




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.
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:
This map/plat is being furnished as an aid in locating described land in relation to adjoining streets, natural boundaries and other land, and is not a survey of the land depicted. Except to the extent a policy of title insurance is expressly modified by endorsement, if any, the company does not insure dimensions, distances, location of easements, acreage or other matters shown thereon.
This map/plat is being furnished as an aid in locating described land in relation to adjoining streets, natural boundaries and other land, and is not a survey of the land depicted. Except to the extent a policy of title insurance is expressly modified by endorsement, if any, the company does not insure dimensions, distances, location of easements, acreage or other matters shown thereon.
This map/plat is being furnished as an aid in locating described land in relation to adjoining streets, natural boundaries and other land, and is not a survey of the land depicted. Except to the extent a policy of title insurance is expressly modified by endorsement, if any, the company does not insure dimensions, distances, location of easements, acreage or other matters shown thereon.
This map/plat is being furnished as an aid in locating described land in relation to adjoining streets, natural boundaries and other land, and is not a survey of the land depicted. Except to the extent a policy of title insurance is expressly modified by endorsement, if any, the company does not insure dimensions, distances, location of easements, acreage or other matters shown thereon.
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?
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?
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?
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?
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?
RootCauses
Whatissuesunderliethese challenges?
LimitedParentInvolvementinStudent AcademicAchievement CodingErrors
LimitedProfessionalDevelopment
Listcontinues.Clickbelowtoviewmore.
ClickHeretoViewFullUnifiedImprovementPlan
PerformanceChallenges
Whereistheschoolfocusingits attention?
1.Staffturnoverplacescontinualstresson testingsystems,proceduresandper
Inadequateand/orineffective communicationprocesseswiththe parent/caretak
ClickHeretoViewFullPeformanceFrameworkReport
6,392 POPULATION
$113,597
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.
Clear Creek School District RE-1
77.5% of Homes Owner Occupied
22.5% of Homes Rented
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
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
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.
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.
Below is the website if you would like to change your address online or you can visit your local post office, they will provide you with the change of address packet.
https://moversguide.usps.com
Benefits you will receive when you change your address online are:
Exclusive mover savings coupons
Safe and secure with identity verification by a simple $1.00 charge to your credit or debt card
Email confirmation at the end of registration of your change of address
* Must have valid email address and credit card to register online.
Below is the website if you would like to change your address online or have any questions.
Region 1 and Headquarters
Denver/Central Colorado 2829 W Howard Place Denver, CO 80204 (303) 759-2368
www.codot.gov
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
UTILITIES
Electric
NW Natural Gas
Water District
Sewer District
Garbage Provider
Cable/Satellite
Fuel (Propane)
Phone Services
Internet
Banks and Credit Unions
Credit Card Companies (including department store credit cards)
Lenders
(Mortgage, Home Equity, Auto, Student Loans)
Insurance Companies (Health, Renters, Auto, Home, Medical, Dental, Disability, Life)
Retirement (Pension plans, 401K, Social Security, Veterans Affairs)
Investments (Investment Agencies and Brokers)
Online Bill Payer
Paypal
GOVERNMENT OFFICES
US Post Office
Department of Motor Vehicles
(Obtain your driver’s license and change vehicle registration)
IRS
Passport Office
Veteran Affairs
Unemployment Office
(If you are currently receiving unemployment benefits)
HEALTH
Physician
Pharmacies
SERVICE PROVIDERS
Childcare
Housecleaning Services
Delivery Services
Lawn Care Services
Veterinarian
Pool Service
MEMBERSHIPS
Health Clubs
Membership Clubs (AAA or similar)
Community Groups (PTA, Neighborhood Associations, Civic Clubs)
Children’s Extracurricular Activities (Dance Classes, Music Lesson, Sports Clubs)
SUBSCRIPTIONS
Newspapers
Magazine (USPS will only forward 2 months)
Movie Subscriptions
(Netflix, Blockbuster, etc)
Book or Music Clubs
OTHER
Friends and Family Employers
(typically notify the Human Resources Department)
Inventory Sheets: Create an inventory sheet of all your belongings which need to be moved
Research Moving Options: You ’ll need to decide if yours is a do-it-yourself move or if you’ll be using a moving company.
Request Moving Quote: Solicit moving quotes from as many moving companies and movers as possible. There can be a large difference between rates and services within moving companies.
Discard Unnecessary Items: Moving is a great time for ridding yourself of unnecessary items. Have a yard sale or donate unnecessary items to charity.
Packing Material: Gather moving boxes and packing material for your move.
Contact Insurance Companies : You ’ll need to contact your insurance agent to cancel/transfer your insurance policy.
Start Packing: Begin packing all things destined for your new location.
Obtain Your Medical Records: Contact your doctor, physician, dentist and other medical specialists who may currently be retaining any of your family ’s medical records. Obtain these records or make plans for them to be delivered to your new medical facilities if changing. Security is critical of personal records.
Note Food Inventory Levels: Check your cupboards, refrigerator and freezer. Use up as much of your perishable food as possible.
Small Engines: Service small engines for your move by extracting gas and oil from the machines. This will reduce that chance to catch fire during your move.
Protect Jewelry and Valuables: Transfer your jewelry and valuables to a safety deposit box; you don’t want them to be lost or stolen during your move.
Borrowed and Rented Items: Return items which you may have borrowed or rented. Collect items borrowed to others.
Your Change of Address: Change your address with the USPS, DMV, Financial Institutions, Utilities, Government Offices, Health Care Service Providers, Memberships, Subscriptions and Insurance Provisions.
Bank Accounts: Transfer or close bank accounts if changing banks. Make sure to have a money order for paying the moving company.
Service Automobiles: If automobiles are to be driven long distance, you’ll want to have them serviced so you have a trouble-free drive.
Cancel Services: Notify any remaining service providers (newspapers, lawn services, etc.) of your move.
Travel Items: Set aside all items you ’ll need while traveling. Make sure these are not packed on the moving truck..
Contact Utility Companies: Set utility turnoff date, seek refunds and deposits and notify them of your new address.
Plan Your Itinerary: Make plans to spend the entire day at the house or at least until the movers are on their way. Someone will need to be around to make decisions. Make plans for kids and pets to be at a sitters for the day.
Review the House: Once the house is empty, check the entire house (closets, attic, basement, etc.) to ensure no items are left or no home issues exist.
Double Check With Your Mover: Ensure the mover has the new property address and all of your most recent contact information, should they have any questions during your move.
Vacate Your Home: Make sure utilities are off , doors and windows are locked and notify your real estate agent you ’ve vacated the property.
Questions To Ask: Where is the garage door opener? Where are the keys to the house, mailbox and other lockable area? Did you retrieve all keys from neighbors and friends?
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
Clear Creek Courant (303) 567-4491 clearcreekcourant.com
The Canyon Courier (303) 674-5534 canyoncourier.com
Idaho Springs (303) 567-4291
Georgetown (303) 569-2555
Empire (303) 569-2978
Silver Plume (303) 569-2363
Clear Creek School District (303) 567-3850 www.ccsdre1.org/
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
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
& 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/
Arapaho National Forest
Roosevelt National Forests
Clear Creek History Park
Georgetown Loop Railroad
Loveland Ski Area
Winter Park Resort
Echo Lake
Clear Creek River
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:
In the escrow paperwork provided you will be asked to provide written instructions on how you want funds dispersed at the close of escrow. If you choose to have the funds sent via wire transfer, WFG will contact you by phone to con rm the wire information provided.
For funds that are to be wired to WFG for your transaction, we will send speci c wire instructions to the remitting person via an encrypted email. We recommend you reach out to your WFG contact to con rm the wire instructions prior to remittance.
We look forward to processing your escrow transaction for you. We know that this can be a stressful time and we are here to assist you in any way we can to make this a good experience.
http://national.wfgnationaltitle.com/2016/04/05/obsess-cyber-security/
Every day, hackers try to steal your money by emailing fake wire instructions. Criminals will use a similar email address and steal a logo and other info to make it look like the email came from your real estate agent or title company. You can protect yourself and your money by following the steps below.
Don’t send sensitive nancial information via email.
Call, don’t email. Con rm your wiring instructions by phone using a known number before transferring funds.
We will never email wiring instructions to you nor change WFG account information after it’s been provided to you by our sta .
Keep your email account clean, remove any stale messages. Hackers can watch your business patterns and use this information against you.
Ask your bank to con rm the name on the account before sending a wire.
Call your title company or real estate agent within four to eight hours to con rm they have received your money.
This is for informational purposes only and should not be considered legal advice.
The purchase of a home is likely going to be one of the most expensive and important purchases you will ever make. You and your mortgage lender want to make sure the property is indeed yours and that no individual or government entity has any right, lien, claim, or encumbrance to your property.
The title insurance company’s function is to make sure your rights and interests to the property are clear, that transfer of title takes place e ciently, and correctly, and your interests as a homebuyer are protected. Title insurance companies provide services to buyers, sellers, real estate developers and builders, mortgage lenders, and others who have an interest in the real estate transfer. Title companies issue two types of policies - “Owners Policy” (which covers the homebuyer) and “Lenders Policy” (which covers the bank, savings and loan, or other lending institution over the life of a loan). Both are issued at the time of purchase for a one-time premium.
The title company conducts an extensive search of public records to determine if anyone other than you has an interest in the property before issuing a policy. The search may be performed by title company personnel using either public records, or more likely, information gathered, reorganized, and indexed in the company’s title “plant”. With such a thorough examination of records, title problems can usually be found and cleared up prior to purchase of the property. Once a title policy is issued, if for some reason any claim, which is covered under your title policy, is ever led against your property, the title company will pay the legal fees involved in defense of your rights as well as any covered loss arising from a valid claim. That protection, which is in e ect as long as you or your heirs own the property, is yours for a one-time premium paid at the time of purchase.
The title company works to eliminate risks before they develop. This makes title insurance di erent from other types of insurance. Most forms of insurance assume risks by providing nancial protection through a pooling of risks or losses arising from unforeseen events, like re, theft, or accident. The purpose of title insurance, on the other hand, is to eliminate risks and prevent losses caused by defects in title that happened in the past. Risks are examined and mitigated before property changes hands. Eliminating risk has bene ts to both of you, the home buyer, as well as the title company. It reduces the chance adverse claims might be raised, and by doing so reduces the number of claims that have to be defended or satis ed. This keeps costs down for the title company and your title premiums low. With title insurance you are assured that any valid claim against your property will be taken on by the title company, and that the odds of a claim being led is slim.
When your o er has been accepted and conveyed, escrow is opened. An escrow is an arrangement made under contract between a buyer and seller. As the neutral third party, escrow is responsible for receiving and disbursing money and/ or documents. Both the buyer and seller expect the escrow agent to carry out their written instructions associated with the transaction and also to advise them if any of their instructions are not being met, or cannot be met. If the instructions from all parties to an escrow are clearly set out, the escrow o cer can proceed on behalf of the buyer and seller without further consultation.
The Seller/Agent
• Delivers Purchase Sale Agreement to the escrow agent
• Prepares the paperwork necessary to close the transaction
• Approves the commitment for title insurance, or other items as called for by the Purchase Sale Agreement
The Buyer/Agent
• Deposits funds required to close with the escrow agent
• Executes the paperwork and loan documents necessary to close the transaction
The Lender
• Deposits loan documents to be provided by the buyer
• Deposits the loan funds
• Informs the escrow agent of the conditions under which the loan funds may be used
• Clears Title
• Obtains title insurance
• Obtains payo s and release documents for underlying loans on the property
• Receives funds from the buyer and/or lender
• Prepares vesting document a davit on seller’s behalf
• Prorates insurance, taxes, rents, etc.
• Prepares a nal statement (often referred to as the Closing Disclosure or CD) for each party, indicating amounts paid in conjunction with the closing of your transaction
• Forwards deed to the county for recording
• Once the proper documents have been recorded, the escrow agent will distribute funds to the proper parties
Escrow is the process that gathers and processes many of the components of a real estate transaction. The escrow agent is a neutral third party acting on behalf of the buyer and seller.
Title insurance insures against nancial loss from defects in title, liens, or other matters. It protects both purchasers and lenders against loss by the issuance of a title insurance policy. Usually, during a purchase transaction the lender requests a policy (commonly referred to as the Lender’s Policy) while the buyers receive their own policy (commonly referred to as an Owner’s Policy).
It will protect against lawsuits if the status of the title to a parcel or real property is other than as represented, and if the insured (either the owner or lender) su ers a loss as a result of a title defect. The insurer will reimburse the insured for that loss and any related legal expenses.
While the purpose of most other types of insurance is to assume risk through the pooling of monies for losses happening because of unforeseen future events (like sickness or accidents), the primary purpose of title insurance is to eliminate risks and prevent losses caused by defects in title arising out of events that have happened in the past. To achieve this, title insurers perform a thorough search and examination of the public records to determine whether there are any adverse claims (title defects) attached to the subject property. These defects/claims are either eliminated prior to the issuance of a title policy or their existence is excepted from coverage. The policy is issued after the closing of your new home, for a one time nominal fee, and is good for as long as you own the property.
A title search is made up of three separate searches:
• Chain of Title – History of the ownership of the subject property
• Lien & Encumbrance Search – Discloses liens and encumbrances on the subject property
• Exceptions from Coverage Search –Includes Easements, Covenants, Conditions and Restrictions, etc.
After the three searches have been completed, the le is reviewed by an examiner who determines:
• If the Chain of Title shows that the party selling the property has the rights to do so.
• Whether there are any unsatis ed judgments on the Judgment and Name Search against the previous owners, sellers, or/and purchasers.
Rights established by judgment decrees, unpaid federal income taxes, and mechanics liens all may be prior claims on the property, ahead of the buyer’s or lender’s rights. The title search will only uncover issues in title that are of public record and therefore allowing the title company to work with the seller to clear up these issues and provide the new buyer with title insurance.
Once the searches have been examined, the title company will issue a commitment, stating the conditions under which it will insure title. The buyer, seller, and the mortgage lender will proceed with the closing of the transaction after clearing up any defects in the title that have been uncovered by the search and examination.
The examples below are typical. However, the real estate purchase agreement will ultimately determine who is paying for what expenses.
• Real Estate Commission
• Document preparation fee for Deed
• Payo of all loans in the seller’s name (or existing loan balance if being assumed by Buyer)
• Interest accrued to lender being paid o
• Statement Fees, Reconveyance Fees, and any prepayment penalties to Payo Lender
• Home Warranty (according to contract)
• Any judgments, tax liens, etc. against the seller
• Tax proration (for any taxes unpaid at time of transfer of title)
• Any unpaid Homeowners’ Association dues
• Recording charges to clear documents of record against seller
• Any bonds or assessments (according to contract)
• Any and all delinquent taxes
• Notary Fees
• Title Insurance Premium for Lender’s Policy
• Escrow Fee (one half)
• Document preparation (if applicable)
• Notary fees
• Recording charges for all documents in Buyers’ names
• Tax proration (from date of acquisition)
• Homeowners’ Association transfer fee
• HOA proration (from date of acquisition)
• All new loan charges (except those required by lender for seller to pay
• Interest on new loan from date of funding to 30 days prior to rst payment date
• Assumption/Change of Record fees for takeover of existing loan (if applicable)
• Bene ciary Statement Fee for assumption of existing loan (if applicable)
• Inspection Fees (roo ng, property inspection, geological)
• Home Warranty (according to contract)
• Fire Insurance Premium for rst year
• Any bonds or assessments (according to contract)
The distinction between personal property and real property can be the source of di culties in a real estate transaction. A purchase contract is normally written to include all real property; that is, all aspects of the property that are fastened down or which are an integral part of the structure. For example, this would include light xtures, drapery rods, attached mirrors, and trees and shrubs in the ground. It would not include potted plants, free-standing refrigerators, washer/dryer, microwave, bookcases, lamps, etc. If there is any uncertainty whether an item is included in the sale or not, it is best to be sure that the particular item is mentioned in the purchase agreement as being included or excluded.
DISCLAIMER:
This information is provided for informational purposes only and no warranties are made.
Ownership of property vested in one person rather than held jointly with another.
Parties need not be married; may be more than two persons.
Parties need not be married; may be more than two persons.
Also called sole tenancy.
The sole owner may use, encumber, rent, sell, and convey at their discretion.
The owner may transfer the property via a Will, Trust, or a Bene ciary Deed upon their death.
Each joint tenant holds an equal and undivided interest in the estate, unity of interest.
Upon death, the estate of the decedent must be “cleared” through probate or adjudication.
One joint tenant can partition the property by selling his or her joint interest.
Each joint tenant holds an undivided fractional interest in the estate. May be disproportionate interest e.g. 20% and 80%; 40% and 60%; etc.
Each tenant’s share can be conveyed, mortgaged, or devised to a third party.
Requires signatures of all joint tenants to convey or encumber the whole.
Requires signatures of all to convey or encumber the whole.
Estate passes to surviving joint tenants outside of probate.
No court action required to “clear” title upon the death of joint tenant(s).
Upon death, the tenant’s proportionate share passes to his or her heirs by will or intestacy.
Upon death, the estate of the decedent must be “cleared” through probate or adjudication.
DISCLAIMER – The foregoing contains informational examples only and is not to be construed as legal advice. Given the complexities involved in acquiring and holding legal title to real property, WFG strongly recommends that you seek legal advice from an attorney prior to doing so.
55 Madison Street, Suite 690
Denver, CO 80206 (720) 475-8325
NORTH
12050 N Pescos Street, Suite 110 Westminster, CO 80234 (720) 475-8350
8610 Explorer Drive, Suite 105
Colorado Springs, CO 80920 (719) 598-5355
7800 E Union Avenue, Suite 310 Denver, CO 80237 (720) 475-8300
WFG’s My Home
CC&R’s (if applicable)
The information contained is provided by WFG’s Customer Service Department to our customers, and while deemed reliable, is not guaranteed.
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.
This answers “How’s the Market?” by comparing rate of sales versus inventory.
Seller's Advantage
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.
Each segment below represents approximately 25% of the market ordered by 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.
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.
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.
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.
Three of the four quartiles of this zip code are in the Seller’s Market zone with relatively low amounts of inventory given the current levels of demand. It’s not uncommon that the premium segment of the market takes longer to sell than the rest of the group.
The properties have been on the market for an average of 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.
It is not uncommon for the higher priced homes in an area to take longer to sell than those in the lower quartiles.
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TRANSACTION CLOSED
GATHER UP
SIGNING SCHEDULED
CLOSE TO SIGNING
TITLE CLEARED
UPDATER INVITATION
TITLE REPORT DELIVERED
TRANSACTION STARTED
MIDPOINT FEEDBACK
EARNEST MONEY
Our search found no CC&R’s of record for this property. However, no examination of title has been made and WFG National Title assumes no liability.