Expert
Lisa Couch
Associate Broker, RE/MAX MOMENTUM
Lisa Couch is a founding member of the Brown Couch Group at RE/MAX Momentum, a trusted mother-daughter partnership with over 25 years of experience helping thousands of clients achieve their real estate dreams. Specializing in the Denver Metro area, particularly the sought-after west suburbs of Arvada, Golden, Westminster, and Broomfield, they bring unmatched local expertise to every transaction.
Whether you’re a seasoned buyer or a first-time home buyer, the Brown Couch Group is here to guide you every step of the way. They have proudly helped countless first-time buyers achieve the dream of homeownership, offering valuable knowledge on zero-down programs and navigating all aspects of the buying process with ease. Known for their attention to detail, exceptional communication, and client-first approach, they ensure every decision is made with confidence.
As Arvada natives, they know what makes these neighborhoods feel like home, from the scenic trails to vibrant communities. Outside of work, they enjoy camping, hosting gatherings, and sharing their favorite recipes, reflecting their warm and approachable style. With the Brown Couch Group, you’re not just working with experts—you’re gaining trusted advocates dedicated to turning your real estate vision into reality.
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Subject Property : 10044 E 146th Pl Brighton CO 80602
Owner Information
Owner Name : Peterson David B / Peterson Suzanne E
Mailing Address : 10044 E 146th Pl, Brighton CO 80602-5731 R011
Owner Occupied Indicator : O
Location Information
Legal Description : Sub:todd Creek Farms Fifth Filing Blk:4 Lot:29
County : Adams, Co
Census Tract / Block : 85.61 / 3
Township-Range- Sect : 01S-67W-15
Legal Lot : 29
Legal Block : 4
Market Area : 748 J
Last Market Sale Information
Recording/Sale Date : 12/29/2017 / 12/29/2017
Sale Price : $746,000
APN : R0125800
Alternate APN : 1571-15-4-01-026
Subdivision : Todd Creek Farms
Map Reference : 748-J
School District : Brighton 27j
Neighbor Code : BRIGHTON-WEST
1st Mtg Amount/Type : $275,000 / Cnv
1st Mtg Document # : 114206
Document # : 114205 1st Mtg Term : 15
Deed Type : Warranty Deed
Title Company : First American Title
Lender : Wells Fargo Bk Na
Seller Name : Chauncey Brandon E & Cassie S
Prior Sale Information
Prior Rec/Sale Date : 07/05/2016 / 06/30/2016
Prior Sale Price : $695,000
Prior Doc Number : 52889
Price Per SqFt : $144.21
Prior Deed Type : Warranty Deed
Prior Lender : Catalyst Lndg Inc
Prior 1st Mtg Amt/Type : $556,000 / Conv
Customer Name : De Anna Harwood
Customer Company Name : First American Title Prepared On : 02/11/2025
2025 CoreLogic. All
Property Characteristics
Gross Area : 5,903
Living Area : 5,173
Tot Adj Area : 5,173
Above Grade : 2753
Total Rooms : 7
Bedrooms : 4
Bath(F/H) : 5
Fireplace : Y / 2
Year Built / Eff : 2004 / 2004
# of Stories : 1
Property Information
Land Use : Sfr
Information
Parking Type : Attached Garage
Garage Area : 730
Basement Area : 2,420
Finish Bsmnt Area : FINISHED
Exterior wall : Frame/masonry
Interior Wall : Drywall
Porch Type : Open Slab
Patio Type : Covered Wood Deck
Basement Type : Finished Air Cond : Yes
Roof Type : Gable Style : Ranch
Roof Material : Composition Shingle
Quality : Good
Construction : Frame Condition : Good
Heat Type : Heated
Cooling Type : Heated
Equipment : Water Heater, Kitchen Sink
Sales History
Rec. Date : 12/29/2017 07/05/2016 03/10/2005 01/14/2004
Sale Date : 12/29/2017 06/30/2016 02/25/2005 01/12/2004
Sale Price Type :
Buyer : Peterson David B & Suzanne E Chauncey Brandon E & Cassie S
Farnsworth David & Revada
Seller : Chauncey Brandon E & Cassie S Famsworth David & Revada Lennar Colorado Llc
Other Doc No :
Lennar Colorado Llc
Creek Village Llc
Sale Price Type :
Buyer : Todd Creek Village Llc Todd Creek Village Llc Todd Creek Village Llc Warren Tcv Llc
Seller : Thomas Tcv Llc Tcv Llc Warren Tcv Llc
Title Company :
Other Doc No :
Creek Farms Llc
Name : De Anna Harwood
Company Name : First American Title Prepared On : 02/11/2025
Mortgage History
1st Mortgage Details
Mtg. Date : 08/27/2020 12/29/2017 07/05/2016 06/26/2009
Mtg. Amt : $240,000 $275,000 $556,000 $188,000
Mtg. Doc. No : 84381 114206 52890 46366
Doc. Type : DEED OF TRUST DEED OF TRUST DEED OF TRUST DEED OF TRUST
Loan Type : VA CONVENTIONAL CONVENTIONAL CONVENTIONAL
Mtg. Rate Type :
Mtg. Term : 10 Years 15 Years 30 Years 30 Years
Mtg. Rate :
Lender : Gateway Mtg Grp
Wells Fargo Bk Na Catalyst Lndg Inc Wells Fargo Bk Na
Borrower 1 : Peterson David B Peterson David B Chauncey Brandon E Farnsworth David
Borrower 2 : Peterson Suzanne E Peterson Suzanne E Chauncey Cassie S Farnsworth Revada
Borrower 3 :
Borrower 4 :
Mtg. Date : 03/10/2005 08/31/2000
Mtg. Amt : $178,000 $8,100,000
Mtg. Doc. No : 249450 6240-909
Doc. Type : EQUITY OR CREDIT LINE DEED OF TRUST
Loan Type : CONVENTIONAL
Mtg. Rate Type : FIXED RATE LOAN
Mtg. Term : 30 Years
Mtg. Rate :
Lender : Universal American Mtg Co Llc
Ohio Svgs Bk
Borrower 1 : Farnsworth David Todd Creek Village Llc
Borrower 2 : Farnsworth Revada
Borrower 3 :
Borrower 4 :
Name : De Anna Harwood Customer Company Name : First American Title Prepared On : 02/11/2025
2nd Mortgage Details
Mtg. Date : 03/10/2005
Mtg. Amt : $100,000
Mtg. Doc. No : 249460
Doc. Type : EQUITY OR CREDIT LINE
Loan Type : CONVENTIONAL
Mtg. Rate Type : FIXED RATE LOAN
Mtg. Term : 30 Years
Mtg. Rate :
Lender : Universal American Mtg Co Llc
Borrower 1 : Farnsworth David
Borrower 2 : Farnsworth Revada
Borrower 3 :
Borrower 4 : Customer Name : De Anna
Company Name : First American Title Prepared On : 02/11/2025
Harwood
Owner Name : Sanders Greg Subdivision : Todd Creek Farms
Sale Date : 12/17/2015
Total Value : $828,000
Recording Date : 12/21/2015
Price : $459,900 Bed / Bath : 3 / 4
Sfr
1.70
2,665
Owner Name : Allison Shawn Michael Subdivision : Todd Creek Farms
Sale Date : 06/26/2008
Total Value : $1,089,000
Recording Date : 07/09/2008
Price : $65,000 Bed / Bath : 3 / 3
2.17
Owner Name : Aguirre De La Cruz Abel
Sale Date : 04/07/2023
Total Value : $215,000
Land Use : Residential Acreage
Subdivision : Todd Creek Farms
Recording Date : 04/10/2023
Sale Price : $263,500
Tax : $6,896.36
Acres : 1.98
R0125797
9924 E 146TH PL Distance 0.07 Miles
Owner Name : Mahaffey William R
Sale Date : 06/29/2006
Total Value : $1,299,000
Subdivision : Todd Creek Farms
Recording Date : 07/07/2006
Sale Price : $722,850
Bed / Bath : 4 / 5 Property Tax : $8,711.92
Land Use : Sfr
Stories : 2
Yr Blt / Eff Yr Blt : 2005 / 2005
Acres : 2.14
Living Area : 5,169
APN : R0125802
Customer Name : De Anna Harwood
Customer Company Name : First American Title Prepared On : 02/11/2025
E 146TH PL
Owner Name : Black Robert Jr
Sale Date : 07/07/2017
Subdivision : Todd Creek Farms
Recording Date : 07/17/2017
Total Value : $931,000 Sale Price : $600,000
Bed / Bath : 4 / 3
Land Use : Sfr
Stories : 1
Tax : $6,134.40
Acres : 1.53
Area : 2,572 Yr Blt / Eff Yr Blt : 2004 / 2004
R0125768
Owner Name : Calabrese Angela Nicole
Sale Date : 12/15/2023
Subdivision : Todd Creek Farms
Recording Date : 12/20/2023
Total Value : $1,207,000 Sale Price : $1,545,000
Bed / Bath : 5 / 4
Land Use : Sfr
Stories : 1
Blt / Eff Yr Blt : 2004 / 2004
E 146TH PL
Owner Name : Casebolt Jeremy
Sale Date : 03/17/2022
Tax : $8,191.09
Acres : 1.60
5,000
R0125798
Subdivision : Todd Creek Farms
Recording Date : 03/22/2022
Total Value : $875,000 Sale Price : $875,000
Bed / Bath : 4 / 4 Property Tax : $5,742.44
Land Use : Sfr Lot Acres : 1.50
Stories : 2 Living Area : 2,662 Yr Blt / Eff Yr Blt : 2004 / 2004
E 146TH PL
Owner Name : Schultz Markus A
Sale Date : 05/30/2019
R0125769
Subdivision : Todd Creek Farms
Recording Date : 06/05/2019
Total Value : $785,000 Sale Price : $545,000
Bed / Bath : 4 / 3 Property Tax : $5,112.18
Land Use : Sfr Lot Acres : 1.61
Stories : 2 Living Area : 2,170
Yr Blt / Eff Yr Blt : 2004 / 2004 APN : R0125770
Customer Name : De Anna Harwood
Customer Company Name : First American Title Prepared On : 02/11/2025
10125 E 146TH PL
Owner Name : Gossett John Bradley
Sale Date : 12/18/2009
Subdivision : Todd Creek Farms
Recording Date : 12/23/2009
Total Value : $1,078,000 Sale Price : $61,000
Bed / Bath : 4 / 4
Land Use : Sfr
Stories : 1
Tax : $7,163.94
Acres : 1.62
Area : 4,034 Yr Blt / Eff Yr Blt : 2012 / 2012
9963 E 146TH AVE
Owner Name : Eldridge Tamara C
Sale Date : 08/31/2015
R0125767
Subdivision : Todd Creek Farms
Recording Date : 09/03/2015
Total Value : $1,121,000 Sale Price : $667,650
Bed / Bath : 6 / 4
Land Use : Sfr
Stories : 1
Tax : $7,464.96
Acres : 2.00
Area : 5,703 Yr Blt / Eff Yr Blt : 2008 / 2008
R0125806 Customer Name : De Anna Harwood Customer Company Name : First American Title Prepared On : 02/11/2025
2025 CoreLogic. All
Census Tract / block: 85.61 / 3 Year: 2020
County: ADAMS
Violent Crime (Ratio)
Non Violent Crime (Ratio) Burglary
COLORADO Denver Metro
SPORTS:
DENVER BRONCOS
1701 Bryant St, Denver, CO 80204 (720) 258-3100 denverbroncos.com
COLORADO AVALANCHE
1000 Chopper Cir Denver, CO 80204 (303) 405-1100
NHL.COM
COLORADO ROCKIES COORS FIELD
2001 Blake St Denver, CO 80205 (303) 292-0200
MLB.COM
DENVER NUGGETS
2001 Blake St
Denver, CO 80205 (303) 292-0200
MLB.COM
COLORADO RAPIDS
6000 Victory Way Commerce City, CO 80022 (303) 727-3520
COLORADORAPIDS.COM
COLORADO MAMMOTH
1000 Chopper Cir Denver, CO 80204 (303) 405-1101
COLORADOMAMMOTH.COM
AMERICAN RAPTORS
950 S Birch St Glendale, CO 80246 (303) 639-4419
americanraptors.com
PARKS & RECREATION:
CITY PARK
East of downtown on 17th Ave. and York St. This expansive, multifaceted park is Denver’s version of New York City’s Central Park. In City Park ‘s 330 lovely, landscaped acres, you’ll find a public golf course , colorful flower gardens, ornate fountains, placid lakes and rolling green lawns perfect for picnics. City Park is home to some of Denver’s most popular attractions, including the Denver Zoo, the Denver Museum of Nature & Science, the Martin Luther King Memorial and much more. From June through August, the park plays host to City Park Jazz, with free concerts each Sunday. It’s also got unbeatable views of The Mile High City skyline and the Rocky Mountains beyond.
SKYLINE PARK
On the corner of 16th and Arapahoe streets. Adjacent to the 16th Street Mall, Skyline Park offers an easy getaway for the more than 120,000 people who spend their workday in downtown Denver. Located at 15th and Arapahoe streets, Skyline Park is always a fun place to spend a little time, especially during the summer, when visitors to the Skyline Beer Garden can enjoy brews on draft, street food, a family-friendly game area and live music on Friday and Saturday nights. And don’t miss the Downtown Denver Rink at Skyline Park every winter, offering free ice skating all season long.
CIVIC CENTER PARK
101 W. 14th Ave. Pkwy.
Located in the heart of downtown Denver, Civic Center Park is always bursting with life, as tourists and locals take advantage of the beautiful landscaping and vibrant atmosphere of this unique urban park. Many events, such as Cinco de Mayo, Civic Center EATS (a food truck festival
Tuesdays, Wednesdays and Thursdays in the summer months), the Capitol Hill People’s Fair, Denver PrideFest, Martin Luther King Jr. Day and A Taste of Colorado are traditionally held in Civic Center Park. This spacious plaza, surrounded by monumental government and public buildings, is a stone’s throw from a number of Mile High City attractions, including the Denver Art Museum, the Denver Public Library , the 16th Street Mall and the Colorado State Capitol Building.
CONFLUENCE PARK
2250 15th St.
Where Cherry Creek and the South Platte River meet and mingle, you’ll find the unique and scenic Confluence Park. Watch kayakers brave the rapids on custom-designed chutes, sunbathe on the sandy banks and enjoy panoramic views of downtown Denver. The park is close to the Downtown Aquarium, the Children’s Museum of Denver at Marsico Campus and Elitch Gardens Theme & Water Park. Hop on the Denver Trolley and take a 30-minute scenic ride along the river, plus learn about the area’s history. Love a party? Join thousands of revelers at the South Platte RiverFest each June for water sports and live music.
COLORADO Denver Metro
ARTS
&
ENTERTAINMENT:
RED ROCKS PARK AND AMPHITHEATRE
18300 W Alameda Pkwy
Morrison, CO 80465 (720) 865-2494 redrocksonline.com
ELITCH GARDENS THEME & WATER PARK
2000 Elitch Cir. Denver, CO (303) 595-4386 elitchgardens.com
SKYLINE PARK
1600 Arapahoe St Denver, CO 80202 (303) 534-6161 downtowndenver.com
LAKESIDE
4601 Sheridan Blvd Denver, CO 80212 (303) 477-1621
LAKESIDEAMUSEMENTPARK.COM
WATER WORLD
&
8801 Pecos St Federal Heights, CO 80260 (303) 427-7873 waterworldcolorado.com
CASA BONITA (RESTURANT)
6715 W Colfax Ave
Lakewood, CO 80214 (970) 893-2817 CASABONITADENVER.COM
MEOW WOLF DENVER
1338 1st St.
Denver, CO (866) 636-9969 meowwolf.com
DENVER BOTANIC GARDENS
1007 York St
Denver, CO 80206 (720) 865-3500 botanicgardens.org
HUDSON GARDENS
6115 S Santa Fe Dr Littleton, CO 80120 (303) 797-8565 hudsongardens.org
COLORADO CONVENTION CENTER
700 14th St Denver, CO 80202 (303) 228-8000
DENVERCONVENTION.COM
AMERICAN MUSEUM OF WESTERN ART
1727 Tremont Place Denver, CO 80202 (303) 293-2000 ANSCHUTZCOLLECTION.ORG
ARVADA CENTER FOR THE ARTS AND HUMANITIES
6901 Wadsworth Blvd Arvada, CO 80003 (720) 898-7200 arvadacenter.org
DENVER CENTER FOR THE PERFORMING ARTS 1101 13th St Denver, CO 80204 (303) 893-4100 denvercenter.org
THE DENVER MUSEUM OF NATURE AND SCIENCE 2001 Colorado Blvd. Denver, CO 80205 (303) 370-6000 dmns.org
CHILDREN’S MUSEUM OF DENVER AT MARSICO CAMPUS
2121 Children’s Museum Dr. Denver, CO (303) 433-7444 MYCHILDSMUSEUM.ORG
DENVER ART MUSEUM
100 W. 14th Ave. Pkwy. Denver, Colorado (720) 913-2798
DENVERARTMUSEUM.ORG
SANCTUARIES & ZOOS:
BUTTERFLY PAVILION (303) 469-5441 6252 W 104th Ave. Westminster, CO 80020 aquariumrestaurants.com
THE WILD ANIMAL SANCTUARY
1946 County Road 53 Keenesburg, CO 80643 (303) 536-0118 wildanimalsanctuary.org
LUVIN ARMS ANIMAL SANCTUARY
3470 County Road 7 Erie, CO 80516 (720) 515-8577 luvinarms.org
DENVER ZOO
2300 N Steele St Denver, CO 80205 (720) 337-1400 denverzoo.org
DOWNTOWN AQUARIUM DENVER
700 Water St Denver, CO 80211 (303) 561-4450
aquariumrestaurants.com
COLORADO Denver Metro
Denver
The Mile High City Exciting Things to Do in Denver
Denver’s balmy weather provides endless things to do in the city and nearby mountains year-round. Don’t miss these must-sees.
Relax in nature with 4,000 acres of public city parks, one of the largest urban park systems in the country. Or take a walk or bike ride on the region’s 850 miles of paved, off-street trails. Make Denver your basecamp for day trips to experience world-class hiking, mountain biking, camping and fly-fishing.
The city’s arts and culture scene is thriving with major museums, unique art districts and boutique galleries. Denver is also a mecca for street art.
There’s something for everyone in the city from romantic spots to family-friendly fun. Whether you’re planning a weekend getaway or longer vacation, find the perfect Denver hotel.
SCAN CODE
to explore more outdoor activities, food, drink, arts, culture and employment!
denver.org/things-to-do
COLORADO
SPORTS TEAMS & FACILITIES:
DENVER METRO
DENVER BRONCOS
Empower Field at Mile High 1701 Bryant Street, Denver, CO 80204 denverbroncos.com
DENVER NUGGETS
Ball Arena
1000 Chopper Cir., Denver, CO 80204 nba.com/nuggets
COLORADO AVALANCHE
Ball Arena
1000 Chopper Cir., Denver, CO 80204 avalanche.nhl.com
COLORADO ROCKIES
Coors Field
2001 Blake St., Denver, CO 80205 coloradorockies.com
COLORADO RAPIDS
&
Dick’s Sporting Goods Park 6000 Victory Way, Commerce City, CO 80022 • coloradorapids.com
COLORADO MAMMOTH Ball Arena
1000 Chopper Cir., Denver, CO 80204 coloradomammoth.com
UNIVERSITY OF COLORADO cubuffs.com
DENVER UNIVERSITY denverpioneers.com
NATIONAL BALLPARK MUSEUM
140 Blake Street – Denver, CO (303)974-5835 ballparkmuseum.com
NORTHERN COLORADO
COLORADO EAGLES
Blue FCU Arena 5290 Arena Cir., Loveland, CO 80538 coloradoeagles.com
NORTHERN COLORADO HAILSTORM FC
Future Legends Complex 950 Owlz Way, Windsor, CO, 80550 hailstormfc.com
COLORADO STATE UNIVERSITY csurams.com
UNIVERSITY OF NORTHERN COLORADO - BEARS uncbears.com
COLORADO NATIONAL SPEEDWAY
4281 Co Rd 10, Dacono, CO 80514 coloradospeedway.com
SOUTHERN COLORADO
COLORADO SPRINGS SWITCHBACKS FC
Weidner Field 111 W. Cimarron St., Colorado Springs, CO 80903 • switchbacksfc.com
AIR FORCE ACADEMY goairforcefalcons.com
PIKES PEAK INTERNATIONAL RACEWAY
16650 Midway Ranch Rd., Fountain, CO 80817 ppir.com
MUSEUMS:
DENVER METRO
DENVER ART MUSEUM
720.865.5000
100 W. 14th Ave. Pkwy., Denver, CO 80204 • denverartmuseum.org
DENVER MUSEUM OF NATURE & SCIENCE
303.370.6000
2001 Colorado Blvd., Denver, CO 80205 dmns.org
HISTORY COLORADO CENTER
303.447.8679
1200 Broadway, Denver, CO 80203 historycolorado.org
MOLLY BROWN HOUSE
303.832.4092
1340 Pennsylvania St., Denver, CO 80203 • mollybrown.org
COLORADO RAILROAD MUSEUM
303.279.4591
17155 W. 44th Ave., Golden, CO 80403 coloradorailroadmuseum.org
KIRKLAND MUSEUM OF FINE DECORATIVE ART
303.832.8576
1201 Bannock St., Denver, CO 80204 kirklandmuseum.org
FORNEY MUSEUM OF TRANSPORTATION
303.297.1113
4303 Brighton Blvd., Denver, CO 80216 forneymuseum.com
COLORADO
MUSEUMS Cont.
MUSEUM OF CONTEMPORARY ART
303.298.7554
1485 Delgany St., Denver, CO 80202 mcadenver.org
THE CHILDREN’S MUSEUM OF DENVER
303.433.7444
2121 Children’s Museum Dr., Denver, CO 80211 • mychildsmuseum.org
DENVER FIREFIGHTERS MUSEUM
303.892.1436
1326 Tremont Pl., Denver, CO 80204 denverfirefightersmuseum.org
BUFFALO BILL MUSEUM & GRAVE
720.865.2160
987 1/2 Lookout Mountain Rd, Golden, CO 80401• buffalobill.org
MUSEUM OF MINIATURES, DOLLS & TOYS
303.322.1053
830 Kipling St., Lakewood, CO 80215 dmmdt.org
CLYFFORD STILL MUSEUM
720.354.4880
1250 Bannock St., Denver, CO 80204 clyffordstillmuseum.org
MORRISON NATURAL HISTORY MUSEUM
303.697.1873
501 CO-8, Morrison, CO 80465 morrisonco.us
NATIONAL BALLPARK MUSEUM
303.974.5835
1940 Blake St., Denver, CO 80202 ballparkmuseum.com
BOULDER MUSEUM OF CONTEMPORARY ART
303.443.2122
1750 13th St., Boulder, 80302 bmoca.org
WINGS OVER THE ROCKIES AIR & SPACE MUSEUM
303.360.5360
7711 E Academy Blvd., Denver, CO 80230 • wingsmuseum.org
AMERICAN MOUNTAINEERING MUSEUM
303.996.2747
710 10th St., Golden, CO 80401 mountaineeringmuseum.org
NORTHERN COLORADO
FORT COLLINS MUSEUM OF DISCOVERY
970.221.6738
408 Mason Ct., Fort Collins, CO 80524 fcmod.org
LOVELAND MUSEUM
970.962.2410
503 N Lincoln Ave., Loveland, CO 80537 cliffdwellingsmuseum.com
COLORADO MODEL RAILROAD MUSEUM
970.392.2934
680 10th St., Greeley, CO 80631 cmrm.org
FORT COLLINS MUSEUM OF ART
970.482.2787
201 S College Ave., Ft. Collins, CO 80524 moafc.org
GREELEY HISTORY MUSEUM
970.350.9220
714 8th St., Greeley, CO 80631 greeleymuseums.com/locations/greeley-history-museum
SOUTHERN COLORADO
MANITOU CLIFF DWELLINGS
719.685.5242
10 Cliff Rd., Manitou Springs, CO 80829 cliffdwellingsmuseum.com
FINE ARTS CENTER
719.634.5581
30 W Dale St., Colorado Springs, CO 80903 • fac.coloradocollege.edu
PRORODEO HALL OF FAME & MUSEUM
719.528.4764
103 Pro Rodeo Dr., Colorado Springs, 80919 prorodeohalloffame.com
U.S. OLYMPIC MUSEUM
719.497.1234
200 S Sierra Madre St., Colorado Springs, CO 80903 • usopm.org
MIRAMONT CASTLE
719.685.1011
9 Capitol Hill Ave., Manitou Springs, CO 80829 • ballparkmuseum.com
GHOST TOWN MUSEUM
719.634.0696
400 S 21st St., Colorado Springs, CO 80904 • ghosttownmuseum.com
STATE PARKS:
cpw.state.co.us/placestogo/parks
DENVER METRO
BARR LAKE Brighton, CO
CHERRY CREEK Aurora, CO
ELDORADO CANYON Boulder, CO
COLORADO
STATE PARKS cont.
CASTLEWOOD CANYON
Franktown, CO
ROXBOROUGH
Littleton, CO
CHATFIELD
Littleton, CO
GOLDEN GATE CANYON
Golden, CO
NORTHERN COLORADO
STATE FOREST
Walden, CO
BOYD LAKE
Loveland, CO
LORY
Fort Collins, CO
ST. VRAIN
Firestone, CO
SOUTHERN COLORADO
CHEYENNE MOUNTAIN
Colorado Springs, CO
LAKE PUEBLO
Pueblo, CO
MUELLER
Colorado Springs, CO
OTHER PARKS:
DENVER METRO
RED ROCKS PARK AND AMPHITHEATRE
720.865.2494
18300 W Alameda Pkwy., Morrison, CO 80465 • redrocksonline.com
SOUTHERN COLORADO
GARDEN OF THE GODS
719.634.6666
1805 N. 30th St., Colorado Springs, CO 80904 • gardenofgods.com
CAVE OF THE WINDS
MOUNTAIN PARK
719.685.5444
100 Cave of the Winds Rd. Manitou Springs, CO 80829 caveofthewinds.com
ROYAL GORGE BRIDGE & PARK
719.275.7507
4218 CO RD 3A, Cañon City, CO 81212 royalgorgebridge.com
SANCTUARIES
& ZOOS: DENVER METRO
DENVER ZOO
720.337.1400
2300 Steele St., Denver, CO 80205 denverzoo.org
DENVER AQUARIUM
303.561.4450
700 Water St., Denver, CO 80211 aquariumrestaurants.com
BUTTERFLY PAVILION
303.469.5441
6252 W 104th Ave., Westminster, CO 80020 • aquariumrestaurants.com
EASTERN COLORADO
THE WILD ANIMAL SANCTUARY
303.536.0118
2999 CO RD 53, Keenesburg, CO 80643 wildanimalsanctuary.org
SOUTHERN COLORADO
CHEYENNE MOUNTAIN ZOO
719.633.9925
4250 Cheyenne Mtn. Zoo Road Colorado Springs, CO 80906 cmzoo.org
PUEBLO ZOO
719.561.1452
3455 Nuckolls Ave., Pueblo, CO 81005 pueblozoo.org
COLORADO WOLF & WILDLIFE CENTER
719.687.9742
4729 Twin Rocks Rd., Divide, CO 80814 wolfeducation.org
AMUSEMENT PARKS:
DENVER METRO
ELITCH GARDENS
303.595.4386
2000 Elitch Cir., Denver, CO 80204 elitchgardens.com
WATER WORLD
303.427.7873
8801 N Pecos St., Federal Heights, CO 80260 • waterworldcolorado.com
LAKESIDE AMUSEMENT
PARK
303.477.1621
4601 Sheridan Blvd., Denver, CO 80212 lakesideamusementpark.com
NORTHERN COLORADO
RIDE-A-KART
970.586.6495
2250 Big Thompson Ave. • Estes Park, 80517 www.rideakart.com
COLORADO
AMUSEMENT PARKS cont.
NORTHERN COLORADO
ESTES PARK RIDE-A-KART
970.586.6495
2250 Big Thompson Ave., Estes Park, CO 80517 • rideakart.com
SOUTHERN COLORADO
NORTH POLE CO SANTA’S WORKSHOP
719.684.9432
5050 Pikes Peak Highway, Cascade, CO 80809 • northpolecolorado.com
TOURS:
DENVER METRO
UNITED STATES MINT
303.572.9500
320 W. Colfax Ave., Denver, CO 80204 usmint.gov
COLORADO STATE CAPITOL BUILDING
NORTHERN COLORADO
BUDWEISER BREWERY EXPERIENCE
970.490.4691
2685 Busch Dr., Fort Collins, CO 80524 budweisertours.com
PERFOMING ARTS:
DENVER METRO
DENVER CENTER FOR THE PERFORMING ARTS
303.893.4100
1101 13th St., Denver, CO 80204 denvercenter.org
ARVADA CENTER
720.898.7200
6901 Wadsworth Blvd., Arvada, CO 80003 • arvadacenter.org
NORTHERN COLORADO
THE LINCOLN CENTER
970.221.6730 417 W Magnolia St., Fort Collins, CO 80521 • lctix.com
DENVER METRO
DENVER BOTANIC GARDENS
720.865.3500
1007 N York St., Denver, CO 80206 botanicgardens.org
SOUTHERN COLORADO
THE BROADMOOR SEVEN FALLS
855.923.7272
1045 Lower Gold Camp Rd., Colorado Springs, CO 80905 broadmoor.com/adventures/seven-falls/tickets
PIKES PEAK COG RAILWAY
719.685.5401
515 Ruxton Ave., Manitou Springs, CO 80829 • cograilway.com
&
303.866.2604
200 E. Colfax Ave., Denver, CO 80203 capitol.colorado.gov
HAMMOND’S CANDIES
303.333.5588
5735 Washington St., Denver, CO 80216 hammondscandies.com
COORS BREWERY TOUR
303.277.2337
502 14th Street, Golden, CO 80401 millercoors.com
CELESTIAL SEASONINGS FACTORY TOUR
303.530.5300
4600 Sleepytime Dr., Boulder, CO 80301 celestialseasonings.com
UNION COLONY CIVIC CENTER
970.356.5000 701 10th Ave., Greeley, CO 80631
SOUTHERN COLORADO
PIKES PEAK CENTER FOR THE PERFORMING ARTS
719.477.2100
190 S Cascade Ave., Colorado Springs, CO 80903 • pikespeakcenter.com
(Call for hours)
COLORADO
SKI RESORTS:
ARAPAHOE BASIN SKI AREA
970.468.0718 arapahoebasin.com
ASPEN MOUNTAIN
970.923.1227 aspensnowmass.com
BEAVER CREEK RESORT
970.754.4636 beavercreek.com
BLUE SKY BASIN
970.754.8245 vail.com
BRECKENRIDGE SKI RESORT
970.453.5000 breckenridge.com
BUTTERMILK SKI RESORT
855.496.9219 aspensnowmass.com
COPPER MOUNTAIN RESORT
970.968.3025 coppercolorado.com
CRESTED BUTTE MOUNTAIN RESORT
970.251.7021 skicb.com
ECHO MOUNTAIN echomntn.com
ELDORA MOUNTAIN RESORT
303.440.8700 eldora.com
HESPERUS SKI AREA
970.385.2199 ski-hesperus.com
HOWELSEN HILL SKI AREA
970.879.8499 steamboatsprings.net
KENDALL MOUNTAIN
970.387.5522 skikendall.com
KEYSTONE RESORT
970.754.0001 keystoneresort.com
LOVELAND SKI AREA
720.405.6455 skiloveland.com
MONARCH MOUNTAIN
719.530.5000 skimonarch.com
POWDERHORN RESORT
970.268.5700 powderhorn.com
PURGATORY RESORT
800.525.0892 purgatory.ski
SILVERTON MOUNTAIN
970.387.5706 silvertonmountain.com
SKI COOPER
719.486.2277 skicooper.com
STEAMBOAT SKI RESORT
970.879.6111 steamboat.com
SUNLIGHT MOUNTAIN RESORT
970.945.7491 sunlightmtn.com
TELLURIDE SKI RESORT
800.778.8581 tellurideskiresort.com
VAIL MOUNTAIN RESORT
970.476.3600 vailresorts.com
WINTER PARK SKI RESORT
970.726.5514 winterparkresort.com
WOLF CREEK SKI AREA
970.264.5639 wolfcreekski.com
GRANDBY RANCH
888.850.4615 granbyranch.com
SNOWMASS gosnowmass.com
ASPEN HIGHLANDS
800-525-6200 aspensnowmass.com
RESORTS, SNOW REPORT AND PASSES VISIT: coloradoski.com
COLORADO
• Colorado contains 75% of the land area of the U.S. with an altitude over 10,000 feet.
• Colfax avenue is the longest continuous street in America.
• Every year Denver hosts the worlds largest rodeo, the Western Stock Show.
• Denver has the largest city park system in the nation with 205 parks in the city limits and 20,000 acres of parks in nearby mountains.
• Colorado has more microbreweries per capita than any other state.
• The highest suspension bridge in the world is over the Royal Gorge near Canon City. The Royal Gorge Bridge span the Arkansas River at a height of 1,053 feet.
• The world’s largest natural hot springs pool is located in Glenwood Springs.
• “Beulah red” is the name of the red marble that gives the Colorado State Capitol its distinctive splendor. Cutting, polishing and installing the marble in the Capitol took six years from 1894 to 1900. All of the Beulah red marble in the world went into the Capitol.
• The highest paved road in North America is the road to Mt. Evans off of I-70 from Idaho Springs. The road climbs up to14,258 feet above sea level.
• The United States Federal Government owns more than 1/3 of the land in Colorado.
• The 13th step of the state capitol building in Denver is exactly one mile high above sea level.
• The Dwight Eisenhower Memorial Tunnel between Clear Creek & Summit counties is the highest auto tunnel in the world. Bored at an elevation of 11,000 feet under the Continental Divide, it is 8,960 feet long and the average daily traffic exceeds 26,000 vehicles.
• Katherine Lee Bates wrote “America the Beautiful” after being inspired by the views from Pikes Peak.
• In Denver, you can attend sporting events for the NFL (Broncos), MLB (Rockies), NHL (Avalanche), and the NBA (Nuggets) all within a three-mile radius!
• Colorado was the first state to legalize the recreational use of marijuana in 2012.
COLORADO
• The highest point in Colorado is Mount Elbert at 14,433 feet
• The Dwight Eisenhower Memorial Tunnel between Clear Creek and Summit counties is the highest auto tunnel in the United States. “When originally opened in the 1970s, the tunnel was not only the highest vehicular tunnel in the US, but at that time it was also the highest in the world. Since then, higher tunnels have been built across the globe,” the Colorado Department of Transportation said.
• Trail Ridge Road, the highest continuous U.S. highway, leaves Rocky Mountain National Park on the east and soars to 12,183 feet as it crosses the Continental Divide to the Western Slope. The highest paved road in North America is the road to Mount Evans off of I-70 from Idaho Springs. The road climbs up to 14,258 feet above sea level.
• Colorado has the highest mean altitude of all the states.
• Louis E. Ballast invented the cheeseburger in 1935 at his restaurant, the Humpty Dumpty Barrel Drive In, in Denver.
• Four-state corner - Colorado’s southwest corner is the only place in the United States where the corners of four states meet: Arizona, New Mexico, and Utah.
• Colorado River - The river was named by Spanish explorers for its muddy, red hue, which means “colored red” in Spanish.
• Colorado Trail - This 500-mile hiking trail runs from Durango to Denver, crossing five river systems, six wilderness areas, seven national forests, and eight mountain ranges.
• Denver records an average of over 300 days of sunshine per year--more than San Diego or Miami Beach.
• At an elevation of 5,280 feet, Denver is nicknamed the “Mile High City” because it sits exactly one mile above sea level.
• The U.S. Air Force Academy was built in Colorado Springs in 1958.
• Jolly Rancher Candies started in Golden, also home to Coors Brewery.
COLORADO
ADMISSION TO STATEHOOD: August 1, 1876
AREA:
Colorado has a total of 104,100 Sq. Miles (8th largest in the US)
HIGHEST POINT: Mt. Elbert; 14,433 feet
LARGEST CITY: Denver
LOWEST POINT: Arikaree River; 3,315 feet
MAJOR INDUSTRIES:
Agriculture (wheat, cattle, sheep), Tourism(especially skiers), Mining (gold, silver), Oil, Finance, and Manufacturing
ORIGIN OF THE NAME “COLORADO:”
The word Colorado is spanish for “color red” and refers to the muddy Colorado River
POPULATION:
5,914,181 (2024 estimate)
STATE ABBREVIATION: CO
STATE ANIMAL: Rocky Mountain Big Horn Sheep
STATE BIRD: Lark Bunting
STATE CAPITAL: Denver
STATE DANCE: Square Dance
STATE FISH: Greenback Cutthroat Trout
STATE FLOWER: Rocky Mountain Columbine
STATE FOSSIL: Stegosaurus
STATE GEMSTONE: Aquamarine
STATE GRASS: Blue Grama Grass
STATE INSECT: Colorado Hairstreak Butterfly
STATE MOTO: Nil sine Numine (“Nothing Without Divine Will or Providence”)
STATE NICKNAME: Centennial State / Colorful Colorado
STATE SOIL: Seitz
STATE SONG: “Where the Columbines Grow”
STATE TREE: Blue Spruce
DENVER METRO
Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas, Elbert & Jefferson Counties
SCHOOL DISTRICT:
SCHOOL DISTRICT 27-J
SCHOOLS: BRANTNER ELEMENTARY
ROGER QUIST MIDDLE
RIVERDALE RIDGE HIGH
SCHOOL
DENVER METRO
Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas, Elbert & Jefferson Counties
SCHOOL
DENVER METRO
Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas, Elbert & Jefferson Counties
METRO REGION SCHOOL
DISTRICTS:
ADAMS 12 FIVE STAR SCHOOLS
Thornton www.adams12.org
ADAMS 14
Commerce City www.adams14.net
ADAMS-ARAPAHOE 28J
Aurora www.aurorak12.org
BOULDER VALLEY RE-2
Boulder www.bvsd.org
CHERRY CREEK 5
Greenwood Village www.cherrycreekschools.org
CLEAR CREEK RE-1
Idaho Springs www.ccsdre1.org
DENVER COUNTY 1
Denver www.dpsk12.org
DOUGLAS COUNTY RE-1
Castle Rock www.dcsdk12.org
ELIZABETH SCHOOL DISTRICT
Elizabeth www.elizabethschooldistrict.org
ENGLEWOOD 1 Englewood www.englewoodschools.net
GILPIN COUNTY RE-1
Black Hawk www.gilpin.k12.co.us
JEFFERSON COUNTY R-1
Golden www.jeffcopublicschools.org
LITTLETON 6
Littleton www.littletonpublicschools.net
MAPLETON 1
Denver www.mapleton.us
PLATTE CANYON
Bailey www.plattecanyonschools.org
SCHOOL DISTRICT 27J Brighton www.sd27j.org
SHERIDAN 2
Sheridan www.ssd2.org
WESTMINSTER PUBLIC SCHOOLS
Westminster www.westminsterpublicschools.org
2024 Final School Performance Framework
1013: Brantner Elementary School | 0040: School District 27J
Plan Type Official Rating based on SINGLE-YEAR SPF Report
Performance Plan
63.2/100 Points Earned
The performance framework evaluates district and school performance on Academic Achievement, Academic Growth, and Postsecondary & Workforce Readiness indicators The percentage of points earned across all indicators determines the final accreditation rating for a district or the final plan type for a school, which is displayed above The cut points for final ratings established by the State Board of Education are shown at the right of this page Failure to meet test participation, safety, and finance assurances may result in a rating being lowered by one level Refer to the scoring guide near the end of this report for more details on how ratings are determined
InsufficientStateData: No reportable achievement and growth data
(-) No Reportable Data
*Under state accountability policy, 95% of students must participate in state assessments Students who are excused from testing by a parent or guardian do not impact the Accountability Participation Rate that is used to determine whether the overall rating is reduced by one level Districts or schools
total participation in ELA and Math receive a "Low Total Participation" descriptor to help readers when interpreting accountability data The descriptor does not impact framework calculations Multilingual Learners in their first year in the U S who were eligible to take the
ACADEMIC ACHIEVEMENT
2024 Final School Performance Framework
ACADEMIC GROWTH
This page displays the performance indicator data for the elementary school level For the 1-year report, calculations are based on 2024 state assessment results Multi-year reports include 2022 through 2024 results
Academic Achievement: mean scale scores represent outcomes for designated subjects and student groups; participation rates included on this page count parent excusals as non-participants Cut-scores for the CMAS Science metric were re-normed based on 2024 results
Academic Growth: median student growth percentiles and percentages of students on track to meet targets represent outcomes for designated subjects and student groups
For additional information regarding Academic Achievement and Academic Growth points, cut-points, and ratings, refer to the scoring guide at the end of this document. Additional resources are available at http://www.cde.state.co.us/accountability/accountability-resources
Multilingual Learners describes students that are Non-English Proficient (NEP), Limited
1, Monitor Year 2, Exited Year 1, & Exited Year 2 (*) Not Applicable; (-) No Reportable Data
and Fluent
- Monitor
1013: Brantner Elementary School | 0040: School District 27J
Scoring Guide for 2024 District/School Performance Frameworks
2024 Final School Performance Framework
7351: Rodger Quist Middle School | 0040: School District 27J
Plan Type
Improvement Plan
Rating based on SINGLE-YEAR SPF Report
52.3/100 Points Earned
The performance framework evaluates district and school performance on Academic Achievement, Academic Growth, and Postsecondary & Workforce Readiness indicators The percentage of points earned across all indicators determines the final accreditation rating for a district or the final plan type for a school, which is displayed above The cut points for final ratings established by the State Board of Education are shown at the right of this page Failure to meet test participation, safety, and finance assurances may result in a rating being lowered by one level Refer to the scoring guide near the end of this report for more details on how ratings are determined
InsufficientStateData: No reportable achievement and growth data
(-) No Reportable Data
*Under state accountability policy, 95% of students must participate in state assessments Students who are excused from testing by a parent or guardian do not impact the Accountability Participation Rate that is used to determine whether the overall rating is reduced by one level Districts or schools
total participation in ELA and Math receive a "Low Total Participation" descriptor to help readers when interpreting accountability data The descriptor does not impact framework calculations Multilingual Learners in their first year in the U S who were eligible to take the
2024 Final School Performance Framework
7351: Rodger Quist Middle School | 0040: School District 27J Middle School - (1 Year)
ACADEMIC ACHIEVEMENT
ACADEMIC GROWTH
Approaching
Approaching
Exceeds
Exceeds
Approaching
This page displays the performance indicator data for the middle school level For the 1-year report, calculations are based on 2024 state assessment results Multi-year reports include 2022 through 2024 results
Academic Achievement: mean scale scores represent outcomes for designated subjects and student groups; participation rates included on this page count parent excusals as non-participants Cut-scores for the CMAS Science metric were re-normed based on 2024 results
Academic Growth: median student growth percentiles and percentages of students on track to meet targets represent outcomes for designated subjects and student groups
For additional information regarding Academic Achievement and Academic Growth points, cut-points, and ratings, refer to the scoring guide at the end of this document. Additional resources are available at http://www.cde.state.co.us/accountability/accountability-resources
Multilingual Learners describes students that are Non-English Proficient (NEP), Limited English Proficient (LEP), and Fluent
Proficient (FEP) - Monitor Year 1, Monitor Year 2, Exited Year 1, & Exited Year 2
(*) Not Applicable; (-) No Reportable Data
Scoring Guide for 2024 District/School Performance Frameworks
7340: Riverdale Ridge High School | 0040: School District 27J
Improvement Plan
52.9/100 Points Earned
The performance framework evaluates district and school performance on Academic Achievement, Academic Growth, and Postsecondary & Workforce Readiness indicators The percentage of points earned across all indicators determines the final accreditation rating for a district or the final plan type for a school, which is displayed above The cut points for final ratings established by the State Board of Education are shown at the right of this page Failure to meet test participation, safety, and finance assurances may result in a rating being lowered by one level Refer to the scoring guide near the end of this report for more details on how ratings are determined
InsufficientStateData: No reportable achievement and growth data
Summary of Ratings by EMH Level
(-) No Reportable Data
*Under state accountability policy, 95% of students must participate in state assessments Students who are excused from testing by a parent or guardian do not impact the Accountability Participation Rate that is used to determine whether the overall rating is reduced by one level Districts or schools
total participation in ELA and Math receive a "Low Total Participation" descriptor to help readers when interpreting accountability data The descriptor does not impact framework calculations Multilingual Learners in their first year in the U S who were
2024 Final School Performance Framework
7340: Riverdale Ridge High School | 0040: School District 27J High School - (1 Year)
ACHIEVEMENT
ACADEMIC GROWTH
This page displays the performance indicator data for the high school level For the 1-year report, calculations are based on 2024 state assessment results Multi-year reports include 2022 through 2024 results
Academic Achievement: mean scale scores represent outcomes for designated subjects and student groups; participation rates included on this page count parent excusals as non-participants Cut-scores for the digital PSAT/SAT and CMAS Science metrics were re-normed based on 2024 results
Academic Growth: median student growth percentiles and percentages of students on track to meet targets represent outcomes for designated subjects and student groups
For additional information regarding Academic Achievement and Academic Growth points, cut-points, and ratings, refer to the scoring guide at the end of this document. Additional resources are available at http://www.cde.state.co.us/accountability/accountability-resources
Multilingual Learners describes students that are Non-English Proficient (NEP), Limited
1, Monitor Year 2, Exited Year 1, & Exited Year 2
Not Applicable; (-) No Reportable Data
(LEP), and Fluent
POSTSECONDARY AND WORKFORCE READINESS
2024 Final School Performance Framework
REFERENCE TABLE: DISAGGREGATED GRADUATION RATES
CO SAT: represent outcomes for designated subjects and student groups; participation rates count parent excusals as non-participants For the 1-year report, calculations are based on 2024 state assessment results Multi-year reports include 2022-2024 results Cut-scores were re-normed based on 2024 results
Dropout Rates: represent percentages of students enrolled in grades 7-12 for districts and 9-12 for schools at any time during the year who left and did not subsequently enroll in another Colorado school 1-Year calculations are based on the 2023 End of Year (EOY) data submission Multi-year reports include 2021 through 2023 records
Matriculation Rates: represent percentages of high school graduates with a qualifying credential, enrollment, or enlistment status in a Career & Technical Education (CTE) program, a 2- or 4-year institute of higher education, a branch of the military, or a postsecondary program Beginning in 2024, high school graduates who were enrolled in ASCENT, P-TECH, or TREP programs (i.e., Postsecondary Program) during their 5th year of high school count as successes. 1-Year calculations are based on the 2023 graduation cohort. Multi-year reports include 2021 through 2023 records.
Graduation Rates: represent percentages of students graduating high school within designated timeframes. Ratings are based on the best of the 4-, 5-, 6-, and 7-year graduation rates AYGs designate Anticipated Years of Graduation, which are defined as four years after the year that students initially enroll in 9th grade Calculations for 1-Year and Multi-Year reports are based on data for students with AYGs between 2020 and 2023
For additional information about ratings, refer to the scoring guide on the last page of this report. Additional resources are available at http://www.cde.state.co.us/accountability/accountability-resources Multilingual Learners describes students that are
Not Applicable; (-) No Reportable Data
7340: Riverdale Ridge High School | 0040: School District 27J
Scoring Guide for 2024 District/School Performance Frameworks
HIGHER EDUCATION
State of Colorado
FOUR YEAR INSTITUTIONS:
ADAMS STATE UNIVERSITY
719.587.7011
208 Edgemont Blvd. • Alamosa, 81101 www.adams.edu
COLORADO CHRISTIAN UNIVERSITY
303.963.3000 8787 W Alameda Ave. • Lakewood, 80226 www.ccu.edu
COLORADO COLLEGE
(719) 389-6344
14 E Cache La Poudre St. Colorado Springs, 80903 coloradocollege.edu/visit
COLORADO MESA
UNIVERSITY
970.248.1020
1100 North Ave. • Grand Junction, 81501 coloradomesa.edu
COLORADO SCHOOL OF MINES
303.273.3000
1500 Illinois St. • Golden, 80401 www.mines.edu
COLORADO STATE UNIVERSITY
(970) 491-5288
2545 Research Blvd. Fort Collins, CO 80526 www.colostate.edu
COLORADO STATE UNIVERSITY - PUEBLO
719.549.2100
SCHOOL
2200 Bonforte Blvd. • Pueblo, 81001 www.csupueblo.edu
COLORADO STATE UNIVERSITY GLOBAL
800.462.7845
585 Salida Way • Aurora, 80011 www.csuglobal.edu
COLORADO TECHNICAL UNIVERSITY
855.230.0555
1575 Garden of the Gods Rd. #100 Colorado Springs, 80907 www.coloradotech.edu
COLUMBIA COLLEGEDENVER
303.771.0176
15500 E. Centretech Pkwy. Aurora, 80011 www.ccis.edu
DEVRY UNIVERSITY
303.280.7400
1870 W 122nd Ave. Westminster, 80234 www.devry.edu
FORT LEWIS COLLEGE
877.352.2656
1000 Rim Dr. • Durango, 81301 www.fortlewis.edu
METROPOLITAN STATE UNIVERSITY OF DENVER
303.556.5740
890 Auraria Pkwy. • Denver, 80204 www.msudenver.edu
NAZARENE BIBLE COLLEGE
719.884.5000
2020 N Academy Blvd Suite 316 Colorado Springs, 80909 www.nbc.edu
NAROPA UNIVERSITY
303.444.0202
2130 Arapahoe Ave. • Boulder, 80302 www.naropa.edu
REGIS UNIVERSITY
800.388.2366
3333 Regis Blvd. • Denver, 80221 www.regis.edu
ROCKY MOUNTAIN COLLEGE OF ART & DESIGN
303.753.6046
1600 Pierce St. • Lakewood, 80214 www.rmcad.edu
UNITED STATES AIR FORCE ACADEMY
(719) 333-2025
2304 Cadet Dr, Suite 3100 Air Force Academy, CO 80840 www.usafa.edu
UNIVERSITY OF COLORADO BOULDER
303.492.1411
1125 18th St, Ste 221 • Boulder, 80309 www.colorado.edu
UNIVERSITY OF COLORADO - COLORADO SPRINGS
719.255.8227
1420 Austin Bluffs Pkwy Colorado Springs, 80918 www.uccs.edu
UNIVERSITY OF COLORADO - DENVER
303.315.5969
1201 Larimer St. • Denver, 80204 www.ucdenver.edu
UNIVERSITY OF DENVER
303.871.2000
2199 S University Blvd. • Denver, 80210 www.du.edu
UNIVERSITY OF NORTHERN COLORADO
970.351.1890
501 W 20th St. • Greeley, 80639 www.unco.edu
HIGHER EDUCATION
State of Colorado SCHOOL
FOUR YEAR
INSTITUTIONS Cont.
WESTERN COLORADO UNIVERSITY
970.943.2119
1 Western Way • Gunnison, 81231 www.western.edu
WILLIAM HOWARD TAFT UNIVERSITY
303.867.1155
1325 S Colorado Blvd Suite B-404, Denver, CO 80222 www.taft.edu
TWO YEAR INSTITUTIONS:
AIMS COMMUNITY COLLEGE
970.330.8008
5401 W. 20th St. • Greeley, 80634
260 College Ave. • Fort Lupton, 80621 104 E. Fourth Street • Loveland, 80537 1120 Southgate Dr. • Windsor, 80550 www.aims.edu
ARAPAHOE COMMUNITY COLLEGE
303.797.4222
5900 S. SantaFe Dr. • Littleton, 80120
4500 Limelight Ave. • Castle Rock, 80109 10035 Peoria St. • Parker, 80124 www.arapahoe.edu
COLORADO NORTHWESTERN COMMUNITY COLLEGE
(800) 562-1105
500 Kennedy Dr. • Rangely, 81648
2801 W 9th St • Craig, 81625 10035 Peoria St. • Parker, 80124 www.cncc.edu
COLORADO MOUNTAIN COLLEGE
970.945.8691
901 South Hwy 24 • Leadville, 80461
3000 County Road 114 • Glenwood Springs, 81601 1275 Crawford Avenue • Steamboat Springs, 80487
0255 Sage Way • Aspen, 81611
107 Denison Placer Rd. • Breckenridge, CO 80424
333 Fiedler Avenue • Dillon, CO 80435
690 Colorado Ave. • Carbondale, 81623
1402 Blake Ave. • Glenwood Springs, 81601
3695 Airport Rd. • Rifle, 81650
349 E 9th St. • Salida, CO 81201
150 Miller Ranch Rd. • Edwards, 81632 www.coloradomtn.edu
COMMUNITY COLLEGE OF AURORA
303.360.4700
710 Alton Way • Denver, 80230 www.ccaurora.edu
COMMUNITY COLLEGE OF DENVER (LOWRY CAMPUS)
(303) 365-8300
CCD Center for Health Sciences at, 1070 Alton Way, Lowry, CO 80230 www.ccd.edu
FRONT RANGE
COMMUNITY COLLEGE
303.404.5000
2190 Miller Dr. • Longmont, 80501 4616 S. Shields St. • Ft. Collins, 80526 3645 W. 112th Ave. • Westminster, 80031 www.frontrange.edu
LAMAR COMMUNITY COLLEGE
719.336.2248
2401 S Main St. • Lamar, CO 81052 www.lamarcc.edu
MORGAN COMMUNITY COLLEGE
970.542.3100
920 Barlow Rd. • Fort Morgan, 80701 www.morgancc.edu
NORTHEASTERN JUNIOR COLLEGE
970.521.6600
100 College Ave. • Sterling, 80751 www.njc.edu
OTERO COLLEGE
(719) 384-6800
1802 Colorado Ave. • La Junta, 81050 www.otero.edu
PIKES PEAK STATE COLLEGE
719.502.2000
5675 S Academy Blvd. Colorado Springs, 80906 www.pikespeak.edu
PUEBLO COMMUNITY COLLEGE
(719) 549-3200
900 W Orman Ave. • Pueblo, 81004
51320 W Hwy 50 • Canon City, 81212 33057 Hwy 160 • Mancos, 81328 www.pueblocc.edu
RED ROCKS COMMUNITY COLLEGE
303.914.6600
13300 W 6th Ave. • Lakewood, 80228 www.rrcc.edu
TRINIDAD STATE COLLEGE
719.846.5011
600 Prospect St. • Trinidad, 81082 1011 Main St. • Alamosa, 81101 www.trinidadstate.edu
COLORADO MESA UNIVERSITY TECH
970.255.2600
2508 Blichmann Ave. Grand Junction, 81505 www.coloradomesa.edu
Public Schools :
Middle Schools
Rodger Quist Middle School Distance 1.6 Miles
13451 Yosemite Street Thornton CO 80602
Telephone : (303) 655-6950
Lowest Grade : 6th
Kindergarten : No
High Schools
School District : School District 27j
Highest Grade : 8th
School Enrollment : Enrollment : 923
Total Expenditure/Student : 19
Riverdale Ridge High School
13380 Yosemite Street Thornton CO 80602
Telephone : (303) 655-6800
Lowest Grade : 9th
School District : School District 27j
Highest Grade : 12th
School Enrollment : Enrollment : 1463
Total Expenditure/Student : 19
Advanced Placement : No
NATURAL GAS: ATMOS
(866) 322-8667
WATER & SEWER:
TODD CREEK WATER (303) 637-0344
ELECTRICITY: UNITED POWER (303) 637-1300 HOA:
TODD CREEK ESTATES (773) 572-0880 $90
UTILITIES
PHONE SERVICE:
OOMA
(888) 711-6662 www.ooma.com
VOIPLY (Landline)
844-843-4175 www.voiply.com
PHONE AND INTERNET PROVIDERS:
ALLO FIBER
855.632.3154 allocommunications.com
AT&T
(800) 288-2747 att.com
CENTURY LINK
855.526.1062 centurylink.com
HUGHESNET (866) 963-2608 hughesnet.com
RISE BROADBAND (844) 816-9149 risebroadband.com
SPECTRUM
877-480-1322 spectrum.com
T-MOBILE
844.503.1423 t-mobile.com
VIASAT (855) 463-9333 viasat.com
XFINITY
800.934.6489 xfinity.com
NEXTLIGHT (Longmont) 303.774.4494 mynextlight.com
VERIZON
855.632.3154 allocommunications.com
VIAERO WIRELESS (government assistance program) 877-484-2376 www.viaero.com
SATELLITE & CABLE:
DIRECTV
855.897.4007 directv.com
DISH
844.221.5284 dish.com
XFINITY
800.934.6489 xfinity.com
SPECTRUM
877-480-1322 spectrum.com
RESIDENTIAL TRASH:
WASTE CONNECTIONS
844-708-7274 wasteconnections.com
WASTE MANAGEMENT
866.909.4458 wm.com
REPUBLIC SERVICES
877.692.9729 republicservices.com
5280 WASTE SOLUTIONS (720) 884-0300 • info@5280waste.com 5280waste.com
ALTITUDE WASTE SOLUTIONS
(Westminster, Adams County Unincorporated and Federal Heights) 303.487.1515 • altitudetrash.com
MOUNTAIN HIGH DISPOSAL (Aurora and Northern Colorado) 970.834.1144 mountainhighdisposal.com
MOUNTAIN WEST DISPOSAL (NoCo) 970.460.9842 mountainwestdisposal.com
HBS TRASH SERVICES (South Metro and SoCo) 720.547.8600 hbstrash.com
APEX WASTE SOLUTIONS (Metro and SoCo) apexwasteco.com
INFINITE DISPOSAL (Colorado Springs) 719.999.0500 infinitedisposal.com
CAREFREE DISPOSAL (Colorado Springs) 719.635.9999 carefreedisposal.com
SOCO WASTE (Colorado Springs) 719.357.8855 socowaste.com
UTILITIES
RESIDENTIAL TRASH cont:
WASTE SYSTEMS INC.
(Southern Colorado Springs) 719.390.5097 wastesysinc.com
ENERGY & GAS SERVICE:
ATMOS ENERGY
888.286.6700 atmosenergy.com
XCEL ENERGY
800.895.4999 xcelenergy.com
COLORADO NATURAL GAS
800-720-8193 coloradonaturalgas.com
BLACK HILLS ENERGY
888-890-5554 blackhillsenergy.com
COLORADO SPRINGS UTILITIES
(719) 448-4800 or (888) 278-6847 www.csu.org SOLAR PROVIDERS: INDEPENDENT POWER
720.741.7245 solarips.com
NAMASTE SOLAR
303.447.0300 namastesolar.com
APOLLO ENERGY
720.582.8258 harnessoursun.com
COMPLETE ENERGY SOLUTIONS (Arvada)
888.947.8626 densolar.com
SUNRUN
(Denver Metro)
720.464.6104 sunrun.com
CASCADE SOLAR & ELECTRIC
303.928.4123 cascadese.com
ROCKY MOUNTAIN SOLAR SERVICES (Denver Metro)
303.731.4098
GO GREEN ELECTRIC INC
303.731.5198 gogreenelectricinc.com
SMART WAVE SOLAR
(Denver Metro) smartwavesolar.com
BLUE RAVEN SOLAR
385.489.5552 blueravensolar.com
ENERGY ADVANTAGE ROOFING & SOLAR
720.306.9600
yourenergyadvantage.com/colorado
ION SOLAR ionsolar.com/colorado
COMPLETE ENERGY SOLUTIONS (Arvada)
888.947.8626 densolar.com
SOLAR POWER PROS
303.797.6527 solarpowerpros.com
Count on First American Title.
Count on us for service.
First American Title’s professionals are proud to provide the title insurance that assures people’s home ownership. Backed by First American Title Insurance Company, your transaction will be expertly completed in accordance with state-specific underwriting standards and state and federal regulatory requirements.
Count on us for stability.
First American Title is the principal subsidiary of First American Financial Corporation, and one of the largest suppliers of title insurance services in the nation. With roots dating back to 1889, we’ve served families for generations.
Count on us for convenience.
First American Title has a direct office or agent near you. We also have an extensive network of offices and agents throughout the United States, and internationally.
Count on us to meet your needs.
First American Financial Corporation offers more than title insurance and escrow services through its subsidiaries. Our subsidiaries also provide property data, title plant records and images, home warranties, property and casualty insurance, and banking, trust and advisory services.
Scan the QR code to learn more about your local First American Title.
Benefits of using a professional REALTOR®.
Congratulations on your decision to buy a home! It’s a challenging project, and there are many ways a professional can help. Here are some of the many ways you may benefit from working with a REALTOR®:
Many more home choices.
Your REALTOR® has thousands of homes to choose from through the Multiple Listing Service (MLS), so you’re more likely to find the home that’s just right for you and find it quicker. In fact, a majority of the homes for sale are listed by REALTORS® and aren’t available to you unless you are working with a REALTOR®
A number of transactions “fall out.”
Unfortunately, it’s true. Some transactions fall apart before closing. An experienced REALTOR® may be able to resolve problems and see your transaction through to a successful closing.
Knowledge of new home subdivisions.
New home subdivisions will welcome you and your REALTOR®. If you’re interested in buying a new home, take your agent with you on your first visit to each subdivision. Your professional REALTOR® is an important source of information who can supply background on the builder, nearby subdivisions, and the local community.
It’s a major investment.
You use a professional for your legal, financial and health needs. Why gamble on what may be your biggest investment without a professional at your side?
Help with FSBO’s.
If you consider a “For Sale By Owner,” take your REALTOR® along to help negotiate the contract.
There is less liability.
You may have more protection from legal and financial liability, especially as real estate transactions become more complicated.
The paperwork.
Your experienced REALTOR® will negotiate and prepare the purchase contract for you and assist you throughout the escrow process.
Key professionals involved in your transaction.
REALTOR®
A REALTOR® is a licensed real estate agent and a member of the National Association of REALTORS®, a real estate trade association. REALTORS® also belong to their state and local Association of REALTORS®
Real Estate Agent
A real estate agent is licensed by the state to represent parties in the transfer of property. Every REALTOR® is a real estate agent, but not every real estate agent has the professional designation of a REALTORS®
Listing Agent
A key role of the listing agent or broker is to form a legal relationship with the homeowner to sell the property and place the property in the Multiple Listing Service.
Buyer’s Agent
A key role of the buyer’s agent or broker is to work with the buyer to locate a suitable property and negotiate a successful home purchase.
Multiple Listing Service (MLS)
The MLS is a database of properties listed for sale by REALTORS® who are members of the local Association of REALTORS®. Information on an MLS property is available to thousands of REALTORS®.
Title Company
These are the people who carry out the title search and examination, work with you to eliminate the title exceptions you are not willing to take subject to, and provide the policy of title insurance regarding title to the real property.
Escrow Officer
An escrow officer leads the facilitation of your escrow, including escrow instructions preparation, document preparation, funds disbursement, and more.
Your escrow professional may:
Open escrow and, if instructed to do so, deposit your good faith funds in a separate escrow account.
Order a title search to determine ownership and status of the subject real property.
Issue a preliminary report and begin the process of eliminating the title exceptions you and your lender are not willing to take title subject to.
Request payoff information for the seller’s loans, other liens, homeowner’s association fees, etc.
Coordinate with the buyer’s lender on the preparation of the Closing Disclosure (CD).
Prorate fees, such as real property taxes, per the contract, and prepare the settlement statement.
Set separate appointments allowing the seller and you to sign documents and deposit funds.
Review documents ensuring all conditions and legal requirements are fulfilled; request funds from lender.
When all funds are deposited, record documents with the County Recorder’s Office to transfer the subject real property to you.
After the recordation is confirmed, close escrow and disburse\funds, including seller’s proceeds, loan payoffs, etc.
Prepare and send final documents to all parties involved.
Terms you should know.
Appraisal
An estimate of value of property resulting from analysis of facts about the property; an opinion of value.
Annual Percentage Rate (APR)
The borrower’s costs of the loan term expressed as a rate. This is not their interest rate.
Beneficiary
The recipient of benefits, often from a deed of trust; usually the lender.
Closing Disclosure (CD)
Closing Disclosure form designed to provide disclosures that will be helpful to borrowers in understanding all of the costs of the transaction. This form will be given to the consumer three (3) business days before closing.
Close of Escrow
Generally the date the buyer becomes the legal owner and title insurance becomes effective.
Comparable Sales
Sales that have similar characteristics as the subject real property, used for analysis in the appraisal. Commonly called “comps.”
Consummation
Occurs when the borrower becomes contractually obligated to the creditor on the loan, not, for example, when the borrower becomes contractually obligated to a seller on a real estate transaction. The point in time when a borrower becomes contractually obligated to the creditor on the loan depends on applicable State law. Consummation is not the same as close of escrow or settlement.
Deed of Trust
An instrument used in many states in place of a mortgage.
Deed Restrictions
Limitations in the deed to a parcel of real property that dictate certain uses that may or may not be made of the real property.
Disbursement Date
The date the amounts are to be disbursed to a buyer and seller in a purchase transaction or the date funds are to be paid to the borrower or a third party in a transaction that is not a purchase transaction.
Earnest Money Deposit
Down payment made by a purchaser of real property as evidence of good faith; a deposit or partial payment.
Easement
A right, privilege or interest limited to a specific purpose that one party has in the land of another.
Endorsement
As to a title insurance policy, a rider or attachment forming a part of the insurance policy expanding or limiting coverage.
Hazard Insurance
Real estate insurance protecting against fire, some natural causes, vandalism, etc., depending upon the policy. Buyer often adds liability insurance and extended coverage for personal property.
Impounds
A trust type of account established by lenders for the accumulation of borrower’s funds to meet periodic payments of taxes, mortgage insurance premiums and/or future insurance policy premiums, required to protect their security.
Legal Description
A description of land recognized by law, based on government surveys, spelling out the exact boundaries of the entire parcel of land. It should so thoroughly identify a parcel of land that it cannot be confused with any other.
Lien
A form of encumbrance that usually makes a specific parcel of real property the security for the payment of a debt or discharge of an obligation. For example, judgments, taxes, mortgages, deeds of trust.
Loan Estimate (LE)
Form designed to provide disclosures that will be helpful to borrowers in understanding the key features, costs and risks of the mortgage loan for which they are applying. Initial disclosure to be given to the borrower three (3) business days after application.
Mortgage
The instrument by which real property is pledged as security for repayment of a loan.
PITI
A payment that includes principal, interest, taxes, and Insurance.
Power of Attorney
A written instrument whereby a principal gives authority to an agent. The agent acting under such a grant is sometimes called an “Attorney-in-Fact.”
Recording
Filing documents affecting real property with the appropriate government agency as a matter of public record.
Settlement statement
Provides a complete breakdown of costs involved in a real estate transaction.
TRID
TILA-RESPA Integrated Disclosures
Planning to sell.
A homeowner’s checklist to prepare your home.
So you’re planning to sell your home. You and your real estate broker have decided on a price, based on current market values, but your home may sell faster and bring a higher price if it shows well. Potential buyers will get the best impression if your home is clean, neat, uncluttered, in good repair, light, airy, fragrant, and quiet. This checklist will help you get your home ready to show.
Clean everything in you home.
Cleanliness signals to a buyer that the home has been well cared for and is most likely in good repair. A messy or dirty home will cause prospective buyers to notice every flaw.
Let the fresh air in.
Get rid of odors that may be unfamiliar or unpleasant. People are most often offended by odors from tobacco, pets, cooking, and musty or sour laundry. Fresh flowers and potpourri can be used to your advantage. Other smells that attract positive attention include fresh baked bread and cinnamon.
Painting your home.
There’s nothing that improves the value of a home for a lower cost than a fresh coat of paint. And it’s so often easier to paint a room than it is to scrub it. Stick with neutral colors - off-white is the safest. Be sure to avoid black, violet, and pink.
Keep the noise down.
Silence is a restful sound that offends no one. Turn off the TV and radio. Soft instrumental music is fine but avoid vocals. If necessary, close the windows to eliminate any street noise.
Unclutter your home before you show it.
Have a garage sale. Empty closets. Throw away what you can’t sell. The less “stuff” in and around a home, the roomier it will seem.
Fix anything that is broken.
This includes plumbing, electrical systems, switches, windows, TV antennas, screens, doors, and fences; if it can’t be fixed, replace it or get rid of it (no window screens are better than broken ones). A buyer will make a much lower offer if your house is in disrepair and will probably still insist that everything be fixed before taking occupancy. You’re better off if you leave potential buyers no reason to offer less than you are asking.
Send your pets away.
Send them away or secure them away from the house when prospective buyers are coming. You never know if people will be annoyed or intimidated by your pets or even allergic to them. And you never want a prospective buyer to have to avoid animal droppings.
Send the kids to Grandma’s.
Send them to Grandma’s or take them on a walk around the block. Children can be noisy and distracting to someone interested in looking at a home.
Make a great impression.
“Home
staging is no longer optional in this real estate market, it’s a must.”
- Barbara Corcoran
Staging Tips
Grab them from the Curb
Make It Sparkle
Pay Attention to Color and Light
Depersonalize
Spruce Up Your Curb Appeal
Clean, Clean, Clean
Declutter
Neutralize
Remove All Big Clunky Furniture
Consider Replacing Furnishings
Invest in New Artwork
Make Repairs
Apply a Fresh Coat of Paint
Don’t Forget the Floors Spring for New Light Fixtures
Don’t Take it Personally
Don’t Do Major Renovations
Don’t Think the House Will Sell Itself
Don’t Run Out and Purchase All
New Furniture
Don’t Be Afraid to Ask For Help
Top 5 Dos
Top 5 Don’ts
This checklist will help you get your home ready to show.
Exterior
Clean around service areas/trash cans
Haul away rubbish
Straighten woodpile
Repair leaky faucets
Clean up pet droppings
Paint or varnish doors
Polish door hardware
Make sure doorbell/knocker works
Paint or replace street numbers on house
Make sure septic tank is odor free
Clean oil stains from driveway/street
Patch/reseal driveway if necessary
Replace, repair, and/or paint any damages:
Plaster
Wood siding
Trim
Rain gutters
Shutters
Doors
Window frames
Glazing
Screens
Hardware
Fences/gates
Outdoor lighting
Landscaping
Mow/edge lawn regularly
Aerate/feed lawn
Overseed bare spots in lawn
Water lawn regularly
Remove/replace dead plants
Prune overgrown/diseased/damaged shrubs
Prune or remove shrubs/trees blocking view from windows (unless view is undesirable)
Stake up any sagging trees/shrubs
Keep flower beds free of weeds
Trim around base of trees/walls/fences
Repair or remove any broken or damaged
landscape accessories such as:
Fences
Walls gazebos
Fountains
Trellises
Planters
Other
Replace any broken stepping stones
Adjust any sprinkler system; repair any broken/leaky heads
Install fences or shrubs to hide any unsightly views
Clean/Wash
Siding
Windows
Screen
Outdoor BBQ
AC unit
Pool/Spa
Put Light Bulbs In
Porch lights
Carport Garage
Closets
Keep closets clean and free of clutter
Throw out or pack away non-essentials
Adjust/repair sliding doors
Lubricate sliding door hardware
Paint, if needed
All Rooms, Clean especially around:
Doors
Windows
Light switches
Baseboards
Chair rails
Wash lace curtains and have draperies
cleaned if necessary
Remove or pull back dark curtains
Lubricate window slides (soap for wood
silicon or a candle stump for metal)
Make sure doors open smoothly
Clean ceiling light fixtures
Check for cobwebs in all corners
Fix any scratches in wooden floors
Replace worn/broken flooring
Remove or replace worn carpet
Use area rugs where needed
Empty wastebaskets
Make the beds
Fluff the pillows
Kitchen
Keep dishes and food out of sight
Clean appliances
Clean range hood, including light bulbs
Clean behind appliances
Keep floor clean
Clean light fixture
Make sure all electrical outlets work
Eliminate cooking odors
Deodorize garbage disposal, dishwasher, and refrigerator
Repair faucets
Put fresh shelf paper in cabinets
Organize cupboards
Clean out under sink
Replace garbage disposal gasket to reduce noise
Bathroom, Keep them spotlessly clean:
Shine mirrors
Keep wastebaskets empty and clean
Clean out cabinets and remove nonessentials
Keep fresh, clean towels on towel racks
Clean shower door – if sliding door, keep track well lubricated
Remove soap residue, mildew and mold from sink/tub/shower
Remove stains from porcelain sink tub toilet
Replace torn/moldy shower curtain
Bathroom (continued)
Clean tile grout
Make sure toilet flushes properly –replace mechanism if necessary
Clean exhaust fan/heater – replace if broken or noisy
Garage/Carport/Shed
Install 100-watt light bulb
Keep area clean/uncluttered
Hang up/put away tools
Clear away any cobwebs
Remove oil/paint stains from floor
Adjust tension rod to eliminate sag from overhead garage door
Lubricate/adjust/repair garage door opener
Paint if needed
Laundry Area
Clean out area behind washer/dryer
Eliminate any mildew odors
Basement
Eliminate any signs of dampness
Check for and eliminate cracks
Heating/Air Conditioning Unit
Vacuum
Replace filter
Clean intake vent
Remove any stored items
Make sure the temperature in your home is comfortable – keep it cooler in the summer and warmer in the winter. If it’s cooler outside and you have a fireplace, a nice fire will make your home seem cozy and inviting.
Provide an exhaustive written list of the features of your home.
Know the distance to schools and shopping centers.
Refer any prospect that calls or comes by to your broker for pre-screening and pre-qualification as well as for your own safety.
Tell your real estate agent all about the home-good and bad. Let the professional decide how to handle negatives and features or highlight the positives.
The life of an escrow.
Chooses a Real Estate Agent
Gets pre-approval letter from Lender and provides to Real Estate Agent.
Makes offer to purchase. Upon acceptance, opens escrow and deposits earnest money.
Finalizes loan application with Lender. Receives a Loan Estimate from Lender.
Completes and returns opening package from First American Title.
Schedules inspections and evaluates findings. Reviews title commitment/preliminary report.
Provides all requested paperwork to Lender (bank statements, tax returns, etc.) All invoices and final approvals should be to the lender no later than 10 days prior to loan consummation.
Lender (or Escrow Officer) prepares CD and delivers to Buyer at least 3 days prior to loan consummation.
Escrow officer or real estate agent contacts the buyer to schedule signing appointment.
Buyer consummates loan, executes settlement documents, & deposits funds via wire transfer.
Documents are recorded and the keys are delivered!
Accepts Buyer’s offer to purchase.
Completes and returns opening package from First American Title, including information such as forwarding address, payoff lender contact information and loan numbers.
Orders any work for inspections and/or repairs to be done as required by the purchase agreement.
Escrow officer or real estate agent contacts the seller to schedule signing appointment.
Documents are recorded and all proceeds from sale are received.
Upon receipt of order and earnest money deposit, orders title examination.
Requests necessary information from buyers and sellers via opening packages.
Reviews title commitment/ preliminary report.
Upon receipt of opening packages, orders demands for payoffs. Contacts buyer or seller when additional information is required for the title commitment/ preliminary report.
All demands, invoices, and fees must be collected and sent to lender at least 10 days prior to loan consummation.
Coordinates with lender on the preparation of the CD.
Reviews all documents, demands, and instructions and prepares settlement statements and any other required documents.
Schedules signing appointment and informs buyer of funds due at settlement.
Once loan is consummated, sends funding package to lender for review.
Prepares recording instructions and submits docs for recording.
Documents are recorded and funds are disbursed. Issues final settlement statement.
Accepts Buyer’s application and begins the qualification process. Provides Buyer with Loan Estimate.
Orders and reviews title commitment / preliminary report, property appraisal, credit report, employment and funds verification.
Collects information such as title commitment / preliminary report, appraisal, credit report, employment and funds verification. Reviews and requests additional information for final loan approval.
Underwriting reviews loan package for approval.
Coordinates with Escrow Officer on the preparation of the Closing Disclosure, which is delivered to Buyer at least 3 days prior to loan consummation.
Delivers loan documents to escrow.
Upon review of signed loan documents, authorizes loan funding.
The Buyer
The Escrow Officer
Chooses a Real Estate Agent
The Seller
The Lender
The Closing Process
We know the home buying process can be confusing. Let’s walk through a brief explanation of what happens after you sign the contract.
The signed contract and earnest money are delivered to the settlement agent (note: the title company often acts as the settlement agent). Now the title order begins and information such as taxes, loan payoffs, lien search, and other information is collected.
The title search will determine the legal owner of the property and any outstanding liens and/or assessments. This search is critical to making sure the property will transfer legally to the buyer.
Over the next few weeks the following will occur: inspections, repairs (if necessary), payoffs obtained from current lenders, HOA’s, lienholders, ect, and loan document preparation. It is important the buyers and sellers are responsive to requests for paperwork and information.
Once the invoices, payoffs, statements, and loan documents are received, the settlement statement is prepared. This document includes the closing calculations and is used to inform the buyer and seller of their bottom line figures.
The closing paperwork must then be signed by the buyer and the seller. This will include documents such as the deed, settlement statement, loan documents (if applicable), and others.
All payees, including the seller, payoff lenders, real estate professionals, and others are paid according to the settlement statement.
The final documents, including the deed and loan instrument, are sent to the county recorder’s office for recordation. After recording, the deed will be sent to the buyer. The title insurance policy is sent to the buyer and the lender.
Understanding title insurance.
The title industry and title insurance in brief.
Prior to the development of the title industry in the late 1800s, a home-buyer received a grantor’s warranty, attorney’s title opinion, or abstractor’s certificate as assurance of home ownership. The buyer relied on the financial integrity of the grantor, attorney, or abstractor for protection. Today, homebuyers look primarily to title insurance to provide this protection. Title insurance companies are regulated by state statute. They are required to post financial guarantees to ensure that any claims will be paid in a timely fashion. They also must maintain their own “title plants” which house duplicates of recorded deeds, mortgages, plats, and other pertinent county property records.
What is title insurance?
Title insurance provides coverage for certain losses due to defects in the title that, for the most part, occurred prior to your ownership. Title insurance protects against defects such as prior fraud or forgery that might go undetected until after closing and possibly jeopardize your ownership and investment.
Why is title insurance needed?
Title insurance insures buyers against the risk that they did not acquire marketable title from the seller. It is primarily designed to reduce risk or loss caused by defects in title from the past. A loan policy of title insurance protects the interest of the mortgage lender, while an owner’s policy protects the equity of you, the buyer, for as long as you or your heirs (in certain policies) own the real property.
When is the premium due?
You pay for your owner’s title insurance policy only once, at the close of escrow. Who pays for the owner’s policy and loan policy varies depending on local customs.
How title insurance differs.
Unlike other forms of insurance, title insurance emphasizes loss prevention for the insured. Title professionals perform labor-intensive work to find and address title issues that could threaten your homeownership. This upfront analysis gives you, as a policy holder, the peace of mind that your title risk has been effectively reduced. In contrast, insurance based on loss assumption (such as auto or property and casualty insurance) requires little upfront work because claims cannot be predicted or prevented, and premium funds are needed only in the event of an accident or other covered issue. These types of insurance also require annual coverage payments, unlike title insurance which is paid for only once upon the purchase of your home or establishment of a new mortgage.
The importance of title protection.
There are many title issues that could cause you to lose your real property or your mortgage investment. Even the most careful search of public records may not disclose the most dangerous threat: hidden risks. These issues may not be uncovered until years later. Without title insurance from a reputable and financially solvent company, the ownership of your home could be jeopardized.
Here are some examples of title issues that may occur:
Deeds by persons supposedly single, but secretly married.
Deeds in lieu of foreclosure given under duress
Marital rights of spouse purportedly, but not legally, divorced.
Impersonation of the true owner of the land.
Deeds by minors.
Deeds by persons of unsound mind.
Deeds to or from defunct corporations.
Defective acknowledgments by notaries.
Duress in execution of instruments.
Erroneous reports furnished by tax officials.
Forged deeds, releases, etc.
Mistakes in recording legal documents.
Surviving children omitted from will.
Administration of estate of persons absent but not deceased.
Birth or adoption of children after date of will.
Claims of creditors against real property sold by heirs or devisees.
Deed of community property recited to be separate property.
Deeds by foreign parties.
Seller’s Checklist
Prior to Closing:
Provide title company with current loan information so a payoff statement can be ordered from your lender. You will need to provide your Social Security Number and you may be required to sign a form authorizing your lender to provide the payoff to First American Title.
Complete a Confidential Information Statement if you have a common surname. Provide documentation of any change in marital status (divorce, marriage, death) during current ownership. If the property is inherited we will need a copy of the probated will.
Have your Power of Attorney approved prior to closing in the event you will not be present to sign documents.
Required at Closing:
Driver’s License Social Security Number
Bring extra house keys, garage door openers, warranties or operational manuals for appliances (heating, AC, stove, etc.) or let your real estate professional know where in the house they are located.
Avoiding Closing Delays:
Lenders and title insurers may require single owners who have married to have their spouse sign paperwork or a deed at closing. Discuss this with your escrow officer early in the transaction. The Confidential Information Statement should be completed and returned promptly. It will help clarify the identity of the actual person or persons named on judgments in the title search.
After Closing:
Cancel your homeowner’s insurance if you are moving from the property at closing. If you are remaining at the property after closing, you should notify your agent of this change.
Make sure your lender has your forwarding address. The lender will refund monies left in your escrow/impound account and send final paperwork regarding the paid loan.
Keep your final settlement statement with tax documents. You will need it when filing taxes.
Moving Address Change Checklist
Here’s a list of people, businesses and organizations who will need to know you’ve moved to a new location.
The Essentials:
Request a “Change of Address” form at a USPS post office
Friends and family
Financial Institutions:
Banks and credit unions
Credit card companies (including department store cards)
Lenders (mortgage, home equity, auto, student loan)
Insurance companies (health, renters, auto, home, medical, dental, disability, life)
Retirement (pension plans, 401K, retirement accounts, Social Security, Veterans Affairs)
Investments (investment agencies and brokers)
Utilities:
Phone services (cellular, land line)
Electric
Heating Oils (gas, oil, propane or other fuels)
Water (water delivery, water treatment)
Sewer
Waste Disposal
Internet (land line, wi-fi and satellite)
Television (cable or satellite TV)
Government Offices:
Department of Motor Vehicles
IRS
Passport Office
Veteran Affairs
Unemployment Office (if you are currently receiving unemployment benefits)
Jobs:
Notify the Human Resources department
Update your personal marketing materials (business cards, websites, resumes)
Employment agencies (temp agencies and recruiters)
Professional Memberships (licensing and certification boards)
Past employers (for W-2)
Health:
Physicians (doctors, dentists, optometrists, etc.)
Pharmacies
Health insurers (HMOs, DMOs, agencies and brokers)
Service Providers:
Cable company
Phone company
Housecleaning services
Delivery services
Accountants
Childcare (day-care center, baby sitters)
Lawn care service
Veterinarian (including pet groomer, pet sitters, and microchip service)
Pool services
Lawyers
Automobile:
Auto insurers (insurance agencies and brokers)
Auto lenders (car dealership, bank or loan place)
Department of Motor Vehicles (changing your vehicle registration)
Membership clubs (AAA or similar)
Parking permits
Warranty (if a car warranty is still in place)
Toll pass (Fast Lane, EZ Pass)
Memberships:
House of worship (churches, synagogues, mosques)
Health clubs
Community groups (PTA, neighborhood associations, civic clubs)
Children’s extracurricular activities (dance classes, music lessons, sport clubs)
Social clubs, community centers
Subscriptions:
Newspapers
Magazines (The USPS will only forward magazine subscriptions for two months)
Movie subscriptions (streaming services or other)
Book and music clubs
Mail order houses
Other:
Air miles reward program
Register to vote!
Update personal websites
Children’s schools