At Home Colorado - Northern Colorado Edition

REAL ESTATE

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

atHome Colorado Home & Real Estate | AtHomeColorado.com

How can I save money with

ENERGY-EFFICIENT HOME UPGRADES?

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

December 14-15, 2019

Light Up the Holidays Use these tips to light up the exterior of your home for the holidays and be the envy of your entire neighborhood.

Protect Your Home From Water Intrusion Signs of water damage can diminish the value of your home, but water intrusion issues are ďŹ xable and should be repaired quickly.

Loveland Reporter-Herald – AtHomeColorado.com

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atHome COLORADO HOME AND REAL ESTATE

ATHOMECOLORADO.COM CONTRIBUTING WRITERS Carol O’Meara Diana Crandall Rick Jacquemard Cathy Hobbs 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

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LAWN AND GARDEN

Light up the holidays What is it about the inflatable yard décor that always looks like a murder scene CAROL during O’MEARA the day?

Colorado State University Extension I realize that they need puffed air to look their best, but driving past the crumpled, lifeless figures is an unsettling sight.

That my neighbor has a yard full of them overseen by a wicker pig in a Santa costume just makes it bizarre. The pig remains standing during the day and I can’t help but think it it’s there to feast on the souls of the departed. That’s more Nightmare Before Christmas than a jolly holiday.

Once they’re inflated, I don’t mind the decorations, but I’m still partial to festive lights strung around houses, fences, trees, and lampposts. If you’re a fan of lights, too, you can wrap them around most anything in your yard, provided you secure them from wind.

To get the most from your lights, go with LED, which take less energy to run – up to 80-percent – and last an average of 50,000 hours, instead of the 25,000-hour lifespan of incandescent. And the nuisance of hunting for the one burned out or loose bulb that keeps the whole strand dark is a thing of the past with LEDs, which light up even if one bulb is shot.

Made from epoxy resin, LED bulbs are harder to break than the glass incandescents.

When getting ready to string up your house, do what makes you happy. If multi-color lights thrill you, put them up. If you

prefer understated single colors of white and one other color, such as green, don’t hesitate to hang them. But if you’re going to use large blocks of single colors, take time to see how they work together. I learned that large blocks of white, red, and blue make a nice Fourth of July theme, rather than Christmas.

My spouse said he felt like saluting each time he arrived home after dark.

The secret to getting drama with unvarying color is to mix bulb sizes. Tricking the eye into thinking they’re twinkling, the combination of large bulbs (size C-7) with smaller lights jazzes up icicle strands along gutters and branch lights on trees. For the illusion to have its best effect, match the colors.

Get your trees into the spirit by wrapping them up in lights.

For a pro touch, wrap evergreens in a spiral, and if doing several evergreens, be sure to wrap in the same direction in evenly spaced rows. Treat deciduous trees differently, since their limbs are bare. Run the lights along the branches to highlight their

Loveland Reporter-Herald – AtHomeColorado.com

outline, instead of trying to make them a spiral. If stringing lights in your trees requires you to climb a ladder, consider hiring a company to have it done.

Ladders in winter can be risky.

Think beyond the house by lighting fences, trellises, or pillars, by adding a touch of fun stringing wheelbarrows with lights. Traditional items such as old children’s sleighs or wagons on the front porch sparkle with a bit of light. Then sit back, and enjoy the show.

Carol A. O’Meara is an Extension Agent – Horticulture Entomology at Colorado State University Extension Boulder County. For more information contact CSU Extension at the Boulder County Fairgrounds, 9595 Nelson Road, Box B, Longmont, 303.678.6377, e-mail comeara@bouldercounty. org or visit ext.colostate.edu/ boulder.

December 14-15, 2019

DESIGN RECIPES

opt to use bed skirt panels, which are four separate panels that are pinned or tacked along each edge of a mattress.

Best ways to style a bed

By Cathy Hobbs Tribune News Service (TNS) Some homeowners believe is the key to a well-designed and aesthetically pleasing bedroom is well-made bed. While there are certainly some designer tricks of the trade, some flexibility and creativity can come into play in bed making. Here are some tips on ways to dress a bed.

Toss pillows Toss pillows are an interior designer staple when it comes to creating an appealing bed. And sometimes, less is more. Gone are the days in which a bed had to be loaded with a pile of pillows.

These days many designers suggest a simple stacking of sleep pillows against the headboard, while two to four decorative front pillows create a finished and elegant look.

A headboard is dressed up with an extended drop bed skirt and oversized duvet.

(Handout/TNS)

This is the perfect opportunity to infuse pattern, color and texture.

Headboards Often headboards work in a space because of space-saving needs. If you decide to use a headboard, this typically means pairing it with a metal frame.

Metal frames can be unsightly,

so you will want to make sure it is properly concealed. The best way to do this is with a proper bed skirt or bed skirt panels. Bed skirts can be box pleated for a more modern look or ruffled for a more traditional appearance.

To ensure you cover the frame, the longer the drop the better. As an alternative, many designers

Layering your top of bed If you are looking for a luxurious plush bed, layering is the key. A popular technique used by designers involves layering a bed in the following order (bottom to top): UÊ Mattress UÊ Feather bed (if a softer bed is desired) UÊ Mattress cover UÊ Bottom fitted sheet UÊ Top sheet UÊ Coverlet or blanket UÊ Duvet cover (with duvet insert inside) UÊ Throw and toss pillows to add a decorative touch 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 .

REAL ESTATE Pathfinder Partners Completes Upgrades at Two Adjoining Boulder Apartment Communities 1960’s and 1970’s-Vintage Properties Transformed for 21st Century Living Two adjacent Boulder apartment communities – Henley and Remy – have been completely renovated and outfitted for 21st century living. Situated on 3.9 acres, the newly modernized communities are joined by sweeping open space and share an array of amenities.

According to San Diego-based Pathfinder Partners’ senior associate Aaron Flores, his company purchased the properties in 2017 and immediately embarked on a design and refurbishment project to modernize and upgrade the decades-old communities. Henley is a 50-unit property built in 1974; Remy is a 32-unit property built in 1968.

“The transformation of these properties is dramatic,” he said. “The end result is an elevated lifestyle for residents seeking a boutique, amenity-rich community with modern comforts.”

Flores said significant improvements were made to both communities, among them apartment interior updates, new exterior paint, enhanced landscaping and common area upgrades – including a completely refurbished clubhouse and the addition of a lounge/billiards room and a new yoga space.

Both communities share amenities including an updated indoor pool area,

December 14-15, 2019

clubhouse lounge area, community kitchen, state-of-the-art fitness room/equipment and outdoor patio areas with plush new furnishings.

With many units offering sweeping views of the Flat Iron Mountains, the homes at Henley and Remy are spacious – with fireplaces, full-sized washers and dryers, secure garage parking, oversized patios and balconies and built-in storage.

Apartment interiors have been fully modernized to include stainless steel appliances, quartz countertops, new shaker cabinet fronts, contemporary lighting and plumbing fixtures and faux wood flooring throughout the living areas. Floor plans range up to 1,500 square feet – some of the largest apartments in Boulder. A mix of studio, one-, two- and three-bedroom options are available.

Residents enjoy close proximity to employment centers, shopping, dining, parks, hiking trails and entertainment venues including downtown’s lively Pearl Street Mall.

More information is available at https://www.livehenleyandremy.com/.

Pinnacle Property Management Services oversees daily operations and leasing

activities for the two communities. For leasing information, call 303-499-8603 or email HenleyRemyMGR@pinnacleliving.com.

About Pathfinder Partners, L.P. Headquartered in San Diego, Pathfinder Partners was founded by Mitch Siegler and Lorne Polger in 2006 to make opportunistic investments in distressed real estate assets and value-add properties.

Pathfinder has acquired or sold $1 billion of properties since inception, including 17 properties in Colorado since 2009, of which seven are still owned by the firm.

Pathfinder’s current portfolio is comprised

Loveland Reporter-Herald – AtHomeColorado.com

primarily of apartment properties in major cities in the western U.S. Pathfinder seeks to maximize value through property enhancements, improvements in operations and marketing, property repositioning and other strategies.

For more information on the firm or Pathfinder Partners Income Fund, visit www.pathfinderfunds.com or contact Mitch Siegler at msiegler@pathfinderfunds.com or 858-875-4455.

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COVERPROFILE

How can I save money with

ENERGY-EFFICIENT HOME UPGRADES?

By Diana Crandall, Angie’s List Angie’s List (TNS) From LED lights to electric cars, the market for energyefficient investments can feel overwhelming and oversaturated.

Fortunately, there are a few home improvements you can make that really do make a difference in your bottom line. These six projects will go easy on your wallet and the environment.

INSTALL SOLAR PANELS Harnessing the sun’s energy to power your property is a long-term, low-risk investment — and it pays. Fitting your roof with solar panels can reduce your electricity bill by thousands of dollars over its lifespan — about 25 years — and it can also increase the overall value of your home.

ENERGY-EFFICIENT LIGHTING On average, your household spends about 5 percent of its energy costs on lighting, according to the Department of Energy. By switching to energyefficient lightbulbs, you’ll get the same amount of light in your house for a fraction of the cost. Halogen bulbs, compact fluorescent lamps (CFLs) and light-emitting diodes (LEDs) are a little pricier than traditional incandescent bulbs, but they’ll save you money over time because they last longer and use less energy. Have high ceilings or complex lighting in chandeliers or other light fixtures? Call in a handyman to help make replacements. Homeowners generally pay about $60-$65 an hour for a handyman, according to the Angie’s List Pricing Guide.

CHOOSE LOW-FLOW SHOWERHEADS A low-flow showerhead is a simple energy hack that can 4

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Even small energy-efficient updates in your home can save you hundreds of dollars each year. (Dreamstime/TNS)

lower your water consumption by as much as 40 percent — and help you save on your bill.

Even though an eco-friendly showerhead uses less water, there are models that maximize flow so you don’t have to suffer through a low-pressure rinse. If you need help swapping out shower heads, call in a local plumber.

HIRE AN ENERGY AUDITOR Most energy-efficient improvements add value to your home in addition to saving you money on your utility bill. But if you’re unsure about where to start, or would like to know precisely how much gas and electricity your house uses (and how to make it more cost-effective), a home energy assessment can answer those questions for you. There

might be problems you aren’t even aware of — and fixing them can save you thousands.

Homeowners report paying between $205-$650 for a home energy audit, according to the Angie’s List Pricing Guide.

INVEST IN INSULATION Imagine your heating and cooling costs slashed by 15 percent. That is the type of savings you can expect when you air seal your home and add insulation to problem areas throughout it, according to the Environmental Protection Agency. Factors that influence overall savings include location and construction style of your home, with some homeowners cutting 20 percent off their yearly utility bill.

Loveland Reporter-Herald – AtHomeColorado.com

UPDATE HOME TECH Power-saving outlets, smart thermostats, an energy monitor you can actually read — there are plenty of ways to upgrade the technology in your home to conserve energy and, ultimately, save money. Regulate your home’s temperature, track your solar power production and stop home appliances from draining power when they’re not in use.

Every little bit helps shave dollars off your bill.

——— Diana Crandall 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.

December 14-15, 2019

ASK THE EXPERT

Protect your home from water intrusion T& SA -4 EN N 12 P O SU

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BY RICK JACQUEMARD Flatirons Home Inspections

Water may Check the flashing around vents, chimneys and skylights . be essential to (Shutterstock) life, but it can diminish the should be relatively consistent value of your home. Whether throughout a basement. Large you are buying or selling, hire a variations in moisture content of qualified inspector to determine finished walls could indicate a the integrity of your homes leaking foundation behind. building components that enclose Check for leaking plumbing the structure, also known as the fixtures, dripping pipes, clogged envelope. All water intrusion drains and defective water issues are fixable and should be drainage systems. Regularly clean repaired as soon as practical. off, then dry all surfaces such as Homes can suffer water windowsills where moisture can damage resulting in decreased collect. Expansion joints between property value, increased bricks, pipes and other building maintenance costs, and decline materials that absorb movement in indoor air quality. Ensuring should be in good condition or that your homes exterior is water water intrusion can occur. Storage resistant can protect against areas should be kept clean. potential loss. This would include Allow air to circulate to prevent the roof, siding, windows, doors potential moisture accumulation. and foundation. Also, be sure Label water shut-off valves that the plumbing and ventilation so that the water supply can be systems are well maintained and easily closed in the event of a operating efficiently. plumbing leak. If water intrusion Windows and doors should does occur, you can minimize be checked for signs of leaks. the damage by addressing the Check roofing systems for problem quickly and thoroughly. evidence of leaks. This can be Immediately remove standing done by observing the underside water and all moist materials. of roof sheathing in attics, and Replace carpet, drywall and/ vaulted ceilings in the interior or plaster on walls and ceilings. of a home. Also, check around Should your home become flashing at roof vents, chimneys damaged by a catastrophic event and skylights. Seal any cracks such as a flood or hail storm, take or holes in exterior walls, joints appropriate action to prevent and foundations. These are further water damage. This may your homes first line of defense include boarding up damaged between water and the interior. windows, covering a damaged It is essential that they be roof with plastic sheeting, and/ maintained properly. or removing wet materials and There should not be any supplies. Fast action on your part moisture in basements or crawl will help minimize the time and spaces. Moisture can be an expense for repairs. indicator of a cracked and/ For more information on or leaking foundation wall. A home inspections contact Rick moisture meter can be used to Jacquemard, at 720.280.3t544, check the moisture content of e-mail rick@flatironshi.com or finished basement walls. Readings visit flatironshi.com.

December 14-15, 2019

2214 3rd St SW, Loveland Affordable townhome in SW Loveland. 2 beds and 1.5 baths, gas log fp, Tharp cabinets and a full unfinished basement. $5000 floor covering allowance. $280,000 | MLS #892931

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Taft Gardens, Loveland

1445 Gard Dr is 1 of 2 homes ready NOW at Taft Gardens in heart of Loveland! Model open!

Solid surface counters, hardwd & more. NO METRO DISTRICT! 1467 Gard Dr: $435,224. 4 more homes ready for delivery in next 30 daysstop by for details!

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2015 Cuda Ct, Berthoud

2015 Cuda Ct, Berthoud

Located on over a 10,000 sqft lot. Wonderful Mountain views.

Nearby recreation including fishing, and new TPC Golf Course.

NO METRO TAX! Beautiful Modern Farmhouse home BRAND NEW & ready for you!

$679,900 | MLS #894105

$679,900 | MLS #894105

Call Brittany Torres

Call Tracy Wilson

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1112 104th Ave, Greeley

MOVE IN READY! Aspen Homes ranch w/full UF bsmt. Lg master w/WIC & 5pc. Gorgeous eat-in kitchen. Std:A/C, Smart thermostat, tankless H20 heater. Save $ monthly - highly efficient home.

Front landscape, back patio. $3k preferred lender incentive. $338,000 | MLS #881695

Call Dennis Schick

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Located on over a 10,000 sqft lot. Wonderful Mountain views.

Nearby recreation including fishing, and new TPC Golf Course.

NO METRO TAX! Beautiful Modern Farmhouse home BRAND NEW & ready for you!

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970-371-4144 Lani@HomesByLani.com

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Call Michelle Roberts

Call Lani Carwin

970-622-1809 julies@rmfa.com

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$420,000| MLS #899696

$515,315| MLS #898756

Listed by Julie Stinson

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1775 Monarch Circle, Loveland The home that dreams are made of. 3bdrm/3bath/3car garage, finished basement, wraparound porch, deck, patio, hot tub, balcony off luxury master, fireplace, happiness.

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2630 Rosybill Ln, Johnstown

Picture perfect curb appeal! Stroh Farm home w/ formal living & dining, updated laminate flr, bright eat-in kitchen w/island, SS apps, family rm w/built-ins & FP, loft! Spacious master w/5pc & walk-in closet. UF bsmt for future finish! Enormous patio! Oversize 3-car garage.

3981 Roper Trl, Severance

BRAND NEW! Stately 2-story on ½ acre w/greenbelt & pond w/unobstructed mtn views! Huge great rm w/ FP, main flr bd/study w/full bth, 42” Kona maple cabinets, granite w/tile backsplash, SS apps, 6” plank hardwd, A/C. Master upstairs, loft, laundry, 2 bds.

Oversize 3 car garage!

546 Greenspire Dr, Windsor

Greenspire ranch by Aspen Homes.

Master w/5pc & WI closet. Eat-in kitchen w/island, hardwd, walk-in pantry, granite/quartz, tile backsplash, double oven, slate/SS apps. Covered patio.

Std: FP, A/C, smart thermostat, tile entry, tankless H20 heater.

6 CAR GARAGE w/8’ doors & openers.

$431,000 | MLS #891052

$685,000 | MLS #893418

$485,000 | MLS #889023

Call Dennis Schick

Call Dennis Schick

Call Dennis Schick

970-567-3942 dschick001@outlook.com

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 | (970) 226-3990 125 S. Howes St, Ste 120, Fort Collins | (970) 482-1781 750W Eisenhower, Loveland | (970) 669-1234 1275 58th Ave, Ste A, Greeley | (970) 330-5000 2006 Cleveland Ave,Wellington | (970) 206-8343

Loveland Reporter-Herald – AtHomeColorado.com

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OPEN HOUSE

LIST YOUR OPEN HOUSE Berthoud 2156 Elmwood St $590,000 Saturday 1:00 AM-4:00 PM 2156 Elmwood St C3 Real Estate Solutions (970) 217-6060

Fort Collins 3622 Copper Spring Dr $730,000 Saturday 12:00 PM-3:00 PM John Simmons C3 Real Estate Solutions (970) 481-1250 3622 Copper Spring Dr $730,000

QUICK GUIDE

VISIT OPENHOMES.ATHOMECOLORADO.COM OR CALL 303.473.1456, 303.684.5329 928 Cimarron Drive (Sales Center) Starting at $429,900 Sunday 11:00 AM-5:00 PM Tracy Carruth Markel Homes (720) 324-8350 675 Amelia Lane (Sales Center) Starting at $434,900 Saturday 11:00 AM-5:00 PM Marlita Lazo Markel Homes (303) 651-9565

C3 Real Estate Solutions (970) 481-1250

Greeley 1112 104th Ave $338,000 Saturday 12:00 PM-2:00 PM Dennis Schick RE/MAX Alliance - Fort Collins (970) 567-3942 1112 104th Ave

675 Amelia Lane (Sales Center) Starting at $434,900 Sunday 11:00 AM-5:00 PM Marlita Lazo Markel Homes (303) 651-9565 2481 Lexington St. $735,000 Saturday 11:00 AM-2:00 PM Brian MacDonald Coldwell Banker Residential Brokerage (303) 915-6126

Longmont 2276 Watersong Circle $380,000 Saturday 1:00 PM-3:00 PM Jordan Sebastiano WK Real Estate (303) 541-1949

$338,000 Sunday 12:00 PM-2:00 PM Dennis Schick RE/MAX Alliance - Fort Collins (970) 567-3942

Lafayette 928 Cimarron Drive (Sales Center) Starting at $429,900 Saturday 11:00 AM-5:00 PM Tracy Carruth Markel Homes (720) 324-8350 6

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Severance 39958 Hilltop Circle

Sunday 11:00 AM-5:00 PM

$924,000

Roz Pinon

Saturday 12:00 PM-3:00 PM

Markel Homes

John Simmons

(720) 583-2170

C3 Real Estate Solutions (970) 481-1250

612 West Grange Court $599,900

39958 Hilltop Circle

Sunday 12:00 PM-3:00 PM

$924,000

Roz Pinon Markel Homes

Sunday 1:00 PM-4:00 PM John Simmons

5801 Grandville Avenue (Sales Center) Starting at $599,900

(720) 583-2170

Loveland 106 N Pamela St

5801 Grandville Avenue (Sales Center) Starting at $599,900 Saturday 11:00 AM-5:00 PM Roz Pinon Markel Homes (720) 583-2170

C3 Real Estate Solutions (970) 481-1250

Superior 2031 Dailey Lane

New Homes from the $300’s to $400’s

$725,000

Saturday & Sunday 9:00 AM-5:00 PM

Saturday 11:00 AM-2:00 PM

Bill Orton

Donald Elm

LC Home

Private Party

(303) 587-4085

(720) 470-2267

106 N Pamela St

1540 S. Pitkin Avenue

New Homes from the $300’s to $400’s

$799,000

Tuesday 9:00 AM-5:00 PM

Sunday 1:00 PM-3:00 PM

Bill Orton

Barry Remington

LC Home

WK Real Estate

(303) 587-4085 4805 Mariana Hills Circle New Homes From The $600’s to $700’s

1776 Sunshine Ave $459,000 Saturday 12:00 PM-3:00 PM John Simmons C3 Real Estate Solutions (970) 481-1250

Sunday 12:00 PM-3:00 PM John Simmons

Saturday & Sunday 9:00 AM-5:00 PM Matt Walkowicz LC Home (970) 217-4787

(720) 373-9297

Windsor 5510 Fairmount Dr $614,999 Saturday 12:00 PM-3:00 PM John Simmons C3 Real Estate Solutions (970) 481-1250

4805 Mariana Hills Circle

5510 Fairmount Dr

New Homes From The $600’s to $700’s

$614,999

Tuesday 9:00 AM-5:00 PM

Sunday 12:00 PM-3:00 PM

Matt Walkowicz

John Simmons

LC Home

C3 Real Estate Solutions

(970) 217-4787

(970) 481-1250

Loveland Reporter-Herald – AtHomeColorado.com

December 14-15, 2019

OPEN HOUSES FEATURED ATHOMECOLORADO.COM/OPEN-HOUSES

OPEN SATURDAY 12-5

1533 Monroe Ave., Loveland $289,000

730 N. Country Trail, Ault

$339,447

Wonderful home across the street from school!

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Bromley w/4bd, 3ba & 2,297sf built by Baessler Homes. $5,000 in free upgrades or closing costs.

H M Main floor lives like it has 2 master suites. Galley kitchen w/42” uppers. Finished bsmnt w/family k rroom, 2 bds & full bath. A/C & front landscaping included. Model @ 602 Conestoga Dr MLS#898238 in

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LIST YOUR OPEN HOUSE

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VISIT ATHOMECOLORADO.COM/SUBMIT-OPEN-HOUSE OR CALL 303.473.1456, 303.684.5329

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Large 3/4 Acre Lot!

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79 Green Mountain Drive, Loveland 3805 Verbo Road, Loveland $465,000 • MLS# 900115 $565,000 899267

2800 Kyle Circle, Loveland $625,000 • MLS# 898211

4151 Wilderland Way, Loveland $925,000 • MLS# 877823

3505 S County Road 31, Loveland $1,200,000 • MLS# 871670

1992 43 Beds • 42 Baths • Total Sq. Ft. 2916

5 Beds • 4 Baths • Total Sq. Ft. 3943 Come see this home in desirable Bonnell

138 Acres of Vacant Land bordering Devils

TakeOutbuildings? a look at this quaint on Need Take acabin look atsitting this rural half anonacre Pinewood Reservoir home 3/4 overlooking acre with 2 car attached garage, less than 30 minutes fromstorage all the 2located car detached garage with bonus conveniences Downtown Loveland and space, and athat 25x40 RV Garage with 11’ the surrounding areanohas to offer! doors! All with HOA!

West! Features main floor office, main

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away! Call for more details or to

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schedule a tour!

3 Beds • 4 Baths • Total Sq. Ft. 2820 Opportunity abounds at the North Shore RV Park & Store with multiple streams of income with potential for more! Schedule your showing now to see this Live/Work property in the Carter Lake area!

Co-listed with Rico Devlin 970-413-1182 • rico@lcrealestategroup.com

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970-231-4172 • jfeeney@c3-re.com My marketing can get your property sold…Contact me now and receive a FREE market analysis!

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

December 14-15, 2019

Loveland Reporter-Herald – AtHomeColorado.com

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REAL ESTATE MATTERS

Leaving your home to a family member? Consider these options.

By Ilyce Glink and Samuel J. Tamkin, Tribune Content Agency

Q

: I am a 77-year old widowed woman. I have a house with a mortgage that I purchased a little over a year ago.

At the closing I asked if I could put my daughter on the deed with me, but the mortgage company wouldn’t allow it. I don’t want her to have to go through probate because this is my only asset. Is there a way I can leave the house to her so she can sell it and pay off the mortgage? There is some equity in it.

A

: We’re surprised your lender wouldn’t allow you to add your daughter to the title to your home.

Usually, a lender wants to make sure that the borrower on the loan matches the owners on the title to the property. This is normal.

In this situation, you are the only owner of the home, so you would

be the only borrower and you’d be the only person on the mortgage to the home.

However, you wanted to add your daughter and it’s not unusual for a lender to allow a non-borrower spouse or child to be on title but not on the loan.

When the lender allows it, all the loan documents are signed by the borrower and a few documents would also be signed by the nonborrowing owner of the home.

For example, if the lender had allowed you and your daughter to own the home and have you as the only borrower, you would have signed all of the loan documents and your daughter would have signed the mortgage as a nonborrowing owner.

Now that you have closed on the loan and the lender didn’t allow you to put your daughter on the title to the home, you have several options. The first option is to do nothing but make sure that you have a will in place giving the

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8

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home to your daughter. Upon your death, your daughter would have to go to the probate court and, through probate, transfer title to her name or sell the home. Going through probate does increase some costs and can be a bit burdensome, especially if someone is grieving the loss of a loved one.

The second choice is to set up a living trust. You’d transfer the title to the home to a living trust of which you would be the owner and trustee. From your perspective nothing much would change. The one difference here is that you would designate your daughter as the successor beneficiary and trustee of the trust. Upon your death, your daughter would step into your shoes.

A third option is a transfer on death (sometimes known as a TOD) instrument. This type of document is not preferred by many real estate professionals for reasons that are too complicated to go into in this column. But the transfer on death document would allow you to record a document now that would state that upon your death the home would go to your daughter.

Lastly, you can also transfer ownership of the home to you and your daughter through a quitclaim deed to hold the home as joint tenants with rights of survivorship. Upon your death the home would automatically become your daughter’s home.

You should know, however, that the transfer of the home in this manner could potentially trigger the lender’s due on sale clause of the mortgage. This means, if the lender wanted to follow the documents you signed to the full extent of the language in the documents, it could say that you have violated the terms of your loan and are in default under the loan.

We’ve never seen or heard of a lender doing this under your circumstances, but you should know that it is a possibility.

One last thing you should consider are the tax consequences on your daughter. If you put your daughter on title to the property, you’re essentially gifting her half of the value of the home. That could cause tax complications

Loveland Reporter-Herald – AtHomeColorado.com

down the line, as she will lose her ability to get a stepped-up basis.

If, however, your daughter gets title to the home through a will, the living trust or the transfer on death instrument, your daughter will inherit the home at your home’s value at or around the time of your death (the stepped-up basis).

Here’s how it works: Let’s assume you purchased the home for $50,000 many years ago and now the home is worth $250,000.

If she inherits the property either via your will, transfer via the trust, or through a transfer on death deed, your daughter would inherit the home at a value of $250,000. If she turns around and sells the home, she wouldn’t pay any federal income taxes on the sale. On the other hand, if you make her your co-owner, her share of the home would be a gift to her and the cost of her half would be $25,000, or half the cost of the property.

If she sells the property after you die, she’d pay federal income taxes on the increase in the value of the home from $25,000 to $125,000, or $100,000. She wouldn’t pay any tax on the other half, because she would inherit the other half share when you die and she would not make any profit on the sale when the IRS considers your half interest worth $125,000 at the time of your death.

We hope this information helps you make a decision once you consider the value of the home, what you paid for the home, the costs involved in each scenario and your preferences in how you’d prefer to handle your particular situation. For more information, talk to a real estate attorney or estate planning attorney.

(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.)(c) 2019 Ilyce R. Glink And Samuel J. Tamkin.

Distributed By Tribune Content Agency, LLC. December 14-15, 2019

Featured Property

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One of the most desirable subdivisions in Fort Collins this home has plenty of room for everyone. Near hospitals, shopping, dining & schools. Swimming pool community w/parks & trails. Amazing home!

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Amazing 2 story home with over 5,000 finished square feet and room for everybody. Professionally finished basement, inground swimming pool and hot tub. Near Carter Lake, Flatiron & Pinewood Reservoir.

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

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

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9

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 Celestina Menard -- 631 Country Road Trail, Mission Ventures LLC, $290,800.

UÊ Robert Merkle -- 603 Country Road Trail, Mission Ventures LLC, $335,700.

UÊ Justin Roach -- 1613 Murrlet St., 1613 Murrlet St LLC, $357,000.

UÊ Kari Kirbach -- 1410 Glacier Ave., Michael T Cook, $360,000.

UÊ Jeffrey and Tammy Heiserman -1025 3Rd St., James Earl Massie, $369,900.

UÊ Hunter and Jasmine Hawkins -- 517 S 9Th St., Kari and Jeremy Young, $389,000.

UÊ Shon Cook -- 568 Tristan Place, Saint Aubyn Homes LLC, $400,000.

UÊ Catherine and Curtis Colbert -- 155 Quandary Ave., Kevin and Kendall Pischke, $415,000.

UÊ Levi and Silvia Kettle -- 2102 Cadman St., Aspen View Homes LLC, $536,100.

Estes Park UÊ Douglas Lowrey -- 1010 S Saint Vrain Ave. Unit G2, Lisbeth B Lord, $239,500.

UÊ Andrew Hampton -- 406 Aspen Ave., Carla J Boysen, $327,000.

UÊ Lisbeth Lord -- 1266 S Saint Vrain Ave. # 1C, Larry and Violet Carpenter, $343,400.

Fort Collins UÊ Corey and Vanessa Farrell -- 8205 Taylor Court, Patrick and Karen Portice, $277,500.

UÊ Joseph and Juliann Hudson -- 5220 Boardwalk Drive Unit G21, Linda Cumming, $290,000.

UÊ Susan Williams -- 2109 Owens Ave. Apt 202, Susan and Philip Paarlberg, $295,000.

UÊ Lucas Stanley -- 1925 W Plum St., James P Madden , $300,000.

UÊ Douglas Bennett -- 326 E Myrtle St., Dennis and Mary Sovick, $307,000.

UÊ Alex Carbajal -- 1126 Lochmore Place, Brant L Mortimer, $324,000.

UÊ Lorie Federman -- 819 Woodland Way, Chuong and Luan Du, $328,300.

UÊ S and Phyllis Stoner -- 2916 Swing Station Way, Elizabeth K Topliff, $337,800.

UÊ William and Anne Renfro -- 439 Toronto St., Thomas O Mcquaid Jean Cool 1, $347,000.

UÊ Jerimie Lee -- 2300 Antelope Road, Elizabeth and Phillips, $349,000.

UÊ John Wolfe -- 2221 Bowside Drive, Suchan Lamichhane, $350,000.

10

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UÊ Edward and Destin Fisher -- 2031 Tunis Circle, James P Madden Loretta Madde, $351,000.

UÊ Jeremy and Sheri Deuto -- 609 Juniper Lane, Owen C Smith, $352,000.

UÊ Miranda Peed -- 2432 Crabtree Drive, Finn Rentals LLC, $363,000.

UÊ Delhia and Greg Mahaney -- 315 Skyraider Way Unit 5, Hartford Homes Mosaic LLC, $376,600.

UÊ Collin Rue -- 1928 Larkspur Drive, Maria I Cruz, $390,000.

UÊ Curtis and Debbie Claussen -- 302 N Meldrum St. Unit 205, Maple Group LLC, $398,000.

UÊ Neeraj and Shiveta Sehgal -- 2020 Fossil Creek Parkway, C David Stansfield, $400,100.

UÊ Allen Dye -- 2808 Sage Creek Road, Our Home Your Home Creek, $407,300.

UÊ Barbara Mitchell -- 1208 Kirkwood Drive, Carter and Jennifer Gronbach, $411,500.

UÊ John Bailey -- 1336 Tarryton Drive, Jeremy Schaeffer, $420,000.

UÊ Rick and Amy Kao -- 2801 Dundee Court, Jason and Laura Labelle, $421,000.

UÊ Nilesh and Renuka Ambedpelliwar -- 6138 Carmichael St., Thomas and Wilaiwan Northrop, $440,100.

UÊ Marta and Adam Rowh -- 2908 Golden Harvest Lane, Shari C Cahill, $452,000.

UÊ Molly and Rod Austin -- 3014 Cobb Drive, Jennifer and Andrew Scheaffer, $454,000.

UÊ Brandon and Kristen Locke -- 1816 Cannes Court, Carmelo and Rochelle Sanchez, $470,000.

UÊ Joseph and Maria Daly -- 1018 Coachman Lane, Michael R Siler, $525,000.

UÊ Dennis and Elaine Edwards -- 1025 Sailors Reef, Debra L Jensen, $530,000.

UÊ Kimberly and Jeffrey Kelley -- 3213 Greenwood Court, Kelvin and Ariel Witt, $545,000.

UÊ Kristoffer Woodward -- 4658 Shetland Lane, Scott and Annah Moore, $550,000.

UÊ Rose and Trevor Nash -- 629 Mathews St., Laurie Lei Strand, $562,000.

UÊ Devon Dellenbach -- 1400 Laporte Ave., Jamie and Nathan Miller, $575,000.

UÊ Robin Palmer -- 5921 Sapling St., Toll Co I LLC, $578,000.

UÊ James and Kathryn Fordyce -- 1735 Linden Lake Road, Jerry Joe Lindsley, $1,100,000.

Greeley UÊ Thomas Bearden -- 2840 W 21St St. Unit 8, Holly R Hupfer, $213,000.

UÊ Donald and Linda Schaffer -- 4607 Hot Springs Drive, Cmh Homes Inc, $218,400.

UÊ Bryan and Tatum Spaeth -- 1735 Fairacre Drive, Peggy Rhodes, $220,000.

UÊ Timothy Fuller -- 3660 W 25Th St. Unit 303, Tru Grit Noco LLC, $253,000.

UÊ Kyler Thomas -- 5600 W 3Rd St. Bldg 50, Marvine Flavin, $275,000.

UÊ Stephen and Elizabeth Thomas -- 4948 W 8Th St., Eric M Walker, $296,000.

UÊ Rowdy Hickman -- 1501 23Rd Ave., Mary E Andrade, $303,000.

UÊ Jennifer Lavigne -- 434 38Th Ave., Charlotte A Lauridsen No, $310,900.

UÊ Susannah and Erik Vargas -- 2017 80Th Ave. Court, Heather M Brownell, $335,000.

UÊ Joaquin Guadalupe -- 4005 W 13Th St., Samuel Trevor Leighton, $347,900.

UÊ Ronald and Sandra Ehrlich -- 1550 41St Ave. Court, Thomas and Bonnie Adams, $420,000.

UÊ Shane and Jennifer Powell -- 3519 Holman Court, Richard L Monfort, $1,200,000.

Johnstown UÊ Ryan Hansjosten -- 415 Boulder Lane, Linxin Davis Dong, $343,000.

UÊ John and Cortnee Lemmons -- 268 Buckeye Ave., Rodney Waltman, $375,000.

UÊ Cameron Cale -- 3746 Holmes Lane, Kenneth R Torbeck, $378,000.

UÊ Cody and Natalie Johnson -- 3606 Kirkwood Lane, John and Cori Pacillo, $422,500.

UÊ Laura Knudsen -- 4539 Angelica Drive, Jeffrey and Sandra Nellor, $638,000.

Loveland UÊ Sara Rice -- 396 Audrey Drive, Suzanne and Ann Rice, $206,000.

UÊ Matthew Fudala -- 1507 Gloria Court, Mark and Tracey Warner, $235,000.

UÊ James and Pamela Wade -- 3610 S Garfield Ave., Alan E Jones Trust, $240,000.

UÊ Jeffrey Mohlin -- 175 Carina Circle Unit 102, Kell Family Revocable Trust, $247,000.

UÊ Randall and Evangeline Snyder -- 720 Roosevelt Ave., Thomas P Wirtz, $278,000.

UÊ Alexander Huffsmith -- 1405 Dover St., Ryan and Kari Oliver, $281,000.

UÊ John and Trudi Gleasman -- 193 Johnson Drive, William and Helen Hughes, $310,000.

UÊ Shayle and Shawn Sabo -- 2833 Azalea Place Sw, Connie J Todd, $325,000.

UÊ Alex and Taran Deniston -- 3937 Willowood Ave., Ashley M Dees, $326,000.

UÊ Jason and Jeffery Laguna -- 4748 Parachute Circle, Ruth N Wilson, $328,900.

UÊ Joseph Rogers -- 3907 Briar Drive, Loretta and Kenneth Hein, $340,000.

UÊ Benjamin and Mariel Schmitt -4274 Peach Tree Court, Sarah Beth Bliss, $342,000.

UÊ Asa Jones -- 1334 Warbler St., Angela Bayer, $345,000.

UÊ Douglas and Cynthia Littlefield --

Loveland Reporter-Herald – AtHomeColorado.com

UÊ

UÊ

UÊ

UÊ

UÊ

UÊ

UÊ

UÊ UÊ UÊ

1399 W 45Th St., Eric and Jennifer Lintz, $350,000.

William and Heather Lanter -- 4760 Hahns Peak Drive Apt 201, Flats Centerra LLC, $353,500.

Bethany Bond -- 927 Scotch Elm Drive, Juanita M Roberts Trust, $375,000.

Michael and Leslie Deery -- 2828 Sand Beach Lake Drive, Richmond Am Homes Colo Inc, $423,500.

Susan Albern -- 8140 W Us Highway 34, Bettie and Dan Stubbs, $450,000.

Suzanne and Kenneth Smikahl -5454 Wild Lane, Cody and Natalie Johnson, $462,000.

Patrick and Rhonda Smith -- 940 Norway Maple Drive, Jeremy and Sara Adent, $465,000.

John and Sasha Bradley -- 3330 Sedgwick Circle, Joseph and Rachel Lastella, $466,000.

John Gilbert -- 1267 Crabapple Drive, Randy D Munger, $480,000.

Karen Mead -- 4710 Swainsona Drive, Jim L Brown, $515,000.

Peggy Lawless -- 1509 Cliff Side Drive, Daniel L Plunk, $621,000.

Windsor UÊ Raymond and Ginger Victor -- 100 Crabapple Drive, Sarah L Nelson, $298,500.

UÊ Anna Baker -- 2116 Day Spring Drive, Journey Homes LLC, $325,500.

UÊ Lynda Gerstner -- 2109 Reliance Drive, Journey Homes LLC, $328,000.

UÊ Kristen Carroll -- 1547 First Light Drive, Journey Homes LLC, $338,400.

UÊ Jeremiah Siscoe -- 2055 Reliance Drive, Journey Homes LLC, $350,300.

UÊ Yiqian Wang -- 2108 Orchard Bloom Drive, J J Constr Northern Colo LLC, $356,700.

UÊ Jason and Amy Thomas -- 2082 Reliance Drive, J J Constr Northern Colo LLC, $408,600.

UÊ Joel and Sommer Clifford -- 5540 Chantry Drive, Aspen View Homes LLC, $454,100.

UÊ Jamie and Marc Mcbryan -- 1944 Shadow Lake Drive, Calatlantic Group Inc, $486,600.

UÊ Douglas and Evelle Cleary -- 172 Halibut Drive, Survivor Trust Edelberg , $490,000.

UÊ Theresa Whyard -- 525 Walnut St., Jeremy M Siscoe, $495,000.

UÊ Brad Starnes -- 2162 Reliance Court, Aspen View Homes LLC, $499,900.

UÊ Gary and Terri Mcdonald -- 2175 Crop Row Drive, Aspen View Homes LLC, $540,600.

UÊ Sean and Cristina Standridge -2160 Orchard Bloom Drive, Aspen View Homes LLC, $586,200.

December 14-15, 2019

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.

Mobil Home for Sale, Loveland 221 W. 57th St 1B, 1992 Titan 28'x56' 3BR/2BTH, 20'x11' & 52"x10' Rdwd decks Cntrl H/A, All Appliances, $60,000 (817) 313-3978

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

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

Rentals

NE Longmont 1BR Apt: $800/month + deposit, Trash, Gas, Water Paid.

303-941-2158 or email Slavenski8@aol.com

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

No Pets. 1 Year Lease.

970-669-7850

Lost Something?

Found Something?

now for a free LOST & FOUND ad.

Call

CALL IT HOME.

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

303.466.3636 BOULDER/BROOMFIELD/LONGMONT 970.635.3650 LOVELAND

JOBS. WHEELS. HOMES. STUFF.

FIND IT. SELL IT. FAST. December 14, 2019

Reporter-Herald

AT HOME

R11

GOLF COURSE LIVING. RIDGE VIEWS. NEW HOMES. W Eisenhower Blvd.

Rossum Drr..

34

B h ig T

NEW HOMES FROM THE $600'S, LOTS FROM THE $140'S

Sales Tues,Fri Fri- Sat - Sun 10am - 6pm SalesOffice Office | Tue, 10am - 6pm Matt | (970) 217-4787 RollinWalkowicz Goering | (970) 402-6432

ps om

 18 Hole Golf Course Community

on

 Nature Trails  Big Thompson River & Hogback Views

Mariana Butte Golf Course

MARIANA BUTTE LIFESTYLE. NATURE TRAILS. GOLF. BOEDECKER LAKE

ua Ave.

Big Thom o ps

Mariana Butte Golf Course

W Eisenhower Blvd.

n

R iver

S Wilson Ave.

34

Ros sum Dr.

 Walk to Mariana Butte Golf Course & Nature Trails, & Boedecker Lake  Minutes from Downtown  Next to Namaqua Elementary

N. Namaq

NEW HOMES FROM THE HIGH $300'S

SalesOffice Office || Tues, Tue, Fri 10am - 6pm Sales Fri- Sat - Sun 10am - 6pm Bill BillOrton Orton| |(303) (303)587-4085 587-4085

Downtown Loveland

W 1st St.

Boedecker Lake

NewLCHome.com 12

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Loveland Reporter-Herald – AtHomeColorado.com

December 14-15, 2019