530 Silver Creek Rd, ID Springs -HC

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KELLY ETTORE

Fifteenyearsago,Kellymadethemovefrom OhiotoColorado,whereshehassincebuilta careerthatblendstwoofhergreatest passions:helpingpeopleandmakinga meaningfuldifferenceintheirlives.

Kelly.Ettore@edprather.com

Whethernavigatingthe complexitiesofa transactionoroffering guidanceduringtough decisions,hergoalis alwaysthesame:to maketheexperienceas seamlessandrewarding aspossible.

Whether navigating the complexities of a transaction or offering guidance during tough decisions, her goal is always the same: to make the experience as seamless and rewarding as possible.

Beforetransitioningintorealestate,Kellyspent severalyearsasasocialworker,honingskillsinhuman behavior,problem-solving,andempathy.

Thisbackgroundgivesherauniqueperspectivewhen guidingclientsthroughthesignificantdecisionof buyingorsellingahome.

Outsideofwork,Kellyenjoyspracticingyoga,curlingup withagoodbook,andspendingtimewithfriends,family, andhertwokittiesCharlieandCherry.

Withacombinationofnegotiationskills,aclient-first mentality,andagenuinepassionforhelpingpeoplefind theirperfecthome,Kellyhasexcelledinrealestateand builtlastingrelationshipswithclients.

Property Details

Maps

Local Schools

Community Utilities & Resources

Title & Escrow

The information contained is provided by WFG’s Customer Service Department to our customers, and while deemed reliable, is not guaranteed.

PROPERTY DETAILS

530 SILVER CREEK RD IDAHO SPRINGS CO 80452

R005238 CLEAR CREEK COUNTY CO

OwnerInformation

OwnerName: BRITTAIN JESSE D / Vesting:

MailAddress: 530 SILVER CREEK RD IDAHO SPRINGS CO 80452

OwnerStatus:

LocationInformation

LegalDesc: SUBDIVISION: SAINT MARYS SUBDIVISION LOT: 36 U1 314/341

County: CLEAR CREEK

Census/Block: 014702 / 2030

Tsp-Rng-Sec: T-R-S

Lot/Block: Lot: 36 Block:

HousingTract: SAINT MARYS SUBDIVISION

LastMarketSale

AltParcel# 1837-023-01-036

SchoolDistrict: CLEAR CREEK RE-1

Municipality:

Parcel#: R005238

Date: / Lender:

SalePrice:Loan:

Document#:Document#:

DocType:LoanType:

$Sqft: $ LoanTerm: PriorSaleInformation

Date: / Lender:

Price:Loan:

Document#:Document#:

DocType:LoanType:

Theaboveisbelievedtobeaccurate,butisnotguaranteed.

530 SILVER CREEK RD IDAHO SPRINGS CO 80452

R005238

CLEAR CREEK COUNTY CO

PropertyCharacteristics

GrossArea: 2 400

LivingArea: 2 400

GarageArea:InteriorWall

RoofShape:PorchType:

AboveGrade: 2,400 Foundation:PatioType:

Bedrooms:RoofMaterial:AirCond:

Bath(F/H): 2/ Construction:Fixtures:

Fireplace: WOOD STOVE

YearBuilt: 2023

ParkingType:

PropertyInformation

HeatType:Floor:

CoolingType:Equipment:

MAPS

ASSESSOR MAP

This map/plat is being furnished as an aid in locating described land in relation to adjoining streets, natural boundaries and other land, and is not a survey of the land depicted. Except to the extent a policy of title insurance is expressly modified by endorsement, if any, the company does not insure dimensions, distances, location of easements, acreage or other matters shown thereon.

STREET MAP

This map/plat is being furnished as an aid in locating described land in relation to adjoining streets, natural boundaries and other land, and is not a survey of the land depicted. Except to the extent a policy of title insurance is expressly modified by endorsement, if any, the company does not insure dimensions, distances, location of easements, acreage or other matters shown thereon.

AERIAL MAP

This map/plat is being furnished as an aid in locating described land in relation to adjoining streets, natural boundaries and other land, and is not a survey of the land depicted. Except to the extent a policy of title insurance is expressly modified by endorsement, if any, the company does not insure dimensions, distances, location of easements, acreage or other matters shown thereon.

CITY BOUNDARY MAP

This map/plat is being furnished as an aid in locating described land in relation to adjoining streets, natural boundaries and other land, and is not a survey of the land depicted. Except to the extent a policy of title insurance is expressly modified by endorsement, if any, the company does not insure dimensions, distances, location of easements, acreage or other matters shown thereon.

SCHOOLS

SCHOOLS

530 SILVER CREEK RD IDAHO SPRINGS CO 80452

R005238

CLEAR CREEK COUNTY CO

Clear Creek School District No. Re-1

Elementary School

Carlson Elementary School 1300 Miner Street

IDAHO SPRINGS CO 80452

Grades: K to 05

Middle School

Clear Creek Middle School

185 Beaver Brook Canyon Road

EVERGREEN CO 80439

Grades: 06 to 08

High School

Clear Creek High School

185 Beaver Brook Canyon Road

EVERGREEN CO 80439

Grades: 09 to 12

303-567-4431

Distance: 8.3 Miles

303-679-4600

Distance: 14.61 Miles

303-679-4600

Distance: 14.61 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.

Whatistheperformance framework?

2024PerformanceFrameworkResults

PerformanceIndicatorRatings

Howdidstudentsperformondifferentpartsofthe performanceframework?

OfficialPerformanceRating

Howareperformanceframeworkratingsdetermined?

Postsecondary&

WorkforceReadiness: Meets

Achievement: Approaching

Growth: Approaching

Exceeds Expectations Meets Expectations Approaching Expectations

DoesNotMeet Expectations

Howdothedifferentperformanceindicators factorintotheofficialperformancerating?

WhatisUnified ImprovementPlanning?

ImprovementStrategies

Whatstrategieshavebeenputin placetoaddressrootcauses?

Whatdoesthisratingmeanandhowdoesit comparetootherdistricts?

UnifiedImprovementPlannotAvailable

RootCauses

Whatissuesunderliethese challenges?

PerformanceChallenges

Whereisthedistrictfocusingits attention?

Whatistheperformance framework?

2024PerformanceFrameworkResults

PerformanceIndicatorRatings

Howdidstudentsperformondifferentpartsofthe performanceframework?

Achievement: Approaching

Growth: Meets

Exceeds Expectations Meets Expectations Approaching Expectations

DoesNotMeet Expectations

Howdothedifferentperformanceindicators factorintotheofficialperformancerating?

WhatisUnified ImprovementPlanning?

ImprovementStrategies

Whatstrategieshavebeenputin placetoaddressrootcauses?

Rigorous&RelevantInstructional Practices

Whatdoesthisratingmeanandhowdoesit comparetootherschools?

2024-25UnifiedImprovementPlan

RootCauses

Whatissuesunderliethese challenges?

DifferentiationwithintheCurricula

PerformanceChallenges

Whereistheschoolfocusingits attention?

Principal: MarciaJochim

Whatistheperformance framework?

2024PerformanceFrameworkResults

PerformanceIndicatorRatings Howdidstudentsperformondifferentpartsofthe

Growth: DoesNotMeet

Howdothedifferentperformanceindicators factorintotheofficialperformancerating?

WhatisUnified ImprovementPlanning?

ImprovementStrategies

Whatstrategieshavebeenputin placetoaddressrootcauses?

Whatdoesthisratingmeanandhowdoesit comparetootherschools?

2023-24UnifiedImprovementPlan

RootCauses

Whatissuesunderliethese challenges?

PerformanceChallenges

Whereistheschoolfocusingits attention?

Adoptnewmathcurriculumthataligns withtheelementaryprograms ClickHeretoViewFullPeformanceFrameworkReport

Growthisnotsufficienttosupport achievementandcloselearninggaps

Implementamathpilotforprogram

Whatistheperformance framework?

2024PerformanceFrameworkResults

Postsecondary& WorkforceReadiness: Meets

PerformanceIndicatorRatings

Howdothedifferentperformanceindicators factorintotheofficialperformancerating?

WhatisUnified ImprovementPlanning?

ImprovementStrategies

Whatstrategieshavebeenputin placetoaddressrootcauses?

Listcontinues.Clickbelowtoviewmore. Improvedparentcommunication Competitivesalaryforinstructionalstaff CodingErrors

Whatdoesthisratingmeanandhowdoesit comparetootherschools?

2018-19UnifiedImprovementPlan

RootCauses

Whatissuesunderliethese challenges?

LimitedParentInvolvementinStudent AcademicAchievement CodingErrors

LimitedProfessionalDevelopment

Listcontinues.Clickbelowtoviewmore.

ClickHeretoViewFullUnifiedImprovementPlan

PerformanceChallenges

Whereistheschoolfocusingits attention?

1.Staffturnoverplacescontinualstresson testingsystems,proceduresandper

Inadequateand/orineffective communicationprocesseswiththe parent/caretak

ClickHeretoViewFullPeformanceFrameworkReport

COMMUNITY

IDAHO SPRINGS COLORADO

6,392 POPULATION

$113,597

MEDIAN INCOME

50

MEDIAN AGE

Idaho Springs is located in Clear Creek County, Colorado, nestled in the heart of the Rocky Mountains along the Interstate 70 corridor, about 30 miles west of Denver. Surrounded by steep mountain terrain and historic mining sites, the town sits along Clear Creek and serves as a popular gateway to the Mount Evans Scenic Byway. Its location offers easy access to outdoor recreation, Including hiking, skiing, and whitewater rafting, while maintaining a small-town mountain charm.

SCHOOL DISTRICTS

Clear Creek School District RE-1

HOUSING

77.5% of Homes Owner Occupied

22.5% of Homes Rented

POPULATION DENSITY

33 Inhabitants per Sq. Mile—CCD

2,965 Homes—CCD

864 Homes in Town

813 People per Sq. Mile in Town Average Household Size of 2

AGE DEMOGRAPHIC

12.6% under age 18

6.3% between ages 18 to 24

23.3% between ages 25 to 44

31.7% between ages 45 to 64

26.1% above age 65

CITY QUICK FACTS

Defined as a Census County Division in Addition to the Town of 1,869 Population as a Town Town of 2.3 Square Miles

192.8 Square Miles as CCD

7,526 Feet Elevation

Highest Average Temperature 79º

Lowest Average Temperature 15º

Idaho Springs was founded in 1859 during the height of the Colorado Gold Rush, when prospector George A. Jackson discovered gold in Clear Creek — one of the first major strikes in the Rocky Mountains. This discovery sparked a mining boom that led to the rapid development of the town and surrounding region. Idaho Springs soon became a central hub for hard rock mining, and remnants of that era are still visible today in historic buildings and sites like the Argo Mill and Tunnel. The town's name comes from the nearby natural hot springs, which were long used for their therapeutic qualities.

CLEAR CREEK COUNTY BASE MAP

R005238

Animal - Services

NameAddressTelephoneDistance

NederlandVeterinaryHospital686Highway119303-258-735511.91Mi

Banks

NameAddressTelephoneDistance

FirstStateBank1441MinersCandleRd303-567-26965.92Mi

ClearCreekNationalBankPoBox337303-569-97006.49Mi

ClearCreekNationalBank1546MinerSt303-567-97008.56Mi

FirstStateBankDriveIn22116thAve303-567-45098.57Mi

MutualofOmahaBank1744MinerSt303-567-26968.64Mi

Coffee Shops

NameAddressTelephoneDistance

Starbucks:Breeze/MaxSkiRen999Cr-308303-567-45303.91Mi

Starbucks:Vail@Dumont308CountyRd303-567-45304.31Mi

CoffeeHouse1400ArgentineSt303-569-35417.56Mi

Starbucks:IntrawestWinterP201ZephyrWay970-722-54007.86Mi

Carver'sBakeryCafe93CooperCreekWay970-726-820210.21Mi

Eating and Drinking Places

NameAddressTelephoneDistance

Kermitt'sRoadhousePoBox238303-567-41130.89Mi

BurgerKing1097Cr-308303-567-23803.88Mi

SubwaySandwiches&Salads1039Cr-308303-567-42133.90Mi

ThePeckHouse83ESunnyAve303-569-98704.23Mi

GolddustSaloon409EParkAve303-569-25054.25Mi

Theaboveisbelievedtobeaccurate,butisnotguaranteed. Copyright©1995-2025CDSMarketing,Inc.

Meadow/RidgeCourseatPoleCWinterParkDentalLLC,21Kin970-726-884710.87Mi

Grocers and Supermarkets

NameAddressTelephoneDistance

Ope'sMountainMart8630FallRiverRd303-567-07460.42Mi

GeorgetownMarket1202ArgentineSt303-569-24647.67Mi

SafewayFood&Drug2425MinerSt303-567-23269.06Mi

7-ElevenStoreNo2219378878US-40970-726-972010.29Mi Shed78672US-40970-726-991210.47Mi

Health Clubs and Spas

NameAddressTelephoneDistance

ClearCreekMetropolitanRecr1130IdahoSt303-567-48228.36Mi

SnowblazeAthleticClub79075US-40970-726-934210.12Mi

SnowblazeAthleticClub79114Us-40970-726-934210.13Mi

AllegiantManagementLlc78884US-40970-726-570110.30Mi WinterParkAthleticClub78878US-40970-722-788210.30Mi

Offices and Clinics of Dentists NameAddressTelephoneDistance

Kooken,KarenBDds1800ColoradoBlvd,#blvd-4303-567-25978.66Mi

Offices and Clinics of Medical Doctors

NameAddressTelephoneDistance

NortonJeffryVeterinarian1209MineRd303-567-28951.35Mi

CenturaHealth145ParsennRd970-726-80667.99Mi

Theaboveisbelievedtobeaccurate,butisnotguaranteed. Copyright©1995-2025CDSMarketing,Inc.

Offices and Clinics of Medical Doctors

NameAddressTelephoneDistance

ClearCreekVeterinaryClinic1209MinerSt303-567-28958.39Mi ChicagoCreekClinic431ChicagoCreekRd303-567-92018.43Mi

ClearCreekCounselingLLC22517thAve303-567-44558.62Mi

Pharmacies

NameAddressTelephoneDistance

ClearCreekAmbulance3400StanleyRd303-567-42215.09Mi 7-mileClinicMedicalClinic145ParsennRd970-726-80667.92Mi DenverHealthEastGrandComm145Parsennroad970-726-42997.95Mi AaaFamilyDentalCenterIii8016thSt303-569-31418.09Mi ClearCreekCountyNursingSe1531ColoradoBlvd303-567-31478.54Mi

Theaboveisbelievedtobeaccurate,butisnotguaranteed. Copyright©1995-2025CDSMarketing,Inc.

UTILITIES & RESOURCES

CHANGE OF ADDRESS

USPS

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.

Colorado Department of Transportation

Below is the website if you would like to change your address online or have any questions.

Region 1 and Headquarters

Denver/Central Colorado 2829 W Howard Place Denver, CO 80204 (303) 759-2368

www.codot.gov

VOTER REGISTRATION

Below is the website if you would like to change your address online or you can 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

Clear Creek County 405 Argentine Street, Georgetown, CO 80444 (303) 679-2339

MOVING CHECKLIST

UTILITIES

Electric

NW Natural Gas

Water District

Sewer District

Garbage Provider

Cable/Satellite

Fuel (Propane)

Phone Services

Internet

FINANCIAL INSTITUTIONS

Banks and Credit Unions

Credit Card Companies (including department store credit cards)

Lenders

(Mortgage, Home Equity, Auto, Student Loans)

Insurance Companies (Health, Renters, Auto, Home, Medical, Dental, Disability, Life)

Retirement (Pension plans, 401K, Social Security, Veterans 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)

MOVING CHECKLIST

8 WEEKS BEFORE YOUR MOVE

Inventory Sheets: Create an inventory sheet of all your belongings which need to be moved

Research Moving Options: You ’ll need to decide if yours is a do-it-yourself move or if you’ll be using a moving company.

Request Moving Quote: Solicit moving quotes from as many moving companies and movers as possible. There can be a large 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.

4 WEEKS BEFORE YOUR MOVE

Start Packing: Begin packing all things destined for your new location.

Obtain Your Medical Records: Contact your doctor, physician, dentist and other medical specialists who may currently be retaining any of your family ’s medical records. Obtain these records or make plans for them to be delivered to your new medical facilities if changing. Security is critical of personal records.

Note Food Inventory Levels: Check your cupboards, refrigerator and freezer. Use up as much of your perishable food as possible.

Small Engines: Service small engines for your move by extracting gas and oil from the machines. This will reduce that chance to catch 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.

1 WEEK BEFORE YOUR MOVE

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.

MOVING DAY

Plan Your Itinerary: Make plans to spend the entire day at the house or at least until the movers are on their way. Someone will need to be around to make decisions. Make plans for kids and pets to be at a sitters for the day.

Review the House: Once the house is empty, check the entire house (closets, attic, basement, etc.) to ensure no items are left or no home issues exist.

Double Check With Your Mover: Ensure the mover has the new property address and all of your most recent contact information, should they have any questions during your move.

Vacate Your Home: Make sure utilities are 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?

RESOURCE GUIDE

AIRPORT

Denver International Airport (720) 730-4359

www.flydenver.com

Eagle County Regional Airport (970) 328-2680

www.flyvail.com

AUTO & DRIVER REGISTRATION

Department of Transportation (303) 759-2368 www.codot.gov

BUS SERVICE

RoundAbout Transit (970) 409-6714 www.clearcreekcounty.us

Bustang—Outrider https://ridebustang.com/

Greyhound (970) 668-9290 www.greyhound.com

CABLE TV, INTERNET, PHONE & SATELLITE

Century Link (866) 963-6665 www.centurylink.com

Dish Network (800) 318-0572 www.dish.com

Quantum Fiber 1(833) 875-1375 www.quantumfibersavings.com

DIRECT TV (800) 531-5000 www.directtv.com

XFINITY

(800) 266-2278

www.xfinity.com

NEWSPAPERS

Clear Creek Courant (303) 567-4491 clearcreekcourant.com

The Canyon Courier (303) 674-5534 canyoncourier.com

CITY CONTACTS

Idaho Springs (303) 567-4291

Georgetown (303) 569-2555

Empire (303) 569-2978

Silver Plume (303) 569-2363

EDUCATION

Clear Creek School District (303) 567-3850 www.ccsdre1.org/

GARBAGE

Waste Management Garbage (800) 482-6406 www.wm.com

Waste Connections (303) 674-5922 wasteconnections.com

Republic Services 1(877) 692-9729 republicservices.com

Clear Creek Transfer Station (303) 679-2482 www.co.clear-creek.co.us

Layden Landfill (303) 288-2100 www.wasteconnections.com

NATURAL GAS & ENERGY

Xcel Energy (800) 895-4999 co.my.xcelenergy.com

United Power (303) 637-1300 www.unitedpower.com

Amerigas

1(800) 263-7442 www.amerigas.com

Farrellgas 1(888) 337-7355 www.ferrellgas.com

WATER

& SEWER

City of Idaho Springs (303) 567-4421 ext. 113 cityofidahosprings.colorado.gov

Georgetown Public Works (303) 569-2555 ext. 4 www.townofgeorgetown.us

Empire Water & Sewer (303) 569-2978 townofempire.colorado.gov/

Silver Plume Water District (303) 578-9228 www.townofsilverplume.com/

RECREATION

Arapaho National Forest

Roosevelt National Forests

Clear Creek History Park

Georgetown Loop Railroad

Loveland Ski Area

Winter Park Resort

Echo Lake

Clear Creek River

TITLE & ESCROW

CYBER SECURITY

Because of you… we obsess over cyber security!

Cyber fraud and email hacking is on the rise. Fraudsters may access individual email accounts and monitor the life of your transaction. At the time funds are due to the escrow, fraudsters intercept the information for wiring funds and the fraudsters change the information without the knowledge of the sender or recipient, resulting in the funds being sent to an outside account and never credited to the intended party.

To protect and reduce your risk, WFG has implemented the following procedures for outgoing and incoming wires:

Outgoing Wire from WFG to seller or borrower for proceeds

In the escrow paperwork provided you will be asked to provide written instructions on how you want funds dispersed at the close of escrow. If you choose to have the funds sent via wire transfer, WFG will contact you by phone to con rm the wire information provided.

Incoming Wires from buyer and/or lender to WFG bank account

For funds that are to be wired to WFG for your transaction, we will send speci c wire instructions to the remitting person via an encrypted email. We recommend you reach out to your WFG contact to con rm the wire instructions prior to remittance.

We look forward to processing your escrow transaction for you. We know that this can be a stressful time and we are here to assist you in any way we can to make this a good experience.

http://national.wfgnationaltitle.com/2016/04/05/obsess-cyber-security/

WIRE FRAUD

PROTECT YOUR MONEY WHEN BUYING A HOME: YOUR WIRE FRAUD CHECKLIST

Every day, hackers try to steal your money by emailing fake wire instructions. Criminals will use a similar email address and steal a logo and other info to make it look like the email came from your real estate agent or title company. You can protect yourself and your money by following the steps below.

Don’t send sensitive nancial information via email.

Call, don’t email. Con rm your wiring instructions by phone using a known number before transferring funds.

We will never email wiring instructions to you nor change WFG account information after it’s been provided to you by our sta .

Keep your email account clean, remove any stale messages. Hackers can watch your business patterns and use this information against you.

Ask your bank to con rm the name on the account before sending a wire.

Call your title company or real estate agent within four to eight hours to con rm they have received your money.

This is for informational purposes only and should not be considered legal advice.

WHY IS OWNER’S TITLE INSURANCE IMPORTANT?

The purchase of a home is likely going to be one of the most expensive and important purchases you will ever make. You and your mortgage lender want to make sure the property is indeed yours and that no individual or government entity has any right, lien, claim, or encumbrance to your property.

The title insurance company’s function is to make sure your rights and interests to the property are clear, that transfer of title takes place e ciently, and correctly, and your interests as a homebuyer are protected. Title insurance companies provide services to buyers, sellers, real estate developers and builders, mortgage lenders, and others who have an interest in the real estate transfer. Title companies issue two types of policies - “Owners Policy” (which covers the homebuyer) and “Lenders Policy” (which covers the bank, savings and loan, or other lending institution over the life of a loan). Both are issued at the time of purchase for a one-time premium.

The title company conducts an extensive search of public records to determine if anyone other than you has an interest in the property before issuing a policy. The search may be performed by title company personnel using either public records, or more likely, information gathered, reorganized, and indexed in the company’s title “plant”. With such a thorough examination of records, title problems can usually be found and cleared up prior to purchase of the property. Once a title policy is issued, if for some reason any claim, which is covered under your title policy, is ever led against your property, the title company will pay the legal fees involved in defense of your rights as well as any covered loss arising from a valid claim. That protection, which is in e ect as long as you or your heirs own the property, is yours for a one-time premium paid at the time of purchase.

The title company works to eliminate risks before they develop. This makes title insurance di erent from other types of insurance. Most forms of insurance assume risks by providing nancial protection through a pooling of risks or losses arising from unforeseen events, like re, theft, or accident. The purpose of title insurance, on the other hand, is to eliminate risks and prevent losses caused by defects in title that happened in the past. Risks are examined and mitigated before property changes hands. Eliminating risk has bene ts to both of you, the home buyer, as well as the title company. It reduces the chance adverse claims might be raised, and by doing so reduces the number of claims that have to be defended or satis ed. This keeps costs down for the title company and your title premiums low. With title insurance you are assured that any valid claim against your property will be taken on by the title company, and that the odds of a claim being led is slim.

WHAT IS ESCROW

When your o er has been accepted and conveyed, escrow is opened. An escrow is an arrangement made under contract between a buyer and seller. As the neutral third party, escrow is responsible for receiving and disbursing money and/ or documents. Both the buyer and seller expect the escrow agent to carry out their written instructions associated with the transaction and also to advise them if any of their instructions are not being met, or cannot be met. If the instructions from all parties to an escrow are clearly set out, the escrow o cer can proceed on behalf of the buyer and seller without further consultation.

TYPICAL ROLES IN THE CLOSING PROCESS

The Seller/Agent

• Delivers Purchase Sale Agreement to the escrow agent

• Prepares the paperwork necessary to close the transaction

• Approves the commitment for title insurance, or other items as called for by the Purchase Sale Agreement

The Buyer/Agent

• Deposits funds required to close with the escrow agent

• Executes the paperwork and loan documents necessary to close the transaction

The Lender

• Deposits loan documents to be provided by the buyer

• Deposits the loan funds

• Informs the escrow agent of the conditions under which the loan funds may be used

The Escrow Agent

• Clears Title

• Obtains title insurance

• Obtains payo s and release documents for underlying loans on the property

• Receives funds from the buyer and/or lender

• Prepares vesting document a davit on seller’s behalf

• Prorates insurance, taxes, rents, etc.

• Prepares a nal statement (often referred to as the Closing Disclosure or CD) for each party, indicating amounts paid in conjunction with the closing of your transaction

• Forwards deed to the county for recording

• Once the proper documents have been recorded, the escrow agent will distribute funds to the proper parties

Escrow is the process that gathers and processes many of the components of a real estate transaction. The escrow agent is a neutral third party acting on behalf of the buyer and seller.

WHAT IS TITLE

Title insurance insures against nancial loss from defects in title, liens, or other matters. It protects both purchasers and lenders against loss by the issuance of a title insurance policy. Usually, during a purchase transaction the lender requests a policy (commonly referred to as the Lender’s Policy) while the buyers receive their own policy (commonly referred to as an Owner’s Policy).

It will protect against lawsuits if the status of the title to a parcel or real property is other than as represented, and if the insured (either the owner or lender) su ers a loss as a result of a title defect. The insurer will reimburse the insured for that loss and any related legal expenses.

How is title insurance di erent than other types of insurance?

While the purpose of most other types of insurance is to assume risk through the pooling of monies for losses happening because of unforeseen future events (like sickness or accidents), the primary purpose of title insurance is to eliminate risks and prevent losses caused by defects in title arising out of events that have happened in the past. To achieve this, title insurers perform a thorough search and examination of the public records to determine whether there are any adverse claims (title defects) attached to the subject property. These defects/claims are either eliminated prior to the issuance of a title policy or their existence is excepted from coverage. The policy is issued after the closing of your new home, for a one time nominal fee, and is good for as long as you own the property.

What’s involved in a title search?

A title search is made up of three separate searches:

• Chain of Title – History of the ownership of the subject property

• Lien & Encumbrance Search – Discloses liens and encumbrances on the subject property

• Exceptions from Coverage Search –Includes Easements, Covenants, Conditions and Restrictions, etc.

After the three searches have been completed, the le is reviewed by an examiner who determines:

• If the Chain of Title shows that the party selling the property has the rights to do so.

• Whether there are any unsatis ed judgments on the Judgment and Name Search against the previous owners, sellers, or/and purchasers.

Rights established by judgment decrees, unpaid federal income taxes, and mechanics liens all may be prior claims on the property, ahead of the buyer’s or lender’s rights. The title search will only uncover issues in title that are of public record and therefore allowing the title company to work with the seller to clear up these issues and provide the new buyer with title insurance.

Once the searches have been examined, the title company will issue a commitment, stating the conditions under which it will insure title. The buyer, seller, and the mortgage lender will proceed with the closing of the transaction after clearing up any defects in the title that have been uncovered by the search and examination.

WHO PAYS FOR WHAT IN COLORADO

The examples below are typical. However, the real estate purchase agreement will ultimately determine who is paying for what expenses.

The Seller

• Real Estate Commission

• Document preparation fee for Deed

• Payo of all loans in the seller’s name (or existing loan balance if being assumed by Buyer)

• Interest accrued to lender being paid o

• Statement Fees, Reconveyance Fees, and any prepayment penalties to Payo Lender

• Home Warranty (according to contract)

• Any judgments, tax liens, etc. against the seller

• Tax proration (for any taxes unpaid at time of transfer of title)

• Any unpaid Homeowners’ Association dues

• Recording charges to clear documents of record against seller

• Any bonds or assessments (according to contract)

• Any and all delinquent taxes

• Notary Fees

Personal Property vs. Real Property

The Buyer

• Title Insurance Premium for Lender’s Policy

• Escrow Fee (one half)

• Document preparation (if applicable)

• Notary fees

• Recording charges for all documents in Buyers’ names

• Tax proration (from date of acquisition)

• Homeowners’ Association transfer fee

• HOA proration (from date of acquisition)

• All new loan charges (except those required by lender for seller to pay

• Interest on new loan from date of funding to 30 days prior to rst payment date

• Assumption/Change of Record fees for takeover of existing loan (if applicable)

• Bene ciary Statement Fee for assumption of existing loan (if applicable)

• Inspection Fees (roo ng, property inspection, geological)

• Home Warranty (according to contract)

• Fire Insurance Premium for rst year

• Any bonds or assessments (according to contract)

The distinction between personal property and real property can be the source of di culties in a real estate transaction. A purchase contract is normally written to include all real property; that is, all aspects of the property that are fastened down or which are an integral part of the structure. For example, this would include light xtures, drapery rods, attached mirrors, and trees and shrubs in the ground. It would not include potted plants, free-standing refrigerators, washer/dryer, microwave, bookcases, lamps, etc. If there is any uncertainty whether an item is included in the sale or not, it is best to be sure that the particular item is mentioned in the purchase agreement as being included or excluded.

DISCLAIMER:

This information is provided for informational purposes only and no warranties are made.

TITLE VESTING

TENANCY IN SEVERALTY

Ownership of property vested in one person rather than held jointly with another.

JOINT TENANCY WITH RIGHT OF SURVIVORSHIP TENANCY IN COMMON

Parties need not be married; may be more than two persons.

Parties need not be married; may be more than two persons.

Also called sole tenancy.

The sole owner may use, encumber, rent, sell, and convey at their discretion.

The owner may transfer the property via a Will, Trust, or a Bene ciary Deed upon their death.

Each joint tenant holds an equal and undivided interest in the estate, unity of interest.

Upon death, the estate of the decedent must be “cleared” through probate or adjudication.

One joint tenant can partition the property by selling his or her joint interest.

Each joint tenant holds an undivided fractional interest in the estate. May be disproportionate interest e.g. 20% and 80%; 40% and 60%; etc.

Each tenant’s share can be conveyed, mortgaged, or devised to a third party.

Requires signatures of all joint tenants to convey or encumber the whole.

Requires signatures of all to convey or encumber the whole.

Estate passes to surviving joint tenants outside of probate.

No court action required to “clear” title upon the death of joint tenant(s).

Upon death, the tenant’s proportionate share passes to his or her heirs by will or intestacy.

Upon death, the estate of the decedent must be “cleared” through probate or adjudication.

DISCLAIMER – The foregoing contains informational examples only and is not to be construed as legal advice. Given the complexities involved in acquiring and holding legal title to real property, WFG strongly recommends that you seek legal advice from an attorney prior to doing so.

55 Madison Street, Suite 690

Denver, CO 80206 (720) 475-8325

NORTH

12050 N Pescos Street, Suite 110 Westminster, CO 80234 (720) 475-8350

8610 Explorer Drive, Suite 105

Colorado Springs, CO 80920 (719) 598-5355

7800 E Union Avenue, Suite 310 Denver, CO 80237 (720) 475-8300

3. DENVER TECH CENTER / COMMERCIAL
4.
METRO OFFICE
2. COLORADO SPRINGS OFFICE
1. CHERRY CREEK OFFICE

TABLE OF CONTENTS

Altos Market Report

WFG’s My Home

Talking House Tent Cards

CC&R’s (if applicable)

The information contained is provided by WFG’s Customer Service Department to our customers, and while deemed reliable, is not guaranteed.

Your Local Market Report

Idaho Springs, CO 80452

REPORT FOR 7/22/2025

Single-Family Homes

This week the median list price for Idaho Springs, CO 80452 is $725,000 with the market action index hovering around 32. This is about the same as last month's market action index of 32. Inventory has increased to 41.

Market Action Index

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

Slight

Seller's Advantage

Market Narrative

In the last few weeks, the Market Action Index has resumed a climb. Despite the fact that we’re in a Seller’s market, prices have not yet resumed upward momentum. However, it is likely that given these conditions, prices will at least level off very soon. If the increasing trend continues, expect that prices could shift higher quickly.

Market Segments

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

Median List Price

Again this week in this zip code we see a downward notch for prices. Pricing has been weak in recent weeks and versus their absolute-high level. At this point, we will be looking for a persistent upward shift in the Market Action Index as a leading indicator for a trough in prices.

Segments

In the quartile market segments, we see most of the market for this zip code showing price weakness lately. Notice however, that Quartile 4 at the low-end of the market is still on an up-trend. Often this condition happens in markets where demand has fallen (for example, due to microlocation variables) but supply is still relatively short. Buyers are focusing on the lowest price homes in the area.

Price Per Square Foot

The market's downward trends are shared across both price and value. People are recently placing less value on homes (you can see the recent declines in price per square foot as evidence.) Look for significant changes in the Market Action Index as a precursor to price and value changes, possibly as inflection points for good investment opportunities.

Inventory has been climbing lately. Note that rising inventory alone does not signal a weakening market. Look to the Market Action Index and Days on Market trends to gauge whether buyer interest is keeping up with available supply.

Market Action Index

In the last few weeks, the Market Action Index has resumed a climb. Despite the fact that we’re in a Seller’s market, prices have not yet resumed upward momentum. However, it is likely that given these conditions, prices will at least level off very soon. If the increasing trend continues, expect that prices could shift higher quickly.

Market Action Segments

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.

Median Days on Market (DOM)

The properties have been on the market for an average of 109 days. Half of the listings have come newly on the market in the past 59 or so days. Watch the 90-day DOM trend for signals of a changing market.

Segments

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

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CONSUMER EXPERIENCE TIMELINE

TRANSACTION CLOSED

GATHER UP

SIGNING SCHEDULED

CLOSE TO SIGNING

TITLE CLEARED

UPDATER INVITATION

TITLE REPORT DELIVERED

TRANSACTION STARTED

MIDPOINT FEEDBACK

EARNEST MONEY

THINGS TO REMEMBER

Covenants, Conditions & Restrictions

Our search found no CC&R’s of record for this property. However, no examination of title has been made and WFG National Title assumes no liability.

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