At Home Colorado

What Don’t You Know About the Real Estate Market?

COLORADO

ATHOMECOLORADO.COM

COLORADO HOME & REAL ESTATE

CONTRIBUTING WRITERS

Gabe Bodner

Duane Duggan

Christian Garcia

Bill Myers

Paul F. P. Pogue

Rob Proctor

Gary M. Singer

ADVERTISING CONSULTANTS

Thais Hafer

Toni McNeill

REAL ESTATE ADVERTISING DIRECTOR

Mary Romano

MANAGING EDITORS

Greg Stone

Misty Kaiser

Submit your news or home-related events to gstone@dailycamera.com

To advertise, call 303.473.1456.

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©2023 Prairie Mountain Media.

By Gary M. Singer South Florida Sun Sentinel (TNS)

Q: I read with interest your recent article about the condodweller damaged by his neighbor’s leaky toilet. In that situation, the damage was minor. We had a situation where our upstairs neighbor had a major flood that severely damaged our apartment. Should we address this differently?

—Janet

A: Yes, addressing a small leak that causes minor damage can be different from dealing with more significant damage.

However, some parts of dealing with the problem remain the same.

When dealing with an issue such as this or any legal issue, ensure the damage is well documented. Write down what happened while it is still fresh in your mind. Take a lot of pictures. When helping

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people in my law practice, I want as much information as possible, and you never know which picture or data point will help me win your case. Keep taking detailed notes throughout the process, including who you speak with and when. Then discuss the problem with your neighbor and report it to your community association manager.

Your next step is to make a claim with your insurance company. While most condominium associations carry insurance, it usually only covers the building and common areas. Unit owners must get coverage for their units and their contents.

While many people forego this coverage to save money, I strongly recommend that every condo unit owner get an individual insurance policy. This insurance should cover the damage to your ceiling, walls, and floor, as well as your cabinets,

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As part of this process, your insurer will want you to be “subrogated” for the claims, meaning they will try to collect the money they paid you for the damage from your neighbor who caused the problem.

You may not be able to go after your neighbor for any damage the insurance did not pay you for, so speak with your insurance company about this if you think you may want to go this route.

Gary M. Singer is an attorney and board-certified as an expert in real estate law. He practices real estate, business litigation and contract law. He frequently consults on general real estate matters and trends with various companies across the nation. Send him questions online at sunsentinel.com/askpro or follow him on Twitter @GarySingerLaw.

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Which factors are important in your home search?

As you start your search, you may have a loose idea you want, and it can be tempting to type “Windsor, Colorado homes for sale” into Google to see what’s available, but there are a few more factors to consider first. Choosing the first town you’ve heard of may be easy, but it might not lead to your dream home. Instead, researching and crafting an image of your perfect house can do wonders for your search and communicating your needs to a professional agent, like realtor Christian Garcia. What factors are most important to ensure your home search goes smoothly and provides the best results?

Location

CHRISTIAN GARCIA

Location is one of the most important factors to keep in mind when looking for a home. You want to be in a city or town you enjoy. Maybe you prefer living a quiet life in the country, with space between neighbors, or you want an urban environment with energy and excitement. You don’t want to live far from work, friends, or activities. You want to purchase in a safe area. Before you search, find out what locations suit your desired lifestyle. Look at local amenities, distance to your work, and the neighborhoods you can buy in. It’s even beneficial to look at the past

sales prices of other homes in your chosen area to see the potential resale of your house. You should also consider the local economy –is it strong, thriving, growing, or based on a dying industry? You may decide it’s better to move slightly farther away to an area that’s doing better rather than face the potential risks of the town falling into disrepair.

Floor plan

A single person living alone likely doesn’t need a seven-bedroom mansion, and you certainly don’t want to maintain it. Likewise, a large family with five kids won’t be happy in a two-bedroom condo. When looking at houses, cull out the ones that fit your needs, rather than purchasing a place too big or small to suit you.

Also, take a careful look at how the rooms are arranged. Does the laundry room on the top floor of

the house require you to climb the stairs with piles of linen? Is the bathroom located in an ideal spot? Some homes have odd layouts with rooms too small or uniquely-shapen to be helpful or areas far from other related spaces. You may also find that you aren’t a fan of an open layout and want more division between rooms, or, conversely, you find a house a little suffocating when everything is completely closed off. Make sure the home you buy has space that is usable by you.

Condition

It can be tempting to save money and purchase a fixer-upper, but make sure you know what you’re getting into. It’s one thing to patch a few holes in the walls and repaint, and an entirely different situation to repair a faulty foundation. Issues can be revealed during the inspection, but rather than get your hopes up as you fall in love with a

property, keep an eye out for signs of significant issues.

Look for leaks, cracks in the foundation, sagging or bubbling drywall, or faulty electricity – doing so can save you time, effort, and money. Brand-new construction isn’t a guarantee either, especially if you weren’t involved in vetting and choosing the builder. Make sure everything was correctly done without cutting corners, and look for issues people might not know about until living in the home, like drainage issues in the yard, dirty air ducts, or incomplete caulking around the windows. They may seem minor but indicate that other parts of the build were also done incorrectly.

Outdoor space

It’s also important to look at the available outdoor space. If you have kids or pets, you’ll want a backyard for them to play safely. If you love gardening, you may want an area with the correct amount of sun to grow produce or flowers. If you’re a social butterfly, you may want a large deck to entertain and enjoy the beautiful Colorado summers. While you don’t necessarily need the outdoor space finished to your specifications, you want to know that you have the option to customize it to suit your interests and lifestyle.

Price

Before searching for a home to purchase, you should sit down with your bank and determine your

CONTINUED - See Page16

Top ten ways to scare away buyers

Okay, so you think you’ve done all you can to prepare your home for what will hopefully be a non-stop parade of potential buyers through the door. Check to make sure you aren’t guilty of one of the following “seller’s sins.”

Not taking care of odors

Have you ever walked into someone’s home and instantly been assaulted by odors? Cigarette smoke and pets are the main sources of bad smells in the home. Mold and mildew follow close behind.

If you smoke indoors you need to stop while the house is on the market. It’s a hassle, but find a place outside for smoking and do everything you can to eradicate smelly odors in your home.

Check

Critters

Speaking of pets, what will you do with yours during home tours?

Some people are frightened of dogs, others allergic. This might be a great time to crate train your dog as it’s the safest and best place for it during home showings.

Disgusting bathrooms

Maybe you can live with the grime but it’s a definite turn-off to a would-be buyer. Bathrooms, like kitchens, should be spotless. Scrub the tub and shower enclosure until they shine. New shower curtains, towels and coordinating accessories are a nice touch.

Dark rooms

Dark rooms make a buyer wonder what you’re trying to hide. Open the blinds turn on the lights and brighten up every room in the house. If you need more light it’s worth it to purchase an inexpensive lamp or two. Hang mirrors on the wall to catch reflected light.

Outdated wallpaper

Wallpaper should always be stripped away and removed prior to showing a home. Even people who love wallpaper will want choose their own. It’s best to get rid of it and paint the wall a neutral color.

Dank, dark basements

If your basement smells like mold

and mildew potential buyers may just turn and run. The first thing that will most likely come to mind is expensive leak repairs. Fix the problem before it becomes a deal breaker.

Creepy crawlies

If you have a pest problem find a way to remedy it.

A lack of curb appeal

If the house doesn’t appeal to a potential buyer from the street, he may not bother even getting out of the car to view the interior. Capturing a buyer’s immediate attention is vital when showing your home.

Do everything within your budget to clean the yard, plant new shrubs and flowers, paint the front door, etc. “Inviting” is the operative concept here.

Cluttered garages or carports

For a lot of people, the garage is nothing more than a catch-all for storage items. If you are among those folks, it’s important to clean out and de-clutter.

The presence of the seller at showings

Buyers feel intimidated when the seller is present at showings. Lock away your valuables and prescription drugs and go have some fun while potential buyers tour the home and speak freely with their agent. Give them space to open closets and cupboards without being under your watchful eye. Even if you have to go for a drive to get out of the house, it’s much better than hanging around.

Don’t let your home scare away potential buyers. Correcting the above issues are easy and inexpensive and will do nothing but help you to market the home in the most effective way possible.

Rob Proctor is the Broker/Owner of At Home Real Estate Company in Loveland. Born and raised in Loveland, Rob calls Northern Colorado (Loveland, Fort Collins, Greeley and Windsor) his home with his wife and three daughters. To contact Rob, call 970.481.2133, e-mail rob@athomerealestateco.com or visit athomerealestateco.com.

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Going light and bright for summer

By Cathy Hobbs Tribune News Service (TNS)

The summer is typically the time of year when we dress in lighter/ brighter clothing to keep cool ‚Äî so it’s also a good time to use softer, lighter colors within the home. In many situations, lighter colors give a space a crisp, fresh and clean feeling. Light colors can also make smaller rooms feel larger.

Where to start

When decorating or deciding what colors to bring into any space, I suggest you begin by evaluating a space from the doorway to get a full perspective of the space.

From there, decide what will be the largest pieces in the room and begin with those. For example, select the color and material for your sofa before selecting your coffee table, or select your bed before selecting your nightstands.

Why neutral?

In general, choosing light or lighter

colors for your upholstery pieces are the way to go. Light colors blend well with other colors, and they can be used as a canvas from which a color palette can be created or built.

Neutral colors are also timeless as opposed to trendy. You will likely get more use (and for longer) from your neutral selections.

Light, bright and perfect for summer

When people think of light colors, they might think mainly of white and taupe. But you can perk up your decor with a host of other colors this summer. Some great options include:

• Light gray

• Muted gold

• Taupe

• Soft blue

• Light pink

Accessories

When looking to bring accessories such as pillows and artwork into a space, don’t be afraid to go light and bright as well. A light painting hung on a wall can really add a lot of light to a room, for example.

Cathy Hobbs is an Emmy Award-winning television host and a nationally known interior design home staging expert and short-term rental/vacation home designer. Contact her at info@ cathyhobbs.com or visit her website at cathyhobbs.com.

Lighter colors

Do we have a looming housing crisis?

It is virtually impossible to read the headlines these days and not read or hear something about the housing market. Whether the media is talking about interest rates or house prices going up or down, or housing affordability or inventory of homes, affordable housing concerns, etc. You do not need to look very far to find something that points to the fact that we have a looming housing crisis on our hands in this country.

BODNER

So, let’s break some of these issues down and get a better understanding of the challenges and what we can expect going forward:

Interest rates

First and foremost, mortgage rates have an indirect (not a direct) correlation to the Fed Funds rate. Which means, when the Federal Reserve increases (or decreases) interest rates, that does not have a direct impact on mortgage rates. Mortgages rates are more closely correlated to US Treasuries which traditionally are impacted by other economic factors like GDP, the job market, unemployment stats, new construction, etc. Big picture, when there is inflation, rates go up and when there is a recession, rates go down. We have seen interest rates rising for the last 12 months and every time it seems there is an end in sight, rates go up more. However, I firmly believe what goes up must come down and interest rates are no exception.

House prices

You can do a search on the internet and virtually find an article that supports any opinion that you might have. If you believe home prices are going

up, you can certainly find an article to support that opinion. However, I would say there are more articles today that support the opinion that home prices are dropping. In fact, many would argue that we have seen home prices drop since last April 2022 which the industry is calling the peak of the housing market. However, let’s confirm what drives home values up or down. Most importantly, it is supply and demand. Overall, we have a very limited supply of housing here locally and not enough new homes are being built annually to support the demand. We also have a great job market and economy here locally which also supports strong home prices. Therefore, in my opinion, we might be in the middle of a correction in home values because home prices were completely off the charts due to COVID, people working remotely and low interest rates, but I firmly believe that home values will stabilize and start to go back up very soon. In fact, that has already started to occur in many neighborhoods across the front range.

Housing affordability

Well, this gets back to a few fundamentals that we discussed already, interest rates and home prices. As interest rates have gone up, the cost to borrow money has gone up and therefore has decreased most homebuyers’ overall affordability. Let’s take an example using a $500K

mortgage. At 3%, the principal and interest payment is roughly $2108 per month. However, at 6.5%, that same $500K mortgage now costs someone $3160 per month. That is an extra $1,052 per month. The impact that this has on many buyers is a reduction in their overall affordability by over $150K in their purchase price. So, if someone was able to afford a $750K home, the increase in rates has decreased their affordability to around $600K. Do you think also explains why home prices have dropped possibly? So, once we see rates drop, affordability will improve, and prices will start to skyrocket again.

Housing inventory

This is probably the largest reason why I do not believe we will see a drop in home values, regardless of rising rates. Simply put, we have a shortage of homes given the demand and there is not enough affordable land for builders to build new homes and be able to make a profit. Therefore, we are not building enough new homes to support the ongoing demand for homes. This is a problem across all price points from first time buyers to move up buyers to affordable housing and homes for older homeowners to age in place.

Lastly, our property taxes are going to go up substantially since we just saw assessed values increase by 39% on average in CO. With all this being said,

there is over $11 Trillion of senior home equity in the US, which is almost $4 Trillion more than all of the 401K money in our country combined. What this means is that housing wealth is generally the largest asset that most seniors in the US have today and yet it is trapped in people’s homes. So how can you access the trapped equity in your home? The simple solution is to just sell your home. However, this is not so simple because you still need a place to live, and we just talked about the fact that there is not enough inventory of homes for people to buy. Plus, there are some potential capital gains taxes you must consider if you have owned your home for a while. So, the next best option is to get a mortgage to access some of the equity in your home. This can be a great option for many people because the money that you take out of your home is considered a loan and therefore you do not have to pay income taxes on that money (this is not tax advice, consult a tax advisor). However, taking a mortgage then requires you to make monthly payments which can be counterproductive, especially in retirement when you are living on a fixed income, and you are looking to increase cash flow and reduce expenses. This is where the Home Equity Conversion Mortgage is a fantastic option because it provides you with all of the benefits but does not require you to make a monthly mortgage payment as long as you live in the home, pay your property taxes and home insurance.

Gabe Bodner is a retirement mortgage planner and licensed mortgage originator in Colorado. Gabe utilizes the latest research from the top researchers to assist his clients to live for today and plan for tomorrow. To reach Gabe, call 720.600.4870, e-mail gabe@bodnerteam.com or visit reversemortgagesco.com.

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Navigating the Real Estate Market: The Best Time to Sell Your Colorado Home" (Does the thought of it make you a little fearful- or excited?

REAL ESTATE Navigating the real estate market: The best time to sell your home

3. How can we leverage open houses, new listings, or multiple services for better reach?

4. How do we decide the listing price to attract interested buyers and get the most money?

5. How does the commission fee structure work?

BILL MYERS

In-home sales, real estate market knowledge, and potential buyers’ behavior can significantly impact outcomes. Understanding the local market in Colorado is crucial in pinpointing the “right time” to sell your current home. Here’s a comprehensive guide to ease your process.

Understanding market dynamics

Grasping the concept of a seller’s market and a buyer’s market is pivotal. In a seller’s market, home sellers often command higher home prices as demand outpaces supply. Conversely, a buyer’s market often sees lower asking prices as buyers gain negotiating power. Market conditions and mortgage rates significantly influence these dynamics.

When to sell a home in colorado?

Identifying the best time of year to sell your home in Colorado can be tricky as it can vary. However, National Association of Realtors data suggests a surge in potential buyers around the week of April. Moreover, longer days and warmer weather during late spring and early summer encourage more open houses and home buyers. Keeping tabs on recent years’ data and trends with a local real estate agent’s help is always beneficial.

Seasonal advantages

Different seasons offer unique benefits. Despite the colder weather, winter months can be an excellent time for home sales due to less competition. The summer months can bring higher prices but also coincide with a peak season flush with new listings and increased competition. Understanding these seasonal trends is vital.

Home condition and improvements

A well-maintained home in good condition can fetch a higher sale price. Consider making necessary repairs and enhancements like a

Furthermore, a home inspection can be invaluable, helping you understand your home’s exact condition to avoid surprises during the sale process.

Introduction

comparative market analysis. All these factors are vital to securing the best sale price for your property.

In-home sales, real estate market knowledge, and potential buyers' behavior can significantly impact outcomes. Understanding the local market in Colorado is crucial in pinpointing the "right time" to sell your current home. Here's a comprehensive guide to ease your process.

Role of real estate professionals

Planning and preparing for a meeting with your real estate agent

Remember, the goal of meeting your agent is to gather information and create a strategic plan to sell your home. A good agent will guide you through the entire process, help you navigate any hurdles, and ensure you spend the least time on the market while still fetching an excellent sale price for your home. So don’t hesitate to ask questions and seek their expert advice.

Understanding

Market Value

Understanding Market Dynamics

A seasoned local real estate agent can help navigate the housing market’s intricacies, suggest an excellent list price, and ensure a smooth sale process. They are crucial in marketing your home, hosting open houses, and liaising with buyer’s agents. While they charge commission fees, the value they add by ensuring you get top dollar for your home is often worth it.

Selecting the right real estate agent

Choosing the right agent can make a world of difference in home sales. You need a good agent who understands the local real estate market and housing market dynamics, especially if you are selling your current home for the first time. Look for an agent with several years of experience who has successfully navigated both seller’s and buyer’s markets. An experienced realtor can be your trusted advisor, leveraging their knowledge to identify the right time and the best times of year for selling, ensuring you get top dollar for your property.

The National Association of Realtors can be a valuable resource in your search for a local real estate agent. When selecting an agent, consider their knowledge of local seasonal trends, the number of buyers they have worked with, their

Before you meet with your real estate agent, gathering all relevant information about your property is a good idea. This could include any necessary repairs, recent home improvements, your home’s value, and your home’s current condition.

Grasping the concept of a seller's market and a buyer's market is pivotal. In a seller's market, home sellers often command higher home prices as demand outpaces supply. Conversely, a buyer's market often sees lower asking prices as buyers gain negotiating power. Market conditions and mortgage rates significantly influence these dynamics.

Here’s what you need to provide your agent:

1. Information about any outstanding mortgage payments or loans on the property.

2. Documents related to your home include the deed, property tax information, and recent significant repairs or renovations.

3. An honest evaluation of your home’s condition. If necessary, consider getting a home inspection done.

4. Your ideal time frame for selling the property.

Additionally, it’s essential to prepare a set of questions to ask your agent. Here are a few to consider:

1. How does the local market look right now? Is it a good time to sell?

2. What is the best way to market my home to potential buyers?

Tools like a comparative market analysis can help you understand how much money you can expect from your home sale. Setting the right asking price is vital - too high might scare off buyers, while too low could mean you’re short-changing yourself.

Deciding the best time to sell your home involves considering a range of factors. While some elements like mortgage rates, buyer demand, and home values are beyond your control, others like home improvements, choosing a skilled agent, and timing your sale based on local market trends are within your control. Remember, there’s no “one-size-fits-all” approach. Make decisions that best fit your circumstances and financial goals. Here’s to a successful home sale!

Naturally kind and friendly, Bill loves interacting with people from all walks of life. With a fishing rod in his hand and a whistle, he enjoys walking local streams, biking with his wife Natalie and singing songs of childhood. Eager to share his nearly 45 years of experience and knowledge of real estate he is deeply versed in home, commercial & land. Contact Bill at C3 Real Estate Solutions at 970.599.0011, e-mail bill@billmyersrealtor.com or visit billmyersrealtor.com

What Don’t You Know About the Real Estate Market?

BY RE/MAX of Boulder for At Home Colorado

Over the last decade, buying and selling Boulder County real estate has been rocketed with upside for homeowners – sharply increasing real estate values, unsatiated demand and the lowest interest rates in history, according to Mortgage Professional America (MPA). en came the latter half of 2022 and the tide turned – rising interest rates put the unstoppable real estate market into slow motion. Yet many still need to buy and sell homes. Here’s a look at what you don’t know – but need to understand – to navigate today’s market successfully.

Real estate is personal for every homeowner or aspiring homeowner, providing a sense of control over two of our most basic needs – shelter and the security that comes with accumulating long-term wealth.

Case in point: Middle-income homeowners nationwide accumulated $122,100 in wealth through 68% home appreciation over the last ten years, according to the Wealth Gains by Income and Racial/Ethnic Group report by the National Association of Realtors (NAR). Locally, Boulder ranks third-best for growth and stability, with home prices increasing 256% between 1998 and 2022, according to SmartAsset’s 2023 report on Best Housing Markets for Growth and Stability.

Fueled partly by the pandemic and a strong economy, recent years delivered sharp gains in real estate prices and a relentless seller’s market.

“ e economic expansion over the last ten years was so powerful it brought unprecedented gains to home price appreciation. It was a real estate party like we had not seen before,” says Todd Gullette, managing broker of RE/MAX of Boulder. Sellers ruled as options were scarce and competition was high. Due to COVID-19, favorable tax relief, government stimulus, increased savings and rising

wages, the real estate bonanza looked like it would continue inde nitely.

But then came 2022. Housing took an unexpected turn as the Federal Reserve began raising interest rates to stave o in ation. Over the fall season, periodic increases continued. As a result, mortgage rates rose, which meant higher monthly payments for those purchasing homes. Buying power was greatly a ected; housing became una ordable for many, and demand fell.

e roaring real estate market “took a nap” in Fall 2022, according to Gullette. “Now, the market is slowly moving forward. In Q1 2022, Boulder County single-family home inventory was at a record low 307, and 72% of available homes were under contract. One year later, in Q1 2023, the number of homes available for sale rose to 441, while the percentage of homes under contract slid to 40%. Showings fell below the 5-year average.”

Across Boulder County, median existing singlefamily home prices from January-March 2023

compared with January-March 2022 rose 5.2% to $1,219,687 from $1,159,510 the previous year. Average time-on-market rocketed more than 84%, jumping to 72 days in March 2023 compared to 39 days a year earlier, according to IRES data.

Buying a home has always been the biggest nancial decision most people make. As we enter the homebuying season in a uctuating market, how can a homebuyer, seller, or investor face these signi cant nancial decisions?

“As Realtors, we take market analysis seriously, combining all our agents’ knowledge. Each week we dissect the percentage of homes under contract and the percentage of homes new to the market that are under contract. We discuss how many showings occurred over the weekend and what price points are hot,” says Jay Kalinski, Co-Owner of RE/MAX of Boulder and Broker/Owner of sister o ce, RE/MAX Elevate.

“I can honestly say that in a market as dynamic as this one, there just isn’t a source for information better than your local real estate agent,” added RE/MAX of Boulder’s Broker/ Owner Tom Kalinski, noting that your local agent knows the housing market and neighborhoods inside and out. ey are tracking the real-time impact on the housing market of higher interest rates, in ation, taxes, insurance and fears of recession.

Like many industries, Realtors have bene tted from technology over the years. Today’s real estate agents leverage videos, virtual tours, Matterport 3D tours, home staging apps and screen sharing – all tools that enable prospective buyers to see and experience a property without ever leaving their home. From eSignature, electronic lockboxes, and local MLS apps to social media tools and state-ofthe-art platforms to add e ciency and speed to marketing, transactions, lead generation, and more, Realtors utilize technology to stay ahead of market shifts and know about new listings and interested buyers quickly.

But for homeowners and sellers, technology cannot replace a real estate agent’s due diligence and deep local knowledge of up-to-the-minute insights into the local real estate climate.

“When it comes to buying and selling homes, one of the main areas unknown to our clients is

the extensive preparation and knowledge of the correct documents,” says Jay Kalinski. He points to over 80 forms and nearly 30 disclosures, addenda and hundreds of potential documents involved in real estate transactions. “Not all are used on each transaction, but an expert Realtor needs to help determine which form to use and how to avoid liability for the buyer and seller,” he explains.

en there’s the mastery of the art and craft of real estate. “Agents live in the same areas as their clients, and they feel the same dynamics.

e mastery comes from cultivating real estate knowledge, resources and relationships over the many years of their career,” says Kalinski.

Real estate has always been built on relationships. “In the increasingly challenging 2023 environment, personal relationships have grown in importance, “ notes Kalinski. To make transactions go smoothly and more quickly, a Realtor needs extensive relationships – beginning with their network of clients and friends, and extending to contractors, plumbers, electricians, stagers, title companies, mortgage lenders, CPAs, attorneys, and even Realtors out-of-state or internationally.

e impact of this relationship network shows dramatically. Nationally, the typical home for sale by owner sold for $225,000, which is $100,000 less than the $330,000 selling price for home sales represented by real estate agents, according to NAR.

During these dynamic times, home sellers and buyers can choose agents who are Realtors, members of NAR with a license that shows they subscribe to a strict code of ethics and maintain a higher

level of knowledge. Realtors may have additional credentials such as Certi ed Relocation Professional (CRP), Seniors Real Estate Specialist (SRES), Certi ed New Home Sales Professional (CSP), and other areas of specialty.

Home sellers need a Realtor who can help position their home for sale at the right time, price and exposure. ey need a high-level expert who understands a buyer’s thought process, can evaluate potential objections, and then present the home in the best light. Sound marketing is crucial and can have a dramatic e ect on the outcome of the transaction. A good agent must be prepared with documents, before they are required, to simplify the process when the house goes under contract.

Home buyers need a Realtor with access to the most current search tools, and an understanding of critical deadlines and the seller’s process in order to make the negotiation easier and present a more attractive o er. e buyer’s Realtor must understand the most valuable and realistic due diligence to protect the buyer’s earnest money, help negotiate the home’s condition and o er inspectors who can assist in discovering potential issues.

Boulder County is a richly rewarding place to call home. Our decades-long high prices and low inventory make our real estate market challenging. But, if you have access to the right knowledge, it’s a favorable market. Given the demands of today, it pays to know what you don’t know about local real estate and get the needed expertise.

OPEN HOUSE QUICK GUIDE

BOULDER

3240 Iris Ave Unit G 202

$550,000

Sat. 3:30 p.m.-4:30 p.m.

Peyman Razifard

Modern Prestige Real Estate (303) 667-8738

315 Arapahoe Ave 202

$860,000

Sun. 1 p.m.-3 p.m.

Jillian Fowler

Coldwell Banker – Boulder (303) 884-2032

4685 Tally Ho Ct

$1,190,000

Sat. 11 a.m.-1 p.m.

Kathryn Ruhl

RE/MAX Alliance (303) 994-2203

3095 Ouray Street

$1,380,000

Sat. & Sun. 1 p.m.-3 p.m.

Rob Justis

WK Real Estate (303) 817-0906

6110 Chelsea Manor Ct

$1,575,000

Sun. 12 p.m.-4 p.m.

Jamie Zimmerman

RE/MAX Alliance (303) 807-1302

13287 Gold Hill Road

$2,245,000

Sat. 12 p.m.-2 p.m.

Craig Peterson

WK Real Estate (303) 913-7594

225 Bristlecone Way

$2,859,000

Sun. 12 p.m.-2 p.m.

Craig Peterson

WK Real Estate (303) 913-7594

2425 Balsam Drive

$2,937,000

Sat. 1 p.m.-3 p.m.

The Bernardi Group

The Bernardi Group (303) 402-6000

860 Aurora Ave

$2,995,000

Sun. 12 p.m.-3 p.m.

Jan Marose

RE/MAX Alliance

(303) 817-9675

155 Wildwood Lane

$3,750,000

Sat. 1 p.m.-3 p.m.

Marybeth Emerson

Slifer Smith & Frampton-Bldr

(720) 394-1997

2358 Sunshine Canyon Dr

$4,500,000

Sat. & Sun. 1 p.m.-3 p.m.

Marybeth Emerson

Slifer Smith & Frampton-Bldr

(720) 394-1997

1401 Mariposa Ave

$4,890,000

Sun. 1 p.m.-3 p.m.

Marybeth Emerson

Slifer Smith & Frampton-Bldr

(720) 394-1997

BROOMFIELD

5001 Yates Ct

$735,000

Sat. 3:30 p.m.-4:30 p.m.

Peyman Razifard

Modern Prestige Real Estate

(303) 667-8738

ERIE

698 Sundance Circle

$765,000

Sat. 11 a.m.-1 p.m.

Janet Borchert

WK Real Estate

(303) 263-3215

566 Mathews Circle

$995,000

Sun. 1 p.m.-3 p.m.

Cynthia Hogarth

WK Real Estate

(303) 579-4884

3065 N. Stevens Circle

$1,000,000

Sat. 2 p.m.-4 p.m.

Janet Borchert

WK Real Estate

(303) 263-3215

842 Carbonate Lane

$1,075,000

Sat. 11 a.m.-2 p.m.

Denise Maslanka

RE/MAX of Boulder

(303) 478-4299

GREELEY

5775 29th St., #712

$310,000

Sat., 1-3 p.m.

Randy Ewan

RE/MAX Alliance - Fort Collins

(970) 481-5102

LAFAYETTE

452 Levi Lane

By Markel Homes

Starting from $549,900

Fri. - Mon. 11 a.m.-5 p.m.

Marlita Lazo

Markel Homes

(303) 651-9565

452 Levi Lane

By Markel Homes

Starting from $549,900 Thurs. 11 a.m.-5 p.m.

Marlita Lazo

Markel Homes

(303) 651-9565

2716 Big Horn Circle

$475,000

Saturday 12 p.m.-2 p.m.

Marion Fisher

WK Real Estate

(570) 854-5393

2716 Big Horn Circle

$475,000

Sun. 11 a.m.-2 p.m.

Marion Fisher

WK Real Estate

(570) 854-5393

LONGMONT

5801 Grandville Ave

By Markel Homes

Starting from $614,900

Fri.- Thurs. 11 a.m.-5 p.m.

Roz Pinon

Markel Homes

(720) 583-2170

1307 Baker St B

$335,000

Sat. 12 p.m.-2 p.m.

Satir DeMarco

Zenith Realty (303) 888-4663

1479 Wildrose Drive

$670,000

Sat. 3 p.m.-5 p.m.

Rebecca Weihe

WK Real Estate (303) 903-3231

1411 Bluemoon Dr

$699,900

Sun. 1:30 p.m.-3:30 p.m.

Anna Gayer

RE/MAX Alliance

(720) 291-9886

4302 Nelson Rd

$3,775,000

Sun. 12 p.m.-2 p.m.

Kevin Murray

RE/MAX Alliance

(303) 818-9249

LOUISVILLE

244 S. Polk Avenue

$749,000

Sun. 1 p.m.-3 p.m.

Janet Leap

RE/MAX of Boulder (720) 938-4197

1084 Maria Lane

$895,000

Sun. 1 p.m.-3 p.m.

Michelle Trudgeon

WK Real Estate

(720) 272-9547

Colorado Your Dream Home Awaits!

N W O E SHOWCASE

s your current home no longer functional for your lifestyle? Are you looking to downsize or are you buying a first home? Now is the perfect time to consider a new build This month, we’ll highlight the area ’ s finest builders and models available. Just clip this page and schedule a time to meet with a builder at your convenience to discuss more ways to make your dream home a reality. View homes at: AtHomeColorado.com/2023-Colorado-New-Home-Showcase

FEATURING NEW HOMES ACROSS THE COLORADO FRONT RANGE!

Sponsors:

in your home search (continued)

budget range. There’s no reason to look at houses that cost more than you want to pay or to overextend when there are plenty of other options.

While considering the price, consider the lesser-known costs –mortgage insurance, closing costs, and even monthly payments like homeowners insurance and HOA fees. While a house may look affordable from the sales price, you may find that those monthly maintenance costs will put you over what you want to spend.

Schools

Families with children will want to consider the quality of the local school system and the availability of private schools. Using sites such as GreatSchools and Niche, you can check the student-teacher ratio, test score comparisons with other districts and state schools, school rankings, and awards. As you narrow your search to a few houses, you may even want to talk to friends or potential neighbors about the school district – learn what

schools their children attend and how they feel about the teachers and curriculum there.

Local amenities

It’s essential to be near your favorite restaurants, stores, and activities to be happy in your new house, so look at what’s nearby. Make sure a few good restaurants offer delivery for the nights when you need dinner with minimal effort. Ensure that nearby skiing, theaters, or other activities allow you to enjoy your free time. Choosing a neighborhood with these things nearby means spending more time doing what you love instead of driving to it.

Commute

Another drive you’ll want to check on is your commute to work. No one dreams of having to drive an hour before and after a long workday, so at least once, try driving between work and any potential houses during your regular travel times. Doing so

allows you to take note of traffic, different route options, and the mileage for gas.

People who have other regularly scheduled activities, such as sports practices for the kids or book clubs, may also want to repeat this experiment with those destinations. It will give you a clear picture that one house puts you right into the thick of rush hour while another provides accessible transit.

Lifestyle

Think about the lifestyle available for any homes you’re considering. Perhaps you’re looking for a house in a vibrant neighborhood with plenty of kids and young families to socialize with, or you’re a retiree seeking a quieter space. Different areas can provide wildly different vibes and environments, and choosing the one that fits your dream lifestyle has long-lasting impacts on your happiness and quality of life.

Some of this can be determined with online research. Your realtor’s website may have community

guides that provide insight into different towns or neighborhoods, or you can use other resources like AreaVibes and even Zillow. You’ll also benefit from speaking with local residents, friends, and coworkers who know the area and can weigh in based on their experiences. Additionally, an experienced Realtor can help you determine what town or neighborhood best suits you and your family.

Searching for your dream home is not a task to take lightly and is one where you should utilize every resource at your disposal. Whether looking at the urban lifestyle in Greeley condos or family homes in Windsor, the house and the surrounding atmosphere must be carefully weighed.

Christian Garcia is a Realtor at Sears Real Estate, 2021 Clubhouse Drive, #100, Greeley. To reach Christian, call 970.301.5963, e-mail cgarcia@searsrealestate.com or visit realtorchristian.com.

How can I keep my attic well insulated?

By Paul F. P. Pogue, Ask Angi (TNS)

Attic insulation may be low on your list of glamorous home improvements. Indeed, there’s a good chance you’ve never thought about it. But like the hat you wore on the way to school, attic insulation provides essential protection to the part of your home most likely to lose energy. You pay a lot of money to cool your

home in summer and warm it in winter, and a poorly insulated attic can leak out that climate-controlled air in no time.

If you think you’re losing energy due to a poorly insulated attic, hiring an insulation pro to take a look is a good idea. Indeed, even if you don’t have suspicions, it’s not a bad idea to get your attic looked at by a pro if it’s never been inspected before. A pro can identify if there’s enough

insulation and of the proper type, and they’ll make recommendations about the best path to solve the problem.

Here’s a look at the basic types of attic insulation and their pros and cons:

Reflective insulation

This insulation is made from a reflective material such as aluminum foil. It’s reasonably effective at reflecting away heat in warm climates but doesn’t work well in cold temperatures without other types of insulation to augment it.

Blow-in

RE/MAX of Boulder 303-441-5642

patrickdolanteam@gmail com

http://athomecolorado com/patrickdolan

A machine blows this kind of insulation into all the nooks and crannies. It uses tiny fibers and fiberglass to cover the area. It’s easy to install and made of cheap materials, but it doesn’t last as long as others.

Bat

These long rolls of fiberglass, fiber and cellulose work well in attics because they’re best used in standard-

sized spaces. They’re practical and easily installed so long as they don’t need to be squeezed into unusually shaped areas.

Spray foam

Spraying in foam insulation is an excellent solution to tight layouts. This sprays foam in to fill an entire area. You can get it in either open-cell or closed-cell forms. Closed-cell costs a little more but resists moisture more effectively.

Loose-fill

This looks like blown-in insulation but is laid manually rather than blown by a machine. It works well in attics, where it can be easily laid down.

Structural insulated panels

These boards are among the most expensive insulation methods, but they’re also the most effective. However, they don’t fit non-standard spaces very well, and they’re harder to retrofit into existing spaces, so they work best in new construction.

PATRICK DOLAN

Read Patrick’s At Home profile at:

Elliott Apartments are located in a historic residential neighborhood in Longmont, Colorado. Just two blocks from beautiful main street Longmont, Elliott Apartments has easy access to shopping,

Broker | Owner

A portion of my annual income is donated to Blue Sky Bridge in Boulder an ASF Animal Rescue

Increasing the velocity of wealth with a college condo, Part 2

water the lawn, shovel snow, and maintain the home

• Neighborhood may be less friendly to a group of students living there

What to do with the rental property when the student is ready to move on

DUANE DUGGAN

In my last article, Part 1 of “Increasing the Velocity of Wealth With a College Condo,” I discussed how purchasing a condo or house for your child to live in while attending college can be a worthwhile investment and can provide financial benefits and other advantages for your college student.

As you evaluate this decision, here’s a guide to help you:

Helping your college student establish credit

If you decide to have your college student on the mortgage and deed, you can help your student establish credit prior to making a mortgage loan application by obtaining a credit card in his or her name, preferably a year prior to your house or condo purchase. In addition, if the student has a car, it is a good idea to have a small loan on the car in the student’s name, which can also help your student’s credit rating. It is also good idea to meet with a mortgage professional to discuss strategies well in advance of a possible purchase.

Method of ownership for the “student property”

It’s necessary to talk to your accountant and attorney to determine the ownership method that works best for you. Some parents will buy the property as a second home or as an owner-occupied property with the student on the deed and loan. Others will treat it 100% as a rental property for additional tax benefits. There are many ways of holding the title including creating a family limited liability company (or FLLC).

Rental roommate income

One option is to buy a 1-bedroom condo for your student to live in alone. However, a 2-bedroom unit will allow for a roommate, and the rent from the roommate can supplement the mortgage payment. If a 3-bedroom unit or home can be found, the rental income from

2 roommates can help the monthly cash flow even more. Be aware that there are occupancy limits imposed in some communities. In other words, check the local ordinances before deciding if it is okay to have 5 students living in one property. In Boulder, zoning rules allow 3 unrelated people in a low-density zone and 4 unrelated people in a medium or high-density zone.

Roommate lease or rental agreement

Even though the potential roommates are typically close friends, it is a good idea to have a written rental agreement for roommates. The roommate rental agreement should cover all of the terms typically found in a residential lease such as:

• Lease term

• Rental rate and due date

• Security deposit

• Notice to vacate

• Utility payment agreement

• Maximum occupancy

• Parking

• Pets

Financing for the “student property”

If a condo is being purchased, the type of financing and down payment options available can be determined by the owner occupancy ratio of the condo complex and what particular approvals (FHA, Fannie Mae, etc.) are available. It is good to have the lender check to see if the complex has the approvals for the type of financing you are considering.

Is it better to purchase a house or a condo/townhome?

This decision depends on whether

or not the student will be able to maintain a house and be responsible for exterior maintenance, snow removal, lawn care, etc. Often a condo suits student life best since most college students are not interested in mowing the lawn in their free time. Typically, an owner will be paying a Homeowner’s Association (HOA) fee at a condo or townhome in order to cover these maintenance items. This will increase the monthly cost but will ensure that the upkeep and maintenance tasks are completed.

Advantages of a condo for a student

• No lawn care, snow shoveling, or exterior maintenance

• Easier to “just leave” for the summer

Disadvantages of a condo for a student

• Owner occupancy ratio of the complex could affect the ability to purchase, sell or refinance

• Homeowner’s Association fee may be high and out of your control

• Loud music or parties might bother nearby neighbors

Advantages of the single-family home

• No concern over occupancy ratios

• A single-family home might be easier to resell than a condo since you tend to have more competing properties when selling a condo or townhome

• Often there is no Homeowner Association fee

Disadvantages of the single-family home

• The student needs to mow and

When the student is ready to move on and has hopefully graduated, there are a few options to consider. The owners can keep the property as an investment rental, the former student may keep it as their first home, or you can exchange it for a real estate investment somewhere else.

As an example, one family I worked with purchased a property for their first child who attended and graduated from CU-Boulder, then sold the property in Boulder and bought a new property in a different college town where their next child was planning to attend school.

Potential financial benefits include:

• Possible appreciation in value

• Possible tax benefits

• Debt reduction on an amortized loan which increases equity build up

• Keep as an investment after college for cash flow

Purchasing a college home is a significant decision. Consulting the appropriate professionals can help create a plan for a housing situation that could provide many short- and long-term benefits for your student and your family.

Duane graduated with a business degree and a major in real estate from the University of Colorado in 1978. He has been a Realtor® in Boulder since that time. He joined RE/MAX of Boulder in 1982 and has facilitated over 2,500 transactions over his career, the vast majority from repeat and referred clients. He has been awarded two of the highest honors bestowed by RE/MAX International: The Lifetime Achievement Award and the Circle of Legends Award. Living the life of a Realtor and being immersed in real estate led to the inception of his book, Realtor for Life. For questions, e-mail Duane at duaneduggan@boulderco.com, call 303.441.5611 or visit boulderco.com.

To view a more cities and a more complete list of new home communities and builders across the Colorado Front Range, view our interactive map online at: www AtHomeColorado com/NewHomeMap

ur region is home to more than 700,000 residents and includes some of the most diverse, natural landscapes and sustainable development along the Northern Front Range of Colorado It’s no wonder why those who live here stay and why our the area is coveted as a place to relocate to Here we highlight a selection of the area ’ s new home communities and which builders are building where

BERTHOUD

Farmstead

Builder: Sage Homes

Rose Farm Acres

Builder: Richmond American

Heron Lakes –

TPC Colorado

Builder: Landmark Homes, Lifestyle Custom Homes, Toll Brothers

BOULDER

Velo Condos

Builder: Thistle Velo LLC

BROOMFIELD

Baseline Colorado

Builders: Boulder Creek

Neighborhoods, Meritage Homes, Thrive Home Builders

Vive on Via Varra

Builder: Meritage Homes

ERIE

Coal Creek Commons

Builder: Century Communities

Colliers Hill

Builders: Boulder Creek

Neighborhoods, KB Home, Richmond American

Compass Builder: Lennar

Erie Highlands Builder: Oakwood Homes

Erie Village Builder: Porchfront Homes

Flatiron Meadows Builder: KB Home, Taylor Morrison, Toll Brothers

Morgan Hill Builder: Lennar

Rex Ranch

Builder: Taylor Morrison

Westerly

Builder: McStain Neighborhoods, SLC Homes Wonderland Homes

Wild Rose

Builder: Lennar

FIRESTONE

Barefoot Lakes

Builder: Brookfield Residential, Creekstone Homes, Lennar, Richmond American Homes

FREDERICK

Seasons at Silverstone

Builder: Richmond American Homes

GREELEY

Northridge Trails Townhomes

Builder: Hartford Homes

Promontory

Builder: Journey Homes

JOHNSTOWN

Park House Thompson River Ranch

Builder: Oakwood Homes

The Ridge at Johnstown

Builder: Bridgewater Homes

Pintail Commons at Johnstown Village

Builder: Richfield Homes

Mountain View Builder: Baessler Homes

LAFAYETTE

Blue Sage

Builder: Markel Homes

Avalon Meadows

Builder: Von’s Colorado Concepts

Silo

Builder: Cornerstone Homes

Silver Creek

Builder: Markel Homes

LONGMONT

Highlands at Fox Hill

Builders: Dream Finders Homes, Landmark Homes

Terry Street Townhones

Builder: New Leaf Properties

LOUISVILLE

North End

Builder: Markel Homes

LOVELAND

The Enclave at Dakota Glen

Builder: Glen Homes

The Enclave at Mariana Butte

Builder: American Legend Homes

Eagle Brook Meadows

Builder: Bridgewater Homes, Challenger Homes

The Lakes at Centerra

Builder: Bridgewater Homes, Landmark Homes, KB Home

Kinston at Centerra

Builder: Richmond American Homes, Dream Finders Homes

MILLIKEN

Brookstone

Builder: Windmill Homes

Sunfield

Builder: Windmill Homes

SUPERIOR

Downtown Superior

Builder: Thrive Home Builders, Remington Homes

Heights at Downtown Superior

Builder: Toll Brothers

Lanterns at Rock Creek

Builder: Boulder Creek

Neighborhoods

Montmere at Autrey Shores Builder: Koelbel

Rogers Farm Builder: Boulder Creek

Neighborhoods

TIMNATH

Harmony Builder: Landmark Homes

Serratoga Falls

Builder: American Legend Homes, Richmond American Homes

Timnath Lakes Builder: Toll Brothers

Trailside

Builder: Wonderland Homes

Wildwing Patio Homes

Builder: Hartford Homes

WINDSOR

Country Farms Village

Builder: Landmark Homes

Greenspire

Builder: Windmill Homes

RainDance

Builder: American Legend Homes, Hartford Homes, Wonderland Homes

Seasons at Hunters Crossing

Builder: Richmond American Homes

Vernazza Builder: Landmark Homes

Village East Builder: Journey Homes

FIND YOUR DREAM HOME!

“We originally thought we did not need an agent to help us with our new home purchase and after several months of frustration, a friend suggested we contact Mar y at Boulder Home Source, within a month she helped us find the perfect new build and negotiated a lower rate and upgrades that we never expected ” The Smiths

REAL ESTATE TRANSACTIONS

The Following Northern Colorado Home Sales Were Supplied By Colorado Weekly Homebuyers List Inc., 303-744-2020. Listed Are The Buyer, The Property Address, The Seller and The Amount.

BERTHOUD

• James and Patti Sturgess — 865 Bruce Drive, Emerson Oronte, $460,000.

• Mark and Ryan Beese — 590 Wagon Bend Road, Jeffrey and Carolyn Fields, $600,000.

• Barry Keegan — 5117 Beverly Drive, Clay and Shara Eisenberg, $700,000.

• Lyndsay Gonzalez -- 580 Capitol Reef Court, Charles Van Valkenburg, $736,000.

• Miles Buescher -- 584 Schofield Road, Justin and Jacqueline Jorissen, $850,000.

• Melissa and Terry Chourb — 3201 Timeless Circle, David and Micki Fregosi, $1,135,000.

BOULDER

• Shulan Bi — 830 20th St. Apt 207, Thomas and Nancy Miller, $358,500.

• Travis Loesch — 4771 White Rock Circle Apt C, John Aron Maguire, $377,500.

• Annette Stramaglia — 3030 Oneal Parkway Apt R10, Geoffrey C Bostwick, $409,000.

• Dillon and Katherine Demore — 4680 White Rock Circle Apt 7, Judith S Ray, $445,000.

• Elijah Zabielski — 481 Main St., Terry Walters, $465,000.

• Nadja Redd — 2105 Walnut St. Apt 3a, Melisa L Holman, $475,000.

• Tanya Dwyer — 4763 White Rock Circle, Corinne Disalvo, $481,000.

• William Hughes — 4415 Laguna Place Apt 108, Janice K Kugel, $540,000.

• Catherine Newman — 4176 Greenbriar Blvd., Scott A Gordon, $680,000.

• Andrew and Stephanie Browne — 40440 Boulder Canyon Drive, Astrid Gifford, $705,000.

• Alimarie Payne — 4025 Moorhead Ave., Floyd G Goodman, $760,000.

• Clara Fairbanks — 205 29th St., Miwako Shimokawa, $780,000.

• Matthew Mercier — 601 Pika Road, Mary Therese Lewis, $800,000.

• Kyle Donahue — 3206 47th St., Olegario L Craig, $802,000.

• Matthew Chaves — 35306

Boulder Canyon Drive, Joann and Jeremy Nelson, $849,000.

• William Locke — 198 Kelly Road E, Sarah Park, $885,000.

• Jennifer Liang — 4655 Ludlow St., Beverly Ann Mcnear, $900,000.

• Samuel Garvin — 2420 Vineyard Place, Alessandra Zapiecki, $905,000.

• Samuel Erwin — 1493 Brown Circle, Steven G Perce, $915,000.

• John Baylor — 946 Portland Place, Jason Dunlop, $1,000,000.

• Nithin Ravi — 2903 32nd St., Michael Paul Spivey, $1,110,000.

• Dian Quatrochi — 7351 Buckingham Court, Donna M Rogers, $1,170,000.

• Evelyn Lempriere — 7180 Four Rivers Road, James R Weidlein, $1,228,000.

• Carl and Juliet Aldin — 3030 Heidelberg Drive, Jonathan and Alle Sandridge, $1,300,000.

• Margaret and Eric Tilton — 1001 Miami Way, Molly A Flynn, $1,550,000.

• Joseph Mauro -- 310 Linden Ave., 310 Linden LLC, $2,300,000.

• Scott and Christine Young -- 375 16th St., Margot and C Brauchli, $2,300,000.

• Thomas and Alaine Cosgrove — 730 Pine St., Douglas and Jennifer Campbell, $2,975,000.

EATON

• Taryn Sharp — 220 Bluegrass St., Deborah and Sterling Miller, $535,000.

• Seth and Aislyn Walters — 1722 Pioneer Place, Michael S Label, $549,000.

• Michael Label — 616 Singletree Lane, Gaylord Naill, $585,000.

• Edward and Sandra Croissant — 1615 Colorado Parkway, Ty and Kaley Bailey, $585,000.

• Joshua and Jayna Aragon — 38662 County Road 29, Alexandra Carron, $1,100,000.

• Randy and Nicole Watkins — 11717 County Road 78, Ernest and Jenni Crownover, $1,750,000.

EVANS

• Ismael Valencia — 3834 Belmont Ave., Rebecca Lynn Barrett, $330,000.

• William Mccormack — 4005 Eagles Nest Drive, Curtis Moon, $367,000.

• Tyler Duff — 3221 Belmont Ave., Martin Sullivan, $419,000.

• Genesis Campos — 3709 27th Ave., Manuel Valenzuela, $435,000.

• Brian Alton — 3323 Costanita

St., Emanuel and Dolores Lambert, $445,000.

GREELEY

• Kristina Provost — 1300 14th Ave., Ronda E Hood, $295,000.

• Jason Rangel — 5551 29th St. Unit 3521, Jesse Jr Sirio, $295,000.

• Vicente Chavez — 702 26th Ave., Monica and Nestor Collazo, $300,000.

• Kimberly Hoffgebhardt — 1925 28th Ave. Unit 18, David and Pamela Stinson, $314,000.

• Niqelle and John Fyffe — 1807 7th St., Jessica Guadalupe Valdez, $320,000.

• Gregory and Tonia Gaiser — 1620 37th Ave., Paul and Billie Gaiser, $322,000.

• Autumn Anderson -- 6603 W 3rd St. Unit 1820, Luis Alberto Castellanos, $335,000.

• Jessica Williams — 407 35th Ave., Ronda Muro, $345,300.

• Lane Mauch — 1030 23rd St., 1030 23rd LLC, $350,000.

• Paul and Carol Dahlgren — 4620 W 4th St. Unit 30, Sandra L Varley, $375,000.

• Kristopher Ramos — 2607 W 15th St., Karen M Collins, $380,000.

• Kevin and Ellen Okonek — 4634 Carlsbad Drive, Kristen Marie Doucette, $385,000.

• Scott and Nancy Vermilyea — 5600 W 3rd St. Unit 2-G, E Leroy Jochim, $385,000.

• Connor Kelly — 2645 14th Ave. Court, Shane Powell, $403,000.

• Janet Mock — 1200 43rd Ave. Unit 15, Sandra K Wagner, $405,000.

• David Chavira — 4616 23rd St. Unit 2, John and Sandra Zahtila, $410,000.

• Roberto and Maria Coss — 2547 18th Ave., Gregory and Tonia Gaiser, $410,000.

• Jesse Sirlo — 2168 31st St., Anesha Pinkstaff, $410,000.

• William and Lynnea West — 1000 78th Ave., Nicole L Waters, $432,000.

• Carol Jahn — 1663 88th Ave. Court, Jennifer Kelly, $433,000.

• Matthew and Edwin Ricke — 110 N 49th Ave., Ronald and Elvida Dickerhoff, $444,000.

• Patricia Davis — 1903 88th Ave. Court, Alvaro Parra Hernandez, $455,000.

• Walter Kenny — 10306 17th St., Journey Homes LLC, $460,700.

• Julia Vermilyea — 2302 72nd Ave. Court, Leslie Dakota Beaudoin, $485,000.

• Olivia and Blake Ridgway — 1142 52nd Ave. Court, John and Jamie Dennehy, $507,000.

• Joshua Wood — 6634 4th St.

Road, Hartford Constr LLC, $533,000.

• James and Cynthia Moore — 2032 Fairway Lane, James and Cheryl Estrick, $555,000.

• Donald and Margaret Yarbrough — 3812 W 16th St. Drive, Sharon Arsdale, $640,000.

• James and Lindsay Kohles — 1862 13th Ave., Bears Den LLC, $750,000.

• Cody and Emily Ball — 6525 W 26th St., Randy and Nicole Watkins, $1,350,000.

JOHNSTOWN

• Gary Wiedeman — 237 Cardinal St., Baessler Townhomes Colo LLC, $325,500.

• Gary Wiedeman — 245 Cardinal St., Baessler Townhomes Colo LLC, $330,400.

• Gary Wiedeman — 241 Cardinal St., Baessler Townhomes Colo LLC, $353,300.

• Gary Wiedeman — 233 Cardinal St., Baessler Townhomes Colo LLC, $358,100.

• Brenda Dewey — 9 Lindenwood Circle, Alex and Amelia Barber, $388,000.

• Ryan and Hannah Boudreau — 4524 Mountain Sky Court, Journey Homes LLC, $454,200.

• Joseph and Mayra Contreras — 833 Crestone St., Lennar Colo LLC, $470,000.

• Charly Sanders — 4399 Mountain Sky Court, J J Constr Northern Colo LLC, $476,800.

• Leslie and Ashley Rae — 4492 Mountain Sky Court, J J Constr Northern Colo LLC, $488,800.

• Nicholas and Jessica Villella — 4379 Moose St., J J Constr Northern Colo LLC, $497,300.

• Derek Sherman — 4295 Moose St., J J Constr Northern Colo LLC, $501,300.

• Neil Guzman — 3925 Hunterwood Lane, Andrew Justiniano Galang, $502,500.

• Wesley Neville — 4460 Mountain Sky Court, J J Constr Northern Colo LLC, $502,600.

• Gregory and Heather Loomis — 2647 Doe Ridge Way, J J Constr Northern Colo LLC, $511,000.

• Nathaniel Ambler — 498 Starling Lane, Melody Homes Inc, $519,000.

• Cody and Patricia Toy — 620 Lincoln St., Century Land Holdings LLC, $525,000.

• Karleigh Crow — 717 Columbia St., Lennar Colo LLC, $576,000.

• Gerardo and Ibon Millan --

4477 Scenic Lane, Aspen View Homes LLC, $578,700.

• Brooke Jaramillo — 4519 Scenic Lane, Aspen View Homes LLC, $599,300.

• Cole Kuskie — 704 Columbia St., Lennar Colo LLC, $675,100.

• Robert Cook — 1818 Canvasback Drive, Lance and Kathlene Woltemath, $703,000.

• Amy Owen — 7520 Caren Circle, Ronald and Sheryl Griese, $705,000.

KERSEY

• Moises and Monserrat Sanchez — 22243 County Road 53, Elois Oster, $433,500.

LA SALLE

• Lee Strang — 147 S 2nd St., Reverse Mtg Funding LLC, $151,200.

LONGMONT

• Grant and Merrill Black — 10656 Durango Place, Heather Mast, $420,000.

• Sharlene Kesler — 330 High Pt. Drive Apt B101, Highlands Foxhill Homes LLC, $447,700.

• George and Christine Schutte — 330 High Pt. Drive Apt B202, Highlands Foxhill Homes LLC, $453,100.

• Stefanie Maletich — 330 High Pt. Drive Apt B203, Highlands Foxhill Homes LLC, $453,700.

• John Neyer — 1245 Judson St., Douglas Derosia, $501,000.

• Ernesto Arellano — 1503 S Vivian St., Maggie A Edelfelt, $510,000.

• Shannon and Robert Small — 1409 Lefthand Drive, Frieda and Benjamin Garcia, $525,000.

• Andrew Laive — 1517 Twin Sisters Drive, Phinehas Weldon, $540,000.

• Vincent and Celene Andreano — 569 High Pt. Drive, Dfh Mandarin LLC, $565,000.

• Jeremy and Jessica Fitches — 841 Elliott St., Purchasing Fund 2020 1 LLC, $565,500.

• Brandon and Angela Truschel — 2101 Santa Fe Drive, Jeffrey L Curtis, $595,000.

• Nancy Freas — 2370 Santa Fe Drive Unit A, Suzanne M Sykes, $610,000.

• Erin Dougherty — 1484 Mayfield Circle, Ian Bennett, $615,000.

• Ashlee Cassity — 1428 Bellwood Drive, Ronald and Dionis Rogge, $615,000.

• Alan Ayala — 553 High Pt. Drive, Dfh Mandarin LLC, $620,000.

• John and Barbara Wolfe — 2426 Santa Fe Drive Unit D,

Bruce Evans Hallock, $625,000.

• Sean and Megan Rochambeau — 689 Clarendon Drive, Jason and Jessica Whitmore, $642,000.

• Scott and Bridget Hillard — 718 Nelson Park Drive, Jordan and Madison Mckean, $654,000.

• Jeffrey Bonin — 2427 Whistler Drive, Kb Home Colo Inc, $668,200.

• Richard and Dana Coleman — 1016 Fordham St., Genessa and Christopher Mcvay, $675,000.

• Kendall and Breanne Wisehart — 1200 Columbia Drive, Jerome and Janice Dieringer, $695,000.

• Steven and Emma Hill — 1175 Winslow Circle, Adriana G Ramirez, $725,000.

• Simon Panariso — 742 Hallmark Lane, Becky J Claypool, $735,000.

• Evan Zalysgeller — 1115 Berkeley Court, Charles and Beverly Howard, $775,000.

• Kirsten and Jared Young — 9057 Morton Road, John and Jodie Allen, $955,000.

• Carol and Charles Kelly — 5636 Cottontail Drive, Wg Longmont 2build LLC, $960,000.

• Calliandra Hintzen — 15 Sunset Circle, Sawato Aizeki, $985,000.

• Matthew and Jeanette Farnum — 611 Grant St., Sarah C Holt, $1,270,000.

• Wendy and Robert Steinway — 7218 Cardinal Lane, Denis and Jessica Iler, $1,477,000.

• Andrew and Angela Mitchell — 9400 Mitchell Court, Kevin Schatzle, $1,607,000.

LOVELAND

• Nora Fan — 1013 E 3rd St., United Colo LLC, $262,000.

• Nathaniel and Janee Oye — 972 Monroe Ave., Joel C Dickens, $290,000.

• Zachary Stansell — 3139 Da Vinci Drive, Aspen Homes Colo Inc, $377,100.

• Dennis Klee — 1883 Halfmoon Circle, Jerry C Andrew, $388,000.

• Josue Chavez — 330 Frederick Drive, Carlyle Invest Group LLC, $395,000.

• David Howell — 755 S Edinburgh Drive, Jordyn William Widener, $395,000.

• Jeanine Moore — 4193 N Park Drive, Datlac LLC, $413,300.

• Elizabeth Nelson — 4191 N Park Drive, Datlac LLC, $414,200.

• Cody and Alexandra Romine — 1828 Elk Springs St., Paul Sobczyk, $430,000.

• Francesca Mcmillen — 781 Essex Drive, Dorwin B Gerry

Living Trust, $435,000.

• Aaron Bauer — 3739 Chestnut Court, Robert and Linda Boysen, $450,000.

• Alexander and Barry Everen — 2228 Ulmus Drive, Juliana and Nichole Knopp, $460,000.

• Kimberly Foster — 2567 Trio Falls Drive, Jeremiah and Jessica Billmann, $470,000.

• David and Zoe Becker — 3702 Logan Drive, William and Chery Huffman, $470,000.

• Kim and Linda Stenson — 417 Promontory Drive, Julie K Haugen, $485,000.

• Lynette Caraway — 4110 Stringtown Drive, Dennis and Rebecca Hofer, $485,000.

• Eric and Tina Kaltenberger — 240 Shupe Circle, Peggy Ann Meyers, $487,500.

• Zackery and Abigail Whiting — 1634 Box Prairie Circle, Daniel and Penny Luebbers, $495,000.

• Nancy Fejer — 2444 Cabin Creek Ave., Lennar Colo LLC, $523,000.

• Kyle and Annah Martinez — 3051 Photon Court, William H Snyder, $555,000.

• Thomas Healy — 2470 White Pelican Ave., Dfh Mandarin LLC, $560,000.

• Guinevere and Berton Lynn — 460 Mesa Drive, Kurt D Ireland, $575,000.

• Corey and Corinne Bernhardt — 532 Scoria Ave., Zavvie Offers, $575,000.

• Garrett and Brittany Snow — 2439 Cabin Creek Ave., Lennar Colo LLC, $580,000.

• Janelle Bahr — 5606 Maher Ave., Tralon Homes LLC, $593,000.

• Catherine and Gerald Messmer — 1851 Lazear St., Tralon Homes LLC, $595,500.

• Lourdes Torres — 2628 Empire Ave., Janis S Erickson, $625,000.

• Lance Phillips — 4532 Foothills Drive, Ricardo and Denise Garcia, $660,000.

• Jane and Michael Richards — 5029 Saint Andrews Drive, W and Nancy Karr, $740,000.

MILLIKEN

• Benjamin Devries — 104 N Quentine Ave., Deanne Minkler, $375,000.

• Paul and Monika Spielvogel — 1090 Norma Court, James J Nethercott, $420,000.

• Jackson and Kristen Wachholtz — 755 Pioneer Drive, Corey and Robert Ott, $450,000.

PLATTEVILLE

• Megan and Kyle Kmetz — 5660 County Road 34, Philip Sofolo, $625,000.

WINDSOR

• Michael Garcia -- 360 Rancho Drive Unit 610, Water Valley Vaults LLC, $200,000.

• Allison and John Brooks — 680 Moonglow Drive, Justin and Amanda Mccullough, $360,000.

• Michael Mcconnell — 10 Main St., Paige D Walker, $378,500.

• Deborah and Timothy Traxinger — 1043 Greenbrook Drive, Journey Homes LLC, $448,700.

• Marilyn Miller — 299 Greenville Way, Journey Homes LLC, $455,100.

• Kelly Rickard — 968 Maplebrook Drive, Journey Homes LLC, $483,300.

• Perry and Heidi Heidi — 1740 Sundown Run Drive, Gilbert Salazar, $495,000.

• Marcene Wright — 967 Ashbrook Drive, Journey Homes LLC, $497,800.

• Mitchel and Kayla Wagner — 5647 Osbourne Drive, Eric and Jordan Nieters, $525,000.

• David and Debra Umland — 1855 Paley Drive, Courtney Marie Bonsall, $535,000.

• Katherine Buchanan — 510 Parkwood Drive, Moriah and Aaron Dorsch, $538,000.

• Michael and Jenise Moats — 1948 Hillside Place, John and Shell Rowley, $575,000.

• Joel and Shelley Atkinson — 1908 Tidewater Lane, Ashley and Brandon Lukas, $623,000.

• Michael and Jacqueline Puhl — 2007 Sweet Pea Drive, Ellena and Brian Frye, $640,600.

• Stewart and Wendy French — 2152 Setting Sun Drive, David and Cheryl Redden, $700,000.

• Timothy and Shirley Kirby — 1560 Marbeck Drive, Treina and Danny Elliott, $700,500.

• Bryan and Jaime Romine — 5644 Indian Wells Court, Christopher and Erica Ambriz, $733,000.

• Vinh Nguyen — 1771 Barefoot Drive, Th Pelican Shores LLC, $750,000.

• Donald and Linda Jaffee — 8371 Castaway Drive, David Hallet Smith, $820,000.

• Luke and Lindsay Bass — 8321 White Owl Court, Kyle and Erin Hicks, $865,000.

• Michael and Stephanie Moreno — 2072 Covered Bridge Parkway, Jacob and Anastasia Cadwell, $925,000.

• Thomas and Donna Rafferty — 1049 Ridge West Drive, Troy and Jana Ukasick, $968,000.

• Dominick and Camille Campana — 1644 Flourish Court, The Raindance Windsor LLC, $1,012,500.

Boulder,

CO 80302