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REAL ESTATE NEWS | STOP WASTING MONEY ON HOUSEHOLD EXPENSES | ASK THE EXPERT

JANUARY 5-6, 2024

Real Estate New Year’s Resolutions

MARKETING FEATURE

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JANUARY 5-6, 2024

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NEWS ATHOMECOLORADO.COM

COLORADO HOME & REAL ESTATE CONTRIBUTING WRITERS Duane Duggan Cathy Hobbs Tom Kalinski Jeff Ostrowski Paul F. P. Pogue Rob Proctor

The Bernardi Group announces new buyer’s agent and closing manager BOULDER – The Bernardi Group would like to announce two recent changes to its office.

Rachel Rasmussen just shifted from being our Closing Manager to a Buyer’s Agent

and how that can be applied to meet their real estate goals.

In her free time, Rachel loves hiking, skiing and adventuring with her husband and two dogs in the beautiful mountains of Colorado.

gstone@prairiemountainmedia.com

Rachel Rasmussen has recently been named a new Buyer’s Agent for the Group’s Boulder office.

Rachel has more than 4 years of experience working at The Bernardi Group as a Listing Manager and Closing Manager having worked on hundreds of residential real estate transactions.

Rachel’s diligence and passion combined with extensive experience in contract negotiations and transaction management provide her clients with important insights that allow them to make well-informed purchasing decisions.

In this quickly changing and dynamic market, Rachel’s goal is to provide her clients with key information on current inventory and week-by-week data so each individual has a firm understanding of value, current market conditions,

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

Forecast: Big drops in HELOC rates, modest declines for home equity loans in 2024

ADVERTISING CONSULTANTS Thais Hafer Toni McNeill REAL ESTATE ADVERTISING DIRECTOR Mary Romano MANAGING EDITOR Greg Stone

To advertise, call 303.588.8433.

A Marketing Feature of

©2024 Prairie Mountain Media.

Rachel Rasmussen

Maria Miller joins the Bernardi Group as Closing Manager

Maria Miller has been a licensed Realtor since 2017. She has held various roles in real estate and property management including Agent, Director of Operations, Director of Leasing, Transaction Manager, and Leasing Consultant.

Her diversified real property background and experiences have shaped her current role as the

Maria Miller

Closing Manager for The Bernardi Group.

Maria enjoys building relationships with clients and getting them to the closing table.

Her favorite hobbies are cycling, yoga, teaching group fitness, healthy cooking, being outside, learning, and being with family and her dog Bruno. Favorite areas include the Boulder area’s amazing gravel and multi-use trails, Lefthand Canyon, and Pearl Street. Boulder area’s amazing gravel and multi-use trails, Lefthand Canyon and Pearl Street.

By Jeff Ostrowski Bankrate.com (TNS)

The rates on home equity lines of credit (HELOCs) and home equity loans remain unattractively high, even as mortgage rates nosedived in late 2023. The average rate on a HELOC was 10.12% as of Dec. 27, while home equity loans cost more than 9%, according to Bankrate’s national survey of lenders.

Better news could come in 2024, says Greg McBride, Bankrate’s chief financial analyst, who expects HELOCs to average 8.45% by the end of the year, and home equity loans to average 8.5%.

“Homeowners are sitting on a record amount of home equity, but borrowing costs have been at multidecade highs,” says McBride. “We’ll see slight improvement in home

Experts see slight improvement in home equity loan rates in 2024. (Dreamstime/TNS)

equity rates in 2024.”

HELOCs: Get ready to shop for bargains

You can take out a HELOC or home

equity loan for any reason, provided you qualify. Many homeowners use them to fund renovations or consolidate higher-interest debt.

CONTINUED – See Page 10

JANUARY 5-6, 2024

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Steve Altermatt

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Boulder’s #1 Broker for 30 years!

Steve sells more homes in Boulder than any other real estate broker or real estate team!

25 listings in Boulder sold in 2023!

Let my unmatched experience help you buy or sell a home in 2024.

Steve Altermatt, CRS 303-441-5669

www.SteveAltermatt.com • steve@stevealtermatt.com

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ASK THE EXPERT

What do I do with all my holiday stuff?

Tree disposal

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

The hustle and bustle of the holidays have come to a close, and after the new year, it’s goodbye to lights and glitter and hello to new year’s resolutions.

Holiday cleanup can be as complicated as holiday prep, but with a few simple tips, you can ace the cleanup and make next year’s prep that much easier ahead of time.

Decoration preparation

Decorating is fun; de-decorating is a necessary consequence. It’s very easy to just pile everything together and hope for the best next year. But you’ll be saving time both today and next fall if you organized your decor as you go along, making sure everything is in a proper bin or box.

That way, you can pull out the boxes next year and be ready to go.

While you’re at it, give the home a thorough sweeping, mopping and vacuuming to get rid of any random tinsel, glitter or tree needles.

If you’ve had a particularly busy

Many cities and localities offer holiday tree collection services where you can simply drop off your tree on the curb where you usually place your trash cans, and the city takes care of it from there. Other cities may have designated dropoff points when you can drive your tree and leave it there.

(Dreamstime/TNS).

holiday season, consider hiring a pro cleaner for a deep clean. If you have a lot of stuff, a professional organizer can help you create a system that puts you in the perfect place for next year.

A live tree brings a unique aspect to your holiday proceedings. But unlike an artificial tree, you can’t just pack it up into the attic when you’re done; these are one-time-use deals.

Many cities and localities offer holiday tree collection services where you can simply drop off your tree on the curb where you usually place your trash cans, and the city takes care of it from there. Other cities may have designated drop-off points when you can drive your tree and leave it there. Quite often, cities will turn the trees into compost or mulch to benefit city parks.

If you don’t have municipal pickup where you live, you can call a junk removal service to haul it away for a reasonable fee.

Alternately, with a little elbow grease and equipment, you can recycle your tree. If you have a solid chainsaw and wood chipper, you can grind your tree down into mulch or compost. Some local charities will run independent dropoff sites or even pick up your tree so they can use it for compost, mulch, and other

purposes.

Holiday lights

Lights tend to be among the most common holiday ornaments. But eventually, they start to wear out, or you simply want to replace them, especially if you have classic incandescent lights and want to upgrade to LEDs. Many recycling centers accept holiday lights in January, or can tell you who will take them. If your lights still work, thrift stores such as Goodwill will also take them. And whether or not your lights are working, many home improvement stores offer disposal programs where you can drop off your lights and perhaps even receive a coupon or other incentive.

Tweet your home care questions with #AskingAngi and we’ll try to answer them in a future column. ©2024 Ask Angi. Visit at angi.com.

Distributed by Tribune Content Agency, LLC.

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COVERPROFILE

REAL ESTATE

Real Estate New Year’s Resolutions for 2024

W

elcome to 2024!

As we embrace a fresh start, it’s customary to set New Year’s resolutions.

People often aim for weight DUANE loss, gym DUGGAN memberships, waking up earlier in the mornings, and more. How about adding a real estate goal or two to your list this year? It might be worth pursuing.

In the realm of real estate, having time on your side is a significant advantage. Good things often unfold when there’s ample time. Yet, our tendency to procrastinate can hinder

us from diving into the real estate market. Initiating progress on these resolutions sooner rather than later is key.

Take a moment to jot down your real estate aspirations and craft a plan to reach them. Remember, delaying until 2025 means starting a year later. Irrespective of your age, consider embracing at least one of the following resolutions.

I resolve to save for a down payment on my first home

Saving for a down payment is the biggest hurdle most firsttime buyers face. Research low down payment loan programs so you know how much of a down payment you need. Check out any available down payment grants or assistance programs that may be

available locally. Figure out what you can cut in daily expenses and put into savings. Skip the daily $5 latte. Check out Colorado’s First-Time Homebuyer Savings Account (FHSA), which can help you save for a down payment: coloradorealtors.com/fhsa/ I resolve to buy my first home

Once you have the down payment ready to go, it’s time to buy your first home. Meet with a local mortgage lender and determine a price range you can afford for a home. If the lender identifies qualifying or credit issues, work on a plan to resolve those. Get pre-approval from the mortgage lender first before meeting with your Realtor® to see what homes are available in your price range.

The homeownership rate in the U.S. in 2023 was 66%. From this figure, you can see that a large percentage of people never own their own home. Nevertheless, according to a National Association of Realtors® (NAR) study in 2023, the average homeowner wealth was 40 times that of an average renter.

I resolve to move up to my next home

As the old saying goes, “Life Happens,” which means sometimes you need a bigger house or one in a different location. If you’re expecting to search for a new home this year, contact your mortgage lending professional and your Realtor. You can learn how much you can spend on a new home, and whether you or not you will need to sell your old

JANUARY 5-6, 2024

home to buy the next one. If you can keep the old home and rent it out, you have already achieved the resolution below.

I resolve to buy my first rental property

As stated above, the homeownership rate in the U.S. is 66%. This means that substantially fewer people own their own home AND own a rental property. I could not find a statistic showing exactly how many Americans own both a primary residence and a rental at the same time, but I’m confident that it’s a pretty low percentage. However, owning a second property can be a significant source of wealth building.

If you can keep your old house as described in the last resolution, you’re on your way to fulfilling this resolution. To acquire your first rental property, you might be able to refinance your old home to pull cash out for a down payment on a new residence. Then you can rent the first house and use a low-down-payment, owner-occupied loan to buy the new property.

If this is not possible, check into investment property loans and get pre-approved for a loan to buy a rental property. Check to see how much down payment is required. It’s usually 20%.

Most people don’t like to own a rental because they don’t want to be a landlord. Research companies that can professionally manage your investment property. This will make

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you a much happier rental property owner.

I resolve to pay down my mortgage

People have different goals regarding their mortgages. Some homeowners aim to fully own their homes by the time they retire, while others prioritize building equity to secure a larger down payment for their next property. Notably, in the U.S., we stand among the select nations offering 30-year mortgages.

The argument for keeping your mortgage for 30 years is that towards the end of the term, you are paying it off with cheaper, inflated dollars. There is also an argument to keep the balance high for tax deductibility and use the proceeds from a mortgage to invest in other things. For those prioritizing swift mortgage repayment, numerous acceleration techniques exist to expedite the process, and consulting with a financial planner can guide these decisions.

I resolve to build a real estate investment retirement plan

I once heard a saying that captures a universal truth: “We spend our youth creating wealth, then we spend our wealth creating youth.”

Reflecting on it, this statement holds so much validity! Having three family members residing in senior communities here in Boulder, I’m struck by the significant wealth required in the later stages of life to

sustain housing and medical needs.

Owning real estate offers a silver lining; property values consistently rise, and rental income continues to grow, providing essential support during retirement years. As mentioned earlier, many Americans don’t possess both a home and a rental property, let alone a diversified real estate portfolio. However, a feasible real estate investment plan need not be extensive to yield benefits. For instance, purchasing a rental property every two years over the next decade can gradually build a substantial foundation.

Imagine having five mortgage-free rental properties by the time you retire – an impressive nest egg that could cater to your needs as you age. This strategy showcases how real estate, even in smaller steps, can effectively work for your financial future.

I resolve to invest in real estate using IRA funds

It’s been possible to invest in real estate using IRA funds since 1978.

Most Americans don’t know that, let alone know how to do it. Many CPAs aren’t familiar with the process either. Investing in real estate in your IRA allows you to let real estate values and income grow taxfree, helping grow your retirement account faster.

I resolve to get my estate plan in order

As I said in the beginning, there is a

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resolution on this list for everyone regardless of age. If you have created real estate wealth, it is important to figure out what happens when you are gone. Meet with an estate planning attorney and make your wishes known. Even the great musician, Prince, died with a $300 million estate and had no will. A little planning makes it easier for everyone!

Get time on your side

The younger you are when you start acting on any of these resolutions, the better. When I started selling real estate in 1978, Baseline Subdivision houses in Boulder were selling for under $30,000. Today, they start around $750,000. Not exactly a getrich-quick, fix-and-flip TV story, but an undoubtedly strong investment.

Have conversations with your Realtor, mortgage lending specialist, and financial advisor. Collaborate on a plan and take action right away!

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.

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 duaneduggan@boulderco.com, call 303.441.5611 or visit boulderco.com.

HELOC and home equity loan rates (continued) HELOCs, in particular, are adjustable-rate loans that mirror Federal Reserve policy. They often come with a very low introductory rate. Connexus Credit Union in late December, for instance, was advertising introductory HELOC rates of 5.99% — a full 4 points below the national average at that time.

McBride expects the Fed to cut rates twice in 2024, but for HELOC rates to drop more dramatically.

“A decline in HELOC rates will be spurred primarily by Fed rate cuts,” says McBride, “but declining mortgage rates and ongoing economic growth will bring about

more introductory rate offers on HELOCs, so the average HELOC rate will be down more substantially than two Fed rate cuts would indicate.”

If you’re thinking of opening a HELOC, you might wait for lenders to start dangling sweeter deals next year. Meanwhile, if you’ve got a HELOC at 9% or 10%, 2024 could be a good time to refinance to a lower rate.

Americans collectively held nearly $33 trillion in home equity as of the third quarter of 2023, according to the Federal Reserve.

“The average homeowner with an outstanding home equity line

is not going to see their rate go down that much. Their rate will mimic whatever the Fed does,” says McBride. “Existing borrowers should be on the lookout for lower rate and introductory offers as it could present an opportunity for homeowners to refinance a HELOC rate still stuck in double digits.”

Home equity loans: Less to get excited about

Home equity loan rates in 2024 won’t see as much of a decrease as HELOC rates, according to McBride.

“Rates for home equity loans, the

less popular fixed-rate installment loan alternative to a HELOC, will see modest declines in 2024, tilted toward the back half of the year,” says McBride.

Still, this type of loan could make sense for you if you know exactly how much you’ll need and can score a below-average rate. Ultimately, a second mortgage remains a highercost form of debt — for now.

Visit Bankrate online at bankrate. com. ©2024 Bankrate.com.

Distributed by Tribune Content Agency, LLC.

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REAL ESTATE

Get a jump on 2024: Stop wasting money on household expenses As we usher in a new year, our focus turns to making improvements and ensuring a better future.

In the wake of a challenging 2023, one TOM significant KALINSKI concern for consumers remains the rising cost of living, particularly in housing. Mortgage rates soared, surpassing 7%. Home prices also rose, defying the typical behaviors when higher interest rates put downward pressure on prices.

With the increase in monthly mortgage payments, saving on other expenses has reached a new level of importance.

In the spirit of being better positioned for a productive new year, here’s a look at how to trim your household expenses with insights from Houselogic.com and Consumer Reports.

Opting for DIY instead of a contractor

While professionals are essential for certain tasks, many smaller and simpler household repairs can be made by do-it-yourself (DIY) methods. For example, when the water in your toilet runs instead of automatically shutting off, the fix could be an Internet search away.

How-to videos are plentiful, with easy-to-follow explanations and first-hand demos of making a repair.

One video on fixing a leaky toilet explains the cause could be the fill valve or the flapper and shows how to determine which it is and how to fix either one. By doing it yourself (DIY), you could save hundreds of dollars.

Skip the extended warranty

Most major appliances come with a 90-day warranty. Purchasing with a major credit card often doubles the standard warranty, reports HouseLogic.com. Plus, most products don’t break when they are under warranty. Consumer Reports

With the increase in monthly mortgage payments, saving on other expenses has reached a new level of importance.

analysis confirms that products rarely break during the typical extended warranty period of two to three years.

Reconsider buying new, feature-rich appliances

While the fun new features on the latest appliances can be tempting, sticking with your functional existing appliance is more economical and environmentally friendly. If replacement is necessary, opt for energy-efficient devices labeled with the blue ENERGY STAR® symbol, endorsed by the U.S. Environmental Protection Agency (EPA).

If a new cooktop and range are in your future, consider appliances with induction technology. The heating process is significantly more efficient and faster with more precise temperature control, according to energystar.gov.

Optimize your laundry routine

Clothes-washing is a resourceintensive chore, but adopting certain practices can help you save energy and water. Consumer Reports suggests several modifications to laundry routines, including reducing the amount of laundry detergent, opting for the cold-water cycle instead of hot or warm, washing full loads rather than small loads, using

high spin settings, and utilizing the dryer’s auto sensor feature instead of the timed dryer setting.

Switching your light bulbs

Switching from incandescent bulbs to light-emitting diodes (LED) is an energy-efficient and inexpensive change. Ease the expense by replacing bulbs as they burn out.

LED bulbs cost more to purchase, but they can last a decade or more, so you can recover the typical bulb cost in less than six months. For an estimated $240 to change the bulbs in your house to longer-lasting LEDs, you could save $200 a year on your utility bill, according to a recent study from Reworking America and

private mortgage insurance (PMI).

The cost of your PMI varies, but Freddiemac.com says it costs between $30 and $150 per month for every $100,000 borrowed.

There are pathways to eliminating PMI. The Federal Homeowners Protection Act enables you to get automatic PMI termination at specific home equity milestones or request the removal of PMI when you reach 80% home equity. In fast-appreciating home markets like the Boulder and Denver metro areas, when your home value rises to a sufficient level, you will have the 80% home equity needed to request termination of your PMI. By adopting the saving strategies listed, you can proactively cut down on household expenses and work toward a more financially beneficial start to 2024.

Read more at houselogic.com/ organize-maintain/homemaintenance-tips/wasting-money and consumerreports.org/ video/view/appliances/laundry/ 3744279760001/6-laundrymoney-wasters Tom Kalinski is the broker/owner of RE/MAX of Boulder, the local residential real estate company he established in 1977. He was inducted into Boulder County’s Business Hall of Fame in 2016 and has a 40-year background in commercial and residential real estate. For questions, e-mail Tom at tomkalinski33@gmail.com, call 303.441.5620 or visit boulderco.com.

Get rid of your storage unit

You can eliminate unnecessary storage rental by getting rid of stuff you rarely use or no longer need instead of storing it. By parting with these items, you could save $20 to $450 per month on rental costs.

Optimize space within your home by finding creative storage solutions, such as utilizing under-bed storage or furniture with built-in storage.

Eliminate private mortgage insurance

If you put less than 20% down on your home, you probably have

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SAVE THE DATE! Raised in the Rockies is the leading source for reaching parents, inspiring with local content. Our Summer & Camps Guide and Fair will showcase fun summer camps, LAFAYETTE YMCA 2800 DAGNY WAY FAIR: SAT., FEB. 10 10 a.m. to 2 p.m. activities and FREE ADMISSION classes throughout RESERVE YOUR AD AND YOUR BOOTH BY JANUARY 11! Boulder County and Call 303.473.1400 or e-mail j9@dailycamera.com To submit a summer camp listing, visit RaisedInTheRockies.com/summer-camp-submissions Northern Colorado.

Raised

12

Just off of the Corner of N. 95th Street and Arapahoe Road in Lafayette

JANUARY 5-6, 2024

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| AT HOME

13

HOME

Do you have a mold problem in your home?

If your family seems to be sneezing and wheezing more than they should be, suspect a mold problem in the home. Physical symptoms of a mold infestation ROB mimic those of PROCTOR allergies and the flu, with headaches and asthma as common complaints.

What is mold?

Molds are microorganisms that use enzymes to break down and digest dead plants and animals. If conditions are right in your home – a moist environment is ideal – molds can get a toehold and not only make the human occupants of the home ill but destroy housing materials such as drywall, wood and fiberboard as well.

7 4.0

R AC

Mold can not only make the human occupants of the home ill but also destroy housing materials such as drywall, wood and fiberboard as well.

How can I tell if I have mold in my house?

Aside from the physical symptoms of mold exposure, mentioned above,

Offered at $1,800,000 MLS #999032

ES

39343 Hilltop Cir, Severance Listed by Robin Steffens

970-372-7490 robin.nocohomes@gmail.com robinsteffens.homesincolorado.com

Meticulously maintained one owner home in gated community of Belmont Farms offers 4 bedrooms, 6 baths. This private oasis sits on 4.07 acres and boasts beautiful views of the Rocky Montains. Call for a priates showing.

As someone over the age of 50, your needs aren’t the same as a first-time home buyer or seller. Whatever reason you may have for considering a move, you can depend on an SRES® to guide you through every part of the process.

As a Se eniors Real Estate Specialist® (SRES®) I ca an help you move with confidence!

ROB PROCTOR

Broker/Owner, GRI, SRES®, e-PRO, Realtor At Home Real Estate Company www.AtHomeRealEstateCo.com

(970) 481-2133

the following are telltale signs of a mold infestation: Odor: Mold has a very distinctive odor. If you detect a musty smell, you probably have a mold problem.

Appearance: Mold grows in many different colors, from black to white and many colors in between. It also appears in different shapes. Some are thread-like while others may appear as clusters of black spots.

Excess moisture: If you’ve had any problems with excess moisture in the home the chances are good that you may have mold. Peeling paint or wallpaper, stains on the ceiling and bowed or bulging walls are indications of moisture intrusion.

What to do if you find mold in your home

When you find mold, the first step is to find and eliminate the source of the moisture in the home.

Then, remove the mold.

Removal from hard surfaces can

be accomplished by cleaning them with a solution of 1 cup of bleach in 1 gallon of water, according to the Centers for Disease Control.

If the area to be cleaned is larger than 10 square feet, the CDC recommends consulting their guide Mold Remediation in Schools and Commercial Buildings. Although it focuses on schools, the information can be applied to any building.

Ventilate the home adequately and use an air-conditioner or dehumidifier during humid months to prevent mold from forming in the future.

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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ATHOMECOLORADO.COM

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| AT HOME

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

O

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 1 Farmstead

Builder: Sage Homes

2 Rose Farm Acres

Builder: Richmond American

3 Heron Lakes –

TPC Colorado Builder: Landmark Homes, Lifestyle Custom Homes, Toll Brothers

BOULDER 4 Velo Condos

Builder: Thistle Velo LLC

BROOMFIELD 5 Baseline Colorado

Builders: Boulder Creek Neighborhoods, Meritage Homes, Thrive Home Builders

6 Vive on Via Varra

Builder: Meritage Homes

11 Erie Highlands

Builder: Oakwood Homes

12 Erie Village

Builder: Porchfront Homes

13 Flatiron Meadows

Builder: KB Home, Taylor Morrison, Toll Brothers

14 Morgan Hill

Builder: Lennar

15 Rex Ranch

Builder: Taylor Morrison

16 Westerly

Builder: McStain Neighborhoods, SLC Homes, Wonderland Homes

Builder: Lennar

27 Avalon Meadows

Builder: Von’s Colorado Concepts

28 Silo

Builder: Cornerstone Homes

29 Silver Creek

Builder: Markel Homes

LONGMONT 30 Highlands at Fox Hill

Builders: Dream Finders Homes, Landmark Homes

LOUISVILLE

18 Barefoot Lakes

33 North End

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

FREDERICK 19 Seasons at Silverstone

Builder: Richmond American Homes

GREELEY 20 Northridge Trails Townhomes

Builder: Hartford Homes

21 Promontory

Builder: Journey Homes

22 Park House

9 Compass

41 Downtown Superior

Builder: Markel Homes

FIRESTONE

7 Coal Creek Commons

Builders: Boulder Creek Neighborhoods, KB Home, Richmond American

26 Blue Sage

32 Terry Street Townhones

Builder: Lennar

JOHNSTOWN

8 Colliers Hill

SUPERIOR

17 Wild Rose

ERIE Builder: Century Communities

LAFAYETTE

Thompson River Ranch Builder: Oakwood Homes

23 The Ridge

Builder: New Leaf Properties

Builder: Markel Homes

LOVELAND

43 Lanterns at Rock Creek

Builder: Boulder Creek Neighborhoods

44 Montmere at

Autrey Shores Builder: Koelbel

45 Rogers Farm

Builder: Boulder Creek Neighborhoods

TIMNATH 46 Harmony

Builder: Landmark Homes

47 Serratoga Falls

Builder: American Legend Homes, Richmond American Homes

35 The Enclave at

49 Trailside

36 Eagle Brook Meadows

50 Wildwing Patio Homes

Mariana Butte Builder: American Legend Homes

Builder: Bridgewater Homes, Challenger Homes

37 The Lakes at Centerra

Builder: Bridgewater Homes, Landmark Homes, KB Home

38 Kinston at Centerra

Builder: Richmond American Homes, Dream Finders Homes

MILLIKEN

24 Pintail Commons at Johnstown

40 Sunfield

Builder: Baessler Homes

Builder: Toll Brothers

48 Timnath Lakes

Builder: Glen Homes

39 Brookstone

25 Mountain View

42 Heights at Downtown Superior

34 The Enclave at Dakota Glen

at Johnstown Builder: Bridgewater Homes Village Builder: Richfield Homes

Builder: Thrive Home Builders, Remington Homes

Builder: Windmill Homes Builder: Windmill Homes

Builder: Toll Brothers Builder: Wonderland Homes

Builder: Hartford Homes

WINDSOR 51 Country Farms Village

Builder: Landmark Homes

52 Greenspire

Builder: Windmill Homes

53 RainDance

Builder: American Legend Homes, Hartford Homes, Wonderland Homes

54 Seasons at

Hunters Crossing Builder: Richmond American Homes

55 Vernazza

Builder: Landmark Homes

56 Village East

Builder: Journey Homes

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AT HOME |

JANUARY 5-6, 2024

ATHOMECOLORADO.COM

DESIGN RECIPES

Seasonal design

By Cathy Hobbs Tribune News Service (TNS)

décor, a great place to start is with an inspiration. An inspiration can be a previously designed space, a specific piece of furniture or art or even a travel destination that inspired you. Upon selecting an inspiration, allow your intuition to be your guide. Evaluate those elements that inspired you, whether its color, design or architecture.

In designing a space, one place to start is to be inspired by a season. A seasonal inspiration can allow for a springboard to a design especially as it relates to color. Seasonal design can also allow an opportunity to transition or rotate your décor throughout the seasons.

In the winter, we often think of colors such as white and taupe that seem to mimic the wintry weather, while in spring we typically see a shift to more fanciful and playful colors that are bright and friendly such as yellows and pinks. In summer, in some geographic areas there is a focus on natural elements such as beaches and oceans, with a gravitation toward blues and soft greens. In fall we a see a shift to warm colors such as red, orange and deep yellow.

Getting Started

After you kick-start your design with inspiration, build upon your design by incorporating a selection of similar elements. In general, colors that are tints, tones and shades of the same color will blend well together as will colors that are complimentary on a color wheel.

Fall

Fall is a season that is typically associated with warm colors. These colors are typically “fire” colors such as red, orange, yellow and even brown. In décor, these warm colors can help to add a sense of coziness to

Where to begin

Before you purchase furniture or

a space. These colors work especially well in large, cavernous rooms and spaces in which the goal is to make a space feel less cavernous and homier and more comfortable.

Winter

Winter is a time when, in many instances, the climate is dominated by cold, snowy nights and shortened darker days. Colors such as white, taupe and light gray can help a space feel brighter. This is also a great time to add and incorporate extra light into a space as well.

A white-on-white color scheme creates a winter white color story. .

(Photo: Scott Gabriel Morris/TNS).

Summer

Spring

Summer is typically a time when thoughts of sun, sand and beach come to mind. Nautical elements and textured materials also blend with water inspired colors such as blue and green.

This is the time of year when bright, playful colors dominate.

Vibrant colors in a space can help to uplift a space and even help to make a space feel “happier” and more inviting. Spring colors can be fanciful like hot pink and cotton candy blue or more subdued such as pastel colors such as pink, yellow and mint green.

Cathy Hobbs, based in New York City, is an Emmy Award-winning television host and a nationally known interior design home staging expert and short-term rental/vacation home designer with offices in New York City and The Hudson Valley. Contact her at info@cathyhobbs.com or visit her website at cathyhobbs.com.

UNDER CONTRACT! 907 44th Ave. Ct., #16 $254,500

Real·tor

Start the new year in this charming townhome. Great end unit features new laminate flooring, new carpet, and new interior paint.

2 bedrooms, 2 baths, 2 car carport.

noun

An expert who will search for your dream home. you one. And then volunteer in your Help neighborhood to make it better. Ask your home search app to do all that.

Real Estate

Loni L. Ferrier, REALTOR® 970-689-1192 loniferrier@comcast.net www.loniferrier.homesandland.com

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, restaurants, and entertainment.

REALTORS® are members of the National Association of REALTORS®

Offering 1, 2, and 3 bedroom apartments.

BOLO REALTORS Working for You! ®

418 Emery St. Longmont • (303) 772-6452

JANUARY 5-6, 2024

ATHOMECOLORADO.COM

| AT HOME

17

OPEN HOUSES QUICK GUIDE TO AREA OPEN HOUSES BOULDER 4634 Burgundy Lane, #3 $745,000 Sat., 11 a.m.-1 p.m.

Roz White WK Real Estate (720) 564-6017 4525 13th St., #4A $899,900 Sun., 11 a.m.-1 p.m.

Nick DiDomenico WK Real Estate (303) 880-6495 1626 North St. $1,595,000 Sun., 1-3 p.m.

Karolyn Merril RE/MAX of Boulder (303) 441-5642 30 Ridge Road $1,989,500 Sat., 11 a.m.-1 p.m.

The Bernardi Group The Bernardi Group (303) 402-6000 225 Bristlecone Way $2,400,000 Sat., 1-3 p.m.

Craig Peterson

WK Real Estate (303) 913-7594 3816 Cloverleaf Drive $2,995,000 Sat., 12-2 p.m.

Jenny Oliveira Getting WK Real Estate (970) 534-1188 BROOMFIELD 17367 Drake St. $750,000 Sun., 11 a.m.-1 p.m.

Heather Schwartz WK Real Estate (303) 594-5233 GUNBARREL 4341 Pali Way $1,295,000 Sun., 1-3 p.m.

Patrick Dolan RE/MAX of Boulder (303) 441-5642 7299 Mount Sherman Road $1,675,000 Sun., 1-3 p.m.

Natasha Hubbard RE/MAX Alliance (303) 909-3810

LAFAYETTE

LYONS

2835 Clear Creek Lane $1,025,000 Sat., 11 a.m.-1 p.m.

The Bernardi Group The Bernardi Group (303) 402-6000

358 Deer Lane $775,000 Sun., 12-2 p.m.

Natasha Hubbard RE/MAX Alliance (303) 909-3810

LONGMONT

NEDERLAND

841 Crisman Drive, #7 $315,000 Sat., 11 a.m.-1 p.m.

Natasha Hubbard RE/MAX Alliance (303) 909-3810

283 Ponderosa Way $615,000 Sat., 11 a.m.-1 p.m.

Josh Harrod RE/MAX Alliance (303) 517-1763

1228 Fordham St. $689,000 Sat., 11 a.m.-2 p.m.; Sun., 11 a.m.-1 p.m.

Duane Caraballo RE/MAX Alliance (720) 371-8629

SUPERIOR

1044 Champion Circle $695,000 Sat., 11 a.m.-1 p.m.

Kit Magley RE/MAX Alliance (303) 775-5177

403 W. William $1,749,000 Sun., 1-3 p.m.

Kelly Atteridg RE/MAX of Boulder (303) 441-5642

405 W. William $1,699,000 Sun., 1-3 p.m.

Kelly Atteridg RE/MAX of Boulder (303) 441-5642

To view all open houses or to list your home listing, visit openhomes.athomecolorado.com

Wendy Conder

FEATURED AGENT PATRICK DOLAN RE/MAX of Boulder 303-441-5642 patrickdolanteam@gmail.com Read Patrick’s At Home profile at:

http://athomecolorado.com/patrickdolan

Let’s discuss your real estate goals today!

An Experienced Real Estate Agent You Can Trust When it’s Time to Buy or Sell Your Home.

WENDY CONDER

303-775-0108 • wendy@wendyconder.com

AT HOME |

18

REAL ESTATE TRANSACTIONS The following Northern Colorado home sales were supplied by Colorado Weekly Homebuyers List., 303.744.2020.

Listed are the buyer, the property and the amount.

AULT •

Oscar Saucedo -- 204 Gila Trail, Kevin & Jenna Mason, $435,000.

BROOMFIELD •

• • • •

BERTHOUD • •

Ivy & Edgar Torres -- 1111 Spartan Ave., Peakview Homes Inc, $462,000.

Cody Alexander -- 2042 Tabor St., Mark A Poll, $547,000.

BOULDER • • • • •

• •

• • • •

Noah Warshaw -- 4730 Holiday Drive Unit 102, Taylor Kravits, $214,600.

Rebecca Biter -- 3674 Silverton St. Unit B, Dawn Lowan, $224,600.

Alan Watkins -- 2301 Pearl St. Apt 69, Heh 2301 Pearl Street LLC, $302,500.

Emily Loker -- 2201 Pearl St. Apt 225, Trevor & Elizabeth Seelye, $445,000.

Christina & Siv Montgomery -- 4745 Greylock St., Weldon & Doris Montgomery, $700,000.

Mary Best -- 815 Alpine Ave. Apt 4, Jane C Oliverio, $710,000.

Richard & Debora Born -- 4135 Moorhead Ave., Michael & Elisabet Dickinson, $805,000.

Aditi Bhaskar -- 3610 Emerson Ave., Ball Records Trust, $1,088,000.

Nick & Adriana Bryant -- 93 Pine Needle Road, Maria & Ricardo Schulz, $1,330,000.

Robert & Tarryn Humphries -- 564 Locust Place, India H. Wood, $1,530,000.

Alec Iacono -- 619 Quince Circle, William & Julianna Obeid, $1,850,000.

BRIGHTON •

JANUARY 5-6, 2024

ATHOMECOLORADO.COM

Samuel & Grethel Pernilla -- 1637 Ute Way, John & Amanda Middlebrooke, $487,500.

•

Steven & Barbara Zahlen -- 1110 Cholla Lane, Steven & Steven Orenstein, $368,000.

Thomas Brewster -- 1116 Fern St., Cynthia Rodriguez, $540,000.

Adam & Kathleen Scaturro -- 160 Agate Way, Michael & Jessica Bright, $555,000.

Timothy Moore -- 12583 Alcott St., Imago Holdings LLC, $565,000.

Christopher Poliquin -16686 Umatilla St., Meritage Homes Colo. Inc, $583,000.

Alex Janousek -- 13833 Del Corso Way, Meritage Homes Colo. Inc, $645,000.

DACONO • •

Kala Bruce -- 5640 W. View Circle, Richard & Janna Bennett, $450,000.

Justen Powell -- 520 Marquiss Court, Joseph Nuanes, $525,000.

•

ESTES PARK •

Ron & Lisa Starkey -- 444 Magnolia Court, Kyle & Lyndsey Michaelis, $445,000.

ERIE • • •

•

•

• • •

Olga Carballo -- 515 Grenville Circle, Opendoor Property Trust I, $605,000.

Jeremy & Holly King -- 100 Solstice Way, Kwonghon Chow, $745,000.

Tomas Merrydelval -- 770 Split Rock Drive, Richmond Am Homes Colo. Inc, $765,100.

Sean Kellyvanhemelryck -- 746 Split Rock Drive, Richmond Am Homes Colo. Inc, $770,600.

Kathryn & Steven Johnson -- 874 Quarry Circle, Boulder Creek Colliers LLC, $825,000.

Kelly Smith -- 956 Sundance Lane, Matthew & Amy Goff, $900,000.

Craig Emter -- 682 Sundance Circle, Christopher & Caroly Martens, $985,000.

Laura & Elliott Russell -- 1062 Red Iron Court, Taylor Morrison Colo. Inc,

Diego Lopez -- 1625 High Drive, Gerry & I Dougherty, $510,000.

EVANS • •

Wilf Ingersoll -- 4026 Partridge Ave., Paul Cain, $90,000.

Jayden Hanson -- 2111 35th St. Court, Rutherford Inc, $390,000.

FORT COLLINS •

• • •

EATON •

$1,087,400.

Michael Zackoff -- 1786 Chestnut Ave., West One LLC, $1,344,500.

•

• •

• • • • •

• •

William & Cynthia Meese -- 881 Sunchase Drive, Tadeusz & Dorota Kozak, $230,000.

Sylvia Dorato -- 5512 Tripp Court, Jennifer & Scott Oliver, $385,000.

Michael & Mary Gormley -6417 Orbit Way, Elizabeth & Zachary Lewis, $399,900.

Caleb Carlson -- 404 Tedmon Drive, Lauren Domingo, $470,000.

Alexess Nelson -- 2654 Covington Court, Eric & Carolyn Biedermann, $491,200.

Jan Sutton -- 2312 Suffolk St., Elizabeth Anne Mayes, $497,000.

Andrew & Jessie Hockett -- 439 Haven Drive, Leroy Brandon Stuerke, $499,000.

Shelby Poynter -- 1601 Lakeridge Court, Renae Denise Rieder, $510,000.

Joseph Wimmer -- 712 Bramblebush St., Jeffrey & Susan Bricker, $511,000.

Kandis Mcauliffe -- 1739 Foggy Brook Drive, DFH Mandarin LLC, $526,900.

Erin Williams -- 515 Edwards St., Lorna Karolyn Hunt, $595,000.

Howard & Venus Atwell -- 6039 Croaking Toad Drive, DFH Mandarin LLC, $620,000.

Tzachi & Noa Zidenberg -- 6213 Compton Road, Douglas L. Null, $650,000.

Shane Craig -- 4501 Seaboard Lane, Craig & Nancy Ferris, $675,000.

• • •

• •

• •

•

Lauren Domingo -- 226 N Mckinley Ave., Taliesen LLC, $745,000.

Taylor & Jennifer Beairsto -- 1512 Emigh St., Allegra R. Lyon, $747,500.

Mitchell & Kerry Greeno -- 2902 Gangway Drive, Bridgewater Homes LLC, $796,800.

James & Patricia Carter -1917 Seminole Drive, Karen M. Boehler, $901,000.

Krista & Cesar Flores -6318 Falcon Ridge Court, Alex & Andrea Markovic, $957,000.

Hugh & Holley Arvesen -7406 Greenstone Trail, Roy & Sonja Space, $1,100,000.

Patrick & Jennifer Attkisson -- 1916 Navajo Drive, Carter & Amanda Miller, $1,175,000.

Nancy Sheppard -- 4020 Bingham Hill Road, Joseph & Jennife Sullivan, $3,485,000.

FORT LUPTON • • • • •

James Martinez -- 940 Gianna Ave., LGI Homes Colo. LLC, $464,900.

Lelan Kartes -- 1050 Gianna Ave., LGI Homes Colo.

LLC, $467,900.

Stevie Hearon -- 16412 Higgins Ave., David M. Wooten, $480,000.

Kailey Ramer -- 16377 Coleman Ave., Jesse A Campbell, $535,000.

Timothy Werkmeister -10447 County Road 25 1/2, Laurie D Harris, $557,000.

FREDERICK •

• •

Adina Nagel -- 6115 Louisville Court, Richmond Am Homes Colo. Inc, $435,000.

Caine Shunk -- 6736 Fraser Circle, Michael L. Bielinski, $500,000.

Tyler & Virginia Claus -7329 W. Big Thompson Circle, LGI Homes Colo.

LLC, $517,000.

GREELEY • •

Devin Cummins -- 3405 W. 16th St. Unit 90, Eric G. Youngman, $287,000.

Kirstie Trujillo -- 2732 W. 25th St. Road, Richard Larry

JANUARY 5-6, 2024

• •

•

• • • •

Smith, $338,000.

Guy Donaldsonin -- 1602 16th St., Justin Oliver, $350,000.

Geovanny Castanedafregoso -- 4861 Kings Canyon Drive, Jan M. Pettit, $375,000.

Dylan & Kimberly Walker -- 2615 25th Ave., Armando & Jennifer Flores, $405,500.

Harris Stotts -- 515 41st Ave., H7r7 LLC, $437,000.

Jeremiah & Karla Wageman -- 4924 W. 6th St., Hang Hernandez, $477,000.

David & Eusebia Almaraz -- 2338 77th Ave., Mervin & Olga Peachey, $520,000.

Ashley Honeyman -4545 Kiowa Drive, William & Dorothy Rodman, $1,050,000.

JOHNSTOWN • •

Dennis & Terrie Ray -- 2597 Elk Lane, J.J. Constr Northern Colo. LLC, $485,900.

Joseph Sestak -- 3042 Brunner Blvd., Rocky Mount Invest Group LLC, $661,900.

KEENESBURG •

Steven Schwartz -- 309 Thomas Ave., Joseph Gallegos, $280,000.

ATHOMECOLORADO.COM

LONGMONT • • • •

•

•

• •

•

•

•

KERSEY •

Sarah Larahernandez -23773 County Road 57, Roberto & Raquel Lara, $350,000.

• •

LA SALLE •

Sam Morrison -- 309 N 4th St., Chelsey A Demary, $345,000.

LAFAYETTE • • • •

Paula Moore -- 207 Remuda Lane, Marianne E Nick, $473,500.

Annal & Pooja Shrestha -- 644 Acorn Place, Lennar Colo. LLC, $560,000.

Emily Reddick -- 2472 Concord Circle, Carol Laurie, $565,000.

Brett & Lois Davis -- 2842 Falcon Pt, Samantha G Fladd, $849,900.

• • • • •

•

Wendall Platamone -- 1835 Corey St., Lisa M. Boyd, $425,000.

Christopher Mehring -10675 Upper Ridge Road, Mireya Ramirez, $439,000.

Javier Escalante -- 2131 Steele St., William C Baker, $449,000.

Lauren Feiman -- 370 High Pt. Drive Apt D104, Highlands Foxhill Homes LLC, $462,400.

Samuel Walberer -- 807 S. Pratt Parkway, Andrew & David Bridgeman, $480,000.

Elizabeth & Gary Ehrhardt -- 828 Serenity Lane, Jacqueline S. Zimmerman, $508,000.

Daniel & Mary Harrison -- 928 Lilac St., Yvonne R. Lovato, $515,000.

David Delozier -- 255 High Pt. Drive Apt G208, Highlands Foxhill Homes LLC, $518,800.

Benjamin & Lindsey Thomas -- 1406 Paramount Place, Amanda L. Walters, $530,000.

Edward Decrescenzo -- 1257 Fall River Circle, Yolanda & Lisa Marshall, $531,000.

Timothy & Kelley Sullivan -- 166 High Pt. Drive, Highlands Foxhill Homes LLC, $533,700.

Lavinia Darato -- 427 Thistle Place, Kevin & Erica Kirsch, $543,000.

Charles Laufert -- 2548 Cambridge Drive, James Brian Sasse, $587,000.

Samuel & Kylie Kemp -- 1060 Purdue Drive, Wendell E Evert, $590,000.

Jorge Navarrete -- 2905 Hidden Brook Place, DFH Mandarin LLC, $650,000.

Ryan Kiefer -- 1305 Spruce Ave., Geraldine & Thomas Walther, $700,000.

Catherine Woods -- 2411 Provenance St., Amanda Lee Scanlon, $785,000.

Tammey & Kyle Scarborough -- 320 Crestridge Lane, Peter & Laura Morreale, $1,200,000.

Michael & Isabelle Goulder -- 719 Longs Peak Lane,

Hba Joint Venture LLC, $1,200,000.

• • •

Janette Hope -- 304 Owl Drive, Wendy Bohling, $530,000.

Kimberly Strong -- 209 Matchless St., Jane Uitti, $620,000.

James Sunshine -- 648 Mead Court, Steven & Lynda Noakes, $815,500.

Young Minn -- 1084 Maria Lane, Ioannis Pavlidis, $850,000.

LOVELAND • • • •

• •

• •

Carol Johnson -- 926 White Elm Drive, D.F. Home Solutions LLC, $437,500.

Jason & Linda Alvine -- 545 E 11th St., Kimberly Shefferd, $465,000.

Dillon & Reece Dewitt -2821 Lotus Place, Kevin & Teresa Oneil, $470,000.

Ronald & Patricia Dahl -- 2435 White Pelican Ave., DFH Mandarin LLC, $470,000.

Clark & Paula Harris -- 351 Tiabi Court, Gerald E Pinn, $527,500.

Caleb & Amanda Olson -- 2483 Cottongrass Ave., DFH Mandarin LLC, $540,000.

Paul Cuddon -- 1750 Bonny Drive, Maxwell Dryden Trust, $650,000.

Mitchel Brown -- 2563 Bluestem Willow Drive, Luke & Jamie Stucker, $915,000.

• •

•

Jamie & Aaron Macarthur -2074 Chianina St., Bruce & Danill Bennett, $531,000.

Robert & Michelle Greger -- 2183 Angus St., David & Carrie John, $575,000.

MILLIKEN •

•

Austin & Savannah Thompson -- 918 S. Depot Drive, Leticia Aguilar Benegas, $490,000.

Geoffrey & Elizabeth Preece -- 1970 Lotus Drive, Jeremy & Melissa Johnson, $535,000.

Joshua Cullip -- 948 Milner Pass Road, Journey Homes LLC, $422,800.

Jared & Kelsey Lehar -- 184 Haymaker Lane, Dynamic Homes Colo. Inc, $670,900.

SUPERIOR • • •

Michael Lewis -- 1980 Shamrock Drive, Janet Kramer, $350,500.

Esteban Yunis -- 1831 Alma Lane, Brian & Linda Ehlers, $980,000.

Demian & Lauren Costa -- 3111 W Torreys Peak Drive, Onkar & Jaimini Birk, $1,550,000.

TIMNATH • •

•

Emily Lee -- 5482 Euclid Drive, Lennar Colo. LLC, $460,000.

Cynthia & Jimmie Fine -5223 Cloud Dance Drive, Mark & Brenda Robinson, $775,000.

John & Patricia Temple -- 4167 Prestwich Court, Brannen Design Constr Inc, $1,994,000.

WELLINGTON • • •

MEAD •

19

SEVERANCE

LOUISVILLE •

| AT HOME

Sara Cagle -- 3400 Saratoga St. Unit B., Ty E Graef, $357,000.

Dorota & Tadeusz Kozak -6845 Lee St. Apt 1, Sara J. Vaughan, $367,500.

Ty Graef -- 6513 Coralbell St., Melody Homes Inc, $502,500.

WINDSOR •

•

•

•

Camisha & Samantha Ramos -- 301 Amber Drive, John & Tami Reynolds, $515,000.

Jesus Meraz -- 1655 Chelms Ford Court, Levi & Whitney Mitchell, $572,000.

John & Luanne Haydu -- 1762 Beachside Drive, Th Pelican Shores LLC, $749,000.

Allan & Donald Stavely -- 315 Habitat Cv, Kurzweil Living Trust, $840,000.

20

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