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Subject Property : 8241 N Pomona Dr Arvada CO 80005

Owner Information

Owner Name : Anderson Alan Keith / Stone Valerie Elaine

Mailing Address : 8241 W Pomona Dr, Arvada CO 80005-2572 C064

Owner Occupied Indicator : O

Location Information

Legal Description : Section 27 Township 02 Range 69 Qtr Se Subdivisioncd 610200 Subdivisionname Pomona Lakes Flg # 5 Amd Plat Of Blks 2-5 Block 002 Lot 0042 Size: 13402 Tract Value: .308

County : Jefferson, Co

Census Tract / Block : 98.35 / 1

Township-Range- Sect : 02-69-27

Legal Lot : 42

Legal Block : 2

APN : 095922

Last Market Sale Information

Recording/Sale Date : 09/28/2020 / 09/21/2020

Sale Price : $534,200

Document # : 123630

Title Company : Land Title Guarantee

Seller Name : Douse Nicholas

Prior Sale Information

Prior Rec/Sale Date : 11/20/2018 / 11/19/2018

Prior Sale Price : $452,000

Prior Doc Number : 105242

Alternate APN : 29-274-03-001

Subdivision : Pomona Lakes Flg # 5 Amd Of Blks 2-5

Map Reference : 12-A / 29-27

School District : Jefferson County R-1

Neighbor Code : MEADOWGLEN POMONA L

Deed Type : Warranty Deed

Price Per SqFt : $196.18

Prior Deed Type : Warranty Deed

Prior 1st Mtg Amt/Type : $443,813 / Fha

Customer Name : De Anna Harwood

Customer Company Name : First American Title Prepared On : 06/02/2026

Property Characteristics

Gross Area : 3,479

Living Area : 2,723

Tot Adj Area : 3,059

Above Grade : 2723

Bedrooms : 5

Bath(F/H) : 2

Fireplace : Y / 1

Property Information

Land Use : Sfr

Lot Acres : 0.31

Lot Size : 13,416

Tax Information Total

Total Taxable Value : $46,865

Year Built / Eff : 1972 / 1990

Parking Type : Attached Garage

Garage Area : 420

Basement Area : 336

Finish Bsmnt Area : FINISHED

Heat Type : Forced Air

Cooling Type : Forced Air

Patio Type : Deck

Pool : Hot Tub

Air Cond : Central & Unit

Basement Type : Finished Style : Split Level

Construction : Wood Quality : Average

Water Influence : Open Space

Water Type : Type Unknown

Sewer Type : Type Unknown

State Use : Improved Resid Land

Sales History

Rec. Date : 09/28/2020 11/20/2018 10/27/2016 06/28/2016

Sale Date : 09/21/2020 11/19/2018 10/24/2016 06/24/2016

Sale Price : $534,200 $452,000 $419,900 $320,000

Rec.Doc.No : 123630 105242 112066 62533

Doc. Type : WARRANTY DEED WARRANTY DEED WARRANTY DEED WARRANTY DEED

Sale Price Type :

Buyer : Anderson Alan K Douse Nicholas Cooper David & Dayna Tg777gt Residential Trust

Seller : Douse Nicholas Cooper David & Dayna Tg777gt Residential Trust Alba Emily V

Title Company : Land Title Guarantee Chicago Title Co Stewart Title Stewart Title

Other Doc No :

Rec. Date : 08/31/2006 09/25/2000

Sale Date : 08/28/2006 09/18/2000

Sale Price : $239,400

Rec.Doc.No : 107087 F1119045

Doc. Type : WARRANTY DEED QUIT CLAIM DEED

Sale Price Type :

Buyer : Alba Emily V Bird Gail L

Seller : Bird Gail L Bird George W & Gail L

Title Company :

Other Doc No :

Mortgage History

1st Mortgage Details

Mtg. Date : 11/20/2018 10/27/2016 06/28/2016 11/14/2006

Mtg. Amt : $443,813 $407,303 $337,000 $86,000

Mtg. Doc. No : 105243 112067 62535 135930

Doc. Type : DEED OF TRUST DEED OF TRUST DEED OF TRUST EQUITY OR CREDIT LINE

Loan Type : FHA CONVENTIONAL CONVENTIONAL

Mtg. Rate Type : ADJUSTABLE INT RATE LOAN

Mtg. Term : 30 Years 30 Years 1 Years 30 Years

Mtg. Rate :

Lender : Caliber Hm Loans Inc New American Fndg Cost Fund 1 Llc Citibank Na

Borrower 1 : Douse Nicholas Cooper David Tg777gt Residential Trust Alba Emily V

Borrower 2 : Pennetta Kimberly Cooper Dayna Takara Clayton

Borrower 3 :

Borrower 4 :

Mtg. Date : 08/31/2006 02/16/2006

Mtg. Amt : $191,520 $243,000

Mtg. Doc. No : 107088 19877

Doc. Type : DEED OF TRUST EQUITY OR CREDIT LINE

Loan Type : CONVENTIONAL CONVENTIONAL

Mtg. Rate Type : ADJUSTABLE INT RATE LOAN ADJUSTABLE INT RATE LOAN

Mtg. Term : 30 Years 30 Years

Mtg. Rate : 7.50

Lender : American Liberty Mtg Inc Washington Mutual Bk Fa

Borrower 1 : Alba Emily V Bird Gail L

Borrower 2 :

Borrower 3 :

Borrower 4 :

Name : De Anna Harwood

Company Name : First American Title

On : 06/02/2026

2nd Mortgage Details

Mtg. Date : 08/31/2006

Mtg. Amt : $47,880

Mtg. Doc. No : 107089

Doc. Type : DEED OF TRUST

Loan Type : CONVENTIONAL

Mtg. Rate Type :

Mtg. Term : 15 Years

Mtg. Rate :

Lender : American Liberty Mtg Inc

Borrower 1 : Alba Emily V

Borrower 2 :

Borrower 3 :

Borrower 4 :

Foreclosure History

Doc Type :

Recording Date : 08/28/2015 05/14/2015 10/10/2014 07/18/2014 Fore. Doc. No : 91565

Orig Doc Date : 05/14/2015 08/31/2006 07/18/2014 08/31/2006

Lender Name :

Public Schools :

Elementary Schools

Weber Elementary School Distance 0.11 Miles

8725 West 81st Place Arvada CO 80005

Telephone : (303) 982-1012

Lowest Grade : Pre-K

Kindergarten : Yes

Enrollment : 312

School District : Jefferson County School District No. R-1

Highest Grade : 5th

School Enrollment :

Total Expenditure/Student :

Warder Elementary School Distance 0.71 Miles

7840 Carr Drive Arvada CO 80005

Telephone : (303) 982-0950

Lowest Grade : Pre-K

Kindergarten : Yes

Enrollment : 432

School District : Jefferson County School District No. R-1

Highest Grade : 5th

School Enrollment :

Total Expenditure/Student :

Hackberry Hill Elementary School Distance 1.16 Miles

7300 West 76th Avenue Arvada CO 80003

Telephone : (303) 982-0260

Lowest Grade : K

Kindergarten : Yes

Enrollment : 430

School District : Jefferson County School District No. R-1

Highest Grade : 5th

School Enrollment :

Total Expenditure/Student :

Little Elementary School Distance 1.31 Miles

8448 Otis Drive Arvada CO 80003

Telephone : (303) 982-0310

Lowest Grade : K

Kindergarten : Yes

Enrollment : 310

Middle Schools

School District : Jefferson County School District No. R-1

Highest Grade : 5th

School Enrollment :

Total Expenditure/Student :

North Arvada Middle School Distance 1.65 Miles

7285 Pierce Street Arvada CO 80003

Telephone : (303) 982-0528

Lowest Grade : 6th

Kindergarten : No

Enrollment : 464

School District : Jefferson County School District No. R-1

Highest Grade : 8th

School Enrollment :

Total Expenditure/Student :

Mandalay Middle School Distance 1.95 Miles

9651 North Pierce St Westminster CO 80021

Telephone : (303) 982-9802

Lowest Grade : 6th

Kindergarten : No

Enrollment : 443

School District : Jefferson County School District No. R-1

Highest Grade : 8th

School Enrollment :

Total Expenditure/Student :

Oberon Middle School Distance 1.97 Miles

7300 Quail Street Arvada CO 80005

Telephone : (303) 982-2020

Lowest Grade : 6th

Kindergarten : No

Enrollment : 704

High Schools

School District : Jefferson County School District No. R-1

Highest Grade : 8th

School Enrollment :

Total Expenditure/Student :

Pomona Junior/senior High School Distance 0.23 Miles

8101 West Pomona Drive Arvada CO 80005

Telephone : (303) 982-0710

Lowest Grade : 6th

School Enrollment :

Total Expenditure/Student :

School District : Jefferson County School District No. R-1

Highest Grade : 12th

Enrollment : 1252

Advanced Placement : No

Hospitality

Organizations / Associations

King Of Kings Lutheran Church Of Arvada

Arvada Baptist

Owner Name : Ayon Matthew

Sale Date : 08/26/2021

Total Value : $775,090

Bed / Bath : 4 / 3

Land Use : Sfr

Yr Blt / Eff Yr Blt : 1973 / 2006

Subdivision : Pomona Lakes Flg # 2

Owner Name : Johnson Michael Todd

Recording Date : 08/31/2021

Price : $600,000

Tax : $4,995.34

Lot Acres : 0.29

Area : 1,824

091980

Recording Date : 03/28/2001

Sale Date : 03/12/2001 Sale Price : $235,000

Total Value : $612,649

Bed / Bath : 4 / 3

Tax : $3,948.44

Lot Acres : 0.26

Land Use : Sfr Living Area : 2,183

Yr Blt / Eff Yr Blt : 1974 / 1974

Subdivision : Pomona Lakes Flg # 2

Owner Name : Emeterio Randall B

091979

Recording Date : 11/15/1985

Sale Date : 10/14/1985 Sale Price : $100,000

Total Value : $592,126

Bed / Bath : 3 / 2

Land Use : Sfr

Yr Blt / Eff Yr Blt : 1973 / 1973

Subdivision : Pomona Lakes Flg # 2

Owner Name : Wells Donald L

$3,171.68

Lot Acres : 0.23

Living Area : 1,824

APN : 091956

Recording Date : 07/22/1998

Sale Date : 06/29/1998 Sale Price : $165,000

Total Value : $558,072

Bed / Bath : 3 / 3

Land Use : Sfr

Yr Blt / Eff Yr Blt : 1974 / 1974

Subdivision : Pomona Lakes Flg # 2

Tax : $2,952.16

Lot Acres : 0.21

Living Area : 1,824

APN : 091976

Customer Name : De Anna Harwood

Customer Company Name : First American Title Prepared On : 06/02/2026

Owner Name : Wiedenhoff James T Subdivision : Pomona Lakes Flg # 2

Sale Date : 04/26/1991

Total Value : $664,557

Bed / Bath : 3 / 4

Land Use : Sfr

Recording Date : 00/00/1991

Price : $122,000

Tax : $3,638.44

0.23 Stories : 2

2,498

1974 / 1974

Owner Name : Donaldson Tamara M Subdivision : Pomona Lakes Flg # 5

Total Value : $605,266

Bed / Bath : 3 / 2

Tax : $3,900.88

Acres : 0.18 Land Use : Sfr

Area : 1,925

Owner Name : Nissen Vincent G

Sale Date : 08/30/1999

Recording Date : 09/13/1999

Total Value : $631,114 Sale Price : $197,500

Bed / Bath : 3 / 3

Land Use : Sfr

Tax : $4,067.44

Acres : 0.18

Stories : 1 Living Area : 1,480

Yr Blt / Eff Yr Blt : 1972 / 1980 APN : 095875

8281 BRENTWOOD CT Distance 0.09 Miles

Owner Name : Lerette Dirk R

Sale Date : 07/17/2012

Subdivision : Pomona Lakes Flg # 2

Recording Date : 07/18/2012

Total Value : $681,404 Sale Price : $288,900

Bed / Bath : 3 / 4

Tax : $4,391.52

Land Use : Sfr Lot Acres : 0.23

Stories : 2

Yr Blt / Eff Yr Blt : 1974 / 1981

Living Area : 2,040

APN : 091972

Name : De Anna Harwood

Company Name : First American Title Prepared On : 06/02/2026

Owner Name : Chrissinger Robert W

Subdivision : Pomona Lakes Flg # 5 Amd Of Blks 2-5

Total Value : $593,380 Property Tax : $3,179.74

Bed / Bath : 2 / 2

Lot Acres : 0.24

Land Use : Sfr Living Area : 2,150 Yr Blt / Eff Yr Blt : 1972 / 1972 APN : 095916

Owner Name : Maestas Joseph Anthony

Recording Date : 03/07/2006

Sale Date : 02/28/2006 Sale Price : $269,950

Total Value : $602,007

Tax : $3,879.90

Bed / Bath : 4 / 3 Lot Acres : 0.23

Land Use : Sfr Living Area : 1,925

Yr Blt / Eff Yr Blt : 1972 / 1972 APN : 095914

Subdivision : Pomona Lakes Flg # 5 Amd Of Blks 2-5 Customer Name : De Anna Harwood

Company Name : First American Title Prepared On : 06/02/2026

Census Tract / block: 98.35 / 1 Year: 2020

Violent Crime (Ratio)

Non Violent Crime (Ratio)

DENVER METRO

Adams, Arapahoe, Boulder, Broomfield, Denver, Douglas, Elbert & Jefferson Counties

SCHOOL DISTRICT: JEFFERSON DISTRICT R-1

SCHOOLS:

WEBER ELEMENTARY MOORE JR MIDDLE POMONA 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 adams14.org

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 wps.org

2025 Final School Performance Framework

9328: Weber Elementary School | 1420: Jeﬀerson County R-1 Grade Levels:

55.5/100 Points Earned Plan Type Oﬃcial Rating based on SINGLE-YEAR SPF Report

Performance Plan

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 finance, assessment, and safety assurances may result in a lowered rating 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

*State accountability policy requires 95% student participation in state assessments Students excused from testing by a parent or guardian do not impact the Accountability Participation Rate that determines whether the overall rating is reduced by one level Districts or schools with less than 95% total participation in ELA and Math receive a "Does Not Meet 95% Total Participation" descriptor that is informational and does not impact framework calculations The descriptor does not impact framework calculations First-year in the U S Multilingual Learners eligible to take the ELP assessment count as participants for ELA

2025 Final School Performance Framework

9328: Weber Elementary School | 1420: Jeﬀerson County R-1

ACADEMIC ACHIEVEMENT

ACADEMIC GROWTH

This page displays the performance indicator data for the elementary school level For the 1-year report, calculations are based on 2025 state assessment results Multi-year reports include 2023 through 2025 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

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.

Scoring Guide for 2025 District/School Performance Frameworks

1420: Jeﬀerson County R-1

2025 Final District Performance Framework

Accreditation Rating Oﬃcial Rating based on SINGLE-YEAR DPF Report

64.4/100 Points Earned

1420: Jeﬀerson County R-1

ACADEMIC ACHIEVEMENT

ACADEMIC GROWTH

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

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.

1420: Jeﬀerson County R-1

2025 Final District Performance Framework

Middle School - (1 Year)

ACADEMIC GROWTH

Meets Meets Approaching

This page displays the performance indicator data for the middle school level For the 1-year report, calculations are based on 2025 state assessment results Multi-year reports include 2023 through 2025 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

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.

1420: Jeﬀerson County R-1

ACADEMIC ACHIEVEMENT

2025 Final District Performance Framework

ACADEMIC GROWTH

This page displays the performance indicator data for the high school level For the 1-year report, calculations are based on 2025 state assessment results Multi-year reports include 2023 through 2025 results PSAT/SAT cut scores for the multi-year reports were renormed based on 2025 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

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.

Learners describes students that are Non-English

Not Applicable; (-) No Reportable Data

2025 Final District Performance Framework

1420: Jeﬀerson County R-1 High School - (1 Year)

POSTSECONDARY AND WORKFORCE READINESS

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 2025 state assessment results Multi-year reports include 2023-2025 results Cut-scores for the multi-year reports were re-normed based on 2025 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 2024 End of Year (EOY) data submission Multi-year reports include 2022 through 2024 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 2024 graduation cohort. Multi-year reports include 2022 through 2024 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 2021 and 2024 For additional information about ratings, refer to the scoring guide on the last page of this report.

Scoring Guide for 2025 District/School Performance Frameworks

7114: Pomona Junior/Senior High School | 1420: Jeﬀerson County R-1

Plan Type Oﬃcial Rating based on SINGLE-YEAR SPF Report

Improvement Plan

52.2/100 Points Earned

Summary of Ratings by EMH

2025 Final School Performance Framework

7114: Pomona Junior/Senior High School | 1420: Jeﬀerson County R-1

ACADEMIC GROWTH

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

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.

ACADEMIC GROWTH

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

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.

Not Applicable; (-) No Reportable Data

7114: Pomona Junior/Senior

2025 Final School Performance Framework

7114: Pomona Junior/Senior High School | 1420: Jeﬀerson

County R-1

POSTSECONDARY AND WORKFORCE READINESS

REFERENCE TABLE: DISAGGREGATED GRADUATION RATES

Scoring Guide for 2025 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 (CSU) (970) 491-1111 711 Oval Drive, Fort Collins CO 80521 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 or 720-279-0159

555 17th St., Ste. 1000 Denver, CO 80202 www.csuglobal.edu

*COLORADO TECHNICAL UNIVERSITY (CTU)

855.227.0555

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 Colorado Springs, 80909 www.nbc.edu

NAROPA UNIVERSITY

800-772-6951

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

2354 Fairchild Dr, Air Force Academy, CO 80840 www.usafa.edu

*UNIVERSITY OF COLORADO BOULDER (CU BOULDER) (303) 492-4636 Boulder, CO 80309 www.colorado.edu

*UNIVERSITY OF COLORADO - COLORADO SPRINGS (UCCS)

719.255.8227

1420 Austin Bluffs Pkwy Colorado Springs, 80918 www.uccs.edu

*UNIVERSITY OF COLORADO DENVER (CU DENVER)

303.315.5969

1201 Larimer St. • Denver, 80204 www.ucdenver.edu

*UNIVERSITY OF DENVER (DU)

303.871.2000

Denver, CO 80210 www.du.edu

HIGHER EDUCATION

State of Colorado SCHOOL

FOUR YEAR INSTITUTIONS Cont.

TWO YEAR INSTITUTIONS:

*UNIVERSITY OF NORTHERN COLORADO (UNC)

970.351.1890

501 20th St. • Greeley, 80639 www.unco.edu

WESTERN COLORADO

UNIVERSITY

970.943.2119

1 Western Way • Gunnison, 81231 www.western.edu

WILLIAM HOWARD TAFT UNIVERSITY

(877) 894-8238

1325 S Colorado Blvd Suite B-404, Denver, CO 80222 www.taft.edu

*METROPOLITAN STATE UNIVERSITY OF DENVER (303) 556-5740 890 Auraria Pkwy, Denver, CO 80204 www.msudenver.edu

*COLORADO MESA UNIVERSITY

970.248.1020 1100 North Ave, Grand Junction, 81505 www.coloradomesa.edu

COLORADO CHRISTIAN UNIVERSITY

(303) 963-3000 8787 W Alameda Ave, Lakewood, CO 80226 www.ccu.edu

AIMS COMMUNITY COLLEGE

970.330.8008

5401 W. 20th St. • Greeley, 80634 all locations: www.aims.edu/locations www.aims.edu

ARAPAHOE COMMUNITY COLLEGE

303.797.4222 • 5900 S. Santa Fe Dr. Littleton, 80120

303.660-3160 • 4500 Limelight Ave. Castle Rock, 80109

303-734-3853 •10035 Peoria St. Lone Tree, 80134 www.arapahoe.edu

COLORADO NORTHWESTERN COMMUNITY COLLEGE (800) 562-1105 www.cncc.edu

COLORADO MOUNTAIN COLLEGE

for all locations: coloradomtn.edu/where-we-are www.coloradomtn.edu

COMMUNITY COLLEGE OF AURORA

303.360.4700 www.ccaurora.edu

COMMUNITY COLLEGE OF DENVER (303) 556-2600 800 Curtis St, Denver, CO 80204 www.ccd.edu

FRONT RANGE

COMMUNITY COLLEGE

303.404.5000 3645 W. 112th Ave. • Westminster, 80031 Boulder and Larimer County locations: 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 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

*TOP RANKED IN COLORADO

UTILITIES

NATURAL GAS:

XCEL ENERGY

(800) 895-4999

ELECTRICITY:

XCEL ENERGY

(800) 895-4999

WATER & SEWER: CITY OF ARVADA

(720) 898-7070

HOA NONE

UTILITIES

PHONE SERVICE:

OOMA (888) 711-6662 www.ooma.com

VOIPLY (Landline)

844-843-4175 www.voiply.com

PHONE AND INTERNET PROVIDERS:

ALLO FIBER

866-481-2556 allocommunications.com

AT&T

866-861-6075 att.com

CENTURY LINK

855.526.1062 centurylink.com

HUGHESNET

844-737-2700 hughesnet.com

RISE BROADBAND

855-275-9473 risebroadband.com

SPECTRUM

855-860-9068 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 verizon.com

VIAERO WIRELESS (government assistance program) 877-484-2376 www.viaero.com

SATELLITE & CABLE:

DIRECTV

800-347-3288 directv.com

DISH

877-621-0194 dish.com

XFINITY

800.934.6489 xfinity.com

SPECTRUM

855-860-9068 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@gmail.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) Denver / Parker: 303-841-7144 Colorado Springs: 719-999-0500 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

303-443-0115 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)

833-324-5886 sunrun.com

CASCADE SOLAR & ELECTRIC

303.928.4123 cascadese.com

ROCKY MOUNTAIN SOLAR SERVICES (Denver Metro)

303-656-0360

GO GREEN ELECTRIC INC

303.731.5198 gogreenelectricinc.com

SMART WAVE SOLAR (Denver Metro) 720-547-3422 smartwavesolar.com

BLUE RAVEN SOLAR

385-220-2516 blueravensolar.com

ENERGY ADVANTAGE ROOFING & SOLAR

720.306.9600 yourenergyadvantage.com/colorado

ION SOLAR

855-208-5625 ionsolar.com/colorado

COMPLETE ENERGY SOLUTIONS (Arvada)

888.947.8626 densolar.com

SOLAR POWER PROS

303.797.6527 solarpowerpros.com

PHOTON BROTHERS

Service Area: Colorado Front Range Phone: 720-370-3344

Website: photonbrothers.com

ARE SOLAR

Service Area: Denver, Erie, Larkspur / Colorado Denver: 720-706-2773 Erie: 719-212-2999

Larkspur: 719-353-5581

Website: aresolar.com

SANDBOX SOLAR

Service Area: Northern Colorado / Colorado Front Range Phone: 970-673-7733

Email: sales@sandboxsolar.com Website: sandboxsolar.com

SOLAR SIDE UP

Service Area: Denver Metro Phone: 720-740-7085

Website: solarsideup.com

SUNTALK SOLAR

Service Area: Denver Metro and Colorado Springs Main Phone: 303-904-2268 Cell: 720-295-9180 Website: suntalksolar.com

GOLDEN SOLAR

Service Area: Denver Metro Phone: 303-955-6332

Email: gosolar@goldensolar.net Website: goldensolar.net

FLATIRON SOLAR

Service Area: Boulder, Longmont, Northern Colorado Phone: 303-775-4574

Email: info@flatironsolar.com Website: flatironsolar.com

ECOLOGY SOLAR

Service Area: Denver Phone: 720-355-7295

Email: get-solar@ecology.solar Website: ecology.solar

First American Title Market Update

This week the median list price for Arvada, CO 80005 is $749,950 with the market action index hovering around 45. This is an increase over last month's market action index of 42 Inventory has increased to 50

Market Action Index

This answers “How’s the Market?” by comparing rate of sales versus inventory

Real-Time Market Profile

Price of New Listings

Strong Seller's Market

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.

Market Segments

Each segment below represents approximately 25% of the market ordered by price

Strong Seller's Market

Median List Price

Prices in this zip code seem to have settled around a plateau. Look for a persistent down-shift in the Market Action Index before we see prices deviate from these levels.

Segments

Price Per Square Foot

The market plateau is seen across the price and value. The price per square foot and median list price have both been reasonably stagnant. Watch the Market Action Index for persistent changes as a leading indicator before the market moves from these levels. 7-Day

Inventory

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.

Market Action Index

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 Days on Market (DOM)

The properties have been on the market for an average of 62 days. Half of the listings have come newly on the market in the past 28 or so days. Watch the 90-day DOM trend for signals of a changing market.

Segments

It is not uncommon for the higher priced homes in an area to take longer to sell than those in the lower quartiles.

Arvada, CO 80005 Condos/Townhomes

This week the median list price for Arvada, CO 80005 is $364,000 with the market action index hovering around 34. This is an increase over last month's market action index of 33. Inventory has decreased to 23.

Market Action Index

In terms of supply and demand, the market is getting cooler - more supply is coming on the market relative to the sales demand. However, in recent weeks prices have been moving higher. Since it is technically a Buyers market, this price trend may be a result of improved quality of the homes being listed. Look at the descriptive statistics where you may notice the homes being listed are larger and younger than they have been in the past.

Median List Price

Market Segments

Each segment below represents approximately 25% of the market ordered by price.

Slight Seller's Advantage

City Information

Local Banks

Neighboring Towns and Cities

Employment and Retirement

City Hall

Schools

Demographics

Travel and Passport Facilities

Transportation Modes

Leisure and Activities

Vehicle Permits and Licenses

Social Benefits

DENVER METRO

Jefferson County

JEFFERSON COUNTY: www.jeffco.us

ELECTED OFFICIALS & PUBLIC OFFICES

ASSESSOR

Scot Kersgaard 303.271.8600

CLERK AND RECORDER

Amanda Gonzalez 303.271.8168

CORONER

Dr. Annette Cannon 303.271.6480

COUNTY COMMISSIONER (DISTRICT 1)

Rachel Zenzinger 303.271.8525

COUNTY COMMISSIONER (DISTRICT 2)

Andy Kerr 303.271.8525

COUNTY COMMISSIONER (DISTRICT 3)

Lesley Dahlkemper303.271.8525

DISTRICT ATTORNEY (1ST JUDICIAL DISTRICT)

Alexis King 303.271.6800

SHERIFF

Reggie Marinelli 303.271.0211

SURVEYOR

Robert Hennessy 303.271.8700

PUBLIC TRUSTEE AND TREASURER

Jerry DiTullio 303-271-8580

JEFFERSON COUNTY COURTHOUSE & GOVERNMENT CENTER:

JEFFERSON COUNTY COMBINED COURT

720.772.2500

100 Jefferson County Pkwy. • Golden, 80401

JEFFERSON COUNTY GOVERNMENT CENTER

303.271.6511

100 Jefferson County Pkwy. • Golden, 80401

JEFFERSON COUNTY

MOTOR VEHICLE:

www.jeffco.us

303.271.8100

ARVADA

6510 Wadsworth Blvd. #320 Arvada, 80003

EVERGREEN

4990 County Hwy 73A Evergreen, 80439

GOLDEN

100 Jefferson County Pkwy #2540 Golden, 80419

LAKEWOOD

2099 Wadsworth Blvd. Ste K Lakewood, 80214

LITTLETON

11139 Bradford Rd. • Littleton, 80127

JEFFERSON COUNTY LIBRARIES: www.jeffcolibrary.org

ARVADA BALSAM TEMPORARY LIBRARY

303.235.5275

5751 Balsam St. • Arvada, CO 80002

ARVADA - Closed for redesign

303.235.5275

7525 W. 57th Ave. • Arvada, 80002

BELMAR

303.235.5275

555 S. Allison Pkwy. • Lakewood, 80226

COLUMBINE

303.235.5275

7706 W. Bowles Ave. • Littleton, 80123

CONIFER

303.235.5275

27122 Main St., #100 • Conifer, CO 80433

EDGEWATER

303.235.5275

1800 Harlan St. • Edgewater, 80214

EVERGREEN

303.235.5275

5000 County Road 73 • Evergreen, 80439

GOLDEN

303.235.5275

1019 10th St. • Golden, 80401

LAKEWOOD

303.235.5275

10200 W. 20th Ave. • Lakewood, 80215

STANDLEY LAKE

303.235.5275

8485 Kipling St. • Arvada, 80005

WHEAT RIDGE

303.235.5275

5475 W. 32nd Ave. • Wheat Ridge, 80212

DENVER METRO

Jefferson County

JEFFERSON COUNTY:

Jefferson County, commonly known as Jeffco, is located in north-central Colorado along the Front Range of the Rocky Mountains, directly west of Denver. The county is part of the Denver-Aurora-Centennial, CO Metropolitan Statistical Area, reflecting the updated federal metro-area naming used in the July 2023 delineations.

As of July 1, 2025, Jefferson County had an estimated population of 580,451, making it one of the most populous counties in Colorado. Golden serves as the county seat, while Lakewood is the county’s largest city.

Known as the “Gateway to the Rocky Mountains,” Jefferson County blends urban convenience with foothills, open space, and mountain access. The nickname Jeffco is widely used throughout the county, including in the names of local schools, agencies, districts, and businesses.

Jefferson County is home to several major institutions and employers, including the Molson Coors Golden Brewery, which traces its roots in Golden to 1873, and the Colorado School of Mines, a public research university focused on science and engineering.

The county also owns and operates Rocky Mountain Metropolitan Airport, formerly known as Jeffco Airport. Founded in 1960, the airport is located in Broomfield and serves as a major general aviation and reliever airport for the Denver metro area.

HISTORY

Jefferson County’s roots reach back to the territorial era. On August 25, 1855, Kansas Territory established Arapahoe County, which included much of what is now eastern Colorado to the Continental Divide. Gold discoveries in the late 1850s helped spark the Colorado Pike’s Peak Gold Rush and brought rapid settlement to the region.

In 1859, residents of the mining region, feeling distant from the governments of Kansas and Nebraska, formed the provisional Territory of Jefferson. On November 28, 1859, the Jefferson Territory legislature organized 12 counties, including Jefferson County. Arapahoe City was originally selected as the first seat of government, and Golden City was later chosen as the county seat in 1860.

Although the Jefferson Territory was never formally recognized by Congress, it helped lay the groundwork for Colorado’s territorial government. Congress created the Territory of Colorado on February 28, 1861, and on November 1, 1861, the first Colorado Territorial Legislature formally established Jefferson County along with 16 other original counties.

Jefferson County was named for Thomas Jefferson, the namesake of the short-lived Jefferson Territory and the third president of the United States. Over time, boundary adjustments, Denver annexations, and the creation of the City and County of Broomfield shaped Jefferson County into its present form.

GEOGRAPHY

Jefferson County covers approximately 774 square miles, including about 764 square miles of land. The county stretches from the urban western edge of the Denver metro area into foothills and mountain communities, giving it a diverse landscape of plains, mesas, canyons, and forested open space.

The county sits along the eastern edge of the Rocky Mountains and includes communities such as Golden, Lakewood, Arvada, Wheat Ridge, Edgewater, Evergreen, Morrison, and portions of Westminster and Littleton. Its location gives residents and visitors quick access to both downtown Denver and the mountain corridor — basically city life with a trailhead in its back pocket.

DENVER METRO

Jefferson County

JEFFERSON COUNTY Cont...

ADJACENT COUNTIES

Boulder County – north

Broomfield County – northeast Adams County – east City and County of Denver – east

Arapahoe County – east Douglas County – east

Teller County – south Park County – southwest Clear Creek County – west Gilpin County – northwest

DEMOGRAPHICS

As of July 1, 2025, Jefferson County had an estimated population of 580,451, making it one of Colorado’s largest counties. The county has about 241,735 households, with an average household size of 2.36 people. Jefferson County’s population is 49.7% female, with 17.7% of residents under age 18 and 18.8% age 65 or older. The county is predominantly White, with 75.9% identifying as White alone, not Hispanic or Latino. Hispanic or Latino residents make up 16.6% of the population, and the county also includes Asian, Black, American Indian, Pacific Islander, multiracial, and other racial groups.

The county is highly educated, with 95.8% of adults age 25 and older holding a high school diploma and 52.0% holding a bachelor’s degree or higher. The median household income is $110,656, and about 7.2% of residents live below the poverty line. Overall, Jefferson County is a large, diverse, and well-educated community with a strong economic base and a mix of urban, suburban, and foothills neighborhoods.

For county demographics and information visit the below website and enter your county and state, then click on the map next to total population for full details:

COLORADO Denver Metro

SPORTS:

DENVER BRONCOS BRONCOS PARK POWERED BY COMMONSPIRIT

13655 Broncos Parkway Englewood, CO 80112 (303) 649-9000 denverbroncos.com

COLORADO AVALANCHE

BALL ARENA

1000 Chopper Cir Denver, CO 80204 (303) 405-1100 nhl.com/avalanche

COLORADO ROCKIES COORS FIELD

2001 Blake St Denver, CO 80205 (303) 292-0200 mlb.com/rockies

DENVER NUGGETS

BALL ARENA

1000 Chopper Circle Denver, CO 80204 (303) 405-1100 nba.com/nuggets

COLORADO RAPIDS

DICK’S SPORTING GOODS PARK

6000 Victory Way Commerce City, CO 80022 (303) 825-4625 coloradorapids.com

COLORADO MAMMOTH

BALL ARENA

1000 Chopper Circle Denver, CO 80204 (303) 405-1101 coloradomammoth.com

PARKS & RECREATION:

CITY PARK

Location: East of downtown Denver, near E. 17th Ave., York St., Colorado Blvd. and E. 23rd Ave.

City Park is Denver’s largest urban park, with more than 300 acres of lawns, lakes, walking paths, athletic fields, tennis courts, event space and major cultural attractions. The park is home to the Denver Zoo and the Denver Museum of Nature & Science, with Ferril Lake, flower gardens, monuments, picnic areas and some of the city’s best skyline-and-mountain views. City Park Golf Course remains a public urban course with views of downtown and the mountains.

City Park Jazz continues as a beloved free summer concert series. For 2026, the posted schedule runs Sunday evenings from June 7 through Aug. 9, though staging and seating may shift because the historic bandstand was damaged by fire. Definitely check the current schedule before publishing exact event details.

SKYLINE PARK

Location: Along Arapahoe Street between 15th and 18th streets in downtown Denver.

Skyline Park is downtown Denver’s three-block urban park along Arapahoe Street. It is currently being reimagined as a more active, accessible public space for residents, workers, students and visitors. Block 1, between 15th and 16th streets, reopened in 2025 with a Street Soccer USA synthetic turf field for drop-in play when not reserved for programming. Block 2, between 16th and 17th streets, is under construction as of February 2026, with completion anticipated in spring 2027.

CIVIC CENTER PARK

Address: 101 14th Ave., Denver, CO 80204

Civic Center Park remains Denver’s grand civic gathering space, known for its history, architecture, public art, gardens, events and central downtown location near the Colorado State Capitol, City and County Building, Denver Art Museum and Denver Central Library.

Important update: Civic Center Park is under major construction. Phase One of the Civic Center Next 100 project began in November 2025, with completion scheduled for summer 2027. Limited portions of the park remain open, but large events are affected during construction. Civic Center EATS is still active in 2026, scheduled Wednesdays and Thursdays from mid-May through mid-October on Bannock Street and the Civic Center Park Meadow.

CONFLUENCE PARK

Address: 2250 15th St., Denver, CO 80202

Confluence Park sits where Cherry Creek meets the South Platte River, near Lower Downtown and the REI flagship store. The area is considered part of Denver’s birthplace, with the confluence tied to the city’s 1858 origins. Today, it’s a popular urban riverfront park for walking, biking, kayaking, relaxing along the water and taking in downtown views.

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 80204 (303) 595-4386 elitchgardens.com

WATER WORLD

8801 N. Pecos Street Federal Heights, CO 80260 (303) 427-7873 waterworldcolorado.com

CASA BONITA (RESTAURANT)

6715 W Colfax Ave Lakewood, CO 80214 casabonitadenver.com

MEOW WOLF DENVER: CONVERGENCE STATION 1338 1st St. Denver, CO 80204 (866) 636-9969 meowwolf.com/visit/denver

DENVER BOTANIC GARDENS

1007 York St Denver, CO 80206 (720) 865-3500 botanicgardens.org

HUDSON GARDENS & EVENT CENTER

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 – THE ANSCHUTZ COLLECTION 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 Box Office counter: 1301 13th St. Denver, CO 80204 Ticket line: (303) 893-4100 Admin: (303) 893-4000 Website: denvercenter.org (303) 893-4100 denvercenter.org

DENVER MUSEUM OF NATURE & 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 80211 (303) 433-7444 mychildsmuseum.org

DENVER ART MUSEUM

100 W. 14th Ave. Pkwy. Denver, Colorado (720) 865-5000 denverartmuseum.org

SANCTUARIES & ZOOS:

BUTTERFLY PAVILION

(303) 469-5441 6252 W 104th Ave. Westminster, CO 80020 butterflies.org

THE WILD ANIMAL SANCTUARY

2999 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 CONSERVATION ALLIANCE

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

downtownaquariumdenver

COLORADO Denver Metro

Denver

The Mile High City Exciting Things to Do in Denver

With sunny skies, fresh mountain air and adventure in every direction, Denver makes it easy to fill a day — or a whole getaway — with city energy and Colorado views. Set exactly one mile above sea level, the Mile High City blends urban culture with quick access to the Rocky Mountains.

Start outside. Denver offers nearly 20,000 acres of parkland, more than 250 urban parks and about 850 miles of paved, off-street trails for walking and biking. Spend the morning in a city park, cruise along Cherry Creek or the South Platte River, then use Denver as your basecamp for hiking, mountain biking, camping, fly-fishing and scenic day trips.

The city’s creative scene is just as vibrant. Explore major museums, boutique galleries, public art, live music venues and neighborhood art districts filled with color, food and local flavor. From RiNo’s murals to the Art District on Santa Fe, Denver turns a simple stroll into a tiny cultural treasure hunt.

There’s something here for every kind of traveler: romantic rooftops, family-friendly attractions, outdoor adventures, craft food and drink, unforgettable concerts and easy access to the mountains. Whether you’re planning a weekend getaway or a longer Colorado vacation, Denver is ready to be your launchpad.

SCAN CODE to explore more outdoor adventures, food and drink, arts and culture, and career opportunities in Denver.

denver.org/things-to-do

COLORADO

SPORTS TEAMS & FACILITIES:

DENVER METRO

DENVER BRONCOS

Empower Field at Mile High, 1701 Bryant St., Denver, CO 80204.

DENVER NUGGETS, COLORADO AVALANCHE & COLORADO MAMMOTH

Ball Arena, 1000 Chopper Circle, Denver, CO 80204.

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

DENVER SUMMIT FC

Colorado’s NWSL team; 2026 home matches use multiple venues, including Empower Field, DICK’S Sporting Goods Park, and Centennial Stadium.

UNIVERSITY OF COLORADO BUFFALOES

CU Boulder athletics; Boulder-based. cubuffs.com

UNIVERSITY OF DENVER PIONEERS

University of Denver athletics; Ritchie Center ticket office, 2240 Buchtel Blvd., Denver, CO 80208. denverpioneers.com

NATIONAL BALLPARK MUSEUM

1940 Blake St., Denver, CO 80202; 303.974.5835 ballparkmuseum.com

NORTHERN COLORADO

COLORADO EAGLES

Blue FCU Arena

5290 Arena Cir., Loveland, CO 80538 coloradoeagles.com

COLORADO STATE UNIVERSITY RAMS

UNIVERSITY OF NORTHERN COLORADO BEARS uncbears.com

COLORADO NATIONAL SPEEDWAY

4281 Speedway Blvd., Dacono, CO 80514; 303.828.0116 coloradospeedway.com

SOUTHERN COLORADO

COLORADO SPRINGS SWITCHBACKS FC Weidner Field 111 W. Cimarron St., Colorado Springs, CO 80903 • switchbacksfc.com

AIR FORCE FALCONS goairforcefalcons.com

PIKES PEAK INTERNATIONAL RACEWAY

16650 Midway Ranch Rd., Fountain, CO 80817 719.382.7223 /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 MUSEUM

303.832.4092

1340 Pennsylvania St., Denver, CO 80203 • mollybrown.org

COLORADO RAILROAD MUSEUM

303.279.4591 / 800.365.6263; 17155 W. 44th Ave., Golden, CO 80403

FORNEY MUSEUM OF TRANSPORTATION

303.297.1113; 4303 Brighton Blvd., Denver, CO 80216 forneymuseum.com

COLORADO

MUSEUMS Cont.

DENVER METRO

MCA Denver / Museum of Contemporary Art Denver —

303.298.7554; 1485 Delgany St., Denver, CO 80202; mcadenver.org.

Children’s Museum of Denver at Marsico Campus —

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 ½ Lookout Mountain Park Rd., Golden, CO 80401; buffalobill.org.

Denver 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 Colorado Hwy. 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, CO 80302; bmoca.org.

Wings Over the Rockies Air & Space Museum — 303.360.5360; 7711 E. Academy Blvd., Denver, CO 80230; wingsmuseum.org.

Bradford Washburn American Mountaineering Museum — 710 10th St., Golden, CO 80401; mountaineeringmuseum.org. Currently listed as closed for inventory and a future move.

NORTHERN COLORADO

Fort Collins Museum of Discovery — 970.221.6738; 408 Mason Ct., Fort Collins, CO 80524; fcmod.org.

Loveland Museum/Gallery — 970.962.2410; 503 N. Lincoln Ave., Loveland, CO 80537; thelovelandmuseum.org.

Colorado Model Railroad Museum — 970.392.2934; 680 10th St., Greeley, CO 80631; cmrm.org.

Museum of Art Fort Collins — 970.482.2787; 201 S. College Ave., Fort Collins, CO 80524; moafc.org.

Greeley History Museum — 970.350.9220; 714 8th St., Greeley, CO 80631; greeleymuseums.com.

SOUTHERN COLORADO

Manitou Cliff Dwellings — 719.685.5242; 10 Cliff Rd., Manitou Springs, CO 80829; cliffdwellingsmuseum.com.

Fine Arts Center at Colorado College — 719.634.5581; 30 W. Dale St., Colorado Springs, CO 80903; fac.coloradocollege.edu.

ProRodeo Hall of Fame & Museum of the American Cowboy — 719.528.4764; 103 Pro Rodeo Dr., Colorado Springs, CO 80919; prorodeohalloffame.com.

U.S. Olympic & Paralympic 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; miramontcastle.org.

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 State Park — Brighton, CO

Cherry Creek State Park — Aurora, CO

Eldorado Canyon State Park — Eldorado Springs, CO

Castlewood Canyon State Park — Franktown, CO

Roxborough State Park — Roxborough, CO

Chatfield State Park — Littleton, CO

Golden Gate Canyon State Park — Golden, CO

COLORADO

STATE PARKS cont.

NORTHERN COLORADO

State Forest State Park — Walden, CO

Boyd Lake State Park — Loveland, CO

Lory State Park — Bellvue, CO

St. Vrain State Park — Firestone, CO

SOUTHERN COLORADO

Cheyenne Mountain State Park — Colorado Springs, CO

Lake Pueblo State Park — Pueblo, CO

Mueller State Park — Divide, CO

OTHER PARKS:

DENVER METRO

Red Rocks Park & Amphitheatre — 720.865.2494; 18300 W. Alameda Pkwy., Morrison, CO 80465; redrocksonline.com.

SOUTHERN COLORADO

Garden of the Gods Visitor & Nature Center — 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 County Road 3A, Cañon City, CO 81212; royalgorgebridge.com

SANCTUARIES & ZOOS:

DENVER METRO

Denver Zoo Conservation Alliance / Denver Zoo — 720.337.1400; 2300 Steele St., Denver, CO 80205; denverzoo.org.

Downtown Aquarium —

303.561.4450; 700 Water St., Denver, CO 80211; downtownaquarium.com.

Butterfly Pavilion —

303.469.5441; 6252 W. 104th Ave., Westminster, CO 80020; butterflies.org.

EASTERN COLORADO

The Wild Animal Sanctuary — 303.536.0118; 2999 County Road 53, Keenesburg, CO 80643; wildanimalsanctuary.org.

SOUTHERN COLORADO

Cheyenne Mountain Zoo — 719.633.9925; 4250 Cheyenne Mountain Zoo Rd., 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 Theme & Water Park — 303.595.4386; 2000 Elitch Circle, Denver, CO 80204; elitchgardens.com

Water World — 303.427.7873; 8801 N. Pecos St., Federal Heights, CO 80260; waterworldcolorado.com

SOUTHERN COLORADO

The North Pole — Santa’s Workshop — 719.684.9432; 5050 Pikes Peak Hwy., Cascade, CO 80809; northpolecolorado.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

The North Pole — Santa’s Workshop 719.684.9432; 5050 Pikes Peak Hwy., Cascade, CO 80809; northpolecolorado.com.

TOURS:

DENVER METRO

United States Mint — Denver — 303.405.4761 tour info / 303.572.9500 gift shop; 320 W. Colfax Ave., Denver, CO 80204. Update: Tours are free, but online reservations are now required.

&

Colorado State Capitol Building — 303.866.2604; 200 E. Colfax Ave., Denver, CO 80203; capitol.colorado.gov.

Hammond’s Candies Factory Tour — 303.333.5588; 5735 Washington St., Denver, CO 80216; hammondscandies.com.

Coors Brewery Tour —

303.277.2337; visitor parking/check-in at 502 14th St., Golden, CO 80401. Update: Use coorsbrewerytour.com; reservations are required.

Celestial Seasonings Tea Tour

PERFOMING ARTS:

DENVER METRO

Denver Center for the Performing Arts — 303.893.4100; 1101 13th St., Denver, CO 80204. Box office is at 1301 13th St.

Arvada Center for the Arts and Humanities 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.

Union Colony Civic Center — 970.356.5000; 701 10th Ave., Greeley, CO 80631; greeleyco.gov/ucstars.

SOUTHERN COLORADO

Pikes Peak Center for the Performing Arts — 719.477.2121 / 719.477.2100; 190 S. Cascade Ave., Colorado Springs, CO 80903; pikespeakcenter.com.

MISC. ATTRACTIONS:

DENVER METRO

Denver Botanic Gardens —

720.865.3500; 1007 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; sevenfalls.com.

The Broadmoor Manitou and Pikes Peak Cog Railway 719.685.5401; 515 Ruxton Ave., Manitou Springs, CO 80829; cograilway.com.

— 303.581.1484; 4600 Sleepytime Dr., Boulder, CO 80301. Update: Online reservations required for factory tours.

COLORADO

SKI RESORTS:

Arapahoe Basin Ski Area —

1.888.ARAPAHO — arapahoebasin.com

Aspen Mountain —

800.525.6200 / 970.923.1227 — aspensnowmass.com

Aspen Highlands —

800.525.6200 / 970.923.1227 — aspensnowmass.com

Beaver Creek Resort — 970.754.4636 — beavercreek.com

Breckenridge Ski Resort — 970.453.5000 — breckenridge.com

Buttermilk — 800.525.6200 / 970.923.1227 — aspensnowmass.com

Copper Mountain Resort — 866.656.1546 — coppercolorado.com

Crested Butte Mountain Resort — 970.251.7022 — skicb.com

Echo Mountain — contact online / info@echomtn.com — echomtn.com

Eldora Mountain Resort — 303.440.8700 — eldora.com

Granby Ranch 888.850.4615 — granbyranch.com

Hesperus Ski Area — 970.385.2199 — ski-hesperus.com; not operating for 2025–26

Howelsen Hill Ski Area — 970.879.8499 — steamboatsprings.net

Kendall Mountain Ski Area — 970.759.5557 — skikendall.com

Keystone Resort — 970.754.0001 — keystoneresort.com

Loveland Ski Area — 303.571.5580 / 800.736.3SKI — skiloveland.com

Monarch Mountain — 719.530.5000 — skimonarch.com

Powderhorn Mountain Resort — 970.268.5700 — powderhorn.com

Purgatory Resort — 970.247.9000 / 800.525.0892 — purgatory.ski

Silverton Mountain — 970.387.5706 — silvertonmountain.com

Ski Cooper — 719.486.2277 — skicooper.com

Snowmass — 800.525.6200 / 970.923.1227 — aspensnowmass.com

Steamboat Ski Resort — 970.879.6111 — steamboat.com

— sunlightmtn.com

Telluride Ski Resort — 970.728.6900 — tellurideskiresort.com

Vail Mountain Resort — 970.754.8245 / 970.SKI.VAIL — vail.com

Winter Park Resort — 970.726.5514 — winterparkresort.com

Wolf Creek Ski Area — 970.264.5639 — wolfcreekski.com

RESORTS, SNOW REPORT AND PASSES VISIT: coloradoski.com

COLORADO

• Colorado contains about three-quarters of U.S. land above 10,000 feet.

• Colfax Avenue is often called the longest continuous commercial street in the U.S.

• Denver hosts the National Western Stock Show, one of the country’s top livestock, rodeo, and horse shows.

• Denver has 250+ urban parks and nearly 20,000 acres of urban and mountain parkland.

• Colorado is a major craft-beer state, but not #1 per capita; recent rankings place it around 6th.

• The Royal Gorge Bridge near Cañon City is America’s highest suspension bridge, about 956 feet above the gorge; it once held the world record.

• Glenwood Springs is home to the world’s largest hot springs pool.

• The Colorado State Capitol features rare Colorado rose onyx, once called Beulah red marble.

• The former Mount Evans Scenic Byway is now the Mount Blue Sky Scenic Byway and reaches 14,130 feet, the highest paved road in North America.

• The federal government owns about 36% of Colorado’s land.

• The Capitol’s current mile-high marker is on the 13th step.

• The Eisenhower-Johnson Memorial Tunnel is the highest vehicular tunnel in the U.S.; it was once the highest in the world.

• Katharine Lee Bates was inspired by Pikes Peak when writing “America the Beautiful.”

• Denver’s Broncos, Rockies, Nuggets, and Avalanche venues are clustered near downtown.

• Colorado and Washington were the first states to legalize recreational marijuana in 2012; Colorado’s retail sales began in 2014.

COLORADO

STATE FACTS cont.

• Colorado’s highest point is Mount Elbert, at 14,433 feet.

• The Eisenhower-Johnson Memorial Tunnel is the highest vehicular tunnel in the U.S.

• Trail Ridge Road is the highest continuous paved road in the U.S., reaching 12,183 feet.

• The Mount Blue Sky Scenic Byway is the highest paved road in North America, reaching about 14,130 feet.

• Colorado has the highest average elevation of any U.S. state.

• Denver has a debated claim as the birthplace of the cheeseburger, linked to Louis E. Ballast in 1935.

• Four Corners is the only place in the U.S. where four states meet: Colorado, Utah, Arizona, and New Mexico.

• The Colorado River gets its name from the Spanish word for “red” or “reddish.”

• The Colorado Trail runs about 567 miles from Denver to Durango.

• Denver is sunny, though the “300 days of sunshine” claim is considered more promotional than exact.

• Denver is called the Mile High City because it sits at 5,280 feet.

• The U.S. Air Force Academy moved to its Colorado Springs campus in 1958.

• Jolly Rancher started in Golden, Colorado, which is also home to Coors Brewery.

COLORADO

• ADMISSION TO STATEHOOD: August 1, 1876.

• AREA: About 104,095 sq. miles total; Colorado is the 8th largest U.S. state by area.

• HIGHEST POINT: Mount Elbert, 14,433 feet.

• LOWEST POINT: Arikaree River, 3,315 feet.

• LARGEST CITY: Denver.

• POPULATION: 6,012,561; July 1, 2025 Census estimate.

• STATE ABBREVIATION: CO.

• STATE CAPITAL: Denver.

• MAJOR INDUSTRIES: Aerospace, technology, advanced manufacturing, energy and natural resources, food and agriculture, financial services, health and wellness, tourism/outdoor recreation, and transportation/logistics.

• ORIGIN OF “COLORADO”: From Spanish, meaning “ colored red,” referring to the red-colored Colorado River.

• STATE ANIMAL: Rocky Mountain bighorn sheep.

• STATE BIRD: Lark bunting.

• STATE FOLK DANCE: Square dance.

• STATE FISH: Greenback cutthroat trout.

• STATE FLOWER: Rocky Mountain columbine, also listed as the white and lavender columbine.

• STATE FOSSIL: Stegosaurus.

• STATE GEMSTONE: Aquamarine.

• STATE GRASS: Blue grama grass.

• STATE INSECT: Colorado hairstreak butterfly.

• STATE MOTTO: Nil Sine Numine — “Nothing without providence.”

• STATE NICKNAME: The Centennial State; Colorful Colorado is a popular state slogan.

• STATE SOIL: Seitz, Colorado’s representative state soil.

• STATE SONGS: “Where the Columbines Grow” and “Rocky Mountain High.”

• STATE TREE: Colorado blue spruce.

For Colorado’s Services, Government, Employment, Education, Visitors, and much more visit co.colorado.gov

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

Update personal websites

Children’s schools