TobiasisaColoradoNativewithfamilyrootstied toSanLuis,CO(theoldestcontinuously occupiedtowninColorado).Tobiasbrings,tothe EdPratherRealEstateTeam,18yearsexperience exclusivelyintheDebtManagementIndustry, whichallowsTobiasacompetitiveadvantagein preparinghisClients.
TobiasthrivesongettinghisClientsthe propertiestheydesireandwithhisunflappable character,astoundingleadership,andrefined negotiatingskillsgetsthejobdone.Tobiasalso prideshimselfinobtainingtopdollarforhis Client’sproperties.Tobiasbuildsandmaintains strongrelationshipswithhisClientsthatwilllast alifetime.Tobiasandhisfamilyarehuge Coloradosportsfans,especiallytheDenver Broncos.TheyenjoyexploringColoradoand spendingtimewithextendedfamilyandfriends.
2 . M a p s
1 . P r o p e r t y D e t a i l s
3 . L o c a l S c h o o l s
4 . C o m m u n i t y
6 . T i t l e & E s c r o w
5 . U t i l i t i e s & R e s o u r c e s
The information contained is provided by WFG’s Customer Service Department to our customers, and while deemed reliable, is not guaranteed.
PROPERTY ADDRESS
4326W118THPL WESTMINSTER,CO80031
OWNER NAME: Anthony&EmilyScott
VESTING: JointTenants
MAILING ADDRESS: 4326W118thPlWestminsterCO80031
OWNER STATUS: Owneroccupied
COUNTY: Adams CENSUS / BLOCK: 009408/1032
TSP - RNG - SEC: 02S-68W-06 LOT / BLOCK: 21/1A
HOUSING TRACT: Bradburn01Rplt07
ALT PARCEL #: 0171906109026
SCHOOL DISTRICT: Northglenn-Thornton
MUNICIPALITY: Westminster PARCEL #: 0171906109026-R0163225
DATE: 05/17/2023
DATE: 11/27/2018
SALE PRICE: $584,500 SALE PRICE:
DOCUMENT #: 27621
DOCUMENT #: 94925
DOC TYPE: SpecialWarrantyDeed DOC TYPE: WarrantyDeed SQUARE FOOT $: $310.90
ELEVATIONSCREDIT UNION
$0 LOAN: $442,500
TYPE: LOAN TYPE: NewConventional LOAN TERM: 360M
GROSS AREA: 1,880
LIVING AREA: ABOVE GRADE:
BEDROOMS: 3
BATHROOMS: 3
FIREPLACE: 1
YEAR BUILT: 2006
PARKING TYPE:
UNITS: 1
BASEMENT:
GARAGE AREA: ROOF SHAPE:
FOUNDATION: ROOF MATERIAL: CompositionShingle
CONSTRUCTIONS: Frame
HEAT TYPE: Forcedairunit
COOLING TYPE:
EXTERIOR WALL: Combination
ROOMS: 7
QUALITY:
INTERIOR WALL:
PORCH TYPE:
PATIO TYPE: AIR COND: Y
FIXTURES:
FLOOR: EQUIPMENT:
STORIES: 2
POOL:
CONDITION: Average
LAND USE: ZONING: PlannedUnitDevel.
COUNTY USE: LOT ACRES: 0.0342
STATE USE: LOT SQ FT: 1,490 LEN / WID:
ASSD YEAR: 2025
ASSD VALUE: $33,070
TAXABLE VAL:
TAX YEAR: 2024
LAND VALUE: $110,000
MKT VALUE: $529,000
TAX AREA: 168
IMP VALUE: $419,000
EXEMPTIONS:
PROPERTY TAX: $4,767.38
IMPROVED %: 79
DISTRICT:
NAME: HulstromK-8
ADDRESS: 11551WycoDrive
CHARTER SCHOOL: No
MAGNET SCHOOL: No
CITY, STATE, ZIP: Northglenn,CO80233 AREA DESCRIPTION: 21-Suburb:Large
PHONE: (720)972-5400 DISTANCE: 4.12mile(s)
GRADES: Kindergarten-8thGrade TITLE ONE: 2-No
NAME: CrossOfChristPreschool&Kindergarten CHARTER SCHOOL:
ADDRESS: 12099LowellBlvd MAGNET SCHOOL:
CITY, STATE, ZIP: Broomfield,CO80020 AREA DESCRIPTION: 13-City:Small
PHONE: DISTANCE: 0.54mile(s)
GRADES: Prekindergarten-Kindergarten
NAME: WestlakeMiddleSchool
ADDRESS: 2800West135ThAvenue
CITY, STATE, ZIP: Broomfield,CO80020
TITLE ONE:
CHARTER SCHOOL: No
MAGNET SCHOOL: No
DESCRIPTION: 13-City:Small PHONE: (720)972-5200
GRADES: 6thGrade-8thGrade
NAME: BroomfieldHeightsMiddleSchool
ADDRESS: 1555DaphneStreet
CITY, STATE, ZIP: Broomfield,CO80020
PHONE: (720)561-8400
2.42mile(s)
ONE: 2-No
CHARTER SCHOOL: No
MAGNET SCHOOL: No
DESCRIPTION: 13-City:Small
2.59mile(s) GRADES: 6thGrade-8thGrade
NAME: JeffersonAcademyHighSchool CHARTER SCHOOL: Yes
ADDRESS: 11251ReedWay MAGNET SCHOOL: No
CITY, STATE, ZIP: Broomfield,CO80020 AREA DESCRIPTION: 13-City:Small PHONE: (720)887-1992
1.88mile(s) GRADES: 9thGrade-12thGrade
2-No
NAME: LegacyHighSchool
ADDRESS: 2701West136ThStreet
CITY, STATE, ZIP: Broomfield,CO80020
CHARTER SCHOOL: No
SCHOOL: No
DESCRIPTION: 13-City:Small PHONE: (720)972-6700
2.58mile(s) GRADES: 9thGrade-12thGrade
ONE: 2-No
Whatistheperformance framework? OfficialPerformanceRating Howareperformanceframeworkratingsdetermined?
PerformanceIndicatorRatings
Howdidstudentsperformondifferentpartsofthe performanceframework?
Postsecondary& WorkforceReadiness: Approaching
Achievement: Approaching
Growth: Approaching
Exceeds Expectations Meets Expectations Approaching Expectations
DoesNotMeet Expectations
Howdothedifferentperformanceindicators factorintotheofficialperformancerating?
WhatisUnified ImprovementPlanning?
ImprovementStrategies
Whatstrategieshavebeenputin placetoaddressrootcauses?
Engagestudentsinlearningthatfosters academicandsocialbelonging
PlanandImplementrigorousandrelevant gradelevelinstruction
Whatdoesthisratingmeanandhowdoesit comparetootherdistricts?
RootCauses
Whatissuesunderliethese challenges?
InstructiontoGradeLevelStandards InconsistentStudentEngagementand Empowerment InconsistentPlanningandInstruction
PerformanceChallenges
Whereisthedistrictfocusingits attention?
ElementaryandMiddleSchoolLiteracyand
Whatistheperformance framework? OfficialPerformanceRating
PerformanceIndicatorRatings
Howdidstudentsperformondifferentpartsofthe performanceframework?
Achievement: Exceeds
Growth: Meets
Exceeds Expectations Meets Expectations Approaching Expectations
DoesNotMeet Expectations
Howdothedifferentperformanceindicators factorintotheofficialperformancerating?
WhatisUnified ImprovementPlanning?
ImprovementStrategies
Whatstrategieshavebeenputin placetoaddressrootcauses?
SocialEmotionalLearningInstruction ConsistencyinImplementationofBest PracticesinGiftedEducation AssessmentPracticesandDataAnalysis
Whatdoesthisratingmeanandhowdoesit comparetootherschools?
RootCauses
Whatissuesunderliethese challenges?
SocialEmotionalLearning Listcontinues.Clickbelowtoviewmore. ImplementAssessmentPracticesandData Analysis ConsistencyinImplementationofBest PracticesinGiftedEducation
ClickHeretoViewFullUnifiedImprovementPlan
PerformanceChallenges
Whereistheschoolfocusingits attention?
Continued4th-8thGradeCMASELAGrowth
Continued4th-8thGradeCMASMath Growth
ClickHeretoViewFullPeformanceFrameworkReport
Whatistheperformance framework?
PerformanceIndicatorRatings
Howdidstudentsperformondifferentpartsofthe performanceframework?
Postsecondary& WorkforceReadiness: Meets
Achievement: Meets
Growth: Meets
Exceeds Expectations Meets Expectations Approaching Expectations
DoesNotMeet Expectations
Howdothedifferentperformanceindicators factorintotheofficialperformancerating?
WhatisUnified ImprovementPlanning?
ImprovementStrategies
Whatstrategieshavebeenputin placetoaddressrootcauses?
Addressexistingachievement/growthgaps
PurposefulCollaboration
SchoolCommunity
Whatdoesthisratingmeanandhowdoesit comparetootherschools?
RootCauses
Whatissuesunderliethese challenges?
Listcontinues.Clickbelowtoviewmore. InsufficientDataUtilization CurriculumShift Connectionswithpeersandeducators
ClickHeretoViewFullUnifiedImprovementPlan
PerformanceChallenges
Whereistheschoolfocusingits attention?
AcademicAchievement(9thand11thgrade Math)
AcademicAchievement(9thand11thgrade Reading-Writing)
AcademicGrowthinEnglishLanguageArts (EnglishLearners,StudentswithIEPs)
Listcontinues.Clickbelowtoviewmore.
ClickHeretoViewFullPeformanceFrameworkReport
117,453$90,15638.449.8%50.2%
Westminster, Colorado, is a vibrant suburban city located northwest of Denver, known for its stunning views of the Rocky Mountains and abundant outdoor recreation. With a mix of modern amenities and historic charm, Westminster offers excellent parks, trails, and shopping destinations like the Westminster Promenade, making it an attractive place to live and visit.
SCHOOL DISTRICTS SCH
Westminster Public Schools
Adams 12 Five Star Schools
Jefferson County Public Schools
HOUSING
61.5% of homes owner occupied
38.5% of homes rented
POPULATION DENSITY
47,211 households
3,467 inhabitants per sq. mile
HISTORY
AGE DEMOGRAPHIC
14.6% under age 18
8.7% between ages 18 to 24
16.4% between ages 25 to 34
15.4% between ages 35 to 44
12% between ages 45 to 54
16.3% Over the age of 65
CITY QUICK FACTS
Settled in 1859
33.898 square miles
5,325 feet elevation
Highest Average Temperature 74º
Lowest Average Temperature 33º
Westminster, Colorado, was originally settled in the late 1800s and was first known as DeSpain Junction. In 1911, it was incorporated as Westminster, named after Westminster University, a now-defunct Presbyterian college. The city grew rapidly in the mid-20th century due to its proximity to Denver and the expansion of suburban communities. Today, Westminster is a thriving city known for its mix of historic landmarks, modern developments, and scenic views of the Rocky Mountains.
Emergency Police/Medical/Fire 911
Poison Control (800) 222-1222 www.aapcc.org
United States Postal Service (800) 275-8777 www.usps.com
Xfinity (800) 266-2278
www.xfinity.com
Dish Network (800) 318-0572 www.dish.com
DIRECT TV (800) 531-5000 www.directtv.com
Century Link (866) 963-6665 www.centurylink.com/ internet
Regional Transportation District (RTD) (303) 299-6000 www.rtd-denver.com
Westminster Window Weekly Paper (303) 426-6000
coloradocommunitymedia.com/westministerwindow/
Xcel Energy (800) 895-4999 co.my.xcelenergy.com
Westminster Water Department (303) 658-2400
Westminster.gov
Westminster City Sanitary Sewer (303) 658-2400 Westminster.gov
Waste Management Garbage (303) 797-1600 https://www.wm.com/us/en/ location/co
Republic Services www.republicservices.com
Adams 12 Five Star Schools District (720) 972-4000
https://www.adams12.org
Belowisthewebsiteifyouwouldliketochangeyouraddressonlineoryoucanvisityour localpostoffice,theywillprovideyouwiththechangeofaddresspacket. https://moversguide.usps.com
Benefitsyouwillreceivewhenyouchangeyouraddressonlineare: Exclusivemoversavingscoupons
Safeandsecurewithidentityverificationbyasimple$1.00chargetoyourcreditordebit card
Emailconfirmationattheendofregistrationofyourchangeofaddress
*Musthavevalidemailaddressandcreditcardtoregisteronline.
Belowisthewebsiteifyouwouldliketochangeyouraddressonlineorhaveanyquestions.
ColoradoDepartmentofTransportation
Region1andHeadquarters
Denver/CentralColorado 2829WHowardPlace Denver,CO80204 (303)759-2368
www.codot.gov
Belowisthewebsiteifyouwouldliketochangeyouraddressonlineoryoucanfillout thepaperworkprovidedandmailitbacktoyourCountyElectionsOfficelistedbelow.
sos.state.co.us/voter/pages/pub/home.xhtml
CountyElectionsOfficeContacts
AdamsCounty 4430SAdamsCountyPkwy 1stFloor,SuiteE3102 Brighton,CO80601 (720)523-6500
ArapahoeCounty 5334SPrinceSt Littleton,CO80120 (303)795-4511
BoulderCounty 175033rdSt,Suite200 Boulder,CO80301 (303)413-7740
BroomfieldCounty OneDesCombesDr Broomfield,CO80020 (303)438-6332
DenverCounty 200W14thAve Denver,CO80204 (720)913-8683
DouglasCounty 125StephaniePlace CastleRock,CO80109 (303)660-7444
ElPasoCounty 1675WGardenoftheGodsRdSuite 2201 ColoradoSprings,CO80907 (719)520-6202
JeffersonCounty 3500IllinoisStreet,Suite1100 Golden,CO80401 (303)271-8168
UTILITIES
Electric
NWNaturalGas WaterDistrict
SewerDistrict
GarbageProvider
Cable/Satellite Fuel(Propane)
PhoneServices
Internet
BanksandCreditUnions
CreditCardCompanies (includingdepartmentstorecreditcards)
Lenders
(Mortgage,HomeEquity,Auto,StudentLoans) InsuranceCompanies
(Health,Renters,Auto,Home,Medical,Dental,Disability,Life)
Retirement (Pensionplans,401K,SocialSecurity,VeteransAffairs)
Investments (InvestmentAgenciesandBrokers)
OnlineBillPayer Paypal
USPostOffice
DepartmentofMotorVehicles
(Obtainyourdriver’slicenseandchangevehicleregistration)
IRS PassportOffice
VeteranAffairs
UnemploymentOffice (Ifyouarecurrentlyreceivingunemploymentbenefits)
Physician Pharmacies
Childcare HousecleaningServices DeliveryServices LawnCareServices Veterinarian PoolService
HealthClubs
MembershipClubs (AAAorsimilar) CommunityGroups (PTA,NeighborhoodAssociations,CivicClubs) Children’sExtracurricular Activities (DanceClasses,MusicLesson,SportsClubs)
SUBSCRIPTIONS
Newspapers
Magazine (USPSwillonlyforward2months)
MovieSubscriptions
BookorMusicClubs
FriendsandFamily Employers (typicallynotifytheHRDepartment)
8WEEKBEFOREYOUMOVE
InventorySheets:Createaninventorysheetofallyour belongingswhichneedtobemoved
Sheets: Create an inventory sheet of all your s which need to be moved
Moving Options: You’ll need to decide if yours is a elf move or if you’ll be using a moving company
ResearchMovingOptions:You’llneedtodecideifyoursisa do-it-yourselfmoveorifyou’llbeusingamovingcompany.
RequestMovingQuote:Solicitmovingquotesfromasmany movingcompaniesandmoversaspossible.Therecanbea largedifferencebetweenratesandserviceswithinmoving companies.
oving 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
4WEEKBEFOREYOUMOVE
Start Packi location
ng: Begin packing all things destined for your new
StartPacking:Beginpackingallthingsdestinedforyournew location.
Obtain You
dentist an retaining a records or
ObtainYourMedicalRecords:Contactyourdoctor,physician, dentistandothermedicalspecialistswhomaycurrentlybe retaininganyofyourfamily’smedicalrecords.Obtainthese recordsormakeplansforthemtobedeliveredtoyournew medicalfacilitiesifchanging.Securityiscriticalofpersonal records.
r Medical Records: Contact your doctor, physician, d other medical specialists who may currently be ny of your family’s medical records Obtain these make plans for them to be delivered to your new medical facilities if changing Security is critical of personal records
Discard Unnecessary Items: Moving is a great time for ridding yourself of unnecessary items Have a yard sale or donate unnecessary items to charity
DiscardUnnecessaryItems:Movingisagreattimefor riddingyourselfofunnecessaryitems.Haveayardsaleor donateunnecessaryitemstocharity.
PackingMaterial:Gathermovingboxesandpacking materialforyourmove.
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
ContactInsuranceCompanies:You’llneedtocontactyour insuranceagenttocancel/transferyourinsurancepolicy.
1 1 WEEK
YourChangeofAddress:Changeyouraddresswiththe USPS,DMV,FinancialInstitutions,Utilities,Government Offices,HealthCareServiceProviders,Memberships, SubscriptionsandInsuranceProvisions.
Change of Address: Change your address with the S, DMV, Financial Institutions, Utilities, Government es, Health Care Service Providers, Memberships, Subscriptions and Insurance Provisions
BankAccounts:Transferorclosebankaccountsifchanging banks.Makesuretohaveamoneyorderforpayingthe movingcompany.
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
ServiceAutomobiles:Ifautomobilesaretobedrivenlong distance,you’llwanttohavethemservicedsoyouhavea trouble-freedrive.
CancelServices:Notifyanyremainingserviceproviders (newspapers,lawnservices,etc.)ofyourmove.
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
TravelItems:Setasideallitemsyou’llneedwhiletraveling. Makesurethesearenotpackedonthemovingtruck..
Contact Utility Companies: Set utility turnoff date, seek refunds and deposits and notify them of your new address
ContactUtilityCompanies:Setutilityturnoffdate,seek refundsanddepositsandnotifythemofyournewaddress.
NoteFoodInventoryLevels:Checkyourcupboards, refrigeratorandfreezer.Useupasmuchofyourperishable foodaspossible.
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
SmallEngines:Servicesmallenginesforyourmoveby extractinggasandoilfromthemachines.Thiswillreduce thatchancetocatchfireduringyourmove.
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
ProtectJewelryandValuables:Transferyourjewelryand valuablestoasafetydepositbox;youdon’twantthemtobe lostorstolenduringyourmove.
Borrowed and Rented Items: Return items that you may have borrowed or rented Collect items borrowed to others
BorrowedandRentedItems:Returnitemsthatyoumay haveborrowedorrented.Collectitemsborrowedtoothers.
Plan Your the house
Someone
Itinerary: Make plans to spend the entire day at or at least until the movers are on their way will need to be around to make decisions Make plans for kids and pets to be at a sitters for the day
PlanYourItinerary:Makeplanstospendtheentiredayat thehouseoratleastuntilthemoversareontheirway. Someonewillneedtobearoundtomakedecisions.Make plansforkidsandpetstobeatasittersfortheday.
ReviewtheHouse:Oncethehouseisempty,checkthe entirehouse(closets,attic,basement,etc.)toensureno itemsareleftornohomeissuesexist.
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
DoubleCheckWithYourMover:Ensurethemoverhasthe newpropertyaddressandallofyourmostrecentcontact information,shouldtheyhaveanyquestionsduringyour move.
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
VacateYourHome:Makesureutilitiesareoff,doorsand windowsarelockedandnotifyyourrealestateagentyou’ve vacatedtheproperty.
Vacate Your Home: Make sure utilities are off, doors and windows are locked and notify your real estate agent you’ve vacated the property
QuestionsToAsk:Whereisthegaragedooropener?Where arethekeystothehouse,mailboxandotherlockablearea? Didyouretrieveallkeysfromneighborsandfriends?
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
Denver International Airport (720) 730-4359 www.flydenver.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
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
Broomfield - (303) 469-3301 www broomfield 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
CITY CONTACT
Greenwood Village (303) 773-0252
www.greenwoodvillage.com
Highlands Ranch (303) 791-0430
www highlandsranch org
Lafayette - (303) 665-5588 www cityoflafayette com
Lakewood - (303) 987-7000 www.lakewood.org
Littleton - (303) 795-3700 www littletongov org
Lone Tree - (303) 708-1818 www cityoflonetree 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
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
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
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
Broomfield County One DesCombes Dr Broomfield, 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
Jefferson County
100 Jefferson County Pkwy Golden, CO 80419 (303) 271-6511
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
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.rockymountainhospitalforch ildren com
Rose Medical Center (303) 320-2121 www.rosemed.com
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
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
RECREATION
Aquarium (303) 561-4450
Family Sports Center (303) 708-9500
www downtownaquariumdenver com
Black Canyon of Gunnison 9800 Hwy 347, Montrose www nps gov
Butterfly Pavilion (303) 469-5441 www.butterflies.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
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.milehighfleamarket.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
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
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 Broomfield, 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
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
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
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
Broomfield County One DesCombes Dr Broomfield, 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
Jefferson County 3500 Illinois Street, Suite 1100 Golden, CO 80401 (303) 271-8168
Becauseofyou…weobsessovercybersecurity!
Cyberfraudandemailhackingareontherise.Fraudstersmayaccessindividualemail accountsandmonitorthelifeofyourtransaction.Atthetimefundsareduetothe escrow,fraudstersintercepttheinformationforwiringfunds,andthefraudsterschange theinformationwithouttheknowledgeofthesenderorrecipient,resultinginthefunds beingsenttoanoutsideaccountandnevercreditedtotheintendedparty.
Toprotectandreduceyourrisk,WFGhasimplementedthefollowingproceduresfor outgoingandincomingwires:
OutgoingWirefromWFGtosellerorborrowerforproceeds Intheescrowpaperworkprovidedyouwillbeaskedtoprovidewritteninstructions onhowyouwantfundsdisbursedtoyouatthecloseofescrow.Ifyouchoosetohave thefundssentviawiretransfer,WFGwillcontactyoubyphonetoconfirmthewire informationprovided.
IncomingWiresfromthebuyerand/orlendertoWFGbankaccount ForfundsthataretobewiredtoWFGforyourtransaction,wewillsendspecificwire instructionstotheremittingpersonviaanencryptedemail.Werecommendyou reachouttoyourWFGcontacttoconfirmthewireinstructionspriortoremittance.
Welookforwardtoprocessingyourescrowtransactionforyou.Weknowthatthiscan beastressfultimeandweareheretoassistyouinanywaywecantomakethisagood experience.
http://national.wfgnationaltitle.com/2016/04/05/obsess-cyber-security/
Everyday,hackerstrytostealyourmoneybyemailingfakewireinstructions.Criminals willuseasimilaremailaddressandstealalogoandotherinfotomakeitlooklikethe emailcamefromyourrealestateagentortitlecompany.Youcanprotectyourselfand yourmoneybyfollowingthestepsbelow.
Don’tsendsensitivefinancialinformationviaemail Call,don’temail.Confirmyourwiringinstructionsbyphoneusingaknownnumber beforetransferringfunds WewillneveremailwiringinstructionstoyounorchangeWFGaccountinformation afterit’sbeenprovidedtoyoubyourstaff Keepyouremailaccountclean,removeanystalemessages.Hackerscanwatchyour businesspatternsandusethisinformationagainstyou Askyourbanktoconfirmthenameontheaccountbeforesendingawire. Callyourtitlecompanyorrealestateagentwithinfourtoeighthourstoconfirmthey havereceivedyourmoney.
Why it's important
Financiallyspeaking,thedecisiontobuyahomeisoneofthebiggestdecisionsaperson willlikelyevermake.
Owner’stitleinsuranceinsuresthat,whenthepurchaseisclosed,thebuyeristheownerof andhasmarketabletitletotheproperty,hasaccesstothehome,andtherearenoliens, claims,orrestrictionsonthebuyer’sproperty,otherthanthemortgagethebuyeragreesto pay.
Ifthepreliminarytitlesearchuncoverspotentialproblems,abuyercanrequirethatthose problemsbesatisfactorilydealtwithbeforeclosingonthehome.
Inaddition,owner’stitleinsuranceprotectsbuyersagainstamyriadofrisksthatnoteven themostcarefultitlesearchcanuncover,includingthingssuchforgeddocuments, undisclosedormissingheirsofapreviousowner,fraud,willdisputes,andunrecorded claimsofmanytypes.
Withoutowner’stitleinsurance,thelegalcoststoresolvesuchtitleclaimscouldeasilybein thetensofthousandsofdollarsandwouldhavetobepaidoutofpocketbythebuyer-not tomentionthestressthatsuchsituationswouldcausetothebuyer.
Owner’stitleinsuranceisoneofthemostaffordableinsurancepoliciesapersoncanever buy.Unlikeotherformsofinsurance,thereisonlyaone-timefeeatclosingforthepolicy, whichfinanciallyprotectsthebuyer’sinvestmentforaslongasthebuyerorthebuyer’s heirsownthehome.
So,ifsomeonetellsthebuyerthatowner’stitleinsuranceis“optional”,thatcertainlydoes notmeanthatthebuyershouldnotgetit.Virtuallyeverylenderrequireslender’stitle insurance,butthatinsurancedoesnotprotectthebuyer.
Inordertosafeguardthebuyer’sinvestmentintheproperty,whichispossiblythemost importantinvestmentthebuyerwillevermake,owner’stitleinsuranceisabsolutelycritical.
Anescrowisanarrangementinwhichaneutralthirdparty(theescrowagent)assembles andprocessesmanyofthecomponentsofarealestatetransaction,recordsthetransaction, andultimately,disbursesanddistributesfundsaccordingtothebuyers’,sellers’and lenders’instructions.YourtransactionistypicallyclosedbyanEscrowOfficer.People buyingandsellingrealestateusuallyopenanescrowfortheirprotectionandconvenience. Boththebuyerandsellerrelyontheescrowagenttocarryouttheirwritteninstructions relatingtothetransactionandtoadvisethemifanyoftheirinstructionsarenotmutually consistentorcannotbecarriedout.Iftheinstructionsfromallpartiestoanescroware clearlydrafted,theescrowofficercanproceedonbehalfofthebuyerandsellerwithout furtherconsultation.Thissavesmuchtimeandfacilitatestheclosingofthetransaction.
TheSeller/Agent DeliversPurchaseSaleAgreementtothe escrowagent.
Preparesthepaperworknecessarytoclosethe transaction.
TheBuyer/Agent Depositsfundsrequiredtoclosewiththe escrowagent. Approvesthecommitmentfortitleinsurance,or otheritemsascalledforbythePurchaseSale Agreement.
Executesthepaperworkandloandocuments necessarytoclosethetransaction.
TheLender Depositsloandocumentstobeexecutedbythe buyer Depositstheloanproceeds. Directstheescrowagentoftheconditions underwhichtheloanfundsmaybeused
TheEscrowAgent ClearsTitle
Obtainstitleinsurance Obtainspayoffsandreleasedocumentsfor underlyingloansontheproperty Receivesfundsfromthebuyerand/orlender. Preparesvestingdocumentaffidavitonseller’s behalf.
Proratesinsurance,taxes,rents,etc. Preparesafinalstatement(oftenreferredtoas the“HUDStatement”or”SettlementStatement”) foreachparty,indicatingamountspaidin conjunctionwiththeclosingofyourtransaction. Forwardsdeedtothecountyforrecording. Oncetheproperdocumentshavebeen recorded,theescrowagentwilldistributefunds totheproperparties.
InSummary
Escrowistheprocessthatassemblesandprocesses manyofthecomponentsofarealestatetransaction. Thesaleisofficiallyclosedwhenthenewdeedis recordedandfundsareavailabletotheseller,thus transferringownershipfromthesellertothebuyer. Theescrowagentisaneutralthirdpartyactingon behalfofthebuyerandseller.
AboutTitleInsurance
Titleisabundleofrightsinrealproperty. Protectingpurchasersandlendersagainstloss isaccomplishedbytheissuanceofatitle insurancepolicy.Usually,duringapurchase transaction,thelenderrequestsapolicy (commonlyreferredtoastheLender’sPolicy) whilethebuyersreceivetheirownpolicy (commonlyreferredtoasanOwner'sPolicy).
Inshort,thepolicystatesthatifthestatusof thetitletoaparcelofrealpropertyisother thanasrepresented,andiftheinsured(either theownerorlender)suffersalossasaresultof atitledefect,theinsurerwillreimbursethe insuredforthatlossandanyrelatedlegal expenses,uptothefaceamountofthepolicy, subjecttoexceptionsandexclusionscontained inthepolicy.
Typicallytherearetwopoliciesissued.The Mortgagee’sPolicyinsuresthelenderfor theamountoftheloan.TheOwner’sPolicy insuresthepurchaserofthepurchaseprice.
Howistitleinsurancedifferentfromothertypes ofinsurance?
Whilethefunctionofmostotherformsof insuranceisriskassumptionthroughthe poolingofrisksforlossesarisingoutof unforeseenfutureevents(suchassicknessor accidents),theprimarypurposeoftitle insuranceistoeliminaterisksandprevent lossescausedbydefectsintitlearisingoutof eventsthathavehappenedinthepast.To achievethisgoal,titleinsurersperforman extensivesearchandexaminationofthepublic recordstodeterminewhetherthereareany adverseclaims(titledefects)attachedtothe subjectproperty.Saiddefects/claimsareeither eliminatedpriortotheissuanceofatitlepolicy
ortheirexistenceisexceptedfromcoverage. Yourpolicyisissuedaftertheclosingofyour newhome,foraone-timenominalfee,andis goodforaslongasyouowntheproperty.
What’sinvolvedinatitlesearch?Atitlesearchis actuallymadeupofthreeseparatesearches: ChainofTitle–Historyoftheownershipofthe subjectproperty
TaxSearch–Thetaxsearchrevealsthestatusof thetaxesandassessments
JudgmentandNameSearch–Searchesfor judgmentandliensagainsttheowners’and purchasers’names
Oncethethreesearcheshavebeencompleted,the fileisreviewedbyanexaminerwhodetermines: WhetherornottheChainofTitleshowsthatthe partysellingthepropertyhastherighttodoso. Thestatusoftaxesforthesubjectproperty.The TaxSearchwillalsoindicatetheexistenceofany specialassessmentsagainstthelandand whetherornottheseassessmentsarecurrentor pastdue.
Whetherthereareanyunsatisfiedjudgmentson theJudgmentandNameSearchagainstthe previousowners,sellers,orandpurchasers.
Rightsestablishedbyjudgmentdecrees, unpaidfederalincometaxesandmechanicliensall maybepriorclaimsontheproperty,aheadofthe buyer’sorlender’srights.Thetitlesearchwillonly uncoverdefectsintitlethatareofpublicrecord,thus allowingthetitlecompanytoworkwiththesellerto clearuptheseissuesandprovidethenewbuyer withtitleinsurance.
Afterthesearcheshavebeenexamined, thetitlecompanywillissueacommitment, statingtheconditionsunderwhichitwillinsure title.Thebuyer,sellerandthemortgagelender willproceedwiththeclosingofthetransaction afterclearingupanydefectsinthetitlethat havebeenuncoveredbythesearchand examination.
.
RealEstateCommission
DocumentpreparationfeeforDeed Payoffofallloansintheseller’sname(or existingloanbalanceifbeingassumedby Buyer)
Interestaccruedtolenderbeingpaidoff StatementFees,ReconveyanceFees,andany prepaymentpenaltiestoPayoffLender HomeWarranty(accordingtocontract)
Anyjudgments,taxliens,etc.againsttheseller Taxproration(foranytaxesunpaidattimeof transferoftitle)
AnyunpaidHomeowners’Associationdues
Recordingchargestocleardocumentsof recordagainstseller
Anybondsorassessments(accordingto contract)
Anyandalldelinquenttaxes
NotaryFees
EscrowFee(onehalf)
PersonalPropertyvs.RealProperty
TitleInsurancePremiumforLender’sPolicy EscrowFee(onehalf)
RealEstateCommission
Documentpreparation(ifapplicable)
Notaryfees
RecordingchargesforalldocumentsinBuyer’s name
Taxproration(fromdateofacquisition)
Homeowners’Associationtransferfee
HOAproration(fromdateofacquisition)
Allnewloancharges(exceptthoserequiredby lenderforsellertopay)
Interestonnewloanfromdateoffundingto30 dayspriortofirstpaymentdate
Assumption/ChangeofRecordfeesfortakeoverof existingloan(ifapplicable)
BeneficiaryStatementFeeforassumptionof existingloan(ifapplicable)
InspectionFees(roofing,propertyinspection, geological)
HomeWarranty(accordingtocontract)
FireInsurancePremiumforfirstyear
Anybondsorassessments(accordingtocontract)
Thedistinctionbetweenpersonalpropertyandrealpropertycanbethesourceofdifficultiesinarealestatetransaction. Apurchasecontractisnormallywrittentoincludeallrealproperty;thatis,allaspectsofthepropertythatarefastened downorwhichareanintegralpartofthestructure.Forexample,thiswouldincludelightfixtures,draperyrods, attachedmirrors,andtreesandshrubsintheground.Itwouldnotincludepottedplants,free-standingrefrigerators, washer/dryer,microwave,bookcases,lamps,etc.Ifthereisanyuncertaintywhetheranitemisincludedinthesaleor not,itisbesttobesurethattheparticularitemismentionedinthepurchaseagreementasbeingincludedorexcluded.
DISCLAIMER:Thisflyerisnotintendedtobeanall-inclusivelistoffeesandchargesoneverytransaction,butratheraguidetothemajorcostsofbuyingorselling realproperty.WFGwouldbehappytoreviewandexplainyourclosingcostpriortofinalizingthetransactions.
Commonwaystoholdtitletorealproperty
Ownershipofpropertyvested inonepersonratherthanheld jointlywithanother.
Partiesneednotbemarried; maybemorethantwo persons.
Common ways to hold title to real property
Alsocalledsoletenancy.
Thesoleownermayuse, encumber,rent,sell,and conveyattheirdiscretion.
Theownermaytransferthe propertyviaaWill,Trust,ora BeneficiaryDeedupontheir death.
Upondeath,theestateofthe decedentmustbe“cleared” throughprobateor adjudication.
Eachjointtenantholdsan equalandundividedinterest intheestate,unityofinterest.
Onejointtenantcanpartition thepropertybysellinghisor herjointinterest.
Requiressignaturesofalljoint tenantstoconveyor encumberthewhole.
Partiesneednotbemarried; maybemorethantwo persons.
Eachjointtenantholdsan undividedfractionalinterest intheestate.Maybeunequal intereste.g.20%and80%;40%and 60%;etc.
Eachtenant’ssharecanbe conveyed,mortgaged,or devisedtoathirdparty.
Requiressignaturesofallto conveyorencumberthe whole.
Estatepassestosurvivingjoint tenantsoutsideofprobate.
Nocourtactionrequiredto “clear”titleuponthedeathof jointtenant(s).
Upondeath,thetenant’s proportionatesharepasses tohisorherheirsbywillor intestacy.
Upondeath,theestateofthe decedentmustbe“cleared” throughprobate oradjudication.
1
CHERRYCREEKOFFICE/ COMMERCIAL 55MadisonStreet,Suite690 Denver,CO80206 (720)475-8325
NORTHMETROOFFICE 12050NPescosStreet,Suite110 Westminster,CO80234 (720)475-8350
COLORADOSPRINGSOFFICE 8610ExplorerDrive,Suite105 ColoradoSprings,CO80920 (719)598-5355 2
7800EUnionAvenue,Suite410 Denver,CO80237 (720)475-8300 3
W F G ' s M y H o m e
A l t o s M a r k e t R e p o r t
T a l k i n g H o u s e T e n t C a r d s
C C & R ' s ( i f a p p l i c a b l e )
N o t e s
The information contained is provided by WFG’s Customer Service Department to our customers, and while deemed reliable, is not guaranteed.
This week the median list price for Westminster, CO 80031 is $599,000 with the market action index hovering around 39. This is about the same as last month's market action index of 39. Inventory has held steady at or around 80.
This answers “How’s the Market?” by comparing rate of sales versus inventory.
Price of New Listings
In the last few weeks the market has achieved a relative stasis point in terms of sales to inventory. However, inventory is sufficiently low to keep us in the Seller’s Market zone so watch changes in the MAI. If the market heats up, prices are likely to resume an upward climb.
Market Segments
Each segment below represents approximately 25% of the market ordered by price.
Again this week we see prices in this zip code remain roughly at the level they’ve been for several weeks. Since we’re significantly below the top of the market, look for a persistent up-shift in the Market Action Index before we see prices move from these levels.
In the quartile market segments, we see prices in this zip code generally settled at a plateau, although Quartile 1 is on a bit of an up trend in recent weeks. We'll need to see a persistent shift in the Market Action Index before we see prices across the board move from these levels.
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 Median
Inventory has been relatively steady around these levels in recent weeks.
In the last few weeks the market has achieved a relative stasis point in terms of sales to inventory. However, inventory is sufficiently low to keep us in the Seller’s Market zone so watch changes in the MAI. If the market heats up, prices are likely to resume an upward climb.
Not surprisingly, all segments in this zip code are showing high levels of demand. Watch the quartiles for changes before the whole market changes. Often one end of the market (e.g. the highend) will weaken before the rest of the market and signal a slowdown for the whole group.
The properties have been on the market for an average of 84 days. Half of the listings have come newly on the market in the past 53 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.
