At Home Colorado

A Rural Retreat

Why Northern Colorado’s Front Range Makes the Ideal Destination for Downsizing Retirees

COLORADO

ATHOMECOLORADO.COM

COLORADO HOME & REAL ESTATE

CONTRIBUTING WRITERS

Gabe Bodner

Duane Duggan

Tom Kalinski

Bill Myers

ADVERTISING CONSULTANTS

Thais Hafer

Toni McNeill

REAL ESTATE ADVERTISING DIRECTOR

Mary Romano

MANAGING EDITOR

Greg Stone

gstone@prairiemountainmedia.com

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

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©2023 Prairie Mountain Media.

DENVER

Before COVID-19, one in three U.S. families could not afford diapers. The pandemic’s resulting impact on American job security, increased cost of living and growing inflation have only exacerbated this need as diaper banks struggle to keep up. With skyrocketing demand, HomeAid Colorado has completed its annual Builders for Babies Diaper Drive.

“Coming a long way since collecting 18,000 diapers in 2015, this event has grown as the building industry has embraced the need for diapers and found a way to help struggling families across the state, ” said Cindy Bell, Executive Director of HomeAid Colorado. Through its online landing page, HomeAid is able to donate 1.4 million diapers and 1 million wipes. They are also accepting in-person diaper and wipe donations at the distribution event on June 23rd at DICK’S Sporting Goods Park.

Over 38% of Colorado infants and toddlers don’t have access to clean diapers. The demand for diapers increased by as much as 300% during the pandemic but there are still no state or federal programs that cover the cost of diapers. Disposable diapers are required at most childcare facilities and cloth diapers are not an option for low-income families as they often don’t own mashing machines and washing soiled diapers is prohibited at most laundromats. Nationally, 57% of caregivers experiencing diaper needs said they missed an average of four days of school or

THINGS TO DO

Lafayette Old Town Garden Tour

$15. Free for Children Under 12

June 17, 9 a.m.- 2 p.m

Old Town Lafayette

> lafayetteoldtowngardentour.org

Lyons Garden Club “Mountain Blooms” Garden Tour

Free – June 17, 9 a.m.-1 p.m.

Sandstone Park, Lyons

> https://www.lyonsgardenclub.com/

work a month because they couldn’t afford diapers.

It costs about $1,000 per year to buy a supply of average-priced diapers for one child. For someone who works a full-time minimumwage job, making just over $15,000 a year, that’s a huge expense. When a caregiver can ’ t afford diapers, children are sitting in unsanitary conditions for extended periods of time - placing children at a higher risk of infection and emotional trauma. It can also negatively affect the mental and emotional health of parents, leading to difficulty in coping with stress, depression, and trauma.

A young, single father of a six-month-old and a one-and-ahalf-year-old has struggled with acquiring this basic need. Before receiving diapers through Volunteers of America, a Builders for Babies diaper recipient, he had to resort to stealing. He was forced to use

55 & Better Greeley Expo

PresentedbyGreeleyTribune

Free. June 17, 9 a.m.-2 p.m.

> greeleytribune.com/aging

Greeley Garden Tour

$15. Free for Children Under 12

June 24, 8 a.m.-2 p.m.

Greeley

> greeleygardenclub.com

diapers that were too small for his child and diapers that were too large for his baby. His children have gone without diapers and he has had to wash their bottoms in the bathtub repeatedly during the day when he is out of wipes. He is only one example of how dire the diaper situation can be for struggling families. With the significant inflation of recent months, especially in the cost of housing, food and fuel, the families at Early Childhood Partnership of Adams County are extremely grateful for the free diapers and wipes they receive.

“I am very grateful for the diapers and wipes ECPAC has been able to help me with,” one diaper recipient said. It is an ongoing expense that is needed for the health of my baby The cost is difficult to keep up with and being able to get help has been a blessing. The stress of constantly needing to spend a big chunk of money on a need every baby has helped me tremendously!”

HomeAid plans to distribute all donations on Friday, June 23rd to 51 service providers across Colorado. These organizations will then give those diapers out to thousands of families in their network who come to them for assistance. HomeAid asks that in-person donations are made in diaper sizes 4, 5, and 6 as well as wipes. Donating diapers and wipes is the best way to support families around the state. Please note that cloth diapers, baby food, toys or any used items will not be accepted. For more information, visit HomeAidColorado.org.

2023 Colorado Tiny House Festival

$10-$20. Kids 12 and Under Free

June 24-25, 10 a.m.-4 p.m.

> coloradotinyhousefestival.com

Flower Power & Importance to Pollinators

June 29, 2-3 p.m.

Centennial Park Library, 227 23rd Ave., Greeley

> greeleygardenclub.com

HomeAid Colorado seeks to change the lives of Colorado children by distributing 2.4 million baby essentials during “builders for babies” diaper drive

Sustainability makes its

Sustainability

became “hot” in 2023, putting carbon reduction at the top of the list of home improvements that bring value nationwide, according to the Remodeling

2023 Cost vs Value Report (CVV) on home renovations that deliver the best return on investment (ROI)

HVAC conversion – or heating, ventilation and air conditioning – ranks the highest ROI renovation for the first time, returning 104% of dollars invested nationwide and 114.5% in the mountain states of New Mexico, Idaho, Nevada, Arizona, Colorado and Utah, reports CVV (www.costvsvalue.com). An HVAC project includes removing an oil or gas furnace and replacing it with an electric heat pump that is appropriate for the climate zone, ” write the CVV analysts. Operating home HVAC systems consumes the largest amount of home energy, according to the recent Energy Information Administration (EIA) data

Heat pumps are gaining traction as the solution to replace the typical HVAC system “Heat pumps have grown in popularity because they provide both heating and cooling

The conversion from a furnace or boiler to a heat pump provides the added value of summertime cooling without a separate air conditioner. New inverter technology has also made heat pumps viable for heating

appearance on home renovation value report

in northern states, erasing the discomfort problems that previously plagued their use in cold climates,” according to the CVV report.

Overall, the average ROI value of remodeling projects fell in this year ’ s CVV report Though some projects have high returns that exceed 100% in 2023, “those at the lower end of the ROI range have dropped well below 50%, with the overall cost–value ratio down to 34.8%, the lowest in the history of the report, ” according to CVV analysts.

Projects that still hold weight in the eye of the buyer: exterior replacement projects Real estate professionals aren ’ t surprised by this finding Realtors’ experience shows that if a buyer’s first impression of a home is favorable, they view the home more positively overall.

Here are the remodeling projects that topped the mountain region for the best ROI in this year ’ s report:

HVAC conversion to electric

The highest ROI on remodeling is converting from a fossil-fuel-burning furnace to an electric heat pump for heating and cooling a 2,000-squarefoot home in the mountain states. The return is 114 5% on an $18,155 investment. Plus, you are doing your part to reduce carbon emissions into the atmosphere.

Siding replacement to fibercement siding

New siding makes your home look fresh and returns 107 4% or $20,792 on a $19,861 investment to replace 1,250 square feet of existing siding with new fiber-cement siding, factory primed and factory painted

Garage door replacement

This is a Colorado favorite and for good reason. A stylish new garage door makes your home pop with curb appeal That’s probably why this $4,529 investment returns an estimated $4,516, or 99.7%. The project analyzed is to remove and replace a 16x7-foot garage door and its tracks with one made with hightensile-strength steel with two coats of factory-applied paint. Windows in the top panel are ½-inch insulated glass This doesn’t include a new motorized opener

Manufactured stone veneer

A natural for Colorado, this trend delivers $10,655 on an $11,014 investment or 96 7% The estimated cost is a 300-square-foot adhered manufactured stone veneer, including 36 linear feet of sills, 40 linear feet of corners, and an outlined entry archway

Siding replacement to vinyl

Once again, replacing your home’s siding brings high ROI – this time

using vinyl as the replacement material The return is 92 9% of the money spent to do the job. The project costs $17,435 for 1,250 square feet and returns an estimated $16,202

The value figures in the CVV report, published by Zonda Media’s Remodeling ezine are derived from a survey of more than 6,000 realtors surveyed in Q4 2022. Zonda Media notes that this year ’ s survey was conducted during one of the lowest points in the real estate market in a decade

The complete remodeling 2023 cost vs value report data can be downloaded free at costvsvalue.com. Read the full article at remodeling hw.net/cost-vs-value/2023/mountain.

Tom Kalinski is the broker/owner of RE/MAX of Boulder He has a 40-year background in commercial and residential real estate For questions, email Tom at tomkalinski33@gmail.com, call 303 441 5620 or visit boulderco.com.

TOM KALINSKI

Should I pay my mortgage off before I retire?

At first thought, it would seem to make sense – why not have your house free and clear and have no house payments in retirement?

If you ask three CPAs and financial planners, you will probably hear three different suggestions. It is important to think about your plan as early in your life as possible. To help you make that decision when you are working with your financial professionals, here are a few items for discussion

First, if you can go ahead and pay off your mortgage, think about where those funds are located now and what they are earning. Then you need to look at what the interest rate is on the mortgage and consider the deductibility of that interest If your funds are earning 6%, and the interest rate on the mortgage is 5% and is deductible, it would likely be

best to just leave things as they are However, likely, you are also paying taxes on the 6% return This is where you need to sit down and analyze the numbers with your financial professionals.

If you have a free and clear home in retirement, the value will likely continue to appreciate over time,

if 3735 Martin Drive Updated 1,372 sqft ranch with 4 BD and 2.5 BA in Martin Acres! Garage converted to primary suite. Across from Creekside Elem! Near Boulder’s pedestrian trails with access to Table Mesa Center & all of Boulder! $815,000

based on history. However, all the equity you have in the home is providing zero return. It is just sitting there! This is very confusing because most people believe that the rising price of homes is giving you a return on your equity Now you shouldn’t secure a loan on all your equity and invest in the latest stock tip, but you

1050 Toedtli Drive Most coveted original floor plan in Table Mesa! This 3,019 sqft two-story has 4 BD upstairs, a 5th BD on lower level, 3.5 BA and it sits on a 1/4 acre corner lot bordering Boulder’s pedestrian trail system. $1,075,000

Your Boulder’s #1 Broker for over 30 years! Steve sells more homes in Boulder than any other real estate broker or real estate team! 295 Mohawk Drive Spacious mid-mod tri-level home in Frasier Meadows with 2,430 sqft, 4 BD, 3 BA located on over 1/4 acre! Vaulted ceilings, large rooms, and great outdoor living areas. $1,100,000 345 S 36th Street: Expanded, 1,323 sqft, 3 BR 2 BA ranch on a huge, beautifully landscaped lot one door from Martin Park and Bear Creek Trail. Large great room, updated kitchen, spacious primary suite & 4 season sunroom. $950,000

can invest that equity in relatively safe places.

UNDERCONTRACT UNDERCONTRACT UNDERCONTRACT

paid 186 S. 32nd Street Classic 1,040 sqft mid-mod ranch with 3 BD and 1 full BA in the heart of Martin Acres, only 5 blocks away from Creekside Elem and the Bear Creek Pedestrian Trail. Desired ranch, neighbors on the surrounding blocks have expanded by going up, out, or both. $800,000

One possibility to check into If you borrow against your home, the interest is usually deductible Plus, it is simple interest with the

(Photo: 1007 Tantra Park Cir Adorable, bright & open 1,593 sqft home with 3 BD 2 BA in the tucked away South Creek 7 neighborhood. This tastefully remodeled home backs to a seasonal creek and pedestrian path. $1,000,000

DUANE DUGGAN

David

John

3 Bedrooms • 3 Bathrooms • 2,016 SQFT • $680,000

646

OPEN SAT1-3 PM! UNDER CONTRACT! UPPERCHAUTAUQUA!

WAY, LAFAYETTE

Unbeatable Boulder Location for this upper Chautauqua residence tucked back on a private and secluded cul-de-sac a short walk to Boulder’s Historic Chautauqua Park Recent renovations & updates include high-end modern finishes with extensive hardwood flooring, updated kitchen, brand new bathrooms, designer lighting and paint

Rural

Retirement presents the perfect opportunity to redefine lifestyle choices. The rural towns of Colorado’s Front Range offer an enticing proposition for retirees looking to downsize and enjoy a quieter pace. Are you a retiree looking for a change of pace and a more peaceful lifestyle? Consider the rural towns of Berthoud, Loveland, Longmont, Lyons, and Estes Park in Northern Colorado’s Front Range. With their natural beauty, open spaces, rich cultural scene, and proximity to larger cities, these towns offer an excellent alternative to urban living. Downsizing to a smaller home in one of these towns can also provide financial benefits, including affordable housing options and lower property taxes. Plus, there’s never a shortage of outdoor activities, making these towns an ideal choice for active retirees. Explore all Northern Colorado’s Front Range offers and discover your new home.

Cotton Hollow, Fort Collins. (Photo: Shutterstock)

Why rural living and downsizing?

The shift towards rural living among older adults is gaining momentum and for good reason. The peace and tranquility of small-town life and the financial considerations of downsizing to a smaller home offer an effective lifestyle change for many retirees.

The allure of Northern Colorado’s Front Range

Northern Colorado’s Front Range is an excellent place for retirees, boasting an appealing blend of natural beauty, open space, a rich cultural scene, and proximity to larger cities like Fort Collins and Denver. Its rural areas offer the charm of a small town with easy access to the amenities of urban living. The Northern Colorado Front Range is a popular place to retire for several reasons:

Natural Beauty and Outdoor Activities: The area is known for its stunning natural beauty, including Rocky Mountain National Park and other state parks. You can enjoy hiking, biking, fishing, camping, and skiing. The scenic beauty and vast outdoor activities promote a healthy and active lifestyle, which can contribute to longevity and wellness in retirement.

Climate: Colorado has a high number of sunny days each year, and the dry climate can be beneficial for those with certain health conditions such as arthritis. While winters can be cold and snowy, many people appreciate the four distinct seasons and find the winter conditions excellent for winter

sports.

Health-Conscious Community: Colorado consistently ranks as one of the healthiest states in the U.S. There’s a strong emphasis on physical fitness and wellness, with many gyms, health clubs, and wellness-focused facilities. Healthy, organic, and locallysourced food is also readily available.

Cultural and Educational Opportunities: The Front Range is home to several universities and colleges, such as Colorado State University, which provide an abundance of lectures, classes, concerts, and other cultural events. Cities like Fort Collins and Boulder have vibrant art scenes, music festivals, and a variety of restaurants and shops.

Quality Healthcare: Northern Colorado is known for having excellent healthcare facilities, which are crucial for aging populations. The UCHealth system, for example, provides

high-quality care with numerous specialists.

Cost of Living: While the cost of living can be higher than the national average, particularly in terms of housing, many people find it’s worth it for the high quality of life. Taxes are also relatively moderate compared to other states.

Accessibility: The region is also well-positioned with a good transportation infrastructure, including Denver International Airport for those who plan to travel during retirement.

Remember, everyone’s preferences and needs in retirement are different. It’s important to visit and experience the place for yourself before deciding to move

Spotlight on Berthoud,Loveland, Longmont,Lyons and Estes Park

These four towns epitomize why Northern Colorado’s Front Range is one of the most desirable places for retirees. Berthoud, fondly known as the “Garden Spot of Colorado,” Loveland, with its vibrant art food and microbrewing scene, Longmont’s historic downtown, Lyons is known as the “Double Gateway to the Rockies” due to its location, offering ample outdoor activities and Estes Park’s gateway to the Rocky Mountain National Park, each offer a unique appeal to active adults looking for outdoor recreation and a close-knit community.

Affordable housing and reasonable cost of living

The real estate market in these towns is robust, offering a range of affordable housing options from cozy ranch-style homes to single-family homes. The median housing prices are below the national average, making these towns attractive to home buyers. The property taxes are also relatively lower than in many other regions, which is a significant plus for retirees living on a fixed income.

Access to amenities and healthcare

Though considered rural, these towns provide easy access to essential amenities. They are a short drive from major airports and large cities, ensuring you’re never too far from urban conveniences. These towns also have well-equipped healthcare facilities, so medical help is always available.

An active lifestyle amidst nature One of the guiding principles of rural living in these towns is the emphasis on outdoor activities. With numerous golf courses, national parks, and the beautiful landscapes of Larimer County, there’s never a shortage of things to do. The abundance of outdoor sports and activities makes these towns the best choice for retirees who wish to stay active in their later years.

If you’re considering downsizing and long for the peace and simplicity of rural living, look no further than Berthoud, Loveland, Longmont, Lyons, and Estes Park in Northern Colorado’s Front Range. With affordable places to live, a reasonable living cost, and many activities to keep you engaged, these towns could be the beautiful place you call your new home.

Bill Myers is a Colorado native and Berthoud resident who has a wealth of Northern Colorado Real Estate knowledge as an agent of 45 years Visit billmyersrealtor.com or call 970.599.0011

Berthoud is fondly known as the “Garden Spot of Colorado,” Loveland is known for its vibrant art food and microbrewing scene (Photo: Shutterstock)

One of the guiding principles of rural living in these towns is the emphasis on outdoor activities (Photo: Shutterstock)

Don’t blame the product

Have you ever gone to a restaurant and ordered from the server and when your food came, your order was incorrect? I can tell you this has happened to me on numerous occasions.

GABE BODNER

Recently I ordered a chicken salad and when the server delivered my food, I received a chicken salad sandwich instead of a salad. The sandwich looked very tasty, and I am sure it was delicious, but it was not what I ordered. What do you do when this happens? Do you blame the sandwich? What did the sandwich do wrong? Do you blame the cook who prepared the sandwich? I am sure the cook prepared the sandwich perfectly Or do you blame the server who placed the order for a sandwich? I am sure she placed the order properly based on what she heard. Or am I

to blame because I may have misspoken when I ordered my meal.

Clearly there was a misunderstanding somewhere between me ordering, the server taking my order and the cook making the order. However, is the sandwich ever to be blamed in this situation? Of course not, that would be foolish to blame the sandwich when the sandwich did nothing wrong. My good friend and author, Dan Hultquist recently wrote an article titled Stop Blaming the HECM Sandwich which truly resonated with me, and I wanted to share some of it with you as it relates to reverse mortgages.

The Home Equity Conversion Mortgage (HECM) is a type of reverse mortgage that allows homeowners age 62 and above to access a percentage of the equity in their home without any obligation of making monthly mortgage payments or ever being required to pay the mortgage back, as long as the homeowner is occupying the home, paying the property taxes, homeowner’s insurance (HOA dues

if applicable) and maintains the home. This program is an amazing financial tool that provides access to trapped equity without having to pay any income taxes on the money that you take out. Does this all sound too good to be true? Well, it is true, and the program is truly that good. Are there closing costs, absolutely! Nothing in life is free and the HECM is again no exception.

What I want to make clear is that the HECM is a great program that hundreds of thousands of people have utilized and have benefited from. However, the HECM has been blamed for causing problems for some seniors in the past which has unfortunately given reverse mortgages a bad reputation, but the reality is, the problem is not reverse mortgages. The program does exactly what it is designed to do…provide you access to equity without a requirement to ever pay it back, as long as you meet the terms of the loan. So, who is to blame for previous problems? Maybe it was the loan originator for not explaining the loan terms fully. Maybe it was the loan servicer for not receiving the annual occupancy certification on time. Maybe it was the homeowner for not paying their property taxes or homeowner’s

insurance. Maybe it was the heirs who misunderstood the program or were never explained the obligations. I recently received an e-mail from a client who got a HECM just about 9 months ago that I wanted to share with you, so you get a clear understanding of the power of these financial tools:

“It has been nice not to have to worry about expenses since I got my reverse mortgage. I have been able to replace a 38-year-old furnace as well as a 20-year-old hot water heater plus an air conditioner that was at least 23 years old and not worry about my finances. Besides those items, I have had periodontal surgery and ongoing treatments that have not caused undue worry about paying for all of the treatments and two surgeries plus the increases in the cost of living. The reverse mortgage has been such a positive in my life,” said Cathy C.

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

I AM YOUR NORTHERN COLORADO REAL ESTATE SPECIALIST!

OPEN HOUSE QUICK GUIDE

ARVADA

7054 Carr St.

$665,000

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

Mark Bosley

RE/MAX Alliance (970) 846-5813

BERTHOUD

3520 W. County Road 8

$775,000

Sat., 10 a.m.-12 p.m.

Bill Sharp Colorado 1st Realty, LLC (303) 931-6098

BOULDER

1120 Monroe Drive, #D

$449,000

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

Tracy Zaik Compass (303) 859-7271

1160 Juniper Ave.

$599,900

Sat , 12 p m -2 p m

Daryl Smith

RE/MAX of Boulder (303) 818-0233

4084 Greenbriar Blvd.

$699,900

Sat , 11 a m -1 p m

Randy Trahan

RE/MAX Alliance (720) 217-1875

5620 Outlook Court

$830,000

Sat , 12 p m -2 p m

David Vincent

WK Real Estate (720) 234-3383

7051 Roaring Fork Trail

$1,500,000

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

Linda Nehls

RE/MAX of Boulder (303) 668-7670

13287 Gold Hill Road

$1,980,000

Sun , 1 p m -4 p m

Chuck Oppermann

WK Real Estate (303) 541-1919

340 Inca Parkway

$2,000,000

Sat , 1 p m -4 p m

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

Marybeth Emerson Slifer Smith & Frampton (720) 394-1997

935 11th St.

$2,350,000

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

Marybeth Emerson

Slifer Smith & Frampton (720) 394-1997

1323 Wildwood Ct.

$2,725,000

Sat , 1 p m -3 p m

Neil Kearney

Kearney Realty Co.

(303) 818-4055

155 Wildwood Lane

$3,750,000

Sat., 1 p.m.-4 p.m.

Marybeth Emerson

Slifer Smith & Frampton

(720) 394-1997

1520 Kalmia Ave.

$4,299,000

Sat., 1 p.m.-4 p.m.

Lynn Ryan

RE/MAX of Boulder

(303) 489-0309

1401 Mariposa Ave.

$4,500,000

Sat , 2 p m -4 p m

Marybeth Emerson

Slifer Smith & Frampton

(720) 394-1997

2358 Sunshine Canyon Drive

$4,500,000

Sat , 1:30 p m -3:30 p m

Marybeth Emerson

Slifer Smith & Frampton

(720) 394-1997

ERIE

566 Mathews Circle

$970,000

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

Lisa Breternitz

WK Real Estate

(720) 835-7038

630 Benton Lane

$1,100,000

Sat , 1 p m -3 p m

Greg Johnson

RE/MAX Alliance

(303) 717-4380

LAFAYETTE

452 Levi Lane

By Markel Homes

Starting from $549,900

Fri -Mon , 11 a m -5 p m

Thurs , 11 a m -5 p m

Marlita Lazo

Markel Homes

(303) 651-9565

1445 Centaur Village Court

$649,900

Sat , 12 p m -2 p m

Barb Sill-Prantner

MB/Sill-Prantner Realty

(720) 840-1455

590 Beauprez Ave.

$680,000

Sat , 1 p m -3 p m

Karolyn Merrill

Patrick Dolan

(303) 817-2827

LONGMONT

801 Confidence Drive, #12

$449,950

Sat., 10 a.m.-12 p.m.

Suzy Williamson

RE/MAX Alliance

(720) 491-9885

2619 Wedgewood Ave.

$499,000

Sat., & Sun., 12 p.m.-2

p.m.

Matthew Jensen

WK Real Estate

(303) 819-6494

1428 S. Terry St

$545,000

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

Regan Sample

eXp Realty, LLC

(720) 438-5585

5801 Grandville Ave.

By Markel Homes

Starting from $614,900

Fri -Thurs , 11 a m -5 p m

Roz Pinon

Markel Homes

(720) 583-2170

6445 Ute Hwy

$799,000

Sat , 1 p m -3 p m

The Bernardi Group

The Bernardi Group

(303) 402-6000

7025 Goose Point Place

$1,549,000

Sat., 10 a.m.-12 p.m.

Kevin Murray

RE/MAX Alliance (303) 818-9249

8590 N 87th Street

$1,890,000

Sat., 3:30 p.m.-5 p.m.

Peyman Razifard

Modern Prestige Real Estate

(303) 667-8738

4302 Nelson Road

$3,775,000

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

Kevin Murray

RE/MAX Alliance (303) 818-9249

LOUISVILLE 632 S Manorwood Lane

$1,650,000

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

John Hoeffler

WK Real Estate (720) 564-6014

NIWOT 7941 East Sussex Court

$1,195,000

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

Dene Yarwood

WK Real Estate (303) 808-0076

6504 Daylilly Court

$2,397,000

Sat , 2 p m -4 p m

Suzy Williamson

RE/MAX Alliance

(720) 491-9885

To list your open house or view this week’s open houses in more detail, visit: openhomes athomecolorado com

Boulder-Longmont Area Real Estate Statistics

Greeley Area Real Estate Statistics

Total Market Overview

Total Market Overview

Key metrics by report month and for year-to-date (YTD) starting from the first of the year.

Greeley-area key metrics by report month and for year-to-date (YTD) starting from the first of the year provided by Greeley Area Realtor Association.

Sold Listings

Inventory of Active Listings

Loveland-Berthoud Area Real Estate Statistics

Total Market Overview

Total Market Overview

Loveland-area key metrics by report month and for year-to-date (YTD) starting from the first of the year provided by Loveland Berthoud Association of Realtors

Key metrics by report month and for year-to-date (YTD) starting from the first of the year.

Sold Listings

Inventory of Active Listings

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

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

BERTHOUD

Farmstead

Builder: Sage Homes

Rose Farm Acres

Builder: RichmondAmerican

Heron Lakes –

TPC Colorado

Builder: LandmarkHomes, Lifestyle

Custom Homes, TollBrothers

BOULDER

Velo Condos

Builder: Thistle Velo LLC

BROOMFIELD

Baseline Colorado

Builders: Boulder Creek

Neighborhoods, Meritage Homes, Thrive Home Builders

Vive on Via Varra

Builder: Meritage Homes

ERIE

Coal Creek Commons

Builder: Century Communities

Colliers Hill

Builders: Boulder Creek

Neighborhoods, KBHome, RichmondAmerican

Compass Builder: Lennar

Erie Highlands Builder: OakwoodHomes

Erie Village Builder: Porchfront Homes

Flatiron Meadows

Builder: KBHome, Taylor Morrison, TollBrothers

Morgan Hill Builder: Lennar

Rex Ranch Builder: Taylor Morrison

Westerly Builder: McStain Neighborhoods, SLCHomes, WonderlandHomes

Wild Rose Builder: Lennar

FIRESTONE

Barefoot Lakes

Builder: BrookfieldResidential, Creekstone Homes, Lennar, RichmondAmerican Homes

FREDERICK

Seasons at Silverstone

Builder: RichmondAmerican Homes

GREELEY

Northridge Trails Townhomes

Builder: HartfordHomes

Promontory

Builder: Journey Homes

JOHNSTOWN

Park House

Thompson River Ranch Builder: OakwoodHomes

The Ridge at Johnstown

Builder: Bridgewater Homes

Pintail Commons at Johnstown Village

Builder: RichfieldHomes

Mountain View Builder: Baessler Homes

LAFAYETTE

Blue Sage

Builder: MarkelHomes

Avalon Meadows

Builder: Von’s Colorado Concepts

Silo

Builder: Cornerstone Homes

Silver Creek

Builder: MarkelHomes

LONGMONT

Highlands at Fox Hill

Builders: Dream Finders Homes, LandmarkHomes

Terry Street Townhones

Builder: New LeafProperties

LOUISVILLE

North End

Builder: MarkelHomes

LOVELAND

The Enclave at Dakota Glen

Builder: Glen Homes

The Enclave at Mariana Butte

Builder: American LegendHomes

Eagle Brook Meadows

Builder: Bridgewater Homes, Challenger Homes

The Lakes at Centerra

Builder: Bridgewater Homes, LandmarkHomes, KBHome

Kinston at Centerra

Builder: RichmondAmerican Homes, Dream Finders Homes

MILLIKEN

Brookstone

Builder: WindmillHomes

Sunfield Builder: WindmillHomes

SUPERIOR

Downtown Superior

Builder: Thrive Home Builders, Remington Homes

Heights at Downtown Superior

Builder: TollBrothers

Lanterns at Rock Creek

Builder: Boulder Creek

Neighborhoods

Montmere at Autrey Shores

Builder: Koelbel

Rogers Farm Builder: Boulder Creek

Neighborhoods

TIMNATH

Harmony Builder: LandmarkHomes

Serratoga Falls

Builder: American LegendHomes, RichmondAmerican Homes

Timnath Lakes

Builder: TollBrothers

Trailside

Builder: WonderlandHomes

Wildwing Patio Homes

Builder: HartfordHomes

WINDSOR

Country Farms Village Builder: LandmarkHomes

Greenspire

Builder: WindmillHomes

RainDance

Builder: American LegendHomes, HartfordHomes, WonderlandHomes

Seasons at Hunters Crossing Builder:RichmondAmericanHomes

Vernazza Builder: LandmarkHomes

Village East Builder: Journey Homes

FIND YOUR DREAM HOME!

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

Should I pay my mortgage off before I retire? (continued)

loan declining each month If it is deductible, the effective interest rate is less than the face rate. When equity is pulled out and that cash is invested, you invest in something that earns compound interest, the opposite of simple interest To maximize your return on your equity, you want to invest in something that earns compound interest, inside of a tax-favored environment. Then the growth potential is incredible! Combine all those factors and you have activated equity at an increased growth velocity

So how do you combine all factors to optimize your return on equity?

The answer is what my financial planner has coined OUR Plan

The “OUR” stands for Optimized Universal Life Insurance Supplemental Retirement Plan. This amounts to investing within a life insurance policy! Your age and insurability will affect whether or not this will work for you

Advantages of “OUR Plan”

*This plan involves the purchase of

a life insurance policy so you will get a life insurance protection death benefit.

*Your financial planner invests the cash value of your policy where your investment grows tax-free within the life insurance policy

*You can withdraw without tax burden up to the original dollar investment OR Withdraw tax-free with a policy loan!

You may want to pose the question about this idea to your financial professionals and see if it is right for you.

Another option to consider in retirement is a reverse mortgage instead of a “forward” mortgage

Reverse mortgages got a bit of a bad rap in the past. They are no longer the loan of “last resort ” but now a financial tool to be considered

A reverse mortgage can be secured by your present home, but it can even be used for the purchase of a different home. A reverse mortgage might help you stay in your home longer or you could sell your larger home and downsize, using a reverse mortgage to buy your next home.

OPEN HOUSE AND MOVING SALE

FRIDAY & SATURDAY 11AM - 2PM

Other benefits of a reverse mortgage include:

• Loan proceeds are not considered income and are not taxable It may make the difference as to whether or not a retiree can stay in their home by enabling the retiree to get a monthly income rather than make payments.

• The payments made to the retiree are not taxable

• If there is an existing loan, it can be paid off from the initial proceeds of the reverse mortgage

• The formula for the reverse mortgage prevents the mortgage from exceeding the value of the home. When the retiree dies, the estate inherits the home and any equity after the reverse mortgage is paid off.

• There are no restrictions on what the proceeds of the reverse mortgage can be used for.

• A reverse mortgage is a non-

recourse loan

Your financial professionals can help you decide if you want your mortgage loan paid off at retirement or if any of these other ideas work for you.

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

1721 Montgomery Circle, Longmont • $1,250,000

Back on the market with a fresh new look Most of Furniture and home décor is for sale! So many custom upgrades makes it totally unique from similar models The moment you step on the front porch you know your home. Backs to open space farm-land with the most incredible view of Union Res. Look familiar, this home was selected for the 2019 Christmas Home Tour. Primary bedroom sets apart from other bedrooms Classic 5 pc bath with over size Bain Ultra hot air tub Total of 4 bdrm, 5 bthrm, & a study on the main level 3 fireplaces, 3 car attached garage Laundry upper level, Amazing finished basement with workout room Sauna & steam shower. Large wet bar with full sized refrigerator, microwave and dishwasher. Perfect for entertaining, lots of storage space. Professionally landscaped with built in BBQ and beverage refrigerator. Extended Patio, waterfall, Gardening beds, views from the backyard If all this isn’t enough, this home is located in the sought after golf community of Sundance Bordering Ute Creek Golf Course, with private neighbourhood pool & clubhouse Also Borders Jim Ham Nature Preserve with Trails Must see!

Troy Terry

303-956-6793

TroyTerryHomes@gmail.com • TroyTerryHomes.com

views from your front deck, prairie views off of east deck!. Close to I-25 & FOCO.

Home is now finished and ready for you!

REAL ESTATE TRANSACTIONS

The following Northern Colorado home sales were supplied by Colorado Weekly Homebuyers List Inc., 303-744-2020. Listed are the buyer, the property address, the seller and the amount.

AULT

• Mary Solano 106 Linden Oaks Drive, James C Druyff Trust, $440,000

• Thomas & Ashley West 717 Alpine Ave., Bruce Whitaker, $475,000.

BERTHOUD

• George & Mary Watson 298 Dipper Court, Heritage 7th Llc, $490,000

• Elizabeth Quinnkeating 295 Gray Jay Court, Heritage 7th Llc, $509,000.

• Kevin & Donna Moos 1431 Murrlet St., Ashley Vazquez, $565,000.

• Cole Ernsberger 1523 Vantage Parkway, Melody Homes Inc, $579,400

• Bruce & Jesse Andrew 1641 Vantage Parkway, Melody Homes Inc, $613,000.

• Sarah Mead 211 E Michigan Ave., Christopher L Thorne, $625,900.

• Perry Christopher 1375 S County Road 15, Ryan & Elizabeth Dill, $655,000.

• Lawrence & Darla Nochowicz 1581 Rivergate Way, Melody Homes Inc, $760,000.

• David & Deborah Hart 1905 Riverview Drive, Philip & Sarah Shaw, $849,000.

BOULDER

• Helen Satchwell 5942 Gunbarrel Ave. Apt F, Helen & Rosa Satchwell, $200,000.

• Patricia Moreno 3683 Pinedale St. Unit A, Carrie Beth Stone, $221,600.

• Mary Klages 1850 Folsom St. Apt 501, Krista M Braswell, $505,000.

• Patty Holien 2250 Spruce St. Apt B, Molly Invest Llc, $574,000.

• Sophia Aney 3234 47th St., Stuart Schneiderman, $750,000.

• Madhulika Guhathakurta 43 Sunrise Lane, Kimberly & Barry Klugerbell, $1,110,000.

• John & Lindsay Wilson 770 N Cedar Brook Road, David & Jean Vannostrand, $1,340,000.

• Nicholas Woolard 2125 Goddard Place, Michelle & Tadd

Vancil, $1,505,000.

• Joshua & Maeghan Rouch 1495 Redwood Ave., Jens Christian Neubert, $1,935,000.

• Matthew & Shirley Kosmicki 7526 Spring Drive, Energy307 Llc, $4,300,000.

EVANS

• Raleigh & Veronica Callaro 3832 Empire St., Mathew Carman, $320,000.

• Selene Skiles 2607 Quay St., Richard Skiles, $350,000.

• Leo Casillas 2938 Hawk Drive, Bill Mckee, $385,000.

• Matthew & Sarah Daniels 3302 Barbera St., Martin & Alicia Nightengale, $395,000.

• Jazlyn Perea 4306 Pennyroyal Lane, Hpa Borrower 2018 1 Ml Llc, $398,900.

• Thomas Trujillo 3220 Valmont St., Robert R Evans, $405,000.

• Ronaldo Hernandez 4222 Primrose Lane, D Wp Evans Llc, $410,000.

• Alyssa Mannino 4008 Grouse Drive, Melvin Linares, $410,000.

• Carlos Ibarra 4015 28th Ave., Leanne & Troy Green, $431,000.

• Regina Crespin 2621 Port St., Paramjit Singh Rai, $435,000.

• Sean Wilson 3315 Syrah St., Joshua & Dawna Cranmer, $478,900.

Wendy Conder

• Cody & Ashlee Sims 3619 Poppi Ave., Ralph & Audry Gates, $485,000.

• Jose Mendezmorones 2613 Marina St., Aspen Properties Llc, $540,000.

GREELEY

• Jennifer Gettman 614 14th St., Gary R Gettman, $225,000.

• Daniel & Janna Miller 24057 County Road 54, Richard O Miller, $236,900.

• Cory Mallo 1331 15th Ave., First Class Suites Llc, $275,000.

• Jove Martin 1901 6th St., Teodoro Sanchez Nicacio, $284,000.

• Wendy Sontay 2102 Wedgewood Drive Unit, Jan Ramos, $293,000.

• Daniel Bartley 2306 W 8th St., Scott E Johnson, $300,000.

• Maria & Joey Perez 1812 22nd St., Troy & Belinda Bengford, $302,000.

• Lee Castro 5151 29th St. Unit 2305, Ashley Ann Miller, $314,500.

• Jennifer Daigle 5151 29th St. Unit 907, Brooke D Coughlin, $316,000.

• Roy Miller 2648 22nd Ave., John & Susan Cowart, $322,000.

• Ryan Thompson 6607 W 3rd St. Unit 1313, Joanna & Andrew Friedt, $335,000.

• Shannon Jaramillo 1950 29th

Ave., Joshua & Mi Gissendanner, $344,000.

• Russell Archibeque 2214

Mountair Lane, Terrie L Baney, $350,000.

• Hervie & Melinda Kitts 2639 12th Ave., Greeley Acquisitions

Llc, $355,000.

• Dominika Kaszuba 2510 W 5th St., Julie Schmidli, $379,000.

• Realeen Munoz 2402 49th

Ave. Court Unit 29, Sean Patrick Mullen, $379,900.

• Cynthia Abend 2010 46th Ave. Unit 5, Shelley M Haimson, $389,000.

• Gabriel Orquiz 556 E 29th St. Drive, Brian & Amanda Wynne, $410,000.

• Ryan Ward 1726 27th Ave., Hannah & Travis Thomas, $415,000.

• Daniel Nunez 4969 W 8th St., Living Trust Doris E Martin, $417,000.

• Francisco Gonzalez 4809 W 5th St., Paul Dahlgren, $435,000.

• Joyce Wiersma 4640 W 17th St., Roberta Jean Gustafson, $436,000.

• Anh & Thi Nguyen 2220 77th Ave., Matthew John Rosales, $470,000.

• Bryon Walter 1317 52nd Ave., Marvin & Linda Easter, $495,000.

• Allen Stout 5316 W 24th St., Cheri F Gipson, $580,000.

• Vinicius Dearagaodepieri 402 66th Ave., Hartford Constr Llc, $590,200.

• Peggy Monteith 2215 21st Ave., Kathleen Ann Ringel, $600,000.

• Michael & Annette Kinnison 7239 W Canberra St., Mary L Beckmann, $615,000.

• Stephen & Susan Perkins 6600 W 20th St. Unit 12, Nicholas & Janic Francis, $955,000.

• Nicholas & Janice Francis 6600 W 20th St. Unit 24, Peter & Barbara Miller, $1,500,000.

• Matthew & Robin Wikum 1821

Aa St., Gerardo & Bereniz Hernandez, $1,925,000.

JOHNSTOWN

• Tyson Tabler 1128 N 5th St., Redstone Hills Llc, $150,000.

• Deanne Marie 22 S Estes Ave., Denny & Marcia Scroggins, $412,500.

• Krystina & Ryan Baisley 4412 Mountain Sky St., Journey Homes Llc, $449,700.

• Teresa Mendez 863 Crestone St., Lennar Colo Llc, $460,000.

• Haley & Brock Johnson 422 Expedition Lane, Kellen & Alyson Brehm, $465,000.

• Brooke Butkovsky 4316 Mountain Sky St., Journey Homes Llc, $468,000.

• Nathan & Chelsey Hutchinson 904 N 7th Place, Jared Skaar, $490,000.

• Katie Szczerba 4331 Moose St., J J Constr Northern Colo Llc, $499,900.

• Robin & Thomas Ericson 217 Glenroy Drive, Jon Hoffman, $500,000.

• Dustin & Kaylee Thurston 177 Tartan Drive, Douglas Cress Handley, $520,000.

• Lucas & Alyssa Balbuena 656 Crestone St., Century Land Holdings Llc, $525,000.

• Delmar Benkendorf 34 Cayuga St., Amber & Timothy Sansone, $573,000.

• Jacqueline & Joshua Cabrera 811 Columbia St., Lennar Colo Llc, $575,000.

• Alvin & Stephanie Nix 4533 Scenic Lane, Aspen View Homes Llc, $575,000.

• Davi Smart 1608 Mallard Drive, Tyler A Billings, $635,000.

• Kevin & Michelle Hansen 110 W Park Ave., Johnstown Heights Llc, $809,400.

KEENESBURG

• Aaron & Donna Rupp 325 S Main St., Christopher R Hawkins, $352,000.

• Toby Eves 33233 Highway 52, Carl & Sarah Dwyer, $555,000.

• Juan Hidalgo 29644 County Road 6, J Diane Cunningham, $620,000.

LONGMONT

• Scott Golden 844 Baker St., Larry & Larry Stelmack, $192,000.

• Ingrid & Ingrid Delosangeles 50 19th Ave. Apt 24, Joseph Batson, $260,000.

• Dillon Swisher 1889 Queens Drive, Linda Mills, $400,000.

• Michael & Marcia Arensmeyer 330 High Pt. Drive Apt B102, Highlands Foxhill Homes Llc, $456,300.

• Heather Champion 2437 Jewel St., Richard J Tisinai, $462,500.

• Christina Gonsalves 2117 Logan Lane, Orchard Property Ii Llc, $481,000.

• Sean Magee 2300 Sunrise Drive, Thomas & Elizabeth Gosselin, $491,000.

• Tyler & Molly Arndt 4148 Limestone Ave., Melody Homes Inc, $528,400.

• Craig Braski 2413 Bowen St., Derek Ingram Bailey, $531,500.

• Christopher Davis 5334 Sandy Ridge Ave., Todd Andrew Wojtyslak, $540,000.

• Bradley & Carla Hevron 2420 Yukon Drive, Kb Home Colo Inc, $575,000.

• Dat Nguyen 421 Overbrook Lane, Dfh Mandarin Llc, $650,000.

• Dustin Niehoff 4050 Arezzo Drive, Robert Nyboer, $675,000.

• Tracy Ferrell 23 Sunset Circle, Sarah & Joshua Redding, $715,000.

• Daniel Bolger 4012 Ravenna Place, Michael Da, $719,000.

• Scott & Julie Griffith 2071 Condor Court, Thomas & Tamara Buzbee, $719,500.

• Jesse & Katherine Spirio 646 Clarendon Drive, Kathleen & Matthe Braman, $765,000.

• Greg Furlich 1801 Horseshoe Circle N, Tracie Sinclair, $789,000.

• Jennifer & Robert Woods 1766 Harbor Lane, Roylene Phillips, $795,000.

LOVELAND

• Lori & Carl Duke 179 12th St. Sw, Steve & Alisa Raines, $150,000.

• Ralph Olinger 1342 4th St. Se, Roberta R Olinger, $210,100.

• Jessica Kittle 954 Monroe Ave., Mechaiah & Nathan Blackwell, $322,500.

• Keelie Friesen 1555 Peacock Place, Opendoor Property Trust I, $352,000.

• Kimberly Secord 2319 S Colorado Ave., Don & E Johnston, $357,000.

• Sarah Bromley 1817 6th St. Sw, Scott Bullard, $360,000.

• Erin & Keith Garlock 4375 Sunridge Drive, Robin L Seymour, $375,000.

• Thomas & Cheryl Jenkins 621 Radiant Drive, Carmen M Jostes, $432,000.

• Daniel Brake 5008 Ranch Acres Drive, Donald & Kevin Mattson, $438,000.

• Gail Yant 514 Radiant Drive, Virginia Maye Carl, $440,000.

• Jamison Large 926 Grant Ave., Dirk Matthew Kroger, $450,000.

• Jessica Bailis 1935 Sagittarius Drive, Charles & Saleen Vanpatten, $472,000.

• Kanchana Warner 519 Lapis Place, Amanda Tinsley, $472,500.

• Eric & Melanie Stalzer 1548 Adams Ave., Daniel M Valles, $485,000.

• Crismary Thompson 4133 Burr Oak Drive, Scott A Boyd, $485,500.

• Susan Pedersen 206 Greenwood Drive, Roger & Barbara Waldfogel, $494,500.

• Daniel Brown 1125 W Broadmoor Drive, Heidi A Johnson, $503,600.

• Blake & Staaysha Franklin 2599 Anemonie Drive, Brent & Rosalee Johnson, $505,000.

NIWOT

• Erik Bowman 7578 Crestview Drive, Martin Voogel, $1,605,000.

WINDSOR

• Sara Godfrey 909 Conifer Court Apt 2, Judy B Register, $250,000.

• Andrew Jones 1114 Walnut St., Terry Hink, $385,000.

• Bobbi Wells 1512 Flowering Tree Court, Jacob & Kayla Hyland, $405,000.

• Santosh Prakash 1686 Grand Ave. Unit 3, Tyler & Paige Williamson, $415,000.

• Rondi & Peter Dupont 913 Ashbrook Drive, Journey Homes Llc, $420,900.

• Kadie & Ashley Kress 943 Ashbrook Drive, Journey Homes Llc, $422,800.

• Deanna Durnford 315 N 7th St., Red Barn Holdings 7th Llc, $425,000.

• Santos Carranza 1015 Maplebrook Drive, Journey Homes Llc, $427,300.

• Rorey & Nicki Schreibvogel 906 Ashbrook Drive, Journey Homes Llc, $440,000.

• Caleb & Jessica Ford 956 Maplebrook Drive, Journey Homes Llc, $441,000.

• Kyle Hannis 939 Maplebrook Drive, Journey Homes Llc, $442,900.

• Cory Younie 909 Maplebrook Drive, Journey Homes Llc, $442,900.

• Hallie Macdonald 957 Maplebrook Drive, Journey Homes Llc, $443,900.

• William & Nancy Wilkes 1653 Sorenson Drive, Kathy Anne Hernandez, $459,900.

• Debra Ray 951 Maplebrook Drive, J J Constr Northern Colo Llc, $464,900.

• Nolan Sherrill 5515 Congressional Court, Richmond Am Homes Colo Inc, $490,000.

• Adrian & Jennifer Anaya 932 Maplebrook Drive, J J Constr Northern Colo Llc, $505,700.

• Dylan & Amara Hunt 937 Ashbrook Drive, J J Constr Northern Colo Llc, $509,500.

• Clint Tyler 605 Hemlock Drive, Tyler Family Trust, $529,100.

• Tammy Todd 1858 Garden Flourish Court, Elizabeth M Wright, $535,000.

• Matthew & Kristen Taibi 567 Red Jewel Drive, Windmill Homes Co, $547,000.

• Chad & Holly Minning 5921 Indian Wells Court, Richmond Am Homes Colo Inc, $555,000.

• Corey & Brianna Jones 1983 Moon Rise Drive, Brightland Homes Colo Llc, $605,000.