379 SISNEROS STREET, CENTER, CO 81125
Regina Ortega, a beacon of compassion and expertise in the real estate world, seamlessly integrates her Colorado upbringing with her profound dedication to families, and commitment to serving others. Born and raised amidst the breathtaking beauty of Colorado, Regina's love for her hometown runs deep, matched only by her unwavering enthusiasm to ensure families find their perfect sanctuary within it.
303-819-7361
Regina.Ortega@edprather.com
274 Union Blvd Suite 450, Lakewood, CO
Regina Ortega embodies the spirit of Colorado hospitality, blending her love for her community with her passion for real estate, and dedication to family values. With her guidance, families find not just houses, but homes where they can build a lifetime of cherished moments together.
Ortega embodies the of Colorado her love for her with her for real estate, and dedication to values. With her families find not but homes where can build a lifetime of moments
As a seasoned real estate agent and a devoted mother of two, Regina understands firsthand the importance of family and the sanctity of home. Regina operates with an educator's heart, guiding her clients through the intricacies of the market with patience and expertise. Her personal experiences enrich her professional approach, infusing it with empathy and a deep understanding that a home is more than just a property—it's where cherished memories are made and families thrive.
She empowers buyers and sellers alike with knowledge, ensuring they make informed decisions every step of the way. Regina's tenacity shines brightest during negotiations, where she fearlessly advocates for her clients' best interests. Like a fierce guardian, she fights tirelessly to secure every detail necessary for her clients' comfort and security in their new homes.
Beyond the transactional aspect, Regina fosters genuine connections with her clients, understanding that each interaction is an opportunity to make a positive impact. Her warm demeanor and genuine care create lasting relationships, earning her not only clients but also friends for life.
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.
379 SISNEROS ST CENTER CO 81125
485733310016
SAGUACHE COUNTY CO
OwnerInformation
OwnerName: ARIAS LAURA MARIE / ARIAS RAMON ARMANDO
Vesting: JOINT TENANT
MailAddress: 379 SISNEROS ST CENTER CO 81125
OwnerStatus:
LocationInformation
LegalDesc: SOUTH 1/2 OF LOT 20 ALL OF LOTS 21 & 22 BLOCK 38 SIMS & BENJAMIN CENTER
County: SAGUACHE
Census/Block: 977700 / 3023
Tsp-Rng-Sec: T-R-S
Lot/Block: Lot: 20 Block: 38
HousingTract: SIMS BEN CENTER
LastMarketSale
AltParcel# R017182
SchoolDistrict: CENTER 26-JT
Municipality:
Parcel#: 485733310016
Date: / Lender:
SalePrice:Loan: Document#:Document#: DocType:LoanType:
$Sqft: $ LoanTerm: PriorSaleInformation
Date: / Lender:
Price:Loan:
Document#:Document#: DocType:LoanType:
379 SISNEROS ST CENTER CO 81125
485733310016
SAGUACHE COUNTY CO
PropertyCharacteristics
GrossArea: 1120
LivingArea: 1120
AboveGrade: 1,120
Bedrooms: 4
Bath(F/H): 1/
GarageArea:InteriorWall
RoofShape: GABLE
PorchType:
Foundation:PatioType:
RoofMaterial: ASPHALT
Fireplace:HeatType:
YearBuilt: 1949
CoolingType:Equipment:
ParkingType: Garage ExteriorWall: STUCCO
Units:Rooms: 5 Pool: No
Basement:Quality:
PropertyInformation
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.
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.
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.
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.
379 SISNEROS ST CENTER CO 81125
485733310016
SAGUACHE COUNTY CO
Center Consolidated School District No. 26 JT
Elementary School
Haskin Elementary School
550 S Sylvester Avenue CENTER CO 81125
Grades: PK to 05
Middle School
Skoglund Middle School
550 S Sylvester Avenue CENTER CO 81125
Grades: 06 to 08
High School
Center High School
550 S Sylvester Avenue CENTER CO 81125
Grades: 09 to 12
719-754-3982
Distance: 0.58 Miles
719-754-2232
Distance: 0.58 Miles
719-754-2232
Distance: 0.58 Miles
Assigned schools provided by WFG’s Customer Service while deemed reliable, is not guaranteed. It is recommended to check with the district or school for confirmation.
What strategies have been put in place to address root causes?
Student Support and SuccessCurriculum and Instruction Student Support and Success and Family PartnershipMTSS Staff Support and SuccessRecruitment and Retention List continues. Click below to view more.
Where is the district focusing its attention? What issues underlie these challenges?
List continues. Click below to view more. Lack of instructional focusneed for critical content and rigor. Inconsistent instruction Establishment and utilization of effective data analysis system.
List continues. Click below to view more. Ensuring instruction is focused on critical content/skills and rigor-ELA/Math English Language ProficiencyK-12
What strategies have been put in place to address root causes?
CDE policy allows small, rural districts to submit one UIP for the district and all schools. Go to the Performance Snapshot for the district to view the plan highlights, or access the complete plan using the link in the purple bar below.
What strategies have been put in place to address root causes?
Where is the school focusing its attention?
CDE policy allows small, rural districts to submit one UIP for the district and all schools. Go to the Performance Snapshot for the district to view the plan highlights, or access the complete plan using the link in the purple bar below.
What strategies have been put in place to address root causes?
policy allows small, rural districts to submit one UIP for the district and all schools. Go to the Performance Snapshot for the district to view the plan highlights, or access the complete plan using the link in the purple bar below.
2,991
POPULATION
2025 Estimated
$53,299
2025 Estimated 40
2025 Estimated
The town of Center, Colorado, is located in the heart of the San Luis Valley, a vast high-altitude basin in southern Colorado. Nestled on the boarder of Rio Grande & Saguache Counties, Center sits at an elevation of about 7,800 feet and serves as a small agricultural hub surrounded by expansive farmland and stunning mountain views.
Center Consolidated SD No.26-JT
Mountain Valley SD Re-1
Moffat SD No. 2
2025 Estimated
59.1% of Homes Owner Occupied
40.9% of Homes Rented
2025 Estimated
2,395 Inhabitants per Square Mile in town
11.39 People per Square Mile outside City limits
2025 Estimated
25% between ages 0 to 17
9.9% between ages 18 to 24
21.6% between ages 25 to 44
25.2% between ages 45 to 64
18.3% ages 65 and over
Census Designated Place
.864 Square Miles in City Limits
262.7 Square Miles as Census Designated Place
7,645 Feet Elevation
Average High temp 80°
Average Low temp 9°
Center, Colorado, was founded in the 1870s as settlers were drawn to the San Luis Valley ’s rich soil and abundant water from nearby rivers and irrigation systems. The town quickly became an agricultural center, known especially for its production of potatoes, barley, and other crops suited to the high-altitude climate. Over time, Center grew as a community supporting local farmers and ranchers, with the development of schools, churches, and businesses that served the valley ’s rural population. Its location as the "center" of the valley made it a natural gathering point and trade hub for surrounding communities. Today, Center retains its agricultural roots while embracing a small-town charm amid the spectacular backdrop of the Rocky Mountains.
379 SISNEROS ST CENTER CO 81125
NameAddressTelephoneDistance CommunityBanksoftheRockie215SWorthSt719-754-35090.23Mi FirstSouthwestBank2060CO-112719-754-90805.81Mi
ElAztecadeOroRestaurant980Broadway719-754-26550.78Mi
AmigosRestaurant120CO-112719-754-36603.90Mi LAGaritaTradingPost45001CountyRdE719-754-37555.75Mi
Grocers and Supermarkets
NameAddressTelephoneDistance
Skeff'sFoodCenter345SWorthSt719-754-22710.20Mi WincoFoodStore112ECo-112719-754-21052.20Mi
Offices
SaguacheCountyPublicHealth220SWorthSt719-754-27730.22Mi ValleyWideHealthServices-186HurtSt719-754-27780.37Mi PilchnerStephenCMD186SHurtSt719-754-27780.37Mi TrouttJeffreySURGSanJuanCare719-657-33110.42Mi
CesarEChavezFamilyMedical186SHurtSt719-754-27780.37Mi CenterConsolidatedSchoolDi500SBroadwaySt719-754-34420.43Mi Theaboveisbelievedtobeaccurate,butisnotguaranteed. Copyright©1995-2025CDSMarketing,Inc.
Below is the website if you would like to change your address online or you can visit your local post office, they will provide you with the change of address packet.
https://moversguide.usps.com
Benefits you will receive when you change your address online are:
Exclusive mover savings coupons
Safe and secure with identity verification by a simple $1.00 charge to your credit or debt card
Email confirmation at the end of registration of your change of address
* Must have valid email address and credit card to register online.
Below is the website if you would like to change your address online or have any questions.
Region 5 Headquarters
Southwest & South Central Colorado 3803 North Main Avenue, Suite 306 Durango, CO 81301 (970) 385-1423
www.codot.gov
Counties Served By Region 5:
Saguache Alamosa Rio Grande Conejos
Costilla Mineral Archuleta La Plata
Montezuma Dolores San Juan Ouray
San Miguel Hinsdale Chaffee
Below is the website if you would like to change your address online or you can fill out the paperwork provided and mail it back to your County Elections Office listed below.
sos.state.co.us/voter/pages/pub/home.xhtml
County Elections Office Contacts
Saguache County Courthouse
501 4th Street (Main Floor)
P.O. Box 176
Saguache, CO 81149
Phone: (719) 655-2512
Email: clerkinfo@saguachecounty-co.gov
Office Hours: Monday–Friday 8:00 AM–4:00 PM (MT)
Key Contacts:
Trish Gilbert: County Clerk & Elections
Dominique White: Military & Overseas Absentee Voting Liaison
Electric
NW Natural Gas
Water District
Sewer District
Garbage Provider
Cable/Satellite
Fuel (Propane)
Phone Services
Internet
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 Affairs)
Investments (Investment Agencies and Brokers)
Online Bill Payer
Paypal
GOVERNMENT OFFICES
US Post Office
Department of Motor Vehicles
(Obtain your driver ’s license and change vehicle registration)
IRS
Passport Office
Veteran Affairs
Unemployment Office
(If you are currently receiving unemployment benefits)
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
(Netflix, Blockbuster, etc)
Book or Music Clubs
OTHER
Friends and Family Employers
(typically notify the Human Resources Department)
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 difference 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.
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 fire 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.
Your Change of Address: Change your address with the USPS, DMV, Financial Institutions, Utilities, Government Offices, 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 turnoff date, seek refunds and deposits and notify them of your new address.
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 off , 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?
Colorado Springs Airport (719) 550-1900 coloradosprings.gov/flycos
Denver International Airport (720) 730-4359 www.flydenver.com
San Luis Valley Regional (719) 589-1138 www.sanluisvalleyairport.org/
Saguache County Clerk & Recorder (719) 655-2512
saguachecoclerk.colorado.gov/
BUS SERVICE
CDOT Bus Service 511 www.codot.gov
Valley-Wide Ride (833) 350-1113 ext. 1025 www.valley-widehealth.org/
CABLE TV, INTERNET, PHONE & SATELLITE
Direct TV (800) 531-5000 www.directv.com
Ciello
1(800) 615-9405 https://www.ciello.com/
Dish Network
1(800) 318-0572 www.dish.com
Starlink
1-866-606-5103 https://www.starlink.com/ support
CITY CONTACTS
Saguache (719) 655-2544
Center (719) 754-3393
Crestone (719) 256-4329
Moffat (719) 256-4538
Villa Grove
Saguache County Clerk (719) 655-2512 saguachecoclerk.colorado.gov/
District Court (719) 655-2522 www.coloradojudicial.gov/
County Administration (719) 655-2547
Assessors Office (719) 655-2572
Treasurer’s Office (719) 655-2524
Sheriff’s Office (719) 655-2526
Public Health (719) 655-2535
Landfill & Recycling (719) 221-1956
Planning & Zoning (719) 655-2543
Road & Bridge (719) 655-2576
Veterans Services (719) 655-2530
Mountain Valley SD No. RE-1 (719) 655-2578 mountainvalleyschool.org
Center Consolidated No.26-JT (719) 754-3442 center.k12.co.us
Moffat SD No. 2 (719) 745-0500 moffatschools.org
Crestone Charter School (719) 256-4907 crestonecharter.org
Conley Waste Management (719) 655-2833 https:// conleywastemanagement.com/
Republic Services (719) 633-8709 https://www.republicservices
Waste Management, Inc. (800) 366-4666 wm.com
Crestone Junk Removal (719) 735-8200 crestonejunkremoval.com/
LoadUp (678) 884-4738 https://goloadup.com/
Saguache Co. Landfill & Recycling Center (719) 221-1956 saguachecounty.colorado.gov/
Heart of the Rockies Regional Medical Center (719) 530-2200 www.hrrmc.com/
HRRMC Saguache Health Center (719) 665-2531 www.hrrmc.com/
San Luis Valley Regional Medical Center (719) 589-2511 www.sanluisvalleyhealth.org/
Rio Grande Hospital (719) 657-2510 riograndehospital.org
NATURAL GAS & ENERGY
Xcel Energy (800) 895-4999 co.my.xcelenergy.com
CO Natural Gas 1 (800) 720-8193 coloradonaturalgas.com
Black Hills Energy (888) 890-5554 blackhillsenergy.com
San Luis Valley Rural Electric CO-OP (719) 852-3538 slvrec.com
Gunnison County Electric Association (970) 641-3520 www.gcea.coop
Center Municipal Electric (719) 754-3497 townofcenter.colorado.gov
Amerigas Propane
Www.amerigas.com 1(800) 263-7442
South Fork Propane (719) 873-5857 Www.southforkpropane.com
Monte Vista Propane CO-OP (719) 852-5181
Www.mvcoop.com
JC Propane (970) 641-5381 Www.jcpropane.com
Saguache County Water Resources (719) 655-2544
Saguache City Water & Sewer (719) 655-2321 Www.townofsaguache.org
Center Water District (719) 754-3393 https:// townofcenter.colorado.gov/
Baca Grande/ Crestone Water & Sanitation (719) 256-4310 www.bacawater.com/
Saguache County
Environmental Health Office (719) 655-2321 www.saguachecounty.colorado. gov/environmental-health
Brown’s Septic Service 1(719) 657-3022 http://www.browns-septic.com/
Weaver’s Level Best Septic & Excavation (719)- 852-7336 Www.weaverslevelbest.com
Littlehorn Engineering & Surveying (970) 879-5112 littlehorneng.com
The Saguache Crescent (719) 655-2579
saguachecrescent.com
Crestone Eagle (719) 256-4545 crestoneeagle.com
Valley Courier (719) 589-1800 valleycourier.com
The Mountain Mail (719) 539-2211 mountainmail.com
RECREATION & ATTRACTIONS
Great Sand Dunes National Park & Preserve
Baca National Wildlife Refuge
San Luis State Wildlife Area
Saguache Downtown Historic District
Zapato Falls
Sangre de Cristo Mountains
Capilla de San Juan Bautista
Carnero Creek Pictographs nationalregisterofhistoricplaces.com
Saguache County Museum (719) 566-2557
Hazard House Museum (719) 655-2557
Because of you… we obsess over
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:
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.
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/
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.
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.
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.
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
• 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.
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.
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.
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.
The examples below are typical. However, the real estate purchase agreement will ultimately determine who is paying for what expenses.
• 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
• 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.
Ownership of property vested in one person rather than held jointly with another.
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
WFG’s My Home
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 7/8/2025
Single-Family Homes
This week the median list price for Center, CO 81125 is $454,500 with the market action index hovering around 28. This is an increase over last month's market action index of 23. Inventory has held steady at or around 10.
Market Action Index
This answers “How’s the Market?” by comparing rate of sales versus inventory.
Price of New Listings
Days on Market
Slight Buyer's Advantage
Market Narrative
Home sales have been exceeding new inventory for several weeks. Since this is a Buyer's market prices are not yet moving higher as excess inventory is consumed. However, as the supply and demand trends continue, the market moves into the Seller's zone, and we are likely to see upward pressure on pricing.
Market Segments
Slight Buyer's Advantage
Each segment below represents approximately 25% of the market ordered by price.
We continue to see prices in this zip code bouncing around this plateau. Look for a persistent upshift in the Market Action Index before we see prices move from these levels.
$10.0M
In the quartile market segments, we see the market's price weakness evident across the board. Quartiles 1, 2, and 4 have been in price decline in recent weeks, with Quartile 3 remaining basically flat. Look to the Market Action Index as a leading indicator of the bottom of the market.
While prices have been basically flat, the price per square foot has been heading downward. While not a sign of broad strength in a market, larger homes are coming more available and buyers can see more home for their money.
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.
Home sales have been exceeding new inventory for several weeks. Since this is a Buyer's market prices are not yet moving higher as excess inventory is consumed. However, as the supply and demand trends continue, the market moves into the Seller's zone, and we are likely to see upward pressure on pricing.
Three of the four quartiles of this zip code are in the Seller’s Market zone with relatively low amounts of inventory given the current levels of demand. It’s not uncommon that the premium segment of the market takes longer to sell than the rest of the group.
The properties have been on the market for an average of 166 days. Half of the listings have come newly on the market in the past 138 or so days. Watch the 90-day DOM trend for signals of a changing market.
It is not uncommon for the higher priced homes in an area to take longer to sell than those in the lower quartiles.
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TRANSACTION CLOSED
GATHER UP
SIGNING SCHEDULED
CLOSE TO SIGNING
TITLE CLEARED
UPDATER INVITATION
TITLE REPORT DELIVERED
TRANSACTION STARTED
MIDPOINT FEEDBACK
EARNEST MONEY
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.