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Colorado Home & Real Estate | AtHomeColorado.com

Coronavirus and Refinancing Your Home

Quick Guide and Featured Virtual Tours

Real Estate: Does Your Home Fit You Anymore?

Top Tips for an Impeccably Tidy Home for Fall

Looking for a home? View comprehensive listings and local open houses and virtual tours taking place across the region.

Maybe your house doesn’t fit you anymore. What to do?

The good news is that you don’t need to move, you just need fresh eyes to multi-purpose existing spaces.

Summer is a good time to get your house in order, especially with the start of the school year approaching fast.

August 7-8, 2020

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REAL ESTATE COLORADO HOME AND REAL ESTATE

CONTRIBUTING WRITERS

Susan Eastman Mary Lynn Bruny Sharon Bokan Tom Kalinski Duane Duggan Rick Jacquemard Cathy Hobbs ADVERTISING CONSULTANTS

Thais Hafer Toni McNeill Mary Romano PAGE DESIGNER

Brian Sathe CREATIVE DIRECTOR, EDITOR

Greg Stone At Home is a Marketing Feature published by the Boulder Daily Camera and Longmont Times-Call. ©2020 Prairie Mountain Media.

ADVERTISE To advertise in At Home or to promote your open house visit AtHomeColorado.com/Advertise, call Thais Hafer at 303.473.1456 or Toni McNeill at 303.684.5329.

SEND US YOUR NEWS

At Home welcomes news tips and articles on local real estate and the home including expert advice, upcoming events, Realtor achievements, community involvement and more. Submit information and articles to: gstone@prairiemountainmedia.com SIGN UP FOR OUR E-NEWSLETTER AT ATHOMECOLORADO.COM FACEBOOK.COM/ ATHOMECOLORADO

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AT HOME COLORADO

Does your home fit you anymore? - Part One Once upon a time, your house was your home and your office was your work place. You’d spend most of the day at the office and your home was for

BY SUSAN escape and to EASTMAN relax. It was Live West Realty small yet efficient.

But in this New Normal, your office may have gone away. You’re home all the time but still need a work space.

Maybe your house doesn’t fit you anymore. What to do?

The good news is that you don’t need to move, you just need fresh eyes to multi-purpose existing spaces. Consider these: a guest bedroom, a workout room, a nook under the stairs, the laundry room, a large hallway, a walk-in closet.

Many can be outfitted with a desk, a chair and storage tools to make a functioning, comfortable office.

“What I’m seeing, now that people have had to spend a lot of time in their home, is that they are noticing things that are right

and wrong about it,” said Barbara Bronk of Barbara Bronk Interior Design in Boulder. “This is a great opportunity to reorganize because many people are not going back to an office.”

Where to start? First, Bronk suggests thinking outside the box to determine what could function as your work area. Look at your rooms not simply as what they have been designed for, but with an objective perspective.

Secondly, define what the space will be used for. Keep the work area focused and specific to allow the rest of the room to continue to function as needed. If it is a guest room, consider replacing the regular bed with a space-saving Murphy bed. If it is a den, reduce some of the furniture. (“I’ve hauled out tons of sofas to create work surfaces,” Bronk said with a laugh.)

Thirdly, make it nicer! Get a comfortable chair, an attractive desk and interesting art for the wall above it. Remove anything in that area that you don’t use or don’t like. Surround yourself with things that speak to you and make you feel good. If there isn’t a space

that can be solely dedicated to a work area – say, the dining room table – use containers, baskets and portable files to keep things tidy and moveable.

Another important consideration is privacy. Are you having Zoom meetings and the mute and video buttons are not an option? Do you need to be able to keep out noisy family activity and the tantrumming toddler? Then your work area should be in a room with a locking door.

Lastly, Bronk recommends fresh paint to recreate the space literally and figuratively. “People need a softer environment around them for their home office, not bold colors. Soothing whites, creams, even whites with a pink tone,” she recommended.

The result? A new work environment to meet this new world’s challenges, one that allows you to be productive, efficient and calm. But if you still need a bigger home?

Susan Eastman is a Realtor with Live West Realty in Boulder.

Call 303.589.6845, e-mail susan@livewestrealty.com or visit www.livewestrealty.com.

REAL ESTATE NEWS

Longmont Association of Realtors® issues statement regarding HUD changes to the Fair Housing Act

(July 31) LONGMONT – The Longmont Association of Realtors® is deeply disappointed with the Department of Housing and Urban Development’s final rule implementing the “Affirmatively Furthering Fair Housing” provisions of the Federal Fair Housing Act. The organization believes the changes threaten to strip away the rule’s original civil rights purpose, mandated in the 1968 law.

Furthermore, the organization asserts the changes significantly weaken the federal government’s commitments to the goals of the Fair Housing Act.

“The Longmont Association of Realtors believes a strong, affirmative fair housing rule is vital to advancing our community’s progress toward a thriving and inclusive community,” said Natasha Hubbard, chair of the Longmont Association of Realtors Board of Directors.

“The COVID 19 pandemic’s disproportionate impact on people of color reminds us of the costs of the failure to address barriers to housing opportunity.

We are committed to ensuring no American is unfairly denied this fundamental right,” Hubbard added.

About the Longmont Association of Realtors® The Longmont Association of Realtors is dedicated to providing services and affiliations to our members necessary to conduct their businesses in an ethical and professional manner. It acts with a united voice for it's members and the public with regard to protecting and preserving the free enterprise system and the right to own, use and transfer real property. They are dedicated to enhancing the public’s awareness and confidence in the organization.

TOUROFHOMESCOLORADO.COM DAILY CAMERA / TIMES-CALL

THE LIGHTER SIDE

Musings about houseplants: From hipster to horrendous

It’s funny it go too far. He use to live alone that certain and was pretty much going feral. houseplants – He had an ivy plant on a window and houseplants ledge inside his shower and let it in general – are grow up his bathroom wall, ceiling now considered and around the shower rod, a in style. Every full on rain forest look. I share creative hipster enough of his slightly kooky genes has a few in their to find this fun and interesting in well-designed a science project kind of way. I’m

BY MARY abodes: usually LYNN BRUNY sure the plant would have made it one in a glass orb into the hallway had my neat-ashanging from the ceiling, a couple a-pin mother not visited and put of structural succulents on table the kibosh on it with a few snips. tops, a fiddle-leaved fig in a corner, “Ruining the walls, for Pete’s sake,” In style succulents make excellent and some vine-y plant tacked to a she said with her pragmatic logic. houseplants. (Photo: Mary Lynn Bruny). wall, usually behind a bed frame.

There are those people who by growing as tall and spindly as I love it all! just can’t let their outdoor potted possible, perhaps hoping the roof I’m sure many readers of a geraniums die at the end of is not actually there. certain age will recall making their summer and instead bring them The geranium and poinsettia own macramé plant holders with inside. These plants usually sit in rescuers fall into the category of jute twine and wooden beads that a southern window, growing like held spider plants or ferns. giant scrawny aliens (because their “those who cannot throw out a plant” people. I use to be one of But for people who have always owners don’t have the heart or these when I was young, until an liked plants, there is never a matter skill to prune them). Yet still these older woman told me to compost of being in or out of style. They’ve hearty plants put out cheerful them and thus know they are always had a bunch around their blooms. Such troopers. feeding another plant. Circle of life home, but the look definitely isn’t Thinking of scrawny plants, and all that. Now come February, modern. Often it’s more of a “you I see a doctor who drags old my leaf-dropping bedraggled have entered a domestic jungle” poinsettias to his office, every year poinsettia joins the fall debris vibe. the collection grows. They too in our compost bin with a little My older brother was into the take over windows and look as vine-y look, but he probably let though they are trying to escape blessing: “Thank you for your fine

service, friend! Vaya con Dios!”

This brings up a side note: Yes, I talk to my plants. Most plant lovers do and are not ashamed to admit it. Studies have proven that this helps plants grow. Studies have also proven that you can find studies to prove whatever you want to have proven. But think of it: If you care enough to talk to your plants, you probably care enough to water them, put them in the right light and notice if they have problems. So it’s not that plants grow better if you talk to them. It’s that if you are a person who takes good care of plants, you may also be a person who talks to them. And yet I still believe my plants like it when I talk to them.

Why let logic get in the way of a good thing?

Perhaps I should tell my spider plant about the new macramé plant holder I’m making for it.

Oh, I best not. The succulents and fiddle-leaved fig may get jealous.

Mary Lynn Bruny is a Boulder freelance writer. Contact her at ml.bruny@comcast.net.

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August 7-8, 2020

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REAL ESTATE

Purchasing rural properties

By Sharon Bokan Colorado State University Extension Boulder County

hay when you are in your 30s but you may need help when you’re in your 80s.

Once you have your list, then you can start talking to Your family is growing, you are a Realtor®. Your list will help retiring, or you just want more guide them to properties that fit room for hobbies, livestock, what you want. It’s best to find a growing your own fruits and Realtor that is familiar with rural vegetables or just space, so you properties. If you are not sure what decide to purchase property in a rural area. Rural living is different questions to ask about a property, CSU Extension has a booklet than living in a residential area.

“Purchasing Rural Property in Being prepared and knowing the differences is critical to you loving Colorado”, extension.colostate.edu/ docs/pubs/natres/xcm235.pdf, that where you live or hating it. will help you know what to ask.

Before you start looking for One area that I find most people a property, it’s best to sit down do not understand is the number and decide why you want to of livestock that are allowed on a purchase a home with acreage.

What you would like to do on the property per Land Use Code versus the actual livestock number that a property – have livestock, provide supplemental income through hay property can support vegetatively.

Depending on how your property production or another product or just don’t want to be 10’ from your is zoned you may be able to keep from zero to four animal units per next door neighbor? Make a list acre. Agricultural zoning allows of what you want to do and the attributes you want on the property. for four animal units per acre while Rural or Estate Residential Remember to think long term as only allow two animal units per your children will grow up and acre, assets.bouldercounty.org/ leave home and you will get older wp-content/uploads/2017/03/ so planning for this ahead of time is smart. You might be fine hauling p29-keeping-animals-in-boulder-

not always understand what they have purchased involves water.

Just because you have a ditch that runs across your property does not mean that you have the right to take water out of the ditch to water your pasture. Water in Colorado is owned by the citizens of Colorado.

Unless you have a decree (water right) from Water Court, you don’t have water rights. You might have shares in a ditch company that has county.pdf. So, what is an animal a decree allowing them to pull X unit? An animal unit is equal to number of acre feet from the creek. one full size horse or one cow or How many shares you have in the five goats or sheep or 50 chickens. company will let you know how If you have two acres and are much water you can use. Each ditch zoned as Rural residential, you company has a different decree could by Land Use Code have four amount along with a different horses, but your two acres would number of shares, so you need to not support those horses without check with them to find out the supplemental hay and feed. In this actual amount of water you have. area it takes approximately 25 to Doing your homework before 40 acres (depends on the vegetation you purchase a property will help available and whether the property you find a property that fits your is irrigated or not) to support one needs and expectations now and in horse or cow without supplemental the future. feed. So, you must be prepared to For more information on purchase additional feed or have agriculture in Boulder County, the property turn into a dirt lot and visit the CSU Extension Boulder have hungry horses.

County website at boulder.extension. colostate.edu/agriculture.

Another area where people do

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AT HOME COLORADO

John McElveen

RE/MAX of Boulder – 303.449.7000 DAILY CAMERA / TIMES-CALL

Welcome to Anthem Reserve.

Be the first to experience our last new neighborhood.

More expansive views. Larger homesites.

And limitless possibilities.

Plus everything that life at Anthem offers.

Anthem’s premium enclave is situated on Broomfield’s highest point. Choose from Epic Homes or our new custom homebuilder, Copper Homes. Offering a limited number of new homes from the $800s.

Find yours at AnthemColorado.com/Reserve Newland is the largest private developer of mixed-use communities in the United States. With our partner, North America Sekisui House, LLC, we believe it is our responsibility to create enduring, healthier communities for people to live life in ways that matter most to them. newlandco.com | nashcommunities.com EQUAL HOUSING OPPORTUNITY: NASH Anthem, LLC (“Owner”) is the owner and developer of the Anthem Community (“Community”). Certain homebuilders, unaffiliated with Owner or its related entities are building homes in the Community. Owner has retained Newland Real Estate Group, LLC (“Newland”) solely as the Community’s property manager. North America Sekisui House, LLC (“NASH”) has an interest in one of Owner’s members. Owner, Newland and NASH are not co-developing, co-building or otherwise responsible for any of the obligations or representations of any of the Builders, and shall have no obligations to any buyer regarding a home purchased from a Builder. Owner’s obligations with respect to the community is limited to the development of certain infrastructure improvements and such obligations run solely to persons buying real property directly from Owner. Buyers of homes from any of the Builders waive any claims against Owner, Newland and/or NASH arising out of their purchase transaction. Actual development may vary from Owner’s vision. No guarantee is made that development will proceed as described. Not an offering to residents where prior qualification of out-of-state real estate offerings is required unless the Community has been so qualified or exemptions are available. ©2020 Anthem. All Rights Reserved. Anthem is a trademark of Owner and may not be copied, imitated or used, in whole or in part, without prior written permission.

August 7-8, 2020

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NEW LISTING!

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AT HOME COLORADO

DAILY CAMERA / TIMES-CALL

HOME

Top tips for an impeccably tidy home for fall Summer is a good time to get your house in order, especially with the start of the school year approaching fast. This year offers a fresh perspective on

BY TOM what you do KALINSKI and don’t need, RE/MAX of Boulder since “normal” is no longer here and “adjusting” is the rule of the day. The silver lining of our pandemic summer is a welcome opportunity to pare down and clean out.

Here are five areas of your home ripe for easy cleaning and the opportunity for finding joy in having less clutter in your closets, first published by Realtor.com.

Remove unused office clothing With our ongoing work-fromhome status, you may find your closet overflowing with things you can’t imagine ever wearing again – even when the office does open up.

Take advantage of that new-found outlook and pare down. Trash any clothing with holes or stains and

sell or donate the rest. Boulder has a few local consignment shops to tap into such as Plato’s Closet and Rags Consignment. Be aware, they are particular about condition and brands. For the apparel they don’t want, donate them to Goodwill or Salvation Army.

Donate excess canned goods Remember when it felt as if we might never shop for fresh veggies again? With grocery stores mostly back to full stock, it’s time to get rid of some of the extra canned goods we all wisely bought. Make an honest assessment of the canned and boxed items you will never use and donate them to our local food banks.

Recycle takeout freebies It’s been good to support our local restaurants by buying takeout during this period. But all of that delivery filled our kitchens with free utensils, condiment packets, and the takeout containers they all came in. While you may use some of those things, you’re not likely to use them all. Clear out your cabinets and make them feel more orderly by getting rid of these items – either by recycling, or

of course.

Use this time during the pandemic as an opportunity to tidy up your home.

possibly the food bank will accept unopen condiments and utensils.

Banish broken art and office supplies Parents end up with a stockpile of broken crayons, eraser-less pencils, and markers that may or may not work. It’s time to throw out those that don’t work. And with kids at home who need something to do besides banking more screen time, make it a contest to see who can find something worth keeping – with a high bar for what to keep,

Recycle delivery packaging This is one of the biggest downsides to online shopping – the waste of packaging. Even though Amazon has recently committed to “right-sizing” the box to fit the package, we still receive far too many cardboard boxes and wrapping. So until Amazon starts picking up the empties, or providing places to drop them off, it’s best to go ahead and recycle them now.

For more ideas on what to clear from your house, see the full list at: www.realtor.com/advice/homeimprovement/things-to-declutterduring-pandemic.

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 residential and commercial real estate.

For questions, e-mail Tom at tomkalinski33@gmail.com, call 303.441.5620 or visit boulderco.com.

LONGMONT ASSOCIATION OF REALTORS

INDEPENDENT BROKERS MOVING IN? MOVING OUT? MOVING UP? CALL

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August 7-8, 2020

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19 Years

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1190 Opal Street #101 Broomfield 3854 Xavier Street New Listing! $255,000 New Listing!

Private entry/end-unit. Carefree floorplan.

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4712 Wildwood Way Johnstown Under Contract $450,000 Awesome 3, bed, 4 bath, 3 car in Enclave. www.4712.wkre.com Jim Green: 303-775-2553

1652 Waneka Lake Trail Lafayette 762 Eldorado Drive Superior 13343 Umatilla Street Westminster New Listing! $840,000 Under Contract $859,000 New Listing! $405,000 5 bd/4 bth, 2.5 car, backs open space/trails.

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BOULDER OFFICE: 303.443.2240 LONGMONT OFFICE: 303.776.3344 wkre.com 8

AT HOME COLORADO

DAILY CAMERA / TIMES-CALL

REAL ESTATE

Coronavirus and refinancing your home The coronavirus pandemic has pushed the mortgage rate to historic lows due to investors fleeing to the safety of government securities. Fixed

BY DUANE mortgage rates DUGGAN tend to follow Realtor and Author the ups and RE/MAX of Boulder downs of the 10-year Treasury notes. That relationship is clearly shown by the graph below with data supplied by the St. Louis Federal Reserve Bank.

The downward pressure on interest rates has produced an opportunity for homeowners to refinance at historically low rates, as long the coronavirus pandemic has not cost them their jobs. All of this means that it is time once again to consider refinancing your home.

According to Freddie Mac, the average interest rate on a 30-year mortgage on July 16, 2020 was 2.98%. The last time rates were in that category was July 7, 2016 when Freddie Mac reported an average interest rate at 3.41%.

Rates this low do not tend to stick around very long so if you are considering refinancing, you should check into it quickly.

When interest rates drop, you might wonder whether or not it makes sense to refinance. Many different “rules of thumb” are broadcast to the public in answer the question, “When is the right time to refinance?” This can be confusing.

One of these “rules of thumb” says that if your current mortgage

August 7-8, 2020

The coronavirus pandemic has pushed the mortgage rate to historic lows due to investors fleeing to the safety of government securities.. (Photo: Bigstock).

loan is less than two years old, you should NOT refinance. This idea comes from the fact that you have just paid closing costs and when you refinance, there will be another set of closing costs.

Another common “rule” used to determine the feasibility of refinancing is that there should be at least a 2% spread between the old interest rate and the new refinance rate. The reasoning behind this rule is that at least a 2% difference in interest rates is usually needed in order to justify the expenses incurred when refinancing. In reality, refinancing your home mortgage could be done any time there is a significant savings in your monthly mortgage payment (or in your overall debt payments if you are consolidating other loans by refinancing) AND you plan to live in your home long

enough to recover the expenses incurred with refinancing.

Let’s say that your current home mortgage is at a rate of 5%.

A refinanced mortgage rate of 3.75% may currently be available to you. Before proceeding with refinancing your current mortgage you need to answer three questions in order to make a wise decision: 1. What are the total costs involved in refinancing?

2. How long do you foresee owning this home?

3. How many more payments will the loan be extended by?

Below is a graphic to help you apply your information to evaluate your situation: There will be a variety of costs incurred when refinancing a home mortgage. These include: a title policy to assure the lender that they have an enforceable deed of trust and loan on the property, an appraisal to determine your home’s market value, a loan origination fee, loan discount points, and a few other miscellaneous fees. Most title companies will offer a reduced title policy premium when the title insurance is re-issued for an owner within two years of the original title policy issue. This offer is possible because there is less exposure to the title company over such a short period of time.

Most homeowners upon

purchasing a home find out that any loan discount points paid are deductible as interest by the buyer in the year that they are paid. What may not be generally known is that discount points paid to refinance a home are not fully deductible in the year they are paid. These must be prorated or spread out over the life of the mortgage. For example, if a homeowner paid $3,000 in loan discount points to refinance their home mortgage at a lower rate, they could potentially deduct $100 in interest each year for a 30-year mortgage. This would mean a $28/ year tax savings if in the 28% tax bracket or $15/year tax savings if in the 15% tax bracket. The downside is that the homeowner had to pay $3,000 either in cash or by adding this amount to the mortgage. If possible, it is generally recommended that homeowners refinance with a “par value” loan, or in other words, that they refinance at a rate which does not require the payment of any loan discount points. This keeps the out of pocket expenses of refinancing at a minimum even though the interest rate may be slightly higher.

It is necessary to understand two terms in order to determine whether the interest payments on a home mortgage are fully deductible: “acquisition debt” and “home equity debt”. Acquisition CONTINUED See Refinancing, page 17 ATHOMECOLORADO.COM

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www.RealEstateInNorthernColorado.com Information deemed reliable, but not guaranteed. © 2017 C3 Real Estate Solution, LLC.

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AT HOME COLORADO

DAILY CAMERA / TIMES-CALL

ASK THE EXPERT

Home inspection is complete, now what?

Most homeowners are familiar with the home inspection process, a traditional step in the home buying process.

BY RICK The goal is JACQUEMARD to determine Flatirons Home the home’s Inspections condition, from the roof to the foundation and all the systems in between like electrical, plumbing, heating, and cooling. Ideally you are buying a home that is well maintained and only has a few outstanding problems that require attention. Unfortunately, many homeowners defer maintenance to save time or money, and prospective buyers must decide how to respond to their home inspection.

It is a common belief that real estate “deals” are negotiated at the signing of the contract. In many cases, the deal-making and

negotiations only start at the contract signing. Negotiations still happen once a home inspection has taken place. There are four choices for the buyer to consider following a home inspection; Do nothing, Ask the sellers to make repairs, Ask the sellers for a credit for repairs at closing, Cancel the purchase based on the report.

Buyers often choose to take a credit at closing rather than having the seller make repairs.

The sellers are on their way out and may not approach the work with the same priorities as a buyer might. Also, if buyers get a credit, there will be less back and forth to confirm the work has been completed to their satisfaction. The state of the market also plays a part in these negotiations. If it is an aggressive seller's market, the buyer's negotiating clout is limited. In a buyer's market, the buyer will have more room for negotiation.

If you are firm about having the seller do the repairs specify

inspection.

When the inspection is complete, make a point of doing a walk-through of your future home with the inspector. It is helpful to see firsthand any problems the inspector uncovers, their locations and suggestion about how they might be remedied. During this walkthrough you also get a detailed look at the mechanics of the house and all its quirks, such as the location of the septic tank, locations of all electrical panels, where are the sprinkler system controls or how to turn off the main water supply to the house.

Some homes may also have sump pumps and/or radon mitigation systems. Ask to see their locations and how they operate.

For more information, contact Rick Jacquemard, at 720.280.3544, e-mail rick@ flatironshi.com or visit flatironshi.com.

STEVE ALTERMATT, Boulder’s #1Realtor

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

U N D

ER

C O

N TR

A C T

Steve Altermatt

in the purchase agreement that work must be done by licensed contractors. Major repairs to plumbing, electrical, or HVAC require a permit. Be sure that permits are pulled, and inspections completed by the authority with jurisdiction, i.e. your town’s building inspector. If a project is too small to require a permit, maybe it does not make sense to ask the seller to do it at all. Specify a date for a followup inspection if one is planned, preferably a week before the closing so there is time to resolve outstanding items.

Sellers may want to get a home inspection of their own before they put their house on the market. They can then make minor repairs before putting their home on the market. They can also give buyers a complete list of disclosures, which may be required as part of the contract.

Buyers do not like to be surprised.

Even if the seller has a complete inspection, buyers should go ahead and schedule their own

4405 Agate Road

737 Pearl Street

1330 Chambers Drive

2,304 sf, 5 BD, 3 BA, West End Pearl Street townhome close proximity to hiking, Boulder Creek, the best restaurants! Private gated enclave on 7th & Pearl! Unobstructed Flatiron views, remodeled kitchen with stone counters & SS appliances with 3 awesome outdoor living areas.

3,496 sf, 6BD, 5BA, Light, open and updated two story home backs to CU South property with amazing views from the front and back! Gourmet kitchen, open dining room and family room, private master suite with five piece bath, finished basement with large rec-room.

$1,850,000

$1,495,000

$1,125,000

2645 Iliff Street

3,192 sf, 4 BD, 3 BA, Fantastic opportunity in Upper Table Mesa/Rolling Hills for a remodel of a large, well maintained ranch with a full, walkout basement!

Great location on mature treed lot only 5 doors from Mesa Elementary School.

$925,000

1540 Lehigh Street

4685 Ludlow Street

ER UN

D

UN D ER

CO

CO

NT RA

NT RA C

CT

T

2,756 sf, 3 BD, 2 BA, rare opportunity in North Boulder to build your dream home on a nearly 3/4 acre park-like lot in coveted Githens Acres.

Located on the edge of Boulder and literally five minutes to downtown!

247 Manhattan Drive

2,574 sf, 5 BD, 3 BA, Updated & well maintained Upper Table Mesa ranch with full, finished walk-out basement, open rooms & incredible outdoor living areas. Big dining room opens to back deck. Large family room opens to the private backyard. 5.9kW solar system.

2,054 sqft, 4 BD, 2 BA, Amazing views from this remodeled bi-level in Hy View on an oversized corner lot! Gorgeous open kitchen, beautiful spalike bathrooms, two fireplaces, and a 600 sqft deck with panoramic views!

2,744 sf, 4 BD, 2 BA, beautiful slab granite counters and SS appliances, including gas range and wine chiller in Kitchen. Large, light and open main floor family room addition with patio doors that open to a great deck in the private backyard.

$850,000

$827,500

$800,000

625 Pearl Street #1

748 sf, 2 BD, 1 BA, remodeled condo on the quiet West End of Pearl Street within a couple blocks of restaurants, great trails, and everything downtown! High end finishes throughout including beautiful cabinetry, tiles & stained concrete floors.

$435,000

Steve Altermatt, CRS 303-441-5669

www.SteveAltermatt.com • steve@stevealtermatt.com w August 7-8, 2020

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1456 Flowers Court Erie, Colorado

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AT HOME COLORADO

DAILY CAMERA / TIMES-CALL

Thinking of Moving?

Check out these great homes and many more at:

1-3 Sat n e Op

BACKING TO SOMBRERO MARSH 1444 Wonderview Ct BOULDER $1,395,000, 4 Beds, 3 Baths, 2785 SqFt

CUSTOM BRADBURN STUNNER 11719 Bradburn Bvld WESTMINSTER $885,000, 5 Beds, 4 Baths, 4158 SqFt

A SERENE EXPERIENCE 2995 Darley Ave BOULDER $1,079,000, 5 Beds, 3 Baths, 2558 SqFt Warren Williams 303-543-0148

SOPHISTICATED OPEN FLOOR PLAN 1690 Bassett St 8 DENVER $1,259,000, 2 Beds, 2 Baths, 1573 SqFt

IMMACULATE, UPDATED SPACIOUS LIVING GREAT LOCATION & REMODELED IN 2018 2205 Parkview Dr LONGMONT 2125 Jade Way LONGMONT $879,900, 5 Beds, 5 Baths, 4151 SqFt $859,900, 5 Beds, 4 Baths, 4368 SqFt

-2 11 Sat n e Op

PROSPECT W/ CARRIAGE HOUSE 920 Neon Forest Cir LONGMONT $1,050,000, 5 Beds, 7 Baths, 3976 SqFt Suzy Williamson 720-491-9885

PROSPECT ORIGINAL TOWNHOME 859 Neon Forest Cir LONGMONT $810,000, 3 Beds, 5 Baths, 3660 SqFt

-1 11 Sat n e Op

LOCATED IN THE NEW DELO COMMUNITY 1004 Maria Ln LOUISVILLE $735,000, 4 Beds, 4 Baths, 2313 SqFt

MULTI LEVEL ON QUIET CUL-DE-SAC 5110 Illini Way BOULDER $705,000, 4 Beds, 3 Baths, 2488 SqFt Lisa Mattix 720-383-3557

BEAUTIFUL ERIE COMMONS LIVING 540 Gallegos Cir ERIE $639,000, 5 Beds, 4 Baths, 3812 SqFt

20' CEILINGS & HUGE WINDOWS 17355 Cornerstone Ln PARKER $565,000, 4 Beds, 4 Baths, 3153 SqFt

CUSTOM BUILT CRAFTSMAN 2338 Whistler Dr LONGMONT $530,000, 5 Beds, 3 Baths, 3248 SqFt

PRAIRIE VILLAGE BEAUTY 2322 Winding Dr LONGMONT $499,900, 3 Beds, 2 Baths, 3942 SqFt

NICELY REMODELED ON 1.25 ACRES 1861 Karlann Dr BLACK HAWK $469,500, 3 Beds, 2 Baths, 2234 SqFt

BUNGALOW-STYLE FARMHOUSE 960 11th Ave LONGMONT $450,000, 2 Beds, 1 Bath, 2135 SqFt

MOVE IN READY DUPLEX 738 S Bowen St LONGMONT $435,000, 2 Beds, 1 Bath, 857 SqFt

NEWLY RENOVATED IN HISTORIC DOWNTOWN 106 E Emma St LAFAYETTE $425,000, 3 Beds, 1 Baths, 1017 SqFt

2 STORY CONDO W/ PRIVATE ENTRY 3735 Birchwood Dr 32 BOULDER $412,000, 2 Beds, 2 Baths, 1114 SqFt

OPEN AND BRIGHT 502 Hawthorn St FREDERICK $400,000, 4 Beds, 3 Baths, 1910 SqFt

Thinking of Selling?

Boulder 303.499.9880

4770 Baseline Rd #220 Boulder, CO 80303

Downtown Longmont 303.651.3939

512 4th Ave #101 Longmont, CO 80501

Lafayette 303.497.0588

109 N Public Rd Lafayette, CO 80026

Call for Hyper-Local Neighborhood Stats or Nederland an Accurate Estimate of Your Home’s Value 303.258.7020

On Walnut 303.442.3180

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an Accurate Estimate of Your Home’s Value On•Walnut Nederland Masks are required 303.442.3180 303.258.7020 1911 11th St #200 Boulder, CO 80302

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ATHOMECOLORADO.COM

13

QUICK GUIDE

OPEN HOUSES // VIRTUAL TOURS LIST YOUR OPEN HOUSE OR VIRTUAL TOUR:

VISIT OPENHOMES.ATHOMECOLORADO.COM OR CALL 303.473.1456, 303.684.5329

Boulder

5695 Cascade Place

Greeley

920 Neon Forest Cir

1310 Rosewood Avenue 5A $430,000 Saturday 10:00 AM-12:00 PM Jon Hatch RE/MAX of Boulder (303) 441-5683

$1,250,000

612 Cattail Ln.

$1,050,000

Sunday 1:00 PM-3:00 PM

$419,900

Saturday 11:00 AM-2:00 PM

Ann Cooper

Saturday 11:00 AM-12:30 PM

Suzy Williamson

RE/MAX of Boulder

Kim Bylsma

RE/MAX Alliance

(303) 517-0447

Sears Real Estate

(720) 491-9885

5110 Illini Way $705,000 Saturday 11:00 AM-1:00 PM Lisa Mattix RE/MAX Alliance (720) 383-3557

2132 Bluebell Avenue

4194 Longview Ln $744,900 https://is.gd/tJ2z6F Kristen Brown Martin RE/MAX Alliance (303) 478-1883 298 Balsam Ln $995,000 https://is.gd/Pr05me Kristen Brown Martin RE/MAX Alliance (303) 478-1883 2995 Darley Ave $1,079,000 Saturday 1:00 PM-3:00 PM Warren Williams RE/MAX Alliance (303) 543-0148

(970) 576-5320 $1,895,700 Sunday 11:00 AM-1:00 PM Jon Hatch RE/MAX of Boulder

Saturday 1:00 PM-3:00 PM Crystal Scolaro

From $1,200,000 Friday 12:00 PM-6:00 PM Brian Terry Bosch Real Estate Group

(303) 441-5683

(303) 932-9689

(303) 845-0929

745 Highland Ave

8130 River Run Dr.

2408 Summerlin Drive

$3,495,000

$435,000

From $1.2M

https://is.gd/dzK4fi

Saturday 11:00 AM-12:30 PM

Saturday & Sunday 12:00 PM-4:00 PM

Candace Loving

Cathy Cowles

Brian Terry

Colorado Landmark

Sears Real Estate

Bosch Real Estate Group

(303) 332-4530

(970) 302-6632

(303) 845-0949

Fort Collins 2004 W Lake St $420,000 Saturday & Sunday 11:00 AM-2:00 PM JoAnn Caddoo RE/MAX Alliance - Fort Collins

Lafayette 365 Whitetail Cir $599,900 Saturday 12:00 PM-2:00 PM Kristen Brown Martin RE/MAX Alliance (303) 478-1883

(970) 219-5922

Superior 501 & 505 Canary Lane Starting at $995,000 Saturday & Sunday 12:00 PM-6:00 PM Eric Stjernholm Trelora Real Estate (720) 572-1397

Longmont 1800 Meadowaire Drive $685,000

(303) 990-2012 AT HOME COLORADO

$425,000

2408 Summerlin Drive

Sears Real Estate

1415 Elder Avenue $1,174,999 Saturday 12:00 PM-2:00 PM Jeremiah Daly WK Real Estate

14

1300 42nd Avenue

802 Widgeon Circle

501 & 505 Canary Lane

$535,000

Starting at $995,000

Saturday & Sunday 12:00 PM-3:00 PM

Saturday 11:00 AM-2:00 PM

Wednesday - Friday 12:00 PM-6:00 PM

John Simmons

Seth Williamson

Eric Stjernholm

C3 Real Estate Solutions

WK Real Estate

Trelora Real Estate

(970) 481-1250

(303) 309-0088

(720) 572-1397 DAILY CAMERA / TIMES-CALL

Boulder’s Independent Real Estate Professionals

6635 Rabbit Mountain Rd Coming Soon 43-acre gated, executive estate. Views!

6775 Ute Highway $2,600,000

Secluded, irrigated, 35-acre farm.

Renovated home.

8003 N 63rd St $3,950,000

10650 N 75th St $999,000

19 acres, 3-bedrooms, water rights.

Comfortable, well-built home on 93 secluded acres.

Killing Them Softly

7097 Jay Rd $1,495,000

Well maintained house on 14 acres.

Water rights.

August 7-8, 2020

I am of an age where the medical world is playing a bigger part in my life, telling me what to eat and what not to. In essence, if it comes in a packet, a can or a box I am to steer clear of it (so I ask for my Big Mac on a plate.) But it did get me to thinking about what our dogs eat.

If processed food is bad for me, why would it be good for my dog? Kibble—universal fare for pooches—seems like a poor choice. It has been exposed to extreme temperatures and has all kinds of additives, preservatives and enticing sprayed-on fats and it is unhealthily dry. Dog life expectancy has declined markedly over the past half-century. Cancer is on the increase and is a common cause of early death. There has to be a connection. Purdue carried out a study showing that adding raw vegetables—leafy greens and yellow root vegetables—even to a kibble diet three times a week resulted in a significant decrease in the risk of some cancers. Chew on that.

1040 5th St Unit 2 $550,000

3,311 sq ft industrial unit in Lyons.

31820 S Saint Vrain Dr $895,000

Updated home on 0.66 acres. Views.

303.444.3177 klrealty.net team@klrealty.net ATHOMECOLORADO.COM

15

DESIGN RECIPES

The beauty of built-ins because of the customization and design freedom they can allow both homeowners and designers.

Closets Closets are a popular location for built-ins, especially drawers and shelves. Built-ins allow for storage that will not infringe on what is often a limited space. Wall-to-wall closets allow for the most amount of design capability and flexibility.

Look to place your built-ins along perimeter walls, and consider a mix of shelves and drawers.

A wall of built-ins in a master bedroom provides additional storage.

(Photo: Design Recipes/TNS).

By Cathy Hobbs Tribune News Service Built-ins: Love them or hate them?

They can either be the first item on the demo list, or the ideal

storage and space-saving solution.

Space is a challenge for many homeowners, and built-ins can be the ideal solution. Additionally, those who aren't fans of off-theshelf solutions may desire built-ins

Living spaces Living spaces that may or may not include other social areas such as family rooms and dining rooms also serve as great design opportunities for built-ins. For these areas be sure to think function first and define the needs of the space before beginning to construct your built-ins. In these rooms, built-ins can serve both areas you wish to highlight as well as areas in which you have items you may wish to hide.

Furniture This is where personalization really comes in to play. Keep in mind that if you integrate built-in furniture into your home, these pieces may or may not have universal appeal and may make your home less desirable long term.

Think and plan well to achieve the most successful outcome.

Offices Home offices are often prime targets for built-ins, especially when it comes to cabinetry, shelving and drawers. Looking for a low-cost solution? Kitchen cabinetry is a good choice as an office built-in solution over custom cabinetry.

Cathy Hobbs, based in New York City, is an Emmy Awardwinning television host and a nationally known interior design and home staging expert with offices in New York City, Boston and Washington, D.C. Contact her at info@cathyhobbs.com or visit her website at www. cathyhobbs.com.

OWN FOR LESS THAN RENTING! Studio homes from $409,900

WALKING DISTANCE TO CU CLOSEOUT INCENTIVES $5,000 credit towards closing costs 1-year HOA dues credit SALES GALLERY Tuesday - Saturday: 10 am - 5pm, by virtual tour or appointment Dara West: (303) 817-1373 | darawest@pelotonwest.com Vanessa Hilbert: (303) 653-3054 | vanessa@pelotonwest.com

livepelotonwest.com Brokers Welcome. Preferred financing available for qualified buyers*.

Exclusively represented by Š Cadence Realty, LLC. DRE lic #100074562

ONLY 3 STUDIO HOMES REMAIN!

This is not an offer to sell, to reserve a unit or create a binding agreement in any way, but is intended for information only. Seller reserves the right to make modifications in pricing, units available for sale, materials, specifications, plans, designs, times for acceptance of offers, and closings of the units without prior notice.

16

AT HOME COLORADO

DAILY CAMERA / TIMES-CALL

Refinancing (continued) debt is the amount of money borrowed in order to buy, build, or make capital improvements to a principal or second home.

The deductibility limit for acquisition debt is $1,000,000 for the combination of a first and second home. As the principal is paid down on this mortgage, the acquisition debt is reduced. Home equity debt has a deductibility limit of $100,000 above the current acquisition costs for both the first and second homes. Money pulled out of a home’s equity can be used for any purpose including home improvements, education, and medical expenses, business expenses, or restructuring and paying off other debts. When a homeowner refinances a mortgage, the acquisition debt does not increase. For example, if a person originally borrowed $175,000 to purchase their home and the current unpaid balance is now $150,000, the acquisition debt is

now $150,000. By refinancing only the $150,000 balance the interest payments will still be deductible.

Assuming the market value of the home will allow it, the homeowner could borrow up to $250,000 and still have all of the interest payments be deductible. $150,000 of the new loan would still be considered acquisition debt and the additional $100,000 would be considered home equity debt. An important thing for homeowners to be aware of is that all of the interest payments on a principal or second home mortgage may not be tax deductible even though a mortgage company may be willing to make a certain loan amount. The limit restrictions for “acquisition” and “home equity” debt must be taken into consideration and your tax advisor should be consulted for current tax rules.

Due to the competitive nature of the home mortgage business,

some lenders will offer “Low” or “No Closing Costs” loans. These types of loans will typically have a slightly higher interest rate. It is important to find out if the lender is actually not charging any closing costs or if these costs are being added to the refinanced mortgage amount. Adding closing costs to the mortgage can hide potentially high loan fees that increase the overall costs of the mortgage, even though the out of pocket expenses are kept low.

When refinancing, the payment can drop for reasons other than interest rate. One is that if the old loan was amortized, the principal is being paid down a bit each month.

When the refinance loan is done, the balance will be lower than the original, unless cash is pulled out or if the original loan was interest only. Second, by refinancing, the loan repayment process starts over at 30 years to go. Therefore, much of the monthly savings is tacked on to the end of the loan. Some people will argue the “time value of money”. In other words, those dollars added on the end are worth much less than dollars today, hence the argument, “don’t pay your

mortgage off early”. In today’s mortgage market, some lenders are offering mortgage products with whatever term you desire.

In summary: 1. Consider refinancing whenever it creates a significant monthly savings and you can recover the expenses of refinancing during the time you own the home.

2. Consider a “par value” loan to keep closing costs at a minimum and be aware that loan points paid when refinancing are not fully deductible as interest in the first year.

3. Consult your mortgage loan professional and tax advisor to discuss your specific details.

Duane Duggan has been a Realtor for RE/MAX of Boulder since 1982.

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.

OPEN SATURDAY & SUNDAY 1PM - 5PM

524 NESTING EAGLES WAY BERTHOUD • $1,195,000 5 Bedrooms • 4 Bathrooms • 4930 SQFT Spectacular New Ranch With Finished Garden Level Basement. Gourmet Kitchen, Stone Fireplaces, Wet Bar, 5 Car Garage! on .43 Acre lot.

Chris Pollock 970.215.1742 August 7-8, 2020

ATHOMECOLORADO.COM

17

Firestone, Frederick, Dacono

Longmont Area Real Estate Statistics July 2020

Single Family

Jul-19

Jul-20

% Chg

Total # Sold - Month

62

96

54.8%

# Sold - YTD

406

470

15.8%

Avg Days on Market

44

47

6.8%

# of Active Listings

255

221

-13.3%

Median Sales Price

405,000

427,500

5.6%

Average Sales Price

407,692

443,579

8.8%

Longmont - Area 4 Single Family

Jul-19

Jul-20

% Chg

Attached Dwelling

Jul-19

Jul-20

% Chg

Total # Sold - Month

129

133

3.1%

Total # Sold - Month

30

26

-13.3%

# Sold - YTD

682

689

1.0%

# Sold - YTD

207

186

-10.1%

Avg Days on Market

47

51

8.5%

Avg Days on Market

58

53

-8.6%

# of Active Listings

339

275

-18.9%

# of Active Listings

124

68

-45.2%

Median Sales Price

449,990

470,500

4.6%

Median Sales Price

314,875

336,250

6.8%

Average Sales Price

474,829

502,602

5.8%

Average Sales Price

318,832

351,518

10.3%

Data obtained from Longmont Association of REALTORS® & based on information from IRES, LLC for the period 1/1/2007 through present. Information deemed reliable but not guaranteed.

Professional Home Inspections For Home Buyers and Sellers www.flatironshi.com

720-280-3544

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.

rick@flatironshi.com

Offering 1, 2, and 3 bedroom apartments.

“Peace Of Mind Every Time”

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

RENTAL SPOTLIGHT Your Guide to Rental Communities in Boulder, Broomfield, Larimer and Weld Counties

AtHomeColorado.com/Rentals Complex Name The View on 26th

Address

Type

Rent

$1,943 1853 26th Street Apartments per month Boulder, CO 80302

Bed/Bath 2 Bed, 2 Bath

Description Choosing to live in apartments in Boulder means opting for beautiful scenery, a vibrant social scene and a quick commute to both the mountains and the city. The View on 26th offers you all that and more. Join friends by the pool or at our clubhouse, with free WiFi and a coffee bar, while you plan how to make the most of your day.

From sunrise to sunset, the iconic peaks are stunning from your large apartment windows or personal patio.

Secluded and serene, yet incredibly close to the 29th St. Mall and all the fun of Boulders dining and shopping scene, The View on 26th is just that—the perfect place in the heart of everything you love.

Other Amenities

Information

Pet Friendly, Newly Renovated Clubhouse, Doggy Park, Fire Pit, Laundry Facilities

303-447-179 theviewon26th.com

To list your rental or community call Thais Hafer at 303.473.1456 or e-mail hafert@dailycamera.com 18

AT HOME COLORADO

DAILY CAMERA / TIMES-CALL

Real Estate place yoUr ad:

Real Estate

FAIR HOUSING NOTICE All real estate advertising in this newspaper is subject to the Federal Fair Housing Law which makes it illegal to advertise a preference limitation or discrimination based on race, color, religion , sex, handicap, familial status, or national origin, or an intention to make any such preferences, limitation or discrimination.

This newspaper will not knowingly accept any advertising for real estate which is in violation of the law. Our readers are hereby informed that all dwellings advertised in this newspaper are available on an equal opportunity basis. To complain of discrimination, call The Colorado Civil Rights Office at 1-800-262-4845/ HUD at 1-800-669-9777.

303.466.3636 BoUlder/Broomfield/longmont or 970.635.3650 loveland or frontrangeclassifieds.com

Cabin and bunkhouse on beautiful Riverside Dr in Lyons. Sleeps 6 or more. Call Mary at 303956-2418. Listing with Sotheby’s. $395,000.

Water Mineral Want to purchase minerals and other oil/gas interests.

Send details to: P.O. Box 13557, Denver, CO 80201

Rentals

2BR (2nd Floor) near Wadsworth & 88th $1400/mo + $1400 Dep. N/S/P. (303) 748-4057/(303)666-4434

Here in Colorado, we like our trails long our mountains high and our news from a Colorado journalist.

1BR in 2BR/1BA NS No pets Share w/1male Stop! Don’t Pay Rent !

8/1 $550/mo ac dw BUY A HOME NOW mtn view deck Off st ZERO DOWN park Next to bike path EZ Credit fix if needed Call/Text for details 1 mile to CU/PearlSt Pool Laundry in bldg Ron 303-428-9377 www.StopRent.com h2o&ht pd grpate@hotmail.com Lost (303) 422-4432

Something?

Found Something?

now for a free LOST & FOUND ad.

Call

Footh hills Apartments in Loveland: 2BR 1BA-$1050/month, water, sewer & trash included, Washer & Dryer in Unit.

No Pets. 1 Year Lease.

970-669-7850 LOOKING FOR A JOB? We’re your #1 source in print and online for the latest jobs in the area

Stop! Don’t Pay Rent !

BUY A HOME NOW ZERO DOWN EZ Credit fix if needed Call/Text for details Ron 303-428-9377 www.StopRent.com

303-466-3636 970-635-3650 719-275-5300 or 888-355-0935

Thank you for reading and supporting your local newspaper!

JOBS. WHEELS. HOMES. STUFF.

FIND IT. SELL IT. FAST. August 7-8, 2020

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19

RECENTLY LISTED HOMES

LAFAYETTE | 1109 ELYSIAN FIELD DR. D

BOULDER | 1850 FOLSOM STREET 612

LAFAYETTE | 2560 STONEWALL LANE

1 BR * 1 BA * 826 TSF (919573) * $249,900

1 BR * 1 BA * 682 TSF (919655) * $343,000

3 BR * 3 BA * 2418 TSF (919721) * $529,900

BOULDER | 1310 ROSEWOOD AVENUE 5A

NIWOT | 8060 NIWOT ROAD 65E

BOULDER | 740 9TH STREET

1 BR * 1 BA * 761 TSF (919735) * $430,000

1 BR * 1 BA * 520 TSF (919824) * $204,900

3 BR * 2 BA * 1389 TSF (919896) * $1,150,000

OPEN SATURDAY 10 AM - 12 PM

Affordable Housing Program

LONGMONT | 6915 GOOSE POINT COURT

NIWOT | 8432 BRITTANY PLACE

BOULDER | 3228 FOUNDRY PLACE 104

5 BR * 4 BA * 5524 TSF (919899) * $1,725,000

5 BR * 6 BA * 4751 TSF (919943) * $1,460,000

1 BR * 1 BA * 644 TSF (919954) * $141,428

BOULDER | 3885 NORTHBROOK DRIVE

BOULDER | 1330 CHAMBERS DRIVE

THORNTON | 13758 COOK STREET

3 BR * 3 BA * 1897 TSF (919991) * $785,000

6 BR * 5 BA * 3496 TSF (920053) * $1,125,000

5 BR * 4 BA * 2826 TSF (920132) * $459,900

UNDER CONTRACT

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2425 Canyon #110 | 1320 Pearl 20

AT HOME COLORADO

303.449.7000 | BoulderCO.com DAILY CAMERA / TIMES-CALL