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.
Regina Ortega embodies thespirit ofColorado hospitality, blending her lovefor hercommunitywith her passion for real estate, and dedication tofamily values. With herguidance, familiesfind not just houses, but homeswhere theycan build a lifetimeof cherished moments together.
303-819-7361
Regina.Ortega@edprather.com
274 Union Blvd Suite 450, Lakewood, CO
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 alsofriendsfor life.
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.
4641 S LOWELL BLVD #D DENVER, CO 80236
OWNER INFORMATION
OWNER NAME: Christian Schreiber
VESTING:
MAILING ADDRESS: 4641 S Lowell Blvd D Denver CO 80236
OWNER STATUS: Owner occupied
LOCATION DESCRIPTION
COUNTY: Denver
CENSUS / BLOCK: 005503 / 2010
TSP - RNG - SEC: 05S - 68W - 07
LOT / BLOCK: / 2
HOUSING TRACT: Westchester Condos South
ALT PARCEL #:
SCHOOL DISTRICT: Denver County
MUNICIPALITY: Denver PARCEL #: 0807122141141
LAST MARKET SALE
DATE: 07/05/2016
$116,000
LOAN TYPE: New Conventional LOAN TERM: 360 M
PRIOR SALE
DATE: 06/25/2013
$58,000
PROPERTY ADDRESS 4641 S LOWELL BLVD #D
GROSS AREA: 906
LIVING AREA: 906
ABOVE GRADE:
BEDROOMS: 2
BATHROOMS (F/H): 1 / 0
FIREPLACE: 1
YEAR BUILT: 1973
PARKING TYPE:
UNITS:
BASEMENT:
GARAGE AREA: ROOF SHAPE:
FOUNDATION: ROOF MATERIAL:
CONSTRUCTIONS:
HEAT TYPE: Hot Water
COOLING TYPE:
EXTERIOR WALL: MASONRY
ROOMS: 4
QUALITY:
INTERIOR WALL:
PORCH TYPE:
PATIO TYPE:
AIR COND: Y
FIXTURES:
FLOOR:
EQUIPMENT:
STORIES: 1
POOL:
CONDITION: Average
LAND USE: RES CONDO
ZONING: Multi-Unit Dwellings, High Den
COUNTY USE: LOT ACRES: 0.037 STATE USE:
SQ FT: 1,612 LEN / WID:
ASSD YEAR: 2025
ASSD VALUE: $15,300
TAXABLE VAL:
TAX YEAR: 2024
LAND VALUE: $19,700
MKT VALUE: $228,300
TAX AREA: DENVER
IMP VALUE: $208,600
EXEMPTIONS:
PROPERTY TAX: $877.58
IMPROVED %: 91
DISTRICT:
FEMALE POPULATION | 22,266
POPULATION | 21,861
NAME: Kaiser Elementary School
ADDRESS: 4500 South Quitman Street
CHARTER SCHOOL: No
MAGNET SCHOOL: No
CITY, STATE, ZIP: Denver, CO 80236 AREA DESCRIPTION: 11-City: Large
PHONE: (720)424-6210 DISTANCE: 0.31 mile(s)
GRADES: Prekindergarten - 5th Grade
NAME: Alice Terry Elementary School
ADDRESS: 4485 S. Irving St.
TITLE ONE: 1-Yes
CHARTER SCHOOL: No
MAGNET SCHOOL: No
CITY, STATE, ZIP: Englewood, CO 80110 AREA DESCRIPTION: 21-Suburb: Large
PHONE: (720)833-6990
0.34 mile(s)
GRADES: Kindergarten - 2nd Grade TITLE ONE: 1-Yes
NAME: Bear Valley International School
ADDRESS: 3005 South Golden Way
CITY, STATE, ZIP: Denver, CO 80227
CHARTER SCHOOL: No
MAGNET SCHOOL: No
AREA DESCRIPTION: 11-City: Large
PHONE: (720)423-9600 DISTANCE: 2.25 mile(s)
GRADES: 6th Grade - 8th Grade
NAME: Dsst: Henry Middle School
ADDRESS: 3005 South Golden Way
CITY, STATE, ZIP: Denver, CO 80227
PHONE: (303)802-4130
TITLE ONE: 1-Yes
CHARTER SCHOOL: Yes
MAGNET SCHOOL: No
DESCRIPTION: 11-City: Large
2.25 mile(s)
GRADES: 6th Grade - 8th Grade TITLE ONE: 1-Yes
NAME: Soar Academy
ADDRESS: 4107 S. Federal Blvd.
CHARTER SCHOOL: No
MAGNET SCHOOL: No
CITY, STATE, ZIP: Englewood, CO 80110 AREA DESCRIPTION: 21-Suburb: Large
PHONE: (720)833-6797
GRADES: 9th Grade - 12th Grade
NAME: John F Kennedy High School
ADDRESS: 2855 South Lamar Street
0.70 mile(s)
ONE: 1-Yes
CHARTER SCHOOL: No
MAGNET SCHOOL: No
CITY, STATE, ZIP: Denver, CO 80227 AREA DESCRIPTION: 11-City: Large
PHONE: (720)423-4300 DISTANCE: 2.66 mile(s)
GRADES: 9th Grade - 12th Grade TITLE ONE: 1-Yes
Superintendent: AlexMarrero
StudentswithDisabilities 2024PerformanceFrameworkResults
OfficialPerformanceRating
Howareperformanceframeworkratingsdetermined? ⓘ PerformanceIndicatorRatings
Howdidstudentsperformondifferentpartsofthe performanceframework?
Postsecondary& WorkforceReadiness: Approachingⓘ DoesNotMeet Expectations Exceeds Expectations Meets Expectations Approaching Expectations
Achievement: Approachingⓘ
Whatdoesthisratingmeanandhowdoesit comparetootherdistricts?
Whereisthedistrictfocusingits attention?
Whatissuesunderliethese challenges?
Growth: Meetsⓘ
GiftedStudentIdentification
Listcontinues.Clickbelowtoviewmore.
Post-SecondaryReadiness-Graduationgaps
StudentAchievement:EarlyLiteracyresults arebelowexpectations
Inconsistentconnectionswithfamilies
IneffectiveSystemforDifferentiationand Culturally/LinguisticallyResp.Prac. IneffectiveStudentEngagement (Attendance)Systems
Listcontinues.Clickbelowtoviewmore.
Whatstrategieshavebeenputin placetoaddressrootcauses?
SafeandWelcomingEnvironment EquitableSystemsExperiences
TeachingandLearning
Principal: LauraVasta SchoolWebsite
StudentswithDisabilities 2024PerformanceFrameworkResults What
OfficialPerformanceRating
Howareperformanceframeworkratingsdetermined?
PerformanceIndicatorRatings
Howdidstudentsperformondifferentpartsofthe performanceframework?
AchievementinLiteracyand Math,44982024
AttendanceDailyRatings,44982024
in placetoaddressrootcauses?
Principal:
DenverCounty1
OfficialPerformanceRating
Howdidstudentsperformondifferentpartsofthe performanceframework?
Achievement: Approachingⓘ
Growth: Approachingⓘ
growthinELA,10772024
Lowgrowthinmath,10772024
Lowstudentattendance,10772024
putin placetoaddressrootcauses?
Principal: TiffanyAlmon SchoolWebsite
ServesGrades09-12 2023-24Student
StudentswithDisabilities 2024PerformanceFrameworkResults What
OfficialPerformanceRating
Howareperformanceframeworkratingsdetermined? ⓘ PerformanceIndicatorRatings
Howdidstudentsperformondifferentpartsofthe performanceframework?
Postsecondary& WorkforceReadiness: Approachingⓘ
Whereistheschoolfocusingits attention? Whatissuesunderliethese challenges? Whatstrategieshavebeenputin placetoaddressrootcauses?
729,019 $91,700 33 51% 49%
Denver Public Schools
Cherry Creek School District
Adams 12 Five Star Schools
19.6% of Homes Owner Occupied
80.4% of Homes Rented
POPULATION DENSITY
3,923 Inhabitants per Sq. Mile
338,341 Housing Units at an Average Density of 1,751 per Sq. Mile
AGE DEMOGRAPHIC
22.0% under age 18
10.7% between ages 18 to 24
36.1% between ages 25 to 44
20.0% between ages 45 to 64
11.3% above age 65
CITY QUICK FACTS
Most populous city in Colorado
19th most populous city in the United States
154.726 square miles
5,280 feet elevation
Highest Average Temperature 89.9º
Lowest Average Temperature 18º
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
Verizon (800) 483-4100 www.verizon.com
AT&T (800) 288-2020 www.att.com
Dish Network (800) 318-0572 www.dish.com
DIRECT TV (800) 531-5000 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 www.my.xcelenergy.com
Denver Water & Sewer (303) 893-2444 www.denverwater.org
Waste Management Garbage (303) 797-1600 www.wm.com
Waste Connections (303) 288-2100 www.wcdenver.com
Denver County School District 1 (720) 423-3200 www.dpsk12.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
Change of Address: Change your address with the S, DMV, Financial Institutions, Utilities, Government es, Health Care Service Providers, Memberships, Subscriptions and Insurance Provisions
YourChangeofAddress:Changeyouraddresswiththe USPS,DMV,FinancialInstitutions,Utilities,Government Offices,HealthCareServiceProviders,Memberships, SubscriptionsandInsuranceProvisions.
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.
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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.
REPORT FOR 10/22/2025
Condos/Townhomes
This week the median list price for Denver, CO 80236 is $269,500 with the market action index hovering around 33. This is an increase over last month's market action index of 29. Inventory has decreased to 12.
This answers “How’s the Market?” by comparing rate of sales versus inventory.
Home sales have been exceeding new inventory for several weeks. However prices have not yet stopped falling. Since the market is already in the Seller's zone, expect prices to level off very soon. Should the sales trend continue expect that prices could climb from there.
Slight Seller's Advantage
Each segment below represents approximately 25% of the market ordered by price.
Prices in this zip code have been on a downward trend recently and this week, while essentially flat, doesn't break us out of that cycle.
In the quartile market segments, we see prices in this zip code without strong directional trend lately. Prices in Quartiles 1 and 4 have been mixed in recent weeks, while Quartile 3 is down and Quartile 2 is up. Look to the Market Action Index to determine when we may see a shift in prices from these current levels.
Despite recently falling prices, the price per square foot has stayed reasonably flat. This implies that there's a portion of the market being priced at a premium. You can investigate this condition in the quartile details. 7-Day
Inventory has been falling in recent weeks. Note that declining inventory alone does not signal a strengthening market. Look to the Market Action Index and Days on Market trends to gauge whether buyer interest is changing with the available supply.
Home sales have been exceeding new inventory for several weeks. However prices have not yet stopped falling. Since the market is already in the Seller's zone, expect prices to level off very soon. Should the sales trend continue expect that prices could climb from there.
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 78 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