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Saturday Reporter-Herald November 13, 2010 E1

Real Estate Matters

www.homeandrealtyguide.com • Saturday, November 13, 2010 • Reporter-Herald

Living Smarter

Interest rates drop again — but will the market perk up? ILYCE GLINK TRIBUNE MEDIA SERVICES

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he average quote for a 30year fixed rate mortgage on Zillow’s mortgage marketplace last week was 4.14 percent. The average rate quoted for a 15year loan was 3.6 percent. And for those willing to take a flier on a 5/1 adjustable rate mortgage (ARM), the average quote was 2.96 percent. Imagine getting a loan fixed for 5 years at under 3 percent. It’s hard to believe. What’s even harder to believe is that the Federal Reserve Bank has decided to spend $600 billion buying bonds, a program known as “QE2,” short for the second round of quantitative easing. The goal of the program is to lower long-term interest rates. The economic reasoning behind the purchases is that if long-term interest rates go down, economic activity will pick up, jobs will be created and the economic recovery will begin in earnest. And when that happens, those lower rates will spur the housing market to recover. Will it work? It might, if everyone acts on those super-low interest rates. But will businesses hire more workers and make additional investments simply because the cost of borrowing drops another one-half of a percent? Is there a really big difference between borrowing money at 4 percent versus 3.5 percent? Lower interest rates seem less likely to spur a business to act than landing a new client or an additional piece of business. When it comes to mortgage refinancing, the same principal applies. There is a finite number of homeowners who can refinance to take advantage of the super-low interest rates, because most don’t have enough equity in their homes, or their credit scores are shot, or they don’t have enough cash on hand to pay the closing costs or fees. Many of those who do have the cash, credit and equity necessary have already refinanced at record-low interest rates. Some have already refinanced a couple of times, as interest rates dropped. Is it worthwhile to refinance again if you’ll only save $50 or $60 per month, but it will take two to four years to pay back the costs of the refinance with the savings the new lower rate will generate? And what about the costs you paid to refinance the last time? At some point, the potential savings isn’t worth the effort. I See Glink /Page E4

Photo courtesy of Midtown Homes

The Granby at Boise Village North is priced at $174,900.

People move to homes under $250,000 and seek efficient design JENNIFER LEHMAN SPECIAL SECTIONS REPORTER

Local realtors have seen an increase in people downsizing and looking for homes below the $250s. People are looking to downsize because they want to “live smarter,” said Keller Williams Realtor Vicky Briggs. “I think people are so much more aware of what the economy is doing, she said. “I think they are just trying to be smart and conservative.” In November, Midtown Homes’ Boise Village North closed on 10 homes, their highest month of closings all year. Of those 10 closings, seven of those are downsizing buyers, said Rollin Goering, Midtown Homes Listings Broker. “(Downsizing is) definitely a trend that has increased in this last year specifically,” Goering said. Boise Village focuses on homes under $220,000 and has seen an increase in homes purchased under $210,000, Goering said. A lower level of mainte-

nance and lower utility bills are two of the most common reasons people are downsizing, Goering said. People are also downsizing that are relocating from other areas to be closer to family, he said. After the first-time homebuyer tax credit expired on April 30, Midtown saw an older demographic looking to downsize “come out of the woodwork,” Goering said, something that has been pretty consistent from May until now. With the first-time home buyer tax credit, sales were big between January and April and after they expired Midtown saw a surge in home purchases from an older demographic looking to downsize. Between the first-time homebuyers and the empty nesters moving into smaller spaces, there are also a number of middle aged families with kids downsizing, Goering said. It’s not just the older demographic, but middle-age people with families are making the choice to reduce their monthly cost in home payment, utilities and gas cost as some relocate closer to their jobs, Goering said. “Ever ybody’s trying to save money,” said Russ Batz, Associate Broker with RE/MAX Alliance in Loveland. Everybody’s been affected by the economy with people losing their retirement and utility costs going up, he said. This desire to save is impacting the way homes are be-

ing built and what people are looking for when they downsize, he said. Batz said there are mainly two types of buyers right now, first-time homebuyers, the number of which is at an all time high, he said, and baby boomers looking to retire. Overall people are looking to save money and spend less time maintaining their homes. Retiring baby boomers are seeking single story homes while more first time homebuyers, seeking efficient use of space. “Layout flexibility is king,” Batz said. People are looking for a second or third bedroom to double as a home office, and prefer a great room over a formal dining room. For first-time home buyers they don’t want a foyer that goes up two stories, he said, they see it as a waste of energy to heat that unused space. They would rather have a bonus room. For the older demographics looking to move to a smaller space, quality is still important, Batz said, people just don’t want to have to clean or maintain big spaces or big yards. Batz said people want to focus more on enjoying their lives and less time cleaning, inside and out. They are wanting to spend more time with their favorite people. Batz said there are variations on these ideas, but when lumped together they are heavy enough “to have an af-

fect on way home builders are building homes.” While the demand in these lower-priced homes has increased, homebuyers at Boise have also been able to move on their contingency (contingency is the option of not gaining possession of a new home until the current home has sold) and sell their current home where as in the past couple of years they would have to sit and wait. Goering said this means the market is healthier in general and that homes are moving at all price points, allowing people to downsize if they want to. Batz believes there has been an uptick in higher-priced homes in Loveland and the state, but that in general, larger homes stay in the market a lot longer because fewer people want them and fewer people can afford them. “For sellers, if your house is priced appropriately, it will move, Briggs said. “For buyers you have to be quick because those good things will move quickly.” Homes are still moving, she said. “Our market is still a good market you just have to be smart in today’s market.” For those that do want a large home and a large yard, now they are often getting a bargain, Batz said. Homebuyers are getting more square foot per dollar. But bigger homes require more maintenance and cost and most people don’t want that, Batz said.

Inside this week’s Home & Real Estate

Property of the Week 3105 Hudson Dr.

Page E2

Featured Home Plan Springwood is a spacious ranch home

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Front Range Gardening Director y Page E5

Carol O’Meara on hiring arborists to keep valuable trees healthy

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Saturday Reporter-Herald November 13, 2010 E2

H&RE Featured Home Plan

Property p y off the Week

3105 Hudson Dr., Loveland

0 0 0 , 0 $37

Bedrooms: Five MLS #641661 Bathrooms: Four Price: $370,000 Total Square Feet: 4,007 Finished Square Feet: 3,875 Subdivision: Hunter’s Run

Springwood is an open ranch

This amazing home in Hunters Run subdivision features a finished basement, a fabulous kitchen with knotty alder cabinets, silestone Brazilian brown counters, an island, pantry and a separate dining room. The spacious living room has vaulted ceilings and there is also a main floor study. The family room is wired for surround sound and has a gas fireplace. The master bedroom has a five-piece bathroom with a walk-in closet. There are laundry rooms on the main level and basement. The beautiful professionally landscaped yard features a sprinkler system and drip lines. The home also has a radon mitigation system. Enjoy the subdivision pool in the summer.

ASSOCIATED DESIGNS

T

For more information, call Brad Rowe with RE/MAX Alliance at 970-461-4241. Brad Rowe

H&RE Real Estate Briefs NEIGHBOR TO NEIGHBOR OFFERS FREE HOMEBUYER EDUCATION Neighbor to Neighbor is offering free monthly certified homebuyer education courses — providing smart advice for prospective homebuyers. Attendees who complete N2N’s one-session class leave as educated, savvy consumers prepared to become stable homeowners. Classes cover topics including tips for budgeting and saving for down payment, establishing and maintaining good credit,

of goings-on in the great room, patio and beyond. At the same time, you can chat he Springwood’s open with family or friends ranged and relaxing ambiance along the lengthy eating and begins before you even conversation bars. Appliances step inside. For starters, the are built in, and a roomy walkcovered porch of this traditional ranch-style home mea- in pantry nestles into one corsures in at a lofty 11 feet high. ner. An arched passageway leads Inside, the expansive vaulted entry is awash in natural light into the left wing, which houses the deluxe owners’ suite that filters in through sideplus a pass-through utility lights, a transom and a window grid in the upper section room that links with the of the door. And that’s just the Springwood’s three-car beginning. garage. A coffered ceiling adds a touch of elegance to the Vaulted ceilings are generowners’ suite, which has its ously supplied throughout. Double doors on the left side of the entry, for example, open into a vaulted room that could be a study, home office, or media room. And at the far end of the entry hall, you step into a spacious great room, which is also vaulted. A gas fireplace nestles into one corner, near windows that fill more than half of the rear wall. One in a trio of tall framed-glass panes opens out onto a partially covered patio, which could be screened. The kitchen, with a ninefoot-high ceiling, is also a part of the great room. Standing at the sink or its long counter, you can keep a running tally

shopping for a loan, negotiating the price of a home, homeowners’ insurance, energy efficiency and protecting your investment. This class meets the certificate requirements for CHFA, City of Fort Collins and Larimer County down payment assistance programs as well as the HUD counseling requirement needed for Fannie Mae My Community Loan Products. Register to attend the class by visiting www.n2n.org or calling 970-663-4163. Classes are free.

own private access to the rear patio. Two more bedrooms and a bathroom fill a wing on the opposite side of the home. For a review plan, including scaled floor plans, elevations, section and artist’s conception, send $25 to Associated Designs, 1100 Jacobs Dr., Eugene, OR 97402. Please specify the Springwood 30-772 and include a return address when ordering. A catalog featuring more than 550 home plans is available for $15. For more information, call (800) 6340123, or visit www.associated designs.com.

Open Houses This Weekend - www.thegroupinc.com SUNDAY 1:00 - 3:00

SATURDAY/SUNDAY 1:00 - 5:00

SATURDAY/SUNDAY 1:00 - 4:00

1112 N Cleveland Avenue, Loveland - Classic coage on corner lot eligible for Historic Preservaon Register. Seller has recently invested in great landscaping, incredible le finishes in kitchen & bath, updated plumbing & electrical. Ac has wiring, water and windows.

10818 Cimarron Street #308, Firestone - Only 3 units le. Spacious 2 bed, 2 bath end unit with Southern exposure and mtn views + many upgrades. Aached 2 car tandem gar w/ extra storage. Vaulted ceilings in living room & master. Open floor plan w/long breakfast bar & large dining area. Covered deck w/storage. Gas fireplace in living room.

1849 Chesapeake Circle A,B,C, Johnstown - 2 beds, 3 baths, with a 2 car aached garage. Enjoy life in this maintenance free townhome with an open floor plan. Home features many upgrades with Central AC, fireplace, led entry, decorave lighng fixtures, vaulted ceilings with fans, walk out basement, breakfast bar, and more.

$165,000 MLS#641914

Call The Brent Team 481-2037 PRICE REDUCED

SATURDAY/SUNDAY 1:00 - 3:00 3275 Adelaide Place, Loveland - Open ranch townhome. It rs a lg mstr suite, walk-in closet, gas FP, le kitchen & eang area. Also rs a walk-in tub, 60 gallon water tank, pao area, front porch & shop area in bsmt. 2bd, 2bth & roomy 2 car garage. Quiet neighborhood. The HOA takes care of all of your exterior maintenance. Hosted by: Denise Kloster 402-9100.

$179,500 MLS#629251

Call Rhonda Heth 556-3516

THESE UNITS ARE LOADED!

SATURDAY 1:00 - 3:00 1049 Grant Avenue, Loveland - Wonderful Old Town Ranch with 3 Bdrms, 2 Bath and paral basement. Oversized double garage on a beauful corner 1/3 acre lot with 1000 sq. of deck between the house and garage. new carpet, paint and vinyl. Only a few blocks from the park and lake Loveland. See this charmer today.

$179,900

$180,000

MLS#642473

MLS#641581

Call John Simmons 481-1250

Call Rich Gardiner 227-0964

PRICE REDUCED

FULL OF NICE SURPRISES!

FRIDAY-SUNDAY 1:00 - 4:00

SATURDAY 10:00 - 12:00

SATURDAY/SUNDAY 1:00 - 3:00

SATURDAY 1:30 - 3:30

255 Carina Circle #104, Loveland - Granite counters, SS appl, wood flrs, vaulted ceilings, fireplace & full bsmnts. They are going fast! HOA covers water, sewer, trash, exterior maintenance & insurance, landscape & snow removal, cable, clubhouse, pool & hot tub.

835 W 7th Street, Loveland - Quaint west side bungalow. New vinyl windows. Wood floors and coved ceilings. The basement is fully finished. The yard is a gardeners paradise with a water feature, xeriscape landscaping, gazebo, garden shed and fenced garden area. RV/Boat Parking.

2472 Anemonie Court, Loveland - Open flr plan on a culde-sac. 4bdrm,3bth & 2-c garage. New carpet, front porch, covered pao, le entry & gas log FP. Mstr bdrm offers 3/4 bth, walk-in closet & sliding door to the pao. The bsmt has a lg bdrm w/its own private bth rm. A/C & sprinkler system. Quiet neighborhood. Hosted by: Coleen Ligotke 690-1732.

2766 27th Court SW, Loveland - This ranch style home in Lakeside Terrace offers so many surprises, you simply have to come see it! I’ll be there, hope you can come too! 3 bedrooms, 3 baths and a lot more.

$180,000

Priced From $151,000

$200,000

$206,000

$260,000

MLS#638177

MLS#624039

MLS#639565

MLS#632438

MLS#633804

Call Diana Luthi 481-2692

Call Georgena Arne 481-9801

Call Cindy Kurtz 962-6832

Call Diana Luthi 481-2692

Call Don A. Riedel 679-8265

OTHER NEW HOMES CURRENTLY AVAILABLE

SATURDAY 1:00 - 3:00

SATURDAY/SUNDAY 12:00 - 5:00

SATURDAY/SUNDAY 12:00 - 5:00

1040 Wisteria Drive, Loveland - Wood floors adorn the main level. Upgraded cabinets & new kitchen appliances. Vaulted ceilings, main level family room w/gas fireplace & classy builtins. Professionally finished basement. New exterior paint, 3-car garage, huge corner lot, retractable awning over large pao.

SATURDAY 1:00 - 3:00

TUESDAY - SUNDAY 1:00 - 4:00

7405 Pimlico Drive, Windsor - Brand new 3 bedroom, 3 bath, 2 car garage, hardwood floors, 8000 square foot open space lot, 2014 finished square feet. $ 287,000. Ask about our great builder incenves!

7409 Pimlico Drive, Windsor - Beauful just completed home, 2077 finished square feet on 8000 square foot lot. Main floor master, granite kitchen, 4 bedrooms, 3 bath, 3 car garage and basement. Ask about great builder incenves!

1730 Monarch Circle, Loveland - This ranch plan offers approx 2102 fin sq. . plus a full unfin bsmt w/9  ceilings. Open foyer w/hardwood flooring. Vaulted ceiling in fam room. Kitchen w/large island, granite countertops & upgraded appliances. Oversized 2 car garage. Large front porch. Front & back yard landscaping included. Backs to open space.

4635 Tarragon Drive, Loveland - Tired of yardwork? Visit our furnished model home at The Paos in Thompson Crossing. 6 ranch plans, 3 car gar opons, garden level lots, views, low HOA dues. Convenient locaon, yet tucked away; million $ sculpture walk, trail, open space close to I-25. Low maintanence living at it’s best!

$285,000

$287,000

$308,500

$314,900

MLS#639167

MLS#640398

MLS#640496

MLS#632213

Call Cindy Kurtz 962-6832

Call Kristen Specketer 290-8097

Call Carole Newberry 443-4047

Call Mark Moran 218-1891

PRIVATE BOYD LAKE ACCESS

Priced From $329,000 MLS#607818

Call Val Schlageter 217-3464

A N E XC L U S IV E SERV ICE OF T HE G R OUP, INC. R EAL ESTAT E

Northern Colorado Real Estate Source SATURDAY 12:00 - 2:00

SATURDAY 2:30 - 4:30

SATURDAY/SUNDAY 11:00 - 2:00

6545 Clearwater Drive, Loveland - Ranch style home w/full finished basement. Spacious open floor plan. Large kitchen w/solid granite counters, ss appliances, hardwood floor, gas range. Master suite w/double closets. Living room and dining room with family room fireplace. Located just down from park and boat ramp into Boyd Lake.

459 Cape Dory Drive, Loveland - Overlooks Boedecker Lake. 2 covered decks. Hickory floors on the main level, hickory cabinets, new SS appliances, slab granite counter tops, & vaulted family room. Lo makes an ideal office/play room. Expansion of the daylight basement has begun w/a full bath.

7204 Laramie River Drive, Fort Collins - 4 bed, 5 bath, 6692 l sq. Massive gourmet kitchen. Hand scraped reclaimed hdwd floors, granite, marble & traverne slabs thruout. Walkout basement, master bdrm w/private balcony and surround shower. Outdoor living space w/ covered trex deck, indoor/ outdoor fireplace, views, & backs to open space.

$389,000

$414,500

$850,000

MLS#629669

MLS#634847

MLS#641082

Call Cindy Kun 391-4735

Call Cindy Kun 391-4735

Call Jesse Laner 672-7212

46-318725

The Real Estate Source is a magazine produced by The Group featuring homes for sale and new home neighborhoods throughout Northern Colorado. Online version of publication at www.thegroupinc.com containing links to detail pages for most listings.

rado rn Colo e h t r o N Source

tate Real Es w w w.

thegr

oupin

c.com


Saturday Reporter-Herald November 13, 2010 E3

H&RE Real Estate Transactions

• Robert & Gail Daubenspeck from Hartford Homes Inc, 4612 Tarragon Dr, Loveland, $415,500, home • Jennifer Ferretti from Johnson Gary L & Kijo, 727 Mckinley Ave, Loveland, $115,000, home • Percy Gibson from Spomer Alice Josephine, 4236 Pin Oak Dr, Loveland, $135,000, home • Michael Ratner from Thompson William J & Elizabeth I, 9008 Cottontail Rd, Loveland, $245,000, home • David Dunn from Walker Charles H Iii, 1118 Gard Pl, Loveland, $281,000, home • Lisa & Reece

Grant Ave, Loveland, $163,600, home • William & Kristi Sh from Ids Homes Inc, 334 Reservoir Dr, Loveland, $813,500, home • Edith Gause from Ireland Susan M, 985 W 10th St Unit A3, Loveland, $125,000, condo • Steven & Mary Hood from Kennedy Jonathan D & Brandi F, 1715 Uncompahgre Dr, Loveland, $450,000, home • R Bat from Lonew, 6025 Otero Ave, Loveland, $499,000, home • Eugene & Marilou Shreck from Loveland Midtown Development I, 960 Boise Ave, Loveland, $180,000, home • Richard & Mary Wilson from Morgan J Wayne, 3500 Fox Dr, Loveland, $550,000, home

• William Wallick from Nelson Esther, 2008 Abeyta Ct, Loveland, $201,000, home • Rebecca & Derrick Myers from Pennell Martha M, 3608 Catalpa Ct, Loveland, $188,000, home • Shari Simmons from Porter Roger F & Elizabeth A, 851 Scarborough Dr, Loveland, $220,000, home • David & Holly Rex from Spicka Edward R & Sherry L, 5794 Jackdaw Dr, Loveland, $375,000, home • Jeffrey Lowe from Tracy Daniel Christopher & Megan Cat, 620 W 2nd St, Loveland, $177,500, home • Leslie & Lisa Mangin from Waldroupe Andy C & Sandra L, 1225 W 8th St, Loveland, $235,000, home • Lan Truong

from White Mari L, 470 Elder Ct, Loveland, $148,000, home

Berthoud • Debra Swanson from Martin Ruth Merle, 720 Bruce Dr, Berthoud, $146,500, home • Charlie Rowley from Eppler Barry & Elizabeth, 353 Indiana Ave, Berthoud, $189,900, home

Estes Park • Thomas & Karen Wilbert from Barbieri Sandra Lee, 3202 Thunder Mountain Ln, Estes Park, $715,000, home • James & Margaret Moody from Donald W Mary Jane Seibold Rev, 1062 Pine Knoll Dr, Estes Park, $325,000, home • Robert Mccauley from Fannie Mae, 1100 Giant Track Rd, Estes Park,

$196,000, home • Tim & Kim Watt from Glenn E Richardson Trust, 8401 Hwy 7, Estes Park, $400,000, home • Nicholas Smith from Simoni Alan Gregory & Brian Randall, 1607 Black Squirrel Dr, Estes Park, $275,000, home • Rodney & Melody Harwood from Rivero Maria Grace, 514 Grand Estates Dr Unit C5, Estes Park, $187,000, condo

Homes Inc, 7023 Spanish Bay Dr, Windsor, $388,300, home Milliken • Alexander & • Miriam & Erica Brown Michael Palko from Ferguson from Fontaine Chester L & Pattye L, 108 N Pauline Ave, Mil- Cheryl M, 7150 liken, $117,600, Spanish Bay Dr, Windsor, home • Nolan Hock- $590,000, home ensmith from • Caleb & ReHernandez Por- becca Johnson firio & Elena, from Johnson 810 S Marjorie David L & Peggy Ave, Milliken, L, 721 Walnut $126,000, home St, Windsor, $150,000, home Windsor • Ross & Mary Siedschlag from • James & Mallory Angela L Karen Sanner from First Hori- & Christophe, 920 Cornerstone zon Home Johnstown Loans, 1124 Dr, Windsor, $232,500, Fairfield Ave, • Eugene home Bellavance from Windsor, $195,000, home Fannie Mae, • Matthew & 2301 Black Duck • Robert Hogg William Powell Ave, Johnstown, from Melody from Siedschlag $214,900, home Homes Inc, 1569 Ross D & Mary K, 548 15th St, • Glenn Dinges Edenbridge Dr, Windsor, Windsor, from Hsbc Mtg Corp USA, 1808 $252,800, home $320,000, N 3rd St, John• Jessica Joles home stown, from Shao Shao, • Samual & $169,000, home 1996 Bayfront Ann Dreyer from Dr, Windsor, Terra Capital • Susan & John Taylor from $366,800, home Holdings LLC, Ryland Group • Jeffrey & Ja- 612 Yukon Ct, Inc, 2785 White neen Mcginn Windsor, Wing Rd, Johnfrom Westmark $359,900, home

Regional Snapshot for Loveland/Berthoud Residential Home & Real Estate is produced every Saturday by the Loveland Daily Reporter-Herald.

June 2010

July 2010

August 2010

Active Listings Previous Year Active Listings

1101 1095

1092 1086

1054 1074

Sold Listings

169

111

102

$234,000 $207,500

$238,000 $208,000

$192,000 $222,500

Average Days on the Market Previous Year ADOM

132 121

130 122

113 121

DISPLAY ADVERTISING 669-5050

Year to Date Listings Sold Previous Year YTD Listing Sold

728 579

839 760

941 887

CLASSIFIED ADVERTISING 635-3650

Monthly Volume Previous Year Monthly Volume

$47,395,158 $34,313,560

$32,486,983 $44,166,425

$25,128,272 $32,956,535

1

N

W 1

FROM THE $140’S* TO $350’S

E

S

25

4

3

Enchantment Ridge

NW Corner of Wilson & 43rd St.

OPEN SAT & SUN 12-5

• 5 piece baths • 4 car garages • Privacy fencing • Ranch / 2-Stories • Energy Savings Guaranteed 4496 Hayler Avenue, Loveland 4403 Elliot Place, Loveland 46-319420

2

2

970-532-5900

(*w/ qualifying special financing)

3

EDITORIAL INFORMATION 635-3656

Mortgage rate update This week Last week Trend

30-year fixed

4.38%

4.21%

15-year fixed

3.79%

3.60%

5/1 ARM

3.32%

3.28%

For home and real estate advice, features and information, visit www.homeandrealtyguide.com

NEW NORTHERN COLORADO HOMES

4

E 37th St. US 287

Median Sales Price Previous Year Median

stown, $210,100, home

46-319419

E 29th St.

$

Phase 1 Closeout Special

8,000 Buyer Credit $

4,

17 0 90

Homes priced from the $140’s - $220’s 9, 17 0

90

970-456-4600

46-319334

DENVER AVE

BOISE AVE

HWY 34 E 11TH ST

1/4 mi. So. of Hwy 34 on Boise Ave. - 1899 East 11th Street

www.lovelandmidtownhomes.com

OPEN SATURDAY 1-4 AVAILABLE NOW!

The look of a $400,000 home in the $200’s

$

Models Open Daily 10am-6pm

FROM THE $200’s TO THE $500’s

Fantastic views of Longs Peak & Mt. Meeker from the 24 x 12 covered back patio, granite countertops, wood & tile floors, A/C, gas fireplace, 2 baths including 5 piece master, 3 bedrooms and unfinished basement - $298,664

4355 Ridgway Drive, Loveland

970-227-3893

Seven Lakes Dr.

OPEN HOUSE SAT. & SUN. 1PM-4PM New Homes Priced in the Mid 200’s in Desirable le Seven Lakes Area 5 Piece Master Baths, Walk-in Closets, Air Conditioning, Garages, tioning 3 Car Garages Unfinished Basement, Lake Rights 4 Ranch Plans and a 2 Story with Main Floor Master to choose from

D.E. BURNS CONSTRUCTION Quality • Integrity • Experience • Reputation

970.669.8386

48-319320

Loveland

Gliko from Aspen Homes Colorado Inc, 4475 Hayler Ave, Loveland, $264,700, home • Michelle Stein from Aspen Homes Colorado Inc, 3402 Foster Pl, Loveland, $210,700, home • Kay Dykes from Bank New York Mellon Corp, 760 Douglas Ave, Loveland, $135,000, home • Douglas & Denise Nagle from Brenda Lee Sharp Charles Walto, 869 Nyssa Dr, Loveland, $253,000, home • Dan & Glenda Baumann from Teed Ernest A & Barbara J, 4951 Clearwater Dr, Loveland, $268,500, home • Kristen & Angela Miller from Beard Robert S, 237 Sand Grouse Dr, Loveland, $187,000, home • Brett Johnson from Domerson Djems, 130

N. Madison Av.

Real Estate Transactions are supplied by Prospects Unlimited Inc., 1151 Eagle Drive No. 467, Loveland, CO 80537, 667-1537.


Saturday Reporter-Herald November 13, 2010 E4

GLINK From Page E1

There’s also some question about whether lower interest rates will spur home buyers to jump off the fence and make an offer. Mortgage interest rates are nearly at 4 percent for a 30-year fixed-rate loan. But buying a home is a bigger decision than simply looking at how low interest rates are. You also have to have great credit and plenty of cash for closing costs and reserves. Many home buyers don’t have all those ducks in a row. You also have to have a reason for moving: You desire a bigger house or a better school district; you want to take a new job; or, perhaps you’re ready to downsize and retire. Will lowering interest rates overcome all of these other hurdles home buyers are facing? It’s tough to know. One thing is for sure: Mortgage interest rates have never been this low. And if you do qualify to refinance, and your current interest rate is over 5 percent on your 30-year or 15-year loan, you should run the numbers and figure out whether it makes sense for you to refinance your property.

Signature Style Tips for personalizing a home STATEPOINT

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ired of cookie-cutter decor from the mall? Looking for ways to brighten up your home without doing major remodeling? Why not add a signature piece to every room that reflects your own unique style? Signature pieces are often works of art that serve as focal points for the room, a hallmark of your taste and good sense to invest in your home. Here are some room-by-room ideas to get you started:

Q

uestion: My husband’s parents bought lake property 48 years ago for approximately $15,000. Today it is valued at about $600,000. His mother is still living but is in a nursing home and does not use the cottage. We have been told that a quitclaim deed signed by her today would give us the cottage with no tax consequences (gift or capital gains). Is this possible? Would putting my husband’s name on the deed as co-owner attach any gift tax liability? Is there any way for him to receive the property without some sort of tax issue for either him or his mother? Answer: Your mother-in-law has the right to gift the home to your husband. Federal income tax and gift tax laws would allow your mother-in-law to give the home and not pay any taxes. Likewise your husband could receive the home and not pay taxes. Your mother-in-law might have to fill out gift tax forms relating to that gift to her son, but the $600,000 value is well below the limit allowed by the federal tax code before she would have to pay gift taxes. (As of 2010, a person can give gifts in value of up to $1,000,000 total before having to pay the federal government taxes on the gifts.) As an aside, in 2010 a person can give a gift to anybody of up to $13,000 per year without that amount being included in the amount considered for taxation by the federal government. Now if your mother-in-law gifts the home to your husband, his basis for the home will be approximately the amount his parents paid for the home. Conceivably that amount could be $15,000 but may also depend on how your mother-in-law and father-in-law held title to the property, when your father-in-law passed away and what the value of the property was at the time of his death. But for simplicity sake, let’s assume that your husband’s basis when he becomes owner of the property is $15,000, and let’s assume that the family never put any capital improvements into the home. At that $15,000, if you and your husband sell the home, any sales price above the $15,000 would be considered long-term capital gains if you hold on to the home for at least one year. The estate tax laws are in flux at the moment, but in prior years if your husband inherited the property from his mom, he would have inherited the home at the home’s value at the time of his mom’s death. Under the old law — and perhaps if Congress changes the law back to the way it previously was — if you inherited the property and then sold it, your mother-in-law would not have paid any income or capital gains taxes on the sale of the home and neither would your husband. Due to the changes that have occurred and may still occur in the tax laws relating to estates, the best course of action would be to sit down with an estate attorney to start making plans on how to handle title to the property now and plan for any tax consequences in the future.

BEDROOM Many people invest in a fancy headboard not realizing the actual focal point of many bedrooms is the bedding, which establishes the color palette and mood for the room. Draping your bed in a designer duvet can make your bedroom a den of decadence. Look for one in luxurious fabrics, such as silk, or with unique patterns such as paisley or geometric shapes. The added bonus is that you can mask an ugly but cozy comforter, creating an aura of luxury and comfort. If you really want to indulge your senses, spring for quality sheets with a high-thread count — 1000 is nice, but 500 will suffice. KITCHEN The kitchen is the heart of every home, the engine room that keeps your family running, so it makes sense to turn it into a warm, inspiring space. Adding a high-quality designer range will not only brighten any kitchen, it will serve as a stylish accent piece. Bertazzoni, maker of authentic Italian kitchen appliances, offers a variety of ranges that combine an elegant look with innovative

Statepoint photo

technology. “Our fifth generation family business combines timeless Italian design with quality engineering to create a line of kitchen appliances that are a focal point of any kitchen,” says Paolo Bertazzoni. “Our cooking technology allows homeowners who share a passion for food, to create gourmet dishes that bring family and friends together.” You can window-shop their creations at bertazzoni-italia.com. LIVING ROOM Original art is a great conversation piece when placed in the living room. Just make sure, whether the piece is avante garde or something more traditional, that you like what you buy — you’ll be looking at it every day. If you’re going for a whole new look, then buy art with varied colors — some that match your old decor and some that go with the new look you’re trying to establish. Then you

can add unique pillows and throws from a local flea market to create character and style. FAMILY ROOM Every family room has a TV, but you’re looking for some originality. Why not try placing a gaming table in the middle of the room, like those for pool or ping pong? Even a small table set up for backgammon will be a conversation starter. Of course, you can always go in the other direction and turn the family room into a media room. The obvious centerpiece here is the television, but a beautiful console can hide unsightly wires. Maybe even consider an armoire that allows you to hide the TV behind closed doors when not in use. Don’t be afraid to think outside the box when creating a home with character and style. Just one fabulous piece per room can help create a whole new look for your entire home.

Quick fall touch-ups for your home STATEPOINT

which come in a variety of colors ranging from warmer tones that are like inBefore the weather turns, check windows and doors to make sure they candescent bulbs to cool blue “dayseal properly. If not, re-caulk any open- light” colors. They also last up to ten ings and install weather-stripping. Do- times longer than regular bulbs. ing so will save money on heating and DEODORIZE YOUR HOME costly future repairs. Baking soda goes a long way in reDuring the winter months we get moving odors from kitchen appliances. less daylight and keep lights on more often. To compensate, install energyI See HOME/Page E6 saving compact fluorescent bulbs, STAY WARM AND BRIGHT

W

ith the changing seasons, there are many things you can do to keep your home running smoothly and prepare for cooler months. It takes only a weekend to get your house ready for the coming months and a few tips can keep things wellmaintained:

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Betsy Burns Coldwell Banker Residential Brokerage 970-215-1776 Betsy@BetsyBurns.com

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Jim Chance The Group, Inc. Real Estate 970-388-4261 jchance@thegroupinc.com www.thegroupinc.com/3402

Kathleen Gruman 970-290-3393 kathleen@berthoudrealestate.com www.berthoudrealestate.com

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Villages at Mariana Butte. 4 Bd/3 Ba, 3 car, 2 story. Granite cntr tops, newer flring, fabulous liv and din rms, main flr den, 2 story great rm, lrge mastr w/ bay window, fenced yd. Cul-de-sac lot w/island parking, plus lake and mtn views. $327,000

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Mirasol Senior Community Mirasol Sales Team 970-635-5931 airwi@lovelandhsg.org www.mirasolseniorcommunity.com

Rick L. Kelleher Coldwell Banker Residential Brokeage 970-980-7218 ricklkelleher@msn.com coloradohomes.com

Kristine Rampone Century 21 Humpal, Inc. 970-443-4913 Kristine.Rampone@century21.com

Kurt Albers Century 21 Humpal, Inc. 970-231-1224 kurtd57@msn.com www.allcoloradohomes.com


Saturday Reporter-Herald November 13, 2010 E5

Things for prospective landlords to consider before renting their homes

        



   

   

METRO CREATIVE SERVICES

through the association’s own management team, which can cost you, hile the economic downturn the owner, money. hit many people rather hard WILL YOU DO IT YOURSELF? over the last year, some peoWhile some condo associations inple have been able to weather the storm and actually thrive in the cur- sist their management team handle things, others don’t. Still, that rent economic climate. Real estate investors who managed to keep their doesn’t mean doing it yourself is holdings under control, for instance, easy or even desirable. Owners can hire a real estate management group have experienced somewhat of a fiindependently that will handle nancial windfall as the economy rethings related to renting, such as gressed. This may be due to victims of foreclosure seeking rental proper- finding tenants, running credit ties or more and more people steer- checks, even maintenance and haning clear of committing to a home of dling complaints. Of course, this will cost owners money. But for those their own and choosing instead to who simply have busy schedules and rent. But renting out a property isn’t as an extra property they’re not yet easy as 1-2-3, even in a market where ready to sell, hiring a management more people are looking to rent than group can save you the headaches of buy. In fact, vacancies in larger cities being a landlord while still affording you to earn extra money on the propsuch as New York and Los Angeles erty. are so commonplace that rents and stipulations such as realtor fees have FURNISHED OR UNFURNISHED? begun to drop, albeit slightly. Still, Another thing to consider is the current climate could benefit those with a spare property ready to whether or not to rent the property furnished or unfurnished. Chances rent. There are just a few things to are, if you’ve been living in the propconsider before advertising. erty recently, there’s plenty of furniIS IT ALLOWED? ture available to rent it furnished. Of It’s not uncommon for young peo- course, this means you’ll have to ple to purchase an apartment before purchase furniture for your new place. purchasing a home but keep the apartment once they do, in fact, buy Oftentimes, the financial benefits their first home. That’s often done of furnished versus unfurnished is a with the intention of renting out the toss-up. Some renters prefer an unproperty once a home is purchased. furnished place, while others would pay more per month if the place is While that’s a sound financial plan, it’s not necessarily allowed. Be- furnished. One option is to lease the fore deciding to rent out a property, apartment as “Furnished or Unfurnished.� This keeps the apartment be it a condominium or apartment, be sure the condo association allows on all potential renters’ radar, and if it. Discuss the situation with an asso- you settle on a tenant who prefers it unfurnished, you can always rent a ciation representative to see just what is and isn’t allowed. In some in- storage unit for a small monthly fee stances, a contract will stipulate that to store any leftover furniture you a property can be rented, but only might want to keep.

        

 

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saturday PRICE FROM THE $140â&#x20AC;&#x2122;S

sunday

LOCATION

ADDRESS

HRS

OFFICE

NW LOVELAND

43RD & WILSON AVE. THE COTTAGES AT ENCHANTMENT RIDGE

PHONE

12-5

THE COTTAGE REALTY 970-532-5900

PRICE

LOCATION

ADDRESS

HRS

OFFICE

PHONE

FROM THE $140â&#x20AC;&#x2122;S

NW LOVELAND

43RD & WILSON AVE. THE COTTAGES AT ENCHANTMENT RIDGE

12-5

THE COTTAGE REALTY 970-532-5900

140â&#x20AC;&#x2122;S-220â&#x20AC;&#x2122;S

SE LOVELAND

BOISE VILLAGE NO., Âź MI. SO. OF HWY 34 10-6 ON N BOISE AVE., 1899 E. 11TH

MIDTOWN HOMES

970-456-4600

$151,000

SE LOVELAND

255 CARINA CIR #104

1-4

THE GROUP INC

970-481-9801

$165,000

SE LOVELAND

1112 N CLEVELAND AVE

1-3

THE GROUP INC

970-481-2037

$169,900*

NW LOVELAND

4403 ELLIOT PLACE

12-5

THE COTTAGE REALTY 970-532-5900

$179,500

BERTHOUD

10818 CIMARRON ST #308

1-5

THE GROUP INC

970-556-3516

$179,900

JOHNSTOWN/ MILLIKEN

1849 CHESAPEAKE CIRCLE A, B, C

1-4

THE GROUP INC

970-481-1250

$180,000

NW LOVELAND

3275 ADELAIDE PLACE

1-3

THE GROUP INC

970-481-2692

$199,900

NW LOVELAND

1813 DEL NORTE

1-3

TIMBERLINE PARTNERS, INC.

970-581-4157

$206,000

SW LOVELAND

2472 ANEMONIE CT

1-3

THE GROUP INC

970-481-2692

NW LOVELAND

4496 HAYLER AVE

12-5

THE COTTAGE REALTY 970-532-5900

140â&#x20AC;&#x2122;S-220â&#x20AC;&#x2122;S SE LOVELAND

BOISE VILLAGE NO., Âź MI. SO. OF HWY 34 10-6 ON N BOISE AVE., 1899 E. 11TH

MIDTOWN HOMES

970-456-4600

$150,000

SW LOVELAND

1000 W EISENHOWER BLVD #11

RE/MAX ALLIANCE

970-218-8888

$150,000

SE LOVELAND

1228 GARFIELD AVE

1-3

COLDWELL BANKER

970-215-1776

$151,000

SE LOVELAND

255 CARINA CIRCLE #104

1-4

THE GROUP INC

970-481-9801

$162,000

BERTHOUD

832 6TH ST

12-2

RE/MAX TOWN & COUNTRY

970-290-3393

$169,900*

NW LOVELAND

4403 ELLIOT PL

12-5

THE COTTAGE REALTY 970-532-5900

$179,500

BERTHOUD

10818 CIMARRON ST #308

1-5

THE GROUP INC

970-556-3516

$179,900

JOHNSTOWN/ MILLIKEN

1849 CHESAPEAKE CIRCLE A, B, C

1-4

THE GROUP INC

970-481-1250

$180,000

NW LOVELAND

3275 ADELAIDE PLACE

1-3

THE GROUP INC

970-481-2692

$180,000

SW LOVELAND

1049 GRANT AVE

1-3

THE GROUP INC

970-227-0964

$200,000

SW LOVELAND

835 W 7TH ST

10-12

THE GROUP INC

970-962-6832

$206,000

SW LOVELAND

2472 ANEMONIE CT

1-3

THE GROUP INC

970-481-2692

$232,000

NW LOVELAND

4496 HAYLER AVE

12-5

THE COTTAGE REALTY 970-532-5900

STARTING AT NE LOVELAND THE $250â&#x20AC;&#x2122;S

1563 LA JARA ST./LAKES POINT

1-4

BURNS CONSTRUCTION

970-669-8386

$232,000

$260,000

2766 27TH COURT SW

1:30-3:30

THE GROUP INC

970-679-8265

STARTING AT NE LOVELAND THE $250â&#x20AC;&#x2122;S

1563 LA JARA ST./LAKES POINT

1-4

BURNS CONSTRUCTION970-669-8386

$259,500

SW LOVELAND

227 JOHNSON DR

12-2

RE/MAX ALLIANCE

970-622-1809

$262,000

JOHNSTOWN/ MILLIKEN

3973 KENWOOD CIRCLE

2-3

RE/MAX ALLIANCE

970-622-1810

$287,000

WINDSOR

7405 PIMLICO DR

12-5

THE GROUP INC

970-290-8097

SW LOVELAND

1-3

$280,000

SE LOVELAND

1294 INCA DOVE CIR

2-5

MIRASOL MARKETING 970-635-5931 GROUP

$285,000

NW LOVELAND

1040 WISTERIA DR

1-3

THE GROUP INC

970-962-6832

$287,000

WINDSOR

7405 PIMLICO DR

12-5

THE GROUP INC

970-290-8097

$298,664

NW LOVELAND

4355 RIDGWAY DR

1-4

THE COTTAGE REALTY 970-532-5900

$308,500

WINDSOR

7409 PIMLICO DR

12-5

THE GROUP INC

970-443-4047

$314,900

NE LOVELAND

1730 MONARCH CIRCLE

1-3

THE GROUP INC

970-218-1891

$308,500

WINDSOR

7409 PIMLICO DRIVE

12-5

THE GROUP INC

970-443-4047

$329,000

SE LOVELAND

4635 TARRAGON DR

1-4

THE GROUP INC

970-217-3464

$319,000

SW LOVELAND

4688 TWIN PEAKS CT

1-4

COLDWELL BANKER

970-980-7218

$342,500

SW LOVELAND

Âź MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION

12-4

GLEN MARKETING TEAM, ERA

970-663-4522

$329,000

SE LOVELAND

4635 TARRAGON DR

1-4

THE GROUP INC

970-217-3464

$389,000

NE LOVELAND

6545 CLEARWATER DR

12-2

THE GROUP INC

970-391-4735

$342,500

SW LOVELAND

12-4

GLEN MARKETING

970-663-4522

$389,750

SW LOVELAND

975 PRISM CACTUS CIRCLE

12-4

GLEN MARKETING TEAM, ERA

970-663-4522

Âź MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION

$414,500

SW LOVELAND

459 CAPE DORY DR

2:30-4:30

THE GROUP INC

970-391-4735

$389,750

SW LOVELAND

975 PRISM CACTUS CIRCLE

12-4

GLEN MARKETING TEAM, ERA

970-663-4522

$525,000

NW LOVELAND

3356 NEDERLAND DR

2-3

RE/MAX ALLIANCE

970-622-1810

$529,000

SW LOVELAND

228 MEADOWVIEW DR

1-2

RE/MAX ALLIANCE

970-443-7789

$479,000

NW LOVELAND

2640 FARISITA DR

1-4

BANCWISE

970-310-0590

$850,000

FORT COLLINS

7204 LARAMIE RIVER DR

11-2

THE GROUP INC

970-672-7212

$850,000

FORT COLLINS

7204 LARAMIE RIVER DR

11-2

THE GROUP INC

970-672-7212

To add a listing or speak to an advertising representative, call the Reporter-Herald at 669-5050

For details about these open houses, see the ads in this section. For additional open house listings, please check the â&#x20AC;&#x153;Real Estate Classifiedsâ&#x20AC;? section of this publication. This guide is brought to you by the Daily Reporter-Herald, local real estate agents and area builders.

WWW.HOMEANDREALTYGUIDE.COM â&#x20AC;˘CLICK ON

OPEN HOUSE MAPS


Saturday Reporter-Herald November 13, 2010 E6

H&RE Front Range Gardening

Green Investment Quality tree care starts with a qualified arborist by calling your city’s forestry department to ask for their list of licensed tree services; most of the metro cities have tests the f your quality of life is companies must pass beimproved by having a fore being allowed to work lot of strong, silent within city limits. types surround you, the But Boulder is an exceplast thing they should have tion, with no requirement is a bad haircut and falling limbs. Neglected, they be- for tree services to be licome unsightly and some- censed. City staff are worktimes dangerous, but given ing to put an ordinance in place to protect conthe right care, they make sumers by having anyone everything around them working on trees within better. the city demonstrate proof “Trees are one of the of skills and knowledge of community’s greatest astree care. sets,” said Ken Wicklund, Without such consumer Forestry Supervisor with protection, homeowners the city of Longmont, are often stumped on how “they improve water and to find reputable tree care, air quality, canopies keep especially following things cool. Having trees storms, when untrained live longer is of tremenopportunists go door-todous benefit to all.” door offering tree cleanup. Finding a pro to keep Wielding a chainsaw with your tree healthy is not as little knowledge, these fly daunting as it seems. Beby night trimmers can gin looking for an arborist leave trees worse off, setting up the tree for decay, topping it, or endangering buildings and property as limbs fall. Beyond ensuring proper pruning, city forestry licensing also ensure tree contractors are insured and trained in safety. In an industry listed by the Bureau of Labor Statistics as one of the top ten most dangerous professions, a To place an ad, call 970-635-3650 or go to www.ReporterHerald.com/classifieds and place your little regulation helps ad any time of the day or night. Fax: 970-635-3677…email: classifieds@reporter-herald.com guide contractors to adApartments/ Garages/Storage Houses 4080 Loveland 5110 here to safety standards. Once you have your city’s Unfurnished 4030 Spaces 4070 4 BDRM, 4460 Hayler NEW At Foreclosed Prices list, narrow down your Boise Village North $1250/mo, fin bsmt, N/P. 2 bedroom townhouse, W/D 1 CAR GARAGE- $95/mo. Homes $149k-$219k Call rmpm.com 669-0842 search by looking for comGreat for storage. hookup, patio & storage (970) 456-4600 rmpm.com. 970-669-0842 shed, 1408 S Douty (South panies that have certified 1899 E 11th St, Loveland of HP), NP, $535/mo, $99 MOVE IN SPECIAL arborists on staff — it 970-667-2571. 3 bdrm, 1.5 ba, located in STORAGE 20 x 40 Milliken. $995, 970-310-3855 shows they’ve taken steps 3 BD or 2 BD- Free rent! with 14´ overhead door. Pets nego. Quiet & spac. $325/mo. Call (970)481-5899 to improve their business. Frederick Home $1200/mo $645-$795. 970-223-1349 New in 2003 Very nice 3 But not all experts are cerbdrm, 2 ba w/ gar, huge yd, LUXURIOUS UPSCALE tified arborists, and experiHouses 4080 A/C, applcs. 720-201-9667 APARTMENTS Apartments/ Commercial 5030 STUDIO, 1, 2, & 3 ence counts for a lot in Pool, hot tub, Furnished 4010 BEDROOMSOPEN HOUSE this industry, so don’t rule OWN your own home for 24 hr. fitness center, SUN 11/14 12 - 3pm what you pay in Rent! business center, coffee out a company Marianna Butte 3 beds, 3 ALL BILLS PAID!!! Lowest rates, shop, salon, pizza & deli. baths. Immaculate inside & 1 BDRM/studio, furnished OPEN HOUSE, Mon-Fri $0 - $1000 Down if they don’t out. New kitchen w/gas or unfurnished. Downtown 9am-6pm, Sat. 10am-5pm. Free Prequalification. range, Walk-out basement Loveland. $500-$550/mo. have one as Western Plains Realty 325 E. 5th St., Loveland. New paint in LR & DR. Call 970-391-0834 EQUAL HOUSING Ken or Tammy 1-888-822-9346 long as they Best lot, big yard, Veggie 970-663-5008 Exceptional property for garden. $223,900, $5000 for OPPORTUNITY BDRM, 1 BA, hw flrs, $495 provide referliving, business or both. full price offer at closing. All real estate 211 W. 8th St, Avail now! Apartments/ 1268 N. Cleveland Ave. advertised in this 970-669-6957 ences you can Faith Property 970-377-1626 Call (970)420-3495 is subject to the Unfurnished 4030 Lrg 2 BDRM, no pets. $575/ paper contact. federal and state Fair ✔✔✔✔ Housing Act which mo, wtr/sewer pd. 1717 N To ensure you receive If you live in 1 BATH, Studio, $395/mo. makes it illegal to ● TRI-LEVEL- 2400 SF, Cheyenne Ave. #12. The Reporter-Herald the best response to your No stairs, utils included advertise “any 4 bdrm, 3 bath, updates! Faith Property 970-377-1626 reserves the right to unincorporat advertisement, please Call rmpm.com 669-0842 preference, limitation $10K lot, $218K. Appt only, determine business, check your ad the first or discrimination ed areas, call 970-635-1862. No Realtors professional or day of publication. based on race, color, repetitive ad status. We regret we cannot be Commercial the closest city Front religion, sex, handicap, responsible for more CAROL O'MEARA CSU EXTENSION, BOULDER COUNTY

I

1 BDRM, $550/mo. Clean, quiet, friendly complex, No pets. Walk-in closet, storage. HT & WTR PD. 970-667-8370.

Industrial

4040

1900 sq ft Warehouse/retail in Loveland. Great loc & appearance. 970-396-1165.

3000 SF SHOP, office, 2 ba, 2 & 3 BDRM, cent. loc. New 3 lg doors, 2 hoists, lots of carpet/paint. Fncd yd, N/ prkg, $1750/mo, 339 8th SE, P.Ht/Wtr pd! 970-308-7387 Loveland . 970-308-1775 2 BDRM, 1.5 ba, hkups, $800/mo, wtr/sewer pd. 1842 E 17th St, Faith Property 970-377-1626 2 BDRM, 1 BA, bsmt apt, hkups, 1705 1/2 E 8th St, $725/mo Faith Property 970-377-1626

OFFICE & PRIV BATH $750/mo. 1600 Sq Ft. rmpm.com. 970-669-0842

Condos/ Townhouses 4050

familial status or national origin, or an intention to make any such preference, limitation, or discrimination.”

The newspaper will not knowingly accept any advertising for real estate which is in violation of the law. All persons are hereby informed that all dwellings advertised are available on an equal opportunity basis.

125 E. 23rd St. updated 2 bdrm, 1 ba, ranch. 2 car gar. N/S, sm pet neg. $850/ 2 BDRM, 1 BA, lg kitchen, 2 BDRM, 1.5 BA, 2 story, mo. + $850 dep. 970-215-2314 large living room, patio, lndry on site, water/ small yard, hkups, 1530 W 16TH, 2 bdrm, 2 ba sewer/ trash paid. wtr/swr/trash pd. w/ fin bsmt. Lndry rm, 1125 Gard Pl #1 $575/mo, 4856 Basswood, $575. pets OK. Grt loc, $1100/mo Faith Property 970-377-1626 Faith Property 970-377-1626 970-481-9739 2 BDRM, 1 BA, lndry on site. 2nd flr, 1155 & 1145 E 2 BDRM, 1 BA, onsite 2 BDRM, 1 BA, large 1 car 5th St. $550, wtr/swr/gas lndry, 2nd story, wtr/swr/ gar, 90% eff furnace, new pd. N/P Faith Property trash pd. 1654 16th St, $625 windows/roof, save on Faith Property 970-377-1626 utils! Close to library. $775/ 970-377-1626 mo. Avail now. 970-581-6929 2 BDRM, 1 BA, lndry on 2 BDRM- 4715 Hahns Peak, $875/mo. NICE! 2 BDRM with bsmt, 2 car site. Great loc! 1654 16th St Call rmpm.com 669-0842 gar, W/D hookup. $625, wtr/swr/gas pd. N/P 5 Namaqua Ct. $1000/mo. Faith Property 970-377-1626 No cat/smoker. 970-667-3353 3 BDRM, 2 BA ranch, 2 car, 2 BDRM, 1 bath, A/C, stor- sm fncd yd, frpl, hkups, 3004 WHITE OAK CT age, ht/wtr pd, super clean, avail now! $900/mo 3 bdrm, 2 bath, all brick N/S/pets, $615 1544 Deanna Faith Property 970-377-1626 ranch w/new carpet. Ct, Lvld. (970)667-0365 $1100/mo. (970)290-1798 2 BDRM 1 BATH, new win3+ BDRM, 1.5 ba, ranch. dows, D/W, ONLY $595. Newly updated, very clean, Call 970-226-5600 FTCRENT.com 1 BDRM- E. Eisenhower, $1050. 970-218-6229/ 685-4085 $450/mo, new carpet. 3+BDRM, 2+2BA, NW Lvl Call rmpm.com 669-0842 2 car gar. Close to schools, 2 BDRM, $650 + elec, frpl, wood floors, semi-fin free heat & basic cable, 2 BDRM, 1 BA, gar, fncd base, large master suite, clean, pantry. No pets. fenced, deck, sprinklers, yd, hkups, 2 story Coin-op. 970-663-6787 or 1604 Albany $675, wtr/swr/ pets considered, $1500+ 970-430-0859 dep 281-210-7961 gas pd. Avail now! Faith Property 970-377-1626 3 BDRM- 2618 W. 44th 2 BDRM- 410 22nd, $795. $1095/mo. 2 car, unf bsmt Foothills Apts ● 1/2 MONTH FREE! Call rmpm.com 669-0842 FALL MOVE-IN Unf bsmt, 1 car, newer crpt SPECIALS Call rmpm.com 669-0842 2 Bdrm Apartment Homes 3 BDRM, 335 Lark Bunting● Includes Washer & Dryer $1250/mo. Great Condition! ● Park-Like Setting 3 BDRM, 2 ba, gar,W/D Call rmpm.com 669-0842 ● Garages Available hkps, $700. No pets/smk. 2 Birkley Ct Lvld 970-667-3353 1913 W. 15th St. 3 BDRM, w/bsmt, A/C, 970-669-7850 - Sorry no pets BACK ON MARKET! new carpet in West Lvld. 1200 SF- 3 bdrm, 1.5 bath. $1000/mo. w/12 month $850 + $850 dep + utils. lease & sec dep. Pets on Loveland (303)772-7390 appr. (970)685-8573

Duplexes

4060

than one day´s incorrect insertion. Billing inquiries can be initiated within 30 days of ad expiration.

Mobile/ Farms, Ranches, Manufactured Acreages 5050 Homes/ 5130 WOW WHAT VIEWS! Spaces

2.8 acres, water tap in & paid. Electric close, septic needed & Ish res irrig wtr. $100K, just SE of Berthoud. Call Mark Sullivan at ERA ✭ 2 BEDROOM HOMES ✭ Tradewind (303)684-6335 $575 to $650 + dep. West Hwy 34. Pets nego. Se Habla Espanol 970-685-8573

Mobile Homes/ Spaces 4090

Lots & Tracts

✭ 3 BDRM, 1 BATH ✭ Remodeled home. West Hwy 34. $700/mo. Pets nego. Se Habla Espanol, 970-685-8573

Office Space 4100 Downtown corner loc, bldg w/ 3 ofcs/recept area. 4 car prkg. $1000/mo 970-667-5145

5110

BANK OWNED14´X70´ in Adult Park ● Tri-Lvl, 3 bdrm, 3 bath w/ Very well kept in great bsmt. New floor coverings, condition! 3 bedroom, 2 int paint & appliances. ba, hot tub, all appliances. $174,900. Re/Max Alliance, Asking $33,500. 1351 Sylmar Wanda Quaid, 970-481-3033 Park. (970)667-5868, lv msg.

411 E 12 ST ✭ MLS 637797 $124,900, ranch 3 bed, 2 bath, 1067sqft, 24x16 workshop. Call Rob (970) 481-2133 At Home Real Estate Co

OFFICE SPACESUtilities included. 970-613-1477 West Eisenhower Office 4 room office suite. Eisenhower Frontage. Plently of off-street parking. Elegant historic building. $1250/per month plus utilities for all or will subdivide. 970-481-7580

4130

Picture ads work

FAST! FAST! FAST! A picture is worth a thousand words Try a classified picture ad! Call for details

970-635-3650

Rooms For Rent

MOBILE HOMES ✭ BUYING/SELLING Local park needs used mob homes. We´re buying! Big Sale! Many single & dbl wides. Fin avl, auto approval on owner fin homes. Bad credit OK! Moves avl. 970-222-1473 ✭ 690-2725 or 690-3283 ✭

2 ACRE LOT, Berthoud area, $40K price reduction, Best Buy in Loveland! 3 $125,000. Call Steve Conder BDRM, 1 3/4 baths, 55+, carport, 2 storage sheds, for details, 303-514-3706. immaculate inside & out. Drive by 221 W. 57th, Lot A-9. $11,995 303-682-1919.

Loveland NEW HOMES REDUCED! Don´t miss out on this SAVINGS EVENT! Easy approval, quick closings & affordable payments. Tax ID´s welcome. Limited availability ACT NOW!! Call 970-420-8488 *wac

5100

BANK OWNED, HUD & VA www.Foreclosures InLoveland.com Large furn room inc utils, to request a copy of the list! phone, cable TV, kitchen, Julie Stinson RE/MAX lndry. $380/mo. 970-622-0077 Alliance 970-622-1809

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Place two or three tablespoons in the bottom of your dishwasher and let it sit overnight. When you next run it, odors wash away. Or you can invest in a self-cleaning dishwasher, like the GE Profile SmartDispense line, which will save you time all year round. In order to ensure your beds are snuggly in the cooler months, air out winter bedding, such as flannel sheets and down comforters. It’s also a good time to flip mattresses and wash pillows.

to get the list; often most tree care companies work over a large region. Avoid companies that advertise topping, a practice of slicing the trunk to limit the height of the tree. The best time to have trees pruned is the dormant season, when the cost for pruning or removal is often lower. Trees should be trimmed every five to 10 years for both structure and health, or following a storm if there’s damage. Once you have a short list of businesses to call, Wicklund offers these tips for hiring an arborist: • Ask for references, and call them. Professional affiliations with the Tree Care Industry Association or International Society of Arboriculture are desirable. • Make certain they have up-to-date proof of insurance. • Avoid hidden costs by getting a written estimate, making sure waste wood removal and stump grinding is in the quote if you’d like it done. If the wood is diseased or infested with insects, be sure proper disposal of it is included. • Get several quotes, but don’t always go for the lowest bid. Since this is a longterm relationship over the life of the tree, choose the company you feel comfortable with. • Ask questions such as when the work will be started and completed, or if the site will be cleaned up by the company. • Be wary of door knockers who stop by just after storms. Often they don’t have training or insurance and can lead to headaches or legal problems. Search the International Society of Arboriculture for a listing of tree care professionals in your community at isa-arbor.com, and click on consumer information. Carol O’Meara is with CSU Extension in Boulder County. Contact her at 303-678-6238 or comeara@co .boulder.co.us.

Range Gardening cially when you’re reaching into your closet and don’t want to confuse those brown and purple sweaters. Choose bulbs that reduce dull yellow rays and make colors pop, such as GE Reveal CFLs that use a special phosphor blend to provide pure, clean light. You can also use lighting to spotlight parts of a room, drawing attention away from less tidy areas. For more lighting tips, visit GELighting.com.

CLEAN THOSE RUGS After a long summer with the family traipsing in and out of the house, your rugs and carpets have seen lots of wear and tear. Muddy footprints, sports equipment and wet swimsuits can take their toll. Now is GET ORGANIZED the time to steam clean Spring isn’t the only sea- rugs and carpets before the son for cleaning. When it’s holiday entertaining seatime for warmer clothing, son. it’s also time to de-clutter You can do-it-yourself by your closets. Pull out every- renting a commercial thing and sort items into steam cleaner or hiring a three piles: keep, toss, or cleaning service. Consider donate. If you haven’t worn steam cleaning drapes, soclothing this season, decide fas, chairs and other upholhow to get rid of it. stery at the same time. Make sure you have A little preparation now enough lighting in closets can help you save money, to maintain good organiza- stay cozy during winter and tion. The right light bulbs spend less time cleaning make a big difference, espe- when spring returns.


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