. ey plan to continue making it a focus this

year, though it’s not so clear how.

In 2022, the legislature slashed and paused fees — several of them enacted by Polis and Democrats in prior years — and reshaped the tax code to try to lower Coloradans’ nancial burden. e General Assembly isn’t planning to continue the vast majority of the fee relief, instead focusing on what Senate President Steve Fenberg, D-Boulder, called “structural problems.”

A ordable housing will be a big focus.

“For many people in our state, life is too hard and too expensive,” Polis said. “We’re going to reduce housing costs across Colorado with options for every budget to a ord to live in communities where people work and want to live.”

e governor also promised “lower taxes, lower transportation costs, lower medical bills, lower business fees and, of course, lower housing costs.” He didn’t outline his detailed plans for accomplishing that hefty list of vows.

3. “We’re going to tackle crime head on, yes by holding criminals accountable, but also by preventing crime before it happens.”

is was one of the most interesting lines of the governor’s speech.

There are many criminal justice activists in the legislature now, including state Rep. Elisabeth Epps, D-Denver, who don’t want to see Colorado enact any new criminal penalties. Instead, they want to see more investment in behavioral health and drug treatment.

Polis wants those things, too, but he has also already called for the legislature this year to beef up Colorado’s car theft statutes to combat the rising number of stolen vehicles across the state.

Republicans in the legislature see tougher criminal

penalties as the sole solution to Colorado’s rising crime rates. Polis appears to be walking a line between the sides.

4. “We’re going to continue on our bold path toward making Colorado 100% renewableenergy by 2040.”

is is a promise Polis made during his rst gubernatorial campaign, in 2018. e governor has said the state has already “locked in” 80% renewable energy by 2030. But what steps the legislature and the Polis administration will take to make the goal a reality remain unclear.

Gov. Jared Polis is being sworn in standing next to his husband, Marlon Reis, Tuesday, Jan. 10, 2023, at the Colorado State Capitol in Denver.

PHOTO BY HUGH CAREY / THE COLORADO SUN

Polis calls for more property tax relief

Asks for $200M

BY JESSE PAUL THE COLORADO SUN

Gov. Jared Polis wants state lawmakers to deliver an additional $200 million in property tax relief over the next two years, bringing the total respite o ered by the legislature over that period to $900 million, as Democrats and Republicans debate a long-term solution to rising tax bills resulting from skyrocketing property values across Colorado.

If the legislature, which begins its 2023 lawmaking term Monday, approves the expanded relief, it will mark the third time in as many years state lawmakers slap a Band-Aid on the problem that is Colorado’s property tax situation, which has big rami cations for schools and local government entities funded by property tax revenue.

A long-term solution palatable to many people and groups involved in the discussions, however, remains elusive, which is why Polis and the General Assembly keep o ering temporary xes.

Polis made the additional relief request in his supplemental budget request last week. He didn’t say how the relief should be o ered, however, explaining that he will mostly leave that to the legislature.

If the legislature approves Polis’ request — and that’s a big “if” — it will be the second time in two years

state lawmakers will have limited the increase in Coloradans’ property tax bills for 2023 and 2024 in anticipation of a jump in property tax assessments. e General Assembly in 2022 cut $700 million from Coloradans’ expected property tax bills for those years.

“Assessments had a greater increase than any of us thought — 26.5%,” Polis said last week during a news conference. “We’re happy with the relief we provided. Assessments came in higher, so it warrants additional relief.”

e governor wants the legislature to use $200 million of its discretion-

ary general fund money to back ll tax revenue lost to school districts and other local government entities. State lawmakers may be reticent to hand over the cash, however, given the in ationary budget crunch they face this year.

Senate President Steve Fenberg, D-Boulder, told e Colorado Sun he thinks lawmakers “are open to doing general fund investments” to blunt the impact of rising assessment rates.

“I think it will happen, though, simultaneously with a longer-term (property tax) solution rather than having to do this every year,” Fenberg said. “I think the bigger question is what ways can we solve the structural problem and get property taxes on the more sustainable path for residences as well as for commercial properties.”

Fenberg was referencing a replacement for the Gallagher Amendment, which Colorado voters stripped from the state constitution in 2020. Gallagher prevented residential property tax bills from quickly rising by shifting the tax burden to commercial property owners through assessment rates, which help determine how much property owners pay in taxes. But Gallagher collided with another constitutional amendment, the Taxpayer’s Bill of Rights, in a way that hamstrung the government entities that rely on property tax revenue.

“In my opinion, and I’ve been watching this from the outside for the last number of years, when the good voters of the state of Colorado decided to repeal the Gallagher Amendment there were a couple of things they didn’t realize,” said incoming state Rep. Lisa Frizell, a Castle Rock Republican and a former Douglas County assessor. “One was that they laid the establishment of assessment rates solely (at the feet of) the legislature, which was a bit concerning.”

Frizell said the legislature keeps kicking the property tax problem down the road, but she admits it’s difcult to come up with a permanent x.

“I don’t have a slam-dunk solution,” she said, adding that she expects home values to increase at a much larger clip than the 26.5% rate cited by Polis.

Polis agrees that a long-term replacement to Gallagher is needed. But neither he nor Democrats in the legislature have publicly o ered any

concrete solutions, and both chafed last year at ideas o ered by conservatives, including permanent rate reductions and caps on property tax increases.

“We need some mechanism to prevent runaway property tax rates and also to address some of the injustices that Gallagher created, namely a commercial property rate that is several times higher than many other states,” Polis said. “What are we looking for? Some reductions in commercial property taxes — bene ting our small businesses, making our state more competitive, creating jobs — and then a mechanism to protect homeowners from being priced out of their homes.”

e legislature can — and may — punt on a long-term replacement for Gallagher until the 2024 lawmaking term since the relief it has passed lasts through next year.

Last year’s property tax ght was feisty and it ended with something akin to a hostage exchange in the basement of the Colorado Capitol as interest groups backed o their plans to ask voters to make broad changes to the property tax system. ere was also a property tax debate at the Capitol in 2021.

Michael Fields, a conservative scal activist with the political nonpro t Advance Colorado Action, has been a key player in state property tax discussions. He said he’s waiting to see what the legislature comes up with this year before deciding whether to try to shape policy through a ballot measure. (A 2021 property tax ballot measure led by Fields that would have cut assessment rates for some types of property failed.)

Scott Wasserman, who leads the Bell Policy Center, a liberal scal policy nonpro t, is another key player in the property tax policy debate. He said he is working on proposals.

“ is is just not a sustainable way to solve the problem,” he said of the year-after-year relief measures debated in the legislature. “It’s $200 million this year. How much is it going to be next year?”

Frizell is planning to introduce a bill this year that would prevent home values from being changed by county assessors in 2023, as planned, to prevent a big jump in Coloradans’ property tax bills. Instead, she proposes the state legislature increase home values last determined in 2021 by 5%, giving lawmakers time to come up with a long-term property tax solution before 2025, when home values are set to be evaluated by assessors once again.

“I don’t think throwing money at it is always the solution,” Frizell said.

Additionally, Republicans plan to ask the legislature this year to approve the creation of a property tax task force to come up with a longterm x.

Here’s what the legislature did in 2022 through the passage of Senate Bill 238 to reduce Coloradans’ rising property tax tab: e residential assessment rate used to calculate how much a residential homeowner owes in property taxes in 2023 is reduced to 6.765% from 7.15%. Additionally, the rst $15,000 in actual value of a resi-

Gov. Polis addresses the crowd at the ground breaking.

PHOTO BY OLIVIA JEWELL LOVE

FROM PAGE 5

Liberal Democrats and Polis have clashed in recent years over policies aimed at reducing greenhouse gas emissions and mitigating climate change.

Polis also mentioned during his speech that Colorado has an “increasingly scarce water supply,” but he didn’t provide any speci c plans on how to address that fact.

5. “Nobody could have predicted all that these last four years would bring, the trials, the tribulations, the challenges.”

Polis’ rst term was marked by a string of tragedies and hurdles, the biggest of which was undoubtedly the COVID-19 pandemic.  e pandemic began a little over a year after Polis took o ce, forc-

PROPERTY

FROM PAGE 6

dential property is waived as long as doing so doesn’t cause the assessed property value to fall below $1,000. For commercial properties, the assessment rate in 2023 is reduced to 27.9% from 29%. Additionally, the rst $30,000 in actual value of a commercial property is waived as long as doing so doesn’t cause the assessed property value to fall below $1,000. Assessment rates are important because they are used to calculate how much someone owes in taxes. e

ing him to lead the state through a once-in-a-century global disaster, which is still unfolding. e governor shut down schools and businesses, asked people not to leave their homes and had to abandon at least a year of policy proposals at the legislature as the state prepared for a sharp tax revenue decrease that never materialized.

Polis didn’t directly reference the pandemic and the upheaval it caused during his speech Tuesday, but it was clear that is what he was talking about.

Meanwhile, two tragedies hit close to the governor’s Boulder home during his rst term. In March 2021, 10 people were killed in a shooting at a King Soopers grocery store in the Table Mesa neighborhood. en, in December 2021, the Marshall re destroyed more than 1,000 homes in Superior and Louisville.

Just weeks after his reelection,

rate is multiplied by a home’s market value, which is determined by a county assessor. What a property owner pays is then determined by the mill levy rate. A mill is a $1 payment on every $1,000 of assessed value. e 2023 reduction will mean that a residential property owner who owns a home worth $300,000 with a mill levy of 100 will pay about $1,900 versus $2,145. ( e state has a good explainer on this here.)

In 2024, the rates will go up slightly. For single-family residential property owners, the assessment rate will be approximately 6.95%, down from 7.15%. For multifamily residential property, the rate will be 6.8%.

(Why approximately, you ask? e

ve people were killed and at least 17 others were wounded in a mass shooting at Club Q, a gay nightclub in Colorado Springs.

e state has also contended with several other record-breaking wild res over the past few years, including the Cameron Peak, East Troublesome and Pine Gulch res. A total of 6,761 wild res burned more than 744,120 acres in Colorado in 2020 alone.

Addressing such emergencies over the past four years often distracted Polis and the legislature from their aspirations. Polis acknowledged Tuesday the future always holds uncertainty.

6. What the governor didn’t mention Abortion and gun control.

Democratic lawmakers this year are expected to introduce legislation tightening Colorado’s gun regulations, including by enacting a waiting period between when

single-family residential property assessment rate will be set in 2024 at a level to be determined by the state property tax administrator to ensure that the state hits its $700 million property tax relief target for the 2023 and 2024 property tax years.)

For those who own commercial property used for agriculture and/ or to produce renewable energy, the 2024 assessment rate will be 26.4%, down from 29%.

e 2024 rates match a reduction approved for the 2021 and 2022 tax years under a measure passed by the legislature in 2021.

Finally, the legislature extended a change allowing senior citizens to de-

someone can purchase a rearm and access that weapon and by raising the age at which someone can purchase a ri e or shotgun to 21.

e legislature is also poised to expand who can petition a judge to order a temporary seizure of someone’s guns under what’s called the red ag law.

Some Democrats, including Epps, want to go even further by banning a host of semi-automatic weapons, a policy proposal the governor is likely to reject.

Democratic leadership in the legislature also plans this year to shore up abortion access in Colorado, indicating reproductive rights will be a major focus of the General Assembly in 2023. e governor, however, did not mention abortion once during his inaugural address despite signing into law last year a measure enshrining nearly unfettered abortion access in Colorado.

fer all of the increases in their property taxes until they sell their homes while allowing everyone else to defer any increases over 4%.

It’s likely that if more property tax relief is approved by the legislature in 2023, as Polis hopes, it will simply be made by expanding the breaks offered by Senate Bill 238.

is story is from e Colorado Sun, a journalist-owned news outlet based in Denver and covering the state. For more, and to support e Colorado Sun, visit coloradosun.com. e Colorado Sun is a partner in the Colorado News Conservancy, owner of Colorado Community Media.

Graduation rates increase in 27J Schools for a fifth year

In spite of a pandemic-caused disruption of academics, 27J Schools’ graduation rates increased for a fth straight year, according to the district. e rate was almost 91 percent for the 2021-2022 school year, the district said in a press statement. For comparison, 27J matched Cherry Creek Schools for the third-highest rate. e state average was a bit more than 82 percent.

e district also said it has the highest graduation rate among Hispanic students, students of color, English

Language Learners, among homeless students, among foster children and among Title I students. Among its Adams County peer districts, 27J has the highest graduation rate for the fth year in a row, according to 27J o cials.

e district has three high schools, Brighton High School, Prairie View High School in Henderson and Riverdale Ridge in ornton.

In the press statement, deputy Superintendent Will Pierce said the results are part of the district’s mission to empower today’s students to take control of their future tomorrow.

When asked about its keys to suc-

cess, Deputy Superintendent Will Pierce says it’s all about 27J’s mission of empowering every student today to take control of their future tomorrow.  e district said it used graduation rates to make changes in its support of students as they nish high school and graduate on time. As an example, 27J said it took the pro le of students in advanced courses and matched it with students of color who weren’t enrolled. e result, the district said, was an increase in the number and diversity of students taking higher-level courses. In turn, the result was more students involved in the highest levels of learning.

Spokeswoman Janelle Asmus said school counselors approach students any time they fall behind in their work as opposed to waiting for seniors to be partway through their last year of school to see if they are on track to graduate. e counselors can build a plan for students to regain missed credits that could get in the way of an on-time graduation.

“We don’t wait for a student to take credit recovery courses during the summer, or the spring before graduation,” Pierce said in the statement. “We intervene to rectify the problem as soon as we see it.”

Colorado’s high school graduation rate jumped in 2022

BY ERICA BREUNLIN THE COLORADO SUN

Colorado’s four-year high school graduation rate for the class of 2022 ticked up to 82.3%, jumping 0.6 percentage points from the previous year, according to data released by the Colorado Department of Education.

e increase marks a turnaround from 2021, when the state’s high school graduate rate dropped for the rst time in more than a decade, dipping from 81.9% for the graduating class of 2020 to 81.7%.

However, the state’s dropout rate also increased 0.4 percentage points from 2021 to 2.2% — the rst time the dropout rate went up since 2015, according to a news release from the state education department. Across

the state, 10,524 students in grades 7-12 dropped out during the last school year while nearly half of all 178 school districts saw a year-overyear increase to their dropout rates.

e most recent boost in the state’s graduation rate adds to a trend of improvements since 2010, when Colorado changed how data is reported. e four-year graduation rate has increased by 9.9 percentage points in that time period, according to the release.

Last year, 56,284 students completed high school in four years — an increase of 442 students from 2021, according to the Department of Education.

“I’m so excited that last year more kids than ever graduated from Colorado public schools, with increased graduation expectations and despite

the challenges of the pandemic,” Colorado Education Commissioner Katy Anthes said in a statement. is is the rst year Colorado expanded ways that students can earn enough credits to graduate. Individual school districts can use a “menu” provided by the state that allows students to demonstrate their readiness for their next step, including through standardized assessments like the SAT and ACT, an extensive capstone project or completion of courses that earn them college credit while they’re still in high school.

Additionally, the state’s graduation rates for students who earned a diploma over six and seven years also increased, according to the media release.

Students of color also made notable strides in graduating. e

four-year graduation rate for students of color in 2022 was 76.8% — 0.7 percentage points more than the previous year. Black students saw an increase of 1.4 percentage points from 2021, with a graduation rate of 77.4% while Hispanic students’ graduation rate was 75.1%, 0.9 percentage points higher than the previous year. Still, achievement and opportunity gaps persist between students of color and their white peers, whose 2022 graduation rate was 87.3%.

is story is from e Colorado Sun, a journalist-owned news outlet based in Denver and covering the state. For more, and to support e Colorado Sun, visit coloradosun.com.

e Colorado Sun is a partner in the Colorado News Conservancy, owner of Colorado Community Media.

By Thornton Wilder } Directed by Geoffrey Kent

Dry January: giving up drinks for a month

People all over Colorado are spending the month of January sober; here’s why

BY OLIVIA JEWELL LOVE OLOVE@COLORADOCOMMUNITYMEDIA.COM

Chances are if you’re on social media, you’ve heard of “Dry January,” the trend of giving up alcohol for the rst month of the year. According to some Colorado residents, the challenge isn’t new, but it is worth a try.

Kara Rowland, a 39-year-old Denver resident, is on her third year of the challenge. She has family at home in D.C. taking on the challenge with her, but as far as her local Colorado group goes, she’s doing it alone.

“Out here it really is a solo e ort,” Rowland said. “You can’t go a block here, especially in downtown Denver, without hitting a brewery.”

It’s not just the city that experiences the alcohol-heavy social culture. Steve Indrehus is the director of brewing operations at Tommyknocker Brewery in Idaho Springs. He said alcohol was a big part of older generations, like his.

Others continue to sound o on social media, explaining their reasons for going sober all year long, and saying the social landscape in society doesn’t exactly make it easy.  Indrehus thinks now however, he’s starting to see a shift.

“ e younger generations aren’t leaning on alcohol as hard for social

interaction,” he said.

“Dry January” is a phenomenon Indrehus has seen grow over the years, even beyond the month.

“ e non-alcoholic category is entering our culture and becoming a stable part of our culture,” he said.

Tommyknockers has ventured into the category, o ering a NA version of its most popular beer, the Blood Orange IPA.

Indrehus himself is participating in “Dry January,” explaining that he can already see a di erence in his focus and sleep. He said he also likes the aspect of leaving his comfort zone.

“I like uncomfortable, challenging things,” he said.

Indrehus said there are some misconceptions about NA beer, mainly in that people expect it to be cheaper. He explained that it’s actually the opposite.

“Most people would think NA beer would be less expensive because it doesn’t have alcohol, but it’s actually more expensive,” he said.

Essentially, brewers like the team at Tommyknockers have to go through the process of making beer but then take the alcohol out, which takes more time, labor and money.

Rowland, a self-proclaimed craft beer enthusiast, has been exploring NA options during the month.

“I went to dinner with a friend last Saturday and the restaurant had some NA options,” she said. “ ere’s some, if I gave it to you, you would not know it’s a NA beer.”

Besides taking the month to get perspective of her drinking habits, Rowland said she’s also seen posi-

tive e ects on her body.

“I think having zero alcohol improves your sleep,” she said. She also noticed a renewed glow in her complexion.

“Maybe it’s a placebo e ect, but I look in the mirror and I swear my skin looks a little better,” she said.

Dr. Manan Shah, ENT and Chief Medical O cer at Wyndly, said the improvements in sleep are just one real side e ect of “Dry January.” He

explained that better sleep is one of the biggest bene ts he sees from giving up alcohol.

“Alcohol a ects your sleep, even if you only have one or two drinks, your sleep will markedly improve if you drop alcohol,” he said.

Shah added that dropping the drink can also help decrease your risk of cancer, improve sex drive, help weight loss and support a healthy immune system.

SHUTTERSTOCK IMAGE

Thu 1/19

Sat 1/21

Climbing Crew @ 12am

Jan 21st - Jan 20th

Bison Ridge Recreation Center, 13905 E. 112th Avenue, Commerce City. 303-2893760

Professional Rodeo

@ 1:30pm

Denver Coliseum, 4600 Humboldt St., Denver

All Levels Bird Walk @ 8am

Standley Lake Regional Park & Wildlife Refuge, 11610 West 100th Avenue, Westminster. standley lake@cityofwestminster.us, 303425-1097

Teens: Slick City @ 6:45pm

Denver Nuggets vs. Oklahoma City Thunder

@ 6pm / $12-$2540

Ball Arena, 1000 Chopper Circle, Denver

Drums of the World (1/22) @ 8:30pm

Eagle Pointe Recreation Center, 6060 E. Parkway Dr., Commerce City. 303-2893760

Mon 1/23

Money Matters: It’s your dough, make it stretch @ 5:30pm

Anythink Huron Street, 9417 Huron Street, Thornton. swhitelonis@any thinklibraries.org, 303-452-7534

Birthday Celebration (Jan) @ 8pm

Eagle Pointe Recreation Center, 6060 E. Parkway Dr., Commerce City. 303-2893760

Candlelight Dinner Theatre/Motones & Jerseys

@ 11:45pm

Fort Lupton Recreation & Parks De‐partment, 203 S Harrison, Fort Lupton. 303-857-4200

Fri 1/20

Breakfast Burrito Bingo 1/20 @ 4pm

Bison Ridge Recreation Center, 13905 E. 112th Avenue, Commerce City. 303-2893760

Fort Lupton Community / Recreation Cen‐ter, 203 S. Harrison Avenue, Fort Lupton. 303-857-4200

Cowboy Dave: National Western Stock Show rodeo after party

@ 9:30pm

Denver Coliseum, 4600 Humboldt St, Denver

Eric Golden @ 7pm

Vfw Post 7945, 10217 Quivas St, Thornton

Sun 1/22

World of Beers Series 21+ @ 2am

Jan 22nd - Jan 21st

Offsite, 6060 E Parkway Drive, Commerce City. 303-289-3760

Sled dog talk with Chloe, Nog‐gin and their musher Karen @ 2pm

Anythink Brighton, 327 East Bridge Street, Brighton. rbowman @anythinklibraries.org, 303-4053230

100 Things to Do Before You're 12 @ 5pm

Bison Ridge Recreation Center, 13905 E. 112th Avenue, Commerce City. 303-2893760

National Pie Day @ 10pm

Eagle Pointe Recreation Center, 6060 E. Parkway Dr., Commerce City. 303-2893760

Tue 1/24

New Year, Get in Gear! @ 1am

Jan 24th - Apr 12th

Bison Ridge Recreation Center, 13905 E. 112th Avenue, Commerce City. 303-2893760

Colorado History Center (1/24) @ 4pm

Eagle Pointe Recreation Center, 6060 E. Parkway Dr., Commerce City. 303-2893760

Tuesday Movie Matinee at Eagle Pointe 1/24

@ 8pm

Eagle Pointe Recreation Center, 6060 E. Parkway Dr., Commerce City. 303-2893760

Wed 1/25

Fitness for the Family

@ 1:30am

Jan 25th - Mar 7th

Eagle Pointe Recreation Center, 6060 E. Parkway Dr., Commerce City. 303-2893760

Coffee with Charity Clifton from Oak Street Health (1/25)

@ 4pm

Eagle Pointe Recreation Center, 6060 E. Parkway Dr., Commerce City. 303-2893760

Thu 1/26

Jenny Shawhan @ 4pm

Harry's at Magnolia Hotel Denver, 818 17th St, Denver

Professional Rodeo @ 2pm

Denver Coliseum, 4600 Humboldt St., Denver

Hiking Program- Barr Lake @ 8pm

Offsite, 6060 E Parkway Drive, Commerce City. 303-289-3760

Colorado Avalanche vs. Anaheim Ducks @ 7pm / $49-$999 Ball Arena, 1000 Chopper Circle, Denver

Call

T

LOCAL

LOCAL VOICES

Beware: Local control is under attack

I have previously written about the “noise” the Denver Regional Council of Governments (DRCOG) has been making about fewer parking lots, more public transportation and more dense residential developments. Their focus is especially on air quality considerations. Now, Governor Polis and members of the State Legislature are “rattling the saber” about the need for more condensed (higher density) housing developments to either fight more sprawl, keep more open space, reduce water consumption and who knows what else. Environmental concerns are at the heart of many of these thoughts, intentions and statements. While they may sound noble and rational to some, you need to look beyond the seduction of such thoughts.

CROSS CURRENTS

What is at play here is usurping local government decision-making whether it would be your town, city or county. These state-

here is a storm brewing in Colorado that the public should be aware of and voice their opinions about.ments and likely upcoming legislation would take away the authority of boards of trustees, city councils and boards of county commissioners from having the final decision on the legal use of a parcel of land as well as the density or number of units which would be allowed on the subject parcel.

Historically, local people (elected community members) have made those local decisions. You can see the whites of their eyes and speak to them at town, city and county meetings.

It goes without saying, getting an audience with the governor is hard to come by while following the legislative process and its sausage-making is much more involved than at local council meetings.

Listening to the public

If you think too many apartment complexes have been built in a relative short period of time in Westminster, Thornton or Adams County, like I do, you could say local elected officials have not done their job.

I would counter by pointing out that at least in Westminster, the voters’ desire to change the apartment trend has happened.

The mayor and council members elected in November 2021 have shifted the focus.

However, it remains to be determined what this council will do with the pending 2040 Comprehensive Land Use Plan and the New Downtown land use plan.

Improvements slated for E.B. Raines Jr. Memorial Park

With the new year comes new sources of funding for capital improvement projects for local governments including municipalities, counties and special districts.

In the City of Northglenn, E.B. Raines Jr. Memorial Park, located at 11701 Community Center Dr. is slated for various renovations and improvements in 2023 thanks in part to a grant received from the Adams County Open Space tax funds.

Northglenn successfully competed in the twice-a-year grant awards program via the Adams County Commissioners to the tune of $1.35 million with the city providing an equal match. The $2.7 million will be used to renovate or replace the existing restroom facility, renovate the seating wall and the ADA pedestrian access trail, add hardscape improvements near the Don Anema Memorial Skate Park and add a new storage facility

Our focus controls our balance

WINNING

He shared with me that he was using the balance disc for several reasons. He wanted to make sure he was working on the little muscles around his ankles and knees. And he also felt like it improved his balance when walking, hiking, golfing and skiing. Then I asked him about why he was able to remain standing on one leg on the balance disc sometimes for a minute or more, and other times he lost his balance early or in just 10 or 15 seconds. His response didn’t shock me. He shared that when he was able to maintain his focus on staying in balance on the disc, he could stay on for longer periods of time. He always stood in front of a mirror in the gym and would center his eyes on his chest in the

s a part of his workout, he included time standing on inflatable balance discs in between sets of weightlifting. His goal was to maintain his balance on the disc for 45 seconds while standing on each leg. Sometimes he stayed in balance for more than 45 seconds, and other times he lost his balance quickly. As I watched his routine, I became curious. When we both finished our workout, I approached him to ask about his workout and goals for the balance disc.reflection. The times when he achieved the greatest success were when he remained focused on his position. However, he said that when he lost his balance early it was because he allowed his mind to drift onto other things going on in his life.

How many of us lose our balance in life when we allow ourselves to become distracted? We all want balance, yet too often we wind up being our own worst enemy as we spread ourselves too thin. When we do this, we invite distraction into our lives, knocking us off balance and out of harmony. And when we find ourselves feeling like we have lost it and balance is nowhere to be found, we should remember the lesson from my friend in the gym and reacquire our focus.

The first thing we need to do is to understand our priorities and where we want balance and harmony in our lives. Once we are completely aware of what is truly important to us, then we can align our expectations and boundaries so that we don’t give way to the distractions that pop up. And most importantly, after establishing our priorities and setting our boundaries, is that we remain focused on the people, activities and things in life that bring us the greatest joy and satisfaction.

Let’s face it, distractions come at us all day long, life happens. They come in the form of calls, texts, emails, news, social media, unexpected circumstances and situations. We can

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never completely avoid being sidetracked, but we can minimize our chances of being distracted by knowing and owning our priorities and remaining focused on those.

Not taking the time to think through and commit to what is most important to us is like trying to drive somewhere that we have never been without GPS or a map. And as the old quote by Lewis Carroll goes, “If you don’t know where you are going, any road will get you there.”

Where are we missing our balance? Is it at home? At work? In our relationships? If we could improve the harmony in our lives, where would it create the greatest impact? For me, my balance comes when I remain focused on the five Fs in life: my faith, family, friends, fitness and finances, and in that order. And now thanks to my new friend from the gym, I can add the sixth F, focus.

Are you finding balance in the most important areas of your life? Would a little more focus and less distractions help you find your balance? I would love to hear your story at gotonorton@gmail.com and when we can maximize balance by minimizing distractions, it really will be a better than good life.

Michael Norton is an author, a personal and professional coach, consultant, trainer, encourager and motivator of individuals and businesses, working with organizations and associations across multiple industries.

Columnists & Guest Commentaries

Columnist opinions are not necessarily those of the Sentinel.

We welcome letters to the editor. Please Include your full name, address and the best number to reach you by telephone.

Email letters to staylor@coloradocommunitymedia.com

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with additional restroom facilities on the east side of the park.

Such cooperative funding ventures benefit the public by accelerating when the improvements can be built. Otherwise, the local government would have to wait longer to accrue the needed funds to achieve the necessary funding. Eligible Adams County governmental entities compete for funding from the 68% of generated tax revenue earmarked for local governments. The Adams County Open Space tax has had a major positive impact throughout the municipalities, parks and recreation districts and the county.

Greetings from the plastic pollution deduction act!

By now, most of us have encountered the impact of the abovenamed piece of state legislation. Welcome to the “bag fee.”

See, we don’t need those flowery legislative titles. As you know, it’s 10 cents per bag IF you didn’t bring your own bags to sack up your groceries or other goods.

Hey, I am OK with the intent of the legislation especially when I

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learned the magnitude of these single-use plastic bags. The Colorado Public Interest Research Group (COPIRG) estimates 4.6 million plastic bags are used in Colorado on a DAILY basis. Do the math on what that would amount to for a whole year.

Here is a startling projectionthe plastics industry could account for 20% of the world’s total oil consumption by 2050. Another fact to consider is that plastic bags break down into dust-like micro plastics, polluting the soil and water systems. In turn, we are ingesting on the average a credit card’s worth of plastic every week through our food, water and the air we breathe. I don’t know about you, but that concerns me. Needless to say, this issue of reducing/ eliminating plastic bags has been studied nine ways from Sunday!

So, remember your cloth tote bags before you go to the grocery or other retail stores.

What is the bag fee earmarked to do?

You may find the answer somewhat underwhelming as I did.

In the legislation, on a quarterly basis, stores which collect the bag fee are to remit 60% of the fee revenues to the municipality or county within which the store is located. The governmental unit

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TURN TO THE COLORADO SUN FOR NEWS ACROSS THE STATE

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In this way, The Sun contributes to a more vibrant, informed and whole Colorado.

The Sun, launched in 2018, is committed to fact-based, in-depth and nonpartisan journalism. It covers everything

from politics and culture to the outdoor industry and education.

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may use its portion to pay for administrative/enforcement costs and any recycling, composting or other waste diversion programs or related outreach or education activities. The remaining 40% may be kept by the remitting store to cover administrative costs.

Obviously, the legislature was focused on deterring the use of the plastic bags and not so much on how the revenue is spent. They should have made the law more meaningful with a more focused allowed set of uses for local governments.

Anyway, it is what it is. It is interesting to note that cities which have enacted such a fee have experienced quite favorable results on reducing the use of the bags.

For example, Fort Collins (2021) and Steamboat Springs (2019) have seen an 85% reduction in plastic and paper bag usage since initiating a fee. I could not find any estimated revenues on the funds distributed to local governments.

However, allow me to take a WAG (wild ass guess) at a statewide dollar amount: Using the 4.6 million bags per day and the 85% bag reduction experiences, I come up with $24.8 million per year in fees. Even if I am 50% off in my assumptions, $12 million is still a

meaningful amount to generate.

This same state law will totally phase out single-use plastic bags in 2024. However, certain retail food establishments and small stores that operate solely in Colorado and have three or fewer locations may provide the single-use plastic bags. Also, with the start of 2024, the act prohibits retail food places from using expanded polystyrene products as containers for ready-to-go food.

Speaking of legislation

Beware, this past week the State Legislature convened their 120day session. Guard your wallets as the Democrats like to mandate new fees.

With the veto-proof Democrats in both houses, let’s hope for a couple of basic considerations. First, may civility prevail in both houses given the outnumbered Republicans. Secondly, may the “powers that be” tamp down any urge to get too liberal in lawmaking and mandates this session.

Bill Christopher is a former Westminster city manager and RTD board member. His opinions are not necessarily those of Colorado Community Media. You can contact him at bcjayhawk68@gmail. com.

CUTAIAR

Richard Wayne Cutaiar (Skip) passed on 8/27/2022, He was 89 years old. Skip was a loving father, grandfather and brother. Richard was a Vice President of Mushroom

Transportation in Bu alo, New York. He was retired and living his best life in Myrtle Beach, South Carolina. Skip had many friends and family. He will be missed.

In Loving Memory

Richard Wayne Cutaiar May 11, 1933 - August 27, 2022

The Long Way Home Examining the impacts of the housing crisis

People across the metro area are struggling to a ord a place to live. Minimum wage earners might spend upwards of 60% of their paychecks on rent. Many millennials, now entering their 40s, have accumulated less wealth than prior generations and are struggling to nd a rst home they can a ord. At the same time, those who might sell, baby boomers, are prone to hold onto their homes, unable to downsize in the supercharged market. ese and other factors, including homelessness, a history of racial disparities where 71% of white Coloradans own homes but only 42% of Black Coloradans do, and a slow down in building that began more than a decade ago during the Great Recession, add up to constitute what some experts call a crisis in housing a ordability and availability.

Over the last six months, two dozen journalists, editors and sta at Colorado Community Media worked to answer questions on why this is happening, how

TRICKLING UP

FROM PAGE 1

From work to school to neighborhood events, the program has created a way for Gilson’s family to be a part of a community. With housing and communities come resources, though not all are created equal.

Gilson explained that in her prior communities — predominantly lower socioeconomic status and people of color — it resulted in a lack of resources, such as academic and mental health.

at’s why she moved to Westminster, where she has lived for 12 years.

“I wanted my kids to have a stable education and stable housing,” she said.

It’s not just low-income residents who struggle to a ord housing. Across the metro area and along the Front Range, rising in ation and mortgage rates, a long-term building slowdown and increasingly crowded cities and towns have combined to create what some observers and experts say is a housing crisis.

More and more people throughout the metro area are nding the cost of renting or buying a home eating up signi cant portions of their budgets.

“ at’s the No. 1 reason that people move, is they can’t keep up with their rent (and) utilities payments,” said Heidi Aggeler, manag-

we got here and what the solutions are. e work to nd the answers carried our journalists along the Front Range to talk to mayors, housing authorities, experts and, most importantly, lower- and middle-class families experiencing the crisis rst hand.

Our reporters and editors also held focus groups, talking directly to prospective homebuyers, like the single mom worried that another rent increase could land her in her car and the real estate agent who understood the problems but worried about a lack of solutions.

Over the next four weeks, Colorado Community Media provides an in-depth look at how the current crisis impacts our communities. In Week 1, e Long Way Home breaks down how we got here. On Week 4, we look at how local, state and federal governments are investing millions of dollars into a range of possible solutions – from helping the homeless to a ordable housing programs.

ing director and co-founder of Root Policy Research, a Denver-based community planning and housing research rm.

ere’s a term for it: “cost-burdened,” which describes households paying more than 30% of their income on housing. A little more than 700,000 households in Colorado are cost-burdened, most of which are renters, according to a November 2021 report from Root Policy Research.

“We’ve never done a very good job of housing extremely low-income people and families and helping to move them out of poverty,” Aggeler said. “We’ve never had enough resources to adequately address that.”

People who make $25,000 or less a year have long faced a housing crisis on some level, Aggeler said. But now, the number of people who make more money and are feeling the pinch of high housing costs is growing.

It has become increasingly common for middle-income households with incomes of roughly $35,000-$75,000 to experience cost burden, according to Root Policy Research.

As long as Colorado continues to be an attractive place for people to move to, invest in and retire, Aggeler thinks housing challenges will continue.

ere are also too few options for would-be buyers. Many nd the cost of single-family homes beyond their reach but have few options a

Contributors to theproject include:

step below that, such as condos.

“If you believe that Colorado will be a place that employers will continue to want to move to, then I think … the outlook may not be good unless we accelerate production and density and fund housing at the level that is needed,” Aggeler said.

The cost of housing

Practically every community in the metro area is facing its own housing a ordability and availability issues. South of Denver, in Lone Tree, Mayor Jackie Millet said there is a “housing crisis.”

“I think it varies in severity throughout our state, but I do think it is a problem that is a ecting all of Colorado,” she said. “ ere’s so much supply pressure on our market right now that we have, then, created this crisis.”

Not everyone is describing it as a crisis, but those who use that word point to the numbers across the metro area, as the costs of singlefamily homes and townhomes have skyrocketed.

Northwest of Denver, in Arvada, the median sale price of a singlefamily home was $667,000 as of late 2022, according to the Colorado Association of Realtors. at’s up by 71% from 2017, when the price was around $390,000.

e story is similar in Brighton, northeast of Denver, where the median sale price increased by approximately $225,000 over that period.

Littleton, south of Denver, saw an increase of approximately $300,000 in the price of single-family homes from 2017 to 2022.

Lone Tree saw an increase of $473,750.

“What we have seen is our housing prices doubling and our wages have not been keeping up,” Millet said.

From 2000 to 2019, median rents rose at a faster rate than median renter household incomes did “in every Colorado county and city with 50,000+ residents,” according to Root Policy Research.

Many residents want a home of their own, Millet said.

“ at was our ultimate goal, and that is also the way most of us accumulated wealth,” she said.

When the cost of buying or renting is too high, however, people cannot establish these roots, she added.

Supply versus demand

One of the main causes of the rise in cost-burdened households and lack of a ordable housing is that production has failed to keep up with demand.

ere was a 40% decrease in the number of homes built between 2010 and 2020 in Colorado, according to the 2022 “A ordable Housing Transformational Task Force Report.”

Susan Daggett, executive director of the Rocky Mountain Land

Use Institute, said the crash of 2007 a ected housing supply. People left the construction industry and many companies went bankrupt.

“ e housing market bottomed out, people left the construction industry, a lot of people went bankrupt,” she said.

At the same time that housing development slowed, Colorado’s population grew.

“In the meantime, the population has grown tremendously and the supply just hasn’t been able to catch up with that demand,” Daggett said.

In 2010, Colorado had a population of 5,029,196, according to the U.S. Census Bureau. By 2022, the population was estimated at 5,839,926 — a roughly 16% increase.

As of June 2021, Colorado’s for-sale housing inventory was 13% of what is needed for a functioning sales market, according to Root Policy Research’s report. A functioning sales market means there are enough units so that people can move easily, such as being able to upsize or downsize, Aggeler said.

To return the housing market to a functioning level, Colorado would need an average of 44,250 units built each year until 2030, according to the report, published in November 2021. is would be 1.6 times the state’s current production levels.

Ted Leighty — the CEO of the Colorado Association of Home Builders, an a liate organization of the National Association of Home Builders — said, overall, depending on who is talking, Colorado is somewhere between 175,000 to 200,000 units short of demand.

“ at’s really challenging to come back from, especially, you know, the pace by which we were able to produce new housing in Colorado,” Leighty said.

He hates to use the word “crisis” when discussing housing in Colorado, describing it instead as a major challenge.

Leighty explained the challenge comes down to the ve L’s — lumber and other building materials, labor, land, loans and access to capital, and local government. All have played roles in slowing down housing construction, especially since the Great Recession, leading to higher demand and decreased a ordability.

“ ese are always our main cost drivers for residential construction,” Leighty said. “All ve of those right now, and have been, unfortunately, for the last several years, been huge challenges for us.”

He said high lumber costs and some supply chain issues have improved marginally recently, but they still pose problems for developers.

Also, there is a labor shortage.

“We’ve seen a little bit of uptick in (the) labor participation rate for construction, but not nearly enough,” Leighty said. “We’ve got an aging skilled labor demographic, and we haven’t done a great job replacing that labor with younger, skilled laborers.”

In addition to training the laborers of the next generation, Leighty said a “sound immigration policy” could help bring more workers to projects.  “ ere’s a pretty big de cit, and we

need to do all we can, policy standpoint and otherwise, to increase labor,” Leighty said.

During the pandemic, there was a perception the housing market was hot, Leighty said.

“It was the most challenging hot market ever on record — to source materials, to source labor, to get projects through the pipeline was immeasurable in how di cult it was,” Leighty said.

The market cools

But there are signs the hot market is cooling.

Lending issues have recently risen to the top of many homebuyers’ concerns. Leighty cites concerns for in ation, economic uncertainty and rising interest mortgage rates.

Imagine a $500,000 home that roughly a year ago a person could buy at a 3% rate, Leighty said. eir monthly payment might be around $2,600.

By July 2022, as rates rose to roughly 5%, the payment for the same house would rise to $3,500. at’s an increase of more than 34%.

“So, how do you get back down to that $2,600, you know, something that’s more achievable for the average home buyer?” Leighty asked rhetorically.

In December, rates on a 30-year xed mortgage were more than 6.5%, according to Bankrate.

Higher mortgage rates caused a spike in cancellation rates for homesale contracts last summer, reaching above 40% — causing further disruptions, Leighty said.

“By the time the home was ready, or maybe even wasn’t ready yet, they knew what their debt-to-income ratio was going to be and that it had increased immensely, and they could no longer a ord it, so they canceled,”

he said.

By comparison, the cancellation rate was 13% in July 2021 and 18% in 2019.

Due to these high cancellation rates, it is likely there will be fewer homes on the market in the next few quarters, Leighty said, further exacerbating housing issues.

Yet Matthew Leprino, a spokesperson for the Colorado Association of Realtors, explained there’s an upshot for some potential homebuyers. ere are more homes available now than in years past as the market reacts to the changing economy.

“ e story that I’ve been telling a lot of clients lately is, ‘Yeah, you can pay a higher interest rate now than you were a year ago, but you’re paying $100,000 less for the house,’” he said. ere are more properties available now than any time since October of 2019, he said.

“It’s a better time to buy now than in the last three years,” Leprino said.

A balanced market’s months’ supply of inventory stands at about four months. For the metro area, October 2022 was the rst time that number hit two months or above since October 2019.

e metro Denver area hasn’t reached a balanced market for housing since at least 2014, when the Colorado Association of Realtors started tracking that data — and Leprino suspects it’s been much longer than that.

“Number one, houses are a lot more expensive than they used to be,” Leprino said. “Number two, there’s not enough of them.”

The role of local governments and zoning

Local governments have played a huge role in the lack of housing supply and lack of a ordability in

Colorado, Leighty said.

He notes they play a role through their regulations, land use zoning and entitlement process and their fees.

Zoning can be a signi cant factor in the housing issues people see today, Aggeler of Root Policy Research said. It refers to when a city or county divides its land into di erent sections and designates an intended use for each, such as industrial or residential development.

“Really, the problem, it’s very simple: ere’s a scarcity of housing for people of all income levels,” said Pat Cronenberger, vice chairperson for South Metro Housing Options, the City of Littleton’s public housing authority. “Colorado is a popular place. People want to be here, and we have restrictive zoning laws that really don’t make it easy to build housing.”

“And that’s all contributed to high rents and big, skyrocketing home prices,” she said.

One of the more controversial zoning issues across the metro area is how dense a city can build.

“People are very afraid of adding units, very afraid of density — and I think probably overly so,” Aggeler said. “We should be zoning artfully, in a way that preserves what we love about communities but also provides opportunity for other people to live there.”

Leighty said some local elected ofcials have expressed concerns that if they approve denser housing units, they could be recalled “because there’s so many people that believe we have — we’re growing too fast.”

“But the numbers belie all of that,” he said. “Our net migration is still positive.”

Net migration refers to the di erence between the number of immi-

The perfect storm: Many factors lead to today’s housing crisis

BY DEB HURLEY BROBST DBROBST@COLORADOCOMMUNITYMEDIA.COM

Kim Howard of Evergreen has been in her 2,600-square-foot home for 40 years. Now alone, the 70-yearold is looking to downsize and move closer to Denver, but she can’t nd a smaller home with the same or lower mortgage payments.

She feels guilty staying because she knows the house is a perfect size for a young family, but she’s staying because she can’t a ord to move. Rising interest rates in the last year aren’t helping, since that increases monthly payments on any home she could buy.

“I’m going to wait it out … because it has to make economic sense,” Howard said. “I can’t a ord to move, and that puts a damper on those who want to move in. We need more a ordable housing for retired and rst-time buyers instead of large, expensive homes that we can’t a ord.

“I feel kind of guilty. (Young families) are desperately looking to start their lives, and we senior citizens can’t a ord to move. Unless someone provides for those rst-time home buyers and for seniors who want to downsize, it’s not going to happen.”

Howard’s story is typical of the issues faced by many in the metro area when it comes to housing. While it seems like the crisis came on suddenly, it cannot be attributed to one moment or incident. Instead, think of it like the spokes on a bicycle wheel, with the center being the current housing situation.

Each spoke contributes to rising costs and shrinking availability, starting with the Great Recession that began in 2007, the loss of builders and labor, the dichotomy of home ownership between baby boomers and millennials, and more recently the pandemic, the consequences of the Marshall Fire and the popularity of short-term rentals.

Couple all that with population increasing in metro Denver, and it’s a recipe for disaster for many: higher home prices, increasing number of unhoused, lack of places to both buy or rent, frustrated home buyers and more.

A perfect storm has combined to create what many experts say constitutes a housing crisis throughout the Denver area and into the foothills — from Brighton to Empire and everywhere in between. It’s been brewing since the Great Recession more than a decade ago that created a harsh economic downturn, pushing skilled workers who built homes out of their careers.

It’s been exacerbated by a rising younger population and part-time residents who converted residences in some of the state’s most attractive settings into vacation homes, the skyrocketing costs of homes and increases in interest rates.

“ ere’s no incentive in the traditional market structure that we have around housing to build for those

who are struggling economically,” said Phyllis Resnick, executive director and lead economist for the Colorado Futures Center, an independent, nonpartisan, academic nonpro t. “We think (the housing market) is feeling unhealthy for folks because housing that is a ordable to lower-middle to low-income households is still very di cult to nd and isn’t probably being built at the rate it’s needed.”

Great Recession

e metro area’s housing challenges start with the Great Recession that began in late 2007, part of a national trend where the housing market crashed. Before the recession, rising home prices, loose lending practices and low interest rates were the norm. When the economy soured, many homeowners could not keep up with their payments, prompting a rash of foreclosures.

According to real estate data company RealtyTrac, 6.3 million homes went through foreclosure in the United States from January 2006 to April 2016, more than double the norm of around 250,000 foreclosures per year. According to the Colorado Department of Local A airs, from 2006 to 2016, Colorado saw 299,775 foreclosures.

With foreclosures came a glut of available homes that ooded the market, according to real estate agent Gaye Ribble with e Ribble Group, a real estate rm that o ers home-buying services across the metro area. In the Denver metro area at the peak of the recession, 45,000 homes were on the market, Ribble said, when a balanced market is roughly 10,000 to 12,000 homes.

“As a result, builders were reluctant to get back in and buy land, buy materials, pay wages and build — all the capital expenses they incur before selling a single home,” said Tupper Briggs with Madison & Co.

Properties, a real estate agent for more than four decades. “ ey did not add to the supply of housing for years.”

In other words, Ribble said, “builders stopped building homes because of the glut, and some builders went out of business because of the lack of work.”

Loss of tradespeople

e Colorado Futures Center bears out what Ribble noticed. A 2018 study by Resnick and Jennifer Newcomer, research director, examined the factors contributing to the growing cost of housing in Colorado. Much of it could be traced to the Great Recession.

e decrease in units built after the recession was linked, in part, to limited amounts of developable land, rising material costs and little incentive to build entry-level housing, according to the study. A bigger issue turned out to be the closure of several local construction companies and the related issue of a shortage of labor in specialty trades.

“Labor was short, it was a mixed story on materials, and there were some regulatory barriers, but I think we came away thinking that part of the biggest problem was we lost a lot of people in the development and building ecosystem,” Resnick said.

According to a 2014 report published by the U.S. Bureau of Labor Statistics, “Housing: Before, During and After the Great Recession,” construction industries experienced signi cant job losses during the recession.

From 2003 to 2013, for example, the residential construction industry experienced a 26.8% decrease in employment, which the report said was “precipitated by the recent recession.” e report also showed from 2003 to 2013, the number of businesses in the residential construction industry decreased by

10.8%.

Lone Tree Mayor Jackie Millet said she thinks the recession absolutely impacted the growth of housing.

“ e bottom fell out of the market, the tradespeople — we lost people in the trades, we didn’t have people coming into the trades, and we lost that time,” Millet said. “And it’s, you know, cyclical, so we have been playing catch-up ever since then.”

Ted Leighty, the CEO of the Colorado Association of Home Builders, said the Great Recession made a lot of people more cautious, including banks, lenders and builders.

ere were fewer land developers coming out of the recession, he said, so more builders have had to become their own land developers.

“ eir access to capital and their cost of capital has increased greatly since the recession,” Leighty said.

Ribble added: “Not only every year are we lagging (in home construction), but we were never able to make up for six years with no new construction. During that time, population continued to increase.”

Population growth, interest rates

According to the U.S. Census Bureau, the seven-county metro area has seen a substantial rise in population in roughly the past decade. Douglas, Arapahoe and Douglas counties each grew by more than 80,000 people, with Jefferson County gaining more than 45,000 people.

When the Federal Reserve lowered interest rates to move the United States out of the Great Recession, many more people who wanted to buy a home could. Rates remained low as the economy rebounded. at increased demand across the housing market. As demand rose, prices across the metro area began to skyrocket, creating a crunch. Fewer homes were available and many people were simply priced out of the market.

Real estate agents interviewed by Colorado Community Media agree that the Federal Reserve should have increased the ultra-low interest rates to keep the market more balanced.

Baby boomers, millennials and shortterm rentals

Adding to the housing challenges is stagnation. Baby boomers, those nearing retirement age and older, aren’t leaving their homes. Meanwhile millennials, some now new to Colorado and in their 40s, are looking to get into their rst home and sometimes even a second home such as a short-term rental that can be used for both vacation and added income..

Boomers, many of whom are empty nesters, aren’t downsizing for many reasons. While some simply don’t want to move, others want to downsize but can’t nd a good deal on a home in the community they want.

Shelley Gilson smiles at the playground at Orchard Crossing in Westminster on Sept. 27, 2022.

PHOTO BY ANDREW FRAIELI

Low Rate of Pay:

How minimum wages are failing to keep pace with housing costs

BY ANDREW FRAIELI AFRAIELI@COLORADOCOMMUNITYMEDIA.COM

In recent years, minimum wages have slowly increased, with Denver reaching $17.29 an hour, and the suburbs surrounding the city being lower, based on the state of Colorado’s minimum of $13.65 an hour.

While workers have welcomed the increases, apartment rental prices have outpaced those gains for workers, with almost 60% of a minimum wage worker’s paycheck expected to go to a landlord.

at’s the highest proportion in a decade, and a calculation that doesn’t include other expenses, such as utilities.

“We’ve seen over the years that the minimum wage actually erodes over time, and periodically has to be readjusted,” said economist Markus Schneider.

Schneider, chair of the Economics Department at the University of Denver, said these cost-of-living adjustments to the minimum wage do help workers — both Denver and the state make adjustments to their minimum wages — but despite increases, the adjustments don’t completely stave o the consequences of rising in ation and skyrocketing housing costs on lowincome workers.

Even after a decade, workers are still forced to dedicate too much of their salaries to housing, and it’s only worsened.

A “living wage” is what is needed to keep up with the costs of living, the “very ne line between the nancial independence of the working poor and the need to seek out public assistance or suffer consistent and severe housing and food insecurity,” according to MIT’s Living Wage calculator. MIT describes it “as a minimum subsistence wage.”

For the metro area, that living wage is $19.62, well above the state minimum wage and even Denver’s. e cost-of-living adjustment that both minimum wage rates are tied to is called the Consumer Price Index — a “positive step in the right direction,” according to Schneider.

“At the same time, the minimum wage is below a living wage,” Schneider said. “It’s, at best, going to keep it in proportion.”

at means the disparities won’t grow as badly as they could, but will still not keep up with a living wage.

In 2010, the state minimum wage was $7.24 an hour. Rent for a studio in the metro area was $638, according to U.S. Housing and Urban Development fair market rent data.

at came out to half of a worker’s wages, which the National Low Income Housing Coalition — a nonpro t that aims to end the a ordable housing crisis through policy and data research — deems unaffordable, as is anything upwards of 30% of wages spent on rent and utilities. e coalition considers paying upwards of 30% as placing workers at risk for homelessness.

By 2023, the situation had only grown worse for minimum-wage workers. While their wages rose to $13.65 an hour, metro-area studio apartment rents hit $1,390, meaning workers have to pay almost 60% of their wages to keep a roof over their head.

Part of the gap between the index increases and rent is inequality, Schneider said.

CPI is calculated by looking at how much change there is in the average price of household items, food, energy, rent, electronics and more, weighted by how big that category is in the household budget. is calculation is for the entire metro area, though. With di erent parts having di erent wages and costs of rent, the CPI can become skewed for some.

“ e CPI for Colorado is going to be very responsive to what’s happening in Denver just because that’s the big population center,”

Schneider said. “We know that Denver has actually had a hotter housing market, and housing is a big component of what that living wage means.”

However, higher minimum wages do not cause rents to increase, in his view.

“ ere’s really not much evidence for it — in the ranges that we’re talking about raising minimum wages,” he said. “If we raised it by a factor of two, or even of ve, then yes, that’s probably a big thing. But we’re talking about just getting closer to a living wage — I’m very skeptical that it’s a big e ect.”

“Certainly not a big impact on the price aspect, because even when people get up to that living wage, it’s really only going to impact relatively cheap housing, and relatively bottom end of the rent market — you’ll see some of those rents go up a little bit. But the average rent in Denver isn’t going to budge much.”

is leads to CPI not adjusting enough for the lowest wage earners in the metro area, and not keeping up with their rising rents. As Schneider said, the adjustments are better than nothing, but still do not set minimum-wage workers to earn a living wage — a goal that, since more than a decade ago, has only become further away.

“When people make more money, particularly at the bottom end, when we’re talking about pushing poverty line or at least well below the living wage, they’re likely to move to a nicer neighborhood or closer to a nicer school, which means the rents in the places that they were living won’t be a ected that much,” Schneider said.

According to MIT, a “livable wage” for Colorado is about $19.16 an hour, and the Denver-Aurora-Lakewood metro area “livable wage” is even higher at $19.62 per hour. Current minimum wage in the state is far less at $13.65 an hour, with Denver’s being $17.29 per hour. Both the state and Denver may be increasing minimum wage year over year to follow in ation or cost of living, but they may never actually reach a “livable wage” when they are already so far behind.

Colorado state’s minimum wage, and Denver’s own minimum wage, rise incrementally based on the Consumer Price Index (CPI). is is functionally a measurement of the cost of living, measured by the U.S Bureau of Labor Statistics. It includes food, housing costs, transport, medical care and recreation among others, all broken down to smaller parts like gas, and electric bills. MIT’s “living wage” considers many of the same categories, but is stricter.

“ e living wage is the minimum income standard that, if met, draws a very ne line between the nancial independence of the working poor and the need to seek out public assistance or su er consistent and severe housing and food insecurity,” according to MIT’s Living Wage calculator. “In light of this fact, the living wage is perhaps better de ned as a minimum subsistence wage for persons living in the United States.”

eir calculator uses Fair Market Rents (FMRs) — which “represents the cost to rent a moderately-priced dwelling unit in the local housing market” — along with local utility prices, to determine housing costs.

According to e National Low Income Housing Coalition (NLIHC), a nonpro t that aims to end the a ordable housing crisis through policy and data research, anything upwards of “the generally accepted standard of spending no more than 30% of gross income on rent and utilities,” is considered una ordable housing, though. is brings needed wages, according to NLIHC, even higher than MIT’s livable wage that already lies on the razor’s edge

With voter approval, the state will embark on how to have more a ordable housing statewide. SHUTTERSTOCK IMAGE

With a look at the ins and outs of inflations, the Colorado Sun’s Tamara Chuang breaks down Colorado’s Q3 growth. SHUTTERSTOCK

grants and the number of emigrants throughout the year.

“That’s how you’re going to attack this issue, right, is allowing greater density — taking down the land costs a little bit by being able to do more with less as far as more construction on less land,” Leighty said. “Zoning plays a huge role in our ability to bring new product on the market.”

A lot of communities in Colorado are mostly single-family homes, resulting in lower density and forcing developments to sprawl out.

With the dominance of singlefamily homes, many communities in Colorado face a “missing middle,” meaning there are not a lot of diverse housing options such as townhomes, cottage courts, accessory dwelling units and duplexes.

Part of the reason for that is because of a policy change, Leighty said.

“We made it really, really easy to sue for what they call ‘construction defects’ on multifamily for-sale condominiums,” he said.

Multifamily for-sale condominiums went from roughly 20% of the market to about 2% of the market when going into the recession, Leighty said. By 2017, it rose to about 12% of the market, but then the pandemic hit.

“If you kept that 20% pace of condominiums, you wouldn’t be in the same situation you are now. You wouldn’t necessarily be in market equilibrium, right? But you wouldn’t be … 200,000 units shy either,” Leighty said.

Condominiums are a really im-

COST

of nancial independence and public assistance.

Other major costs in MIT’s calculation are food and transportation, which take up another $9,160 per year — $4,153 and $5,007 respec-

portant product, he said, as they provide places for young professionals and families to achieve homeownership and for empty nesters to downsize.

“That product has been absolutely missed in this marketplace and it has certainly contributed to our inability to keep up with demand,” Leighty said.

Lone Tree Mayor Jackie Millet said in 2004, she served on the city’s planning commission and approximately 20% of the new buildings were condos.

“To my recollection, in Lone

tively. Housing, food and transport together take up 75% of their salary — which leaves some room for the $4,814 cost for “clothing, personal care items, and housekeeping supplies,” and $2,768 for medical care, but none for the $7,929 in annual taxes.

MIT speci es that the calculation “accounts only for the basic needs of a family. It does not account for what

Tree, we haven’t seen one in probably 15 years. And the ones that are being built in the metro region are either — they’re very, very expensive,” she said. “That was our supply of entry-level housing, and it is no longer being produced.”

Millet thinks the constructiondefects law played a significant role in the supply of the entry-level housing market. She also knows of residents who wish to remain in the community and want to downsize, but cannot find any affordable options.

Typically, Millet believes the

many consider the basic necessities enjoyed by many Americans,” such as dining out and other forms of entertainment, but it also “... does not provide a nancial means for planning for the future through savings and investment or for the purchase of capital assets.”

And this is all for single adults without children. A single adult with one child brings the livable wage from $20.61 an hour to $39.96.

NLIHC’s “Out of Reach” reports use “housing wage” as the wage a full-time worker must make to a ord FMRs without spending over 30% on rent. For a studio apartment in Denver with an FMR in 2022 of $1,236 per month, the “housing wage” would be $23.77 an hour before taxes — 1.5times what a minimum-wage worker currently makes. is is even higher than MIT’s $20.61 an hour “livable wage” for a studio apartment

markets should resolve the issues themselves.

“But in my opinion, the markets have been corrupted by a number of things,” Millet said. “And so I do feel at this point, we must do something other than just complain about it, because we’ve seen it increase as a priority issue for our residents and our businesses.”

“If we just keep complaining about it, which is what we’ve been doing, without taking any kind of action to increase the supply of housing that people can afford, the problem is just going to get worse.”

and even includes utilities, as MIT’s wage is only enough to be on the brink of nancial ruin.

Based on NLIHC’s metric, no housing in Denver is actually “a ordable” to a minimum-wage worker. It may never reach this point either.

Denver’s 2020 minimum-wage ordinance began with increasing minimum wage to $12.85 per hour in January 2020, then $14.77 in January 2021, then $15.87 in January 2022, and $17.29 this year.

From now onward, it’s tied to CPI. According to the ordinance, “the Denver minimum wage rate shall increase by an amount corresponding to the prior year’s increase, if any, in the Consumer Price Index …” But this wage is already below the “living wage” determined by MIT, so staying on par with the CPI will only ever keep the minimum wage stable, not increase its value.

A vast view of homes from Blu s Regional Park and Trail in Lone Tree on Oct. 21, 2022.

PHOTO BY TAYLER SHAW

According to Jackie White, a real estate agent in the Conifer and Evergreen area for nine years, if a baby boomer sells a home for $1.5 million, that person isn’t going to nd a home about half the size for $750,000.

“ at doesn’t feel good to them,” White said. “Add to that, because of low inventory of homes, kids can’t a ord to buy homes in the communities they grew up in, so there are fewer multigenerational families in one community. Kids can’t easily check in on their parents.”

Many millennials can’t a ord homes that are for sale. at eventually will change as baby boomers are forced to sell as they age, White said.

As Ribble noted: “In 18 years, this issue will resolve itself because baby boomers won’t be in their homes any longer.”

But at that point, some millennials will be in their 60s. For that generation, the dream of home ownership is still alive for many, Briggs said.

“ e millennial demographic is larger and more powerful than the baby boomers,” Briggs said. “ ey are the bulge in the snake, and we baby boomers are sitting on our homes, getting old and not moving.”

Short-term rental ownership is becoming more popular, especially among millennials.

“Close to 50% of buyers (in Clear Creek County) ask if it can be a short-term rental,” said Josh Spinner, longtime Clear Creek County real estate agent.

More recent issues

e COVID-19 pandemic brought a new trend. Many people were able to work from home and some decided to move out of urban areas to more scenic, less populated towns, real estate agents said.

“Whoever would have thought home prices would have gone up during COVID?” Spinner asked rhetorically. “Who could have predicted that? In addition to arti cially low interest rates, we had a lot of arti cial stimulus money. It de es logic that prices would go up in a pandemic.”

e Colorado Futures Center study agreed.

“ e disruption of COVID and the almost complete lack of (market) churn really distorted supply with respect to what was available for sale,” Resnick said. “We believe, and we’re still working through all of this, that was a somewhat signicant contributor in the run-up in prices.”

Briggs said the transition to people working remotely wasn’t an easy one.

“ e seeds of remote work were there before COVID,” he said. “People started looking at their living arrangements and decided they wanted an o ce in their homes.

ey discovered if they work remotely, they could work where they wanted. ey decided to get out of the city and into the suburbs or bedroom communities.

“ ey no longer were commuteoriented in making (home-buying) decisions. Instead, they were quality-of-life focused because they were able to do that. at created a surge in people moving from one place to another.”

e COVID-19 pandemic didn’t help, Millet in Lone Tree said, as well as the subsequent supplychain issues.

“ e demand has continued to increase that whole time, and supply has been falling further and further behind,” Millet said. “When you don’t have enough supply, price goes up — and that’s the space that we’re sitting in.”

en toward the end of the pandemic, the Marshall Fire in Boulder County took place, burning 1,100 homes. at added to the situation — many families looking for temporary or permanent housing, further depleting the number of homes on the market.

Building homes

City and county planners say they are seeing more builders wanting to build residential developments recently, but they are facing several issues.

“ ere’s a housing shortage because we can’t get homes built fast enough,” said Chris O’Keefe, Je erson County planning director.

“In Je erson County, we have a lot of land but not a lot of land that is shovel ready.”

He noted that it doesn’t help when members of the community don’t want new high-density residential development near them.

“Recently we’ve seen some areas where … developers have wanted to rezone for higher density,” O’Keefe said. “ e community sometimes is not supportive of higher density.”

In Clear Creek County, little developable land is available, and most of the building permits are for single-family homes.

“Over the last 20 years, buildingpermit applications that we are seeing for single-family homes indicate that homes are getting larger and more expensive,” said Fred Rollenhagen, community development director for Clear Creek County.

“We are not seeing as many smaller or middle-class type homes like what we saw 20 years ago.”

Lakewood, for example, also doesn’t have large parcels available for residential development except in the Rooney Valley along C-470, where a residential development is under construction with plans for

1,200 homes when complete.

“As a rst-tier suburb of Denver, our vacant land is minimal,” said Paul Rice, manager of planning and development assistance for the City of Lakewood. “Other than the Rooney Valley, there are not a lot of development opportunities that are easy.

“A developer has to work to make a project successful. Lakewood is not an easy place to develop. Most everything is redevelopment. Developing land is a matter of aggregating property to create property that can be redeveloped.”

What’s to come

A 2022 analysis from Newcomer and Resnick on housing a ordability in Colorado found that the share of housing a ordable to people making the median Colorado income dropped 25% between 2015 and 2020. e same research found that statewide housing prices would need to fall by 32% to return to the a ordability levels the state saw in 2015.

“Market correction alone will not restore relative a ordability without considerable market pain,” the 2022 analysis concluded.

Newcomer said it wouldn’t be easy for the housing market to become more balanced.

“We do need to nd ways to build, essentially, a parallel market that’s incentivized di erently,” Newcomer said. “ e normal constructs of housing development in the full market don’t incentivize doing anything di erently. We have, especially with this disruption because of the pandemic and supply chain issues, these elevated

costs from material goods to labor and so on. It’s going to be really hard for those to come back down in the overall market environment now.”

When projecting what housing production may look like in 2023, Leighty said a lot of it depends on mortgage rates.

“Will we see a recession? What will we see that necessarily starts to bring down the federal funds rate and then, you know, brings down the mortgage rates?” Leighty asked, highlighting the uncertainty of the future.

e Colorado and U.S. economies are projected to avoid a recession in 2023, but the “path for continued expansion is narrow” and “a wide array of unforeseen shocks could push the economy into a downturn,” according to the Colorado Legislative Council Sta ’s December 2022 Economic and Revenue Forecast.

Leighty thinks 2023 may start slowly for home builders.

“Builders, they’ll move cautiously on land acquisition until there’s probably more clarity, especially in (interest) rates,” he said.

Real estate agent Briggs thinks the relationship between home buyers and sellers is changing.

“Although we’ll probably see more price negotiation in speci c transactions, housing values will not decline overall, and there certainly won’t be a crash,” Briggs said.

“But the days of multiple o ers and over-asking selling prices are numbered. We can also expect it to take longer to sell as buyers sharpen their pencils when considering an o er.”

Wildfire risk is so high some homeowners can’t get insured

Last resort coverage considered

BY JESSE PAUL AND OLIVIA PRENTZEL THE COLORADO SUN

State lawmakers are preparing to introduce a bill in the legislature that would create a quasi-governmental program o ering basic home insurance to the growing number of Colorado homeowners who say they can’t get coverage from private companies because the risk of wild re is growing.

e Colorado Division of Insurance has elded dozens of calls and emails, many of them since August, from Coloradans who say they have been turned down by private home insurers. e situation presents the specter of nancial calamity for people whose homes are their primary asset and for communities that lean on real estate as an economic engine.

Without home insurance, it’s impossible to secure a mortgage, which dramatically limits who can buy or sell a home. ere’s also immense nancial risk in owning a property without insurance coverage.

e problem is especially acute in high country communities, but Coloradans who live on the Front Range, particularly those near where the Marshall re destroyed more than 1,000 homes in December 2021, are also reporting problems securing coverage for their properties.

The Marshall fire: One year later

It has been one year since the Marshall re destroyed hundreds of houses and businesses in parts of Louisville, Superior and Boulder County. One year of sorting through what was lost. One year of trying to create a new normal. And one year of making a new home.

“We can see the handwriting on the wall that we’re starting to have a problem,” said state Rep. Judy Amabile, a Boulder Democrat who is taking the lead on the prospective legislation, which is expected to be introduced at the Capitol after

the legislature reconvenes next month for its 2023 lawmaking term.  Colorado one of a few states that do not have a so-called home insurer of last resort, or “fair plan,” created by the government.

Michael Conway, Colorado’s insurance commissioner, said that’s because Colorado hasn’t needed one — until now.

Colorado’s three largest wild res by acreage all happened in 2020. And before that the 2012 Waldo Canyon re and 2013 Black Forest re, both in El Paso County, each destroyed hundreds of homes. en came the Marshall re, Colorado’s most destructive in terms of the number of homes destroyed. More than $2 billion in insurance claims are expected to be led in connection with the Marshall re. “We just haven’t had natural disasters of the magnitude of states like the Gulf Coast states in particular,” Conway told e Colorado Sun. “It was probably a year and a half ago that I was in front of one of the insurance committees at the state legislature and they asked if we had (homeowners’ insurance) availability problems in the state that I was worried about, and I honestly could say at that point that no we didn’t. We didn’t have issues.”

But late in the summer his o ce started to hear complaints from homeowners that they couldn’t get their properties insured. What really sounded the alarm was when independent insurance agents started telling state regulators they couldn’t nd coverage for their clients. If they can nd coverage, it can sometimes be outrageously expensive.

Jim Kinser, an insurance broker in Steamboat Springs, told e Sun about a single-family home in Routt County that was previously insured for an annual premium between $3,000 to $4,000. When a new owner bought the property over the summer and planned to remodel the house, no insurance company would write them a homeowner’s policy until the house was renovated with re-resistant materials and brush cleared from its perimeter. e home was

uninsured for months in the meantime.

In Pitkin County, home to Aspen, Kniser said a homeowner’s coverage was not renewed by their insurance company and no other carrier would provide coverage at any price.

“It’s getting to be more and more di cult to nd carriers who will say ‘yes, we’ll take it,’” Kinser said. “And people need insurance.”

State Sen.-elect Dylan Roberts, an Avon Democrat, said di culty obtaining property insurance is “the No. 1 thing I’m hearing from my constituents.” In the high country, where there’s already a housing crisis, there are fears that homeowners insurance problems and rising costs could further limit the lack of a ordable places to live.

Conway says the legislature must act fast to prevent Coloradans from having to go without coverage.

rushing to the solution without adequately studying it. If there is going to be a fair plan or last-resort legislation this year, let’s make sure we’re basing it on really being a very targeted solution at a targeted problem.”

Walker said that anecdotes alone shouldn’t drive the legislature. “We certainly have to understand what our gaps are and what our problems are,” she said.

And given the high stakes, the debate over a state-run or state-created property insurance program could be one of the most technically complicated and politically heated policy battles at the Colorado Capitol in 2023.

How it works in other states

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“If the issues that we’re seeing now aren’t remedied by the private insurance market fairly expeditiously, we are going to have to set something up pretty quickly,” he said.

But the private insurance industry is urging caution, saying that if Colorado acts too fast and makes mistakes, insurance companies may pull out of the state altogether.

“ e stakes are very high,” said Carole Walker, executive director of the Rocky Mountain Insurance Information Association, an industry trade group. “It just feels like we’re

State-run or state-created insurers of last resort started cropping up in the 1960s in coastal and urban areas where property owners faced high risks — from riots, res and hurricanes — and couldn’t get traditional coverage from private insurance companies, said Mark Friedlander, a spokesman for the Insurance Information Institute, another insurance industry trade group.

ere are such programs in 32 states and the District of Columbia. While each operates di erently, they generally fall into two groups: plans subsidized by taxpayers and plans funded by private insurers.

Resident Josiah McCloud and his friends stand in what remains of his living room after the Sept. 16 fire at Table Mountain Townhomes along West Colfax Avenue. COURTESY OF JOSIAH MCCLOUD

e plans are often costlier and o er less coverage than the average private insurance policy, Friedlander said. “ ey typically do not include liability coverage, which is a component of a standard home insurance policy,” he said.

e purpose of the plans is simply to ensure that people can get some level of coverage — hence the “insurer of last resort” moniker.

Florida’s Citizens Property Insurance Corporation is the biggest state-managed property insurance program in the U.S. In August, the nonpro t funded by policyholders surpassed 1 million policies and became the largest property insurer in the state. Nearly 28 million people live in Florida.

Homeowners are only eligible for coverage from the Citizens Property Insurance Corporation if they cannot get coverage from a Floridaauthorized insurance company or if the premiums from a Floridaauthorized insurance company are more than 20% higher than the premiums for comparable coverage from Citizens.

In California, homeowners can only get insurance under the state’s “FAIR Plan” if they can’t get coverage from a private company after a “diligent search.” And homeowners must repeat that search annually.

e policies o ered under California’s plan are handled by private insurers who operate in the state, who are required to cover a proportion of FAIR Plan policies equal to their share of normal policies in California.

“For most homeowners, the FAIR Plan is a temporary safety net — here to support them until coverage o ered by a traditional carrier becomes available,” the FAIR Plan website says. As of 2020, less than 3% of California residents were covered under the plan.

e private insurance industry often points to the Citizens Property Insurance Corporation as an example of a state-run property insurance program gone wrong because of how many people left the private market to seek coverage from Citizens. Insurance companies use customer premiums to create a pool of money from which they can pay out claims. Fewer customers means a smaller pool.  Florida’s legislature met for a special lawmaking term in December to tweak the program and set aside billions for initiatives aimed at bolstering the private insurance market.

“Google Florida and their plan and it will be what not to do,” Walker said.

Conway said he is starting from the premise that a state-run or created property insurance program in Colorado should not compete with the private insurance market.

“I think it’s kind of a misnomer to call (these programs) an insurer of last resort,” he said. “It puts the idea in people’s head that it’s going to actually be in a true insurance company. And they’re really not.

ey’re really kind of a safety net for people that are organized by their state governments in order to help them in the situation where they can’t nd homeowners insur-

ance coverage.”

at may be cold comfort for Coloradans who are paying exorbitant costs for property insurance.

Jim Noon is the former treasurer of the Bu alo Ridge-Bu alo Village condominium complex homeowners association in Summit County. He thought a tree clearing near the 270-unit complex — called a re break — that stopped a wild re in 2018 would prevent the complex’s insurance rates from climbing too high. Earlier this year, the HOA accepted a $200,000 property insurance bid and paid the amount.

“ en, three days into the coverage, they just said nevermind and handed us the check back,” Noon said.

He said the insurance agent hadn’t looked to see if the complex was in an area at risk for wild re before agreeing to provide coverage.

Scrambling to nd a new insurer, the HOA found a carrier that offered insurance for about $1 million. It covered only half of the total value of the complex if it burned to the ground, Noon said, and the policy didn’t cover wind or water damage.

Others are struggling to get the insurance they feel is adequate for their home.

Tim Anderson, who lives in Steamboat Springs, spent nearly $1 million to build his 3,000-squarefoot house in 2016, complete with custom brickwork and cabinets, and a sauna. One insurance agent argued it would cost $349,000 to rebuild his home, while another said it would cost $500,000.

“How is that possible? When I built this house ve years ago, it cost me roughly $900,000, a million dollars. It’s not possible the house can be rebuilt with $350,000. at’s just laughable,” Anderson said.

Eventually, Anderson — who has worked as an insurance underwriter for 40 years — found a local agent who understood local building costs and insured his home at $1.8 million.

“You can nd the insurance,” he said. “ e problem is getting insurance to the proper value.”

“We haven’t settled on anything yet”

Views on whether Colorado needs a government property insurance program have shifted rapidly.

Gov. Jared Polis, during a debate hosted by e Sun and CBS4 in October, said he wasn’t sold on a state-run or created homeowners’ insurance program being a good idea for Colorado. His main priority, he said, is to reduce the risk of wild res.

“ ere’s proven technologies to do that, whether it’s simply taking down trees and brush around your home, construction materials, especially in the wildland-urban interface near open areas,” he said. “And if we do that successfully, we will be able to drive down insurance rates for every Coloradan.”

Now, Conway — a member of Polis’ cabinet — has made the governor’s administration intimately involved in the discussions over how to create an insurer of last resort in Colorado.

ere are signs Republicans in the legislature, who are traditionally opposed to government growth, won’t necessarily ght the proposal.

“I do think it is an appropriate role for government to have some kind of a backstop,” said state Sen.elect Mark Baisley, a Woodland Park Republican who represents an area west of Colorado Springs that’s prone to wild res. “While I hate for the government to get any more involved than necessary in private industry, I think we do need to work pretty aggressively with insurance companies to get them to provide the coverage that people need.”

Baisley is separately working with Amabile on underinsurance issues in Colorado.

e conversations around how Colorado’s state-run or state-created property insurance program would be formed are still in a relatively early stage.

“ ere’s a lot of di erent ways to do it and we haven’t settled on anything yet,” Amabile said. “ ese policies are not going to be deluxe policies. It’s going to be very bare bones. It’s going to be limited coverage and it’s going to be expensive.”

She said Colorado lawmakers will look to other states as they draft Colorado’s plan. “ ere’s good and bad parts to what they’ve done,” Amabile said, pointing to Florida and California.

ere has been talk of requiring homeowners to mitigate wild re risk around their property as a prerequisite to getting insured under the state program.

Conway said his o ce has already been having conversations with experts around the country.

“It’s been decades since anybody has stood up a fair plan,” he said,

“so nding people who actually have useful knowledge has been a little bit di cult.”

Generally speaking, he said, startup costs have been funded by assessments — or fees — on private insurance companies. Conway said the assessments have been relatively small.

Walker, with the Rocky Mountain Insurance Information Association, warned that any added costs for private insurers would likely be passed onto consumers. at means higher prices for people whose homes aren’t necessarily facing wild re risk.

“If you pay for this through reassessments or surcharges, those are all costs that are passed on,” she said.

Walker urged Colorado lawmakers to have caps on how much coverage the state property insurance plan would o er to make sure the program is nancially sound. New Mexico, for instance, only covers residential properties for up to $250,000 and up to $1 million for commercial properties.

“We want to address problems that we have and not create problems that we don’t have,” she said. e Colorado legislature convenes for its 2023 lawmaking term Jan. 9.

is story is from e Colorado Sun, a journalist-owned news outlet based in Denver and covering the state. For more, and to support e Colorado Sun, visit coloradosun. com. e Colorado Sun is a partner in the Colorado News Conservancy, owner of Colorado Community Media.

Risen

LCMS

Borgmann, former CHSAA assistant commissioner, dies

BY STEVE SMITH SSMITH@COLORADOCOMMUNITYMEDIA.COM

When former Colorado High School Activities Association assistant Commissioner Bert Borgmann died Jan. 9, Skyview girls basketball coach Chris Kemm summed up the feelings of many who are involved in high-school athletics in Colorado.

“Nooooo. Not another friend and one of the good guys,” Kemm tweeted. “My heart hurts. Bert helped me elevate my voice for high-school basketball in Colorado.”

“Shocked and saddened by the passing of retired CHSAA assistant commissioner Bert Borgmann,” tweeted Cherry Creek High Schol Athletic Director Jason Wilkins. “Bert was a big deal and really good for kids. He advanced Colorado and put his soul into his work. Bert helped me out a great number of times. He is a legend in Colorado high-school sports”

Borgmann, who spent 33 years with CHSAA before retiring in 2021, died of complications from recent surgery. He was 67. His son,. Logan, made the announcement on Facebook.

“On Monday Jan. 9, at approximately 6 p.m., our father, Bert Borgmann, the strongest man I’ve ever known, left this mortal plane and went to be with our mom,” the post read. “ e loss of my father was a surprise and de nitely has been a very di cult time. We will miss him dearly and know that his in uence and mentorship spread far and wide.”

“My dad was one of the best people I’ve ever known. He was sel ess and caring. He loved sports and his family more than anything. I won’t remember him the way I’ve seen him the past few days, but I’ll remember him the way he looked when he walked me down the aisle on my wedding day,” said Borgmann’s daughter, Callie Kryder, on Facebook. “ e way he danced with me to a song picked out by my mom before she passed. I’ll remember the way he looked when Kyle and I told him that we were expecting. And the way I knew his smile lit up when we told him that we were having a baby girl.”

SEE BORGMANN, P

CORRECTION

29

In the Jan. 12 issue of the Northglenn- ornton Sentinel, we printed an incorrect headline about the boys basketball game between Riverdale Ridge and ompson Valley high schools.

Riverdale Ridge rallied to win the ame 90-79.

We regret the error and any inconvenience. Email corrections to staylor@coloradocommunitymedia. com.

Northglenn High School

Boys basketball

Prairie View beat Northglenn 57-45 in Brighton Jan. 13. No stats were available.

Wrestling

Northglenn turned back Fairview 51-27 in Boulder Jan. 11.

e Norse’s on-mat winners were Johnny Escalera (120 pounds), Jacob Chavez (138), Jacob Brown (157), Miles Brugger (175) and Mason Mazzuca (285).

Girls basketball

Longmont topped Northglenn 54-22 in Longmont Jan. 14. No stats were available for either team.

Golden beat Northglenn 62-17 in Northglenn Jan. 12. No stats were available for either squad.

Stargate School

Girls basketball

DSST-College View slipped past Stargate School 31-30 in ornton Jan. 13. No stats were available.

Colorado Academy downed the Eagles 58-8 in ornton Jan. 10. No stats were available.

Je erson Academy downed the Eagles 49-21 in ornton Jan. 14. No stats were available.

Boys basketball

Stargate School topped Je erson Academy 60-56 in ornton Jan. 14. No stats were available.

Stargate School came out on the short end of a 66-33 score to Colorado Academy in a Jan. 10 game in ornton. George Buyers scored 16

SPORTS SCORECARD

points. Jason Bratis added 14. No stats were available for the Eagles.

Horizon High School

Girls basketball

Horizon stayed undefeated in Northern League play Jan. 13 .. barely.

e Hawks squeaked past Erie 51-50 in ornton. No stats were available for Horizon. Maddie Hartel led the Tigers with 20 points, Juliet Slater was next with 13. Horizon beat Broom eld 41-27 on the Eagles’ oor Jan. 10, thanks to 14 points from Morgan Ives and nine more from Kaitlin Schumann. Sophie Christopher led the Eagles with seven points

Wrestling

Horizon topped Boulder 56-23 on the Panthers’ mats Jan. 12.

On-mat winners for the Hawks were Caleb Schultz (106 pounds), Keegan Marosy (126), omas Boyd (132), Nalakai Martinez (144), Jaydon Hernandez (150) and Kyler Manternach (157).

Boys basketball Broom eld turned back Horizon 61-45 on the Hawks’ oor Jan. 10. Brady Greene led Horizon with 17 points. Tyreese Robison scored nine. No stats were available for the Eagles.

Girls swimming Boulder topped Horizon 203-106 in ornton Jan. 11. Haley Lake won 1-meter diving with a total of 237.1 points. Ella Dobbels was second in the 200-yard butter y

(1:09.99) and third in the 50-yard freestyle in a time of 27.69 seconds.

Peyton Setser was second in the 100- breast stroke with her time of 1:19.78. Ava Lee was second in the 200- freestyle, posting a time of 2:28.27. Kierra Lemick took fourth in the 100- backstroke, where her time was 1;15.89.

Westminster High School Wrestling

Westminster took 11th place at the Arvada Boys Wrestling Invitational Invitational Jan. 14. Aiden Perry nished fourth at 120 pounds. Perry picked up a technical fall victory over Golden View Classical Academy’s Isaiah Lanan to get into a position to place in his weight class.

Girls basketball

Westminster beat North eld 80-47 in Denver Jan. 11. Lex Trujillo scored 24 points to pace the Wolves. Alicia Trujillo scored 17, and Shay Vigil added 13. No stats were available for the Nighthawks.

Boys basketball

Eagle Ridge Academy downed the Wolves 84-66 in Westminster Jan. 14. No stats were available for either team.

North eld beat Westminster 82-70 in Westminster Jan. 11. No stats were available for the Wolves. Jesus Michael led North eld with 24 points. JP Ndong added 19.

Girls swimming

Riverdale’s Alissa Neurauter goes up for a layup uring Thursday’s game against Mountain View. Riverdale won 70-33.

PHOTOS BY JONATHAN MANESS

Riverdale freshman Brihanna Crittendon pulls up for a basket during Thursday’s game against Mountain View. Riverdale won 70-33.

Eight wrestlers place at Frederick Golden Eagle Invitational

BY STEVE SMITH SSMITH@COLORADOCOMMUNITYMEDIA.COM

FREDERICK -- Horizon’s Camden Neil took second place at 190 pounds at the Frederick Golden Eagle Invitational Jan. 14. He won his two contested matches by pinfall before losing to Vista Peak’s Ezekiel Taylor in the nals.

Jordan Harris was third at 215 pounds. His only tournament loss was in the semi nals. He beat Max Ray of Monrch, Tyler May of Silver Creek and Diego Vallejos of Northridge. Kyler Manternach took fourth place at 157 pounds. Manternach received a rst-round bye, then split his four tournament matches. He beat Erie’s Wyatt Watson by decision and pinned Mountain Range’s Eric Ramirez in the consolation semi nals.

As for the Mustangs, Zach Cronholm was second at 132 pounds. He pinned his rst three opponents in less than 3 1/2 minutes. Max Vejnar was second at 215 pounds. He pinned his rst three opponents in just about ve minutes of mat time.

Angelo Melendez (113 pounds) and Angelo Ramirez (120 pounds) placed fourth. Melendez lost in the quarter nal round before battling back to place. Ramirez lost in the semi nals, then won a consolation seminal match against LIttleton’s Elias Garcia. Greeley Central’s David Valdez prevailed in the third-place match by a score of 2-1.

Joaquin Hernandez also placed fourth at 138 pounds. He lost in the quarter nals, then had to win three straight matches in the consolation bracket to get a chance to place. Kyan Reuter won the third-place match by forfeit.

Mountain Range placed sixth in the team standings. Horizon was ninth.

Football

Here’s the list of area all-state football players through voting by CHSAANow.com, MaxPreps and ColoradoPreps.com:

In class 3A, Holy Family’s Rylan Cooney and Skyview’s Xavier Crispin earned honorable-mention recognition.

In class 4A, ornton’s Alex Garcia-Debaca and Isacc Gomez earned honorable-mention recognition.

In class 5A, Legacy’s Omari Busey and Ryan Bynarowicz earned honorable-mention recognition. So did Legacy’s Brandon Sanchez, Owen Lee and Kullen Lerma.

SCORECARD

Westminster nished third in a four-way meet at Denver North High School Jan 11.

Isabella Duiskin won the 500freestyle in a time of 7:38.50. She also placed third in the 200- freestyle, where her time was 2;54.28.

Angi Pojoy took third in the 100-yard backstroke (1:40.99) and fourth in the 50-yard freestyle in a time of 35.35 seconds. Alany Balderrama was fth in the 100- freestyle, where her time was 1:39.01.

Legacy High School

Wrestling Legacy won the team title at the

College wrestling

Former Skyview wrestler Jaslynn Gallegos is the College Conference of Illinois & Wisconsin Women’s Wrestling Student-Athlete of the Week ending Jan. 10.

She is the No. 2-rated wrestler at 116 pounds. She won all three matches at the National Wrestling Coaches Association tournament in Louisville, Kentucky. One of those wins was against the top-rated wrestler in her weight class.

Girls soccer

Horizon’s new coach for girls soccer is Steve Hoeben. He has more than 30 years’ experience in coaching and coaches at the University of Colorado.

Alameda Wrestling Tournament Jan. 14 in Lakewood.

Matthew Colton took rst place at 113 pounds. He beat Dustin Hendrix of Golden 7-1 in the nals. Jaxson Joiner took second at 106 pounds. Joiner pinned his rst two opponents before Alameda’s Caleb Ballejos won the tournament crown.

Legacy’s Brennon Joiner also captured rst place in his weight class (132 pounds). ree of his four wins were by pinfall. He won the title by beating Columbine’s Anthony Rodriguez 7-0.

e Lightning’s Konnor Large wound up atop the heap at 157 pounds. He beat Mushtaq Shokori of Alameda 12-7 in the nals. Ryan Bynarowicz won the 175-pound

Mountain Range’s Iker Acosta Ferrera puts the squeeze on a Bridging Josh Solis during a 126-pound, first-round match at the Golden Eagle Invitational at Frederick High School Jan. 14. Acosta-Ferrera won by pinfall in 2:48. PHOTOS BY STEVE SMITH

Littleton’s Alias Garcia looks to turn Frederick’s Andres Hernandez in the first round of 120-pound matches at the Golden Eagle Invitational Jan. 14 at Frederick High School. Garcia won the match by a score of 6-0.

Erie’s Tyler Muir has Horizon’s Keegan Marosy in a bad spot during a 126-pound, first-round match at the Golden Eagle Invitational at Frederick High School. Muir won the contest by pinfall in 3:02.

SCORECARD

UP

ELZZ

title after beating Niwot’s Gavin Burrage by pinfall in 2:41. All four of Bynarowicz’s wins were by pinfall Anderson’s two wins in the tournament were by pinfall.

Quinn Funk took rst place at 190 pounds. All three of his wins in the tournament were by pinfall, including a 43-second win over Denver West’s Alexis Marcial.

Landron Hetrick was second at 126 pounds. He pinned his rst three opponents before running up against NIwot’s Ryder Evans in the nals. Alexander Erickson (215) and Landen Anderson (285) also placed second. Erickson pinned one opponent and won by forfeit.

Brayden Albrecht was third at 120 pounds. Albrecht won two matches in the consolation draw, including a pinfall win over Golden’s Levi Smith to take third place.

Brandon Bethers (144) was fourth. He split his fourth matches, including a tough, 3-2 decision against Bear Creek’s Jackson Holynski in the consolation semi nals.

Girls wrestling Alanna Snyder placed third at 155 pounds at the Poudre Shooting Stars Invitational Jan. 14. After a semi nal round loss, Snyder pinned her next two opponents, including Severance’s Carolynn Hunt in the third-place contest.

Swimming Legacy nished fourth at the Boulder County Invite in Broom eld Jan. 14.

Sabrina Rachjabun was second in the 200-yard freestyle, fashioning a time of 1:56.01. She also nished second in the 500- freestyle in a time of 5:10.75.

Valerie Xin took fth in the 50freestyle in a time of 25.77 seconds. Allison Xin was fth in the 100- freestyle, where her time was 57.96. Alivia Weaver was fourth in the 100- butter y in a time of 1:03.18 and third in the 200- individual medley, where her time was 2L24.15.

Agnes Mu’s time of 1:03.71 was good for sixth place in the 100- butter y. Teammate Valerie Xin took eighth in tat race with a time of 1:06.04. Addie Donohue nished the 200- individual medley in a time of 2:28.69, which put her in fourth place.

Julia Raskay nished sixth in the 100- backstroke, where her time was 1:04.4. Amanda Zou was eighth in the

100- breaststroke, posting a time of 1:20.03. Emily Petranek was eighth in the 200- freestyle. Her time was 2:07.41. Addie Donohue was seventh in the 500- freestyle in a time of 5:54.29.

e Lightning’s 200- freestyle relay team (Weaver, Raskay, Jolie Nguyen and Valerie Xin) was third in a time of 1:47/62. Petranek, Agnes Mu, Nelly Beall and Allison nished sixth in that relay in a time of 1:49.38. e 200-medley relay team of Allison Xin, Rachjabun, Weaver and Valerie Xin. nished fourth in a time of 1:54.18. e 400- freestyle relay team nished sixth in a time of 3:54.18. Its members were Addie Donohue, Emma Schauvle, Raskay and Rachjabun.

Boys basketball

Legacy got past Loveland 55-38 in Loveland Jan. 13. Nathan Spradling scored 13 points to lead the Lightning. Bryce Spradling and Ari Hapring added 11. No stats were available for the Red Wolves. LHS was 11th in the team standings.

Legacy turned back Monarch 74-54 in Broom eld Jan. 10. Isaac Ward led the Lightning with 13 points. Brandon Domsch scored 12, while Bryce Spradling and Harping added 11.

Dean Reeves led the Coyotes with 12 points. Evan Trujillo scored eight.

Girls basketball

Legend beat Legacy 50-35 in Broomeld Jan. 14. No stats were available.

Legacy downed Loveland 51-28 in Broom eld Jan. 13. No stats were available for either team.

Monarch outscored Legacy 59-39 in a Jan. 10 game in Lafayette. Amelida Rosin led the Coyotes with 16 points. Natalie Guanella had 13m, while Arezo Sa and Caroline Walley added 10. Madison Gage scored 18 points to lead the Lightning. Kendall Rippley scored seven.

Mountain Range High School

Boys basketball

Brighton turned back Mountain Range 81-72 in Brighton Jan. 13. Cooper George led the Bulldogs with 20 points. Geovanni Velarde had 19, including four baskets from 3-point range. Andrew Bernatow added 13.

Mekhi Jourdan scored 20 points, including three, 3-pointers. Eric Dellett added 12, as did Julian Kane.

Boulder stopped Mountain Range 60-51 in Boulder Jan. 10. Riley Stein led the Panthers with 19 points. Kyle Blauch scored 18, and Grayson Donaldson scored 11. No stats were available for the Mustangs.

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“We lost a great man and massive in uence on CO High School Basketball. RIP,” said Rangeview basketball coach Shawn Palmer on Twitter.

CHSAANow.com recounted Borgmann’s many awards during his 33year tenure at CHSAA. He received the Jim Saccomano Award (National Football Federation – Colorado Chapter), the Ray Lutz Award (Rocky Mountain Athletic Conference), is a member of the Colorado Dugout Club Hall of Fame (Colorado Baseball Coaches Association), received the NFHS Section 6 Citation Award for outstanding contribution to the mission of the NFHS, served as chair and acting member of the NFHS Press Committee and was a Lifetime Honorary Member of the International Association of Approved Basketball O cials Board 4.

“ e hearts of the CHSAA family are breaking tonight at the loss of a true champion for high school sports and activities,” tweeted CHSAA Commissioner Mike Krueger. “Rest in peace and love my dear friend. ank you for epitomizing servant leadership.”

“Wanna pass my deepest condolences to the family of Bert Borgmann, who passed away,” said Altitude Sports personality Vic Lombardi. “Bert was the backbone of CHSAA for so many years. A remarkable career serving youth in Colorado high-school sports.”

“So heartbreaking to lose a good man,” said Virginia Lorbeer, who helped Borgmann run the state bas-

ketball tournaments for several years.

“When I started as an AD, Bert was always there to talk to and get guidance from,” said Horizon’s Marty Tonjes on Twitter. “Loved our conversations about everything Colorado sports. He loved the preps.”

Borgmann grew up in Broom eld, graduated from Colorado State University and lived in Aurora.

“Sad to hear of the passing of Eagle hoops alum (class of ‘74) and longtime CHSAA administrator Bert Borgmann,” read a tweet from the Broom eld High School boys’ basketball team. “He was so in uential in Colorado high-school sports for decades.”

Like a lot of people involved in high-school sports, Je co School District Sports Information Director Dennis Pleuss was shocked and saddened.

“Bert was a friend and mentor since 1997 when I started covering prep sports in CO. Prayers and thoughts to

his family,” he tweeted.

“Words cannot describe the sadness right now. I’m not doing what I do if not for Bert. is has been an unbelievably devastating week,” said ColoradoPreps.com Editor Dan Mohrmann.

CPR News host Vic Vela tweeted, “What a stunning loss. Bert Borgmann was such a nice man and was so good to me as a reporter looking to get in touch with people involved in Colorado Preps.”

“Bert Borgmann and I have been friends since 1977. He and I had a lot of laughs, and many rounds of golf together,” said high-school basketball o cial Guy Blasi on Facebook. “I am stunned. Sad is not the appropriate word.”

“Bert was a supremely good dude who cared deeply about high-school athletes. What a devastating loss for Colorado,” tweeted Matt Meyer, former prep writer for the Grand Junction Sentinel.

Ryan Casey was a former assistant commissioner at CHSAA and worked alongside Borgmann before joining MaxPreps.

“He was a key part of helping to make CHSAA into a modern state association,” Casey tweeted. “He was hired in 1988, and helped lead big change in the association. He started the hall of fame. He oversaw most every sport by the time he retired in 2021.”

Despite Borgmann’s supervision of most of the sports and activities through CHSAA, Casey said Borgmann’s favorite sport may have been baseball.

“I can picture him in the press box at All-City Field on some early June morning, awaiting the state cham-

pionships. He always had a story to share, and someone to share it with,” Casey tweeted. “Bert had an a nity for the history of CHSAA. e o ce has a massive room dedicated to archives from its 100-plus year history, some of the literally loose papers from the founding in 1921. But it always felt like he remembered more than what could t in that room.”

“Damn that is terrible news on Bert,” said Riverdale Ridge parent Gordon Lancaster, who’s also involved with the Brighton Youth Baseball and Softball Association. “He helped me get my rst press credential writing for rivals and showed me how to navigate (high-school) media back in the early 2000s. Sad to hear. Dude was a passionate advocate for high school sports in Colorado.”

Service arrangements are incomplete. His wife, Alexandra Hays, predeceased him. Survivors include his two children, Logan and Callie, and his grandson, Connor.

“Bert had a huge impact on highschool athletics not only here in Colorado, but across the NFHS (National Federation of High Schools) more broadly. He will be missed,” Casey tweeted.

“I’m devastated that I won’t get to see him hold my baby girl and soothe her the way he soothed my nephew,” Krider said on Facebook “I’m broken-hearted that he’ll never get to know her and that my little girl won’t have any grandparents on mom’s side. I hope she gets his hardworking attitude and his loyalty, because those are things I admired most about him. I know he’s reunited with the love of his life, and they can look down on us and that they’ll always be here.”

Bert Borgmann and his son, Logan PROVIDED

Public

Legals

Public Trustees

COMBINED NOTICE - PUBLICATION

CRS §38-38-103 FORECLOSURE SALE NO. A202279520

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust:

On October 20, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Adams records.

Original Grantor(s) Patricia J. Scully

Original Beneficiary(ies)

MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR GUILD MORTGAGE COMPANY, ITS SUCCESSORS AND ASSIGNS

Current Holder of Evidence of Debt COLORADO HOUSING AND FINANCE AUTHORITY Date of Deed of Trust May 01, 2018

County of Recording Adams

Recording Date of Deed of Trust May 03, 2018

Recording Information (Reception No. and/or Book/Page No.) 2018000036174

Original Principal Amount $219,451.00

Outstanding Principal Balance $206,072.47

Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.

LEGAL DESCRIPTION

CONDOMINIUM UNIT R-7-102, FIRST CREEK FARM CONDOMINIUMS AMENDMENT NO. 2, ACCORDING TO THE CONDOMINIUM MAP RECORDED SEPTEMBER 2, 2003 UNDER RECEPTION NO. 1202343, AND AS DEFINED AND DESCRIBED IN THE CONDOMINIUM DECLARATION FOR FIRST CREEK FARM CONDOMINIUMS RECORDED OCTOBER 29, 2015 AT RECEPTION NO. 2015000090905, COUNTY OF ADAMS, STATE OF COLORADO.

Also known by street and number as: 5704 North Gibraltar Way #7-102,

Aurora, CO 80019.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.

NOTICE OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 02/15/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication12/22/2022

Last Publication1/19/2023

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED;

DATE: 10/20/2022

Lisa L. Culpepper, Public Trustee in and for the County of Adams, State of Colorado

By: Treasurer and Public Trustee

The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: N. April Winecki #34861

Janeway Law Firm PC 9800 S. Meridian Blvd., #400, Englewood, CO 80112 (303) 706-9990

Attorney File # 22-028609

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. A202279525

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust:

On October 20, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Adams records.

Original Grantor(s)

Honey Lee Masters

Original Beneficiary(ies)

Urban Financial Group, Inc.

Current Holder of Evidence of Debt

Mortgage Assets Management, LLC

Date of Deed of Trust September 20, 2006

County of Recording Adams

Recording Date of Deed of Trust September 27, 2006

Recording Information (Reception No. and/or Book/Page No.) 20060927000974550

Original Principal Amount $240,000.00

Outstanding Principal Balance $151,849.10

Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.

THE NORTH 1/2 OF THE WEST 140 FEET OF LOT EIGHTY-SIX (86), EXCEPT THE WEST 20 FEET THEREOF, BLACK HAWK DERBY SUBDIVISION, COUNTY OF ADAMS, STATE OF COLORADO

Also known by street and number as: 6674 Oneida Street, Commerce City, CO 80022.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.

NOTICE OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 02/15/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication12/22/2022

Last Publication1/19/2023

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; DATE: 10/20/2022

Lisa L. Culpepper, Public Trustee in and for the

Adams

KEYTRAK

BAWDEN

CARUSO

CINA

CODE

DAWN

GATEWAY

MAINTENANCE CHEF LLC 1/5/2023 964.12

MARKHAM GALLEGOS JENNIFER 1/5/2023 850.00

REVEREND BROWN SPIRITUAL CAR 1/5/2023 5,416.00

SIEGEL THOMAS WEIL 1/5/2023 75.00

SOUTH ADAMS COUNTY FIRE DEPT 1/5/2023 611,303.31

WELLPOWER 1/5/2023 6,671.50

BRANTNER DITCH CO 1/5/2023 6,907.50

ALLIANCE FOR CRIMINAL JUSTICE 1/5/2023 2,250.00

ALPINE CREDIT, INC 1/5/2023 19.00

AVOLVE SOFTWARE CORP 1/5/2023 137,400.00

BIDNET DIRECT 1/5/2023 9,670.00

CENTURA HEALTH 1/5/2023 900.00

CENTURY LINK 1/5/2023 201.40

CICCONE MICHELLE 1/5/2023 19.00

CML SECURITY LLC 1/5/2023 6,630.00

COLO DIST ATTORNEY COUNCIL 1/5/2023 690.30

COLO DIST ATTORNEY COUNCIL 1/5/2023 43.82

COLORADO COMMUNITY MEDIA 1/5/2023 34,100.00

CORECIVIC INC 1/5/2023 5,090.00

DC APPRAISERS 1/5/2023 600.00

DEEP ROCK WATER 1/5/2023 75.22

FEDEX 1/5/2023 210.69

GARCIA, PALOMA M 1/5/2023 113.43

GOVERNOR’S OFFICE OF IT 1/5/2023 2,237.22

GPS SERVERS LLC 1/5/2023 38.00

GRAY QUARTER INC 1/5/2023 8,325.00

HANKS STEPHEN KEITH 1/5/2023 4,400.00

HERMOSILLO STACY 1/5/2023 19.00

HIGH PLAINS REPORTING & TRANS 1/5/2023 207.00

HOLST AND BOETTCHER 1/5/2023 19.00

HP INC 1/5/2023 4,509.50

I70 SCOUT THE 1/5/2023 394.40

I70 SCOUT THE 1/5/2023 394.40

I70 SCOUT THE 1/5/2023 394.40

INTERVENTION COMMUNITY CORR 1/5/2023 9,770.00

JARAMILLO CORDELIA 1/5/2023 653.60 JAYHAWK TRAILERS 1/5/2023 9,800.00

1/5/2023 204.00 KOCH JEREMY 1/5/2023 19.00 LEXIS NEXIS MATTHEW BENDER 1/5/2023 2,181.11 LOWER CLEAR CREEK DITCH 1/5/2023 6,075.00 MAIKER HOUSING PARTNERS 1/5/2023 184,116.11 MARCHUS SHELA 1/5/2023 281.25 MCMULLEN, BETHANY H 1/5/2023 130.90 MEDICAID 1/5/2023 107.00 MEXICAN CULTURAL CENTER 1/5/2023 950.00 MOORE RYAN 1/5/2023 150.00 MUNCIE DANIEL 1/5/2023 19.00 MURPHY RICK 1/5/2023 4,767.80 OCHS CRYSTAL 1/5/2023 1,090.00

3,145.00 PEARL COUNSELING ASSOCIATES 1/5/2023 5,404.00 PRO

COMPUTER SYSTEMS IN 1/5/2023 2,055.16

PUEBLO COUNTY SHERIFF 1/5/2023 7.50

REAP 1/5/2023 72.00

ROCKY MOUNTAIN PARTNERSHIP 1/5/2023 14,268.66

RUNBECK ELECTION SERVICES INC 1/5/2023 852.30

SANDOVAL, SARAH A 1/5/2023 1,350.59

SHI INTERNATIONAL CORP 1/5/2023 900.70

SHOTSPOTTER INC 1/5/2023 35,250.00

SHRED-IT 1/5/2023 128.40

STATE OF COLORADO 1/5/2023 2,403.60

STATE OF COLORADO 1/5/2023 3,709.19

STATE OF COLORADO 1/5/2023 469.33

STATE OF COLORADO 1/5/2023 635.17

STATE OF COLORADO 1/5/2023 761.71

STATE OF COLORADO 1/5/2023 1,259.52

STATE OF COLORADO 1/5/2023 344.63

STATE OF COLORADO 1/5/2023 466.42

STEIN LAW PC 1/5/2023 19.00

STRATEGY AND EVALUATION 1/5/2023 13,100.00

SUMMIT FOOD SERVICE LLC 1/5/2023 7,619.94

SWAZO, CHRISTOPHER A 1/5/2023 2,500.00

TYGRETT DEBRA R 1/5/2023 425.00

UPS 1/5/2023 800.00

VERIZON WIRELESS 1/5/2023 4,537.78 WAGNER GEORGIA C 1/5/2023 26.25 Fund Total 1,301,155.29

Golf Course Enterprise Fund

2,114.22

1,138.58

The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Ilene Dell’Acqua #31755 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230, Centennial, CO 80112 (877) 369-6122

Attorney File # CO-22-946907-LL

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. A202279544

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust:

On November 3, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Adams records.

Original Grantor(s)

Jason Schneider and Tammy L. James-Schneider

Original Beneficiary(ies)

Mortgage Electronic Registration Systems, Inc., as Beneficiary, as nominee for American Financing Corporation, its successors and assigns

Current Holder of Evidence of Debt

Citizens Bank NA f/k/a RBS Citizens NA

Date of Deed of Trust May 04, 2016 County of Recording Adams

Recording Date of Deed of Trust May 11, 2016

Recording Information (Reception No. and/or Book/Page No.) 2016000036570

Original Principal Amount $324,800.00

Outstanding Principal Balance $309,573.07

Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.

LOT 22, BLOCK 10, SAGE CREEK, FILING NO. 1, AMENDMENT NO. 1, COUNTY OF ADAMS, STATE OF COLORADO.

Also known by street and number as: 12505 Kearney Circle, Thornton, CO 80602.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.

Stormwater Utility Fund

UTILITY NOTIFICATION CENTER OF 1/5/2023 1,111.50 Fund Total 1,111.50

Road & Bridge Fund

AGGREGATE INDUSTRIES 1/5/2023 392,990.87

BROZOVICH LINETTE MAE 1/5/2023 9,216.00

CENTRAL SALT LLC 1/5/2023 2,362.49 EST INC 1/5/2023 24,956.50

FEDERAL HEIGHTS CITY OF 1/5/2023 51,311.95

GMCO CORPORATION 1/5/2023 13,230.00

ROCKSOL CONSULTING GROUP INC 1/5/2023 24,424.73

SCOTT CONTRACTING 1/5/2023 317,344.46

STANTEC CONSULTING CORPORATI 1/5/2023 73,391.75

VALBRIDGE PROPERTY ADVISORS 1/5/2023 3,600.00

WHITESIDES BOOTS & WESTERN C 1/5/2023 429.99

Fund Total 913,258.74

TRISTAR

TRISTAR

Insurance Fund

1/5/2023 10,277.87

ARTHUR J GALLAGHER 1/5/2023 33,270.03

ARTHUR J GALLAGHER 1/5/2023 1,260.00

ARTHUR J GALLAGHER 1/5/2023 100.00

CA SHORT COMPANY 1/5/2023 5,960.00

NOTICE OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 03/08/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication1/12/2023

Last Publication2/9/2023

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED;

DATE: 11/03/2022

Lisa L. Culpepper, Public Trustee in and for the County of Adams, State of Colorado

By: Treasurer and Public Trustee

The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Amanda Ferguson #44893 Halliday, Watkins & Mann, P.C. 355 Union Blvd., Suite 250, Lakewood, CO 80228 (303) 274-0155

Attorney File # CO12072

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

NOTICE -

COMBINED

PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. A202279529

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 27, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Adams records.

Original Grantor(s)

Desiree Rose Allen AND Erik Mitchell Weippert Original Beneficiary(ies)

MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR ACADEMY MORTGAGE CORPORATION, ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt COLORADO HOUSING AND FINANCE AUTHORITY

County of Adams, State of Colorado By: Treasurer and Public Trustee

Public Notices

Date of Deed of Trust

July 24, 2020

County of Recording Adams

Recording Date of Deed of Trust August 04, 2020

Recording Information (Reception No. and/or Book/Page No.) 2020000074475

Original Principal Amount $402,573.00

Outstanding Principal Balance $389,544.50

Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.

LOT 37, BLOCK 3, QUAIL CROSSING SUBDIVISION, FILING NO. 1, SECOND AMENDMENT, COUNTY OF ADAMS, STATE OF COLORADO.

APN #: 0157328113034

Also known by street and number as: 1332 West 133Rd Way, Westminster, CO 80234.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.

NOTICE OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 03/01/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’

Public Notice

DISTRICT COURT, WATER DIVISION 1, COLORADO DECEMBER 2022 WATER RESUME PUBLICATION

TO: ALL PERSONS INTERESTED IN WATER APPLICATIONS IN WATER DIV. 1 Pursuant to C.R.S. 37-92-302, you are notified that the following is a resume of all water right applications, and certain amendments filed in the Office of the Water Clerk during the month of DECEMBER 2022 for each County affected.

2022CW3204 IMBODEN AND 120TH LLC; c/o Sankar Chava; 21097 E Nichols Pkwy; Aurora, Colorado; 80016. APPLICATION

FOR UNDERGROUND WATER RIGHTS FROM NONTRIBUTARY AND NOT-NONTRIBUTARY SOURCES AND FOR APPROVAL OF PLAN FOR AUGMENTATION

IN ADAMS COUNTY. Please send all pleadings and correspondence to: William D. Wombacher, Esq., Stacy L. Brownhill, Esq., Nazarenus Stack & Wombacher LLC, 5299 DTC Blvd., Suite 610, Greenwood Village, Colorado 80111. 1. Overview. Applicant seeks to adjudicate the Denver Basin Aquifers underlying approximately 158 acres owned by Applicant in Adams County, Colorado (“Property”), depicted on Exhibit A. This includes not-nontributary water in Denver Aquifer and nontributary water in the Upper Arapahoe, Lower Arapahoe, and Laramie-Fox Hills Aquifers. Applicant also seeks approval of a plan for augmentation for withdrawals of the not-nontributary groundwater from the Denver Aquifer. 2. Jurisdiction. The Water Court has jurisdiction over the subject matter of this application pursuant to C.R.S. §§ 37-92-302(2) and 37-90-137(6). 3. Underground Water Rights Claimed A. Wells. Wells that will withdraw the groundwater sought to be decreed by this Application have not yet been constructed, nor have applications for well permits been filed. Prior to constructing any additional wells to withdraw the subject groundwater, Applicant will apply to the State Engineer for a permit to construct that well, and the Applicant requests that the Court require, as a condition of the decree entered in this case, that well permits be issued upon application for any such wells in accordance with said decree. B. Legal Description of Wells and Subject Property. The wells will be located on the Property and Applicant seeks to adjudicate the Denver Basin Aquifers underlying all of the Property, which is located in the NE¼ of Section 6, Township 2 South, Range 64 West, 6th P.M., Adams County, Colorado. C. Source of Water Rights. The source of the groundwater to be withdrawn from the Denver Aquifer is not-nontributary as described in C.R.S. § 37-90-103(10.7). The source of groundwater to be withdrawn from the Upper Arapahoe, Lower Arapahoe, and Laramie-Fox Hills Aquifers is nontributary. D. Parcel Ownership. Applicant represents the sole owner of the Property and has provided notice to all mortgage and lien holders as required under C.R.S. §37-92-302(2)(b). E. Estimated Amounts and Rates of Withdrawal. The wells will withdraw the groundwater at rates of flow necessary to efficiently withdraw the entire decreed amounts. Applicant will withdraw the subject groundwater through wells to be located at any location on the Property, and Applicant waives any 600-foot spacing rule as described in C.R.S. § 37-90137(2)(b)(I)(B) for wells located on the Property. The estimated average annual amounts of withdrawal available from the subject aquifers as indicated below are based upon the Denver Basin Rules, 2 C.C.R. § 402-6. Applicant, based on the Colorado Division of Water Resources online aquifer determination tool, estimates the following annual amounts of nontributary and not-nontributary underlie the Property:

Water Supply Availability (af/yr) Denver Upper Arapahoe Lower Arapahoe LaramieFox Hills Totals Not-Nontributary (NNT) 27.180.000.000.0027.18 Nontributary (NT) 0.0027.5028.5535.8691.91 Total Combined NNT and NT 119.09

The water supply availability listed in the table above is based on a 100-year aquifer life in accordance with C.R.S. § 37-90-137(4)(b)(I). Applicant claims the right to withdraw more than the average annual amounts listed above pursuant to Rule 8A of the Statewide Rules, 2 C.C.R. § 402-7. F. Wellfield. Applicant requests that this Court determine that Applicant has the right to withdraw all of the legally available groundwater lying below the Property through wells which may be located anywhere on the Property and any additional wells which may be completed in the future as Applicant’s wellfields. As additional wells are constructed, well permit applications will be filed in accordance with C.R.S. § 37-90-137(10). G. Proposed Uses. Municipal, domestic, commercial, industrial, irrigation, livestock watering, fire protection, recharge, storage, recreation, exchange, augmentation, and replacement. Applicant also claims the right to reuse and successive uses of the water to extinction, and the right to lease, convey, or otherwise dispose of the water. H. Places of Use. Applicant seeks the right to use the legally available groundwater lying below the Property both on the Property and off the Property. Uses off the Property include, but are not limited to, other lands contiguous to the Property and owned by the Applicant. 5. Description of Plan for Augmentation. A. Groundwater to be Augmented. All withdrawals of not-nontributary Upper Dawson Aquifer groundwater underlying the Property, as requested herein. B. Water Rights to be Used for Augmentation: i. Not-nontributary groundwater from the Denver Aquifer underlying the Property as decreed herein; and ii. Nontributary groundwater from the Upper Arapahoe, Lower Arapahoe, and Laramie-Fox Hills Aquifers underlying the Property as decreed herein. C. Statement of Plan for Augmentation. During pumping, Applicant will replace depletions associated with the withdrawal of the not-nontributary groundwater decreed herein pursuant to C.R.S. § 37-90137(9)(c.5) (i.e., 4% of not-nontributary withdrawals from the Denver Aquifer where such withdrawals are farther than one mile from any point of contact between any natural stream and the aquifer, and actual depletions of not-nontributrary withdrawals from the Denver Aquifer where such withdrawals are closer than one mile from any point of contact between any natural stream and the aquifer). To ensure such replacements are made, Applicant will develop accounting to document replacements that accrue by (i) return flows from irrigation; and (ii) treated wastewater discharges. Further, direct releases of not-nontributary and nontributary groundwater may be used for augmentation. To meet post-pumping depletion requirements for not-nontributary withdrawals of groundwater underlying the Property, Applicant will reserve an amount of nontributary groundwater equal to the post-pumping depletions. D. Augmentation Plan Assumptions. Applicant will develop augmentation plan assumptions and measuring devices to account for replacement water. Consumptive use is expected to be approximately 10% for all groundwater pumped for indoor use to account for any treatment and inhouse loss. For irrigation, sprinkler irrigation is expected to be approximately 85% consumptive and drip irrigation is expected to be approximately 95% consumptive. Applicant reserves the right to use reclaimed water or gray water for irrigation and will separately measure and account for such uses. WHEREFORE, Applicant respectfully requests the Court enter a ruling that: (1) grants the determination of groundwater rights requested herein for the nontributary Upper Arapahoe, Lower Arapahoe, and Laramie-Fox Hills Aquifers and the not-nontributary Denver Aquifer; (2) grants the plan for augmentation described in Paragraph 5; and (3) grants such other and further relief as the Court deems appropriate. (6 pages, 1 exhibit).

THE WATER RIGHTS CLAIMED BY THESE APPLICATIONS MAY AFFECT IN PRIORITY ANY WATER RIGHTS CLAIMED OR HERETOFORE ADJUDICATED WITHIN THIS DIVISION AND OWNERS OF AFFECTED RIGHTS

MUST APPEAR TO OBJECT WITHIN THE TIME PROVIDED BY STATUTE OR BE FOREVER BARRED.

YOU ARE HEREBY NOTIFIED that any party who wishes to oppose an application, or an amended application, may file with the Water Clerk, P. O. Box 2038, Greeley, CO 80632, a verified Statement of Opposition, setting forth facts as to why the application should not be granted, or why it should be granted only in part or on certain conditions. Such Statement of Opposition must be filed by the last day of FEBRUARY 2023 (forms available on www.courts. state.co.us or in the Clerk’s office), and must be filed as an Original and include $192.00 filing fee. A copy of each Statement of Opposition must also be served upon the Applicant or Applicant’s Attorney and an affidavit or certificate of such service of mailing shall be filed with the Water Clerk. Legal Notice No.: NTS2011 First Publication: January 19, 2023 Last Publication: January 19, 2023 Publisher: Westminster Window

fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication1/5/2023

Last Publication2/2/2023

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED;

DATE: 10/27/2022

Lisa L. Culpepper, Public Trustee in and for the County of Adams, State of Colorado By: Treasurer and Public Trustee

The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: N. April Winecki #34861

Janeway Law Firm PC 9800 S. Meridian Blvd., #400, Englewood, CO 80112 (303) 706-9990

Attorney File # 22-028650

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

COMBINED NOTICE - PUBLICATION

CRS §38-38-103 FORECLOSURE SALE NO. A202279557

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On November 10, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Adams records.

Original Grantor(s)

Karyl Lyn Haden

Original Beneficiary(ies)

CHERRY CREEK MORTGAGE CO., INC.

Current Holder of Evidence of Debt BANKUNITED NA Date of Deed of Trust March 26, 2009

County of Recording Adams

Recording Date of Deed of Trust April 01, 2009

Recording Information (Reception No. and/or Book/Page No.) 2009000022539

Original Principal Amount $200,355.00 Outstanding Principal Balance $163,754.14

Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.

THE FOLLOWING DESCRIBED PROPERTY LOCATED IN ADAMS COUNTY, COLORADO: LOT 2 BLOCK 4 BRIGHTON CROSSING FILING #1

Also known by street and number as: 289 Bristlecone Street, Brighton, CO 80601.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.

NOTICE OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 03/15/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication1/19/2023

Last Publication2/16/2023

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; DATE: 11/10/2022

Lisa L. Culpepper, Public Trustee in and for the County of Adams, State of Colorado By: Treasurer and Public Trustee

The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Alison L. Berry #34531 Janeway Law Firm PC 9800 S. Meridian Blvd., #400, Englewood, CO 80112 (303) 706-9990

Attorney File # 22-028675

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

COMBINED NOTICE - PUBLICATION

CRS §38-38-103 FORECLOSURE SALE NO. A202279531

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust:

On October 27, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Adams records.

Original Grantor(s) Jose Medina, Jr.

Original Beneficiary(ies)

MORTGAGE ELECTRONIC REGISTRATION

SYSTEMS, INC. AS NOMINEE FOR FAIRWAY INDEPENDENT MORTGAGE CORPORATION, ITS SUCCESSORS AND ASSIGNS

Current Holder of Evidence of Debt COLORADO HOUSING AND FINANCE AUTHORITY Date of Deed of Trust November 30, 2016 County of Recording Adams

Recording Date of Deed of Trust December 14, 2016

Recording Information (Reception No. and/or Book/Page No.) 2016000108889**

Original Principal Amount $315,185.00 Outstanding Principal Balance $289,359.89

Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.

LOT 11, BLOCK 3, SHERWOOD HILLS FIRST FILING, COUNTY OF ADAMS, STATE OF COLORADO.

**MODIFICATION OF PROMISSORY NOTE AND DEED OF TRUST RECORDED 3/17/2017 AT RECEPTION NO. 2017000023890 TO MODIFY PROPERTY ADDRESS

Also known by street and number as: 2386 E 101St Way, Thornton, CO 80229.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.

NOTICE OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 03/01/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication1/5/2023

Last Publication2/2/2023

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED;

DATE: 10/27/2022

Lisa L. Culpepper, Public Trustee in and for the County of Adams, State of Colorado By: Treasurer and Public Trustee

The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: David R. Doughty #40042 Janeway Law Firm PC 9800 S. Meridian Blvd., #400, Englewood, CO 80112 (303) 706-9990 Attorney File # 22-028651

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. A202279517

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 20, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Adams records.

Original Grantor(s)

S WILLIAMS

Also known by street and number as: 3635 W. 77TH AVE, WESTMINSTER, CO 80030.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.

NOTICE OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 02/15/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication12/22/2022

Last Publication1/19/2023

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; DATE: 10/20/2022

Lisa L. Culpepper, Public Trustee in and for the County of Adams, State of Colorado

By: Treasurer and Public Trustee

The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Anna Johnston #51978

Barrett, Frappier & Weisserman, LLP 1391 Speer Boulevard, Suite 700, Denver, CO 80204 (303) 350-3711

Attorney File # 00000009629551

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. A202279549

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust:

On November 3, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Adams records.

Original Grantor(s) JASON STREIFEL Original Beneficiary(ies) CHASE MANHATTAN MORTGAGE CORPORATION Current Holder of Evidence of Debt MIDFIRST BANK Date of Deed of Trust March 19, 2004 County of Recording Adams Recording Date of Deed of Trust April 01, 2004 Recording Information (Reception No. and/or Book/Page No.) 20040401000180970

Original Principal Amount $190,667.00

Outstanding Principal Balance $139,600.39

Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.

LOT NO. 5, GRANGE CREEK FILING NO. 5, P.U.D., COUNTY OF ADAMS, STATE OF COLORADO.

Also known by street and number as: 10934 ELM DRIVE, THORNTON, CO 80233.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 03/08/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust , plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication 1/12/2023

Last Publication 2/9/2023

Original Principal Amount $201,286.00 Outstanding Principal Balance $169,453.07

Pursuant

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.

THAT PART OF BLOCK 12, HARRIS PARK, MORE PARTICULARLY DESCRIBED AS FOLLOWS: BEGINNING AT A POINT 125 FEET WEST OF THE SE CORNER OF SAID BLOCK 12; THENCE NORTH 155 FEET; THENCE WEST 100 FEET; THENCE SOUTH 5 FEET; THENCE EAST 5 FEET; THENCE SOUTH 150 FEET; THENCE EAST 95 FEET TO THE POINT OF BEGINNING, COUNTY OF ADAMS, STATE OF COLORADO.

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED;

DATE: 11/03/2022

Lisa L. Culpepper, Public Trustee in and for the County of Adams, State of Colorado

By: Treasurer and Public Trustee

The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: N. April Winecki #34861

Janeway Law Firm PC 9800 S. Meridian Blvd., #400, Englewood, CO 80112 (303) 706-9990

Attorney File # 22-026434

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

Public Notices

COMBINED NOTICE - PUBLICATION

CRS §38-38-103 FORECLOSURE SALE NO. A202279532

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust:

On October 27, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Adams records.

Original Grantor(s) VICTOR ORTEGA AND GRACIELA ORTEGA Original Beneficiary(ies)

MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR MORTGAGE RESEARCH CENTER, LLC DBA VETERANS UNITED HOME LOANS, ITS SUCCESSORS AND ASSIGNS

Current Holder of Evidence of Debt MIDFIRST BANK Date of Deed of Trust September 30, 2020

County of Recording Adams

Recording Date of Deed of Trust October 02, 2020

Recording Information (Reception No. and/or Book/Page No.) 2020000099911

Original Principal Amount $565,596.00

Outstanding Principal Balance $548,112.84

Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.

LOT THREE (3), BLOCK 3, MAYFIELD SUBDIVISION AMENDMENT NO. 1, COUNTY OF ADAMS, STATE OF COLORADO.

Also known by street and number as: 6758 E 119TH AVE, THORNTON, CO 80233.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.

NOTICE OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 03/01/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication 1/5/2023

Last Publication 2/2/2023

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED;

DATE: 10/27/2022

Lisa L. Culpepper, Public Trustee in and for the County of Adams, State of Colorado By: Treasurer and Public Trustee

The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: N. April Winecki #34861

Janeway Law Firm PC 9800 S. Meridian Blvd., #400, Englewood, CO 80112 (303) 706-9990

Attorney File # 22-028632

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

COMBINED NOTICE - PUBLICATION

CRS §38-38-103 FORECLOSURE SALE NO. A202279560

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust:

On November 10, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Adams records.

Original Grantor(s) CHRISTOPHER L RALEY AND TOMALIN K RALEY Original Beneficiary(ies)

MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR PEOPLES NATIONAL BANK, ITS SUCCESSORS AND ASSIGNS

Current Holder of Evidence of Debt

THE MONEY SOURCE INC.

Date of Deed of Trust

August 11, 2017

County of Recording Adams

Recording Date of Deed of Trust August 16, 2017

Recording Information (Reception No. and/or Book/Page No.)

2017000071033

Original Principal Amount $239,580.00

Outstanding Principal Balance $238,177.26

Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

FIRST LIEN.

LOT 41, GRANGE CREEK FILING NO. 7 P.U.D.,COUNTY OF ADAMS, STATE OF COLORADO.

APN #: 0172107120002

Also known by street and number as: 5202 E 111TH CT, THORNTON, CO 80233.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.

NOTICE OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 03/15/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication1/19/2023

Last Publication2/16/2023

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; DATE: 11/10/2022

Lisa L. Culpepper, Public Trustee in and for the County of Adams, State of Colorado

By: Treasurer and Public Trustee

The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Alison L. Berry #34531 Janeway Law Firm PC 9800 S. Meridian Blvd., #400, Englewood, CO 80112 (303) 706-9990

Attorney File # 19-022248

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. A202279542

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On November 3, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Adams records.

Original Grantor(s) Christian Santos

Original Beneficiary(ies)

MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR AMERICAN FINANCING CORPORATION, ITS SUCCESSORS AND ASSIGNS

Current Holder of Evidence of Debt COLORADO HOUSING AND FINANCE AUTHORITY Date of Deed of Trust July 24, 2020

County of Recording Adams

Recording Date of Deed of Trust August 06, 2020 Recording Information (Reception No. and/or Book/Page No.) 2020000076000

Original Principal Amount $412,294.00

Outstanding Principal Balance $402,359.92

Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.

LOT 19, BLOCK 7, DUNES PARK, COUNTY OF ADAMS, STATE OF COLORADO

Also known by street and number as: 10285 East 112Th Way, Commerce City, CO 80640.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.

NOTICE OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 03/08/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication1/12/2023

Last Publication2/9/2023

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED;

DATE: 11/03/2022

Lisa L. Culpepper, Public Trustee in and for the County of Adams, State of Colorado

By: Treasurer and Public Trustee

The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: David R. Doughty #40042

Janeway Law Firm PC 9800 S. Meridian Blvd., #400, Englewood, CO 80112 (303) 706-9990

Attorney File # 22-028691

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. A202279543

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust:

On November 3, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Adams records.

Original Grantor(s)

Aleece Marie Patten and Jeffrey James Patten

Original Beneficiary(ies)

Mortgage Electronic Registration Systems, Inc. (“MERS”) as nominee for Keller Mortgage, LLC dba Keller Mortgage, Its Successors and Assigns Current Holder of Evidence of Debt Wells Fargo Bank, N.A. Date of Deed of Trust September 25, 2020

County of Recording Adams

Recording Date of Deed of Trust September 29, 2020

Recording Information (Reception No. and/or Book/Page No.) 2020000097390

Original Principal Amount $350,000.00

Outstanding Principal Balance $339,402.66

Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.

LOT 9, BLOCK 3, LAKE VILLAGE FILING NO. 4, COUNTY OF ADAMS, STATE OF COLORADO.

Also known by street and number as: 12932 Columbine Circle, Thornton, CO 80241.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.

NOTICE OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 03/08/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication1/12/2023

Last Publication2/9/2023

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; DATE: 11/03/2022

Lisa L. Culpepper, Public Trustee in and for the County of Adams, State of Colorado By: Treasurer and Public Trustee

The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Ilene Dell’Acqua #31755

McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230, Centennial, CO 80112 (877) 369-6122

Attorney File # CO-22-947039-LL

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

COMBINED NOTICE - PUBLICATION

CRS §38-38-103 FORECLOSURE SALE NO. A202279536

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust:

On October 27, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Adams records.

Original Grantor(s) Bradly Willems

Original Beneficiary(ies) Mortgage Electronic Registration Systems, Inc., as Beneficiary, as nominee for Fairway Independent Mortgage Corporation, its successors and assigns

Current Holder of Evidence of Debt Freedom Mortgage Corporation Date of Deed of Trust March 03, 2017 County of Recording Adams Recording Date of Deed of Trust March 09, 2017

Recording Information (Reception No. and/or Book/Page No.) 2017000021293 Original Principal Amount $397,000.00 Outstanding Principal Balance $390,288.75

Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.

LOT 11, BLOCK 6, THE VILLAGES AT BUFFALO RUN EAST, FILING NO. 1, COUNTY OF ADAMS, STATE OF COLORADO.

Also known by street and number as: 11861 Joplin Court, Commerce City, CO 80022.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.

NOTICE OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 03/01/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust , plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication 1/5/2023

Last Publication 2/2/2023

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED;

DATE: 10/27/2022

Lisa L. Culpepper, Public Trustee in and for the County of Adams, State of Colorado By: Treasurer and Public Trustee

The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Amanda Ferguson #44893 Halliday, Watkins & Mann, P.C. 355 Union Blvd., Suite 250, Lakewood, CO 80228 (303) 274-0155

Attorney File # CO11778

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. A202279555

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust:

On November 10, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Adams records.

Original Grantor(s) Santiago A. Hernandez, Jr. Original Beneficiary(ies) Mortgage Electronic Registration Systems, Inc. as beneficiary, as nominee for Mimutual Mortgage Current Holder of Evidence of Debt Michigan Mutual Inc Date of Deed of Trust May 17, 2021 County of Recording Adams Recording Date of Deed of Trust May 28, 2021 Recording Information (Reception No. and/or Book/Page No.) 2021000065000

Original Principal Amount $356,125.00 Outstanding Principal Balance $349,174.58

Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.

THE SOUTH 11 FEET OF LOT 26, ALL OF LOT 25, EXCEPT THE SOUTH 4 FEET OF SAID LOT 25, BLOCK 14A, SHAW HEIGHTS, FOURTH FILING, COUNTY OF ADAMS, STATE OF COLORADO

Also known by street and number as: 8727 Circle Drive, Westminster, CO 80031.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.

NOTICE OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 03/15/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication1/19/2023

Last Publication2/16/2023

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED;

DATE: 11/10/2022

Lisa L. Culpepper, Public Trustee in and for the County of Adams, State of Colorado By: Treasurer and Public Trustee

The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Scott D. Toebben #19011

Randall S. Miller & Associates, P.C. 216 16th Street, Ste 1210, DENVER, CO 80202 (720) 259-6710 Attorney File # 22CO00288-1

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. A202279534

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust:

On October 27, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Adams records.

Original Grantor(s) Manuel Bermudez and Patricia A Bermudez

Original Beneficiary(ies)

Commercial Federal Bank Current Holder of Evidence of Debt Bank of the West Date of Deed of Trust September 03, 2004

County of Recording Adams

Recording Date of Deed of Trust September 14, 2004

Recording Information (Reception No. and/or Book/Page No.) 20040914000898220

Original Principal Amount $165,880.19

Outstanding Principal Balance $44,420.90

Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.

LOT 13, BLOCK 4, LAKEVIEW ESTATES, COUNTY OF ADAMS, STATE OF COLORADO. Also known by street and number as: 7011 Xavier St, Westminster, CO 80030.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.

NOTICE OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 03/01/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication1/5/2023

Last Publication2/2/2023

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED;

DATE: 10/27/2022

Lisa L. Culpepper, Public Trustee in and for the County of Adams, State of Colorado

By: Treasurer and Public Trustee

The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Ilene Dell’Acqua #31755 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230, Centennial, CO 80112 (877) 369-6122

Attorney File # CO-22-946719-LL

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

COMBINED NOTICE - PUBLICATION

CRS §38-38-103 FORECLOSURE SALE NO. A202279541

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On November 3, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Adams records.

Original Grantor(s) Jose L. Gonzales

Original Beneficiary(ies)

Mortgage Electronic Registration Systems, Inc., as beneficiary, as nominee for Home Point Financial Corporation, its successors and assigns Current Holder of Evidence of Debt

Home Point Financial Corporation Date of Deed of Trust

August 12, 2021

County of Recording

Adams Recording Date of Deed of Trust

Public Notices

August 17, 2021

Recording Information (Reception No. and/or Book/Page No.)

2021000098042

Original Principal Amount $321,530.00

Outstanding Principal Balance $316,886.64

Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.

LOT 25, BLOCK 3, PERL-MACK MANOR, FOURTEENTH FILING, COUNTY OF ADAMS, STATE OF COLORADO.

Also known by street and number as: 7087 Huron Street, Denver, CO 80221.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.

NOTICE OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 03/08/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication 1/12/2023

Last Publication 2/9/2023

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED;

DATE: 11/03/2022

Lisa L. Culpepper, Public Trustee in and for the County of Adams, State of Colorado

By: Treasurer and Public Trustee

The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Amanda Ferguson #44893 Halliday, Watkins & Mann, P.C. 355 Union Blvd., Suite 250, Lakewood, CO 80228 (303) 274-0155 Attorney File # CO-20683

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

COMBINED NOTICE - PUBLICATION

CRS §38-38-103 FORECLOSURE SALE NO. A202279546

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On November 3, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Adams records.

Original Grantor(s) THOMAS WALSH

Original Beneficiary(ies)

MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. ACTING SOLELY AS NOMINEE FOR ALL WESTERN MORTGAGE, INC

Current Holder of Evidence of Debt

AMERIHOME MORTGAGE COMPANY, LLC Date of Deed of Trust August 01, 2017

County of Recording Adams Recording Date of Deed of Trust August 02, 2017 Recording Information (Reception No. and/or Book/Page No.) 2017000067047

Original Principal Amount $342,000.00

Outstanding Principal Balance $341,425.12

Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.

LOT 13, BLOCK 3, THE VILLAGES AT BUFFALO RUN EAST FILING NO. 2, COUNTY OF ADAMS, STATE OF COLORADO

Also known by street and number as: 11595 HELENA STREET, COMMERCE CITY, CO 80022.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.

NOTICE OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 03/08/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of

Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication1/12/2023

Last Publication2/9/2023

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; DATE: 11/03/2022

Lisa L. Culpepper, Public Trustee in and for the County of Adams, State of Colorado

By: Treasurer and Public Trustee

The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Anna Johnston #51978 Barrett, Frappier & Weisserman, LLP 1391 Speer Boulevard, Suite 700, Denver, CO 80204 (303) 350-3711

Attorney File # 00000009644055

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. A202279535

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust:

On October 27, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Adams records.

Original Grantor(s) Tien Thi Thuy Nguyen

Original Beneficiary(ies)

MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR GUILD MORTGAGE COMPANY, ITS SUCCESSORS AND ASSIGNS

Current Holder of Evidence of Debt COLORADO HOUSING AND FINANCE AUTHORITY

Date of Deed of Trust August 18, 2017

County of Recording Adams

Recording Date of Deed of Trust August 21, 2017

Recording Information (Reception No. and/or Book/Page No.) 2017000072881

Original Principal Amount $285,559.00

Outstanding Principal Balance $255,749.30

Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.

LOT 16, BLOCK 36, RIVER VALLEY VILLAGE SUBDIVISION AMENDMENT NO. 1, COUNTY OF ADAMS, STATE OF COLORADO.

Also known by street and number as: 9701 Dahlia Lane, Thornton, CO 80229.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 03/01/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication1/5/2023

Last Publication2/2/2023

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED;

DATE: 10/27/2022

Lisa L. Culpepper, Public Trustee in and for the County of Adams, State of Colorado

By: Treasurer and Public Trustee

The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is:

Alison L. Berry #34531

Janeway Law Firm PC 9800 S. Meridian Blvd., #400, Englewood, CO 80112 (303) 706-9990

Attorney File # 20-024111

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. A202279554

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust:

On November 10, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Adams records.

Original Grantor(s)

Heidi Farris

Original Beneficiary(ies)

MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR BAY EQUITY LLC, ITS SUCCESSORS AND ASSIGNS

Current Holder of Evidence of Debt FREEDOM MORTGAGE CORPORATION Date of Deed of Trust August 08, 2019

County of Recording Adams

Recording Date of Deed of Trust August 14, 2019

Recording Information (Reception No. and/or Book/Page No.) 2019000065701

Original Principal Amount $210,315.00 Outstanding Principal Balance $203,321.83

Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.

LEGAL DESCRIPTION

CONDOMINIUM UNIT 28C, BUILDING 28, THE LAKES AT DUNES PARK, ACCORDING TO THE CONDOMINIUM MAP RECORDED ON FEBRUARY 14, 2019 AT RECEPTION NO. 2019000011034 IN THE RECORDS OF THE OFFICE OF THE CLERK AND RECORDER OF ADAMS COUNTY, STATE OF COLORADO, AND AS DEFINED AND DESCRIBED IN THE CONDOMINIUMS DECLARATION FOR THE LAKE OF THE DUNES PARK, RECORDED ON OCTOBER 17, 2001 AT RECEPTION NO. C0874352, IN SAID RECORDS, COUNTY OF ADAMS, STATE OF COLORADO.

Also known by street and number as: 11250 Florence St Unit 28C, Commerce City, CO 80640.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.

NOTICE OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 03/15/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication1/19/2023

Last Publication2/16/2023

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED;

DATE: 11/10/2022

Lisa L. Culpepper, Public Trustee in and for the County of Adams, State of Colorado By: Treasurer and Public Trustee

The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: N. April Winecki #34861

Janeway Law Firm PC 9800 S. Meridian Blvd., #400, Englewood, CO 80112 (303) 706-9990

Attorney File # 22-028694

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. A202279530

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust:

On October 27, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Adams records.

Original Grantor(s)

Ramona Renteria

Original Beneficiary(ies)

Mortgage Electronic Registration Systems, Inc. (“MERS”) as nominee for Academy Mortgage Corporation, Its Successors and Assigns

Current Holder of Evidence of Debt

Wells Fargo Bank, NA Date of Deed of Trust January 04, 2013

County of Recording Adams

Recording Date of Deed of Trust January 07, 2013

Recording Information (Reception No. and/or Book/Page No.) 2013000001563

Original Principal Amount $136,482.00

Outstanding Principal Balance $103,753.51

Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.

LOT 3, BLOCK 13, NORWOOD PARK, COUNTY

OF ADAMS, STATE OF COLORADO.

Also known by street and number as: 7796 Kimberly Street, Commerce City, CO 80022.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 03/01/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication1/5/2023

Last Publication2/2/2023

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED;

DATE: 10/27/2022

Lisa L. Culpepper, Public Trustee in and for the County of Adams, State of Colorado By: Treasurer and Public Trustee

The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Ilene Dell’Acqua #31755 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230, Centennial, CO 80112 (877) 369-6122 Attorney File # CO-22-946381-LL

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. A202279516

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust:

On October 20, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Adams records.

Original Grantor(s) Brandon Butler

Original Beneficiary(ies) Mortgage Electronic Registration Systems, Inc. (“MERS”) as nominee for Loan Simple, Inc., Its Successors and Assigns

Current Holder of Evidence of Debt NewRez LLC, F/K/A New Penn Financial, LLC, D/B/A Shellpoint Mortgage Servicing Date of Deed of Trust August 08, 2013 County of Recording Adams

Recording Date of Deed of Trust August 13, 2013 Recording Information (Reception No. and/or Book/Page No.) 2013000070664

Original Principal Amount $153,750.00 Outstanding Principal Balance $133,696.41

Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.

LOT 3, BLOCK 2, APPLE BLOSSOM LANE SUBDIVISION, COUNTY OF ADAMS, STATE OF COLORADO

Also known by street and number as: 7801 King Street, Westminster, CO 80030.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.

NOTICE OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 02/15/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication12/22/2022

Last Publication1/19/2023

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED;

DATE: 10/20/2022

Lisa L. Culpepper, Public Trustee in and for the County of Adams, State of Colorado

By: Treasurer and Public Trustee

The name, address, business telephone number

and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Ilene Dell’Acqua #31755

McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230, Centennial, CO 80112 (877) 369-6122

Attorney File # CO-22-945398-LL

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. A202279518

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust:

On October 20, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Adams records.

Original Grantor(s) Matthew T. Barnhouse AND Heather T. Barnhouse AND Mark S. Barnhouse

Original Beneficiary(ies)

MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR FLAGSTAR BANK, FSB, ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt FLAGSTAR BANK, FSB Date of Deed of Trust May 01, 2019 County of Recording

Adams Recording Date of Deed of Trust May 07, 2019

Recording Information (Reception No. and/or Book/Page No.) 2019000034311

Original Principal Amount $365,262.00 Outstanding Principal Balance $347,945.71

Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.

LOT 75, NORTHPARK SUBDIVISION FILING NO. 13, COUNTY OF ADAMS, STATE OF COLORADO.

A.P.N.: 0171917212076

Also known by street and number as: 10052 Grove Ct Unit C, Westminster, CO 80031-8410.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST. NOTICE

OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 02/15/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication12/22/2022

Last Publication1/19/2023

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED;

DATE: 10/20/2022

Lisa L. Culpepper, Public Trustee in and for the County of Adams, State of Colorado

By: Treasurer and Public Trustee

The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: N. April Winecki #34861

Janeway Law Firm PC 9800 S. Meridian Blvd., #400, Englewood, CO 80112 (303) 706-9990

Attorney File # 22-028555

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. A202279526

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 20, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Adams records.

Original Grantor(s)

Joseph Morales and Maxine Morales

Original Beneficiary(ies)

Mortgage Electronic Registration Systems, Inc., as Beneficiary, as nominee for Freedom Mortgage Corporation, its successors and assigns Current Holder of Evidence of Debt

Freedom Mortgage Corporation Date of Deed of Trust

April 16, 2013 County of Recording Adams

Recording Date of Deed of Trust May 10, 2013

Recording Information (Reception No. and/or Book/Page No.) 2013000039964

Public Notices

$118,508.00

Outstanding Principal Balance $91,935.80

Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.

Lots 9 and 10, Block 1, Lyons Addition to Brighton, County of Adams, State of Colorado. Also known by street and number as: 148 N 8th Ave, Brighton, CO 80601.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.

NOTICE OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 02/15/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication 12/22/2022

Last Publication 1/19/2023

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED;

DATE: 10/20/2022

Lisa L. Culpepper, Public Trustee in and for the County of Adams, State of Colorado

By: Treasurer and Public Trustee

The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is:

Amanda Ferguson #44893 Halliday, Watkins & Mann, P.C. 355 Union Blvd., Suite 250, Lakewood, CO 80228 (303) 274-0155

Attorney File # CO21001

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

COMBINED NOTICE - PUBLICATION

CRS §38-38-103 FORECLOSURE SALE NO. A202279545

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust:

On November 3, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Adams records.

Original Grantor(s) Kathryn Cooke

Original Beneficiary(ies)

Mortgage Electronic Registration Systems, Inc. (“MERS”) as nominee for United Wholesale Mortgage, Its Successors and Assigns Current Holder of Evidence of Debt United Shore Financial Services, LLC d/b/a United Wholesale Mortgage, a Michigan Limited Liability Company Date of Deed of Trust October 12, 2020

County of Recording

Adams Recording Date of Deed of Trust October 15, 2020

Recording Information (Reception No. and/or Book/Page No.) 2020000104849

Original Principal Amount $155,000.00

Outstanding Principal Balance $154,199.89

Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.

LOT 3, BLOCK 55, OF BLOCKS 39, 54 AND 55 OF THORNTON, COUNTY OF ADAMS, STATE OF COLORADO.

Also known by street and number as: 9171 Race St, Thornton, CO 80229.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.

NOTICE OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 03/08/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication1/12/2023

Last Publication2/9/2023

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; DATE: 11/03/2022

Lisa L. Culpepper, Public Trustee in and for the County of Adams, State of Colorado By: Treasurer and Public Trustee

The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is:

Ilene Dell’Acqua #31755

McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230, Centennial, CO 80112 (877) 369-6122

Attorney File # CO-22-946509-LL

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

NOTICE - PUBLICATION

COMBINED

CRS §38-38-103 FORECLOSURE SALE NO. A202279527

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust:

On October 20, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Adams records.

Original Grantor(s) Diane Stillman

Original Beneficiary(ies)

Mortgage Electronic Registration Systems, Inc., as Beneficiary, as nominee for JFQ Lending, Inc., its successors and assigns

Current Holder of Evidence of Debt

Freedom Mortgage Corporation Date of Deed of Trust August 27, 2020 County of Recording Adams

Recording Date of Deed of Trust September 01, 2020

Recording Information (Reception No. and/or Book/Page No.) 2020000086425

Original Principal Amount $199,654.00

Outstanding Principal Balance $197,387.02

Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.

CONDOMINIUM UNIT B, BUILDING 1113, APPLE VALLEY NORTH CONDOMINIUMS, AS DEFINED AND DESCRIBED IN THE CONDOMINIUM DECLARATION RECORDED JUNE 6, 1974 IN BOOK 1934 AT PAGE 728 AND FIRST SUPPLEMENT THERETO RECORDED SEPTEMBER 11, 1975 IN BOOK 2017 AT PAGE 139 AND AS SHOWN ON THE CONDOMINIUM MAP RECORDED JUNE 6,1974 UNDER RECEPTION NO. 43917, COUNTY OF ADAMS, STATE OF COLORADO.

Also known by street and number as: 1113 W. 112th Avenue Apt. B, Westminster, CO 80234.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.

OF SALE

NOTICE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 02/15/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication12/22/2022

Last Publication1/19/2023

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED;

DATE: 10/20/2022

Lisa L. Culpepper, Public Trustee in and for the County of Adams, State of Colorado

By: Treasurer and Public Trustee

The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Amanda Ferguson #44893 Halliday, Watkins & Mann, P.C. 355 Union Blvd., Suite 250, Lakewood, CO 80228 (303) 274-0155 Attorney File # CO11671

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. A202279533

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust:

On October 27, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be

recorded in the County of Adams records.

Original Grantor(s) JERRY LUFT Original Beneficiary(ies)

MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR FREEDOM MORTGAGE CORPORATION, ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt FREEDOM MORTGAGE CORPORATION

Date of Deed of Trust October 22, 2016

County of Recording Adams

Recording Date of Deed of Trust November 01, 2016

Recording Information (Reception No. and/or Book/Page No.) 2016000093774

Original Principal Amount $124,105.00

Outstanding Principal Balance $107,266.92

Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.

LOT 44, BLOCK 5, AMENDED PLAT OF ADAMS HEIGHTS, COUNTY OF ADAMS, STATE OF COLORADO.

TAX ID: 0182306305044

Also known by street and number as: 6691 ASH ST, Commerce City, CO 80022.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.

NOTICE OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 03/01/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication1/5/2023

Last Publication2/2/2023

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; DATE: 10/27/2022

Lisa L. Culpepper, Public Trustee in and for the County of Adams, State of Colorado By: Treasurer and Public Trustee

The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Alison L. Berry #34531

Janeway Law Firm PC 9800 S. Meridian Blvd., #400, Englewood, CO 80112 (303) 706-9990 Attorney File # 22-028661

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

COMBINED NOTICE - PUBLICATION

CRS §38-38-103 FORECLOSURE SALE NO. A202279548

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On November 3, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Adams records.

Original Grantor(s)

Danean J. DiPaolo

Original Beneficiary(ies)

Community First National Bank Current Holder of Evidence of Debt Bank of America, N.A. Date of Deed of Trust

May 10, 2000

County of Recording Adams

Recording Date of Deed of Trust May 19, 2000

Recording Information (Reception No. and/or Book/Page No.)

C0672468 Book: 6134 Page: 0298-0305

Original Principal Amount $132,925.00

Outstanding Principal Balance $65,979.06

Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.

LOT 8, BLOCK 9, CORONADO SUBDIVISION, COUNTY OF ADAMS, STATE OF COLORADO. Also known by street and number as: 8300 Emerson Street, Denver, CO 80229.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 03/08/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication1/12/2023

Last Publication2/9/2023

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED;

DATE: 11/03/2022

Lisa L. Culpepper, Public Trustee in and for the County of Adams, State of Colorado By: Treasurer and Public Trustee

The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Ilene Dell’Acqua #31755 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230, Centennial, CO 80112 (877) 369-6122

Attorney File # CO-22-940946-LL

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. A202279514

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust:

On October 20, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Adams records.

Original Grantor(s) JASON TRUJILLO

Original Beneficiary(ies)

MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR LOANDEPOT.COM, LLC, ITS SUCCESSORS AND ASSIGNS

Current Holder of Evidence of Debt MIDFIRST BANK Date of Deed of Trust June 05, 2017 County of Recording Adams Recording Date of Deed of Trust June 07, 2017

Recording Information (Reception No. and/or Book/Page No.) 2017000049185

Original Principal Amount $431,521.00 Outstanding Principal Balance $409,963.26

Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.

LOT 15A, BLOCK 2, NORTH CREEK FARMS SUBDIVISION FILING NO. 2, AMENDMENT NO. 1, COUNTY OF ADAMS, STATE OF COLORADO.

A.P.N.: 0157302112015

Also known by street and number as: 16625 RACE STREET, THORNTON, CO 80602.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.

NOTICE OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 02/15/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication12/22/2022

Last Publication1/19/2023

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; DATE: 10/20/2022

Lisa L. Culpepper, Public Trustee in and for the County of Adams, State of Colorado

By: Treasurer and Public Trustee

The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Alison L. Berry #34531 Janeway Law Firm PC 9800 S. Meridian Blvd., #400, Englewood, CO 80112 (303) 706-9990

Attorney File # 22-027921

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. A202279547

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On November 3, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Adams records.

Original Grantor(s) Shamim Akwobei

Original Beneficiary(ies) MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR UNIVERSAL LENDING CORPORATION, ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt COLORADO HOUSING AND FINANCE AUTHORITY Date of Deed of Trust August 10, 2020 County of Recording Adams

Recording Date of Deed of Trust August 18, 2020 Recording Information (Reception No. and/or Book/Page No.) 2020000079683

Original Principal Amount $347,272.00 Outstanding Principal Balance $335,556.76

Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.

LOT 12, BLOCK 6, BUFFALO RUN SUBDIVISION FILING NO. 1, COUNTY OF ADAMS, STATE OF COLORADO. APN #: 0172306114018

Also known by street and number as: 14848 E 116Th Pl, Commerce City, CO 80603.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.

NOTICE OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 03/08/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication1/12/2023

Last Publication2/9/2023

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED; DATE: 11/03/2022

Lisa L. Culpepper, Public Trustee in and for the County of Adams, State of Colorado

By: Treasurer and Public Trustee

The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: N. April Winecki #34861

Janeway Law Firm PC 9800 S. Meridian Blvd., #400, Englewood, CO 80112 (303) 706-9990

Attorney File # 22-028692

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

NOTICE - PUBLICATION

COMBINED

CRS §38-38-103 FORECLOSURE SALE NO. A202279553

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust:

On November 3, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Adams records.

Original Grantor(s)

Louis Antonio Alvarado and Melody Christina Alvarado who acquired title as Christina Alvarado Original Beneficiary(ies)

Mortgage Electronic Registration Systems, Inc., as Beneficiary, as nominee for Freedom Mortgage Corporation, its successors and assigns Current Holder of Evidence of Debt

Freedom Mortgage Corporation Date of Deed of Trust April 28, 2021

County of Recording Adams

Recording Date of Deed of Trust May 12, 2021

Recording Information (Reception No. and/or Book/Page No.)

2021000058066

Original Principal Amount $206,330.00

Outstanding Principal Balance $200,689.67

Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal

and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.

Condominium Unit 4, Building B, Together with the exclusive right to use Garage Unit 4, Garage GB 1, the Ridge at Bromley Lane Condominiums, in accordance with the Plat and Map of the Ridge at Bromley Lane Condominiums, recorded on July 25, 2002, at Reception No. C1001363, and subject to the Condominium Declaration for the Ridge at Bromley Lane Condominiums recorded on January 4, 2002 at Reception No. C0909468 of the Adams County, Colorado Records, County of Adams, State of Colorado.

Also known by street and number as: 2900 Purcell St B-4, Brighton, CO 80601.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.

NOTICE OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 03/08/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication 1/12/2023

Last Publication 2/9/2023

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED;

DATE: 11/03/2022

Lisa L. Culpepper, Public Trustee in and for the County of Adams, State of Colorado

By: Treasurer and Public Trustee

The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Amanda Ferguson #44893 Halliday, Watkins & Mann, P.C. 355 Union Blvd., Suite 250, Lakewood, CO 80228 (303) 274-0155 Attorney File # CO21029

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

COMBINED NOTICE - PUBLICATION

CRS §38-38-103 FORECLOSURE SALE NO. A202279537

To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On October 27, 2022, the undersigned Public Trustee caused the Notice of Election and Demand relating to the Deed of Trust described below to be recorded in the County of Adams records.

Original Grantor(s) Jevard Hitch Original Beneficiary(ies)

MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR DECISION ONE MORTGAGE COMPANY, LLC, ITS SUCCESSORS AND ASSIGNS

Current Holder of Evidence of Debt

WELLS FARGO BANK, NATIONAL ASSOCIATION , As Trustee Securitized Asset Backed Receivables LLC Trust 2006-HE1 Mortgage PassThrough Certificates,Series 2006-HE1 Date of Deed of Trust April 26, 2006

County of Recording Adams Recording Date of Deed of Trust May 01, 2006 Recording Information (Reception No. and/or Book/Page No.) 20060501000439810

Original Principal Amount $387,000.00

Outstanding Principal Balance $232,603.20

Pursuant to CRS §38-38-101(4)(i), you are hereby notified that the covenants of the deed of trust have been violated as follows: Failure to pay principal and interest when due together with all other payments provided for in the evidence of debt secured by the deed of trust and other violations thereof.

THE LIEN FORECLOSED MAY NOT BE A FIRST LIEN.

THAT PART OF THE SOUTH 1/2 OF THE NORTHWEST 1/4 OF SECTION 3, TOWNSHIP 2 SOUTH, RANGE 66 WEST OF THE 6TH PRINCIPAL MERIDIAN, DESCRIBED AS FOLLOWS: BEGINNING AT THE SOUTHWEST CORNER OF SAID SOUTH 1/2 OF THE NORTHWEST 1/4 OF SECTION 3; THENCE NORTH 89 DEGREES 41 MINUTES 00 SECONDS EAST ON AN ASSUMED BEARING ALONG THE SOUTH LINE OF SAID SOUTH 1/2 OF THE NORTHWEST 1/4 A DISTANCE OF 1986.20 FEET TO A POINT 660.00 FEET WEST OF THE SOUTHEAST CORNER OF SAID SOUTH 1/2 OF THE NORTHWEST 1/4 SAID POINT BEING THE TRUE POINT OF BEGINNING; THENCE NORTH 00 DEGREES 02 MINUTES 09 SECONDS EAST PARALLEL WITH THE EAST LINE OF SAID SOUTH 1/2 NORTHWEST 1/4 A DISTANCE OF 1316.92 FEET TO A POINT ON THE NORTH LINE OF SAID SOUTH 1/2 OF THE NORTHWEST 1/4; THENCE NORTH 89 DEGREES 42 MINUTES 13 SECONDS EAST ALONG SAID NORTH LINE A DISTANCE OF 330.00 FEET; THENCE SOUTH 00 DEGREES 02 MINUTES 09 WEST PARALLEL WITH THE EAST LINE OF SAID SOUTH 1/2 OF

THE NORTHWEST 1/4 A DISTANCE OF 1316.80 FEET TO A POINT ON THE SOUTH LINE OF SAID SOUTH 1/2 OF THE NORTHWEST 1/4; THENCE SOUTH 89 DEGREES 41 MINUTES 00 SECONDS WEST ALONG SAID SOUTH LINE OF SOUTH 1/2 OF THE NORTHWEST 1/4 A DISTANCE OF 330.00 FEET TO TRUE POINT OF BEGINNING, EXCEPT THE NORTH 25 FEET THEREOF, COUNTY OF ADAMS, STATE OF COLORADO.

Also known by street and number as: 19150 East 118Th Avenue, Commerce City, CO 80022.

THE PROPERTY DESCRIBED HEREIN IS ALL OF THE PROPERTY CURRENTLY ENCUMBERED BY THE LIEN OF THE DEED OF TRUST.

NOTICE OF SALE

The current holder of the Evidence of Debt secured by the Deed of Trust, described herein, has filed Notice of Election and Demand for sale as provided by law and in said Deed of Trust.

THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 AM on Wednesday, 03/01/2023, at 4430 S. Adams County Pkwy, Suite W1000, Brighton CO 80601-8219, sell to the highest and best bidder for cash, the said real property and all interest of the said Grantor(s), Grantor(s)’ heirs and assigns therein, for the purpose of paying the indebtedness provided in said Evidence of Debt secured by the Deed of Trust, plus attorneys’ fees, the expenses of sale and other items allowed by law, and will issue to the purchaser a Certificate of Purchase, all as provided by law.

First Publication1/5/2023

Last Publication2/2/2023

Name of Publication Northglenn-Thornton Sentinel

IF THE SALE DATE IS CONTINUED TO A LATER DATE, THE DEADLINE TO FILE A NOTICE OF INTENT TO CURE BY THOSE PARTIES ENTITLED TO CURE MAY ALSO BE EXTENDED;

DATE: 10/27/2022

Lisa L. Culpepper, Public Trustee in and for the County of Adams, State of Colorado By: Treasurer and Public Trustee

The name, address, business telephone number and bar registration number of the attorney(s) representing the legal holder of the indebtedness is: Alison L. Berry #34531 Janeway Law Firm PC 9800 S. Meridian Blvd., #400, Englewood, CO 80112 (303) 706-9990 Attorney File # 22-027409

The Attorney above is acting as a debt collector and is attempting to collect a debt. Any information provided may be used for that purpose.

City and County

Public Notice

BY AUTHORITY ORDINANCE NO. 4172 COUNCILLOR’S BILL NO. 63

SERIES OF 2022 INTRODUCED BY COUNCILLORS DeMott, Emmons

A BILL FOR AN ORDINANCE AMENDING THE 2022 BUDGETS OF THE GENERAL; GENERAL FUND STABILIZATION RESERVE; GOLF COURSE ENTERPRISE (LEGACY RIDGE GOLF COURSE); PARKS, OPEN SPACE AND TRAILS; GENERAL CAPITAL IMPROVEMENT; AND COMMUNITY DEVELOPMENT BLOCK GRANT FUNDS AND AUTHORIZING A SUPPLEMENTAL APPROPRIATION FROM THE 2022 ESTIMATED REVENUES IN THE FUNDS

THE CITY OF WESTMINSTER ORDAINS:

Section 1. The 2022 appropriation for the General; General Fund Stabilization Reserve; Golf Course Enterprise (Legacy Ridge Golf Course); Parks, Open Space and Trails; General Capital Improvement and Community Development Block Grant Funds initially appropriated by Ordinance No. 4098 is hereby increased in aggregate by $19,138,869. This appropriation is due to changes in funding from carryover, contributions, grants, note proceeds, reimbursements and transfer revenue.

Section 2. The $19,138,869 increase shall be allocated to City Revenue and Expense accounts as described in the City Council Agenda dated December 19, 2022, (a copy of which may be obtained from the City Clerk) amending City fund budgets as follows:

General Fund $10,796,732

General Fund Stabilization Reserve Fund 1,800,000

Golf Course Enterprise Fund (Legacy Ridge Golf Course) 1,250 Parks, Open Space and Trails Fund 13,817,295

General Capital Improvement Fund 7,242,900

Community Development Block Grant Fund 24,692

Total Appropriations $33,682,869

Less General Capital Improvement ARPA Un-appropriation14,544,000

Grand Total $ 19,138,869

Section 3 – Severability. The provisions of this Ordinance shall be considered as severable. If any section, paragraph, clause, word, or any other part of this Ordinance shall for any reason be held to be invalid or unenforceable by a court of competent jurisdiction, such part shall be deemed as severed from this ordinance. The

invalidity or unenforceability of such section, paragraph, clause, or provision shall not affect the construction or enforceability of any of the remaining provisions, unless it is determined by a court of competent jurisdiction that a contrary result is necessary in order for this Ordinance to have any meaning whatsoever.

Section 4. This ordinance shall take effect upon its passage after the second reading.

Section 5. This ordinance shall be published in full within ten days after its enactment.

INTRODUCED, PASSED ON FIRST READING, AND TITLE AND PURPOSE ORDERED PUBLISHED this 19th day of December, 2022.

PASSED, ENACTED ON SECOND READING, AND FULL TEXT ORDERED PUBLISHED this 9th day of January, 2023.

ATTEST: Mayor City Clerk

Legal Notice No. NTS2019 First Publication: January 19, 2023 Last Publication: January 19, 2023 Publisher: Westminster Window Public Notice

Adams 12 Five Star Schools Department of Special Education

Adams 12 Five Star Schools, Department of Student Support Services, is in the process of destroying all special education records of former students whose birthday falls January 1, 1999 through and including December 31, 1999. These records are not academic records. The records that we have may contain any or all of the following: IEPs, psychological reports, achievement test scores, social work summaries and health summaries.

You are entitled to the available records we have on file. If you wish a copy, please make your request in writing. Upon receipt of your request, we will search our files and have your requested file ready for you within 48 hours. You need to request the information within 30 days of the date of this publication. Records will be destroyed after that time. Please present your request to the Student Support Services Department, 1500 E. 128th Ave., Thornton, CO 80241-2601. Monday-Friday, 7:30 a.m. - 4:30 p.m. Please include date of birth and current phone number with your request. You will be required to show proper identification before obtaining your file.

Heather Greicius Executive Director Student Support Services

Legal Notice No. NTS2000

First Publication: January 12, 2023 Last Publication: February 9, 2023 Publisher: The Northglenn-Thornton Sentinel & Westminster Window

Public Notice

NOTICE OF CITY COUNCIL PUBLIC HEARING PLMDT202201884

PUBLIC NOTICE IS HEREBY GIVEN that there has been filed with the City Clerk, City of Thornton, Adams County, Colorado, a Service Plan and related documents for the Quebec Highlands Metropolitan District (the “District”). A map of the District along with the proposed Service Plan are now on file at the City of Thornton City Hall, 9500 Civic Center Drive, Thornton, Colorado, 802294326, and are available for public inspection.

NOTICE IS HEREBY FURTHER GIVEN that the City Council of the City of Thornton, Adams County, Colorado, (“City Council”) will hold a public hearing at 7:00 pm, or as soon as possible thereafter, on Tuesday, February 14, 2023, to consider approval of the Service Plan, in the Council Chambers at the Thornton City Hall, 9500 Civic Center Drive, Thornton, Colorado. Thornton is also offering remote access to the public hearing. To attend online, register in advance at https://thorntonco.zoom.us/webinar/register/ WN_ZQIDrbJqRKSM7MaSYqX5Aw or call 669-900-6833 and enter meeting ID 849 4868 2783. After registering, you will receive a confirmation email containing information about joining the meeting and the process for providing testimony.

The proposed District consists of approximately 25 acres of commercial land and is located entirely within the City of Thornton, generally east of Quebec Street and north of East 136th Avenue. The proposed District is being organized as a metropolitan district to finance the construction of certain public improvements for the project known as Quebec Highlands. The proposed District shall have the authority to impose a mill levy for repayment of debt and for limited administrative, operation and maintenance purposes. For debt service, the maximum mill levy that may be imposed by the proposed District upon taxable property within the proposed District’s boundaries shall not exceed fifty (50) mills; however, since this is a Commercial District, this maximum shall not apply when the total amount of debt is equal to or less than fifty percent (50%) of the District’s assessed valuation. As a Commercial District, there is no maximum mill levy limit that may be imposed by the District upon taxable property within the District for operations and maintenance.

If the method of calculating assessed valuation is changed by law, the maximum mill levy may be increased or decreased to reflect such changes.

Any person owning property within the geographical area of the proposed District who requests his or her property to be excluded from the District shall submit a written request for exclusion to City Council no later than 10 days prior to the hearing described herein in order to be considered.

NOTICE IS FURTHER GIVEN that any protests or objections to the proposed District must be submitted in writing to City Council at or prior to the hearing, or any continuance or postponement thereof, in order to be considered. All protests and objections to the creation of the District, as proposed, shall be deemed waived unless presented in writing at the time and manner specified above.

Qualified individuals with a disability may contact Thornton’s ADA Coordinator to request and

arrange for accommodations. Requests for accommodation should be made as far in advance as possible, but preferably no less than five business days prior to the to the date needed. Please contact Thornton’s ADA Coordinator via telephone 303-538-7334 or email adacoordinator@ThorntonCO.gov.

CITY COUNCIL OF THE CITY OF THORNTON, COLORADO Jan Kulmann, Mayor

ATTEST: Kristen N. Rosenbaum, City Clerk

APPROVED AS TO FORM: Tami Yellico, City Attorney

Legal Notice No. NTS2015 First Publication: January 19, 2023 Last Publication: January 19, 2023 Publisher: The Northglenn-Thornton Sentinel Public Notice

BY AUTHORITY

ORDINANCE NO. 4173 COUNCILLOR’S BILL NO. 64

SERIES OF 2022 INTRODUCED BY COUNCILLORS Emmons, DeMott

A BILL FOR AN ORDINANCE APPROVING FIRST AMENDMENT TO LEASE FOR CONCESSION OPERATION AT THE ICE CENTRE

WHEREAS, the City and Hyland Hills Park and Recreation District (the “District”) co-own the Ice Centre at 10710 Westminster Boulevard; and

WHEREAS, it is in the City’s and the District’s interest to maximize the income generated from such operation by collecting rental income from the concession operation space located in the Ice Centre.

NOW, THEREFORE, THE CITY OF WESTMINSTER ORDAINS:

Section 1. Pursuant to City Charter Section 13.4, the First Amendment to Lease, attached hereto as Exhibit A, is hereby approved and ratified.

Section 2. This ordinance shall take effect upon its passage after second reading.

Section 3. The title and purpose of this ordinance shall be published prior to its consideration on second reading. The First Amendment to Lease attached hereto as Exhibit A shall be executed by the lessee prior to consideration of this ordinance on second reading. The full text of this ordinance shall be published within ten (10) days after its enactment after second reading.

INTRODUCED, PASSED ON FIRST READING, AND TITLE AND PURPOSE ORDERED PUBLISHED this 19th day of December 2022.

PASSED, ENACTED ON SECOND READING, AND FULL TEXT ORDERED PUBLISHED this 9th day of January, 2023.

Mayor ATTEST: City Clerk

APPROVED AS TO LEGAL FORM: City Attorney’s Office

Legal Notice No. NTS2018

First Publication: January 19, 2023 Last Publication: January 19, 2023

Publisher: Westminster Window Public Notice

City of Westminster Summary of Proceedings

Summary of proceedings of the Westminster City Council meeting of Monday, January 9, 2023.

Mayor McNally, Mayor Pro Tem DeMott, and Councillors Baker, Emmons, Ezeadi, Nurmela, and Seymour were present at roll call. The minutes of the December 19, 2022, meeting were approved as presented.

Council approved the following: Second Reading of Councillor’s Bill No. 62 Re: Acceptance of a Portion of Sheridan Boulevard from the Colorado Department of Transportation; Second Reading Councillor’s Bill No. 63 2022 Supplemental Appropriation; Second Reading of Councillor’s Bill No.64 Approving First Amendment to Lease for Concession Operation at the Ice Centre; and Designation of Official Place to Post Public Notices.

Council adopted the following: Resolution No. 1 Re: Harris Park Subdivision, Block 19 Planned Unit Development – Waiver of Requirement to Underground Overhead Utility Lines City Council

A BILL FOR AN ORDINANCE ACCEPTING A PORTION OF SHERIDAN BOULEVARD FROM THE COLORADO DEPARTMENT

RIGHT-OF-WAY

Whereas, the Colorado Department of Transportation (“CDOT”) wishes to abandon a portion of Sheridan Boulevard, described in Exhibit A attached hereto (the “Subject Parcel”), to the City of Westminster (the “City”); and

Whereas, on March 28, 2022, the Westminster City Council adopted Resolution No. 13, Series of 2022, authorizing City staff to prepare an Intergovernmental Agreement between the City and CDOT specifying the conditions of abandonment by the State and acceptance by the City of the Subject Parcel; and

Whereas, City staff and CDOT have reached tentative agreement on the terms of the IGA; and Whereas, the City intends to own and maintain the Subject Parcel as public right-of-way in accordance with the IGA.

THE CITY OF WESTMINSTER ORDAINS:

Section 1. The City of Westminster hereby accepts the Subject Parcel from CDOT as public right-ofway.

Section 2. The City Manager is hereby authorized to execute and record any documents required to effectuate the transfer of the Subject Parcel to the City.

Section 3. The ownership of and maintenance responsibilities for the Subject Parcel shall be in accordance with Resolution #40.

Section 4. This ordinance shall take effect upon its passage after second reading.

Section 5. The title and purpose of this ordinance shall be published prior to its consideration on second reading. The full text of this ordinance shall be published within ten (10) days after its enactment after second reading.

INTRODUCED, PASSED ON FIRST READING, AND TITLE AND PURPOSE ORDERED PUBLISHED this 12th day of December, 2022.

PASSED, ENACTED ON SECOND READING, AND FULL TEXT ORDERED PUBLISHED this 9th day of January, 2023.

ATTEST: City Clerk Mayor

APPROVED AS TO LEGAL FORM: City Attorney’s Office

Legal Notice No. NTS2017

First Publication: January 19, 2023

Last Publication: January 19, 2023

Publisher: Westminster Window

Bids and Settlements

Notice is hereby given that the Berkley Shores Metropolitan District (“District”) seeks bids from qualified trash and recycling service providers to provide Services in the County of Adams, Colorado (“Project”) as outlined in the bid packet, dated January 18, 2023 which can be obtained by contacting Special District Management Services, Inc. as follows:

Special District Management Services, Inc. Ms. Peggy Ripko Phone: (303) 987-0835 Email: pripko@sdmsi.com

Sealed Bids are due by February 8, 2023, not later than 5:00 P.M. MT to the District c/o Special District Management Services, Inc., 141 Union Boulevard, Suite 150, Lakewood, Colorado 80228. Bids not received by 5:00 P.M. MT will not be considered. Bids will not be publicly opened and read.

BY ORDER OF THE BOARD OF DIRECTORS: BERKLEY SHORES METROPOLITAN DISTRICT

Legal Notice No. NTS2020

First Publication: January 19, 2023

Last Publication: January 19, 2023

Publisher: The Northglenn-Thornton Sentinel

Summons and Sheriff Sale

Public Notice

DISTRICT COURT, ADAMS, STATE OF COLORADO

Court Address: Adams County District Court 1100 Judicial Ctr Dr. Brighton, CO 80601

Plaintiff: THE RANCH RESERVE HOMEOWNERS ASSOCIATION OF WESTMINSTER, a Colorado nonprofit corporation v. Defendants: XGGCC LLC; NATIONSTAR MORTGAGE LLC; APARTMENTS RESURFACING LLC; SUNBELT PORTFOLIOS, LLC; ADAMS COUNTY PUBLIC TRUSTEE Case No.: 2022CV031648 Division: W Ctrm:

Attorneys for Plaintiff: Orten Cavanagh Holmes & Hunt, LLC Hal R. Kyles, #23891

Seymour, Emmons

OF TRANSPORTATION AS CITY OF WESTMINSTER

Enrollment for Universal Preschool opened Jan. 17

BY THERESA HO ROCKY MOUNTAIN PBS

e Polis Administration has announced that enrollment for the Universal Preschool (UPK) Colorado program will open on Jan. 17 for families to register their kids for preschool this fall.

“We are bringing high-quality preschool to Colorado kids, saving families thousands of dollars, and making sure Colorado students get a strong start in school,” Gov. Jared Polis said. e program will provide 15 hours of

free, voluntary preschool per week for Colorado 4-year-olds starting in 2023. ree-year-old children with qualifying factors are eligible for 10 hours of preschool programming.

Starting Jan. 17, families of children in the year before they are eligible for kindergarten, and qualifying 3-year-olds, can visit the Colorado Department of Early Childhood’s UPK Colorado site and login to begin the enrollment process, which will be open on a rolling basis. Children will begin being matched to providers in mid-February.

Public Notices

Canal headgates on Clear Creek are all existing, not new structures. There is no need to modify said structures in order to accomplish the conditional exchanges. On information and belief, new or modified diversion structures from Ralston Creek may be located on lands owned by: Farmers’ High Line Canal and Reservoir Company, 8399 W. 89th Ave., Westminster, Colorado 80021; Farmers Reservoir and Irrigation Company, 80 South 27th Avenue, Brighton, Colorado 80601; City of Arvada, 8101 Ralston Road, Arvada, Colorado 80002. Additional notice by certified or register mail, as set forth in § 37-92-302(2)(b), C.R.S., will be provided to these entities. The remaining structures involved with the conditional exchanges are all existing, not new, diversion or storage structures.

WHEREFORE, Westminster requests the Court to enter its decree and ruling as follows: A. To issue a finding that the entire 0.22 c.f.s. of the Manhart Ditch Exchange has been made absolute by reason of operation of the exchange and application of the resulting water to decreed beneficial uses; B. In the alternative, to make absolute such lesser amounts of the Manhart Ditch Exchange as the Court deems appropriate and enter a finding of reasonable diligence for any remaining conditional amounts, and to enter a finding of reasonable diligence with respect to any remaining conditionally decreed portion of the Manhart Ditch Exchange originally adjudicated in Case No. 00CW264, and providing that a subsequent showing of diligence for said remaining conditional water right be made six years from the date of entry of a decree of diligence in this matter.

THE WATER RIGHTS CLAIMED BY THESE APPLICATIONS MAY AFFECT IN PRIORITY ANY WATER RIGHTS CLAIMED OR HERETOFORE ADJUDICATED WITHIN THIS DIVISION AND OWNERS OF AFFECTED RIGHTS MUST APPEAR TO OBJECT WITHIN THE TIME PROVIDED BY STATUTE OR BE FOREVER BARRED.

YOU ARE HEREBY NOTIFIED that any party who wishes to oppose an application, or an amended application, may file with the Water Clerk, P. O. Box 2038, Greeley, CO 80632, a verified Statement of Opposition, setting forth facts as to why the application should not be granted, or why it should be granted only in part or on certain conditions. Such Statement of Opposition must be filed by the last day of FEBRUARY 2023 (forms available on www.courts.state.co.us or in the Clerk’s office), and must be filed as an Original and include $192.00 filing fee. A copy of each Statement of Opposition must also be served upon the Applicant or Applicant’s Attorney and an affidavit or certificate of such service of mailing shall be filed with the Water Clerk.

Legal Notice No. NTS2010

First Publication: January 19, 2023

Last Publication: January 19, 2023

Publisher: Westminster Window

PUBLIC NOTICE

NOTICE TO CREDITORS

Estate of William George Fourroux, aka William G. Fourroux, aka William Fourroux, Deceased Case Number: 2022 PR 31040

All persons having claims against the abovenamed estate are required to present them to the Personal Representative or to the District Court of Adams County, Colorado on or before May 5, 2023, or the claims may be forever barred.

Yvette Higgins

Personal Representative 1805 S. Spartan Street Gilbert, AZ 85233

Legal Notice No. NTS1977

First Publication: January 5, 2023 Last Publication: January 19, 2023

Publisher: Northglenn-Thornton Sentinel

PUBLIC NOTICE

NOTICE TO CREDITORS

Estate of Dorothy Delores Hoffman, a/k/a Dorothy D. Hoffman, a/k/a Dorothy Hoffman, Deceased Case Number: 2022 PR 31066

All persons having claims against the abovenamed estate are required to present them to the Personal Representative or to the District Court of Adams County, Colorado on or before May 12, 2023, or the claims may be forever barred.

Rose Mary Zapor, Esq.

Personal Representative Lakewood Legal Center 7475 W 5th Ave #202 Lakewood CO 80226

Legal Notice No. NTS1997 First Publication: January 12, 2023 Last Publication: January 26, 2023

Publisher: Northglenn-Thornton Sentinel

PUBLIC NOTICE

NOTICE TO CREDITORS

Estate of Veronica Marie Cordova a/k/a Veronica M. Cordova a/k/a Veronica Cordova a/k/a Veronica Ronnie Marie Cordova a/k/a Ronnie Marie Cordova, Deceased Case Number: 2022 PR 30989

All persons having claims against the abovenamed estate are required to present them to the Personal Representative or to the District Court of Adams County, Colorado on or before May 19, 2023, or the claims may be forever barred.

Achieve Law Group 146 W. 11th Ave Denver, Colorado, 80204

PUBLIC NOTICE

NOTICE TO CREDITORS

Estate of Coleen Natalie Shaw, Deceased

Case Number: 2022 PR 455

All persons having claims against the abovenamed estate are required to present them to the Personal Representative or to the District Court of Adams County, Colorado on or before May 12, 2023, or the claims may be forever barred.

Angela Delene

Personal Representative 3980 Horseshoe Dr Strasburg CO 80136

Legal Notice No. NTS1993

First Publication: January 12, 2023

Last Publication: January 26, 2023

Publisher: Northglenn-Thornton Sentinel

PUBLIC NOTICE

NOTICE TO CREDITORS

Estate of Dorothy V. Wells, Deceased

Case Number: 2022 PR 422

All persons having claims against the abovenamed estate are required to present them to the Personal Representative or to the District Court of Adams County, Colorado on or before May 31, 2023, or the claims may be forever barred.

Michael L. Wells

Personal Representative 5659 W 116th Pl Westminster, CO 80020

Legal Notice No. NTS1998

First Publication: January 12, 2023

Last Publication: January 26, 2023

Legal Notice No. NTS1979

First Publication: January 5, 2023

Last Publication: January 19, 2023

Publisher: Northglenn-Thornton Sentinel

PUBLIC NOTICE

NOTICE TO CREDITORS

Estate of Rodrigo Rodriguez-Romero,

According to a press release, over 850 providers have signed up to participate in the state-funded, voluntary delivery preschool program to every Colorado child in the year before they are eligible to enter kindergarten.

Roy expects the number of seats to grow before the state opens up registration to families on Jan. 17.

All providers that are licensed to support preschool-aged children are able to participate in UPK Colorado. To begin the process, providers can sign up at provider.upk.colorado.gov/ welcome and contact their Local Co-

ordinating Organization for additional support in signing up.

To learn more about the UPK Colorado program, you can go cdec. colorado.gov/colorado-universalpreschool/family-FAQ for answers to frequently asked questions.

is story is from Rocky Mountain PBS, a nonpro t public broadcaster providing community stories across Colorado over the air and online. Used by permission. For more, and to support Rocky Mountain PBS, visit rmpbs.org.

6215 Corporate Dr, Ste 101 Colorado Springs, CO 80919

Phone: (303) 859-4173

Email: Tony@RossiLawLLC.com Case Number: 2023PR030000

NOTICE OF NON-APPEARANCE HEARING BY PUBLICATION

A hearing on the PETITION FOR ADJUDICATION OF INTESTACY AND FORMAL APPOINTMENT OF PERSONAL REPRESENTATIVE will be held at the following time and location or at a later date to which the

Date:February 21, 2023 Time: 8:00 a.m. Address: 1100 Judicial Center Dr., Brighton, CO 80601

Tony C. Rossi, Rossi Law, LLC 6215 Corporate Dr, Ste 101, Colorado Springs, CO 80919

Legal Notice No. NTS1995

First Publication: January 12, 2023 Last Publication: January 26, 2023 Publisher: Northglenn-Thornton Sentinel

PUBLIC NOTICE

NOTICE TO CREDITORS

Estate of Dorothy L. Borra, a/k/a Dorothy Lorraine Borra, a/k/a Dorothy Borra, Deceased Case Number: 2022 PR 30967

All persons having claims against the abovenamed estate are required to present them to the Personal Representative or to the District Court of Adams County, Colorado on or before May 12, 2023, or the claims may be forever barred.

Joseph H. Lusk, #33948 c/o: BOATRIGHT, RIPP & LUSK, LLC 4315 Wadsworth Blvd. Wheat Ridge, CO 80033 Ph: 303-423-7134

Legal Notice No. NTS1992 First Publication: January 12, 2023 Last Publication: January 26, 2023 Publisher: Northglenn-Thornton Sentinel

PUBLIC NOTICE

NOTICE TO CREDITORS

Estate of DOLORES LINDA OBERMAYR aka DOLORES L. OBERMAYR aka DOLORES OBERMAYR, Deceased Case Number: 2022 PR 31062

All persons having claims against the abovenamed estate are required to present them to the Personal Representative or to the District Court of Adams County, Colorado on or before May 8, 2023, or the claims may be forever barred.

Heidi Van Es Personal Representative 12228 Cook Court Thornton, CO 80241

Legal Notice No. NTS1988 First Publication: January 5, 2023 Last Publication: January 19, 2023 Publisher: Northglenn-Thornton Sentinel

PUBLIC NOTICE

NOTICE TO CREDITORS

Estate of Mark Leroy Anderson, a/k/a Mark L. Anderson, a/k/a Mark Anderson, Deceased Case Number: 2023 PR 30002

All persons having claims against the abovenamed estate are required to present them to the Personal Representative or to the District Court of Adams County, Colorado on or before June 1, 2023, or the claims may be forever barred.

Franklin Leroy Anderson

of Adams County, Colorado on or before May 5, 2023, or the claims may be forever barred.

Leticia Gonzales Personal Representative 9827 Monroe St Thornton, CO 80229

Legal Notice No. NTS1985 First Publication: January 5, 2023 Last Publication: January 19, 2023 Publisher: Northglenn-Thornton Sentinel

Public Notice

District Court Adams County, Colorado Court Address: 1100 Judicial Center Drive Brighton, CO 80601

In the Matter of the Estate of: THERESA ANN ORTIZ, aka THERESA A. ORTIZ, aka THERESA ORTIZ, Deceased

Attorney: 3i Law, LLC Colby S. Weber, Esq. #34881 Chuong M. Le, Esq. #37949 2000 S. Colorado Blvd. Tower 1, Suite 10000 Denver, CO 80222 Phone Number: 303-245-2100 E-mail: cweber@3ilawfirm.com FAX Number: 303-245-2108 cle@3ilawfirm.com Case Number: 2023PR030025

NOTICE OF HEARING BY PUBLICATION

PURSUANT TO § 15-10-401, C.R.S.

To: Raquel Ortiz Last Known Address, if any: A hearing on the Petition for Adjudication of Intestacy and Formal Appointment of Personal Representative for Seeking appointment of Michael Verner as Personal Representative of the Estate of Beverly Verner will be held at the following time and location or at a later date to which the hearing may be continued:

Date: February 27, 2023 Time: 8:00am

Division: PR Address:1100 Judicial Center Drive, Brighton, CO 80601

Legal Notice No. NTS2022

First Publication: January 19, 2023

Last Publication: February 2, 2023

Publisher: Westminster Window

PUBLIC NOTICE

NOTICE TO CREDITORS

Estate of Patricia Sibbitt, Deceased Case Number: 2022 PR 383

All persons having claims against the abovenamed estate are required to present them to the Personal Representative or to the District Court of Adams County, Colorado on or before May 12, 2023, or the claims may be forever barred.

Suzanne Hammerschmidt

Personal Representative 10718 Ogden St Northglenn, CO 80233

Legal Notice No. NTS1989

First Publication: January 12, 2023

Last Publication: January 26, 2023 Publisher: Northglenn-Thornton Sentinel

PUBLIC NOTICE

District Court, Adams County, Colorado

Court Address: 1100 Judicial Center Dr. Brighton, CO 80601

to which the hearing may be continued: Date:February 21, 2023 Time: 8:00 a.m.

Address: 1100 Judicial Center Dr., Brighton, CO 80601

Tony C. Rossi, Rossi Law, LLC 6215 Corporate Dr, Ste 101, Colorado Springs, CO 80919

Legal Notice No. NTS1994

First Publication: January 12, 2023 Last Publication: January 26, 2023 Publisher: Northglenn-Thornton Sentinel

PUBLIC NOTICE

NOTICE TO CREDITORS

Estate of DIANNE LYN CHERRY, aka DIANNE L. CHERRY, aka DIANNE CHERRY, Deceased Case Number: 2022 PR 31020

All persons having claims against the abovenamed estate are required to present them to the Personal Representative or to the District Court of Adams County, Colorado on or before May 19, 2023, or the claims may be forever barred.

Craig D. Johnson, Atty. Reg. #: 11902 CRAIG D. JOHNSON & ASSOCIATES, P.C. 8 Garden Center, Unit 2 Broomfield, CO 80020 Phone Number: 303-466-2335

FAX Number: 303-466-6342 E-mail: cjohnson@cdjlaw.com

Legal Notice No. NTS2021

First Publication: January 19, 2023 Last Publication: February 2, 2023

Publisher: Northglenn-Thornton Sentinel

Name Changes

PUBLIC NOTICE

Public Notice of Petition for Change of Name

Public notice is given on January 5, 2023, that a Petition for a Change of Name of an adult has been filed with the Adams County Court.

The petition requests that the name of Michael Scott Cooper be changed to Mikey Scott Cooper Case No.: 22 C 45687

Byron L. Howell

By: Deputy Clerk

Legal Notice No. NTS2002

First Publication: January 12, 2023 Last Publication: January 26, 2023

Publisher: Northglenn-Thornton Sentinel PUBLIC NOTICE

Public Notice of Petition for Change of Name

Public notice is given on November 28, 2022, that a Petition for a Change of Name of an adult has been filed with the Adams County Court.

The petition requests that the name of Jasmin Garcia Medina be changed to Jasmin Garcia-Medina Case No.: 22 C 1764

By: Deputy Clerk

Legal Notice No. NTS1984

First Publication: January 5, 2023

Last Publication: January 19, 2023

Publisher: Northglenn-Thornton Sentinel

PUBLIC NOTICE

Legal Notice No. NTS1999

First Publication: January 12, 2023 Last Publication: January 26, 2023 Publisher: Northglenn-Thornton Sentinel

PUBLIC NOTICE

District Court, Adams County, Colorado Court Address: 1100 Judicial Center Dr. Brighton, CO 80601

In the Matter of the Estate of: Letha Jean Clarke a/k/a Letha J Clarke a/k/a Letha Clarke, Deceased

Tony C. Rossi #45051 Rossi Law, LLC

Personal Representative 9035 Wadsworth Parkway, Suite 2500 Westminster, CO 80021

Legal Notice No. NTS2007

First Publication: January 19, 2023 Last Publication: February 2, 2023

Publisher: Northglenn-Thornton Sentinel

PUBLIC NOTICE

NOTICE TO CREDITORS

Estate of Felix Steven Gonzales, Deceased Case Number: 2022 PR 424

All persons having claims against the abovenamed estate are required to present them to the Personal Representative or to the District Court

In the Matter of the Estate of: Helen Dolores Cordova a/k/a Helen D Cordova a/k/a Helen Cordova, Deceased

Tony C. Rossi #45051 Rossi Law, LLC 6215 Corporate Dr, Ste 101 Colorado Springs, CO 80919 Phone: (303) 859-4173 Email: Tony@RossiLawLLC.com Case Number: 2023PR030001

NOTICE OF NON-APPEARANCE HEARING BY PUBLICATION

Public Notice of Petition for Change of Name

Public notice is given on January 3, 2023, that a Petition for a Change of Name of an adult has been filed with the Adams County Court.

The petition requests that the name of Jeffrey Sean Mitchell be changed to Kato Jeffrey Sean Mitchell Case No.: 22 C 1856

Bryon L. HowellBy: Deputy Clerk

Legal Notice No. NTS2025

First Publication: January 19, 2023

Last Publication: February 2, 2023

Publisher: Westminster Window

Publisher: Westminster Window