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Saturday Reporter-Herald February 26, 2011 E1

Real Estate Matters

www.homeandrealtyguide.com • Saturday, February 26, 2011 • Reporter-Herald

Albers: Realtors abide by Couple may not qualify for strict code of ethics times. A Realtor makes every effort to understand the housing needs of his or her client, thoroughly researches available inow does the Realtor’s ventory and shares all relevant code of ethics affect evinformation with the buyer so eryday real estate practhat he or she can make an intices? If a Realtor represents formed decision. This you, whether you are service is provided rebuying or selling a gardless of the comhome, you can count pensation available. on that Realtor to: 3. Disclose all per1. Be honest with tinent facts regarding all parties in the the property and the transaction — not transaction to both just with you, as his buyer and seller. or her client, but alIf a Realtor believes so with the other reinformation provided al estate practitioner by a seller is quesand his or her Kurt Albers tionable, the Realtor clients. is obligated to invesFor example, if Retigate. Realtors altors represent a buyer with a should recommend that buyers spotty credit history, they can’t consult their own experts, such be dishonest with sellers about as home inspectors, to address this fact. At the same time, Reconcerns. For example, if a altors can help their buyer colhome seller asks his or her Reallect and assemble information, tor to conceal the fact that the such as credit reports and auroof leaks, the Realtor cannot dited tax returns, to demoncomply; if the seller insists, the strate that the buyer has the problem and improved their sit- Realtor should end the business relationship with that seller. uation. 4. Be truthful in all communi2. Put the client’s interests ahead of his or her own at all cations with the public.

KURT ALBERS COLORADO ASSOCIATION OF REALTORS

tax exclusion ILYCE GLINK TRIBUNE MEDIA SERVICES

H

Q

uestion: I have some questions regarding the tax exclusion homeowners are entitled to when they sell their primary residence. Let’s say a homeowner who has lived in his primary residence for at least two of the past five years is selling his home. As I understand it, he is allowed to keep up to $250,000 tax-free of the profits. But let’s say that six months to a year prior to the home sale, the homeowner marries and files jointly. Although one of the individuals hasn’t lived in the home for the full two years, would they still be allowed to take up to $500,000 tax free? Also, let’s say there is some profit above the $500,000 or $250,000 (if the spouse is ineligible). Will the amount be taxed at the marginal tax bracket of the individual or couple or is it a flat 3 or 4 percent on the amount? Answer: According to IRS Publication 523, by selling your home, you and your spouse would qualify for the $500,000 exclusion if all of the I See GLINK/Page D8

Estate H&RE Real Briefs

When Realtors distribute newsletters, create web sites, or place advertisements, they must be careful not to represent other real estate professionals’ work product as their own. If a recently sold or listed property in the community is publicized, it must be clear whether the Realtor was actually involved in the transaction, or whether that data came from the local multiple listing service or other source. This ensures that the public understands the Realtor experience and can make an informed decision when choosing real estate. Realtors regulate themselves to make sure they follow this code of ethics. If you know of a Realtor not complying to this, please let your Realtors board know. If you real estate sales person is not a Realtor, your complaints may need to go to the real estate commission; they are not governed by any Board of Realtors. When you are buying or selling, make sure you agent is a Realtor. Kurt Albers is the NE District Vice President of the Colorado Association of Realtors. He can be contacted at 970-231-1224.

LARIMER COUNTY YOUTH CONSERVATION CORPS OFFERING FREE ENERGY ASSESSMENTS The Larimer County Youth Conservation Corps is offering free basic energy efficient assessments for qualified residents. The organization is aiming to positively impact the local community with this conservation project. In the program: • Services and products provided at no cost to the homeowner • Crews will install energy efficient products such as compact fluorescent bulbs, retractable clotheslines, programmable thermostats and low-flow shower heads and faucet aerators. • Crews will conduct a visual inspection of your refrigerator, water heater, heating/cooling system and home insulation. • Crews will offer education on efficiency practices intended to lower your energy use and utility bill. Energy resources and potential rebates will be discussed. Elegible households shall be determined based on utility provider and income eligibility. To find out if you qualify, visit www.larimerworkforce.org/ energy or contact the LCYCC Energy Coordinator at 970-498-6081 or e-mail bkiefer@larimer.org.

Inside this week’s Home & Real Estate Realtor of the Week

Real Estate Transactions

Rhonda Heth, The Group, Inc. Real Estate

Director y

Listings from Front Range properties recently sold

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Carol O’Meara: How to prune your fruit trees

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FEATURED PROPERTIES - UP TO $199,999 OPEN HOUSE SUN 12-2

OPEN HOUSE SATURDAY 1PM-3PM

OPEN SAT. & SUN 11-1

OPEN HOUSE SAT AND SUN 12-2

402 Longs Peak Ave, Berthoud

4253 LaVeta Dr, Loveland

4629 N Franklin Avenue

2229 Arikaree Ct. Loveland

985 W 10th St E2

Fantastic 3bd 1ba brick ranch on corner lot. New kitchen appliances, new paint inside, fenced yard. 2 Storage sheds. Beautiful wood floors, sunroom/office. MLS#647954 $159,000

4 bedrooms, 3 baths, 4 car garage. All Bedrooms are a good size and the Garage is 718 sq ft The Patio has a new privacy fence. MLS#646053 $199,900

3 bed/3 bath home on a beautifully landscaped corner lot! Newer stainless steel appl., roof & paint. Hot tub room & sunroom. Large family room and oversized garage. MLS#634133 $199,900

PRE-LISTED BANK OWNED PROPERTY! 1100SF/3BR/1BA/2GA plus shop, move-in condition, remodeled w/ granite and tile on large lot.

Updated townhome in established Willow Briar. New laminate floors on main level and newly remodel bath up. Newer oak kitchen cabinets. Two bedrooms up with loft. HOA $115 mo. MLS #647884 $128,500.

Century 21 Humpal, Inc Ursula Albers 970-231-0548 Ursula.Albers@century21.com

Century 21 Humpal, Inc Todd Murray 970-290-8899 Todd.Murray@century21.com

Steve Baker 970-302-0879 Felipe Sorzano 970-302-0879 or 970-330-7700 stevebakerrealestate.com

$300,000 - $399,999

$200,000 - $299,999 OPEN HOUSE 1-3PM SATURDAY

PRICE REDUCED-$267,900

Toni Alloway 970-690-5824 www.coloradohomes.com

Jerry Hessler Coldwell Banker Residential Brokerage 970-214-4612 jerry.hessler@coloradohomes.com ww.coloradohomes.com

OPEN HOUSE SATURDAY 1PM-3PM

OPEN DAILY 12-5

MARIANA BUTTE $318,000. SAT.12:30-3:30

2656 Autumn Harvest Way

219 E. Michigan Ave-Berthoud

1612 E. 1st Street, Loveland

2175 Rio Blanco Drive

4688 Twin Peaks Court

Harvest Park Beauty! Immaculate 3BD/2BA w/ upper level FR. Brazilian Cherry wood floors, Caesar Stone countertops & SS appliances. Unfin. bsmt for expansion. Community pool. Laura Leslie 744-8082

2826sf brick 2-story w/ 3BD, 2BA & across from a park! Maple cabs, corian counters & brkfst bar in kitchen! Solid oak flring, gas fireplace, main flr laundry, 9’ ceilings, crown molding & 2-car garage.

Fantastic ranch style home with 960 Sq Ft, heated 3 car garage/shop with electricity and additional carport that could be enclosed. Great wood deck w/ hot tub. MLS#647171 $214,900

Visit our exciting new homes in Meadowbrook Ridge. This home has 3bdrm, 2ba and full unfinished basement. Granite, Tharp cabinets, 3 car garage. $359,000.

A must see, 4bdrm, 3ba, 3479 sq ft open 2-story on green belt, cul-de-sac lot. Granite, newer flrs, custom paint, formal living and dinning, main floor den, loft, mountain & lake views.

Barbara Giesey Coldwell Banker Residential Brokerage 970-222-4035 barbaragiesey@msn.com www.BarbaraGiesey.com

Marian Maggi 970-290-0908 marian@berthoudrealestate.com www.berthoudrealestate.com

Century 21 Humpal, Inc. Ursula Albers 970-231-0548 Ursula.Albers@century21.com

Janet Erickson and Melissa Doherty Coldwell Banker Residential Brokerage 970-290-1315 or 970-391-5800 erikjan@q.com or milissa.doherty@coloradohomes.com www.coloradohomes.com

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

LAND FOR SALE SALES OFFICE OPEN SUN 11-12PM

Warberg Farm at Chapman Reservoir OPEN Sunday 11-1PM. 2+ Acre Lake front & horse lots starting $225,000, water tap included. Surface rights, walk paths, parks, boat docks, fishing and peace garden.

08-324713

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

homeandrealtyguide.com Your online and print resource for residential, commercial and land for sale


Saturday Reporter-Herald February 26, 2011 E2

Mortgage rate update This week Last week Trend

30-year fixed

4.87%

4.93%

15-year fixed

4.16%

4.23%

5/1 ARM

3.56%

3.62%

Realtor of the Week

Rhonda Heth BROKER ASSOCIATE/ PARTNER, THE GROUP INC. REAL ESTATE

WELCOMES

Years of Experience: Four

A

Location: 5401 Stone Creek Circle, Loveland

s a Realtor in Northern Colorado, Heth’s goal is to offer the highest quality service, professionalism and integrity. She worked in the Vail Valley in hospitality for some time, but having been born and raised in Loveland, she returned home and has served The Group and it’s customers ever since. Drawing on her hospitality background, she strives to establish long term business relationships through

Contact: 970-566-3516, rheth@thegroupinc.com, www.thegroupinc.com

 

    

Designations, Affiliations & Accolades: GRI, CNE, CDPE, MBA, Graduate Realtor Institute, Certified Negotiation Expert, Certified Distressed Property Expert, Masters of Business Administration, Love-

                                  !"     # $

      % &  "         '      ' (     '  )&   ' #      #$* '   )&   ' )         !+ ,   -             .      "    &    '  % & !$    *    '     /          

     /               0  '

November

December

Home & Real Estate is produced every Saturday by the Loveland Reporter-Herald.

January

Active Listings Previous Year Active Listings

903 882

834 842

855 941

Sold Listings

90

90

74

$206,819 $194,900

$219,777 $245,000

$240,000 $195,000

131 127

130 128

130 133

Year to Date Listings Sold Previous Year YTD Listing Sold

1,250 1,205

1,340 1,297

74 57

Monthly Volume Previous Year Monthly Volume

$24,289,790 $22,476,776

$26,065,297 $26,273,366

$20,505,379 $13,173,437

Median Sales Price Previous Year Median

         

       

Average Days on the Market Previous Year ADOM



legendary service and continually working hard to keep her customers’ best interests in mind. Heth thanks clients for allowing her to help fulfill their dreams of real estate ownRhonda Heth ership as they have helped her goals as she builds a career in real estate.

Regional Snapshot for Loveland/Berthoud Residential

                               !  "  #

land/Berthoud Board of Realtors, Colorado Board of Realtors, National Board of Realtors.

DISPLAY ADVERTISING 669-5050 CLASSIFIED ADVERTISING 635-3650

08-322128

Open Houses This Weekend - www.thegroupinc.com 100% FINANCING!

BEAUTIFUL HOME!

NEW HOMES!

SUNDAY 1:00-3:00

SATURDAY & SUNDAY 12:00-3:00

SUNDAY 1:00-3:00

FRIDAY - SUNDAY 1:00-4:00

1221 E 6th Street, Loveland 2BD, 1BA 1027 sf ranch close to walking path, Chilson Rec Center & Library. This 1/2 duplex has newer decorator paint, new carpet & laminate in 07. Fenced yard w/ patio. Energy audit done‌ new Low E windows, added insulation etc. Great Buy!

1849 Chesapeake Circle A, Johnstown 3 units completed & 1 under construction. Maintenance-free townhomes w/open floor plans. Features many upgrades, central air, fireplace, tile entry, decorative light fixtures w/fans, walk-out basements, breakfast bar & more.

2508 Lake Drive, Loveland Great home on a quiet street across from Lake Loveland. Recent remodel includes newer furnace and central air, roof, windows, carpet and paint. The large lot is fenced, private and has a new spacious patio. The home is light and bright, ready to move into.

680 Moonglow Drive, Windsor New Homes starting in $190,000s! Ranch & 2-story plans. Personalize your home from framing to finish! Front landscaping with sprinkler is included. Miles of bike trails, open space & parks. Call for your personalized showing today!

$125,000

$170’s to $190’s

$184,000

$197,000

MLS# 637733

MLS# 642720

MLS# 642085

MLS# 640714

Call Doug Miller

Call John Simmons or Tracy Wilson

Call Cindy Kurtz

Call Jim Watson

970-481-9444

481-1250 or 567-0907

962-6832

219-5219

TAFT FARMS

SATURDAY & SUNDAY 12:00-5:00

SATURDAY 1:30-3:30

SATURDAY 12:00-2:00

SATURDAY & SUNDAY 12:00-5:00

SUNDAY 12:00-3:00

7405 Pimlico Drive, Windsor Brand new, beautiful 3 bedroom, 2 1/2 bath home with loft, 2 car garage, covered patio and basement on oversized lot backing to open space. Our homes offer incredible value with high quality and energy efficiency in a serene setting. Ask about our builder incentives. Prices starting at $235,000.

2766 27th SW Court, Loveland Classy ranch in Lakeside Terrace. Pre-inspected. New carpet on main. Hardwood in office, dining & kitchen. Kitchen w/bayed eating area & access to back patio. Gas fireplace w/leaded glass window above mantle. Bsmt w/family rm & wet bar, bedroom, full bath, storage w/built-in shelving & sink and access to side yard.

1506 Farmland Street, Loveland 4bd, 3ba, ranch style home w/ oversized 2 car garage. Open floor plan, great room, large kitchen w/ wrap-around breakfast bar, master suite, a/c, fireplace, tile entry, wood floors, Low E windows, new carpet & more! Covered porch, sprinklers. Bedroom & bath in partially finished bsmt. Great location, only 10 minutes to Ft Collins.

1808 Prairie Ridge Drive, Fort Collins New Construction. Beautiful 2 story in scenic Harmony Ridge! Granite, hardwood, stainless steel appliances and more! More time to relax – yard maintenance year around included. Oversize 2 car garage, front porch, stone exterior. March 2011 move-in. Lots available to build. Starting at $279,000.

1016 Janna Drive, Loveland Updated kitchen w/slab granite countertops and upgraded appliances. Inviting master suite with 5-piece bath. Fully finished garden level basement. Basement floor has been completely re-done. Dining area opens to deck overlooking a private park-like back yard featuring a large lower deck for outdoor entertaining.

$257,000

$260,000

$279,000

$279,000

$288,642

MLS# 640398

MLS# 633804

MLS# 644880

MLS# 646094

MLS# 633055

Call Carole Newberry

Call Don A. Riedel

Call John Simmons

Call Matt Thompson

Call Tracy Wilson

443-4047

679-8265

481-1250

443-9910

567-0907

ENERGY STAR RATED

NEW LISTING

NEW CONSTRUCTION

IMMACULATE HOME!

SATURAY & SUNDAY 11:00-2:00

SATURDAY & SUNDAY 11:00-2:00

SATURDAY & SUNDAY 1:00-3:00

SUNDAY 1:00-3:00

SUNDAY 1:00-3:00

4169 Lost Canyon Drive, Loveland Offers a pre-inspection & 1 year home warranty. 2 story home located next to park. 4 bdrms up plus loft, 3 baths, formal living & dining, great room w/fireplace. High efficiency furnace & water heater, a/c. Fenced yard w/water feature, flagstone patio, herb & flower gardens, walkways, sitting benches & more.

3075 6th Street SW, Loveland Completely remodeled home with all the bells and whistles: 3 bed 3 bath 3 car gar with all NEW: Granite, Stainless Steel appliances, high-end light fixtures, interior & exterior paint, hardware, 50 gallon water heater, wood floors, tile backsplash, tile fireplace, tile master suite w/5-pc bath & large walk-in closet.

1541 Dryland Street, Loveland Ranch style home in Taft Farms built by Keirns Construction. Great floor plan w/full master bath. 3bds, one could be den. RV parking, oversized garage. Choose your finishes & colors if under contract before hard surfaces are installed. Other floor plans & lots to choose from.

1922 Windom Place, Loveland CRAFTSMAN style home on large corner lot. Convenient location & outdoor amenities of High Plains Village. Open floor plan features office & main level mstr w/5-pc bath. Upstairs-2 bdrms & loft. 3rd level bonus room. Hardwood floors on most of main. Kitchen w/upgraded appliances, center island & pantry. Trex deck. Fully fenced.

169 Muscovey Lane, Johnstown This home is immaculate! 3 bedrooms plus a study, 3 baths, 3975 sq. ft.! New paint, wood floors, comfortably roomy living areas, breakfast nook with work station, separate dining room, large kitchen, plus an office and a loft! 3-car garage!

$300,000

$300,000

$308,500

$308,900

$310,000

MLS# 648160

MLS#

MLS# 641473

MLS# 647378

MLS# 646591

Call John Simmons

Call John Simmons

Call Stephanie Kirkland

Call Debbie Hansen

Call Lee Cord

481-1250

461-1887

679-8084

222-9618

215-9658

SATURDAY & SUNDAY 12:00-5:00

SATURDAY & SUNDAY 12:00-5:00

SATURDAY & SUNDAY 1:00-4:00

SUNDAY 4:00-6:00

SATURDAY 12:00-3:00

7407 Pimlico Drive, Windsor Brand new 4 bedroom, 3 bath, 3 car garage on 8000 sq ft open space lot. 2549 finished sq. ft. Granite kitchen, hardwood floors, lots of extras. $314,000. Ask about our great builder incentives! Other plans available starting at $235,000.

1814 Prairie Ridge Drive, Fort Collins Brand new 2 story in scenic Harmony Ridge. Main floor master. Granite, hardwood, stainless steel appliances and more! More time to relax – includes year around yard maintenance. Front porch, stone exterior. March 2011 move-in. Lots available to build starting at $279,000.

4743 Sorrel Lane, Loveland AVAILABLE NOW! Ranch plan backs to 100 ft of greenbelt space with evergreen trees. This 2 bdrm home with main flr study is built with 2x6 walls, 92% eff furnace & features granite kitchen counters, SS gas range, walkin pantry, 5 pc mstr bath, 3 car gar, covered patio & more!

2439 Stonecrest Drive, Fort Collins Corner lot home w/3 car garage. Built to meet Passive Solar guidelines. Custom kitchen w/slab granite, large island & gas range. Main level office. Upstairs the master offers foothills views off the private balcony and a 5-piece bath. Bsmt features 4th bedroom & rec room w/ gas stove. Close to Old Town & bike path.

503 Eagle Crest Court, Loveland 4000 finished sq ft 2 story on a high lot in Eagle Crest. Many gardens, walkways, playground & spectacular views. 4 bdrms + laundry up. Finished bsmt w/ media room, office & family room. Living room, formal dinning, great room, breakfast nook. SS appliances, tile/wood floors, a/c, oversized 3 car garage. Central vac, humidifier.

$314,000

$329,000

$365,000

$385,000

$425,000

MLS# 640727

MLS# 646093

MLS# 640372

MLS# 647131

MLS# 645291

Call Kristen Specketer

Call Troy Hiebsch

Call Kathy Albertz

Call Dave Trujillo

Call John Simmons

290-8097

222-7110

970-690-6011

222-0340

481-1250

PRICE REDUCED

MARIANA BUTTE

Online version of publication at www.thegroupinc.com containing links to detail pages for most listings. rado rn Colo Northe Source

SUNDAY 12:00-2:00

SATURDAY 1:00-3:00

SATURDAY 1:00-3:00

SUNDAY 1:00-3:00

3020 Blue Mountain Court, Loveland Enjoy views & wildlife from the deck of this 2 story home on .99 acres. Updated w/ slab granite counters in kitchen & mstr bath. Thermador gas range, spacious rooms, multiple windows, finished walkout basement, new tile roof. Neighborhood pool & tennis courts & minutes to 4 lakes for fishing, boating & hiking!

7711 Windsong Road, Windsor Unobstructed mtn views on your private 2.74 acre lot. Heated 34x26 outbuilding w/hot water to store toys or RV & a 3 car oversized garage. Custom cherry cabinets, hardwood floors, 2 offices, eat-in kitchen, formal dining, Italian marble entry, custom staircase. Large deck w/ built-in BBQ. Private deck off master.

530 Deer Meadow Drive, Loveland Quality custom from Austin Signature Homes. Enjoy the final opportunity for a lifestyle on Mariana Butte Golf Course! Golf course lifestyle with no membership fees. Peaceful, quiet setting with tranquil views that overlook the golf course, water and the front range. Deer Meadows Metro District.

542 Deer Meadow Drive, Loveland Quality custom home from Austin Signature Homes. Enjoy the final opportunity for a lifestyle on Mariana Butte Golf Course with no membership fees. Peaceful & quiet setting with tranquil views that overlook the golf course, water and the front range. Deer Meadows Metro District.

$498,000

$520,000

$825,000

$875,000

MLS# 645384

MLS# 648089

MLS# 645852

MLS# 645863

Call Cindy Kutin

Call Mark Moran

Call Nancy Walkowicz

391-4735

218-1891

461-7136

w w w.

Call Robert Walkowicz 07-322260

tate Real Es

481-6077 08-322261

thegr

oupin

c.com


Saturday Reporter-Herald February 26, 2011 E3

H&RE Real Estate Transactions covey Ln, Johnstown, $200,000, home • Justin & Chelsey Johnson from First Western Trust Bk, 27104 Coyote Ridge Ln, Johnstown, $111,000, home • Pfankuch LLC from Ib Property Holdings LLC, 316 Basher Dr, Johnstown, $650,000, home • Linda & Thomas Halloran from Ryland Group Inc, 52 White Wing Ct, Johnstown, $258,800, home • Kathleen & Kathleen Semler from Suhre Karen A & Blake R, 4618 Tarragon Dr, Johnstown, $400,000, home

• Patrick Virnich from Doorgeest Lucy J, 327 Drake Ln, Johnstown, $290,000, home • James Chavez from Morrison Karen Kay, 1015 Sw 1st St, Johnstown, $112,500, home • Suzanne Geary from Oakwood Homes LLC, 3800 Kenwood Cir, Johnstown, $245,600, home

Milliken • Thomas Boyle from Fort Morgan St Bk, 297 S Ursula Ave, Milliken, $152,000, home

Windsor • David & Becky Deer-

ing from Andrus Mark R & Christine D, 200 Cobble Dr, Windsor, $348,000, home • James & Cheryl Smothers from Pope Adam B, 138 Beacon Way Unit 1f, Windsor, $109,000, condo • Deborah Yonce from Prestige Homes LLC, 671 Babine Ct, Windsor, $225,300, home • Gary & Lisa Fisher from Shiloh Inc, 35325 Cornerstone Way, Windsor, $650,000, home • Prestige LLC from Winter Farm Windsor LLC, 612 Babine Ct, Windsor, $150,000, home

• Jason & Lisa Slater from Melody Homes Inc, 628 Lanley Dr, Windsor, $292,300, home • Dana Jaskol from Jbs Usa LLC, 1647 W Ridge Dr, Windsor, $390,000, home • Bradley Klein from Melody Homes Inc, 1581 Millfleet Dr, Windsor, $305,200, home • Marlou & Mark Vandelist from Melody Homes Inc, 620 Lanley Dr, Windsor, $212,000, home • Leslie & Marilyn Hagie from Tara Pt Llc, 6442 Murano Dr, Windsor, $100,000, home

NEW NORTHERN COLORADO HOMES N

1

W

Berthoud

S

3,000 Buyer Credit 9,

16 0

25

Homes priced from the $150’s - $230’s $

2,072 SF 3 Bd, 2 Ba Ranch

9,

17

Estes Park • Continental LLC from Hoyer Eric R & Lisa L, 1731 Aspen Cliff Ct, Estes Park, $332,500, home • Jerry & Phyllis Haight from Lord Lisbeth B, 1453 Matthew Cir, Estes Park, $283,500, home

$

90

• Cynthia & Timothy Swearingen from Fannie Mae, 940 Welch Ave, Berthoud, $135,000, home

E

0

90

Models Open Daily 10am-6pm

1775 SF 4 Bd,3 Ba Tri-Level

1

E 11TH ST

08-324301

HWY 34 DENVER AVE

Loveland

Bell Constr Inc, 906 Andromeda Dr, Loveland, $211,000, home • Kip March from Federal Home Ln Mortgage Corp, 1957 Park Dr, Loveland, $248,000, home • Donald Fairbanks from Purcell Conservation Group Llc, 535 Ruby Ave, Loveland, $130,900, home • Jean & Jeffery Davis from Tanner Russell U Ii, 199 12th St Sw, Loveland, $106,000, home • Jeff James from Golderdobbie Maury, 5050 Coral Burst Cir, Loveland, $260,000, home • William Large from Hanson Charles A & Sheryl L, 805 Knobcone Pl, Loveland, $410,000, home • Prudential Inc from Jeschke Jerome D & Leona M, 1742 Manchester Ct, Loveland, $198,000, home • Brian Zimmerman from Johnston Patricia J & Rhett A, 5165 Coral Burst Cir, Loveland, $240,000, home • Alan Tomlinson from Lakes Point Construction Ii Ll, 1527 La Jara St, Loveland, $225,200, home

$

$440,000, home • Resident from Brumley Wilson E, 205 Glenda Dr, Loveland, $270,000, home • Doreen & Jack Michals from Walters Nancy E, 1586 Persian Ave, •Michael & Julie Griffiths from Buringa Brian J Loveland, $250,000, home • 5905 LLC from & Carla J, 6009 Becker Collins Kay L, 5905 ClearLn, Loveland, $288,000, water Dr, Loveland, home • James & Carolyn Tra- $930,000, home • Jacob & Laura Owen cy from Eckert Michael, from Trainor Brian, 1154 532 W 1st St, Loveland, E 5th St, Loveland, $119,900, home • Gary & Clara Richard- $118,500, home • Kameron Lantzy from son from Emmerling Alvarez Daniel, 4019 Burr Thomas, 1840 Axial Dr, Loveland, $180,000, home Oak Dr, Loveland, $174,000, home • Gabriel Garcia from • Ronald Wolf from VerFrank Leslie D & Cheryl sluys Danielle K, 4695 D, 907 W 30th St, LoveHahns Peak Dr Unit 201, land, $184,000, home Loveland, $115,000, con• Carol Taylor from do Gabriel Arlene J, 1835 • Stuart Conkwright Blue River Dr, Loveland, from Quality Service $280,000, home Group LLC, 3419 Coal • Peter Grahm from Creek St, Loveland, Federal Home Ln Mortgage Corp, 6445 Clearwa- $161,900, home • Mary Kirkpatrick from ter Dr, Loveland, Robson Clifford P, 4490 $240,000, home • Kurt & Barbara Biegel Walden Ave, Loveland, from Floyd Susan W, 1032 $245,900, home • Peter & Eileen Ross E 15th St, Loveland, from Nordstrom David & $170,000, home Clarice, 1907 Boise Ave • Thomas & Joshua Ste 5, Loveland, Chapel from Mason Connie J, 4881 Sheridan Ave, $250,000, home • Carol Gutzmer from Loveland, $180,000, home • Keith & Lauren Kucz- Oak Valley Homes LLC, ka from Moses Earl C Jr & 275 Carina Cir Unit 104, Gail E, 2707 Sedona Hills Loveland, $165,000, condo Dr, Loveland, $499,800, • Kathleen Selcer from home Mcbeth David M & Karen • John & Jill Tregenza J, 6392 Sea Gull Cir, Lovefrom Pnc Mortgage, 315 land, $260,000, home Meadowsweet Cir, Love• Larry Richardson from land, $345,000, home Kee Randy S, 2866 Empire • Scott Tarbell from Ave, Loveland, $287,000, Schantz Scott A, 27575 home Hopi Trl, Loveland, • Carol Ford from Hart $280,000, home • James & Diane Hamm Joshua N & Cady E, 1517 E 4th St, Loveland, from Boose Constance L $100,000, home Gannon & John Adam, • Lynda Moore from Hj 604 Cove Dr, Loveland,

BOISE AVE

Real Estate Transactions are supplied by Prospects Unlimited Inc., 1151 Eagle Drive No. 467, Loveland, CO 80537, 970-667-1537.

970-456-4600

Johnstown

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

• Jill Claypool from Doherty Charles L, 190 Mus-

www.newmidtownhomes.com

08-323057

saturday PRICE

$128,500

sunday

LOCATION

ADDRESS

HRS

OFFICE

PHONE

FORT COLLINS

2229 ARIKAREE COURT

11-1

COLDWELL BANKER

970-690-5824

SW LOVELAND

985 WEST 10TH E2

From the $140’s*

NW LOVELAND

43RD & WILSON AVENUE THE COTTAGES AT ENCHANTMENT RIDGE

12-2

COLDWELL BANKER

970-214-4612

12-5

THE COTTAGE REALTY

970-532-5900

$140’S -$220’S

SE LOVELAND

BOISE VILLAGE NORTH, ¼ MILE SOUTH OF HWY 34 ON N. BOISE AVENUE, 1899 10-6 E. 11TH

MIDTOWN HOMES

970-456-4600

970-532-5900

PRICE

LOCATION

ADDRESS

HRS

OFFICE

FORT COLLINS

2229 ARIKAREE COURT

11-1

COLDWELL BANKER

PHONE 970-690-5824

$125,000

SE LOVELAND

1221 EAST 6TH STREET

1-3

THE GROUP, INC.

970-481-9444

$128,500

SW LOVELAND

985 WEST 10TH E2

12-2

COLDWELL BANKER

970-214-4612

From the $140’s*

NW LOVELAND

43RD & WILSON AVE THE COTTAGES AT 12-5 ENCHANTMENT RIDGE

THE COTTAGE REALTY

970-532-5900

$140’S -$220’S

SE LOVELAND

BOISE VILLAGE NORTH, ¼ MILE SOUTH OF HWY 34 ON N. BOISE AVENUE, 1899 10-6 E. 11TH

MIDTOWN HOMES

970-456-4600

$169,900*

NW LOVELAND

4403 ELLIOT PLACE

12-5

THE COTTAGE REALTY

970-532-5900

$170’s $190’s

JOHNSTOWN / MILLIKEN

1849 CHESAPEAKE CIRCLE

12-3

THE GROUP, INC.

970-481-1250

$184,000

NW LOVELAND

2508 LAKE DRIVE

1-3

THE GROUP, INC.

970-962-6832

$197,000

WINDSOR

680 MOONGLOW DRIVE

1-4

THE GROUP, INC.

970-219-5219

$169,900*

NW LOVELAND

4403 ELLIOT PLACE

12-5

THE COTTAGE REALTY

$170’s $190’s

JOHNSTOWN / MILLIKEN

1849 CHESAPEAKE CIRCLE

12-3

THE GROUP, INC.

970-481-1250

$197,000

WINDSOR

680 MOONGLOW DRIVE

1-4

THE GROUP, INC.

970-219-5219

$198,000

NE LOVELAND

805 58TH STREET

1-4

WESTERN PLAINS REAL ESTATE

970-685-2992

$232,000

NW LOVELAND

4496 HAYLER AVENUE

12-5

THE COTTAGE REALTY

970-532-5900

$232,000

NW LOVELAND

4496 HAYLER AVENUE

12-5

THE COTTAGE REALTY

970-532-5900

$257,000

WINDSOR

7405 PIMLICO DRIVE

12-5

THE GROUP, INC.

970-443-4047

$257,000

WINDSOR

7405 PIMLICO DRIVE

12-5

THE GROUP, INC.

970-443-4047

$258,000

FORT COLLINS

2656 AUTUMN HARVEST WAY

1-3

COLDWELL BANKER

970-222-4035

$279,000

FORT COLLINS

1808 PRAIRIE RIDGE DRIVE

12-5

THE GROUP, INC.

970-443-9910

$260,000

SW LOVELAND

2766 27TH SW COURT

1:30-3:30

THE GROUP, INC.

970-679-8265

$288,642

NE LOVELAND

1016 JANNA DRIVE

12-3

THE GROUP, INC.

970-567-0907

$279,000

NW LOVELAND

1506 FARMLAND STREET

12-2

THE GROUP, INC.

970-481-1250

$298,664

NW LOVELAND

4355 RIDGWAY DRIVE

1-4

970-532-5900

$279,000

FORT COLLINS

1808 PRAIRIE RIDGE DRIVE

12-5

THE GROUP, INC.

970-443-9910

THE COTTAGE REALTY

SW LOVELAND

3075 6TH STREET SW

11-2

THE GROUP, INC.

970-481-1887

NW LOVELAND

4355 RIDGWAY DRIVE

1-4

THE COTTAGE REALTY

$300,000

$298,664

970-532-5900

$300,000

NE LOVELAND

4169 LOST CANYON CREEK

11-2

THE GROUP, INC.

970-481-1250

$300,000

NE LOVELAND

4169 LOST CANYON DRIVE

11-2

THE GROUP, INC.

970-481-1250

$308,500

NW LOVELAND

1541 DRYLAND STREET

1-3

THE GROUP, INC.

970-679-8084

$300,000

SW LOVELAND

3075 6TH STREET SW

11-2

THE GROUP, INC.

970-481-1887

$308,900

NE LOVELAND

1922 WINDOM PLACE

1-3

THE GROUP, INC.

970-222-9618

$308,500

NW LOVELAND

1541 DRYLAND STREET

1-3

THE GROUP, INC.

970-679-8084

$310,000

JOHNSTOWN / MILLIKEN

169 MUSCOVEY LANE

1-3

THE GROUP, INC.

970-215-9658

$314,000

WINDSOR

7407 PIMLICO DRIVE

12-5

THE GROUP, INC.

970-290-8097

$314,000

WINDSOR

7407 PIMLICO DRIVE

12-5

THE GROUP, INC.

970-290-8097

$318,000

SW LOVELAND

4688 TWIN PEAKS COURT

12-3

COLDWELL BANKER

970-980-7218 SW LOVELAND

12-4

GLEN MARKETING

970-663-4522

SW LOVELAND

¼ MILE WEST OF WILSON ON 14TH STREET SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION

$323,400

$323,400

12-4

GLEN MARKETING

970-663-4522

¼ MILE WEST OF WILSON ON 14TH ST SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION

$329,000

FORT COLLINS

1814 PRAIRIE RIDGE DRIVE

12-5

THE GROUP, INC.

970-222-7110

SE LOVELAND

4743 SORREL LANE

1-4

THE GROUP, INC.

970-690-6011

$329,000

FORT COLLINS

1814 PRAIRIE RIDGE DRIVE

12-5

THE GROUP, INC.

970-222-7110

$365,000

$365,000

SE LOVELAND

4743 SORREL LANE

1-4

THE GROUP, INC.

970-690-6011

$385,000

FORT COLLINS

2439 STONECREST DRIVE

4-6

THE GROUP, INC.

970-222-0340

$389,750

SW LOVELAND

975 PRISM CACTUS CIRCLE

12-4

GLEN MARKETING

970-663-4522

$389,750

SW LOVELAND

975 PRISM CACTUS CIRCLE

12-4

GLEN MARKETING

970-663-4522

$425,000

SE LOVELAND

503 EAGLE CREST COURT

12-3

THE GROUP, INC.

970-481-1250

$520,000

WINDSOR

7711 WINDSONG ROAD

1-3

THE GROUP, INC.

970-218-1891

$825,000

SW LOVELAND

530 DEER MEADOW DRIVE

1-3

THE GROUP, INC.

970-461-7136

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

$425,000

NW LOVELAND

4875 APRICOT DRIVE

10-2

ERA HERMAN GROUP 970-430-1950 REAL ESTATE

$498,000

SW LOVELAND

3020 BLUE MOUNTAIN COURT

12-2

THE GROUP, INC.

970-391-4735

$875,000

SW LOVELAND

542 DEER MEADOW DRIVE

1-3

THE GROUP, INC.

970-481-6077

For details about these open houses, see the ads in this section. For additional open house listings, please check the “Real Estate Classifieds” 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 •CLICK ON

OPEN HOUSE MAPS


Saturday Reporter-Herald February 26, 2011 E4

H&RE Front Range Gardening

Pruning Fruit Trees

Keep fruit trees healthy with pruning CAROL O'MEARA CSU EXTENSION, BOULDER COUNTY

T

hough balmy days and blue skies are calling us to the garden, wet soils mean we should hold off on tilling and sowing. So lopping off a few branches is the perfect way to indulge our gardening itch, plus keep our fruit trees healthy. Early March is the perfect time to get out into the warm sunshine and prune a few trees. Fruit trees are those that work for a living, and to keep

yours healthy and bearing, spend some quality time with them this spring. With a nip here, a tuck there, and a few tidying trims, they’ll be ready to flower and fruit. Pruning allows air and sunlight to reach the center of the tree, improving sugars in the fruit while reducing disease. For all types of fruit trees, follow a few basic steps: Tidy it up: Prune out any dead or diseased wood. Look for twigs that are dried out, with a grayish or black appearance. Though it’s tempting to snap off dead wood, cut it off instead to avoid tearing the bark. Broken twigs are a harbor for disease, so cut them back to a bud or to the junction of twig to branch. Direct growth: Prune out

Don’t go hog wild, cutting off every branch; cut back one out of every four branches that fruited last year.

Apple spurs

Photos courtesy Carol O'Meara

This photo shows the difference between apple flower buds (the plumper one) versus a woody shoot. any crossing or rubbing limbs. Branches that rub one another sloughs off bark, setting them up for disease problems. As they grow, crossing limbs often begin rubbing each other. Get rid of sprouts: Cut out water sprouts and basal suckers (the vigorous upright growth shooting up from branches or from the

Triple buds from a peach tree

base of the tree). This type of growth is usually weak and fruits poorly. Prune it completely off. Upward and outward: downward growing branches don’t fruit well. Clip these off to let trees put energy into horizontal or upward limbs. If you have peaches or nectarine trees here on the Front Range, you’re a gardener who loves a challenge. Though these plants survive, they aren’t the most productive fruit we can grow; frost freezes their buds off nine years out of ten. To give them the best chance for forming fruit, prune them every year. Peaches and nectarines fruit on one-year old shoots, so the goal of pruning is to force part of the tree into new shoots yearly. Do this by cutting back branches that fruited last year to a woody bud — it’s pointed like an arrowhead, instead of plump. But don’t go hog wild, cutting off every branch; cut back one out of every four branches that fruited last year. Done every year, your tree will give plenty of fruit without overbearing. Very often these trees will have triple buds, where a woody bud is flanked by two flower buds. Prune off above this point, gently rub off the flower buds on either side, and let the woody bud grow into a shoot. Double buds are not uncommon; look for the pointed woody bud and rub off the other. Apples and pears fruit on older wood, on spurs forming along branches. These spurs are compressed shoots, appearing as a knobby, slightly wrinkled bud. Each year they grow minutely, not elongating like woody shoots. To keep the trees in fruit, branches three years and older are desired. When pruning apples and pears, the goal is to focus yearly at-

Peaches growing on one year old wood tention on the upper part of the canopy, where growth is vigorous and can rapidly shade the center of the tree. When pruning to a bud, prune one-quarter-inch above the bud, at a 45-degree angle. Pick buds that are pointing outward; they’ll go that direction. Avoid inward-facing buds, since you don’t want your branches to run back into the center of the Front tree.

GLINK From Page D5

To place an ad, call 970-635-3650 or go to www.ReporterHerald.com/classifieds and place your ad any time of the day or night. Fax: 970-635-3677…email: classifieds@reporter-herald.com

Houses Apartments/ Unfurnished 4030 LUXURIOUS UPSCALE APARTMENTS STUDIO, 1, 2, & 3 BEDROOMS- Pool, hot tub, 24 hr. fitness center, business center, coffee shop, salon, pizza & deli. OPEN HOUSE, Mon-Fri 9am-6pm, Sat. 10am-5pm.

Apartments/ Furnished 4010 ALL BILLS PAID!!! 1 BDRM/studio, furnished or unfurnished. Downtown Loveland. $500-$625/mo. Call 970-391-0834

Apartments/ Unfurnished 4030 ”0“ UTILS! 1 or 2 room studios, vintage apts. Onsite mgmt. W/D, WiFi, DirTV $335-$630 970-219-6353 1 BDRM, 606 E Eisenhower $525. Avail 4/1. Utils incl rmpm.com. 970-669-0842

1 BDRM all utilities included! Only $680/mo. Low deposit, ready 3/10, restrictions apply, small pet ok. Call 970-669-1375 1 BDRM Executive Spacious, well-appointed loft in Downtown Loveland with optional single-car garage. This beautiful 1100 sq ft apartment is newly renovated. $950 per month. No smoking or pets. Call 970-980-6801 for application. 1 CUTE STUDIO. $395/mo. In canyon, river access rmpm.com. 970-669-0842

2 bdrm, 1 ba, ground level $640. Eat-in kit, AC, 8x10 storage. 1846 E 16th. No smoke/pets. (970)667-0365 2 BDRM, 1 BA, lg kitchen, water/ sewer/ trash paid. 1125 Gard Pl #1 $575/mo, Faith Property 970-377-1626

IMMEDIATE ● Move-In Special ● 2 WEEKS FREE! on our 2 bedroom Vermeer floor plan 325 E. 5th St., Loveland. 1-888-822-9346

$899/Month, Utils Included, 2 Bed/2 Full Ba, W/D Inc, new carpet, built 2000, balcony 970-667-7000x106 1043 Eagle Dr Lvld

Commercial Industrial 4040 6000 SF Retail/Warehouse on Hwy 287. Overhead door. 970-593-2401 or 970-227-7447.

Duplexes

4060

2105 Eagle Dr- 3 bdrm, 1 bath, 2 car gar. $800 Sorry, no smk/pets. Estate Bldr, (970)667-3400

2 BDRM, 3526 Butternut $615. Nice, patio, 2-story rmpm.com. 970-669-0842

2 BDRM duplex W/D hkup, 1 car gar, water paid, $700. No pets. (970)667-7321

Garages/Storage Spaces 4070 1 CAR GARAGE- $75/mo. Great for storage. rmpm.com. 970-669-0842

3 BDRM, 2 BA Ranch, frpl, STORAGE 20 x 40 hkups, 2 car gar, mstr with 14´ overhead door. bath. $1050/mo + dep. Faith Property 970-377-1626 $325/mo. Call (970)481-5899

4080 Houses

EQUAL HOUSING OPPORTUNITY All real estate advertised in this paper is subject to the federal and state Fair Housing Act which makes it illegal to advertise “any preference, limitation or discrimination based on race, color, religion, sex, handicap, 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. 1919 CINDY CT- 3 bdrm, 1 bath, unfin bsmt, double gar. Pet nego, No/smk. $975/mo. (970)667-8816 1 BDRM Home in country. Fenced yard, Pet ok. Avail. March 1. Call 970-669-8813 2 BDRM 9441 WCR 18E $1195, pets neg, fncd, 1800´s home. rmpm.com. 669-0842

4080 Office Space 4100 Commercial 5030

$99 MOVE IN SPECIAL 4 bdrm, 2 bath, central Berthoud, Call 970-310-3855

1244 N. Lincoln/Lvld. 500 sq. ft. Util incl. $500/mo. 580-795-4636

Central Lvld, 3 bd, 1ba, all Office & Retail Spaces. utils, appls. inc, no smk/pet Starting at $150. Utilities neg. $985/mo. 1-580-795-4636 Included. 970-613-1477 Loveland Custom Home in brand new subdv. Oversized dbl gar, 2400 sf, landscaped/sprklr, A/C, short wlk to shops, schools, restaruants, trails, parks & green space . 2 bdrm, 2 ba, Female w/ MS seeking fem ranch. No smoke. $1,250/ for home care. Will rent mo +$1,250 dep 970-377-3315 downstairs apt for $200/mo for am/pm care. 970-667-4166 OWN your own home for what you pay in Rent! Lg bdrm w/ priv ba, W/D, Lowest rates, gar space, $550/mo inc $0 - $1000 Down utils, dep req´d. 970-692-3476 Free Prequalification. Western Plains Realty Ken or Tammy SHARE HOME/Room for 970-663-5008 rent, N/P/S. Rent includes utils, TV and internet. $450/mo. 970-324-0231

Roommates Wanted 4120

Berthoud 1710 sf Steel bldg for lease $1200. mo/purch w/poss owner carry, also adj vac lot 303-888-5882

Loveland

5110

2628 HARTSEL CT. MLS #648330 $259,900, 4 bed, 4 ba brick ranch, 3340 sqft, oversized 3 car gar w/ RV Bay. Call Rob 970-203-1101 At Home Real Estate Co

938 Ptarmigan Lane (Loveland). 4 bdrm-3 bath 1-3pm SAT & SUN

✔✔✔✔

To ensure you receive the best response to your advertisement, please check your ad the first day of publication. We regret we cannot be responsible for more than one day´s incorrect insertion. Billing inquiries can be initiated within 30 days of ad expiration.

Mobile Homes/ Spaces 4090 ✭ 3 BDRM, 1 BATH ✭ W. Hwy 34. $700/mo + dep. Pets on appr. Se Habla Espanol, 970-685-8573

3 BDRM, 2 ba, Tri-level, frpl, gar, 766 21st St SW, ✭ 2 BEDROOM HOMES ✭ $575 to $650 + dep. $1250/mo Faith Property 970-377-1626 W. Hwy 34. Pets on appr Se Habla Espanol (970)685-8573 3 BDRM- 321 Roosevelt $925 Unfin bsmt, big liv room rmpm.com. 970-669-0842 IT PAYS TO BUY! $1000.00 Cash Rebate If purchase Feb. 3 BDRM- 925 E. 7th, $795. Easy Credit Low Down Pets neg, big fenced yard Starting under $699 rmpm.com. 970-669-0842 That includes Lot Rent! 970-420-8488 3 BDRM- 925 Lincoln I WILL MOVE YOUR $1025, Remod kit, Classic! MOBILE HOME FREE rmpm.com. 970-669-0842 LOT RENT STARTING @ $199 4 Bdrm- 2090 Luvesta $3495 250+Communities Custom home on 3 acres. to choose from Call rmpm.com 669-0842 Offer expires 2/25/2011 970-420-8488

Rooms For Rent

4130

Fully furnished large rooms in Lvld. Laundry, A/C, cable, all util. incl. $325/mo. (970)412-6714.

Wanted To Rent

4170

Responsible older male needs small farmhouse/apt to rent w/space for 2 mini. donkeys. 303-746-7028

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

970-635-3650 ● TRI-LEVEL- 2400 SF, 4 bdrm, 3 bath, updates! 10K Sq. Ft. lot, $219.5K Appt only, 970-635-1862. No Realtors

Lyons

5120

LYONS 2 bdrm 1ba mobile home, shed. No dogs. $420/ mon lot rent. $12,000 no owner finance. 303-827-9185.

Mobile/ Manufactured Homes/ Spaces 5130 Berthoud

5020

BANK OWNED2-story, 3 bdrm, 4 bath, 2878 SF Fin. C/A new int paint/carpet. $249,900. Re/Max Alliance, Wanda Quaid, 970-481-3033

14x70 SKY (1978), 2 bdrm, 1 ba, all applcs, new paint & carpet, 8x8 shed, No. Lvld, $8000 More info, call (970)290-8163 1993 BERTHOUD mobil home, rent to own. 2 bdrm, 1 ba. (970)215-1819

following is true: you are married and file a joint return for the year in which you sell the home; either you or your spouse meets the ownership test, in which you or your spouse owned the property and lived in it as a primary residence for at least two of the past five years; and, during the twoyear period ending on the date of the sale, neither you nor your spouse excluded gain from the sale of another home. If the property owner has only owned the property for 18 months before selling, he can take a proportionate share of the profits as an exclusion on his federal and typically state income tax return. So, if you lived there for 18 months (1.5 years), you’d multiply your profits by 0.75 (or 75 percent of the two years required to take the full $250,000 tax free). If you’re married, you’d use $500,000 instead of $250,000. To answer your second question, for profits in excess of what you can legally exclude, you’ll pay longterm capital gains tax, up to 20 percent, depending on your income level. That is dictated by how much you and your spouse (if you have one) earn. For more details, check out IRS Publication 523, Selling Your Home. Question: I currently own a home and owe $388,000 on the mortgage. I think the home is probably worth $370,000. I bought the home for $417,000 in 2006, so I’ve taken a big hit on equity like everyone else. I have no issue making the payments, but feel as though I am trying to dig myself out of a hole. I make an extra payment a year plus pay an additional $200 each month toward the principal on the loan.

If you’re cutting the branch off entirely, prune to just outside of the raised area at the junction of the branch to the trunk. This is the branch collar. Leaving this intact will help the tree seal the cut off from disease.

Carol O’Meara is with CSU Extension in Boulder County. Contact her at 303-678-6238 or comeara@co .boulder.co.us.

Range Gardening

Given how low interest rates are right now, do you think it would make sense to just sell my house at a loss and trade up now? I live in a starter home and think it makes sense to trade up while prices on bigger houses and mortgage interest rates are really low. I could easily afford to buy a home for $600,000 to $700,000 and put down close to 20 percent. Am I crazy to want to make the move now? Answer: I can just imagine all the e-mails I’m going to get from Realtors wondering if they can sign you up as a client. Seriously, I think there are a lot of buyers wondering the same thing: Is now the best time to trade up and buy a bigger house while mortgage interest rates are still low? If you want to buy a bigger house, now is the time. You’ll have to make good on what you owe on your home, but if you can sell and get out, good for you. Then, you can shop around for the bigger property that you want and buy at today’s relatively low prices. I’d love to see you put down 20 percent, because otherwise you’ll get killed on private mortgage insurance. Also, you’d want to make sure you don’t get a loan bigger than $417,000 so that you’re in the conventional market. Keeping the big picture in mind (you’re losing a little money on one house but hopefully making it up by buying a home that you can stay in for the long run at an equally reduced price) is a smart way to go. To put it differently, if real estate prices had increased across the board, you would sell your place at a profit but have to buy your next place at an increased price. It’s all relative. If you plan to live in a home for the long term, you might find the right home for yourself now and lock in an interest rate that appeals to your budget as well.

Real Estate Guide  

Homes and land in Loveland Colorado

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