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Subject Property : 2796 S Jebel Way Aurora CO 80013
Owner Information
Owner Name : Ryan Cleveland / Cleveland Erica
Mailing Address : 2796 S Jebel Way, Aurora CO 80013-9004 C082
Owner Occupied Indicator : O
Location Information
Legal Description : Lot 10 Blk 43 The Conservatory Sub 1st Flg
County : Arapahoe, Co
Census Tract / Block : 830.00 / 2
Township-Range- Sect : 04S-66W-35
Legal Book/Page : 204-44
Legal Lot : 10
Alternate APN : 034260111
Subdivision : The Conservatory Sub 1st Flg
Map Reference : / 1975-35-2
School District : Adams-arapahoe 28j
Munic/Township : Re & Pp
Legal Block : 43 Neighbor Code : 0596
APN : 1975-35-2-05-010
Last Market Sale Information
Recording/Sale Date : 09/21/2021 / 09/16/2021
Sale Price : $610,000
1st Mtg Amount/Type : $596,850 / Va
1st Mtg Document # : E1147135
Document # : E1147134 1st Mtg Term : 30
Deed Type : Special Warranty Deed
Title Company : Heritage Title Co.
Lender : Fairway Independent Mtg Corp
Seller Name : Nall Anthony & Breanne
Prior Sale Information
Prior Rec/Sale Date : 03/15/2019 / 03/15/2019
Prior Sale Price : $490,000
Prior Doc Number : D9021931
Price Per SqFt : $214.26
Prior Deed Type : Warranty Deed
Prior 1st Mtg Amt/Type : $490,000 / Va
Customer Name : De Anna Harwood
Customer Company Name : First American Title Prepared On : 07/10/2025
Property Characteristics
Gross Area : 3,350
Living Area : 2,847
Above Grade : 1947
Bedrooms : 5
Bath(F/H) : 3
Fireplace : Y / 1
Year Built / Eff : 2007 / 2010
# of Stories : 1
Parking Type : Attached Garage
Property Information
Garage Area : 484
Parking Spaces : 2
Basement Area : 919
Finish Bsmnt Area : FINISHED
Cooling Type : Forced Air
Exterior wall : Wood Siding
Interior Wall : Drywall
Porch Type : Covered Porch
Basement Type : Partial Finished Patio Type : Patio/terrace
Roof Type : Hip
Air Cond : Central
Foundation : Concrete Style : Ranch
Roof Material : Asphalt Shingle Quality : Good
Heat Type : Forced Air
Land Use : Sfr Lot Acres : 0.23
County Use : Single Family Resid
Tax Information
10,019
Condition : Average
Water Influence : Neighborhood
Use : ( D )
Rec. Date : 09/21/2021 03/15/2019 11/21/2007 10/03/2001
Sale Date : 09/16/2021 03/15/2019 11/21/2007 10/02/2001 Sale Price :
Rec.Doc.No : E1147134 D9021931 B7147917 B1168691
Doc. Type :
Sale Price Type :
Buyer : Cleveland Ryan & Erica Nall Anthony & Breanne Ayon Anthony & Danielle Kdb Homes Inc
Seller : Nall Anthony & Breanne Ayon Anthony D & Danielle Kdb Homes Inc Adm San-7353 Llc
Company :
Other Doc No :
1st Mortgage Details
Mtg. Date : 09/21/2021 01/21/2020 03/15/2019 11/14/2012
Mtg. Amt : $596,850 $484,300 $490,000 $225,800
Mtg. Doc. No : E1147135 E0008337 D9021932 D2131122
Doc. Type : DEED OF TRUST DEED OF TRUST DEED OF TRUST DEED OF TRUST
Loan Type : VA VA VA CONVENTIONAL
Mtg. Rate Type :
Mtg. Term : 30 Years 30 Years 30 Years 20 Years
Mtg. Rate :
Lender : Fairway Independent Mtg Corp Us Wide Fin'l Llc Us Wide Fin'l Llc Peoples Bk
Borrower 1 : Cleveland Ryan Nall Anthony Nall Anthony Ayon Anthony
Borrower 2 : Cleveland Erica Nall Breanne Nall Breanne Ayon Danielle
Borrower 3 :
Borrower 4 :
Mtg. Date : 09/07/2010 11/21/2007
Mtg. Amt : $226,079 $232,000
Mtg. Doc. No : D0087481 B7147919
Doc. Type : DEED OF TRUST DEED OF TRUST
Loan Type : CONVENTIONAL CONVENTIONAL
Mtg. Rate Type :
Mtg. Term : 30 Years 30 Years
Mtg. Rate :
Lender : Wells Fargo Bk Na Dhi Mtg Co Ltd
Borrower 1 : Ayon Anthony Ayon Anthony
Borrower 2 : Ayon Danielle Ayon Danielle
Borrower 3 :
Borrower 4 :
Name : De Anna Harwood
Company Name : First American Title Prepared On : 07/10/2025
2786 S JEBEL WAY Distance 0.04 Miles
Owner Name : Hudgens Travis Scott
Sale Date : 08/02/2018
Subdivision : The Conservatory Sub 1st Flg
Recording Date : 08/06/2018
Total Value : $664,400 Sale Price : $427,800
Bed / Bath : 1 / 3
Land Use : Sfr
Stories : 1
Tax : $5,613.93
Acres : 0.24
Area : 2,842 Yr Blt / Eff Yr Blt : 2007 / 2010
1975-35-2-05-008
2835 S JEBEL WAY Distance 0.05 Miles
Owner Name : Bennett Christopher
Sale Date : 06/20/2025
Total Value : $697,700
Bed / Bath : 4 / 4
Land Use : Sfr
Stories : 2
Subdivision : The Conservatory Sub 1st Flg
Recording Date : 06/25/2025
Price : $590,000
Tax : $5,920.66
Acres : 0.16
Area : 3,239 Yr Blt / Eff Yr Blt : 2009 / 2012
1975-35-2-04-010
2855 S LISBON WAY Distance 0.1 Miles
Owner Name : Flynn Bridget
Sale Date : 08/22/2023
Total Value : $695,000
Bed / Bath : 4 / 3
Land Use : Sfr
Stories : 2
Subdivision : The Conservatory Sub 1st Flg
Recording Date : 08/25/2023
Price : $316,000
Tax : $5,895.78
Acres : 0.18
Area : 2,793
Yr Blt / Eff Yr Blt : 2015 / 2015 APN : 1975-35-2-20-014
Customer Name : De Anna Harwood Customer Company Name : First American Title Prepared On : 07/10/2025
2867 S LISBON WAY
Owner Name : Long Rachel E
Sale Date : 08/18/2022
0.11 Miles
Subdivision : The Conservatory Sub 1st Flg
Recording Date : 08/22/2022
Total Value : $700,600 Sale Price : $685,000
Bed / Bath : 2 / 3
Land Use : Sfr
Stories : 1
Yr Blt / Eff Yr Blt : 2015 / 2015
Tax : $5,947.36
Acres : 0.19
Area : 3,646
1975-35-2-20-015
2785 S LISBON WAY Distance 0.13 Miles
Owner Name : Singleton Justin D
Sale Date : 05/27/2025
Total Value : $705,100
Bed / Bath : 4 / 5
Land Use : Sfr
Stories : 2
Subdivision : The Conservatory Sub 1st Flg
Recording Date : 05/29/2025
Price : $730,000
Tax : $5,988.87
Acres : 0.22
Area : 2,965 Yr Blt / Eff Yr Blt : 2011 / 2016 APN : 1975-35-2-20-006
2797 S LISBON WAY Distance 0.13 Miles
Owner Name : Clark Katelyn Maurine
Sale Date : 03/31/2023
Total Value : $646,100
Bed / Bath : 3 / 3
Land Use : Sfr
Subdivision : The Conservatory Sub 1st Flg
Recording Date : 03/31/2023
Price : $675,000
Tax : $5,445.33
Acres : 0.22
Stories : 2 Living Area : 2,245
Yr Blt / Eff Yr Blt : 2012 / 2012 APN : 1975-35-2-20-007 Customer Name : De Anna Harwood Customer Company Name : First American Title Prepared On : 07/10/2025
2721 S IRELAND WAY Distance 0.14 Miles
Owner Name : Kola Babu
Sale Date : 02/13/2020
Subdivision : The Conservatory Sub 1st Flg
Recording Date : 02/18/2020
Total Value : $640,800 Sale Price : $425,000
Bed / Bath : 2 / 3
Land Use : Sfr
Stories : 1
Blt / Eff Yr Blt : 2006 / 2006
Tax : $5,396.52
Acres : 0.14
Area : 2,765
1975-26-3-11-002
2723 S IRELAND WAY Distance 0.14 Miles
Owner Name : Smith Charles R
Sale Date : 04/24/2012
Subdivision : The Conservatory Sub 1st Flg
Recording Date : 04/26/2012
Total Value : $689,300 Sale Price : $279,900
Bed / Bath : 1 / 3
Land Use : Sfr
Stories : 1
Blt / Eff Yr Blt : 2006 / 2006
Tax : $4,922.18
Acres : 0.14
Area : 3,350
1975-26-3-11-003
2733 S IRELAND WAY Distance 0.14 Miles
Owner Name : Caywood Brian R
Sale Date : 06/01/2007
Total Value : $693,000
Bed / Bath : 1 / 3
Land Use : Sfr
Stories : 1
Subdivision : The Conservatory Sub 1st Flg
Recording Date : 06/04/2007
Price : $325,000
Tax : $4,956.28
Acres : 0.17
Area : 3,062 Yr Blt / Eff Yr Blt : 2006 / 2006
1975-26-3-11-005
Customer Name : De Anna Harwood Customer Company Name : First American Title Prepared On : 07/10/2025
Census Tract / block: 830.00 / 2 Year: 2020
County: ARAPAHOE
Violent Crime (Ratio)
Non Violent Crime (Ratio) Burglary
This week the median list price for Aurora, CO 80013 is $509,950 with the market action index hovering around 38. This is less than last month's market action index of 39 Inventory has held steady at or around 190
This answers “How’s the Market?” by comparing rate of sales versus inventory
Price of New Listings
Days on
The market has started cooling and prices have been flat for several weeks Since we’re in the Seller’s zone, watch for changes in MAI. If the MAI resumes its climb, prices will likely follow suit If the MAI drops consistently or falls into the Buyer’s zone, watch for downward pressure on prices
Each segment below represents approximately 25% of the market ordered by price
Again this week we see prices in this zip code remain roughly at the level they’ve been for several weeks. Since we’re significantly below the top of the market, look for a persistent up-shift in the Market Action Index before we see prices move from these levels.
In the quartile market segments, we see prices in this zip code have settled at a price plateau across the board. Prices in all four quartiles are basically mixed. Look for a persistent shift (up or down) in the Market Action Index before prices move from these current levels.
While prices have been basically flat, the price per square foot has been heading downward. While not a sign of broad strength in a market, larger homes are coming more available and buyers are tending to get more home for their money.
7-Day Median
Inventory has been climbing lately. Note that rising inventory alone does not signal a weakening market. Look to the Market Action Index and Days on Market trends to gauge whether buyer interest is keeping up with available supply.
The market has started cooling and prices have been flat for several weeks. Since we’re in the Seller’s zone, watch for changes in MAI. If the MAI resumes its climb, prices will likely follow suit. If the MAI drops consistently or falls into the Buyer’s zone, watch for downward pressure on prices.
Not surprisingly, all segments in this zip code are showing high levels of demand. Watch the quartiles for changes before the whole market changes. Often one end of the market (e.g. the highend) will weaken before the rest of the market and signal a slowdown for the whole group.
The properties have been on the market for an average of 187 days. Half of the listings have come newly on the market in the past 67 or so days. Watch the 90-day DOM trend for signals of a changing market.
It is not uncommon for the higher priced homes in an area to take longer to sell than those in the lower quartiles.
This week the median list price for Aurora, CO 80013 is $289,900 with the market action index hovering around 37. This is less than last month's market action index of 39. Inventory has held steady at or around 55.
This answers “How’s the Market?” by comparing rate of sales versus inventory
Market Narrative
The market has started cooling and prices have been flat for several weeks. Since we’re in the Seller’s zone, watch for changes in MAI. If the MAI resumes its climb, prices will likely follow suit. If the MAI drops consistently or falls into the Buyer’s zone, watch for downward pressure on prices.
Median List Price
Each segment below represents approximately 25% of
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
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.
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.
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.
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.
&
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
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
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
Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas, Elbert & Jefferson Counties
SCHOOL
Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas, Elbert & Jefferson Counties
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
84.4/100 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 with
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
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
(LEP), and Fluent
- Monitor
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
(LEP), and Fluent
(FEP) - Monitor Year 1, Monitor Year 2, Exited Year 1, & Exited Year 2 (*) Not Applicable; (-) No Reportable Data
9125: Vista
Plan
50.9/100 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
(-) 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
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
9125: Vista Peak 9-12 Preparatory | 0180: Adams-Arapahoe 28J High School - (1 Year)
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 Non-English
Not Applicable; (-) No Reportable Data
Aurora Frontier K-8
3200 S Jericho Way Aurora CO 80013
Telephone : (303) 693-1995
Lowest Grade : Pre-K
Kindergarten : Yes
0.56 Miles
School District : Aurora Joint District No. 28
Highest Grade : 8th
School Enrollment : Enrollment : 757
Total Expenditure/Student : 95
Arrowhead Elementary School Distance 0.79 Miles
19100 East Bates Avenue Aurora CO 80013
Telephone : (720) 886-2800
Lowest Grade : Pre-K
Kindergarten : Yes
Enrollment : 475
School District : Cherry Creek School District No. 5
Highest Grade : 5th
School Enrollment :
Total Expenditure/Student :
Side Creek Elementary School Distance 1.12 Miles
19191 East Iliff Pl Aurora CO 80013
Telephone : (303) 755-1785 School District : Aurora Joint District No. 28
Lowest Grade : Pre-K
Kindergarten : Yes
Enrollment : 508
Highest Grade : 5th
School Enrollment :
Total Expenditure/Student : 95
Dakota Valley Elementary School
3950 South Kirk Way Aurora CO 80013
Telephone : (720) 886-3000
Lowest Grade : Pre-K
Kindergarten : Yes
Enrollment : 584
Columbia Middle School
17600 East Columbia Ave Aurora CO 80013
Telephone : (303) 690-6570
Lowest Grade : 6th
Kindergarten : No
Enrollment : 653
School District : Cherry Creek School District No. 5
Highest Grade : 5th
School Enrollment :
Total Expenditure/Student :
Highest Grade : 8th
School Enrollment :
Total Expenditure/Student : 95
Horizon Middle School Distance 1.88 Miles
3981 South Reservoir Road Aurora CO 80013
Telephone : (720) 886-6100
Lowest Grade : 6th
Kindergarten : No
Enrollment : 732
School District : Cherry Creek School District No. 5
Highest Grade : 8th
School Enrollment :
Total Expenditure/Student : Mrachek Middle School
1955 South Telluride St Aurora CO 80013
Telephone : (303) 750-2836 School District : Aurora Joint District No. 28
Lowest Grade : 6th
Kindergarten : No
Enrollment : 867
Highest Grade : 8th
School Enrollment :
Total Expenditure/Student : 95
Lowest Grade : 9th
Highest Grade : 12th
School Enrollment : Enrollment : 2117
Total Expenditure/Student : 95 Advanced Placement : No
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
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
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
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
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
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
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
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
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
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
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
& 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
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
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
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
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)
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 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.
• 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.
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
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.
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.
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®
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®
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.
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.
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®.
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.
An escrow officer leads the facilitation of your escrow, including escrow instructions preparation, document preparation, funds disbursement, and more.
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.
An estimate of value of property resulting from analysis of facts about the property; an opinion of value.
The borrower’s costs of the loan term expressed as a rate. This is not their interest rate.
The recipient of benefits, often from a deed of trust; usually the lender.
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.
Generally the date the buyer becomes the legal owner and title insurance becomes effective.
Sales that have similar characteristics as the subject real property, used for analysis in the appraisal. Commonly called “comps.”
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.
An instrument used in many states in place of a mortgage.
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.
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.
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.
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.
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.
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.
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.
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.
The instrument by which real property is pledged as security for repayment of a loan.
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.”
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.
TILA-RESPA Integrated Disclosures
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.
“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
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
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Here’s a list of people, businesses and organizations who will need to know you’ve moved to a new location.
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