At Home Colorado - Northern Colorado Edition 10.20.18

REAL ESTATE

Open Home Listings, Builder Spotlight, Homes for Sale, Rentals and More!

atHome Colorado Home & Real Estate | AtHomeColorado.com

5 TIPS On Selecting A Mortgage Company

Quick Guide and Featured Open Homes Looking for a home? View comprehensive listings of local open homes taking place this weekend from all across the area.

October 20-21, 2018

4 signs you’re not ready to be a homeowner — and what to do about it You may be mentally ready to purchase a home, but are you financially ready?

Loveland Reporter-Herald – AtHomeColorado.com

When should I DIY toilet fixes?

Plumbing fixes are intimidating and can go wrong quickly. Which fixes are okay to do yourself and which should be left to the pros?

AT HOME

1

atHome COLORADO HOME AND REAL ESTATE

ATHOMECOLORADO.COM CONTRIBUTING WRITERS Cathy Hobbs Paul F. P. Pogue Carol O’Meara Deborah Kearns Suzanne Plewes Andrew Khouri Ilyce Glink Samuel J. Tamkin

ADDITIONAL CONTENT Tribune News Service ADVERTISING CONSULTANTS Thais Hafer, Toni McNeill EDITOR/FEATURES COORDINATOR Misty Kaiser

At Home is an Advertising Feature published by the Loveland Reporter-Herald. ©2017 Prairie Mountain Media.

SEND US YOUR NEWS. At Home welcomes news from the local community on real estate/home tips, events, hirings, advancements, awards, community involvement and other information of interest to the Boulder County and Northern Colorado areas.

Submitted items should be non-promotional in tone.

Visit AtHomeColorado.com/ Submit-Your-News.

ADVERTISING INFORMATION: To advertise in At Home or to promote your open house contact Thais Hafer at 303.473.1456, Toni McNeil at 303.684.5329 or visit AtHomeColorado.com/Advertise To submit an open house listing, visit AtHomeColorado.com/ SubmitOpenHouseLoveland.com.

FACEBOOK.COM/ ATHOMECOLORADO

2

AT HOME

HOME TECHNOLOGY

3D printing is reimagining the way we live today (BPT) - When additive manufacturing technology - better known as 3D printing - was first invented more than 30 years ago it was intended to make the product design and manufacturing process more efficient.

At that time, 3D printing was used primarily as a way to create prototypes to validate and perfect product design, but the inventor, Chuck Hull, had no idea how it would change the way we live.

Today, 3D printing has evolved beyond product prototypes only used by industrial designers and engineers. Manufacturers all over the world now rely on additive manufacturing to produce final parts and products that are purchased and experienced by mainstream consumers across the marketplace. This includes parts in automobiles and appliances, medical and dental implants, custom prosthetic limbs and food, and has also become an important component in interior design, reinventing what you think is possible.

The 3D printed future When Kallista, a division of Kohler, sought to execute its new Grid Sink Faucet design, the company quickly realized the idea could not be executed via traditional manufacturing methods. Rather than sacrifice the design, the team turned to 3D printing. Working with 3rd Dimension - an additive manufacturing services provider - Kallista employed a layer-bylayer production approach on 3D Systems 3D printing technology to manufacture the faucet to the exacting specifications of the designer. The resulting faucet is significantly stronger and more durable than if it had been produced using traditional manufacturing methods. By carrying through the designer’s vision, Kallista created a faucet that shifted away from excessive decoration and materials to instead expose a design that

boasts the clean, understated lines of minimalist form.

The result was a faucet that delivers on its design without compromising functionality.

Additional benefits of 3D printing While 3D printing solutions are inspiring designers everywhere, giving them the opportunity to expand their creativity, 3D printing also offers several other benefits to companies and consumers, including: UÊ A single source of efficiency and strength. “Some assembly required” is a catchphrase synonymous with traditional manufacturing and it is that assembly that also exposes the end product to errors in the pieces, poor construction and added time to fabricate the object. However, because 3D printed objects are made in one solid piece, they solve many of these issues. They are structurally stronger, free of connection weaknesses and expertly assembled to specifications.

UÊ Environmental consciousness. While traditional manufacturing takes raw materials and trims them down to the finished product, 3D printing builds the desired piece by adding material as the process

Loveland Reporter-Herald – AtHomeColorado.com

goes along. This means it essentially utilizes only the amount of material necessary to create the object. The result is less waste and a reduced environmental impact.

UÊ Faster results, favorable returns. The 3D printing process offers a new level of accuracy and rapid part production with the ability to reduce - and in many cases, eliminate - material waste, which also favorably impacts a project’s overall bottom line.

Reimagining what’s possible Since its creation, the Kallista Grid Faucet has been nominated for and won seven awards, including “Best In Show” at the Kitchen & Bath Industry Show in 2018. It is proof that the technology of 3D printing is reimagining the rules for manufacturing and design. As 3D printing continues to evolve, it will push the boundaries in product design and production.

3D printing is transforming manufacturing and the doors to what is possible are suddenly wide open.

To learn more, visit kallista. com.

October 20-21, 2018

ASK ANGIE’S LIST

When should I DIY toilet fixes?

You can solve some toilet problems yourself, but don’t hesitate to call a plumber if you exceed your own skills. (Dreamstime)

By Paul F. P. Pogue, Angie’s List Angie’s List(TNS)

You depend on your toilet to work day in, day out. But when things go wrong with the toilet, they can go very wrong indeed.

Fortunately, when you run into toilet trouble, you can frequently solve the problem yourself.

Consider these tips for common toilet problems. However, keep a realistic assessment of your own skills. If you get in over your head in trouble, don’t hesitate to call in a professional. When you don’t know what you’re doing, you can easily make things worse.

HOW TO HANDLE TOILET CLOGS Many toilet problems go back to clogs: something stuck in the pipes that just won’t budge. The first solution is that most iconic of plumber’s tools, the plunger.

When plunging a clog, make sure to position your plunger to create a tight seal around the opening.

Position it in the drain opening and push down, forcing the air out of the plunger. Then continue with several rapid up and down movements. You may have to try this several times. Lift the plunger out of the water to let more air

into it between each effort.

Are your other drains working normally? If not, the clog is apparently in the main drain and no amount of plunging will dislodge it.

If the toilet is the only fixture affected and plunging doesn’t work, you could try dissolving the clog — but don’t use harsh chemical products. Put one cup of baking soda and one cup of vinegar in the toilet and let it sit for about eight hours. The chemical reaction that occurs between the two substances might help break down whatever is clogging the drain.

To prevent future clogs: Don’t flush any materials other than toilet paper. Feminine products should go in the trashcan, not the toilet. Many plumbers even recommend against putting “flushable wipes” down the drain because they don’t degrade well and can cause clogs down the line.

Keep the counter space around the toilet and the back of the tank clear of small objects that might fall in without being noticed.

DESIGN RECIPES

The do’s and don’ts of fall fragrances

By Cathy Hobbs Tribune News Service(TNS) What does your home say about you? What is the first or lasting impression? In many instances, the unseen can make a lasting impression, whether positive or negative. We are talking about scent. Fragrance can be powerful when it comes to either attracting or distracting.

And for many, infusing scents is part of the experience for guests.

When looking for ways to infuse fragrance and scent into your home, here are some tips.

DO: 1. Look for natural scents (as opposed to artificial). Lemons, limes, oranges and their natural scents can be used to help infuse natural fragrance into your home.

October 20-21, 2018

Lavender is a popular home scent. (Dreamstime)

2. Consider using plants and herbs. Sage and lavender are two of the most popular and make wonderful scents either individually or in combination.

3. Use soy candles. Soy candles burn cleaner than paraffin and are a wonderful way to infuse scents.

4. Make your own potpourri or scented sachets. From dried petals to spices, herbs and plants, making your own potpourri or sachets will create a longer-lasting fragrance.

5. Use essential oils. Essentials oils either alone or blended into soy candles or potpourri can help extend the life of your fragrance (do your research; some may be harmful to pets).

DON’T: 1. Use artificial sprays and aerosols. Not only are the majority of these scents unattractive, many are also not good for the environment.

Loveland Reporter-Herald – AtHomeColorado.com

WHAT TO DO ABOUT A ‘PHANTOM FLUSH’ On occasion, you may hear your toilet flush itself. Though this can be disconcerting to hear in the middle of the night, it’s no ghost and no home intruder. Instead, the phantom flush indicates that water is leaking from your tank into the toilet bowl. Thanks to the physical laws that make toilets work, when enough water fills the bowl, it flushes automatically.

In most cases, a worn-out flapper in the tank causes this leak.

Test for a leak by putting a few drops of food coloring in the tank and waiting to see if it becomes visible in the bowl without flushing. You can hire a plumber to replace the flapper, or if you feel handy enough, you can purchase the parts at a hardware store and try it yourself.

——— Paul F. P. Pogue is a reporter for Angie’s List, a trusted provider of local consumer reviews and an online marketplace of services from top-rated providers. Visit AngiesList.com.

2. Use automatic sprays and plugins. These are an absolute turnoff and may send the signal your home may not be fresh.

3. Use harsh chemicals and bleaches as cleaners. Harsh chemicals can emit fragrances that can disturb and irritate the senses. Lemon juice mixed with borax and water can make a great natural cleaner.

4. Forget to keep textiles such as drapery and carpeting clean and fresh. Odors are trapped in textiles and keeping them fresh and clean will help maintain the desired scent.

5. Introduce toxic smells into your home such as cigarette smoke. In many instances, these odors take a long time to eliminate.

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

AT HOME

3

OPEN HOUSES THIS WEEKEND

SATURDAY 12-2 134 FOSSIL CT W, FORT COLLINS

SATURDAY 1- 3 3221 HUCKLEBERRY WAY, LOVELAND

SATURDAY 1- 3 37050 SOARING EAGLE CIRCLE, SEVERANCE

SUNDAY 11-1 4423 PIKA DR., LOVELAND

Ranch home in desired Fossil Meadow Neighborhood.

4 bedroom home with hardwood floors in the living area with 3 bathrooms and finished basement. Newer Air Conditioner and Newer Hot water heater make this a great affordable first time home or a great investment opportunity. Ready to close quick.

Stunning custom ranch style home w/ beautiful views on 2.1 acres will amaze you! Luxury upgrades throughout! Ultimate 7,000sqft heated outbuilding w/ indoor multi-purpose basketball court, shop, loft w/ lift, HUGE RV Bay and more!

This spectacular private home on 2 acres backs to open space & has beautiful views. The kitchen & spa-like master bath remodels are amazing. 7 garage spaces plus a shop & finished apartment above detached garage. Basement features theater room, wet bar & more for entertaining!

5bd, 4ba home in Mariana Butte. Upgrades include SS appliances w/gas range, fresh carpet, refinished wood flrs, Trex decking private backyard & finished garden level. 3 beds + loft on upper level. 2 private beds in bsmtt w-3/4bath & spacious family rm. Kitchen opens to informal eating area + family rm w/gas fireplace.

$1,175,000 MLS# 847613 Jason Filler 970-222-7031

$329,900 MLS# 863621 Melissa Doherty 970-391-5800

SUNDAY 1-3 895 LEPUS DRIVE, LOVELAND Beautiful, 2 ½ yr old home w/ 5BR, 4 BA. In-home office is separated from the main floor living areas. Upstairs laundry, 3 BR’s & master w/fireplace & mtn. views! Finished bsmt w/ family room, full bath & bdrm. The backyard is fully fenced & nicely landscaped.

SATURDAY 10-5 & SUNDAY 11-5 3134 CRUX DR., LOVELAND This brand new 3BD 3BA 2,802 sf 2 story is ideal for entertaining! Open floorplan & awesome kitchen with island, gas range & beautiful cabinets. Great master retreat & loft!

Unfinished basement. Great location! Visit Sales center at 3085 Crux Dr. $367,260 MLS# 859825 Matt Nesbitt Bill 970-393-3102

$485,000 MLS# 861438 Rita Greywood 970-391-8838

SATURDAY 12-2 6341 SEA GULL CIRCLE, LOVELAND MOTIVED SELLER, BRING ALL OFFERS $5,000 INCENTIVE FOR SELLER CONCESSIONS Amazing 2-story home in Waterfront! 4/4 w/fin. Bsmnt, 2696 fin SqFt, Newer HW floors in kitchen & carpet. Private comm, boat dock, near park, wlking trls, sand v-ball & swim dock. Composite deck & hot tub! $420,000 MLS# 862828 Mitch Benner 970-214-8430

$1,077,000 MLS# 861453 Todd Fields 970-218-3535

Blas Estrada 970-324-6177

AT HOME

SATURDAY 10-5 & SUNDAY 11-5 3183 CRUX DR., LOVELAND

SATURDAY & SUNDAY 11-1 2544 CHAPLIN CREEK DR., LOVELAND

This brand new 3BD 2BA 1,405 sf ranch is gorgeous! Open floorplan & awesome kitchen with island, gas range & undermount sink. Private master retreat with large shower, dual sinks & walk-in closet. Great location! Visit Sales center at 3085 Crux Dr.

New lux Wonderland Home at the Lakes at Centerra. Main flr w/2 large BRs, tech area, 2.5 BAs, wood flrs & lux kitchen.

Unfin walkout bsmnt w/access to landscaped yard. Deck w/ scenic views & private side patio. 3 car garage, oversized laundry & owner’s entry.

$339,950 MLS# 854426 Matt Nesbitt Bill 970-393-3102

SATURDAY 11-1 1554 HOMELAND STREET, LOVELAND

$585,000 MLS# 861774 Tiffany Luthi 970-691-4838

Jeff Clough 970-215-4803

$656,873 MLS# 831064

Beth Buman 720-313-1162

SATURDAY 1-3 5004 SINGLE TREE DRIVE

Tiffany Luthi 970-691-4838

$359,000 MLS# 860540 Kathy Beck 970-213-8475

Brandi Garifi 720-291-0899

HARMONY OFFICE 970.229.0700

HORSETOOTH OFFICE 970.223.0700

CENTERRA OFFICE 970.613.0700

MULBERRY OFFICE 970.221.0700

OLD TOWN OFFICE 970.493.0700

LOVELAND OFFICE

Loveland Reporter-Herald – AtHomeColorado.com

Jerry Beers 970-397-2868

Fantastic 4-bed, 2 bath ranch plan w/ 9’ ceilings throughout Express Homes by DR Horton on a spacious home site backing to greenbelt! This home offers window coverings, walk-in closet, large kitchen pantry & granite counter tops in kitchen! Full landscaping included. Model at 538 2nd St.

$599,000 MLS# 859484

Jeff Clough 970-215-4803

Zach Laue 970-689-2440

TUESDAY-SATURDAY 10-6 & SUNDAY 12-6 425 3RD STREET, SEVERANCE

4bd/3ba/4048 SF Ranch home! Turn-key home! Beautifully 5bd/4ba/4,213 SF 2 story home! Open desirable floor plan landscaped & low maintenance yard. AC/Heated detached with finished basement! Beautiful relaxing deck with views studio! Int has new wood flooring, renovated master and and a spacious yard. Easy access to Trails and Rocky Mtns! baths, solar tubes & much more! Finished basement. Home has wired security system.

FOR A COMPLETE LIST OF ALL OUR OPEN HOUSES VISIT WWW.THEGROUPINC.COM 4

$418,000 MLS# 863168 Jake Tillitt 970-999-4888

970.663.0700

October 20-21, 2018

OPEN HOUSES THIS WEEKEND

SATURDAY 2-4 371 BLACK STONE CIRCLE

SATURDAY & SUNDAY 1-3PM 669 RADIANT DRIVE, LOVELAND

SATURDAY 12-5 713 N. COUNTRY TRAIL, AULT

SUNDAY 12-2 8108 ARKINS COURT, LOVELAND

This 3000 sq. ft. walk-out ranch w/ a total of 5BD & 3BA in the Mariana Butte golf community is a peach of a home! New paint & tile. Main floor master suite, laundry & living room w/ FP flowing on to large deck w/ awning. Finished lower W/O level w/ 2BD & large flex rm. Ready to move into now!

Enjoy a low maintenance lifestyle in this wonderful patio home w/ a 3 car garage in Circle Park! Offering 3 beds, 2 baths, vaulted ceilings, gas fireplace & sunroom w/ built-in grill + master suite w/ 5-piece bath. Affordable monthly HOA includes lawncare & snow removal!

*Visit model @ 602 Conestoga Dr.* The Lucca has covered porch & kitchen w/ island opens to great room. Upstairs has master w/ vaulted ceilings, 5pc bath & walk-in closet. Also upstairs is loft 2 bedrooms connected by a Jack & Jill bath.

Custom ranch w/walkout bsmt on 1/2 acre in Arkins Park Sub. 4 bdrms & 4 bas. Great room w/double-sided FP, upgraded kitchen, formal dining area, downstairs-rec room, theater room, office & bdrm. Fenced area w/garden beds & storage shed. Room for outbuilding or 4H projects.

$400,000 MLS# 863103 Rob Mygatt 970-227-6489

$325,000 MLS# 864831 Alycia Martinez 303-994-6307

$327,500 MLS# 859424 Sara Horner 970-443-8556

$710,000 MLS# 852040 Cindy Kurtz 970-962-6832

When you list your property with The Group, Inc. Real Estate you receive SATURDAY 2- 4 & SUNDAY 10-12 5122 SILVERWOOD DRIVE In Thompson River Ranch w/Master, laundry & 2nd bdrm on main. Kitchen features slate, appliances & laminate flooring that extends thruout great room. Fenced backyard w/covered patio looking onto greenbelt. Shopping, restaurants & I-25 minutes away. $330,000

Jaio Osborne 970-999-4398

MAXIMUM EXPOSURE 50,000 copies distributed throughout Northern Colorado. The Northern Colorado Real Estate Source is also available online: www.thegroupinc.com/the_source

Paul Matthews 970-988-5161

ATTENTION

ALL ACTIVE DUTY

RETIRED MILITARY AND

POWERED BY Leading Real Estate

Companies of the World®

WOUNDED WARRIORS

EARN CASH BACK WHEN YOU BUY OR SELL A HOME www.thegroupinc.com/military-on-the-move or call 970.416.8116

FOR A COMPLETE LIST OF ALL OUR OPEN HOUSES VISIT WWW.THEGROUPINC.COM October 20-21, 2018

HARMONY OFFICE 970.229.0700

HORSETOOTH OFFICE 970.223.0700

CENTERRA OFFICE 970.613.0700

MULBERRY OFFICE 970.221.0700

OLD TOWN OFFICE 970.493.0700

LOVELAND OFFICE

Loveland Reporter-Herald – AtHomeColorado.com

970.663.0700

AT HOME

5

BANKRATE.COM

4 signs you’re not ready to be a homeowner — and what to do about it

Buying a first home is more challenging than ever. Beware of red flags indicating that you should wait.

(Dreamstime/TNS)

By Deborah Kearns Bankrate.com (TNS) Buying a home is a major life milestone, right up there with snagging a dream job or finding true love. Your heart might be set on becoming a homeowner, but red flags might indicate you’re not yet ready to make the leap.

For many, particularly millennials, homeownership represents much more than a financial investment. In a recent Homes.com survey on millennial attitudes toward homebuying, 74 percent of millennials equate home ownership with stability.

Although it will likely take them longer to meet their goal, 68 percent of millennial respondents said they’re likely to buy a home at some point in the future, the survey found.

Whether it’s too much debt, a lack of savings or a roving lifestyle, there are several reasons why potential homeowners might want to delay a home purchase.

Here are four of them — and advice on how to overcome these obstacles.

1. You have too much debt To get approved for a mortgage, you must show you can handle all of the expenses of owning a home (including the ones that aren’t rolled into your monthly mortgage payments).

You also have to meet your other financial obligations, and that might be a challenge if you already have a mountain of debt on your plate, says Jennifer 6

AT HOME

Beeston, branch manager and vice president of mortgage lending with Guaranteed Rate.

“A lot of people approach buying a home in terms of what’s the max they can afford,” Beeston says. “With lenders’ guidelines getting looser, some will accept a debt-to-income ratio of up to 50 percent, but that’s based on your mortgage payment and debts that show up on your credit report in relation to gross income.”

Beeston adds that DTI calculations don’t take into account expenses such as schooling, daycare, income taxes, healthcare and retirement savings.

How to overcome it: Pay down your debt to a manageable level. If you’ve accumulated a lot of debt over time, consider a personal loan to consolidate them into one streamlined, and preferably lower-interest, monthly payment.

And avoid getting sucked into a new debt trap by cutting spending and diligently paying down debt.

A debt consolidation calculator can help you determine how to strategically consolidate and pay down your debt.

2. Your credit isn’t stellar Your credit history and credit score are closely linked to the mortgage pricing you’ll receive — and that impacts your monthly payments for the life of the loan, says Dan Green, CEO of Growella, a mortgage news and advice website. A good starting point is to give yourself a credit check-up to see where you stand.

You can get you free credit report and score from Bankrate.

“If your credit score is not optimal, you’ll pay more for a mortgage,” Green says. “Your credit score today will have a huge impact on the homes you’re looking at and can afford. It may be sensible to wait to buy and work on your credit.”

Let’s do a quick calculation for two borrowers applying a 30-year, fixed-rate mortgage for $300,000 with 10 percent down. Jen has an excellent credit score and was offered a 4.75 percent interest rate and Sarah, who has a lower score, was offered a 5 percent interest

rate. Sarah’s monthly payments are roughly $41 more than Jen’s but where she really gets dinged is in overall interest paid. She’ll pay nearly $15,000 more in interest of the loan’s lifetime because she didn’t get a lower interest rate.

How to overcome it: To boost your credit score, pay your credit cards and other debts on time.

Ideally, credit cards should be paid off in full every month.

Avoid opening new credit lines unless you’re establishing a credit history. Finally, keep your credit utilization ratio to 30 percent or less of your available credit limit for each credit account. In other words, your balances shouldn’t exceed 30 percent of your maximum credit limits.

If you’re emotionally and mentally ready to buy a home, there’s likely a home you can buy. The catch: you might have to settle for less than your ideal home if your credit and finances impact what you qualify for, Green points out.

3. You don’t have enough savings Buying a house comes with a lot of upfront expenses that go beyond your monthly mortgage payment. Expect to pay 2 percent to 4 percent of a home’s purchase price in closing costs. Plus, there’s the down payment (anywhere from 3 percent to 20 percent of the purchase price, depending on your loan type) and moving expenses to factor in.

But it’s the hidden costs of homeownership that take many new homeowners by surprise. These might include homeowners association dues, condo/assessment fees, routine maintenance, utility bills and major repairs. Ideally, homeowners should save roughly 1 percent of the home’s purchase price each year for maintenance expenses, says Adam Smith, president of the Colorado Real Estate Finance Group.

Many people don’t have that kind of cash on hand. A recent Bankrate survey found that just 39 percent of Americans would pay for a $1,000 unexpected

Loveland Reporter-Herald – AtHomeColorado.com

expense from savings.

How to overcome it: To save more, pay yourself first by depositing a set amount from each paycheck into a savings account.

If you have to start small, that’s OK. Consider opening a highyield savings account to accrue interest on your cash. Cut back on unnecessary spending such as monthly subscription services, eating out, impulse shopping and other financial vices. Depending on your income and credit profile, you may qualify for homebuyer assistance programs that can help you pay for down payment and closing costs for a home.

4. You want a carefree lifestyle If you’re someone moves frequently, buying a home might not make financial or practical sense. Lifestyle plays a huge role in the decision to rent versus buy, Smith says. Remember that the bigger the house, the more maintenance and upkeep. If you want to keep things low-key, buying a condo or continuing to rent might make more sense until you’re ready for more responsibility.

Another thing to consider if you don’t tend to sit still: it might be a hassle to sell your home or rent it out eventually. Home values can go up or down over time so there are no guarantees that you’ll be able to sell.

How to overcome it: Take time to consider your lifestyle factors that impact your housing choices, including whether you plan to move around a lot, your ability keep up with and pay for ongoing maintenance, your commute, and current or future family needs.

And take care with buying a house with a partner if you don’t share similar financial and life goals, Beeston says.

“Don’t rush to buy a house because you’re reacting to a life event,” Beeston says. “Take your time. It’s a big purchase, and there’s no guarantee you’ll get what you paid — or more — for it.”

——— Visit Bankrate online atbankrate.com.

October 20-21, 2018

Buying from family without using a mortgage company? It can be done.

REAL ESTATE MATTERS

By Ilyce Glink and Samuel J. Tamkin, Tribune Content Agency : My parents want to sell their house to me as part of a retirement plan. We’re hoping to find a way where I can make a contract specifically with them so I pay them an agreed upon monthly rate with some interest rather than going through a mortgage company. I read your article from 2014 about this topic, but with some of the new tax laws I wanted to know if anything changed. We just want to know our options.

Thank you.

Q

A

: Truthfully, not much has changed since 2014 on the real estate side when it comes to buying your parents’ home. There are changes on the federal income tax side and estate planning side, but as for the mechanics on how to do it, the process is much the same as it was back then.

You and your parents can sign a contract for you to buy the home.

The contract can either transfer the home to you outright or set up the

contract as a sale on an installment basis, where you pay over time.

If you buy the home outright, you would then sign a note and mortgage for the financing to them.

In short -- they’ll be your bank.

With either plan of action, you’d have an ownership interest in the home and you’d have the same federal income tax benefits of owning the home as if you purchased a home from anybody else. So, good. The one thing you have to watch out for is that the interest rate on your loan or amount you owe your parents must not be less than what the IRS indicates for loans of your type.

You can go to the IRS website and look up “Applicable Federal Rates” to determine what the minimum interest rate should be in your situation. Now, if your parents want to get about the same as the going rate for mortgages in your area, you should be OK with the IRS, as its minimum rate is usually lower than what banks charge.

Having said that, you need

to remember that your interest payments will be deductible on your federal income tax return if you itemize your deductions; but you will be limited to a total deduction of $10,000, per federal income tax return, for your state income taxes and real estate property taxes.

On your parents’ side, the situation is trickier. The amount of money that a married couple can exclude from federal estate and gift taxes has gone up significantly, up to $11,200,000. Most parents don’t have that kind of cash, so the next issue you think about is how your parents will benefit from receiving interest payments from you and whether the sale of the home to you triggers any taxes on their end.

The potential federal tax issues facing your parents is a bit too much for this column, but you should know that if they are selling this home and it was their primary home, where they lived for two out of the last five years, they’d have no federal income taxes to pay on

up to $500,000 of profit on the sale. If, on the other hand, this home is not their primary residence and they’d owe taxes on any profits realized, an installment sale (versus an outright purchase) of the home may allow them to pay taxes on the gains over time.

Since we don’t know the details, we think your parents should consult with someone on how to deal with the tax consequences of the sale.

In terms of setting up the paperwork for the sale, you can talk to a real estate attorney to draw up the papers no matter which way you decide to go. Just make sure you get the paperwork filed with your local recorder of deeds, putting the world on notice that the home is yours.

(Ilyce Glink is the author of “100 Questions Every First-Time Home Buyer Should Ask” (4th Edition). She is also the CEO of Best Money Moves, an app that employers provide to employees to measure and dial down financial stress. Samuel J. Tamkin is a Chicago-based real estate attorney. Contact Ilyce and Sam through her website, ThinkGlink.com.)

T& SA -3 EN N 1 P U O S

6911 W 3rd St #911, Greeley

Convenience and luxury in resort-like Summer Park! Open concept, ranch style main floor condo. Built in 2015, feels like new. 2 brm, 2 bth, 1 car attached garage. Maintenance free living, Call Today.

533 Deer Meadow Dr, Loveland

Aspen Homes ranch at Masters at Mariana Butte across from course. 0.35 acre premium lot. Flex space for office/ dining. Master has 5pc & lg walk-in closet. Oversize garage. Covered patio.

Std: granite, hardwd, SS apps, A/C, FP. 3-car garage. Highly energy eff homes-among best in biz!

1113 103rd Ave, Greeley

Great Aspen Homes ranch in Promontory. Lg master w/walk-in closet & 5pc.

Eat-in kitchen w/island, granite, undermount sink, 30”upper cabinets w/crown molding, pull down faucet & SS or slate app pkg. Std: A/C, Smart Phone compatible thermostat, tankless HO heater & more.

Highly efficient-save $$.

$250,000 | MLS #863723

$551,535 | MLS #847813

$343,000 | MLS #856093

Listed by Rhonda Heth: 970566-3516

Call Dennis Schick

Call Dennis Schick

Saturday Host Norma Kreeger: 970-231-1331 Sunday Host Diana Walsh: 970-227-0694

970-567-3942 dschick001@outlook.com

970-567-3942 dschick001@outlook.com

Thinking of buying?

Talk to our loan officer with Home Mortgage Alliance to apply today!

Tammy Kauffman

Mortgage Loan Originator NMLS #664512 750 W. Eisenhower Blvd.

Loveland, CO 80537 970.613.4850 office 970.237.9215 mobile 844.714.4800 fax

tkauffman@homemortgagealliance.com | www.tammykauffman.com Home Mortgage Alliance, LLC is a registered as a Colorado Mortgage Company and a sponsored originator authorized to broker FHA and VA loans. NMLS# 1137507. Home Mortgage Alliance, LLC is regulated by the Colorado Department of Real Estate, and offers many loan products. Contact a Home Mortgage Alliance, LLC Representative to learn more. This is not a commitment to lend. Stearns Lending, Inc. is regulated by the Colorado Division of Real Estate. NMLS# 1854.

RE/MAX Alliance  Each office independently owned & operated  Five Northern Colorado locations to serve you.

4703 A Boardwalk Dr, Fort Collins | 226-3990 125 S. Howes St, Ste 120, Fort Collins | 482-1781 750 W Eisenhower, Loveland | 669-1234 1275 58th Ave, Ste A, Greeley | 330-5000

October 20-21, 2018

Loveland Reporter-Herald – AtHomeColorado.com

AT HOME

7

COVERPROFILE

5 TIPS On Selecting a Mortgage Company SUZANNE PLEWES

Whether you’re interested in purchasing your first home, buying a vacation home or downsizing to something more appropriate to fit your life style, a new beginning can be a wonderful experience. It can also be a bit overwhelming. There are open houses to attend, homes to compare and a sea of information to swim through. During these times, having a team around you is extremely important. One of the most important members of that team is your loan officer and their mortgage company. To help you with selecting a mortgage company, keep these five things in mind.

RE/MAX Alliance

Go Local Larger mortgage companies 8

AT HOME

have thousands of customers, which lowers your chances of receiving personal attention and support. If you are someone who values face-to-face communication, then having a helping hand right around the corner could be more up your alley. Sometimes the big guys advertise deals that are too good to resist, but having someone who truly understands you as a client, offers you personal support and works to earn your future business can make a huge difference.

Ask For Referrals A great way to choose the right mortgage company is to ask for referrals from friends and family.

Word of mouth can be one of the most effective tools in obtaining in-depth reviews of a company and gaining an understanding of how that company treats their consumers. Interest rates and associated costs are a great

starting place when looking for the right fit, but having an attentive, organized and responsible loan officer provides can help you get into the home of your dreams.

Compare More Than One It’s difficult to know whether you’re getting a good deal unless you have something to compare it to. Thus, be sure to contact more than one mortgage company for a quote on their loan programs.

Be sure to compare apples to apples. If you are considering a 30-year fixed rate loan with nopoints, then ask both companies regarding that same mortgage product. Be thorough in your analysis and don’t be shy when asking questions. A good mortgage company will make sure that you are fully informed and can make an educated decision.

Look Beyond Interest Rates Interest rates are just one of

Loveland Reporter-Herald – AtHomeColorado.com

many factors associated with a mortgage. You should never consider it alone. Review the combination of both interest rates and closing costs. Mortgage options with higher interest rates may have lower closing costs, and vice versa.

Educate Yourself A home may be the biggest investment that you ever make, and a mortgage may be the biggest debt you ever carry. Take the time to fully understand your mortgage options so that you can make smart decisions. Learn what the terms you are hearing mean, understand the mathematics behind the costs, and don’t be scared to ask questions!

Suzanne Plewest is a broker associate at RE/MAX Alliance. Write to 750 W. Eisenhower Blvd., Loveland, CO 80537, call 970.290.0373 or e-mail suzanneplewes@remax.net.

October 20-21, 2018

REAL ESTATE

Mortgage rates rise to a seven-year high

By Andrew Khouri Los Angeles Times (TNS) The average rate on a 30-year fixed mortgage is nearing 5 percent, following a surge this week that put borrowing costs at their highest level since 2011, according to Freddie Mac. The sharp increase in mortgage rates — to 4.9 percent this week, from 4.71 percent last week and 3.91 percent a year ago — stems from the same rise in the overall cost of borrowing that on Wednesday and Thursday sent stocks tumbling.

The additional expense threatens to cause more would-be home buyers to hold off on a purchase.

The rise in mortgage rates from last year adds $251 a month to what previously would’ve been a $2,685 monthly mortgage payment on a $535,000 house.

Sam Khater, Freddie Mac’s chief

economist, said rising rates and home prices are putting “downward pressure on purchase demand.”

The housing market was already softening. Nationwide, sales of previously owned homes have posted year-over-year declines for six straight months. In Southern California, sales last summer were the lowest in four years and the number of homes offered for sale is creeping up. Home price growth, though still strong, is also easing.

Real estate agents say higher rates are one reason would-be buyers seem increasingly willing to submit low-ball offers or call it quits altogether.

At the beginning of this year, rates surged over inflation fears before flattening out around 4.5 percent.

Now rates are shooting up again, in part over expectations the Federal Reserve will keep lifting its key short-term interest rate as the U.S. economy grows stronger.

Fadel Lawandy, director of the Hoag Center for Real Estate and Finance at Chapman University, said higher borrowing costs will likely mean even fewer home sales and slower price growth. But higher rates shouldn’t derail the housing market.

He noted the economy is healthy and rates are still low historically.

Through much of last decade, the average rate on a 30-year fixed mortgage hovered in the 6 percent range. In the 1990s, rates peaked at 10 percent — and a decade earlier, 18 percent.

“It’s still much cheaper to borrow money than 10, 15 years ago,” he said.

Like many other economists, Lawandy doesn’t expect values to decline unless there is a recession, citing the persistent mismatch between supply and demand in California.

But while Rick Palacios Jr., director of research at John Burns Real Estate Consulting in Irvine, doesn’t expect declines like last decade, he said declines are a real possibility. Affordability is already at or near a breaking point in many Southern California communities, and rising mortgage rates could be the thing that tips prices downward.

Falling home prices become more likely if people increasingly believe the market has peaked and cancel their home searches, thinking they’ll wait for a better deal. More home builders are telling the consulting firm they are seeing exactly that.

“Consumer psyche — people understate how fast that that could change,” Palacios said.

Judging the exact trajectory is particularly difficult now, because the market often slows in late summer and early fall before picking up in the spring. During the six-year upswing in prices, there have also been moments when the market paused, even in spring, and then accelerated again. But that was earlier in the economy’s recovery.

San Fernando Valley real estate agent Amber Dolle believes that this slowdown is real. Recently, a wouldbe buyer on one of her listings requested that a small cosmetic crack on the garage floor be fixed.

When the seller declined, the buyer walked — something that wouldn’t have happened a few years ago, Dolle said. Other offers fell through, and Dolle pulled the Valencia home from the market. She and her client will try again in the spring.

But she’s not sure the traditionally strong spring selling season will live up to its reputation.

“Before, buyers were so desperate,” she said. Now they’re starting to “put their foot down.”

What does it mean to be truly home?

At Elevations, as a not-for-profit credit union built around the community, providing you a homegrown mortgage strengthens us all.

Because we are only truly

prosperous together.

Personal & Business Banking l Mortgage Loans l Business Loans elevationscu.com l 970.667.8585

It matters where you bank.

Federally insured by the NCUA

October 20-21, 2018

Loveland Reporter-Herald – AtHomeColorado.com

AT HOME

9

QUICK GUIDE

OPEN HOUSE

OPENHOMES.ATHOMECOLORADO.COM Ault 713 N Country Trl $327,500 Saturday 12:00 PM-5:00 PM Sara Horner The Group Inc (970) 377-6004

Berthoud 803, 809, 813 Birdie Drive Mid $400,000s Saturday 2:00 PM-5:00 PM Kelly Campbell and Hillary Bacigalupo Staufer Team Real Estate (303) 601-9842 803, 809, 813 Birdie Drive Mid $400,000s Sunday 1:00 PM-4:00 PM Kelly Campbell and Hillary Bacigalupo Staufer Team Real Estate (303) 601-9842 1020 Berthoud Peak Dr $945,000 Saturday & Sunday 12:00 PM-3:00 PM John Simmons C3 Real Estate Solutions (970) 481-1250

Fort Collins 134 Fossil Ct W $329,900 Saturday 12:00 PM-2:00 PM Melissa Doherty The Group Inc (970) 391-5800 4219 Goldeneye Dr $350,000 Saturday & Sunday 12:00 PM-3:00 PM Christie Juhl C3 Real Estate Solutions (970) 430-9501 2820 Des Moines Dr $415,000 Saturday 1:00 PM-3:00 PM Lucas Hobbs RE/MAX Alliance - Fort Collins (970) 412-0390

Frederick 5510 Pinto Street $530,000 Saturday 1:00 PM-4:00 PM Chip Bruss RE/MAX of Boulder (303) 638-8242

Greeley 6911 W 3rd St $250,000 Saturday & Sunday 1:00 PM-3:00 PM Louise Creager RE/MAX Alliance - Fort Collins (970) 566-3516

Longmont 1703 Whitehall Dr 3-E $321,500 Saturday 10:00 AM-1:00 PM Amy Darcy RE/MAX Alliance (303) 725-3756 467 Verdant Circle $369,000 Saturday 12:00 PM-2:00 PM Denise Maslanka RE/MAX of Boulder (303) 441-5676

LIST YOUR OPEN HOUSE 10

AT HOME

1440 Moonlight Dr High $400,000’s Thursday - Sunday 12:00 PM-4:00 PM Stan Meade Pedal To Properties (303) 817-7777

824 Kaitlyn Circle $330,000 Saturday 12:00 PM-3:00 PM Shannon Mallory LC Real Estate Group (970) 776-6571

663 Snowberry St $405,000 Sunday 1:00 PM-4:00 PM Jan Marose RE/MAX Alliance (303) 817-9675

3138 Crux Dr $339,950 Saturday 10:00 AM-5:00 PM Matt Nesbitt The Group Inc (970) 690-7155

665 Snowberry Street $410,000 Saturday 11:30 AM-1:30 PM Debbie Haubert WK Real Estate (303) 588-2128

3138 Crux Dr $339,950 Sunday 11:00 AM-5:00 PM Matt Nesbitt The Group Inc (970) 690-7155

1413 Rustic Drive $479,500 Sunday 1:00 PM-3:00 PM Digger Braymiller RE/MAX of Boulder (720) 234-6390 734 Megan Court $500,000 Sunday 12:00 PM-2:00 PM Marie Elena Potter WK Real Estate (720) 564-6098 734 Megan Court $500,000 Saturday 1:00 PM-3:00 PM Cristina Sajovich WK Real Estate (970) 306-9126 606 Teal Cir $549,000 Saturday 11:00 AM-1:00 PM Erik Ingvaldsen RE/MAX Alliance (303) 588-8290 918 Half Measures Drive $600K’s+ Daily 11:00 AM-5:00 PM Marlita Lazo Markel Homes (303) 522-7928 12001 Twighlight st $775,000 Saturday 1:00 PM-3:00 PM Patrick Clowes eXp Realty (303) 447-0147 12084 Twilight Street $799,000 Sunday 12:00 PM-2:00 PM Terry Larson RE/MAX of Boulder (303) 589-3028 957 Neon Forest Cir $900,000 Sunday 1:00 PM-3:00 PM Suzy WIlliamson RE/MAX Alliance (720) 491-9885 9904 Harbor Drive $1,395,000 Saturday & Sunday 11:00 AM-1:00 PM Maria Miller WK Real Estate (720) 560-5452

Loveland 669 Radiant Dr $325,000 Saturday & Sunday 1:00 PM-3:00 PM Alycia Martinez The Group Inc (303) 994-6307

2548 Hampstead Dr $340,000 Saturday & Sunday 12:00 PM-3:00 PM April Brokhausen C3 Real Estate Solutions (970) 290-0472 3134 Crux Dr $354,950 Saturday & Sunday 10:00 AM-5:00 PM Matt Nesbitt The Group Inc (970) 690-7155 371 Blackstone Cir $400,000 Saturday 2:00 PM-4:00 PM Rob Mygatt The Group Inc (970) 227-6489 4423 Pika Dr $418,000 Sunday 11:00 AM-1:00 PM Jake Tillitt The Group Inc (970) 999-4888

4805 Mariana Hills Circle New Homes From The $600’s to $700’s

By Appointment Rollin Goering LC Home (970) 227-1334 610 N Jefferson Ave $650,000 Saturday 10:00 AM-2:00 PM Stefanie Erion C3 Real Estate Solutions (970) 415-7598 2544 Chaplin Creek Dr $656,873 Saturday & Sunday 11:00 AM-1:00 PM Beth Buman The Group Inc (720) 313-1162 8108 Arkins Ct $710,000 Sunday 12:00 PM-2:00 PM Cindy Kurtz The Group Inc (970) 962-6832 4821 Mariana Hills Cir $755,000 Saturday & Sunday 11:00 AM-3:00 PM Maria McLain C3 Real Estate Solutions (970) 217-8500

Mead 14804 County Rd 7 $724,000 Saturday 12:00 PM-2:00 PM Sean Gilliam RE/MAX Alliance (303) 588-8290

Severance 425 3rd St $359,000 Saturday 10:00 AM-6:00 PM Kathy Beck The Group Inc (970) 213-8475

6341 Sea Gull Cir $420,000 Saturday 12:00 PM-2:00 PM Mitch Benner The Group Inc (970) 214-8430

425 3rd St $359,000 Sunday 12:00 PM-6:00 PM Kathy Beck The Group Inc (970) 213-8475

895 Lepus Dr $485,000 Sunday 1:00 PM-3:00 PM Rita Greywood The Group Inc (970) 391-8838

37050 Soaring Eagle Cir $1,077,000 Saturday 1:00 PM-3:00 PM Todd Fields The Group Inc (970) 218-3535

404 E 7th St $500,000 Saturday & Sunday 12:00 PM-3:00 PM John Simmons C3 Real Estate Solutions (970) 481-1250

Windsor

5207 Deer Meadow Ct $510,000 Saturday 1:00 PM-3:00 PM Tracie Phebus C3 Real Estate Solutions (970) 324-3371

225 Sandstone Ct $345,000 Saturday & Sunday 12:00 PM-3:00 PM Jesse Laner C3 Real Estate Solutions (970) 672-7212 707 Vermilion Peak Ct $445,000 Saturday & Sunday 12:00 PM-3:00 PM John Simmons C3 Real Estate Solutions (970) 481-1250

1554 Homeland St $585,000 Saturday 11:00 AM-1:00 PM Tiffany Luthi The Group Inc (970) 691-4838

802 Shirttail Peak Dr $455,000 Saturday 12:00 PM-3:00 PM John Simmons C3 Real Estate Solutions (970) 481-1250

5004 Single Tree Dr $599,000 Saturday 1:00 PM-3:00 PM Jeff Clough The Group Inc (970) 215-4803

802 Shirttail Peak Dr $455,000 Sunday 11:00 AM-2:00 PM John Simmons C3 Real Estate Solutions (970) 481-1250

VISIT OPENHOMES.ATHOMECOLORADO.COM OR CALL 303.473.1456, 303.684.5329 Loveland Reporter-Herald – AtHomeColorado.com

October 20-21, 2018

LAWN AND GARDEN

Nightmare on Elm Street Whenever there’s a remake of a Hollywood classic thriller, I get a bit nervous. Will it be as good as the original, or fall short of

BY CAROL the mark? Can O’MEARA the remake Colorado State University Extension become a hit on its own, or will it be an empty imitation of great work? And if the original was really bad, can the modern one surpass it?

The recent freeze that followed a warm spell has gardeners living with fear for their trees, roses, and shrubs. We’re gathering in groups, unable to do more than whisper our worry that the boogeyman we encountered in the sudden freeze of 2014 will come back, in our very own version of Nightmare on Elm Street.

Only in our case, it’s the

Nightmare on Elm, Willow, Juniper, and Fruit Tree Street. Unusual autumn warmth was back, giving us temperatures better suited to August. And like the doomed victims in horror movies, those darned plants didn’t pay attention to our warnings and harden off for winter. Instead, trees and shrubs held onto green leaves and shoots, eager to keep summer going.

The polar vortex in November, 2014, was a plummeting of temperatures from near 60-degrees F to 16F in 15 hours, flash freezing plants. This year, temperatures dropped from a balmy 63F to 16F in 36 hours. There is little we can do to stop the damage of extreme temperature drop, but gardeners do have a few things they can do to help the plants afterwards.

To get ready for winter, plants undergo a two-stage process of dormancy and chilling. Called “cold hardening,” it enables woody plants to withstand winter weather. As days shorten, deciduous woody plants undergo resorbing, which converts leaf starch, proteins, and other complex molecules into soluble molecules, such as sugars and amino acids, moving them into storage cells in the inner bark of twigs, the outer sapwood of the main stem, and in roots.

In spring, the stored nutrients are used for the flush of new leaves and burst of growth in shoots and roots.

In fall, once resorbtion is complete, woody plants form a layer between the branch and the leaf petiole to close off pathways from stem to leaf, allowing the leaf to fall.

Gradually freezing temperatures ensure the plant is cold hardy for the remainder of winter. This fall, we’ve had some gradual cooling and light freezes. This triggered trees to form the barrier between leaf and stem, a precursor to allowing the leaf to drop. The hard freeze and heavy snow stripped the leaves from the tree in one swoop, causing the entire tree to denude itself in one day.

Although it means I’ll power through raking, the tree should be fine. But thin barked trees should be watched for signs of bark splitting from the freeze, and wrapping for winter to prevent any further damage. Sun hitting trunks on south and west sides warms the bark and cells underneath, causing them to lose their cold protection.

As nighttime temperatures plunge, these cells freeze and burst, resulting in sunscald on the trunk, an area that will be prone to disease in summer.

Sapling fruit trees are vulnerable

to sunscald, as well as lindens, honeylocusts, ashes, oaks, maples, and willows. Protect them for the first two to three years they’re in your landscape by wrapping them with tree wrap in early in November.

Wrap from the ground upward, overlapping each layer over the lower one by one-half-inch until you reach the lowest branch. Use tape to hold the wrap in place, making sure the tape doesn’t stick to the trunk.

Researchers at Colorado State University recommend that all landscape areas should be watered thoroughly in late fall, then once monthly until spring if we have little snow. This monthly watering is important to tree health.

Colorado State University Extension, together with Boulder County Parks and Open Space, provides unbiased, research-based information about consumer and family issues, horticulture, natural resources, agriculture and 4-H youth development. For more information contact Colorado State University Extension at the Boulder County Fairgrounds, 9595 Nelson Rd., Box B, Longmont, 303.678.6238, e-mail comeara@bouldercounty.org or visit ext. colostate.edu/boulder.

OPEN HOUSES FEATURED ATHOMECOLORADO.COM/OPEN-HOUSES

OPEN SATURDAY, 10/20, 2PM - 5PM & SUNDAY, 10/21, 1PM - 4PM 803, 809 and 813 Birdie Drive, Berthoud

Priced in the mid-$400,000s Built by Integrity Homes

LIST YOUR OPEN HOUSE October 20-21, 2018

• Only 3 new homes left in quaint Berthoud development • High quality construction and low maintenance one-level living • Not in a special taxing district = lower property taxes • From Mountain Ave and Berthoud Pkwy, north to Lake Ave, then follow signs Kelly Campbell 303.601.9842

932 Main Street Louisville CO 80027 303-664-0000 | www.stauferteam.com

Hillary Bacigalupo 303.517.9335

VISIT ATHOMECOLORADO.COM/SUBMIT-OPEN-HOUSE OR CALL 303.473.1456, 303.684.5329 Loveland Reporter-Herald – AtHomeColorado.com

AT HOME

11

REAL ESTATE TRANSACTIONS The following Loveland-area 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 UÊ Jamie Glantz — 638 Welch Ave., Malloy Baeckel Properties, $270,000.

UÊ Martha Hall — 825 Gentlewind Way, Craig and Caryn Dageenakis, $289,900.

UÊ Briana McCaw — 560 Ten Gallon Drive, Richfield Homes LLC, $318,200.

UÊ Gregory and Jennifer Rademacher — 564 Ten Gallon Drive, Richfield Homes LLC, $351,000.

UÊ Michael and Carleen Hester — 1311 Woodcock St., Chad Knowlden, $370,000.

UÊ Melodie Rosendale — 313 E. Colorado Ave., Mark and Brittany Gomes, $370,000.

UÊ Ashley Dinger — 634 Ten Gallon Drive, Richfield Homes LLC, $375,500.

UÊ Chad Knowlden — 558 S. Ninth St., Tiffany and Douglas Tilton, $405,000.

UÊ David Zamarron — 410 Nielson Place, DFH Mandarin LLC, $417,500.

UÊ Israel Chmiel — 608 Wagon Bend Road, Richfield Homes LLC, $458,400.

UÊ David Marr — 2410 Likens Drive, Aspen View Homes LLC, $483,700.

UÊ Michael Sorensen — 6583 Abaco Lane, Daniel and Carolyn Young, $740,000.

UÊ Joel Reyes — 2425 County Road 46, Bradley and Kristina Schlepp, $750,000.

Estes Park UÊ Virgil Salzman — 1125 Middle Broadview Road, Lindsay Lamson, $275,000.

UÊ Brigitte Foust — 1861 Raven Ave., Unit I3, Pamela A. Henderek Trust, $350,000.

UÊ Jean and Steven Zuckweiler — 1504 Raven Circle, Judith and Leonard Darsey, $436,000.

UÊ Virgil Salzman — 490 Valley Road, Blackmore Lamson LLC, $450,000.

UÊ Benjamin and Candace Zimmerman — 1140 Fairway Club Circle, No. 2, Hilyard Family Living Trust, $552,400.

UÊ Stephen and Karin Wende — 641 Longs Drive, N. G. Wilson Properties Ltd., $580,000.

UÊ Kay Barnett — 2809 Fish Creek Road, Anna L. Bedford Living 12

AT HOME

Trust, $649,700.

Fort Collins UÊGeorge and Carol Menning — 2649 E. Mulberry St., No. B76, Tri Corner Holdings LLC, $75,000.

UÊ Zachary and Colleen Stanevich — 1001 Strachan Drive, Unit 9, Jenifer and William Davis, $205,000.

UÊ James Dipilato — 1931 Real Court, Apt. B, Emily Folsom, $205,000.

UÊ Robert and Joan Schneider — 1913 Ross Court, Apt. D, Durkan Real Estate Ll, $210,000.

UÊ John Palke — 1078 Tierra Lane, Unit 101, Laurence and Ruth Rieder, $211,500.

UÊ Shaun Sharp — 3200 Azalea Drive, Apt. B6, Kelsi Macken Nagy, $245,000.

UÊ Jessica Dyrdahl — 2828 Silverplume Drive, Apt. S6, Ricky and Nancy Lorenzen, $249,500.

UÊ Melissa Kelleyhilton — 739 Harts Gardens Lane, Pateros Creek Devl.

Inc., $250,000.

UÊ Douglas Best — 3802 Rock Creek Drive, No. 20A, Stephanie Boyd, $269,900.

UÊ W and Jenifer Davis — 1024 Oxford Lane, Unit 64, Karen L. Oenning, $270,000.

UÊ W Rychel — 2060 Weathertop Lane, Charlotte Ham, $290,000.

UÊ Jordan Vase — 1020 Cunningham Drive, Elizabeth Emery Cuddon, $300,000.

UÊ Levi and Mayu Hanson — 3445 Warren Farm Drive, Terry D. Crawford, $300,000.

UÊ Lauren Jacques — 508 Pluto Court, Tammi L. Johnson, $307,500.

UÊ Darshan Jinendrakumar — 5021 Brookfield Drive, Unit G, Kathleen A. Lore, $311,500.

UÊ Vaughn and Carolyn Hanson — 4500 Seneca St., Unit 65, James and Susan Wozniak, $315,000.

UÊ Jeannine Sonnier — 2943 Virginia Dale Drive, Lendrum Family Trust, $317,000.

UÊ Joshua Story — 228 Mountain View Drive, Jeff and Brandi Story, $320,000.

UÊ Catarino Barboza — 3722 Dalton Drive, Alexia Evans, $320,000.

UÊ Adam Overton — 3308 Wagon Trail Road, Colin and Monica Faherty, $324,000.

UÊ Stephen Ackerman — 1324 Sioux Blvd., Stephen Adam Ackerman, $325,000.

UÊ Matthew Bulow — 4206 Goldeneye Drive, Norman Schmitz, $325,000.

UÊ Sean Murphy — 2118 Suffolk St., Thomas and Schell Trojan, $339,900.

UÊ Jacob Plumley — 2537 W. Laurel St., Riley A. Ellis, $340,000.

UÊ Gloria See — 3342 Liverpool St., Samuel and Jennifer Malmberg, $343,000.

UÊ Bret and Holly Smith — 1508 Wicklow Place, John and Samanthe Lyons, $343,000.

UÊ Gregg Griffenhagen — 1221 Truxtun Drive, Kimberly Catharina Powers, $343,000.

UÊ Mark Glavin — 2043 White Rock Court, Krystle and Brendan Reagan, $345,000.

UÊ Darren and Sean Ankrom — 221 Briarwood Road, Tinyt LLC Trust, $346,500.

UÊ Shane and Kathrine Petersen — 1620 Haywood Place, Paul and Deborah Rupp, $365,000.

UÊ Beth Shefcyk — 2851 Rigden Parkway, Dalton and Rosalie King, $374,000.

UÊ Eric Rosing — 2509 Custer Drive, David Pon, $375,000.

UÊ Maureen Phenix — 151 N. Bryan Ave., Stacia and Edwin Fortenbery, $380,000.

UÊ Quoc Mai — 1606 Germantown Court, Mark Laford Evans, $385,000.

UÊ David and Laura Grossett — 1725 Concord Drive, Landis L. Boyd, $387,000.

UÊ Kathleen Cotten — 4751 Pleasant Oak Drive, Unit B59, Pamela L. Weston, $389,900.

UÊ Meghan and Angela Harris — 3018 Ninebark Drive, John A. Niesel, $392,600.

UÊ Iman Shuweihat — 3008 Comet St., Hartford Constr. LLC, $399,900.

UÊ James and Ipek Boyd — 5214 Corbett Drive, Katharine E. Leigh, $400,000.

UÊ Stephanie Bartke — 706 Blue Mesa Ave., Thomas and Patricia Vincent, $400,000.

UÊ Kimberly Bernstein — 221 Edwards St., Charles and Rebecc Wilcox, $405,000.

UÊ Logan and Katie Wolfrum — 1517 Cherry St., William and Crystal Bowland, $410,000.

UÊ Tara and Daniel Lark — 2913 Cimarron Court, Keith and Kimberly Burden, $420,000.

UÊ Wesley and Bonnie Moore — 1151 Argento Drive, Kyle and Andria Black, $420,000.

UÊ Joshua Keller — 1313 Welch St., Keith and Michele Thomas, $425,000.

UÊ Anthony and Vanessa King — 4900 Dakota Drive, Elizabeth S. Nyce, $425,000.

UÊ Benjamin and Heather Burkley — 1207 Springwood Drive, Anthony D. Reed, $425,000.

UÊ Laura Wright — 1118 Doral Place, Jean L. Petrilli, $430,000.

UÊ Keith and Michele Thomas — 1630 Redberry Court, Shane and Stacy McLeod, $439,000.

UÊ Jacob Juszak — 3002 Sykes Drive, Hartford Constr. LLC, $444,800.

UÊ Colin and Monica Faherty — 2937

Loveland Reporter-Herald – AtHomeColorado.com

UÊ UÊ UÊ UÊ UÊ UÊ UÊ UÊ UÊ UÊ UÊ UÊ UÊ UÊ UÊ UÊ UÊ UÊ UÊ UÊ UÊ UÊ

Stockbury Drive, Diana M. Hollaway, $445,000.

Patrick and Emily Meyer — 1956 Mainsail Drive, Richard and Janis Dunn, $450,000.

Alison and Paul Herman — 3213 Grovewood Drive, Guy and Odile Verbest, $455,000.

Chris and Ashley Mullenberg — 2225 Water Blossom Lane, Cawthron Family Trust, $461,000.

Matthew Dechairo — 1444 Redberry Court, Kristen K. Garner, $465,000.

Brad Lincoln — 225 Wood St., Property Inc. LLC, $485,000.

Joshua and Kimberlee Palmer — 708 Dellwood Drive, Matthew and Cara Robinson, $506,000.

Andrey Zaytsev — 3709 Cosmos Lane, Kimberlee Jane Olsen, $510,000.

John and Susan Rowland — 5271 Coral Court, Laura W. Wright, $525,000.

Tamie and Larry Baggett — 3311 W. Vine Drive, Glick Bros LLLP, $528,000.

Patrick Kent — 2509 Spruce Creek Drive, Richmond Am. Homes Colo.

Inc., $546,600.

Mathew and Elizabeth Bergquist — 1833 Golden Willow Court, Christina Reimer, $563,200.

Douglas Guthrie — 815 Langdale Drive, Raymond and Beth Watts, $570,000.

Thomas and Katherine Sullivan — 1432 Meeker Drive, Jeffry A. Scott, $570,000.

Martha Brown — 829 Smith St., Recycled Properties LLC, $572,000.

Michelle Cullen — 812 Smith St., Nancy H. Nolte, $575,000.

Nicole and William Kiah — 4001 W. County Road 50, Delehoy Hoff Family Trust, $579,000.

Michael Lee — 2503 Spruce Creek Drive, Richmond Am. Homes Colo.

Inc., $586,300.

Catharine and Neil Holstein — 1818 Westview Road, Judson M. Harper, $600,000.

Kim and Sukhbir Campbell — 6002 Fall Harvest Way, Toll Co. I. LLC, $600,100.

Donald Golen — 538 Cajetan St., Adam and Teshia Guske, $624,000.

Gavin Gates — 1509 Ascot Court, Kent and Brenda Olander, $637,000.

Christopher and Erin Pettis — 2021 Kerry Hill Drive, Joshua and Lisa Rehtmeyer, $670,000.

Greeley UÊ Mark Dirks — 2547 22nd Ave., Marilyn L. Northrup, $170,000.

UÊ Lori Peden — 712 18th St., Mark and Lorie Fischer, $190,000.

UÊ Jeffrey Fridrich — 2300 33rd Ave., Mark Skufca, $195,000.

October 20-21, 2018

UÊ ,iLiVV>Ê À> ÊpÊ££{äÊΣÃÌÊ Ûi°]Ê

ii Ê °Ê iÌiÞ]Êf£ x]äää° UÊ Ài> >Ê À ââi ÊpÊ{äÎÊ£ÈÌ Ê Ûi°Ê

ÕÀÌ]Ê{äÎÊ£ÈÌ Ê Ûi ÕiÊ ÕÀÌÊ ]Ê fÓää]äää° UÊ À ÃÌ >Ê >LiÀ À ÊpÊ£££nÊ -iÛi Ì Ê-Ì°]Ê `i Ê Õ}ÕÃÌ ]Ê fÓ£ ] ää° UÊ i LiÀÌÊ ` > ÊpÊÓ{ÎxÊ£{Ì Ê Ûi°Ê ÕÀÌ]Ê °Ê> `Ê `>Ê i À}i]Ê fÓÎx]£ää° UÊ -> ` Ê ÌÜ> ÊpÊ{ÎÓxÊ7°Ê-iV `Ê -Ì°]Ê iÀ>À` Ê> `Ê- >Ü >Ê `i Vi]Ê fÓ{È]äää° UÊ 7 > Ê/>Þ ÀÊpÊxä{ÊÓÈÌ Ê Ûi°Ê ÕÀÌ]Ê Û>Ê Õ ÃiÊ iÀ > ]Ê fÓxä]äää° UÊ 7ià iÞÊ > }iÀÊpÊ£ÈxÓÊÎ{Ì Ê Ûi°]Ê Ãv Ê >ÃÌiÀÊ*>ÀÌ V «>Ì ]Ê fÓxÎ]äää° UÊ ià ÀiiÊ V >LiÊpÊ££xÓÊÎxÌ Ê Ûi°]Ê Ài Ê> `Ê iÃà V>Ê À ÃV ]Ê fÓxx]äää° UÊ Ã Õ>Ê Õ iÀÊpÊ{ÈxÇÊ }ÃÊ

> Þ Ê À Ûi]Ê > iÃÊ> `Ê7i ` Ê 7 >Ì iÞ]ÊfÓÈ ]äää° UÊ >Ê ÕiÀÀiÀ ÊpÊÎää{Ê{ÎÀ`Ê Ûi°]Ê >À Ê> `Ê }i >Ê iÌâ]ÊfÓÇä]äää° UÊ Ã>Ê i iÀ > `iâÊpÊÓÓÈÊ °ÊÓÓ `Ê Ûi°]Ê > Õi Ê> `Ê, Ã>Ê Õ â]Ê fÓÇ£]äää° UÊ i> Ê> `Ê*i}}ÞÊ- i«>À`ÊpÊ{È££Ê ÀÃÌÊ-Ì°Ê À Ûi]Ê Ãi« Ê °Ê ÀÞà ]Ê fÓÇx]äää° UÊ > iÊ,ÕÃÃi ÊpÊÓäÈÊxÎÀ`Ê Ûi°Ê

UÊ UÊ UÊ UÊ UÊ UÊ UÊ UÊ UÊ UÊ UÊ UÊ UÊ

ÕÀÌ]Ê ÀÃÌÊ >ÃÃÊ-Õ ÌiÃÊ ]Ê fÓnä]äää° V i â iÊ i iÀÊpÊ£xÈÊxäÌ Ê Ûi°Ê * >Vi]Ê- > iÊ °Ê >ÀÜ ]ÊfÓ ä]äää° iÌ > ÞÊ-> V iâÊpÊÓÈnÊ{ Ì Ê Ûi°Ê * >Vi]Ê Õi Ê> `Ê >À >Ê/ÕÀ iÀ]Ê fÓ ä]äää°

À ÃÌ « iÀÊ7> iÀÊpÊÓxäÓÊÓnÌ Ê Ûi°]Ê ÕÃÌ Ê> `Ê >Ê Õâ i` ]Ê fÓ ]äää°

iÀi Ê6>õÕiâÊpÊÈΣ£Ê7°Ê vÌ Ê-Ì°]Ê À>`i Ê >ÀÀiÌÌ]ÊfÎän]äää° / Ì ÞÊ> `Ê*> i >Ê > âiÀÊpÊ £ {ÓÊ{ÈÌ Ê Ûi°]Ê >Û `Ê °Ê Õ iÀ]Ê fΣä]äää° iÃÃiÊ> `Ê ii Ê Ü> ViÊpÊ£ÈÇÊ xäÌ Ê Ûi°Ê* >Vi]Ê À Ê °Ê >ÀÌ>]Ê fΣä]äää° À>ViÊ> `Ê, µÕiÊ Ã}ÕiÀÀ>ÊpÊ £Çä{ÊnnÌ Ê Ûi°]Ê À> Ê> `Ê >À Ê ÕÌV à ]ÊfΣä]äää° `À > >Ê i ÊpÊ{ Ó£Ê7°Ê- ÝÌ Ê -Ì°]Ê °Ê> `Ê/iÀÀ iÊ > iÞ]ÊfΣä]äää°

Ê> `Ê `ÞÊ- > >ÊpÊ£Èä£Ê £ÎÌ Ê-Ì°]Ê Ài} ÀÞÊ Õ} Ê Þ>ÌÌ]Ê fΣä]äää° > Õi Ê> `Ê, Ã>Ê Õ âÊpÊnÇÇnÊ £ÈÌ Ê-Ì°]Ê ÕÀ iÞÊ iÃÊ ]Ê fΣ{]Îää° iÀi` Ì Ê >ÀÀÕv ÊpÊnÇÇ{Ê£ÈÌ Ê-Ì°]Ê ÕÀ iÞÊ iÃÊ ]ÊfÎÓ{]Èää° V >ÃÊ Õ Üà ÊpÊ£nÎ{Ê-iÛi Ì Ê Ûi°]Ê Ê,i Ê ]ÊfÎÓx]äää°

Ì Ê6i À V ÊpÊ£ÎÓ ÊÈäÌ Ê Ûi°]Ê ,>V i Ê °Ê iÌâ]ÊfÎÓÇ]£ää°

E A SY ACC E S S M E A N S E A SY L I V I N G .

Simplify your kitchen with custom pull-out shelves for your existing cabinets.

UÊ <>V Ê iÛ>ÀÀ >ÊpÊ£Ó£nÊÇnÌ Ê Ûi°]Ê , ` iÞÊ> `Ê ÞÊ iV iÀ]ÊfÎÓn]äää° UÊ iÛ>Õ Ê Ài iÃÊpÊnxÓnÊ£xÌ Ê -Ì°Ê, >`]Ê ÕÀ iÞÊ iÃÊ ]Ê fÎÎ{]Óää° UÊ >Ã Ê À> > ÊpʣΣÓÊn{Ì Ê Ûi°]Ê ÕÀ iÞÊ iÃÊ ]ÊfÎÎÈ]äää° UÊ >ÀÞÊ*>} ÌÌ>ÊpÊnn£xÊ£ÈÌ Ê-Ì°]Ê ÕÀ iÞÊ iÃÊ ]ÊfÎÎÇ]nää° UÊ À> ` Ê> `Ê- ` iÞÊ >Ì > ÊpÊÎäÈÊ xÓ `Ê Ûi°]Ê i i Ê,°Ê"ÀÌiâiLiÀ i]Ê fÎ{ä]äää° UÊ V >i Ê7iÀÌâÊpÊ{ ÎxÊ7°Ê °Ê-Ì°]Ê ÌÀi}Ê,iÛ V>L iÊ/ÀÕÃÌ]ÊfÎ{Ó]xää° UÊ iÝ> `iÀÊ> `Ê > i iÊ Û>ÀiâÊ pÊ£Ó£äÊ Ì Ê Ûi°]Ê > Ê iÃ]Ê fÎxÎ]äää° UÊ i > Ê> `Ê LiÀÊ- }}ÊpÊ£ÎÎÓÊ x£ÃÌÊ Ûi°]Ê Ãi« Ê> `Ê i Ê Ài}}]Ê fÎx{] ää° UÊ iÀ> `>Ê> `Ê*>Õ Ê >iÃÌ>ÃÊpÊnnÓÈÊ £ÈÌ Ê-Ì°]Ê ÕÀ iÞÊ iÃÊ ]Ê fÎxx]xää° UÊ V >ÃÊ> `Ê Ã iÞÊ > >ÊpÊnÇÈÈÊ £ÈÌ Ê-Ì°]Ê °Ê Ê ÃÌÀ°Ê ÀÌ iÀ Ê °]Ê fÎxÇ]Óää° UÊ Ã iÞÊ-> ` Û> ÊpÊ£n{£ÊnxÌ Ê Ûi°Ê

ÕÀÌ]Ê >À iÃÊ> `Ê ÃiÞÊ7> iÀ]Ê fÎxÇ]xää° UÊ ÕÃÌ Ê> `Ê > `>Ê*iÌâ `ÊpÊnÈÓ£Ê £ÈÌ Ê-Ì°]Ê Ã«i Ê6 iÜÊ iÃÊ ]Ê fÎÇÇ]Óää° UÊ V >i Ê> `Ê/ii >Ê- > >ÊpÊnÈ£ÇÊ £ÈÌ Ê-Ì°]Ê Ã«i Ê6 iÜÊ iÃÊ ]Ê fÎnÇ]Èää°

UÊ / ``Ê> `Ê i viÀÊ i > ÊpÊ£ä£ä£Ê 7°Ê£ÎÌ Ê-Ì°Ê, >`]Ê ÃÌ iÊ> `Ê >Ì > Ê-VÕ``iÀ]Êf{£x]äää° UÊ V >i Ê> `Ê >Ü ii Ê > ÃÊpÊ ÈÈääÊ7°ÊÓäÌ Ê-Ì°]Ê1 ÌÊ{Î]Ê V >i Ê > `Ê `>Ê-Ì i]ÊfÈÎÇ]Îää° UÊ >À > Ê >ÕÃiÊpÊÎxÓäÊ > iÊ* >Vi]Ê -V ÌÌÊ> `Ê iV ÞÊ i i`Þ]ÊfnÇÇ]xää° UÊ V >i Ê> `Ê >À Ê VÜ ÀÌiÀÊpÊÎÇÊ iViÀÀ Ê À Ûi]Ê >ÀL>À>Ê Ê* Û >]Êfn x]äää° Johnstown UÊ ,>V i Ê >ÃV>ÊpÊ{ÓäÊ À Ì iÀÊ > i]Ê Õ Ê6 >Ê À> >]ÊfΣn]äää° UÊ i>Ì iÀÊ Ài`ià ÊpÊÎ £ÎÊ i>Ì iÀÜ `Ê ÀV i]Ê"ÃÜ> `Ê/>À ]Ê fÎÎä]xää° UÊ > iÃÊ }ÊpÊÓ{{Ê-> `ÃÌ iÊ À Ûi]Ê >Ìi Þ Ê> `Ê-Ìi« Ê- Ì ]ÊfÎxä]äää° UÊ >À Þ Ê V iÊ> `Ê ÀiÌÌÊ-ÌÀ Õ`ÊpÊ {{ÈÊ iÃÌi>`Ê > i]Ê À ÃÌ « iÀÊ > `Ê->LÀ Ê ` iÞ]ÊfÎx ]äää° UÊ Þ iÊ, iÞÊpÊÎ{£ÇÊ Õ Ì> Ü `Ê > i]Ê->LiÀÊ-°Ê Õ` >`>]ÊfÎÈ ]nää° UÊ , `iÀ V Ê/iÜ> ÌÊpÊxää{Ê >} iÜ `Ê > i]Ê ÕÀÌ ÃÊ7°Ê i à ]Ê fÎnä]äää° UÊ >À iÃÊ> `Ê >Ì ÀÞ Ê À>vÌÊpÊÇ£ÇÊ °ÊÇÌ Ê ÕÀÌ]Ê V >i Ê> `Ê*>Õ >Ê

Ã]ÊfÎnx]äää° UÊ ,Õ` vÊ> `Ê >Ì >À >Ê-V iÌÌiÀiÀÊpÊ £xxÈÊ `i iÞiÊ À Ûi]Ê i ` iÊ °Ê , Ãi `> i]Êfxää]äää° UÊ ÀÞ> Ê> `Ê- iÀÀÞÊ7 Ì> iÀÊpÊ{ÓΣÊ

Text SHARE to 800.701.6509 E Flyer to Receive more Information about These Properties

$330,000

$355,000 OPEN HOUSE

www.1530w28.com

www.473w12 .com

Main Floor Living & Golf Course 3 Large Bedrooms 2 baths Eat In Kitchen & Formal Dining Allowance to update CounterTops

Sat 11:00 to 1:00 Call Dave Gornall 970-590-8891

$365,000

Ranch Home with Basement Check out Location from Drone Video Alley Access, 2 Separate Garages

#HappyPetHappyHome Boomer OPEN HOUSE

www.461DeerCreek.com

Owner Gail Daugherty

Sunday 1:00 Sharp

FREE DESIGN CONSULTATION* 50% OFF INSTALLATION

Starter home with room to spare!

Cozy and Confortable Theatre Area in Basement

LARIMERHUMANESOCIETY

@NoColoHomes

Nanci Garnand (970) 227-1327

Free design consultation: • (970) 432-8992 50% Off Installation* Limit one offer per household. Applies to purchases of 45 or more Classic or Designer Glide-Out™ shelves.

Expires 10/31/2018. Lifetime warranty valid for Classic or Designer Solutions. Learn more at shelfgenie.com. *

October 20-21, 2018

Loveland Reporter-Herald – AtHomeColorado.com

AT HOME

13

Carroway Seed Court, Vance Constr.

Inc., $700,000.

UÊ Scott Wilson — 4324 Lemon Grass Drive, Buer Homes Inc., $870,800.

Loveland UÊ Jacob Probst — 2507 Spruce Drive, Alfred Hinrichsen Trust, $150,000.

UÊ Kent Chao — 525 W. 39th St., Matthew J. Dechairo, $210,000.

UÊ Connie Todd — 2833 Azalea Place SW, Jefferson E. Wood, $235,000.

UÊ Jonna Allison — 1115 Monroe Ave., Shauna B. Gifford, $250,000.

UÊ Brook Geiss Meichtry — 916 Deborah Drive, Steve and Patricia Nytes, $255,000.

UÊ Arianna Vicek — 1532 Oak Creek Drive, Terry and Ashley Stevenson, $256,300.

UÊ Kirsten Lopuski — 533 Second St. SE, Sandra and Louis Branch, $270,000.

UÊ Kelsey and Amanda Preuss — 1817 Empire Ave., Gunter and Gloria Preuss, $275,000.

UÊ Dawn Pyy — 306 Dean Court, Herbert Satterlee, $278,900.

UÊ Beverly Walkington — 3726 Robin Court, Colo. Cash For Keys LLC, $286,000.

UÊ Jeffrey Applegate — 1038 Winona Circle, Roger and Bonnie Torrez, $298,000.

UÊ Alvin Schumacher — 2212 Estrella Ave., Joan Murphy, $299,000.

UÊ Monica Londono — 1021 Cleveland Ave., Rail Road LLC, $305,000.

UÊ Stephen and Sharon Moritz — 4558 Glen Isle Drive, Vicky J. Lange, $306,000.

UÊ Robert and Kortney Zapp — 1702 Albany Ave., Jodel Dirocco, $310,000.

UÊ David and Anne Cheadle — 1318 E. Sixth St., Linda L. Puchan, $310,000.

UÊ Melvin and Jamie Turner — 318 21st St. SE, Kathy L. Round, $320,000.

UÊ Jennie Baran — 821 Scotch Elm Drive, Ford and Patricia Fust, $320,000.

UÊ Devin Burseth — 2166 Chelsea Drive, Elisa E. Denning, $322,900.

UÊ John and Rachel Sparkman — 4526 Filbert Drive, Frances L. Bronkar, $334,900.

UÊ Anna Finnman — 2209 James Drive, Donald S. Edwards Living, $335,000.

UÊ Jason and Anne Lynn — 3636 Fletcher St., Dana and Stephen Otte, $344,400.

UÊ Jeffrey and Tara Tooley — 158 Green Teal Drive, Solomon A. Lemma, $350,000.

UÊ Kent Houston — 51 Jasper Lake Road, Brian and Lisa Winchester, $350,000.

UÊ Colleen Cutshaw — 315 W. Eighth St., Joseph P. Liberatore, $360,000.

ALWAYS

A Part of the Community Use a local Real Estate Expert. Make sure your agent is a REALTOR member of the Loveland-Berthoud Association of REALTORS®

www.lbaronline.com 14

AT HOME

UÊ Robert Randall — 2298 Sopris Circle, Phyllis J. Malmin, $360,000.

UÊ Cheryl Sisneros — 330 Lark Place, Clifford and Susan Cox, $362,000.

UÊ John Haerr — 3041 Glendevey Drive, Brent and Bonnie Amick, $385,000.

UÊ Afsaneh Cengiz — 3802 Jefferson Drive, Christopher and Tatum Gilbert, $387,500.

UÊ Rachel Mommer — 438 Pavo Place, Century Millennium LLC, $393,500.

UÊ William and Tonya Cash — 4177 Plum Creek Drive, Cortney Cornils, $398,000.

UÊ Ashley Nason — 1519 W. 29th St., Shirley E. Abrames, $399,000.

UÊ Claudine and Jimmie Ramsey — 4050 Foothills Drive, J. Albert Quiroz, $405,000.

UÊ Daniel and Kim Tarpy — 3642 Saguaro Drive, Custom On Site Bldrs.

Inc., $412,800.

UÊ Scott and Amanda Sajdak — 3016 Elevado Court, Edward C. Ketterer Trust, $429,500.

UÊ Andrew and Tessa Kuiken — 445 Promontory Drive, Phillip and Jennifer Driggers, $435,000.

UÊ David and Paula Biffle — 2872 Echo Lake Drive, William Lyon Homes Inc., $449,900.

UÊ Patrick Barker — 2309 Woody Creek Circle, Daniel and Mary Hodges, $450,000.

UÊ Arin Urlocker — 3537 Gold Hill Drive, Charles W. Zitting, $450,000.

UÊ Brett and Briann Ramberg — 4441 Pika Drive, Raymond and Shannon Young, $452,000.

UÊ John and Victoria Dom — 6288 Sablewood Drive, Dawn M. Jacobson, $462,000.

UÊ Sandra Kelly — 3906 Sand Beach Lake Court, Richmond Am. Homes Colo. Inc., $472,200.

UÊ Gregg and Laurie Buchl — 2444 Frances Drive, Eric Michael Meehan, $478,000.

UÊ Marcin and Meghan Tomtas — 1208 Martin Court, Franklin J. Borst, $480,000.

UÊ Mary Folladori — 4425 Chateau Drive, Frank and Margaret Emmerich, $492,000.

UÊ Aaron and Brandi Mackenzie — 775 Deer Meadows Drive, Aspen Homes Colo. Inc., $535,400.

UÊ Anne and John Wilson — 970 Longspur St., Thomas and Lucy Kjos, $560,000.

UÊ Joseph Lorenz — 6620 Trail West Road, Robert F. Barbara S. Livin, $589,900.

UÊ Tamsin and Thomas Blue — 560 Quillan Gulch Road, 560 Quillan Gulch Road LLC, $593,200.

UÊ Jeremiah and Ivy Andersen — 2001 Morning Drive, Brett and Nicole Busch, $595,000.

Loveland Reporter-Herald – AtHomeColorado.com

UÊ John and Diane Dynes — 2848 Crooked Wash Drive, Shirley J. Hernandez Trust, $640,000.

UÊ Daisy Skinner — 2502 Bluestem Willow Drive, Wonderland Centerra LLC, $705,900.

UÊ Michael Walts — 2536 Bluestem Willow Drive, Wonderland Centerra LLC, $765,700.

UÊ Angelia and Michael Esmay — 3850 Desert Rose Court, Glen Homes LLC, $851,500.

UÊ Robert and M. Meismer — 513 W. 66th St., Scott Barber Real Estate LLC, $1,750,000.

Windsor UÊ Jeremy Johnson — 6690 Crystal Downs Drive, Unit 208, Portofino Flats LLC, $306,200.

UÊ Tyler Arvidson — 5474 Bexley Drive, Richmond Am. Homes Colo.

Inc., $349,100.

UÊ Paul and Anna Black — 1202 Crescent Drive, Krista and Scott Crawford, $357,000.

UÊ Bryan and Bryan Pekara — 5418 Bexley Drive, Richmond Am. Homes Colo. Inc., $367,900.

UÊ David and Darlene Brown — 2283 Stonefish Drive, Melody Homes Inc., $377,500.

UÊ Tyler Baumgartner — 1566 Highfield Drive, Melody Homes Inc., $377,500.

UÊ Matthew and Kelli Kirby — 871 Dartford Drive, Melody Homes Inc., $396,800.

UÊ Nathaniel Janes — 1401 Willow Way, Matthew and Jennifer Rise, $419,900.

UÊ Scott and Krista Crawford — 648 Vermilion Peak Drive, Bridgewater Homes LLC, $426,800.

UÊ Christopher and Bonni Brooks — 664 Vermilion Peak Drive, Bridgewater Homes LLC, $504,000.

UÊ John and Jessica Bragg — 2052 Bayfront Drive, Lance and Anita Reynoso, $519,000.

UÊ Berdj and Dawn Adrouni — 2122 Honeybee Drive, Aspen View Homes LLC, $526,500.

UÊ Steven and Suzanne Harrold — 8492 Castaway Drive, Andrew and Kathryn Cofas, $553,000.

UÊ Michelle and Eric Horstmeyer — 7404 Thistledown Drive, Gucci Family Trust, $569,900.

UÊ Joseph and Deborah Stramel — 5572 Maidenhead Drive, Bridgewater Homes LLC, $576,500.

October 20-21, 2018

Real Estate place yoUr ad:

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

Real Estate

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

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

Foothills Apartments 2BR 1BA Units in Loveland: Washer/Dryer in Unit. $1045/month for Upper Level Units; $1145 for Downstairs Units. Water, Sewer, Trash included.

No Pets. 1 Year Lease.

Available No w.

970-669-7850

45+ Female House Share Private BR & BA $825 + Utl, dep . Lg Master BR, Share Meals. In Lvld 719-466-7388

Why Rent When You Can Own?

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

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

Rentals

2BR Apt in Loveland: Storage, 2 Off-Street Parking Spaces. $1050/mo. No Smoking.

No Pets. 970-667-0365

PLACE YOUR AD

Call 303-466-3636 or 970-635-3650.

October 20, 2018

Rent-to-Own & Low-to-No Down Payment Options Available Call or Text

Devin Oâ&#x20AC;&#x2122;Branagan ERA Tradewind

CALL IT HOME.

303-775-0710 www.DevinSells.com

SELL YOUR STUFF! List your stuff and get it done! Call

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

303.466.3636 BOULDER/BROOMFIELD/LONGMONT 970.635.3650 LOVELAND Reporter-Herald

AT HOME

R15

Real Estate Solutions Character|CIulture|Commitment

4151 Wilderland Way, Loveland $1,000,000 » MLS# 846402 138 Acres of Vacant Land bordering Devils Backbone Open Space! Only 15 minutes to Downtown Loveland but feels like a world away! Call for more details or to schedule a tour!

John Feeney 970-231-4172 jfeeney@c3-re.com

5207 Deer Meadow Ct, Loveland $510,000* MLS# 860796 3 Beds • 3 Baths • Total Sq. Ft. 2975 Beautiful Semi Custom home on a large corner lot in the wonderful Marianna Butte golf course community.

Incredible mountain views and near the golf course!

2548 Hampstead Dr, Loveland $340,000 4 Beds • 4 Baths • Total Sq. Ft. 2039 Pre-lnspt/1 yr home warranty, new roof, mechanicals & paint, stainless steel appliances, pantry, whole house fan, A/C, fenced yard, shed, covered deck, main fir laundry, built in shelving in garage.

ft

$549,000 «MLS# 863244 3 Beds • 2 Baths • Total Sq. Ft. 1226 Pre-lnspected w/1 yr. Home Warranty. 80 Acres, Open zoning, no HOA. Built in 2011 featuring a large living room, dining room, hardwood floors throughout, master w/ 3/4 bath + an upgraded kitchen. All 80 acres is fenced.

2127 Cape Hatteras Ct, Windsor 102 Whitney Ct, Windsor $835,000 • MLS# 863824 $460,000* MLS# 856999 4 Beds • 4 Baths • Total Sq. Ft. 4157 3 Beds • 4 Baths • 3 Car Garage One of a kind property in Water Valley South on 1.86 acres, Over $200,000 landscaping.

Fin bsmtinw/salon, theater, kitchenette & family rm. 2 beds Lookout point wI spectacular views of WV & Windsor. Gardens, fenced dry Main creek,firmany up yard, plus loft. laundry, mstr ste w/ 5 pc ba, gourmet patios, private beach, sprinkler/drip system, water feature & fire pits. kitchen Lower level perfect w/ dbl ovens & island, formal living room, formal dining great room w/ vaulted ceilings & fireplace. for guests/in-law w/ bed, living & % bath. Gourmet kitchen & master suite w15& pc. bth.

: • Æj John Simmons 970-481-1250 |fK jsimmons@c3-re.com

■ ; ^53 John Simmons 970-481-1250 W, n jsimmons@c3-re.com

Jesse Laner ^’1 970-672-7212 jlaner@c3-re.com i.»

Jesse Laner 970-672-7212 ^¿59 jlaner@c3-re.com

W7 John Simmons

970-481-1250 jsimmons@c3-re.com

Hops, Hemp or Hay, you decide! Entire property is a conservation easement zoned AG. This 25 acres is also a great location for horses w/allowable barn/arena/outbuildings w/max 10% structure coverage allowed. NO residtl structures allowed.

y

John Simmons 970-481-1250 jsimmons@c3-re.com

Tracie Phebus 970-324-3371 tphebus@c3-re.com

April Brokhausen 970-290-0472 abrokhausen@c3-re.com

8402 N 81st St, Longmont $650,000 • MLS# 847671

Jesse Laner f.JJ 970-672-7212 Jcifl jlaner@c3-re.com

Jesse Laner 970-672-7212 jlaner@c3-re.com :

404 E 7th St, Loveland $500,000 • MLS# 863745 4 Beds • 3 Baths • Total Sq. Ft. 2937 This Old Town property has Vintage Charm w/ Modern Touches.

Corner lot, fenced yard, concrete patio + RV boat parking w/ dbl gates. 4 beds, 3 baths (double master or in-law area), main floor laundry + 2 beds & a full bath up. Wood floors, tremendous trim work & more.

Brett Sail Scott Clanin 970-685-2441 970-518-7932 , brett@sallteam.com sclanin@c3-re.com

Open House Saturday 12-3pm & Sunday 11 -2pm

802 Shirttail Peak Dr, Windsor $455,000 • MLS# 864466 5 Beds • 4 Baths • Total Sq. Ft. 3450 Built in 2016 & on a .21-acre corner lot. Over 3300 SF w/5bds & 4 full ba + oversized 3 car gar. 6-foot privacy fence, oversized patio w/ landscaping & sprinkler. Open fir plan, kitchen w/granite slab, island & pantry, mstr ste w/5 pc ba + a 2nd in-law/mstr in bsmt w/ private ba.

Scott Clanin Melissa Schulman 970-518-7932 970-482-3878 sclanin@c3-re.com mschulman@c3-re.com

4219 Goldeneye Dr, Fort Collins $350,000 • MLS# 864361 3 Beds • 1 Baths • Total Sq. Ft. 1225 This home is located South of Troutman Park. It features a large living room + a family room w/ wood burning fireplace, new flooring & patio access. Vaulted ceilings, kitchen w/ pantry, new flooring & new electric range/oven.

Christie Juhl I 970-430-9501 ). CrownJuhlRealtor@gmail.com

707 Vermilion Peak Ct, Windsor $445,000 5 Beds • 3 Baths • 3 Car Garage Built in 2017, this property is better than new construction. Rocky Mountain Views plus fenced yard, oversized patio, window treatments, all kitchen appliances included plus thousands in upgrades.

Joel Anderson 970-682-8122 janderson@c3-re.com

1020 Berthoud Peak Dr, Berthoud $945,000 6 Beds • 5 Baths • 3 Car Garage Over 6000 finished square feet sitting on 1.07 Acres.

Fantastic location near the new TPC Golf Course. Luxury outdoor swimming pool and a full finished basement. Call for a detailed list of home features, floor plan or to show.

Todd Jeskulski 970-391-1197 tjeskulski@C3-re.com

Open House Saturday & Sunday 12-3pm

225 Sandstone Ct, Windsor $345,000 3 Beds • 3 Baths • Total Sq. Ft. 1936 Beautifully maintained 3 bd/3 ba ranch w/NEWLY painted int. & NEW laminate floors! Newer kitchen appliances & basement finish w/rec room, wet bar, bed & HUGE bathroom. Lrg yard, shed, NO hoa & rv/boat parking! A must see!

Bill Myers

n

970-599-0011

Eric Tutsch 970-689-7766

610 N Jefferson Ave, Loveland $650,000« MLS# 852129 4 Beds • 2 Baths • Total Sq. Ft. 3825 Magnificently maintained Craftsman style 1920 Historic Registered Harter/Borland Home by architect Robert K. Fuller is waiting for you in Downtown Loveland!

Family owned ~ a century! Zoned Commercial!

Stefanie Erion 970-415-7598

serion@c3-re.com

6714 Snowdon Dr, Fort Collins $484,900 * MLS# 852271 3 Beds • 2 Baths • Total Sq. Ft. 4076 Photo of Previous Home. $484,900 provides 2,038 sq’ of fine finishes; wood floors, granite counters, hand troweled walls & ceilings and much more. Oversized garages, only 2 plans and 2 lots still available. Snow removal thru HOA Renée Salza 970-231-5082 rsalza@c3-re.com

Only 2 homes still available

4821 Mariana Hills Cir, Loveland $755,000 • MLS# 864295 4 Beds • 4 Baths • Total Sq. Ft. 3708 4 BR 4 BA 3708 Sq Ft Mariana Butte! Brand new Move-ln Ready w/ Mountain views! 4 bed/4bath, guest suite, office, hobby room finished w/o basement w/ wet bar & , yuui ilici 3 car garage! Covered patio w/ 2-way fireplace, gourmet y kitchen!

■n

vl | Renée Salza Maria McLain I I 1 970-231-5082 970-217-8500 1 r \ rsalza@c3-re.com mmclain@c3-re.com I

bmyers@c3-re.com etutsch@c3-re.com

www.MyColoHome.com

16 AT HOME

970.225.5152 • C3 Real Estate Solution, LLC. Loveland Reporter-Herald - AtHomeColorado.com

October 20-21, 2018