At Home Colorado

COLORADO

ATHOMECOLORADO.COM

COLORADO HOME & REAL ESTATE

CONTRIBUTING WRITERS

Gabe Bodner

Michaelle Bond

Emma Castleberry

Cathy Cowles

Vicky Dorvee

Duane Duggan

Jennifer Egbert

Cathy Hobbs

Tom Kalinski

ADVERTISING CONSULTANTS

Thais Hafer

Toni McNeill

REAL ESTATE ADVERTISING DIRECTOR

Mary Romano

MANAGING EDITORS

Greg Stone

Misty Kaiser

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

To advertise, call 303.473.1456.

A Marketing Feature of

Five reasons your pricing strategy can backfire

Sellers frequently ask whether it would make sense to list a home at a high price to leave “room to negotiate.”

room to negotiate on an offer that is never received.

The buyer isn’t the only one you must convince

for the perfect buyer.

Appraisal gaps are limited

At Home Colorado is a Marketing Feature that is produced weekly by Prairie Mountain Media. dailycamera.com greeleytribune.com reporterherald.com timescall.com athomecolorado.com

©2022 Prairie Mountain Media.

CATHY COWLES

Despite low inventory and an ongoing sellers’ market, this approach can backfire!

Buyers compare the details

If buyers compare your listing to another listing of the same price with a better view, nicer finishes, more square footage, or more bedrooms or bathrooms, those buyers might not request a showing on your house. There’s no negotiating with a buyer who won’t bother to look at your property.

Lingering longer on the market leads to the declining value Houses on the market for too long cause buyers to wonder what’s wrong with the property. Stale listings are like stale bananas; buyers will just leave them on the shelf. There is no

THINGS TO DO

Northern Colorado Home and Garden Show

Presented by Greeley Tribune

March 3, Noon to 5 p.m.;

March 4, 10 a.m. to 4 p.m.;

March 5, 10 a.m. to 3 p.m. Island Grove Event Center, Greeley (Free) NoCoHomeandGardenShow.com

CSU Master Gardeners

Winter/Spring Online Series

Presented by CSU Extension

March 8, April 12, 12-1 p.m. Free Virtual Event Registration Required zoom.us/webinar/register/ WN_8qimhkmXQ16F_tjxXO55LQ

Two people decide whether the buyer is paying too much: the buyer and the lender (through an appraisal). An appraisal below the purchase price – even if the purchase price is below the list price – opens the door for even further price negotiations. There’s no hard-and-fast rule that the seller must drop to the appraised value, but the contract could fall apart. The seller would then need to start marketing the home all over again, trying to find another buyer, likely at a lower list price.

Buyers are leaving themselves some wiggle room

With a very low inventory of homes to choose from, buyers assume they may need to offer above the list price if a competitive bidding situation arises. Many buyers are limiting their searches to listings below their max price point so they can leave a little wiggle room if needed. Pricing your home too high might push your home outside of the search parameters

Panel on Regenerative Land Use that Addresses Climate Change

March 8, 1:30 to 3:30 p.m.

Kittredge Central Hall, CU Boulder Campus, 2480

Kittredge Loop Drive, Boulder Free.

www.colorado.edu/pwr/panelclimate-solutions-natural-localregenerative

Raised in the Rockies Kids Expo & Summer Camps Fair

Presented by Boulder Daily Camera & Longmont Times-Call

Sat., March 11

Boulder JCC, 6007 Oreg Ave., Boulder – Free Admission

Buyers will sometimes guarantee the purchase price if the appraisal is at or above the list price but will often not guarantee a gap below the list price. Pricing above the expected appraised value could leave sellers without the guarantee that they’re relying on.

Ultimately, current buyers in the market will make the final decision on what they are willing to pay. Having a professional Realtor help you list your home at the correct market price will be the key to getting your home sold.

Cathy Cowles is a broker associate/partner at Sears Real Estate. A Greeley native, Cathy specializes in residential properties in Northern Colorado and has extensive experience in a Fortune 50 corporation leading large project teams, managing challenging schedules, solving operational problems, and performing strategic planning and financial analytics. Contact Cathy at 970.302.6623, ccowles@searsrealestate.com, or visit searsrealestate.com.

raisedintherockies.com/2023-kidsexpo-and-summer-camps-fair

Growing Gardens Gardening Class: Front Range Veggie

Gardening 101

March 9, 6 to 8:30 p.m.

Growing Gardens, 1630

Hawthorn Ave., Boulder, $45 growinggardens.org

Longmont Home Show

March 24, 12-6 p.m.

March 25, 10 a.m.-5 p.m.

March 26, 11 a.m.-4 p.m.

Boulder County Fairgrounds

9595 Nelson Rd., Longmont longmonthomeshow.com

Homebuyers and homeowners: new FHA plan could bring savings

There is good news for the 850,000 homebuyers and homeowners with new FHA-insured mortgages.

quarter of 2022, are targeted at homebuyers who otherwise may not be able to achieve homeownership. This costlowering measure will make buying a home more attainable and affordable for more lowand middle-income borrowers, HUD reports.

TOM KALINSKI

FHA recently announced a reduction in its annual mortgage insurance premium (MIP). The plan will cut mortgage insurance costs by 30% for buyers who take out Federal Housing Administrationbacked mortgage loans, from 85% to 55% for most new borrowers.

The reduction could save 850,000 homebuyers and homeowners an average of $800 this year, according to a recent announcement.

The discount takes effect on March 20.

The savings could be felt by rst-time and repeat homebuyers who bought their home with less than a 20% down payment. Rule-of-thumb guidelines have long held that homebuyers should save 20% of the purchase price of a home to use as a down payment. But the 20% down rule is no longer so hard and fast for many homebuyers, especially as real estate values climbed steeply during the pandemic years.

The solution to higher home prices for many was to shortcut the down payment and put

down less than 20% on their home purchase. The typical down payment for rst-time buyers was six percent, while the typical down payment for repeat buyers was 17%, according to the 2022 Pro le of Home Buyers and Sellers recently released by the National Association of Realtors® (NAR).

Those who buy their home with less than 20% down are required to purchase mortgage insurance, which also requires getting a Federal Housing Authority or FHA-insured mortgage. The MIP is the monthly fee that homeowners with FHA-insured mortgages pay to insure their mortgages, which is paid in addition to the monthly principal and interest payments.

Even as home prices soared

in recent years, homeownership remains the American Dream — the goal many aspire to achieve. The status stems from the continued place of homeownership as the principal source of wealth creation for most American households.

The nationwide shortfall of affordable homes and increased demand for housing fueled by changing lifestyles from the pandemic has moved the goalpost signi cantly for many homebuyers. Today’s announcement is an important step in making homeownership more attainable, according to the announcement from the Department of Housing and Urban Development (HUD). FHA-insured mortgages, which accounted for 7.5% of home sales in the third

HUD statistics show that over 80% of FHA borrowers are rst-time homebuyers, and over 25% are homebuyers of color. The average home purchased with FHA-insured mortgages costs around half the price of the overall national median home and has an average mortgage amount of less than $270,000.

In addition, FHA’s underwriting policies will now allow positive rental history to be included in a lender’s evaluation of an applicant’s creditworthiness for an FHAinsured mortgage, which should make it easier for rst-time homebuyers to qualify.

Read the full announcement at www.hud.gov/press/press_ releases_media_advisories/ hud_no_23_041.

Tom Kalinski is the broker/owner of RE/MAX of Boulder, the local residential real estate company he established in 1977. He was inducted into Boulder County’s Business Hall of Fame in 2016 and has a 40-year background in commercial and residential real estate. For questions, email Tom at tomkalinski33@gmail.com, call 303.441.5620, or visit boulderco.com.

Can ChatGPT help sell homes? Here’s how one real estate agent uses it

By Michaelle Bond The Philadelphia Inquirer (TNS)

Real estate agents are always looking for ways to be more e cient and connect with home buyers and sellers. ey try to gure out how best to use their resources and which tools to pull out of their tool belts.

One new tool growing in popularity across elds is the chatbot ChatGPT, which uses arti cial intelligence to respond to prompts in a conversational way. It has made headlines for accomplishing such feats as passing a Wharton professor’s MBA exam.

e technology is not yet widely used in the real estate industry, but some tech-savvy agents are trying it out.

Michael Severns, principal listing specialist and broker of record at a Red n o ce based in Wayne, Pennsylvania, shared how he uses ChatGPT.

Saving time and playing to strengths

Showing homes to clients and negotiating on their behalf are time-consuming tasks for real estate agents. At the same time, agents also have to constantly work to make connections and develop leads to bring in new clients.

“I’m inherently lazy, so I try to nd the easiest way to do things,” Severns said. “ is tool is fantastic for somebody like me.”

He uses ChatGPT to generate social media and blog posts. And he has another app that schedules his social media posts across his accounts.

He posts on Medium.com and asks the chatbot to act as an editor. It cleans up his writing and makes his comments more succinct. He can even ask it to add some humor into a blog post.

“I’m not that great of a writer,” he said. “ at’s why I love ChatGPT.”

He recently posted about 10 things potential buyers should check when they tour a home. He fed ChatGPT a checklist he gives to

buyers and asked it to act as a real estate agent and explain why the 10 items on the list are so important.

He feeds ChatGPT industry news and asks it to rephrase the information from the point of view of a real estate agent.

“ e capabilities and the things it can do are phenomenal,” he said.

It’s one way he stays in front of possible home buyers and sellers. In between scheduled posts, he throws in some personal ones to further connect with people.

Staying up-to-date

Severns uses ChatGPT to keep track

of the topics of the day.

He asks it questions such as “What are 10 social media post topics I should do as a real estate agent?”

Relating to different demographics

Severns is 45 and acknowledges that he doesn’t know everything the youngest home buyers are into. He said arti cial intelligence helps him connect with di erent demographics.

“I can say, ‘Act as an advertiser and rewrite this article to engage with 18- to 35-year-olds,’ and it will do that,” he said.

Combining tech with knowledge

ChatGPT is far from perfect. Sometimes the chatbot gives Severns wrong information, so he makes sure to double-check what it comes up with.

He doesn’t have the chatbot do everything. Descriptions of homes in listings, for example, are written by a “really phenomenal” listing coordinator at Red n, he said.

He has talked to other real estate agents who are afraid of the technology and don’t want to learn to use it, but Severns said he’s enjoying the perks.

“It’s just another tool that we can use in our toolbox,” he said.

OpenAI, whose online chatbot ChatGPT made waves when it was debuted in December, had about 100 million users in the month of January, it’s estimated. (Photo: Leon Neal/Getty Images/TNS)

Increasing the velocity of your money with home equity management

equity is pulled out and that cash is invested, it is invested in something that earns compound interest, the opposite of simple interest. To maximize your equity management plan, you want to invest in something that earns compound interest inside a tax-favored environment. Then the growth potential is incredible! Combine all those factors and what you have is activated equity at an increased growth velocity.

So how do you combine all factors in one equity management plan?

Home prices have increased across the country since the end of the recession in 2012, through the COVID-19 pandemic, and now continuing in 2023.

Colorado and the Front Range have seen even more appreciation than the national average. Huge increases in home equity and lowinterest rates make it very tempting to pull equity out of your home to buy that zippy new car and bigscreen TV.

Initially, the COVID-19 crisis caused job losses, which made much of the country realize they could only pay their bills for a couple of months after income from their job had stopped. In light of that, you might ask yourself, “What can I do to prepare myself for the next crisis?” or “Should I pay off my mortgage or borrow against the house and invest the cash?” Today, we will discuss getting your mortgage paid off on the one hand and refinancing to get cash out on the other. Having a home free and clear of any mortgage or investing the equity in a growth environment can be a benefit if there has been a job loss or other crisis.

My parents grew up in a generation where it was important to get the mortgage paid off—and even have a mortgage-burning party!

When I was in college, I learned about the deductibility of mortgage interest, keeping the mortgage balance high, and investing cash from mortgage proceeds. Now, with the mortgage issues of the great recession of 2007 to 2012, many people are in the frame of mind to get their mortgages paid off.

Two techniques homeowners can use to build equity in their homes are known as Mortgage Acceleration and Mortgage Offset accounts.

Mortgage Acceleration is the process of paying off a mortgage earlier than a 30-year amortization schedule would provide. If extra payments are made, the principal goes down faster. But what if you encounter tough times and want your money back? You can’t call the lender and say, “I’ve been paying extra principal, can I have some of it back?” That’s an argument for investing what could have been made in extra principal payments into something that is accessible if cash needs arise.

A Mortgage Offset Account is a process of taking what would have been extra principal payments and placing them in an account to save and receive a return, then taking the cash accumulated and using it to pay down the mortgage when desired. In the meantime, cash is still there for emergency needs.

Using your home equity to increase the velocity of your money

takes a little different twist than the techniques described above. Those techniques are used when your goal is simply to pay your house off. Whereas in many cases, homeowners will pull cash equity out of their home to spend on consumer items, vacations, etc., a better alternative would be to invest in what grows not in what shows. You could borrow against your equity and buy more real estate (what grows). You could borrow against your equity and buy more real estate (what grows) instead of that flashy sports car (what shows). True equity management, however, involves pulling equity out of your home through refinancing and INVESTING it in the proper investment vehicles. After all, equity has no rate of return unless you activate it!

Equity in real estate grows as a result of the loan being paid down and values increasing, but remember, equity itself, does not have a rate of return. Combine the proper investments with mortgage acceleration techniques and the deductibility of mortgage interest, and you have a powerful wealthbuilding tool. That is very confusing because most people believe that the rising prices of houses are giving you a return on your equity.

Maximizing equity management

Interest on a home, which is usually deductible, is simple interest with the loan declining each month. If it is deductible, the effective interest rate is less than the face rate. When

The answer is what my financial planner has coined the “OUR” Plan. “OUR” stands for Optimized Universal Life Insurance Supplemental Retirement Plan. This amounts to investing in a life insurance policy.

Advantages of “OUR” Plan:

• You purchase 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 a tax burden up to the original dollar investment OR withdraw tax-free with a policy loan.

The bottom line is that you can build a nice nest egg using this technique. Learning from the pandemic, we can see it is very important to set the stage for financial sustainability in the event of income loss. To design a home equity management plan that works for you, team up with your CPA, financial planner, and attorney to investigate the possibilities.

Duane has been a Realtor 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.

DUANE DUGGAN

Colorado State University Extension: Dreams of homegrown veggies can come true

By Vicky Dorvee Colorado State University Extension

There are few more sunshiny optimistic processes than the planning of a vegetable garden. It’s when the minds’ eye and the minds’ nose imagine robust green stalks sporting earthy-smelling ruby tomatoes, aromatic basil bushes and orange domes of frilly sweet carrot crowns.

When garden planning is executed well, homegrown food brings great joy. Now is the time to relish that gratifying preparation, and here are a few tips to help you along the way.

If you’re new to growing veggies, there are some basic first steps. Evaluate what areas in your growing space get six to eight hours of direct sun a day and have decent, welldrained soil. All is not lost if you don’t have one or both of these conditions. Many vegetables grow in less-than-ideal sun situations, and even the toughest soils can be amended over time.

Installing raised garden beds no more than 3 to 4 feet wide makes it easier to start with rich soil, to plant early in the season because the beds warm up quickly, and to avoid soil compaction by reaching into rather than stepping into the beds.

If you’re feeding your household, plan on allotting 100 square feet of garden space per person. But, maybe you’d also like to give away some of your harvest to those in need, in which case you should apportion extra room. The CSU Extension Grow & Give program is an excellent resource for donating your produce (visit GrowGive. extension.colostate.edu.)

Place your new garden near a water source. With a handheld hose, run it low and slow. Low so it’s close to the soil to avoid wet leaves, which can lead to diseases, and slow because the force of the water can move seeds around. Drip and soaker hose irrigation offers the most efficient delivery, putting the water directly at soil level to reduce evaporation.

Veggies don’t have to grow in

the ground — container gardening achieves three goals: placing plants for optimum sun, controlling soil quality and extending garden space.

Experienced vegetable gardeners can consider what has grown well in the past and where to place each crop this year. Rotating placement reduces soil-borne pests, soil diseases and soil nutrient depletion.

Have your trees grown to the degree that they now shade gardens that were once sunlit? It may be time to carefully trim them or to relocate your veggie beds. Consult a licensed

arborist for larger pruning jobs.

And now the best part — what to grow. Is a tomato fresh off the vine your idea of heaven? Are cukes and zukes a staple in your diet? Why not have them just outside your door? Any fun, funky veggies you’re curious about? If you’ve the means, try some of those, too.

Block planting allows you to grow more in a smaller space, save water and reduce weeding. Take into consideration what garden real estate each plant will fill by reading seed packets and plant labels. You’ll be

surprised how much you can grow in a small space.

For loads of resources regarding growing vegetable and herbs, including the topics mentioned in this article, visit cmg.extension. colostate.edu.

For more information on this and other topics, visit extension. colostate.edu or contact your local CSU Extension Office.

Vicky Dorvee is a Colorado State University Extension Master Gardener in Boulder County.

Now is the time to plan

this year’s vegetable garden. (Photo: Vicky Dorvee — Colorado State University Extension).

Sonders Fort Collins

A New Home Community Designed for Tomorrow – and Beyond

By Emma Castleberry At Home Colorado

Sonders Fort Collins is a place for active people – an intentionally broad category. From eager retirees with a wealth of passion projects and social motivation to a person who may never retire but simply wants a lowmaintenance lifestyle that allows them to pursue their favorite activities, the community is designed for active agers with no age limit – anyone at any age who wants more time for the meaningful things and less of the humdrum.

The community’s name comes from the word sonder, which refers to the realization that each random passerby is living a life as vivid and complex as your own. At Sonders Fort Collins, your neighbors are each living their best life, and the community is designed to

support that on an individual and group level.

How Sonders Fort Collins creates the ultimate low-maintenance lifestyle A home at Sonders is more than just walls and a roof – it’s an experience that allows you to live as good as healthy feels. The chores are taken care of, so you and your loved ones can get out and experience, engage, and create meaningful moments together.

Sonders does it all, from the simple supports like trash and recycling collection to the more demanding elements of landscape maintenance, including weekly mowing, spring aeration and fertilization, and watering and irrigation. When you wake up to a white blanket of snow in the winter at Sonders, you can cozy up with a cup of coffee rather than strapping on your snow boots

to go shovel – snow removal is just another way that the community allows you to enjoy life’s special moments, rather than getting bogged down in the tedium.

Amenities that add richness to your Sonders lifestyle

There are plenty of ways to use your newly-found time at Sonders. A list of remarkable community amenities are under construction, providing something for every resident. The campus-style Sonders Learning Center includes a main structure, resort-style pool, outdoor kitchen and lounge area. The Learning Center also features three studios: the BODY Studio, dedicated to exercise and physical movement; the ART Studio, for residents to exercise their creative muscles; and the ARTS Studio, a think tank and lifelong learning area.

But one doesn’t need to be indoors to experience meaning at Sonders Fort Collins. In addition to acres of open space, miles of soft and hard surface trails, and easy access to regional trails, the community has a collection of unique, nature-immersive parks. As we look forward to spring, the many natural spaces at Sonders will be rich with leafy green trees and pops of oral color.

Designed as an educational exploration opportunity, Evernew Park features an outdoor gathering area and restroom facility, as well as displays on various

sustainability and energy conservation including solar and wind displays. The nearby Flourish Park, a neighborhood gardening center, offers an opportunity for residents to get their hands dirty with individual garden plots, orchard areas, and four fragrance and sensory garden experiences.

At Serene Park, a naturally preserved area for access near Richards Lake, residents can listen to the rhythm of the water and even experience the water actively via non-motorized boats including canoes, kayaks, and paddleboards.

There’s even a dedicated space for furry family members at Sonders Fort Collins. The Wag Around Dog Park is a fenced area where your canine companion can experience the freedom and exuberance of the Sonders lifestyle.

Smart luxury: Sustainable homes that support your health

Just ve miles from the Old Town Square in downtown Fort Collins, Sonders Fort Collins will feature all single-level living new homes that will age gracefully with their owners. Low, seamless thresholds make for simple, easy movement throughout the spaces.

Bridgewater Homes, a local, EnergyStar builder, now has three model homes open. Bridgewater is selling expansive, luxury homes in six ranch-style oor plans at Sonders, featuring large outdoor areas, beautiful

nishes and plenty of space for gathering, cooking, and entertaining. Each plan includes a three-car garage, with options to expand to a ve-car garage. Starting in the mid $600s. Come tour the model home to experience a luxury lifestyle at Sonders with all of your senses. Also available for purchase at the Sonders Fort Collins community are three completely new collections of healthy homes by Colorado home builder Thrive. Their awardwinning green building program meets the highest standards of LEED®, Indoor airPLUS, Zero Energy Ready Homes and Energy Star®. Thrive also offers an all-electric option for buyers through their carbon-neutral building approach, Thrive Carbon-Wise.

The rst model home in Thrive’s Harmony Courtyard Collection will open on March 18. This collection features

modern, thoughtfully-designed single-level homes with large porches and spacious, comfortable interiors. With these new homes, Sonders residents will bene t from superior air quality and the comfort of knowing their home is taking good care of them and the planet. Look forward to more information on these incredible living spaces in the coming months.

Get in on the ground floor of low maintenance living at Sonders Fort Collins

Learn more about the pleasure of living as good as healthy feels at Sonders by joining the Sonders Forum at sondersfortcollins.com.

Prospective residents can provide information about their needs and wants through surveys, playing an active role in the development of this special new community.

OPEN HOUSE QUICK GUIDE

BERTHOUD

911 High Mountain Drive

$1,999,000

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

Janet Borchert

WK Real Estate

(303) 263-3215

BLACK HAWK

292 Pinon Circle

$779,000

Sat., Noon-2 p.m.

Jackie Jones

RE/MAX Alliance

(303) 250-7353

BOULDER

795 Newland Court

$1,275,000

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

Lindsey Hughes

Compass Boulder (720) 456-2576

2161 Jonathan Place

$1,678,000

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

Firuzeh Saidi & Brandi Numedahl

Compass Colorado (303) 931-8203

ERIE

138 Bonanza Drive

$774,000

Sat., 1-3 p.m.

Joshua Legare

WK Real Estate (720) 325-7394

110 Nova Court

$825,000

Sun., 1-3 p.m.

Jim Thomas

RE/MAX Alliance (303) 543-0625

FORT COLLINS

1801 S. County Road 5

$695,000

Sun., 1-3 p.m.

Marty Kleeberg

RE/MAX Alliance - Fort Collins (970) 690-9676

LAFAYETTE

452 Levi Lane by Markel Homes Starting from $524,900 Fri.-Mon.,11 a.m.-5 p.m.

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

Marlita Lazo

Markel Homes (303) 651-9565

LONGMONT

805 Summer Hawk Drive, #Y-146

$440,000 Sat., 11 a.m.-1 p.m.

Natasha Hubbard

RE/MAX Alliance

(303) 909-3810

747 Snowberry St.

$499,900

Sat., 2-4 p.m.

Phil Booth

Colorado Landmark

(303) 817-8307

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

MILLIKEN

1531 S. Haymaker Drive

$450,000

Sat., 1-3 p.m.

Jenny Oliveira Getting

WK Real Estate

(970) 534-1188

WESTMINSTER

2390 Ranch Reserve Ridge

$2,980,000

Sat., 11:30 a.m.-2 p.m.

Mia Ness

Colorado Landmark

(720) 273-7567

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

Are you looking for a little elbow room? This gorgeous & modern custom home sits on 1.5 ACRES & was built new in 2018 offering an incredible kitchen with a huge center island for entertaining & top of the line appliances. Wonderful outdoor spaces with stamped concrete & covered back patio, raised bed gardens, chicken coop & plenty of room for all your toys in the 800+ SQFT outbuilding/workshop.

1717 IRIS AVE., BOULDER

4 Bedrooms + Office • 3 Bathrooms • 3,375 SQFT • $1,975,000

Beautifully maintained & updated Craftsman-style home sits on an oversized 1/3 ACRE lot and is centrally located in Boulder convenient to walking/biking paths, parks, Pearl St & 29th Street. The traditional floor plan offers wood flooring, plenty of natural sunlight, updated kitchen, bathrooms & newer windows. Finished basement with separate entrance & 2-car detached garage.

4 Bedrooms + Office • 4 Bathrooms • 3,360 SQFT • $1,770,000

Exceptional top-to-bottom sophisticated renovation of this low maintenance patio home just steps from the Boulder Country Club! The open and modern floor plan offers vaulted ceilings, spacious living areas, a gorgeous Chef ’s kitchen with huge center island & custom floating staircase that leads to a luxury primary suite & bath. Private & fenced back patio/yard with pergola.

CEDARWOOD CIR., GUNBARREL

IRVING CT., BROOMFIELD

RETIRE RIGHT

To wait or not to wait, that is the question

As Americans, we are typically very reactive versus proactive. I am here to tell you that nothing gets better with time except fine wine and cheese (at least that is what I am told). Let’s take a few examples that many of us can relate to in our everyday lives. Let’s talk about going to the Doctor… do you go to the Doctor more often when you are healthy or when there is something wrong? That’s right, we rarely go to the Doctor for a “healthy visit” except maybe once per year. Most of us wait to go to the Doctor until there is a problem and in many cases, the problem has been there for a while and by waiting, the problem has gotten worse.

What about your car or truck? Do you bring your car to the mechanic

when there is nothing wrong to simply check the vehicle out or do you bring your car in when you have a problem? That’s right, we usually wait to bring our vehicle in to get checked out until there is a problem, other than maybe an oil change every 6 months or so. The same mindset applies to our finances. Most people wait until there is a problem to call a financial advisor for help or get a financial check-up and by the time you need help, it could be too late.

This is why I believe it is important to get an umbrella before it rains. Why wait until a rainy day to go out and purchase an umbrella, wouldn’t you rather be prepared in the event of a rainy day? This is ultimately the philosophy that I take with my clients as it relates to their retirement plan…do not wait for retirement to then come up with your plan. Do not wait until your finances are in trouble to come up with a plan. Do not wait until “life happens” to figure out what options

801 Brooklawn Drive, Boulder

you have.

I typically recommend clients explore the benefits of a reverse mortgage before you “need” one. Getting a reverse mortgage earlier in life (closer to age 62) is generally better than getting one later in life. On the surface, you may be better off waiting to get a reverse mortgage but that might not be entirely true. The reason I say that is because three primary factors determine how much equity a homeowner can access via a reverse mortgage. These three factors are:

Age of the youngest borrower

Current home value or FHA Max claim amount

Current interest rates

If you look at these factors on the surface, you could potentially conclude that it is better to wait to get a reverse mortgage. By delaying or waiting to get a reverse mortgage, two of these factors appear to work in your favor:

Getting older typically results in a higher percentage of the money you can access (referred to as a principal limit factor).

Homes historically appreciate, and one could assume access to more equity if the home value is higher in the future.

However, when you look at the benefit of each of these factors, they are usually small increases, especially compared to the risks of waiting. Let’s take a closer look at how each of these factors might increase your borrowing percentage:

$2,650,000

Modern

framing expansive views of the southern exposed backyard. Entertainers will delight in the open concept kitchen, living room & dining room with its seamless indoor & outdoor flow to your backyard oasis. Stunning custom kitchen w/ quartzite counters, Thermador appliances, massive center island & prep sink. The primary suite w/ attached bonus room has an elegant spa bath w/ soaking tub, curbless marble shower, luxury fixtures & brand new custom walk-in closets. Lower level rec room, complete with its own high end kitchen, is per fect for movies or separate guest quarters and completes the home’s tremendous separation of space w/ its own kitchen, large daylight windows & huge bedroom w/ bath. Relax outdoors on the bluestone patio or one of the multi-tiered decks w/ built in benches/ planters & hot tub. This magnificent setting includes a detached cottage /office/rental income, EV charging station, irrigation well, fruit trees & screened porch all 25 minutes from downtown Denver Owner financing possible.

Matt DePofi

303.545.5555 • mdepofi@thelandmarkgroup1.com

Each year that you get older, your borrowing percentage increases by around 0.8% of your home’s value. If you consider a home value of $800K, that could mean an increase of around $6K or so per year.

If your home is $800K and it appreciates by 4% (this is the national average appreciation historically), that is a $32K increase in home equity and that would increase your available funds with a reverse mortgage by around $11K.

When you add these amounts up, the increase in your available equity would be around $17K for this scenario. That gain in available equity is nice, but it is relatively small compared to the risks and potential costs of waiting. So, let’s now compare the risks of waiting: Interest rates. Remember, your

borrowing percentage is also based on interest rates. If interest rates increase by 1%, that decreases your borrowing percentage by around 4.7%. Therefore, as we have seen interest rates go up over the last 9 months, this has significantly reduced the borrowing percentage homeowners have access to much more compared to the $11K above.

Compounding growth on the available Line of Credit (LOC). Your available equity can be placed into a growing LOC. The longer you have this LOC in place, the more growth you will see, and the more compounding growth you will also see in your available funds in the future.

Costs of ongoing mortgage payments. If you are still making mortgage payments, you must also consider the costs of continuing to make monthly payments. If your monthly mortgage payment is $1,000 per month, that is $12K per year that you will continue to spend on traditional mortgage payments. The longer you wait, the more money you will spend servicing your current mortgage and the ongoing costs are likely to be greater than the future benefit.

No guarantees for the future. There are simply no guarantees that these amazing loan programs will be available in the future with the same benefits and same structure as they are today. These programs have changed a lot over the years and have mostly gotten better and are much safer than they had been, but we do not know what will happen in the future.

Overall, the benefits of doing a reverse mortgage when you are closer to age 62 and not waiting, generally outweigh the benefits of waiting. Every situation is different and must be considered on a caseby-case basis to determine the best time for you.

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.

GABE BODNER

estate on a private fully fenced short acre in the City of Boulder showcasing 5000 + SQF, 6 bedrooms and 6 baths. Also unique to this property is the quaint detached cottage providing potential rental income of $2,000+ month. Once inside you’re greeted with an abundance of natural light & floor to ceiling windows w/ doors

Remodeled & Spacious with Mountain Views! w w w.260.wkre.com

300

19th Street

Janet

4200 County Road 19 Fort Lupton 3 Bed, 3 Bath $2,490,000 Incredible

custom ranch on 16 acres! w w w.4200.wkre.com

Green: 303-775-2553 13053 East County Line Road

926 4th Avenue

Lyons

500

Green:

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

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

BERTHOUD

Farmstead

Builder: Sage Homes

Rose Farm Acres

Builder: Richmond American

Heron Lakes –

TPC Colorado

Builder: Landmark Homes, Lifestyle Custom Homes, Toll Brothers

BOULDER

Velo Condos

Builder: Thistle Velo LLC

BROOMFIELD

Baseline Colorado

Builders: Boulder Creek

Neighborhoods, Meritage Homes, Thrive Home Builders

Vive on Via Varra

Builder: Meritage Homes

ERIE

Coal Creek Commons

Builder: Century Communities

Colliers Hill

Builders: Boulder Creek

Neighborhoods, KB Home, Richmond American

Compass Builder: Lennar

Erie Highlands Builder: Oakwood Homes

Erie Village Builder: Porchfront Homes

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

Morgan Hill Builder: Lennar

Rex Ranch

Builder: Taylor Morrison

Westerly

Builder: McStain Neighborhoods, SLC Homes Wonderland Homes

Wild Rose

Builder: Lennar

FIRESTONE

Barefoot Lakes

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

FREDERICK

Seasons at Silverstone

Builder: Richmond American Homes

GREELEY

Northridge Trails Townhomes

Builder: Hartford Homes

Promontory

Builder: Journey Homes

JOHNSTOWN

Park House Thompson River Ranch

Builder: Oakwood Homes

The Ridge at Johnstown

Builder: Bridgewater Homes

Pintail Commons at Johnstown Village

Builder: Richfield Homes

Mountain View Builder: Baessler Homes

LAFAYETTE

Blue Sage

Builder: Markel Homes

Avalon Meadows

Builder: Von’s Colorado Concepts

Silo

Builder: Cornerstone Homes

Silver Creek

Builder: Markel Homes

LONGMONT

Highlands at Fox Hill

Builders: Dream Finders Homes, Landmark Homes

Terry Street Townhones

Builder: New Leaf Properties

LOUISVILLE

North End

Builder: Markel Homes

LOVELAND

The Enclave at Dakota Glen

Builder: Glen Homes

The Enclave at Mariana Butte

Builder: American Legend Homes

Eagle Brook Meadows

Builder: Bridgewater Homes, Challenger Homes

The Lakes at Centerra

Builder: Bridgewater Homes, Landmark Homes, KB Home

Kinston at Centerra

Builder: Richmond American Homes, Dream Finders Homes

MILLIKEN

Brookstone

Builder: Windmill Homes

Sunfield

Builder: Windmill Homes

SUPERIOR

Downtown Superior

Builder: Thrive Home Builders, Remington Homes

Heights at Downtown Superior

Builder: Toll Brothers

Lanterns at Rock Creek

Builder: Boulder Creek

Neighborhoods

Montmere at Autrey Shores Builder: Koelbel

Rogers Farm Builder: Boulder Creek

Neighborhoods

TIMNATH

Harmony Builder: Landmark Homes

Serratoga Falls

Builder: American Legend Homes, Richmond American Homes

Timnath Lakes Builder: Toll Brothers

Trailside

Builder: Wonderland Homes

Wildwing Patio Homes

Builder: Hartford Homes

WINDSOR

Country Farms Village

Builder: Landmark Homes

Greenspire

Builder: Windmill Homes

RainDance

Builder: American Legend Homes, Hartford Homes, Wonderland Homes

Seasons at Hunters Crossing

Builder: Richmond American Homes

Vernazza Builder: Landmark Homes

Village East Builder: Journey Homes

FIND YOUR DREAM HOME!

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

STYLE AT HOME

Trends that are on the way out in interior design

Whether you’re thinking about listing your home in Boulder or are simply an interior design enthusiast, you may be interested in keeping tabs on the ebb and flow of interior design. We’ve all heard that trends are cyclical, and this is certainly true in a sense. Trends in both fashion and interior design tend to shift slowly, decade by decade. As we begin 2023, we’re seeing new preferences emerge while many are on the way out. Interested in learning more about features that may date your home? Here’s a glimpse of what’s no longer en vogue:

JENNIFER EGBERT

Modern farmhouse aesthetic

The modern farmhouse look has had its time in the spotlight for the

better part of the last decade. This style is defined by neutral color palettes, smooth lines, and rustic

elements. While this look can work well for homes on acreage, expect modern farmhouse-inspired décor

to be less prevalent in 2023 and beyond.

The modern farmhouse look has had its time in the spotlight for the better part of the last decade.

Broker | Owner

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

Splashy appliances

Appliances reminiscent of the 1970s (think: avocado green) have been popular recently, but interior designers are moving away from this retro trend. If you love an unexpected pop of color in your kitchen, there are still many ways to incorporate this in a more contemporary way. Art is always at home in the kitchen, so feel free to get creative with how you express your more colorful side.

Statement shelves

Those of us with minimalistic preferences will be glad to know that statement shelves are on the way out this year. I love that shelves are done having their moment, as any space feels less cluttered when you let the artistry of your home shine (rather than objects).

Brass and gold hardware

There’s a lot to be said for simplicity, which may be why flashy brass and gold hardware are on the decline.

These metallic finishes have been commonplace for quite some time, but we’ve already begun seeing different stylistic touches emerge this year. Look for understated hardware to take the place of gold or brass as 2023 unfolds.

If you’re like me and love keeping up with the latest in interior design, I hope these insights were enlightening. Staying apprised of trends is beneficial for anyone who doesn’t want their home to look dated, and is especially important if you’re preparing to list your property.

Jennifer is an award-winning, licensed Realtor® at milehimodern real estate with more than twenty years of experience. She specializes in Luxury neighborhoods, home builders and current market conditions. Visit jenniferegbert.com, e-mail by visiting jenniferegbert.com/ contact or call 720.802.3050.

REAL ESTATE TRANSACTIONS

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

BERTHOUD

• Kim and Troy Myers -- 827 Winding Brook Drive, Alaina and Caleb Monteil, $390,000.

• Logan Tierney -- 1585 Vantage Parkway, Melody Homes Inc, $549,100.

• Lauren and Thomas Saunders -- 1545 Vantage Parkway, Melody Homes Inc, $571,000.

• Edward and Jeannete Hickok -- 2742 Prairie Flax St., Heron Townhomes LLC, $610,000.

• Michael and Jacquie Yoches -- 2752 Prairie Flax St., Heron Townhomes LLC, $689,200.

• Pablo and Alejandrina Medina -- 3301 Tranquility Court, Arlen and Racel Mcmurray, $1,175,000.

• William and Kimberly Francis -- 2659 Heron Lakes Parkway, Solace Custom Homes LLC, $2,400,000.

BOULDER

• Frances Jenner -- 3725 Birchwood Drive Apt 17, Elizabeth Marie Kirk, $345,000.

• James Riemersma -- 4680 White Rock Circle Apt 2, John Jordan, $441,500.

• Maria Martic -- 1557 Bradley Drive, Adam Michael Kurtz, $735,000.

• Rainer Grote -- 4624 Harwich St., Wendall L Borchert, $755,000.

• Jacques Hoerter -- 1380 Riverside Ave., Mark Gerzon, $920,000.

• Jessica and Matthew Rogers -- 750 Gilpin Drive, Farid Fordham, $955,000.

• Julie Devlin -- 3301 Arapahoe Ave. Unit 306, Judy S Herreid, $960,000.

• Eric Cohen -- 1510 Oak Ave., 3601 Park Ave Assoc LLC, $1,300,000.

• Joel Feldman -- 1158 Quince Ave., Eat 2201 LLC, $1,577,000.

• Kathleen Stevenson -- 3242 4th St., John S Daniel, $1,600,000.

• Annette Quintana -- 2847 Tincup Circle, Mary J Miller Trust, $2,005,000.

• Toby Calabrese -- 829 13th St., Kate Blake Ellesworth, $2,085,000.

• Matthew and Sarah Heck -805 Brooklawn Drive, Lary and Frances Milner, $2,150,000.

• Caroline Marra -- 735 14th St., Brian and Debra Dunn, $3,450,000.

EATON

• Molly Nelson -- 344 Red Bud Court, Jessie Aragon, $385,000.

• Allen and Janie Lasnier -14421 County Road 76, Donald F Hopkins, $758,000.

ERIE

• Justina and Randall Rushing -- 371 Smith Circle, Kyle Fritch, $395,000.

• Kevin and Jessica Houlihan -1411 Banner Circle, Opendoor Property Trust I, $662,500.

• Matthew and Tammy Bone -306 Rodden Drive, Kb Home Colo Inc, $685,100.

• Julian Jacquin -- 112 Painted Horse Way, Kyle and Kelsi Wallace, $700,000.

• Ashal and Ganesh Bahadur -- 1931 Miranda Road, Lennar Colo LLC, $720,000

• Caroline Klatman -- 1930 Miranda Road, Lennar Colo LLC, $735,000.

• Caleb Jares -- 1737 Holeman Drive, Hendrix Hepker Family Trust, $745,000.

• Ray and Marie Brown -- 887 Sundance Lane, Gregory K Hecht, $950,000.

EVANS

• Sherri Gates -- 3746 Ponderosa Court Unit 4, Suzanne and Vane Bouchard, $285,000.

• Cyrus Lobue -- 4313 Yellowbells Drive, D Wp Evans LLC, $400,000.

• Jeffrey Welker -- 4009 27th Ave., William J Mckee, $400,000.

• Mariana and Soledad Rodriguez -- 4201 Yellowbells Drive, D Wp Evans LLC, $405,000.

• Cesar Muniz -- 3217 San Mateo Ave., Sergio and Erendi Torres, $430,000.

• Carlos Garcia -- 3506 Rialto Ave., Tyson J Tabler, $515,900.

FORT COLLINS

• Camila Tomasel -- 2960 W Stuart St. Apt B202, Kari D Adams, $274,500.

• Jaqob Martinez -- 802 Waterglen Drive Unit E20, Thomas

and Tiffany Bockmann, $353,000.

• Nathan Cazell -- 2226 Maple Hill Drive, Monte O Florea, $480,000.

• Jody Snow -- 715 Locust St., Moustafa and Lodew Elrashidi, $500,000.

• Ashlyn and Deborah Deborah -- 2132 Mainsail Drive, Eric Kelley, $500,000.

• Carol and Kevin Steinbock -- 731 N Taft Hill Road, Walker Living Trust, $510,000.

• Kelsey Pinckney -- 1973 Massachusetts St., Antonia and Cartwright, $525,000.

• Jonathan Baker -- 717 Greenfield Court, Destiny J Freeman, $558,000.

• Ariella Foss -- 1500 Welch St., Opendoor Property Trust I, $577,500.

• Jacob and Kayla Levine -6002 Autumn Breeze Court, Dfh Mandarin LLC, $620,000.

• Katherine and Michael Hans -- 401 Smith St., Patricia and Ralph Tvede, $625,000.

• Malcolm Robertson -- 3201 Red Mountain Drive, Alison E Tompkins, $677,000.

• Kathleen and Mario Campanella -- 2933 Biplane St., Hartford Constr LLC, $683,700.

• Lisa Langmo -- 1701 Norwood Lane, Trevor and Ann Yates, $695,000.

• Thomas Brewer -- 721 Cherokee Drive, Brian and Dee Salisbury, $700,000.

• Daniel and Kelly Rosenfeld -- 4512 Cliffside Court, Todd and Kathleen Genschoreck, $745,500.

• Traci Mierzwa -- 300 Yale Way, Connor Roumph, $750,000.

• Catharine Mcdermott -- 3303 Wild View Drive, Jeremiah and Rebecca Pomerleau, $800,000.

• Amanda and Brent Harkins -- 833 Roma Valley Drive, Steven and Kathleen Mason, $895,000.

• Mary and Dudley Griggs -- 407 E Prospect Road, Robert and Steffanie Silverman, $896,900.

• John Tamaska -- 1409 Glen Eagle Court, Sung Soo Lee, $1,032,600.

FORT LUPTON

• Charles and Krystel Degross -- 503 S Rollie Ave. Unit 4b, Lupton Village Townhomes LLC, $327,800.

• Daniel Gasser -- 2209 Monte Vista St., Melody Homes Inc, $430,000.

• Ellen Westover -- 2218 Monte Vista St., Melody Homes Inc, $448,800.

GREELEY

• Lara Duran -- 917 5th Ave., Carlos A Reyes, $250,000.

• Adrian Loera -- 1420 28th Ave., Gregory Dean Stingerie, $344,500.

• Jason Evarts -- 2453 Alpine Ave., Michael T Robins, $347,000.

• Dany Castro -- 2315 W 6th St., Casey Beshears, $367,000.

• Necole and Aaron Hockersmith -- 531 26th Ave. Court, Recycled Properties LLC, $369,900.

• Naysa Din -- 2232 Ash Ave., Raul Rivera, $375,000.

• Lila and Milgar Solis -- 2444 W 24th St. Road, Doriane and Vincent Yannucci, $390,000.

• Michael Smith -- 2432 W 6th St., Jenny and Baquiax, $392,500.

• Kyle Herder -- 10105 17th St., Journey Homes LLC, $417,300.

• Joseph and Nicole Chapman -- 2210 10th Ave., Jack E Kramer, $450,000.

• Ricky and Tanya Johnson -- 219 N 62nd Ave., Melody Homes Inc, $457,000.

• Angela and William Clauser -- 10444 17th St., Journey Homes LLC, $467,100.

• Stephen and Alexandra Bergheim -- 10428 17th St., J J Constr Northern Colo LLC, $482,900.

• Osvaldo and Brecken Acosta -6112 W 15th St., Terence and Lori Campbell, $495,000.

• Oscar Perez -- 3911 W 7th St., Gerald L Grantzinger, $495,000.

• Nicholas and Brandy Prosser -- 2117 44th Ave., Kathleen Altergott, $565,000.

JOHNSTOWN

• Brock and Keahi Esqueda -- 296 Oriole Way, Baessler Townhomes Colo LLC, $369,600.

• Michael Wright -- 2104 Redhead Drive, Paul and Karla Handley, $450,000.

• Jana and Craig Houtz -- 740 Crestone St., Century Land Holdings LLC, $470,000.

• Brent and Leah Bertsch -- 434 Homestead Lane, Dakota and Brianna Spellman, $485,000.

•

• Ariel and Nathan Romont -668 Columbia St., Lennar Colo

DESIGN RECIPES 10 tips to find storage solutions

By Cathy Hobbs Tribune News Service (TNS)

Whether it’s a small closet, large pantry or linen closet you want to keep tidy, organization is key to maximizing space and productivity. One philosophy that works: Everything should have a place, and be in place. But what is the best way to achieve this sense of functionality and order? Here are some of our top organizational tips.

1. Keep items in clear containers or jars. Being able to see what you have is half the struggle to help prevent

LLC, $510,000.

• Paul and Amy Kelly -- 654 Columbia St., Lennar Colo LLC, $540,000.

• Geoffrey Howell -- 3434 Sandalwood Lane, Austin and Br Cruttenden, $575,000.

• Jared Thill -- 103 Plover Way, Damon and Taryn Sickmon, $575,000.

• Brendan and Lacy Moran -- 10 Saxony Road, Laurie and Robert Griesman, $623,000.

LONGMONT

• Carlos Tellez -- 1948 Kentmere Drive, Reina Davalos, $300,000.

• Wesley Mason -- 449 Morgan Road, Juan Perez Garcia, $423,000.

• Connor and Alexandra Polodna -- 1410 Whitehall Drive Unit A, Shirley Metsker Living Trust, $425,000.

• Stephen Wehner -- 1256 Atwood Court, Darby L Keffeler, $440,000.

• Marissa Kahen -- 2498 Winding Drive, Kb Home Colo Inc, $539,800.

• Allison Baxter -- 1921 Sunlight Drive, Angela Beth Tropf, $560,000.

• Chloe Malveaux -- 2427 Yukon Drive, Kb Home Colo Inc, $562,400.

• Elisabeth Moger -- 869 Widgeon Circle, Jason E Fobes, $565,000.

• Philip Allen -- 647 Nelson Park Lane, Chris G Hansen, $575,000.

purchasing items you already own.

2. Practice the one in, one out rule.

3. Purge seasonally. Instead of the once-a-year cleanup, consider evaluating what to keep and what to toss more often.

4. Buy bins, baskets or containers to store small items.

5. Scan it! Gone are the days where boxes of documents or file cabinets full of paper are a necessity.

6. Just say no. Say no to items or inherited heirlooms you simply don’t have space or a need for that will sit in a closet or attic and collect dust.

• Lella Rankin -- 2423 Yukon Drive, Kb Home Colo Inc, $575,800.

7. Take new items out of boxes. Boxes are bulky and take up a lot of space.

8. Go slim. Huggable hangers and collapsible items can help maximize space.

9. Create cubbies or shelves to house items of various sizes.

10. Consider built-ins (be thoughtful and purposeful).

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

$450,000.

SUPERIOR

• Alexis Dietze -- 8084 Meadowdale Square, James W Ringel, $670,000.

• Haotien Chiang -- 6 Purdue Court, David and Jane Hill, $750,000.

• Eric and Tracy Gustafson -1534 Bluemoon Drive, Amy and Barry Lee, $762,500.

• Mark and Ann Sondergard -- 2002 Kentmere Drive, Ila Jo Bales, $822,500.

• Arnaud Froidmont -- 1813 Dorothy Circle, Shannon and Logan Thomas, $860,000.

• Adam Williams -- 847 Tempted Way Drive, Mark C Carrington, $865,000.

• Alexander Arman -- 7215 Lookout Road, P Street Properties LLC, $1,050,000.

LOVELAND

• Robert and Sally Holtkamp -- 2016 Lily Drive, Michael and Carrie Keirns, $385,000.

• Robert Whitrock -- 737 E 6th St., Ardith J Kuxhausen, $390,000.

• Noah Harbour -- 2367 Oleander Court, Grail Capital LLC, $400,000.

• Kaari and Walter Nieuwlandt -730 S Gilpin Ave., April Packer, $400,000.

• Jared Sickels -- 534 E 12th St., Lee William Billmire, $412,500.

• Josiah Cuckler -- 2276 Darla Court, Allison Bryn Baker,

• Albert Martinez -- 1200 Loch Mount Drive, Deanna J Biesecker, $465,000.

• Cody and Alison Clausen -- 8625 Pfitzer Road, Sylvia Clausen, $470,000.

• Christine and Timothy Paul -4145 Greenhorn Drive, Tatlac LLC, $494,000.

• Jerry Whittaker -- 2894 Empire Ave., Barbara Jean Strom, $530,000.

• Jacob Anderson -- 5175 Brandywine Drive, Carlyle and Carol Petersen, $630,000.

• Michael Fortin -- 1566 26th St. Sw, Diana P Wade, $750,000.

MILLIKEN

• Joe Hyder -- 679 Depot Drive, Opendoor Property C LLC, $445,000.

• Courtland and Caroline Hacker -- 41 E Ilex Court, Timothy L Swartz, $460,000.

NUNN

• Natalie Unger -- 46921 County Road 33, Arnell and Melvin Woodard, $450,000.

SEVERANCE

• William Larson -- 1140 Ibex Drive, Richmond Am Homes Colo Inc, $450,000.

• Lucas Plese -- 1034 Urial Drive, Richmond Am Homes Colo Inc, $496,300.

• Amy Mccarthy -- 1715 Bright Shore Way, Joseph Sanger, $665,000.

• Andrew and Maddie Maddie

-- 122 Douglas St., Bc Rogers Farm LLC, $610,500.

• Yiyuan Wang -- 3132 W Yarrow Circle, Kristi L Livingston, $622,500.

• Chandler and Patricia Ann

-- 2292 Bristol St., Susan and Joshua Newhouse, $850,000.

• Nicholas and Brooke Hergott

-- 2245 Central Park Way, Toll Southwest LLC, $1,084,300.

TIMNATH

• Lydia Spencer -- 4425 Lyceum Court, Weekley Homes LLC, $600,000.

• Candace and Freddie Banks

-- 5653 Foxfire St., James A Hejmanowski, $755,000.

• Richard and Diane Wulterkens -- 6432 Tuxedo Park Road, Toni D Castiglioni, $885,000.

WINDSOR

• Michael Medina -- 6139 Carmon Court, John Gover, $525,000.

• Steven and Marilyn Groeteke

-- 1619 First Light Drive, Craig and Lindsey Harris, $525,000.

• Rahul Verma -- 1845 Tinker Drive, Eduardo Mendez Yilaly, $605,000.

• Shadya Yazback -- 5624 Shady Oaks Drive, Richmond Am Homes Colo Inc, $757,400.

• Jonathan and Courtney Bledsoe -- 5455 Tiller Court, Christopher and Amy Mccune, $855,000.

Built-in organization including a built-in dresser helps keep a primary bedroom closet organized. (Photo: Scott Gabriel Morris/TNS).