Property Details
Maps
Local Schools
Community Utilities & Resources
Title & Escrow
The information contained is provided by WFG’s Customer Service Department to our customers, and while deemed reliable, is not guaranteed.
PROPERTY DETAILS
3435 NEWLAND ST WHEAT RIDGE CO 80033
39-252-10-011
JEFFERSON COUNTY CO
OwnerInformation
OwnerName: CARNEY DAVID K / Vesting:
MailAddress: 3435 NEWLAND ST WHEAT RIDGE CO 80033
OwnerStatus: OwnerOccupied
LocationInformation
LegalDesc: BLISS BLOCK LOT 0012
County: JEFFERSON
Census/Block: 010701 / 1016
Tsp-Rng-Sec: T03S-R69W-S25
Lot/Block: Lot: 0012 Block:
HousingTract: BLISS
LastMarketSale
Date: 2022-11-23/2022-11-18
SalePrice: 654975
Document#: 2022.103820
DocType: SPECIAL WARRANTY DEED
$Sqft: $539.07
PriorSaleInformation
AltParcel# 300025368
SchoolDistrict: JEFFERSON COUNTY R-1
Municipality: WHEAT RIDGE
Parcel#: 39-252-10-011
Lender: CHERRY CREEK MORTGAGE LLC
Loan: 607975
Document#: 2022.103821
LoanType: CONVENTIONAL
LoanTerm: 30
Date: / Lender:
Price:Loan:
Document#:Document#:
DocType:LoanType:
Theaboveisbelievedtobeaccurate,butisnotguaranteed. Copyright©1995-2025CDSMarketing,Inc.
3435 NEWLAND ST WHEAT RIDGE CO 80033
39-252-10-011
JEFFERSON COUNTY CO
PropertyCharacteristics
GrossArea: 1 527
LivingArea: 1 215
AboveGrade: 1,527
Bedrooms: 3
Bath(F/H): 1/
Fireplace: YES
YearBuilt: 1954
ParkingType: Garage
GarageArea:InteriorWall
RoofShape:PorchType:
Foundation:PatioType:
RoofMaterial:AirCond:
Construction: BRICK Fixtures:
CoolingType:Equipment:
Basement:Quality:Condition:
PropertyInformation
MAPS
ASSESSOR MAP
This map/plat is being furnished as an aid in locating described land in relation to adjoining streets, natural boundaries and other land, and is not a survey of the land depicted. Except to the extent a policy of title insurance is expressly modified by endorsement, if any, the company does not insure dimensions, distances, location of easements, acreage or other matters shown thereon.
STREET MAP
This map/plat is being furnished as an aid in locating described land in relation to adjoining streets, natural boundaries and other land, and is not a survey of the land depicted. Except to the extent a policy of title insurance is expressly modified by endorsement, if any, the company does not insure dimensions, distances, location of easements, acreage or other matters shown thereon.
AERIAL MAP
This map/plat is being furnished as an aid in locating described land in relation to adjoining streets, natural boundaries and other land, and is not a survey of the land depicted. Except to the extent a policy of title insurance is expressly modified by endorsement, if any, the company does not insure dimensions, distances, location of easements, acreage or other matters shown thereon.
CITY BOUNDARY MAP
This map/plat is being furnished as an aid in locating described land in relation to adjoining streets, natural boundaries and other land, and is not a survey of the land depicted. Except to the extent a policy of title insurance is expressly modified by endorsement, if any, the company does not insure dimensions, distances, location of easements, acreage or other matters shown thereon.
SCHOOLS
3435 NEWLAND ST WHEAT RIDGE CO 80033
39-252-10-011
JEFFERSON COUNTY CO
Jefferson County School District No. R-1
ElementarySchools
Stevens Elementary School303-982-2198
4001 Reed Street WHEAT RIDGE CO 80033
AreaDesc:
Grades: PK to 05 Distance: 0.63 Miles
CharterSchool: N
MagnetSchool: N
TitleOne: SWP
Lumberg Elementary School303-982-6182
6705 West 22nd Avenue EDGEWATER CO 80214
Grades: PK to 06
CharterSchool: N
MiddleSchools
MagnetSchool: N
AreaDesc:
Distance: 1.05 Miles
TitleOne: SWP
Everitt Middle School303-982-1580
3900 Kipling Street WHEAT RIDGE CO 80033
AreaDesc:
Grades: 06 to 08 Distance: 2.05 Miles
CharterSchool: N
MagnetSchool: N
TitleOne: SWP
Creighton Middle School303-982-6282
75 Independence Street LAKEWOOD CO 80226
Grades: 06 to 08
CharterSchool: N
HighSchools
MagnetSchool: N
AreaDesc:
Distance: 3.52 Miles
TitleOne: NO
Jefferson Junior/senior High School303-982-6056
2305 Pierce Street EDGEWATER CO 80214
AreaDesc:
Grades: 07 to 12 Distance: 1.04 Miles
CharterSchool: N
MagnetSchool: N
TitleOne: SWP
Wheat Ridge High School303-982-7695
9505 West 32nd Avenue WHEAT RIDGE CO 80033
AreaDesc:
Grades: 09 to 12 Distance: 1.85 Miles
CharterSchool: N
MagnetSchool: N
TitleOne: NO
Yourassignedschoolshouldbethefirstschoolineachcategory,butitisrecommendedyoucheckwiththedistrictorschool. Theaboveisbelievedtobeaccurate,butisnotguaranteed. Copyright©1995-2025CDSMarketing,Inc.
Whatistheperformance framework?
2024PerformanceFrameworkResults
PerformanceIndicatorRatings
Howdidstudentsperformondifferentpartsofthe performanceframework?
OfficialPerformanceRating
Howareperformanceframeworkratingsdetermined?
Postsecondary& WorkforceReadiness: Meets
Achievement: Meets
Growth: Meets
Exceeds Expectations Meets Expectations
Approaching Expectations
DoesNotMeet Expectations
Howdothedifferentperformanceindicators factorintotheofficialperformancerating?
WhatisUnified ImprovementPlanning?
ImprovementStrategies
Whatstrategieshavebeenputin placetoaddressrootcauses?
Supportsystemicunit/lesson internalizationineveryclassroom Expandacultureofsafety&belonging Enhanceacultureofdataliteracy
Whatdoesthisratingmeanandhowdoesit comparetootherdistricts?
2024-25UnifiedImprovementPlan
RootCauses
Whatissuesunderliethese challenges?
Listcontinues.Clickbelowtoviewmore. Limitedstrategiesforstudentandfamily belonging/engagement Immaturedatacultureinfrastructure Differentiatedinstructionalapproaches
ClickHeretoViewFullUnifiedImprovementPlan
PerformanceChallenges
Whereisthedistrictfocusingits attention?
Inconsistentevidenced-basedreading/math instructiontomeetallstudentneeds
Lowlevelsofstudentengagement Inconsistentuseofdataforinstructional improvement
ClickHeretoViewFullPeformanceFrameworkReport
Whatistheperformance framework?
2024PerformanceFrameworkResults
PerformanceIndicatorRatings Howdidstudentsperformondifferentpartsofthe
Achievement: Approaching
Growth: Approaching
Exceeds Expectations Meets Expectations Approaching Expectations
DoesNotMeet Expectations
Howdothedifferentperformanceindicators factorintotheofficialperformancerating?
WhatisUnified ImprovementPlanning?
ImprovementStrategies
Whatstrategieshavebeenputin placetoaddressrootcauses?
Principal: KatherineMauro
OfficialPerformanceRating
Howareperformanceframeworkratingsdetermined?
Whatdoesthisratingmeanandhowdoesit comparetootherschools?
2024-25UnifiedImprovementPlan
RootCauses
Whatissuesunderliethese challenges?
PerformanceChallenges
Attendance
Whereistheschoolfocusingits attention?
MasteryofKnowledgeandSkills HighQualityWork Character ClickHeretoViewFullPeformanceFrameworkReport
MasteryandKnowledgeofskills:Math
Listcontinues.Clickbelowtoviewmore. Highacademicexpectations
MasteryofKnowledgeandSkill:ELAGrowth
SmallGroupInstruction
MasteryofKnowledgeandSkills:DIBELS8
2024PerformanceFrameworkResults
PerformanceIndicatorRatings
Whatistheperformance framework? OfficialPerformanceRating Howareperformanceframeworkratingsdetermined?
Achievement: Approaching
Growth: Approaching
DoesNotMeet Expectations Exceeds Expectations Meets Expectations Approaching Expectations
Howdothedifferentperformanceindicators factorintotheofficialperformancerating?
WhatisUnified ImprovementPlanning?
ImprovementStrategies
Whatstrategieshavebeenputin placetoaddressrootcauses?
Listcontinues.Clickbelowtoviewmore. ImplementingNewCurricularResource AcademicDiscourse
SystemicImplementationofExpeditionary LearningCrew
Whatdoesthisratingmeanandhowdoesit comparetootherschools?
2024-25UnifiedImprovementPlan
RootCauses
Whatissuesunderliethese challenges?
Listcontinues.Clickbelowtoviewmore. ELAGrowthRootCause ELAAchievementRootCause
MathAchievementRootCause
ClickHeretoViewFullUnifiedImprovementPlan JeffersonCountyR-1(1420):EverittMiddleSchool(2820)
Principal: AmandaPouliot
PerformanceChallenges
Whereistheschoolfocusingits attention?
AllStudentsinEnglishLanguageArts Growth
AllStudentsinEnglish/LanguageArts
Achievement
AllStudentsinMathAchievement
Listcontinues.Clickbelowtoviewmore.
ClickHeretoViewFullPeformanceFrameworkReport
Whatistheperformance framework?
2024PerformanceFrameworkResults
PerformanceIndicatorRatings
Howdidstudentsperformondifferentpartsofthe performanceframework?
OfficialPerformanceRating
Postsecondary& WorkforceReadiness: Approaching
Principal: LisaMahannah
Howareperformanceframeworkratingsdetermined?
Achievement: Meets
Growth: Approaching
Exceeds Expectations Meets Expectations Approaching Expectations
DoesNotMeet Expectations
Howdothedifferentperformanceindicators factorintotheofficialperformancerating?
WhatisUnified ImprovementPlanning?
ImprovementStrategies
Whatstrategieshavebeenputin placetoaddressrootcauses?
MonitorandStrengthenInstructionalCore CultureofSafetyandBelonging CultureofDataLiteracy
Whatdoesthisratingmeanandhowdoesit comparetootherschools?
2024-25UnifiedImprovementPlan
RootCauses
Whatissuesunderliethese challenges?
InterventionSystems--MTSS InconsistentEngagingLearning Opportunities FreshmanSeminarandOn-TrackGraduation Rate
Listcontinues.Clickbelowtoviewmore.
ClickHeretoViewFullUnifiedImprovementPlan
PerformanceChallenges
Whereistheschoolfocusingits attention?
CultureofInstructionalExcellence: ProfessionalLearningCommunities CultureofInstructionalExcellenceData Literacy
CultureofSafetyandBelonging
ClickHeretoViewFullPeformanceFrameworkReport
COMMUNITY
CITY OF WHEAT RIDGE
33,858 POPULATION
$92,058
MEDIAN INCOME 43
MEDIAN AGE
Wheat Ridge, Colorado, is a vibrant suburban community located just five miles west of downtown Denver, offering quick access to both city amenities and the outdoor adventures of the Rocky Mountains. Known for its blend of urban convenience and open green space, Wheat Ridge features more than 20 parks, a rich network of trails, and strong ties to urban farming and community gardens. The town is also home to a lively mix of locally owned shops, breweries, and restaurants, making it a hub for those who value both active lifestyles and a close-knit community feel.
SCHOOL DISTRICTS
Jefferson County SD R-1
HOUSING
53.2% of Homes Owner Occupied
46.8% of Homes Rented
POPULATION DENSITY
3,542 Inhabitants per Sq. Mile
15,377 Housing Units 2.16 Average Home Size
AGE DEMOGRAPHIC
16.6% under age 18
5.4% between ages 18 to 24
32.7% between ages 25 to 44
29.3% between ages 45 to 64
21.8% above age 65
CITY QUICK FACTS
9.56 Square Miles
5,459 feet elevation
Highest Average Temperature 87º
Lowest Average Temperature 25º
Averages 247 Sunny Days
Average 17” Rain & 65” Snow annually
Wheat Ridge’s history is rooted in its beginnings as an agricultural community, where fertile land and irrigation supported thriving wheat fields, orchards, and vegetable farms. The area became known for its productive farming and later for its greenhouses and carnation production, earning recognition as a key contributor to Colorado’s agricultural heritage. Over time, Wheat Ridge transitioned from a rural farming settlement into a suburban city, officially incorporating in 1969, while still holding onto its agricultural identity through community gardens and local farming traditions.
JEFFERSON COUNTY BASE MAP
3435 NEWLAND ST WHEAT RIDGE CO 80033
39-252-10-011
JEFFERSON COUNTY CO
Animal - Services
NameAddressTelephoneDistance
Carpenter,CraigJDVM-Bear3300WadsworthBlvd303-985-28360.64Mi
Shiarella,KenDVM-Western5500W38thAve303-421-55000.73Mi
O'Donnel,LeeDVM-AnimalAr2951WadsworthBlvd303-988-42280.76Mi
Young,JeffDVM-PlannedPet4170TennysonSt303-433-32911.48Mi
Wheeler,JasonLDVM-Wheat3695KiplingSt303-424-33252.16Mi
Banks
NameAddressTelephoneDistance
VectraBankColorado7391W38thAve720-947-80000.59Mi WashingtonMutual-WheatRid3850WadsworthBlvd303-463-01280.74Mi
WellsFargoBank3900WadsworthBlvd303-421-47230.77Mi
BankofAmericaATM6601W44thAve800-432-10000.80Mi Morgan-RichardB7754W38thAve303-422-34290.81Mi
Credit Unions
NameAddressTelephoneDistance
PublicServiceCreditUnion7575W5thAve303-691-23452.92Mi ElectricFederalCU5080W60thAve303-428-50802.95Mi CreditUnionofColorado9140W6thAve303-832-48163.19Mi EagleLegacyCreditUnion6221SheridanBlvd303-416-55823.20Mi PublicServiceCreditUnion900AurariaPky,#230303-691-23453.55Mi
Coffee Shops
NameAddressTelephoneDistance
BigSkyEspressoCafe7210W38thAve303-422-12360.52Mi
Theaboveisbelievedtobeaccurate,butisnotguaranteed. Copyright©1995-2025CDSMarketing,Inc.
3435 NEWLAND ST WHEAT RIDGE CO 80033
39-252-10-011
JEFFERSON COUNTY CO
Coffee Shops
NameAddressTelephoneDistance
CoffeeKlatsch3210WadsworthBlvd303-233-37550.67Mi
38thAvenueDeli&Coffee7615W38thAve303-456-58330.73Mi
Starbucks:Safeway-WheatRidg3900WadsworthBlvd303-456-26700.77Mi
TheEarthFriendlyCoffeeCom4350WadsworthBlvd,#240303-641-42830.99Mi
Eating and Drinking Places
NameAddressTelephoneDistance
DairyQueen-WheatRidge-No6790W38thAve303-420-41410.32Mi
Rumours6920W38thAve303-422-66000.37Mi
ValentesItalianRestaurant&6995W38thAve303-421-51150.39Mi
Minilla'sRestaurante7000W38thAve303-422-88720.40Mi Nuchiks7057W38thAve303-422-17710.44Mi
Golf Courses
NameAddressTelephoneDistance
WillisCaseGolfCourse4999VrainSt303-455-98011.98Mi
LakewoodCountryClub6800W10thAve303-233-05032.21Mi
ApplewoodGolfCourse14001W32ndAve303-279-30034.70Mi
EighteenHoleCourseatIndia7555WadsworthBlvd303-403-25414.81Mi
HarvardGulchGolfCourse660EColfaxAve303-698-40785.11Mi
Grocers and Supermarkets
NameAddressTelephoneDistance
SuperAmerica5990W38thAve303-431-98400.48Mi
DSHGas&FoodStores5795W29thAve303-238-71350.68Mi
Theaboveisbelievedtobeaccurate,butisnotguaranteed. Copyright©1995-2025CDSMarketing,Inc.
3435 NEWLAND ST WHEAT RIDGE CO 80033
39-252-10-011
JEFFERSON COUNTY CO
Grocers and Supermarkets
NameAddressTelephoneDistance
KingSoopers3817SheridanBlvd303-425-73560.93Mi
GroceryWarehouse4262WadsworthBlvd303-421-98120.93Mi
Avanza5801W44thAve303-477-99670.93Mi
Health Clubs and Spas
NameAddressTelephoneDistance
SantoshaYoga5810W38thAve,Ste11720-316-11360.55Mi
PlanetFitness3265WadsworthBlvd303-984-05580.67Mi
CurvesForWomen4550WadsworthBlvd303-940-39111.18Mi
24HourFitness4600W38thAve303-477-38831.26Mi
ChineseShao-LinCenterForM4012W38thAve303-455-40881.62Mi
Hospitals
NameAddressTelephoneDistance
NextcareSpecialtyHospital1601LowellBlvd303-899-51702.41Mi
Children'sHospital1056E19thAve303-861-88885.22Mi
KindredHospital-denver1920HighSt303-320-58715.73Mi
ColoradoPsychiatricHospital4200E9thAve303-315-73367.37Mi MediplexSpecialtyHospital8451PearlSt303-288-30007.59Mi
Hospitals - Acute Care
NameAddressTelephoneDistance
ExemplaLutheranMedicalCent8300W38thAve303-425-45001.12Mi CenturaHealth-stAnthonyCen4231W16thAve303-629-35112.18Mi
OrthocoloradoHospitalAtSt11800W2ndPl720-321-50004.70Mi
Theaboveisbelievedtobeaccurate,butisnotguaranteed. Copyright©1995-2025CDSMarketing,Inc.
3435 NEWLAND ST WHEAT RIDGE CO 80033
39-252-10-011
JEFFERSON COUNTY CO
Hospitals - Acute Care
NameAddressTelephoneDistance
DenverHealthMedicalCenter777BannockSt303-436-60004.93Mi
ExemplaSaintJosephHospital1835FranklinSt303-837-71115.55Mi
Hospitals - Acute Care - VA
NameAddressTelephoneDistance
VaEasternColoradoHealthcar1055ClermontSt303-393-28007.50Mi
Nursing Homes
NameAddressTelephoneDistance
ChristopherHouseRehabilitat6270W38thAve303-421-22720.34Mi
SandalwoodManor3835HarlanSt303-422-15330.49Mi
WheatridgeManorCareCenter2920FentonSt303-238-04810.66Mi
ExemplaLutheranMedicalCent8300W38thAve303-425-22851.12Mi
CambridgeCareCenter1685EatonSt303-232-44051.59Mi
Offices and Clinics of Chiropractors
NameAddressTelephoneDistance
Schardein,TimothyDC-Vital6290W44thAve303-420-60230.82Mi
Swenson,AdrianWDC-Swenso6073W44thAve,#102303-456-08500.85Mi Iselin,KerryDC-IselinChi3467W32ndAve303-433-73731.91Mi
DrDebFordChiropractic1510GlenAyrDr303-922-13412.20Mi Colagrosso,DrewBDC-ACen3890FederalBlvd303-433-71172.39Mi
Offices and Clinics of Dentists
NameAddressTelephoneDistance
SantaFeDental6175W38thAve303-940-97550.40Mi Cox,DonDDds6494W44thAve303-423-25550.80Mi
Theaboveisbelievedtobeaccurate,butisnotguaranteed. Copyright©1995-2025CDSMarketing,Inc.
3435 NEWLAND ST WHEAT RIDGE CO 80033
39-252-10-011
JEFFERSON COUNTY CO
Offices and Clinics of Dentists
NameAddressTelephoneDistance
AnthonyEMusella7760W38thAve#102303-421-40100.83Mi
WheatRidgeOralSurgery7760W38thAve-102303-421-40100.83Mi
JosephPScherber4045WadsworthBlvd#103303-421-27020.85Mi
Offices and Clinics of Medical Doctors
NameAddressTelephoneDistance
Ebner,NormanWDDS-EbnerN6605W38thAve303-424-64210.30Mi
Sullivan,CortPDDS-Sulliv6785W38thAve303-425-59030.32Mi
DERose,LouisADDS-DERos3805MarshallSt,#300303-420-84780.33Mi
Rogers,StevenWOD-Rogers6280W38thAve303-431-88870.34Mi
GoldhaberSandraBLcswPsych6990W38thAve303-756-88040.39Mi
Pet Sitting Services
NameAddressTelephoneDistance
Berman,AndrewPDVM-Adams8020SheridanBlvd303-429-97195.41Mi
AlpinePetCenter9530W80thAve303-421-37585.64Mi
AllbrickKennels&Grooming8700ZuniSt303-429-24336.78Mi
Koster,JerryDVM-Cherrelyn4690SBroadway303-781-784110.23Mi
Pharmacies
NameAddressTelephoneDistance
HaldunIncAColoradoCorpora6650W38thAve303-421-61110.28Mi ChristopherHouse6270W38thAve303-421-22720.30Mi
AspenHillDental,Pc7015W38thAve303-940-97550.43Mi
APersonalTouchHomeOxygen7111W29thAve303-817-58210.57Mi
Theaboveisbelievedtobeaccurate,butisnotguaranteed. Copyright©1995-2025CDSMarketing,Inc.
39-252-10-011
Pharmacies
NameAddressTelephoneDistance
EagleRidgeAtGrandValley3885UPHAMSTSTE55303-238-38380.62Mi
Places of Religion
NameAddressTelephoneDistance
StPeter&PaulChurch3900PierceStN/A0.41Mi
GideonsInternational1715POBox303-366-42680.42Mi
HealingWatersFamilyCtr6475W29thAveN/A0.47Mi
WheatRidgeCongregationUntd6310W29thAve303-238-62710.49Mi
OurLadyOfSnowChapel4101LamarSt303-425-70510.58Mi
NameAddressTelephoneDistance
HighlandWestApartments-Re6340W38thAve303-424-81320.29Mi
HighlandSouthApartments6360W38thAve303-425-01970.32Mi
TemenosElderCare3113TellerSt303-233-28080.50Mi
MorningSideRetirementCommu3610VanceSt303-421-77020.56Mi
SpringRidgePark5361W26thAve303-233-85181.02Mi
Theaboveisbelievedtobeaccurate,butisnotguaranteed. Copyright©1995-2025CDSMarketing,Inc.
UTILITIES & RESOURCES
WHEAT RIDGE UTILITIES
Emergency/Police/Medical/Fire
911
Poison Control (800) 222-1222
www.aapcc.org
United States Postal Service (800) 275-8777
www.usps.com
X
finity (800) 934-6489
www.xfinity.com
Dish Network (800) 318-0572 www.dish.com
DIRECT TV (800) 833-4388 www.directtv.com
The Denver Post (303) 832-3232 www.denverpost.com
Regional Transportation District (RTD) (303) 299-6000 www.rtd-denver.com
Xcel Energy (303) 615-5000 my.xcelenergy.com
Colorado Natural Gas (800) 720-8193 www.coloradonaturalgas.com
Wheat Ridge Sanitation District (303) 424-7252
www.wheatridgesanitation.com
Wheat Ridge Water District (303) 424-2844 www.wrwdistrict.com
Waste Management Garbage (303) 797-1600 www.wm.com
Waste Connections (303) 288-2100 www.wcdenver.com
Jefferson County School District (303) 982-6500 www.jeffcopublicschools.org/
CHANGE OF ADDRESS
USPS
Below is the website if you would like to change your address online or you can visit your local post o ce, they will provide you with the change of address packet.
https://moversguide.usps.com
Bene ts you will receive when you change your address online are:
♦ Exclusive mover savings coupons
♦ Safe and secure with identity veri cation by a simple $1.00 charge to your credit or debt card
♦ Email con rmation at the end of registration of your change of address
* Must have valid email address and credit card to register online.
Colorado Department of Transportation
Below is the website if you would like to change your address online or have any questions.
Region 1 and Headquarters
Denver/Central Colorado 2829 W Howard Place Denver, CO 80204 (303) 759-2368
www.codot.gov
VOTER REGISTRATION
Below is the website if you would like to change your address online or you can ll out the paperwork provided and mail it back to your County Elections O ce listed below.
sos.state.co.us/voter/pages/pub/home.xhtml
County Elections O ce Contacts
Adams County
4430 S Adams County Pkwy 1st Floor, Suite E3102 Brighton, CO 80601 (720) 523-6500
Arapahoe County 5334 S Prince St Littleton, CO 80120 (303) 795-4511
Boulder County 1750 33rd St, Suite 200 Boulder, CO 80301 (303) 413-7740
Broom eld County One DesCombes Dr Broom eld, CO 80020 (303) 438-6332
Denver County 200 W 14th Ave Denver, CO 80204 (720) 913-8683
Douglas County 125 Stephanie Place Castle Rock, CO 80109 (303) 660-7444
El Paso County 1675 W Garden of the Gods Rd Suite 2201 Colorado Springs, CO 80907 (719) 520-6202
Je erson County 3500 Illinois Street, Suite 1100 Golden, CO 80401 (303) 271-8168
MOVING CHECKLIST
UTILITIES
Electric
NW Natural Gas
Water District
Sewer District
Garbage Provider
Cable/Satellite
Fuel (Propane)
Phone Services
Internet
FINANCIAL INSTITUTIONS
Banks and Credit Unions
Credit Card Companies (including department store credit cards)
Lenders
(Mortgage, Home Equity, Auto, Student Loans)
Insurance Companies (Health, Renters, Auto, Home, Medical, Dental, Disability, Life)
Retirement (Pension plans, 401K, Social Security, Veterans A airs)
Investments
(Investment Agencies and Brokers)
Online Bill Payer
Paypal
GOVERNMENT OFFICES
US Post O ce
Department of Motor Vehicles
(Obtain your driver’s license and change vehicle registration)
IRS
Passport O ce
Veteran A airs
Unemployment O ce
(If you are currently receiving unemployment bene ts)
HEALTH
Physician
Pharmacies
SERVICE PROVIDERS
Childcare
Housecleaning Services
Delivery Services
Lawn Care Services
Veterinarian
Pool Service
MEMBERSHIPS
Health Clubs
Membership Clubs (AAA or similar)
Community Groups (PTA, Neighborhood Associations, Civic Clubs)
Children’s Extracurricular Activities (Dance Classes, Music Lesson, Sports Clubs)
SUBSCRIPTIONS
Newspapers
Magazine (USPS will only forward 2 months)
Movie Subscriptions
(Net ix, Blockbuster, etc)
Book or Music Clubs
OTHER
Friends and Family Employers
(typically notify the Human Resources Department)
MOVING CHECKLIST
8 WEEKS BEFORE YOUR MOVE
Inventory Sheets: Create an inventory sheet of all your belongings which need to be moved
Research Moving Options: You’ll need to decide if yours is a do-it-yourself move or if you’ll be using a moving company.
Request Moving Quote: Solicit moving quotes from as many moving companies and movers as possible. There can be a large di erence between rates and services within moving companies.
Discard Unnecessary Items: Moving is a great time for ridding yourself of unnecessary items. Have a yard sale or donate unnecessary items to charity.
Packing Material: Gather moving boxes and packing material for your move.
Contact Insurance Companies: You’ll need to contact your insurance agent to cancel/transfer your insurance policy.
4 WEEKS BEFORE YOUR MOVE
Start Packing: Begin packing all things destined for your new location.
Obtain Your Medical Records: Contact your doctor, physician, dentist and other medical specialists who may currently be retaining any of your family’s medical records. Obtain these records or make plans for them to be delivered to your new medical facilities if changing. Security is critical of personal records.
Note Food Inventory Levels: Check your cupboards, refrigerator and freezer. Use up as much of your perishable food as possible.
Small Engines: Service small engines for your move by extracting gas and oil from the machines. This will reduce that chance to catch re during your move.
Protect Jewelry and Valuables: Transfer your jewelry and valuables to a safety deposit box; you don’t want them to be lost or stolen during your move.
Borrowed and Rented Items: Return items which you may have borrowed or rented. Collect items borrowed to others.
1 WEEK BEFORE YOUR MOVE
Your Change of Address: Change your address with the USPS, DMV, Financial Institutions, Utilities, Government O ces, Health Care Service Providers, Memberships, Subscriptions and Insurance Provisions.
Bank Accounts: Transfer or close bank accounts if changing banks. Make sure to have a money order for paying the moving company.
Service Automobiles: If automobiles are to be driven long distance, you’ll want to have them serviced so you have a trouble-free drive.
Cancel Services: Notify any remaining service providers (newspapers, lawn services, etc.) of your move.
Travel Items: Set aside all items you’ll need while traveling. Make sure these are not packed on the moving truck..
Contact Utility Companies: Set utility turno date, seek refunds and deposits and notify them of your new address.
MOVING DAY
Plan Your Itinerary: Make plans to spend the entire day at the house or at least until the movers are on their way. Someone will need to be around to make decisions. Make plans for kids and pets to be at a sitters for the day.
Review the House: Once the house is empty, check the entire house (closets, attic, basement, etc.) to ensure no items are left or no home issues exist.
Double Check With Your Mover: Ensure the mover has the new property address and all of your most recent contact information, should they have any questions during your move.
Vacate Your Home: Make sure utilities are o , doors and windows are locked and notify your real estate agent you’ve vacated the property.
Questions To Ask: Where is the garage door opener? Where are the keys to the house, mailbox and other lockable area? Did you retrieve all keys from neighbors and friends?
AIRPORT
RESOURCE GUIDE
Denver International Airport (720) 730-4359 www. ydenver.com
AUTO & DRIVER REGISTRATION
Department of Transportation (303) 759-2368 www.codot.gov
BUS SERVICE
RTD (303) 299-6000 www.rtd-denver.com
Greyhound (800) 231-2222 www.greyhound.com
CABLE TV, INTERNET, PHONE & SATELLITE
Century Link (877) 803-8414 www.centurylink.com
Dish Network (800) 318-0572 www.dish.com
DIRECT TV (800) 531-5000 www.directtv.com
Spectrum (844) 509-8921 www.spectrum.com
XFINITY (800) 934-6489 www.comcast.com
CITY CONTACT
Arvada - (720) 898-7000 www.arvadaco.gov
Aurora - (303) 739-7000 www.auroragov.org
Boulder - (303) 441-3388 www.bouldercolorado.gov
Brighton - (303) 665-2000 www.brightonco.gov
Broom eld - (303) 469-3301 www.broom eld.org
Castle Rock - (303) 660-1015 www.castlerock.org
Centennial - (303) 325-8000 www.centennialco.gov
Colorado Springs (719) 385-2489 www.coloradosprings.gov
Commerce City (303) 289-3600 www.c3gov.com
Denver - (720) 913-1311 www.denvergov.org
Englewood - (303) 762-2300 www.englewoodgov.org
Erie - (303) 926-2700 www.erieco.gov
Federal Heights (303) 428-3526 www.fedheights.org
Fountain - (719) 332-2000 www.fountaincolorado.org
Glendale - (303) 759-1513 www.glendale.co.us
Golden - (303) 384-8000 www.cityofgolden.net
CITY CONTACT
Greenwood Village (303) 773-0252 www.greenwoodvillage.com
Highlands Ranch (303) 791-0430 www.highlandsranch.org
Lafayette - (303) 665-5588 www.cityo afayette.com
Lakewood - (303) 987-7000 www.lakewood.org
Littleton - (303) 795-3700 www.littletongov.org
Lone Tree - (303) 708-1818 www.cityo onetree.com
Longmont - (303) 776-6050 www.longmontcolorado.gov
Louisville - (303) 666-6565 www.louisvilleco.gov
Manitou Springs (719) 685-5481 www.manitouspringsco.gov
Northglenn - (303) 451-8326 www.northglenn.org
Parker - (303) 841-0353 www.parkeronline.org
Superior - (303) 499-3675 www.superiorcolorado.gov
Thornton - (303) 538-7575 www.cityofthornton.net
Westminter - (303) 658-2400 www.cityofwestminster.us
Wheat Ridge - (303) 234-5900 www.ci.wheatridge.co.us
RESOURCE GUIDE
COUNTY CONTACTS
Adams 4430 S Adams County Pkwy Brighton, CO 80601 (303) 659-2120
Arapahoe 5334 S Prince St Littleton, CO 80120 (303) 795-4400
Boulder County 1750 33rd St Boulder, CO 80301 (303) 413-7740
Broom eld County One DesCombes Dr Broom eld, CO 80020 (303) 469-3301
Denver County
200 W 14th Ave Denver, CO 80204 (720) 913-1311
Douglas County 125 Stephanie Place Castle Rock, CO 80109 (303) 660-7400
El Paso County 1675 W Garden of the Gods Rd Colorado Springs, CO 80907 (719) 520-7276
Je erson County 100 Je erson County Pkwy Golden, CO 80419 (303) 271-6511
ELECTRICITY
CORE Electric (303) 688-3100 www.core.coop
Xcel Energy (303) 615-5000 my.xcelenergy.com
MAJOR MEDICAL FACILITIES
AllHealth Network (303) 730-8858 www.allhealthnetwork.org
Anschutz (720) 848-0000 www.uch.edu
Avista (303) 673-1000 www.avistahospital.org
Boulder Community Hospital (303) 440-2273 www.bch.org
Castle Rock Adventist (720) 455-5000 www.centura.org
Centennial Medical Plaza (303) 699-3000 www.auroramed.com
Children’s Hospital Colorado (720) 777-1234 www.childrenscolorado.org
Craig Hospital (303) 789-8000 www.childrenscolorado.org
Denver Health (303) 436-6000 www.denverhealth.org
Good Samaritan (303) 689-4000 www.sclhealth.org
Kaiser Permanente (303) 338-3800 www.kp.org
Littleton Adventist Hospital (303) 730-8900 www.littleton-adventist-hospital
Lutheran Medical Center (303) 425-4500 www.lutheranmedicalcenter.org
MAJOR MEDICAL FACILITIES
Medical Center of Aurora (303) 695-2600 www.auroramed.com
North Suburban Medical (303) 451-7800 www.northsubruban.com
Parker Adventist Hospital (303) 269-4000 www.parkerhospital.org
Platte Valley Medical (303) 498-1600 www.pvmc.org
Porter Adventist Hospital (303) 778-1955 www.mylittletonhospital.org
Presbyterian / St Luke’s (303) 839-6000 www.pslmc.com
Rocky Mountain Hospital (720) 754-1000 www.rockymountainhospitalforchildren.com
Rose Medical Center (303) 320-2121 www.rosemed.com
Sky Ridge Medical Center (720) 225-1000 www.skyridgemedcenter.com
St. Anthony Medical Center (720) 225-1000 www.stanthonyhosp.org
Swedish Medical Center (866) 779-3474 www.swedishhospital.com
UCHealth (720) 516-1000 www.uchealth.org
University of Colorado Hospital (303) 372-0000 www.uch.edu
RESOURCE GUIDE
RECREATION
Aquarium (303) 561-4450 www.downtownaquariumdenver.com
Black Canyon of Gunnison 9800 Hwy 347, Montrose www.nps.gov
Butter y Pavilion (303) 469-5441 www.butter ies.org
Boondocks (720) 842-1100 www.boondocks.com/parker
Castle Rock Adventure Park (720) 733-9477 www.castlerockziplinetours.com
Cheyenne Mountain Zoo (719) 633-9925 www.cmzoo.org
Children's Museum Denver (303) 433-7444 www.mychildsmuseum.org
Colorado State Parks (303) 470-1144 www.colorado.gov/capitol
Coors Brewing Company (303) 277-2337 www.coors.com
Denver Botanic Gardens (720) 865-3500 www.botanicgardens.org
Denver Zoo (720) 337-1400 www.denverzoo.org
Dinosaur Ridge (303) 697-3466 www.dinoridge.org
Elitch Gardens Amusement Park (303) 595-4386 www.elitchgardens.com
RECREATION
Family Sports Center (303) 708-9500 www.ssprd.org
Four Mile Historic Park (303) 399-1859 www.fourmilepark.org
Garden of the Gods (719) 634-6666 www.gardenofgods.com
Great Sand Dunes National Park and Preserve 11999 State Hwy 150, Mosca www.nps.gov
Heritage Square (303) 727-8437 www.heritagemusementpark.com
Hudson Gardens (303) 797-8565 www.hudsongardens.org
Lakeside Amusement Park (303) 477-1621 www.lakesideamusementpark.com
Lollipop Park (303) 761-8700 www.lollipoppark.com
Mile High Flea Market (303) 289-4656 www.milehigh eamarket.com
National Center for Atmospheric Research (303) 497-1174 www.ucar.edu
Pikes Peak Cog Railway (719) 685-5401 www.cograilway.com
Pirates Cove Family Aquatic (303) 762-2683 www.piratescovecoloardo.com
RECREATION
Rocky Mountain National Park 1000 US Hwy 36, Estes Park www.nps.gov
Tiny Town (303) 697-6829 www.tinytownrailroad.com
Waterworld (303) 427-7873 www.waterworldcolorado.com
SHOPPING
Arapahoe Marketplace 8505 E Arapahoe Rd Greenwood Village, CO
Arapahoe Crossings 6400-6700 S Park Rd Aurora, CO
Bowles Crossing 8055 W Bowles Ave Littleton, CO
Centennial Promenade 9555 E County Line Rd Centennial, CO
Chapel Hills Mall 1710 Briargate Blvd Colorado Springs, CO
Cherry Creek North 299 Milwaukee St Denver, CO
Cherry Creek 3000 E 1st Ave Denver, CO
Citadel Mall 750 Citadel Dr E Colorado Springs, CO
Colorado Mills 14520 W Colfax Ave Lakewood, CO
RESOURCE GUIDE
SHOPPING
Denver Pavilions 16th Street Mall and Glenarm Pl Denver, CO
Downtown Boulder Pearl Street and Broadway Boulder, CO
Festival Shopping Center 8110 S University Blvd www.festivalshoppingcenter.com
FlatIron Crossing One W Flatiron Crossing Dr Broom eld, CO
Heritage Hills 9227 Lincoln Ave Lone Tree, CO
Larimer Square 1430 Larimer Denver, CO
Marketplace at Northglenn 104th Ave and I-25 Denver, CO
Marina Square
8101 E Belleview Ave Denver, CO
Oakbrook
311 E County Line Rd Littleton, CO
Outlets at Castle Rock
5050 Factory Shops Blvd Castle Rock, CO
Park Meadows 8401 Park Meadows Center Dr Lone Tree, CO
Shops at Highland Walk 4000 Red Cedar Dr Highlands Ranch, CO
Southlands E Smoky Hill Rd and E-470 Aurora, CO
SHOPPING
Shops at Highland Walk 4000 Red Cedar Dr Highlands Ranch, CO
Southwest Plaza 8501 W Bowles Ave Littleton, CO
The Streets at SouthGlenn 6991 S Vine St Centennial, CO
Town Center at Aurora 14200 E Alameda Ave Aurora, CO
Twenty Ninth Street
Arapahoe Ave and 28th St Boulder, CO
Willow Creek 8200 S Quebec St Centennial, CO
Village at the Peaks 1250 S Hover Rd Longmont, CO
TRANSFER STATIONS
Colorado Springs Transfer Station
wmsolutions.com 1965 Commercial Blvd Colorado Springs, CO 80906
South Metro Transfer Station wmsolutions.com 2400 West Union Avenue Englewood, CO 80110
D&R Transfer Station wmsolutions.com 6091 Brighton Blvd Commerce City, CO 80022
VOTER REGISTRATION
Adams County 4430 S Adams County Pkwy 1st Floor, Suite E3102 Brighton, CO 80601 (720) 523-6500
Arapahoe County 5334 S Prince St Littleton, CO 80120 (303) 795-4511
Boulder County 1750 33rd St, Suite 200 Boulder, CO 80301 (303) 413-7740
Broom eld County One DesCombes Dr Broom eld, CO 80020 (303) 438-6332
Denver County 200 W 14th Ave Denver, CO 80204 (720) 913-8683
Douglas County 125 Stephanie Place Castle Rock, CO 80109 (303) 660-7444
El Paso County 1675 W Garden of the Gods Suite 2201 Colorado Springs, CO 80907 (719) 520-6202
Je erson County
3500 Illinois Street, Suite 1100 Golden, CO 80401 (303) 271-8168
TITLE & ESCROW
CYBER SECURITY
Because of you… we obsess over cyber security!
Cyber fraud and email hacking is on the rise. Fraudsters may access individual email accounts and monitor the life of your transaction. At the time funds are due to the escrow, fraudsters intercept the information for wiring funds and the fraudsters change the information without the knowledge of the sender or recipient, resulting in the funds being sent to an outside account and never credited to the intended party.
To protect and reduce your risk, WFG has implemented the following procedures for outgoing and incoming wires:
Outgoing Wire from WFG to seller or borrower for proceeds
In the escrow paperwork provided you will be asked to provide written instructions on how you want funds dispersed at the close of escrow. If you choose to have the funds sent via wire transfer, WFG will contact you by phone to con rm the wire information provided.
Incoming Wires from buyer and/or lender to WFG bank account
For funds that are to be wired to WFG for your transaction, we will send speci c wire instructions to the remitting person via an encrypted email. We recommend you reach out to your WFG contact to con rm the wire instructions prior to remittance.
We look forward to processing your escrow transaction for you. We know that this can be a stressful time and we are here to assist you in any way we can to make this a good experience.
http://national.wfgnationaltitle.com/2016/04/05/obsess-cyber-security/
WIRE FRAUD
PROTECT YOUR MONEY WHEN BUYING A HOME: YOUR WIRE FRAUD CHECKLIST
Every day, hackers try to steal your money by emailing fake wire instructions. Criminals will use a similar email address and steal a logo and other info to make it look like the email came from your real estate agent or title company. You can protect yourself and your money by following the steps below.
Don’t send sensitive nancial information via email.
Call, don’t email. Con rm your wiring instructions by phone using a known number before transferring funds.
We will never email wiring instructions to you nor change WFG account information after it’s been provided to you by our sta .
Keep your email account clean, remove any stale messages. Hackers can watch your business patterns and use this information against you.
Ask your bank to con rm the name on the account before sending a wire.
Call your title company or real estate agent within four to eight hours to con rm they have received your money.
This is for informational purposes only and should not be considered legal advice.
WHY IS OWNER’S TITLE INSURANCE IMPORTANT?
The purchase of a home is likely going to be one of the most expensive and important purchases you will ever make. You and your mortgage lender want to make sure the property is indeed yours and that no individual or government entity has any right, lien, claim, or encumbrance to your property.
The title insurance company’s function is to make sure your rights and interests to the property are clear, that transfer of title takes place e ciently, and correctly, and your interests as a homebuyer are protected. Title insurance companies provide services to buyers, sellers, real estate developers and builders, mortgage lenders, and others who have an interest in the real estate transfer. Title companies issue two types of policies - “Owners Policy” (which covers the homebuyer) and “Lenders Policy” (which covers the bank, savings and loan, or other lending institution over the life of a loan). Both are issued at the time of purchase for a one-time premium.
The title company conducts an extensive search of public records to determine if anyone other than you has an interest in the property before issuing a policy. The search may be performed by title company personnel using either public records, or more likely, information gathered, reorganized, and indexed in the company’s title “plant”. With such a thorough examination of records, title problems can usually be found and cleared up prior to purchase of the property. Once a title policy is issued, if for some reason any claim, which is covered under your title policy, is ever led against your property, the title company will pay the legal fees involved in defense of your rights as well as any covered loss arising from a valid claim. That protection, which is in e ect as long as you or your heirs own the property, is yours for a one-time premium paid at the time of purchase.
The title company works to eliminate risks before they develop. This makes title insurance di erent from other types of insurance. Most forms of insurance assume risks by providing nancial protection through a pooling of risks or losses arising from unforeseen events, like re, theft, or accident. The purpose of title insurance, on the other hand, is to eliminate risks and prevent losses caused by defects in title that happened in the past. Risks are examined and mitigated before property changes hands. Eliminating risk has bene ts to both of you, the home buyer, as well as the title company. It reduces the chance adverse claims might be raised, and by doing so reduces the number of claims that have to be defended or satis ed. This keeps costs down for the title company and your title premiums low. With title insurance you are assured that any valid claim against your property will be taken on by the title company, and that the odds of a claim being led is slim.
WHAT IS ESCROW
When your o er has been accepted and conveyed, escrow is opened. An escrow is an arrangement made under contract between a buyer and seller. As the neutral third party, escrow is responsible for receiving and disbursing money and/ or documents. Both the buyer and seller expect the escrow agent to carry out their written instructions associated with the transaction and also to advise them if any of their instructions are not being met, or cannot be met. If the instructions from all parties to an escrow are clearly set out, the escrow o cer can proceed on behalf of the buyer and seller without further consultation.
TYPICAL ROLES IN THE CLOSING PROCESS
The Seller/Agent
• Delivers Purchase Sale Agreement to the escrow agent
• Prepares the paperwork necessary to close the transaction
• Approves the commitment for title insurance, or other items as called for by the Purchase Sale Agreement
The Buyer/Agent
• Deposits funds required to close with the escrow agent
• Executes the paperwork and loan documents necessary to close the transaction
The Lender
• Deposits loan documents to be provided by the buyer
• Deposits the loan funds
• Informs the escrow agent of the conditions under which the loan funds may be used
The Escrow Agent
• Clears Title
• Obtains title insurance
• Obtains payo s and release documents for underlying loans on the property
• Receives funds from the buyer and/or lender
• Prepares vesting document a davit on seller’s behalf
• Prorates insurance, taxes, rents, etc.
• Prepares a nal statement (often referred to as the Closing Disclosure or CD) for each party, indicating amounts paid in conjunction with the closing of your transaction
• Forwards deed to the county for recording
• Once the proper documents have been recorded, the escrow agent will distribute funds to the proper parties
Escrow is the process that gathers and processes many of the components of a real estate transaction. The escrow agent is a neutral third party acting on behalf of the buyer and seller.
WHAT IS TITLE
Title insurance insures against nancial loss from defects in title, liens, or other matters. It protects both purchasers and lenders against loss by the issuance of a title insurance policy. Usually, during a purchase transaction the lender requests a policy (commonly referred to as the Lender’s Policy) while the buyers receive their own policy (commonly referred to as an Owner’s Policy).
It will protect against lawsuits if the status of the title to a parcel or real property is other than as represented, and if the insured (either the owner or lender) su ers a loss as a result of a title defect. The insurer will reimburse the insured for that loss and any related legal expenses.
How is title insurance di erent than other types of insurance?
While the purpose of most other types of insurance is to assume risk through the pooling of monies for losses happening because of unforeseen future events (like sickness or accidents), the primary purpose of title insurance is to eliminate risks and prevent losses caused by defects in title arising out of events that have happened in the past. To achieve this, title insurers perform a thorough search and examination of the public records to determine whether there are any adverse claims (title defects) attached to the subject property. These defects/claims are either eliminated prior to the issuance of a title policy or their existence is excepted from coverage. The policy is issued after the closing of your new home, for a one time nominal fee, and is good for as long as you own the property.
What’s involved in a title search?
A title search is made up of three separate searches:
• Chain of Title – History of the ownership of the subject property
• Lien & Encumbrance Search – Discloses liens and encumbrances on the subject property
• Exceptions from Coverage Search –Includes Easements, Covenants, Conditions and Restrictions, etc.
After the three searches have been completed, the le is reviewed by an examiner who determines:
• If the Chain of Title shows that the party selling the property has the rights to do so.
• Whether there are any unsatis ed judgments on the Judgment and Name Search against the previous owners, sellers, or/and purchasers.
Rights established by judgment decrees, unpaid federal income taxes, and mechanics liens all may be prior claims on the property, ahead of the buyer’s or lender’s rights. The title search will only uncover issues in title that are of public record and therefore allowing the title company to work with the seller to clear up these issues and provide the new buyer with title insurance.
Once the searches have been examined, the title company will issue a commitment, stating the conditions under which it will insure title. The buyer, seller, and the mortgage lender will proceed with the closing of the transaction after clearing up any defects in the title that have been uncovered by the search and examination.
WHO PAYS FOR WHAT IN COLORADO
The examples below are typical. However, the real estate purchase agreement will ultimately determine who is paying for what expenses.
The Seller
• Real Estate Commission
• Document preparation fee for Deed
• Payo of all loans in the seller’s name (or existing loan balance if being assumed by Buyer)
• Interest accrued to lender being paid o
• Statement Fees, Reconveyance Fees, and any prepayment penalties to Payo Lender
• Home Warranty (according to contract)
• Any judgments, tax liens, etc. against the seller
• Tax proration (for any taxes unpaid at time of transfer of title)
• Any unpaid Homeowners’ Association dues
• Recording charges to clear documents of record against seller
• Any bonds or assessments (according to contract)
• Any and all delinquent taxes
• Notary Fees
Personal Property vs. Real Property
The Buyer
• Title Insurance Premium for Lender’s Policy
• Escrow Fee (one half)
• Document preparation (if applicable)
• Notary fees
• Recording charges for all documents in Buyers’ names
• Tax proration (from date of acquisition)
• Homeowners’ Association transfer fee
• HOA proration (from date of acquisition)
• All new loan charges (except those required by lender for seller to pay
• Interest on new loan from date of funding to 30 days prior to rst payment date
• Assumption/Change of Record fees for takeover of existing loan (if applicable)
• Bene ciary Statement Fee for assumption of existing loan (if applicable)
• Inspection Fees (roo ng, property inspection, geological)
• Home Warranty (according to contract)
• Fire Insurance Premium for rst year
• Any bonds or assessments (according to contract)
The distinction between personal property and real property can be the source of di culties in a real estate transaction. A purchase contract is normally written to include all real property; that is, all aspects of the property that are fastened down or which are an integral part of the structure. For example, this would include light xtures, drapery rods, attached mirrors, and trees and shrubs in the ground. It would not include potted plants, free-standing refrigerators, washer/dryer, microwave, bookcases, lamps, etc. If there is any uncertainty whether an item is included in the sale or not, it is best to be sure that the particular item is mentioned in the purchase agreement as being included or excluded.
DISCLAIMER:
This information is provided for informational purposes only and no warranties are made.
TITLE VESTING
TENANCY IN SEVERALTY
Ownership of property vested in one person rather than held jointly with another.
JOINT TENANCY WITH RIGHT OF SURVIVORSHIP TENANCY IN COMMON
Parties need not be married; may be more than two persons.
Parties need not be married; may be more than two persons.
Also called sole tenancy.
The sole owner may use, encumber, rent, sell, and convey at their discretion.
The owner may transfer the property via a Will, Trust, or a Bene ciary Deed upon their death.
Each joint tenant holds an equal and undivided interest in the estate, unity of interest.
Upon death, the estate of the decedent must be “cleared” through probate or adjudication.
One joint tenant can partition the property by selling his or her joint interest.
Each joint tenant holds an undivided fractional interest in the estate. May be disproportionate interest e.g. 20% and 80%; 40% and 60%; etc.
Each tenant’s share can be conveyed, mortgaged, or devised to a third party.
Requires signatures of all joint tenants to convey or encumber the whole.
Requires signatures of all to convey or encumber the whole.
Estate passes to surviving joint tenants outside of probate.
No court action required to “clear” title upon the death of joint tenant(s).
Upon death, the tenant’s proportionate share passes to his or her heirs by will or intestacy.
Upon death, the estate of the decedent must be “cleared” through probate or adjudication.
DISCLAIMER – The foregoing contains informational examples only and is not to be construed as legal advice. Given the complexities involved in acquiring and holding legal title to real property, WFG strongly recommends that you seek legal advice from an attorney prior to doing so.
55 Madison Street, Suite 690
Denver, CO 80206 (720) 475-8325
NORTH
12050 N Pescos Street, Suite 110 Westminster, CO 80234 (720) 475-8350
8610 Explorer Drive, Suite 105
Colorado Springs, CO 80920 (719) 598-5355
7800 E Union Avenue, Suite 310 Denver, CO 80237 (720) 475-8300
3. DENVER TECH CENTER / COMMERCIAL
4.
METRO OFFICE
2. COLORADO SPRINGS OFFICE
1. CHERRY CREEK OFFICE
TABLE OF CONTENTS
Altos Market Report
WFG’s My Home
Talking House Tent Cards
CC&R’s (if applicable)
The information contained is provided by WFG’s Customer Service Department to our customers, and while deemed reliable, is not guaranteed.
REPORT FOR 9/25/2025
Single-Family Homes
This week the median list price for Wheat Ridge, CO 80033 is $700,000 with the market action index hovering around 36. This is less than last month's market action index of 37. Inventory has increased to 73.
Market Action Index
This answers “How’s the Market?” by comparing rate of sales versus inventory.
Slight Seller's Advantage
Market Narrative
The market has been cooling over time and prices plateaued for a while. Despite the consistent decrease in MAI, 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.
of
Median List 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. 7-Day Median
Segments
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.
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 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 been cooling over time and prices plateaued for a while. Despite the consistent decrease in MAI, 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.
Median Days on Market (DOM)
The properties have been on the market for an average of 70 days. Half of the listings have come newly on the market in the past 43 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.
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CONSUMER EXPERIENCE TIMELINE
TRANSACTION CLOSED
GATHER UP
SIGNING SCHEDULED
CLOSE TO SIGNING
TITLE CLEARED
UPDATER INVITATION
TITLE REPORT DELIVERED
TRANSACTION STARTED
MIDPOINT FEEDBACK
EARNEST MONEY
THINGS TO REMEMBER
Covenants, Conditions & Restrictions
Our search found no CC&R’s of record for this property. However, no examination of title has been made and WFG National Title assumes no liability.