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Saturday Reporter-Herald September 10, 2011 E

Real Estate Matters

www.reporterherald.com • Saturday, September 10, 2011 • Reporter-Herald

Homeowner association has an uphill battle ahead ILYCE GLINK TRIBUNE MEDIA SERVICES

Q

uestion: As an involved resident, I have been trying to help my community tackle the issue of blight. I have brought articles to my homeowner association’s board explaining how liens can be placed on properties that fail to comply with rules. Placing a lien can make a homeowner, lender or investor take care of issues that cause blight or otherwise affect a community. I frequently make calls my association when its rules are violated and to municipal officials about properties that don’t comply with codes. The association or municipality then fines the owner and/or places a lien on the property. The lien prevents the homeowner from refinancing or selling the property until compliance has been achieved. Some town officials seem unaware that they have this right. I believe that enforcing compliance before a sale helps preserve property values. I have also found that offering assistance to a neighbor with a problem property goes a long way toward helping the community. But if the assistance isn’t accepted, then you have to call in code compliance authorities. When you call a government code compliance officer, they don’t disclose the source of the call. That anonymity helps gets things done. I think this is one of the best ways to keep our home values up. The trick is to work with others in the neighborhood to put pressure on those who are not caring for their properties. Once neighbors are motivated, there is momentum in the community to get things cleaned up. Answer: It’s always nice to hear that someone is getting involved for the greater good of the community. I commend your attempts to keep your community looking good and to help maintain everybody’s property values. You are correct that some municipalities have made greater attempts to force property owners and their lenders to keep up their properties. Unfortunately, it’s an uphill battle. Yes, you may succeed in getting some lenders to have to pay penalties for property violations. However, the problem for property values in general is that foreclosed properties are still likely to be sold for far less than if they had been maintained and lived in by the homeowners. Homeowners sometimes abandon their properties even before the banks take control. Some municipalities have gone after the I See GLINK/Page E4

Don’t believe all you hear about mortgage modifications ries at my office that I have adopted a name for it: The Neighbor Syndrome. It’s a serious issue that has affected uestion: My cousin all of us since childhood. We got a loan modificaall remember the guy in high tion in two weeks. school who stayed home evCan I? My neighbor ery Friday night but had a told me that if you send your beautiful girlfriend “from bank a short sale application Canada” or the uncle who on legal-size paper, it gets caught the 5-foot fish, “but done in half the time. And I the camera broke.” Rememread on the Internet that if ber the Rule of Threes — the bank loses my mortgage friends and neighbors tend to note, I will get the house for exaggerate things by three. free. Is this true? People want to believe that Answer: Your cousin’s loan there is some magic trick or mod probably took six weeks secret sauce that will make or longer. A short sale application on legal-size paper has all of their problems go away with minimal effort. If you no bearing on how fast the hear the stories often bank may approve it. And if enough, you may actually your lender loses the note, you do not get your house for start believing them and free. The bank just has to go make bad decisions that greatly affect your life. through a simple legal process of having a copy of it I have spoken to dozens of recognized by the court so people who have stopped that the bank can move formaking their mortgage payward with the foreclosure. ments in order to get loan I hear so many of these sto- modifications when a little

GARY M. SINGER MCCLATCHY-TRIBUN

Q

research from widely available sources would have quickly shown them that they earn way too much money to ever qualify for the modifications. Now they are in foreclosure, they have to pay attorneys to clean up the mess, they’ve ruined their credit scores and they have to pay large penalties to the banks to get caught up. Do the research yourself from official or direct sources. Do not talk to a

neighbor about the Making Homes Affordable government loan modification plan. Go to the actual government website — www.making homeaffordable.gov — and read it yourself. By getting the information yourself through direct research, you will be able to make sound decisions that lead to good results. Question: My rental home has pests and needs to be tented and fumigated. My

landlord has offered to prorate my rent for the few days I can’t stay in the house. But I also want him to pay for my hotel and food expenses while I am out of the house. Do I have a case? Answer: Probably not. If you and your landlord addressed this issue in the lease, then that will take precedence. If the lease is silent on the matter — and most are — then state law rules.

Five ways to boost home Ask prospective Realtors the right value when selling types of questions METRO CREATIVE SERVICES

T

hough the housing market might not be booming, there are still buyers out there looking for a place to call their own. Some potential sellers might prefer a patient approach to selling their homes, choosing to do so when the market rebounds and homes regain some of their lost value. Other sellers might not have a choice and must make due with selling in a lackluster market. Regardless of which category you’re in, there are easy ways to boost your home’s value. Making minor changes to a home can add to your asking price, whether you’re putting your home on the market this week or waiting for the market to rebound. The following tasks might not take much effort, but they pay dividends. • Work on the yard. An appealing lawn is still a great way to catch a prospective buyer’s eye. When a home boasts a lush lawn and well-manicured trees, it’s hard to ignore that for-sale sign out front. If landscaping has proven an Achilles’ heel in the past, make an effort to take better care of your property in the months ahead. It doesn’t take long for even the most neglected lawn to rebound from disrepair. By the time you feel confident to put that for sale sign out front, you might just be putting it up in a lush lawn no buyer can resist. • Upgrade appliances. Prospective buyers won’t be thrilled if they walk into a home and see outdated appliances. Some might even feel older appliances indicate a homeowner who cared little about appearances and might begin to wonder if there are any

additional areas that might have been neglected around the house. Stainless steel appliances in the kitchen and even new fixtures in the bathroom are aesthetically appealing and tend to excite buyers. Homeowners who aren’t immediately putting their property up for sale can gradually upgrade their appliances to lessen some of the financial toll such purchases take. • Replace the carpet. A clean carpet might make a world of difference to a home’s inhabitants, but a new carpet will be more appealing to prospective buyers. Choose a neutral-toned carpet that will boast a more universal appeal. • Paint the home. A fresh coat of paint or new siding is always attractive to prospective buyers. If your home hasn’t had a new coat of paint in awhile that might make buyers feel the home is musty or old. Many buyers judge a book by its cover, and sellers want their home’s exterior to be as attractive as possible. Homeowners can also paint rooms inside the home to give it a fresh and welcoming feel. • Clean up around the house. A cluttered house will almost certainly repel buyers. Buyers want a home that’s roomy and well kept, but clutter creates the opposite impression. Organize the closets to make them appear more roomy and clean up any areas that have become cluttered — consider temporarily renting a storage unit to house excess stuff from closets. Basements or utility closets might be handy for storage, but they should be open and clean before hosting an open house. The less clutter a home has, the more spacious it will appear and the more money sellers can likely demand for the home.

A fresh coat of paint or new siding is always attractive to prospective buyers.

ANGIE HICKS MCCLATCHY-TRIBUNE

D

ear Angie: We are selling our house and want to know what kinds of questions we should ask prospective real estate agents. We’ve never sold a house before, and had a less than stellar experience when we purchased six years ago. We want to be informed about what to expect before, during and after the sale. — Marisa D., Stow, Ohio Dear Marisa: If you’re selling or buying a home, it’s extremely important to think ahead when you’re hiring a real estate agent. After all, buying a home is likely the biggest investment you’ll ever make. Find someone with a good track record; one who has the history and references that show they are going to work to get you the best return on your home. Interview prospective agents as you would interview any candidate for a big job with plenty of questions. Ask how long they’ve been in the business. Are they full time or part time? How many hours per week do they dedicate to their real estate business? How many homes did they sell last year? What is the average number days on the market for houses they sell? What is the average difference from their initial asking price and the final selling price? How does their selling prices in your neighborhood compare to the average selling price per square foot in your neighborhood? Do they have references in your neighborhood? Do they have any professional designations? Do they have a website? How will they market your home? Will they be there to answer all of your questions along the way? A good agent should have a marketing plan tailored for you. He or she should be able to advise you about whether you need to update and how to properly stage your home for online photos and in-person showings. Your agent should contact you about your home’s status at least once a week if not more to update you, not only about your house, but also about similar houses in your area that have sold or gone up for sale. You have to know your competition to beat it. If the agent is part of a team, insist on meeting the other players, so that you feel comfortable should your agent be unavailable In this tough housing market, good agents are pulling out all the stops for their clients. If you feel like your agent isn’t working hard enough for you, find one who will.

Buying a home that needs work? Call the experts in FHA 203(k) renovation financing. An FHA 203(k) mortgage allows you to finance both your home purchase and renovation with a single loan. Call now to learn more. Vivian DeVoe, VP Mortgage Banker, 970-227-4702 Loans and rates subject to credit approval. FHA conditions and restrictions apply.

www.HomeStateBank.com

(970) 203-6100 Think big

Bank small


E2

Saturday Reporter-Herald September 10, 2011

Featured Properties $200,000 - $299,999

UP TO $199,999 OPEN SATURDAY 1-3 PM

OPEN HOUSE (SAT. SEPT. 10TH) 12PM-2PM

New Downtown Listing! Super Nice! 4 beds, 3 baths, hrdwd floors, finished bsmt, lg kitchen, 2 patios, 1 car garage, no HOA fees. Over 1,600 sq ft for only $159,900! For more info contact Sarah.

205 N. Taylor Ave., Loveland Sarah Warnock, GRI, eCertified Prudential Rocky Mountain, REALTORS 970-412-3421 swarnock@prurmr.com www.PrudentialRockyMountain.com

OPEN SAT. 12-4 PM & SUN. 11-3 PM

OPEN HOUSE SUNDAY 1:00-2:30 PM

OPEN HOUSE SUNDAY 1-3 PM

3930 Boulder Drive, Loveland

Peakview Meadows, Berthoud

2432 Arthur Ave., Loveland

3843 Kenwood Circle, Johnstown

Welcome home! This home features a comfortable family room w/ wood burning fireplace, newly updated kitchen, 4 BD/2 BA, large privacy fenced backyard with nice shade.

Peakview Meadows Sales office open Sat 12-4 and Sunday 11-3 Prices starting at $195,900. 5 Models to choose from.

Low maintenance ranch in S Loveland on a 5th of an acre with over 2000 sq ft of living space. New 50 gallon water heater. Dog run in back yard. Close to the proposed ACE site. MLS#657897 $184,000

Awesome 2 bedroom, 2 bath ranch conveniently located in Thompson River Ranch Subdivision. Tile back- splashes, Pergo floors, maple cabinets and stainless steel appliances. MLS#664262

Marian Maggi RE/MAX Town & County 970-290-0908 marian@berthoudrealestate.com www.berthoudrealestate.com

Kurt Albers & Chris Rampone Century 21 Humpal, Inc 970-231-1224 Kurt 970-430-0845 Chris www.berthoud.org

Ursula Albers Century 21 Humpal, Inc 970-231-1224 Ursula.Albers@century21.com

Ryan Andre Sears Real Estate 970-381-1081 / 330-7700 www.searsrealestate.com

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

OPEN SATURDAY 1-3 PM

$300,000 - $399,999

OPEN HOUSE SUNDAY 1-4 PM

OPEN HOUSE SAT & SUN 12-3 PM

OPEN SUNDAY 1:30 - 3:00 PM

406 Gypsum, Johnstown, CO 80534

Warberg Farm at Chapman Reservoir

5024 W. Eisenhower Blvd, Loveland

1723 Wales Dr., Berthoud

27847 Arikaree Rd, Loveland

Well maintained 3 bedroom ranch home in the Rocksbury Ridge Subdivision. Open floor plan, two sided fireplace and luxury master bathroom. 2 ca garage, fenced yard and convenient location makes this home a must see.

OPEN Saturday 1-3 PM 2+Acre Lake front & horse lots starting $225,000 water tap included. Surface rights, walk paths, parks, boat docks, fishing and peace garden.

7.85 Acre property - Cute 2 bedroom home with fenced yard - hardwood floors, beautiful handcrafted cabinets, enclosed patio, 2 bedroom, 1 bath mobile home, 3 out buildings, MLS# 653102 $292,000

Oversized 4 Car Garage. Great split style ranch w/ unobstructed mountain views & backs to open space. Granite island in kitchen, plus lots of custom features. Located in Matthew Farm. $339,900.

Great 1 acre property in Indianhead Estates on corner lot with 3 car attached garage PLUS separate 2 car/shop! Room for your RV’s & room to expand for additional garages! Like new home. $379,000.

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

Kurt Albers Century 21 Humpal, Inc 970-231-1224 Kurt.Albers@century21.com

Lisa Moore or Connie Gliott RE/MAX Alliance 970-566-4629 or 970-566-4627

Maurine Garretson Coldwell Banker Plains Real Estate, Inc. 970-396-9597 maurinegar@aol.com www.coldwellbanker.com/local/plains

Sirmula Lansky Coldwell Banker (970) 691-0468 sirmulacb@aol.com sirmula.lansky@coloradohomes.com

$500,000 +

$300,000 - $399,999 OPEN HOUSE SAT & SUN 1:00-3:00 PM

BUILDERS MODEL - DAKOTA GLEN OPEN HOUSE 12 TO 4 THURS.-MON.

OPEN HOUSE SAT.& SUN. 1-4 PM

BUILDERS MODEL-DAKOTA GLEN OPEN HOUSE 12 TO 4 THURS.-MON.

OPEN SATURDAY 1-3 PM

3402 Creede Court, Loveland

3480 Peruvian Torch Drive, Loveland

3464 Peruvian Torch Drive, Loveland, CO

Just West of Loveland 288 Reservoir Drive!

728 Beaver Cove Court, Loveland 80537

A spacious new ranch w/a WALKOUT bsmt. Inviting open kit/dng/great room area, main lvl laundry. Blt for energy savings, 2x6 const, UPGRADES thru out. Quality built by Weinland Homes in Quail Run.

Maintenance FREE* Patio Home-Great open floor plan-Split 3 bdrms - Upgrades and designer tile! Alder doors, trim & cabinets, 5 pc. master bath. Stone fireplace.. 2 1/2 car garage. MLS#611670. $342,500

Looking for Maintenance-FREE* lifestyle? Open floor plan, patio home w/2 bdrms/2 baths, granite kitchen island, backs to green belt with mountain views! Convenient location. MLS#622329. $323,400

Introducing Pittington Ranch! Panoramic views, open floor plans, room for your horses! 90 plus acres of riding space. Model home open! 13 homesites to choose from, starting in mid $400’s.

New carpeting, a fully finished basement, first- floor master suite, with separate vanities, many upgrades throughout home using the best of everything. NOW $699,000!

Cory Roberts Premier Lifestyle Realty (970) 215-9913 plrealty@qwestoffice.net

Venna Hillman ERA Herman Group Glen Marketing 970-663-4522 venna@glencompanies.com www.DakotaGlen.com

Venna Hillman ERA Herman Group/Glen Marketing 970-663-4522 venna@glencompanies.com www.DakotaGlen.com

Gayle Schink Prudential Rocky Mountian, REALTORS 970-215-4771 gschink@prurmr.com www.prudentialrockymountain.com

John Mathey Premier Lifestyle (970) 481-5512 info@pittingtonrach.com www.pittingtonranch.com

saturday

sunday

Price

Location

Address

Hours

Office

Phone

From the 100’s

Loveland

3930 Boulder Drive

12-2 PM

RE/MAX Town & Country

970-290-0908

From the $140’s

Loveland

43rd St & Wilson Ave., The Cottages at Enchantment Ridge

12-5 PM

Cottage Realty

970-532-5900

From the $150’s

Milliken

110 Traders Lane

12-3 PM

The Group Inc., Tracy Wilson

970-567-0907

Price

Location

Address

Hours

Office

Phone

From the $140’s

Loveland

43rd St & Wilson Ave., The Cottages at Enchantment Ridge

12-5 PM

Cottage Realty

970-532-5900

From the $150’s

Milliken

110 Traders Lane

12-3 PM

The Group Inc., Tracy Wilson

970-567-0907

Loveland

Boise Village, 1899 East 11th St.

10 AM-6 PM

Midtown Homes

970-456-4600

$159,900

Loveland

205 North Taylor Ave.

1-3 PM

Prudential Rocky Mountain Realtors, Sarah Warnock

970-412-3421

Starting at $159,900

Starting at $159,900

Loveland

Boise Village, 1899 East 11th St.

10 AM-6 PM

Midtown Homes

970-456-4600

$169,900

Loveland

4403 Elliot Pl.

12-5 PM

Cottage Realty

970-215-0515

$184,000

Loveland

2432 Arthur Ave.

1-3 PM

Century 21, Humpal, Inc., Ursula Albers

970-231-1224

Starting at $195,000

Berthoud

Peakview Meadows

11-3 PM

Century 21, Humpal, Inc., Kurt Albers & Chris Rampone

970-231-1224

From the $200’s

Windsor

292 Saratoga Drive

1-4 PM

The Group Inc., Jim Watson

970-219-5219

From the $200’s

Johnstown

3843 Kenwood Circle

1-3 PM

Sears Real Estate, Ryan Andre

970-381-1081

$167,900

Loveland

4331 Filbert Drive

1-3 PM

The Group Inc., Nancy Walkowicz

970-461-7136

$169,900

Loveland

4403 Elliot Pl.

12-5 PM

Cottage Realty

970-215-0515

Starting at $195,000

Berthoud

Peakview Meadows

12-4 PM

Century 21, Humpal, Inc., Kurt Albers & Chris Rampone

970-231-1224

From the $200’s

Windsor

292 Saratoga Drive

1-4 PM

The Group Inc., Jim Watson

970-219-5219

From the $200’s

Johnstown

406 Gypsum

1-3 PM

Coldwell Banker, Sirmula Lansky

970-691-0468

$207,315

Loveland

3441 Foster Pl.

12-5 PM

Cottage Realty

970-215-0515

$207,315

Loveland

3441 Foster Pl.

12-5 PM

Cottage Realty

970-215-0515

$239,000

Loveland

4496 Hayler Ave.

12-5 PM

Cottage Realty

970-532-5900

$210,000

Loveland

1015 W 32nd St.

1:00 PM Sharp

RE/MAX Alliance-Loveland, Nanci Garnand

970-622-1846

$239,900

Windsor

4607 Pompano Drive

12-5 PM

The Group Inc., Kristen Specketer

970-290-8097

$219,900

Loveland

4230 Julesberg Dr.

12-2 PM

RE/MAX Alliance-Loveland, Kathy Beadell

970-290-1798

$249,900

Berthoud

Collins Park Subdivision

1-3 PM

RE/MAX Alliance-Loveland, Kathy Beadell

970-566-4627

Starting at $225,000

Loveland

Warberg Farm At Chapman Reservoir

1-3 PM

Century 21, Humpal, Inc., Ursula Albers

970-231-1224 $279,000

Johnstown

2217 Mandarin Court

1-3 PM

Loveland

4496 Hayler Ave.

12-5 PM

Cottage Realty

970-532-5900

The Group Inc., Georgena Arnett

970-481-9801

$239,000 $239,900

Windsor

4607 Pompano Drive

12-5 PM

The Group Inc., Kristen Specketer

970-290-8097

$292,000

Loveland

5024 Eisenhower Blvd.

1-4 PM

Century 21, Humpal, Inc., Kurt Albers

970-231-1224

$239,900

Loveland

1506 Gloria

1-3 PM

ERA Tradewind, Rod Carlson

303-684-6321

$298,664

Loveland

4355 Ridgway Dr.

12-5 PM

Cottage Realty

970-227-3893

$249,900

Berthoud

Collins Park Subdivision

1-3 PM

RE/MAX Alliance-Loveland, Kathy Beadell

970-290-1798

$299,900

Loveland

1920 New Hampshire St.

12-5 PM

Cottage Realty

970-227-3893

$279,000

Johnstown

2217 Mandarin Court

1-3 PM

The Group Inc., Georgena Arnett

970-481-9801

$299,900

Loveland

4454 Stump Ave.

12-5 PM

Cottage Realty

970-532-5900

$300,000

Loveland

2821 Logan Drive

1-3 PM

The Group Inc., Sally Lee

970-227-7742

The Group Inc., Mary Ann Michels

970-310-7944 From the $300’s

Loveland

3402 Creede Court

1-3 PM

970-215-9913

970-227-3893

Premier Lifestyle Realty, Cory Roberts

$339,900

Berthoud

1723 Wales Dr.

12-3 PM

RE/MAX Alliance-Loveland, Lisa Moore or Connie Gliott

970-566-4629, 970-5664627

$342,500

Loveland

3480 Peruvian Torch Drive

12-4 PM Thurs. - Mon.

ERA Herman Group, Glen Marketing, Venna Hillman

970-663-4522

$342,500

Loveland

3464 Peruvian Torch Drive

12-4 PM Thurs. - Mon.

ERA Herman Group, Glen Marketing, Venna Hillman

970-663-4522

$347,900

Loveland

920 Norway Maple

1-3 PM

The Group Inc., Rich Gardiner

970-227-0964

$350,000

Loveland

3555 Capitol Peak Drive

1-3 PM

The Group, Inc., cindy Kurtz

970-962-6832

$357,000

Loveland

302 Lyra Place

1-3 PM

The Group, Inc., Georgena Arnett

970-481-9801 970-567-0907

$295,000

Loveland

1388 West 48th St.

1-3 PM

$298,664

Loveland

4355 Ridgway Dr.

12-5 PM

Cottage Realty

$299,900

Loveland

1920 New Hampshire St.

12-5 PM

Cottage Realty

970-227-3893

$299,900

Loveland

4454 Stump Ave.

12-5 PM

Cottage Realty

970-532-5900

From the $300’s

Loveland

3402 Creede Court

1-3 PM

Premier Lifestyle Realty, Cory Roberts

970-215-9913

$339,900

Berthoud

1723 Wales Dr.

12-3 PM

RE/MAX Alliance-Loveland, Lisa Moore or Connie Gliott

970-566-4629, 970-5664627

$342,500

Loveland

3480 Peruvian Torch Drive

12-4 PM Thurs. - Mon.

ERA Herman Group, Glen Marketing, Venna Hillman

970-663-4522

$342,500

Loveland

3464 Peruvian Torch Drive

12-4 PM Thurs. - Mon.

ERA Herman Group, Glen Marketing, Venna Hillman

970-663-4522 970-227-0964

$347,900

Loveland

920 Norway Maple

1-3 PM

The Group Inc., Rich Gardiner

$350,000

Loveland

3555 Capitol Peak Drive

1-3 PM

The Group, Inc., cindy Kurtz

970-962-6832

$365,000

Berthoud

103 Common Drive

12-3 PM

The Group, Inc., Tracy Wilson

$357,000

Loveland

302 Lyra Place

1-3 PM

The Group, Inc., Georgena Arnett

970-481-9801

$374,000

Loveland

4790 Wisconsin Avenue

12-3 PM

The Group, Inc., Tracy Wilson

970-567-0907

$379,000

Loveland

27847 Arikareee Road

1:30-3 PM

Coldwell Banker Plains Real Estate, Maurine Garretson

970-396-9597

$374,000

Loveland

4790 Wisconsin Avenue

12-3 PM

The Group, Inc., Tracy Wilson

970-567-0907

$425,000

Loveland

535 Marcellina Dr.

1:30-3:30 PM

RE/MAX Alliance-Loveland, Don Riedel

970-679-8265

$439,500

Loveland

2096 Vista Drive

1-4 PM

The Group, Inc., Bob Skillman

970-631-2257

Starting in the mid $400’s

Loveland

288 Reservoir Drive

1-4 PM

Premier Lifestyle Realty, John Mathey

970-481-5512

Starting in the mid $400’s

Loveland

288 Reservoir Drive

1-4 PM

Premier Lifestyle Realty, John Mathey

970-481-5512

$450,000

Loveland

2009 Morning Drive

12-2 PM

The Group, Inc., John Simmons

970-481-1250

$499,995

Loveland

363 Meadowsweet Circle

12-2 PM

The Group, Inc. Jack Tregenza

970-631-9101

970-215-4771

$525,000

Loveland

2951 Culebra Peak Dr.

1-3 PM

RE/MAX Alliance-Loveland, Don Riedel

970-679-8265

$699,000

Loveland

728 Beaver Cove Court

1-3 PM

Prudential Rocky Mountain Realtors, Gayle Schink

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 “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 September 10, 2011 E

May

June

July

Active Listings Previous Year Active Listings

1004 1117

973 1101

938 1092

Sold Listings

126

155

134

$200,000 $214,500

$220,000 $234,000

Average Days on the Market Previous Year ADOM

107 118

121 121

103 122

Year to Date Listings Sold Previous Year YTD Listing Sold

521 559

676 728

810 839

This week Last week Trend

EDITORIAL INFORMATION 635-3656 DISPLAY ADVERTISING 669-5050 CLASSIFIED ADVERTISING 635-3650

Regional Snapshot for Loveland/Berthoud Residential

Mortgage rate update

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

30-year fixed

4.18%

4.26%

15-year fixed

3.38%

3.39%

5/1 ARM

2.99%

2.99%

no change

Median Sales Price Previous Year Median

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

$208,958 $238,000

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

• Resident from Bank New York Mellon, 4106 La Veta Dr, Loveland, $169,500, home • Samuel Betters from Firstbank, 4275 Tarryall Ct, Loveland, $120,000, home • Theresa Denman • Roy & Karen from Amber Gebhardt, Schermerhorn from Donald A Brehm Fami- 634 Mckinley Ave, ly Bldr Trust, 1403 Al- Loveland, $151,000, home lison Dr, Loveland, • Mary Rohde from $255,000, home Doris Hayes, 4024 Pen• J T Richer from rose Ave, Loveland, Fannie Mae, 913 $225,000, home Alexandria Dr, Love• James & Amy land, $250,000, home Stogner from JFS Re• John & Sandra vocable Trust, 1905 Niehoff from Weston Ponderosa Pl, LovePace, 443 Elder Ct, land, $450,000, home Loveland, $159,900, • Beth Riske from home Chad Nelson, 212 • Michael Berthoud Grant Ave, Loveland, from 504 Grandview $172,000, home Trust, 504 Grandview • Nicholas & Dr, Loveland, Suzanne Leypoldt $155,400, home from Laura Tolp, 3705 • Thomas Langer Cheetah Dr, Loveland, from Aurora Loan Ser$209,000, home vices, 2432 Fleming Dr, Loveland, $142,000, home • Henry & Judy Guy • Robert & Miriam from Marc Buttler, 821 Robinso from Jonathan Bailey, 2165 Columbine Dr, Estes Westbourne Dr, Love- Park, $290,000, home land, $165,000, home • Marcus & Desarae Montier from Bank • Ronda Schwab America, 304 Green from Dion Cantu, 616 Teal Dr, Loveland, Wadas Ct, Johnstown, $158,000, home $193,000, home

Loveland

Estes Park

Johnstown

• Wade Gonzales from Brent Graybill, 613 Lippitt Ave, Johnstown, $285,000, home • Eli & Anastazja Gabriell from Oakwood Homes LLC, 3602 Maplewood Ln, Johnstown, $277,200, home • Amy Seaman from Barry Taylor, 20777 Northmoor Dr, Johnstown, $289,000, home • Daniel & Brenda Hoover from Oakwood Homes LLC, 3801 Blackwood Ln, Johnstown, $214,900, home • Joey & Meagan Sterkel from Errol Unverzagt, 1810 Chesapeake Cir, Johnstown, $215,000, home

Mccambridge, 312 N Shore Cir, Windsor, $489,000, home • James Cotter from Pamela Tannehill, 401 Elm St, Windsor, $215,000, home • Brennen & Cassidee Ames from Brian Warren, 388 Bluegrass Ct, Windsor, $221,000, home • Ronald Thomas from Hartford Homes Inc, 6136 Bay Meadows Dr, Windsor, $471,100, home • Lance Pfeiff from Jason Heward, 75 Lodgepole Dr, Windsor, $214,500, home • Jennifer & Jack Kooienga from Richard Johnson, 1025 Pinyon Dr, Windsor, $170,400, home • Phillip Tarhini from Michael Mcclure, • Caleb & Pepper 190 Kitty Hawk Ct, Makepeace from BK New York Mellon, 811 Windsor, $385,000, S Norma Ave, Milliken, home • Jeannette & Kent $119,900, home Mercer from William Roberts, 222 N 6th St, Windsor, $194,000, • Stanley Lampe from Susan Lindholm, home • Sandra & Terry 1372 Sunset Bay Dr, Litchfield from Windsor, $205,000, Richard Trant, 615 home Hemlock Dr, Windsor, • John & Lynette Szantho from James $215,000, home

Keep foreclosures in your neighborhood from becoming an eyesore

Milliken

Windsor

NEW LISTING!

SATU SA TURD RDAY AY 12:00 00-2 2:00 00 2009 Morning Drive, Loveland Spectacular Views – COMPLETELYY Remodeled on 1.48 acres. Private, peaceful & serene mountain feeling, yett the convenience of paved roads, natural gas, city water & public sewer. Allseason sunroom w/radiant heat. Upgrades include iron railing, wood floors, high-end finishes, granite counters, SS appliances....

John Simmonss 481-12500 $450,000 MLS# 661575

NEW

NORTHERN COLORADO HOMES

ing squatters or becoming hot spots for illegal activity, such as drug dealing. If you suspect such a risk, notify authorities immediately. “Everyone on that block needs to call (the foreclosure on your block can do more authorities) on the same day, within the same than spoil the view from your window. A hour. And if nothing happens, do the same foreclosed eyesore can ruin the financial thing again the next day,” Smith said. He said health of your household and neighborhood. with this tactic, at least in Chicago, it usually But you can help keep a blighted property from takes fewer than three days for police to board destroying your home equity. up and secure an abandoned property. Prevention makes the biggest difference, said If your city doesn’t fix the problem forecloErynn Crowley, deputy director of the Phoenix sure, Smith suggests calling a nonprofit that Neighborhood Services Department. If you will work on your behalf to take care of probknow a neighbor is headed toward foreclosure, lem properties in your neighborhood. find out what you can do to help maintain the To speed up a foreclosure sale, help find a poproperty should they move away. Like Phoenix, tential buyer. Talk up the property, and your many municipalities have developed resources neighborhood, to anyone who is looking to buy. to help neighborhoods deal with the foreclo“The best salespersons for an abandoned sure crisis. property ... are the people that live on that “We always encourage neighbors to talk to block,” Smith said. each other, because that’s the fastest way goIf your area is particularly hard-hit by forecloing,” Crowley said. “Sometimes they aren’t sures, the eyesore on your block may aware or they thought they had a tenant who already be part of a federally funded Neighwas taking care of it.” borhood Stabilization Program, under which To keep one blighted property from turning municipalities buy, fix up and resell blighted into two or more, maintain your own property. properties. Crowley said some Phoenix neigh“Don’t get too discouraged just because you borhood groups help market NSP properties. In have one or two abandoned properties on the Minneapolis, Anderson has seen neighbors block,” said Chris Smith, director for Neighbor- banding together to buy foreclosed or NSP hood Housing Services of Chicago in the city’s properties, fixing them up and reselling them. Roseland office. “If every other property on the Don’t waste your time trying to figure out block is in pretty good shape, chances are the who owns the foreclosure nightmare on your (foreclosed) property won’t stay vacant for too block in an effort to make the owner take relong.” sponsibility. Form a neighborhood watch to head off poForeclosures can take months or more than a tential problems, said John Anderson, co-owner year. It’s often difficult to pinpoint who curof Twin Oaks Realty Inc. in Crystal, Minn. rently holds the deed, Anderson said. “Once the pipes get stolen or (a property) Ask your building-code department, or a simbecomes vandalized, it becomes harder to sell ilar agency, what you can do legally to help and it becomes a bigger detriment to the maintain the property, said Anderson. In most neighborhood,” said Anderson. And always incases, they’ll give the go-ahead to pick up trash form police of criminal activity. outside the property or mow the lawn. Be sure “If (neighbors) see code violations — a broto get permission first. ken window; tall, dry weeds; trash in the yard Avoid the temptation to sneak onto the prop— we recommend they report them as soon as erty and try to fix it up yourself. “Don’t try to they see them,” Crowley said. “You don’t want do anything on your own,” Smith said. “(You) it to sit and get worse.” could actually be held liable for anything that Sometimes an eyesore can turn into a health goes wrong on that property. You have to go or safety hazard, with vacant properties attract- through the proper channels.”

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E4

Saturday Reporter-Herald September 10, 2011

Ask Angie: How to clean your carpets on a budget GENE AUSTIN MCCLATCHY-TRIBUNE

Q

uestion: I recently moved into a house with wall-to-wall carpeting in most rooms. The carpets are very dirty. I can't afford a pro cleaner right now and wondered if do-it-yourself cleaning is feasible. Can you help? Answer: There are several DIY methods of cleaning carpets, and some work well. The method many people use is water injection or steam cleaning, which uses a machine that injects hot water mixed with cleaner into the carpet, then vacuums out much of the water and removes dirt at the same time. This is the same method that is used by some professional carpet cleaners. You can rent the machines at tool-rental agencies or home centers. I have used this method myself and was amazed at the dirty water that was removed from the carpets. You need to attach the tool to a source of hot water and make sure the appropriate cleaner is supplied. You can also buy carpet-cleaning ma-

chines that use this system. A drawback is that some moisture might be left in the carpet and pad and, if it does not dry out properly, might be a source of mold. Another method, sometimes called dry cleaning, uses a powder that is spread on the carpet and sometimes forced into it by a machine. The powder is allowed to stay in place for a given amount of time to absorb dirt and is vacuumed up, leaving the carpet cleaner and brighter. Thick foam is sometimes used instead of powder. A downside here is that the powder or foam is a chemical and the cleaning results might not be as thorough as with water extraction. You can also rent drycleaning equipment at some tool-rental agencies. Question: We got water in our basement during recent heavy rains and the drywall panels covering the walls got soaked about 12 inches up from the floor. I am afraid mold will develop. Do I have to remove all the drywall? Answer: You shouldn't have to remove all the drywall. I would trim off the bottoms of the panels to a couple of inches above the water line.

Use a straightedge and a sharp utility knife or handheld power tool to cut off the bottoms in a straight line. If you cut all the panels at the same height, the repair will be easier. There is probably insulation behind the drywall, and you should check that for water damage also. If the insulation is wet at the bottom, it should also be removed. Let the cavities dry out thoroughly. Replace the insulation first, using tape, staples or whatever fasteners are needed to keep it in place. Then replace the drywall, using socalled paperless drywall of the same thickness as the material already on the wall. This type of drywall is more resistant to moisture and mold than regular drywall. Tape and spackle the joints and repaint. I would also consider taking steps to prevent future basement flooding. Check your rain-gutter system first to make sure it is in good condition and capable of carrying rain away from the foundation. You might also consider a sump pump to pump water out of the basement before it can accumulate.

Cindy’s Featured Listings

Cindy Kurtz 970-613-0700 office

3555 Capitol Peak Drive • Loveland

$350,000

Contract fell apart – now’s your 2nd opportunity to buy this gorgeous ranch style home, with rich wood floors which adorn the entry, kitchen and eating areas. Alderwood cabinetry in the spacious kitchen and butler pantry area. Private master bedroom has large walk-in closet and luxurious 5 pc bath. The full unfinished basement is garden level which provides lots of light. Outdoor living includes large deck, new installed stamped concrete patio and gas line for BBQ. MLS# 659371

2989 SW 8th Street • Loveland

$225,000

NEW PRICE! Awesome and unique home. Tons of rich feeling woodwork throughout. Large master bedroom on the main level. Upper level bedrooms and study/ loft are huge too. Cozy main level family and living rooms. Vaulted ceilings and fireplace. Private yard with relaxing deck and mature landscaping. Potential for RV/boat parking. New roof in 2011. MLS# 660250

ing my primary house first? Or should I consider doing a cash-out refinance and using those funds to buy the second house? From Page E1 I’m still employed with stable income, and I plan to retire when I sell my primary lenders to maintain the properties in this house. situation, but lenders counter that they Answer: The real issue is how much mondon’t have a legal right to take control of ey you have and how much you’re prepared the homes and make repairs or keep them to spend to secure the house of your future up. in South Carolina. The real problem is the employment situation. If it doesn’t improve significantly, If you are prepared to own two homes the housing market will continue to suffer. for an extended period of time, you could Individual and community efforts to keep buy the new house in South Carolina and up neighborhoods can make a difference. simply wait until you sell your primary resiBut what is needed is a system that helps dence. homeowners avoid foreclosure or helps But if you’re just waiting to find the right them through with the short sale if they house so that you can retire, owning two can’t afford their homes at all. homes could be a substantial setback to If the employment numbers improve and your plan. If you can’t afford to own the two the housing market becomes more stable, homes simultaneously, you might be better the government may find a way to assist off making sure you have a buyer for your homeowners who are underwater — i.e., current home before trying to buy a home who owe more than their homes are worth in South Carolina. — with a refinance program based on their The risk is that you could end up owning creditworthiness rather than on the value of both homes for some time to come. To their home. Being underwater is, for many homeown- understand the liability you face, you need ers, the only issue preventing them from re- to do an in-depth study of homes in your financing. These homeowners can afford the area that have recently sold and those that are on the market. You can do this by lookpayments but don’t have the cash to pay down their debt to a level where a new mort- ing up the prices of homes that have closed. If you are unsure of real estate market congage is possible. ditions in your area, talk to a couple of local The homes you reference in your letter real estate agents and get their thoughts on tend to be those whose owners either have walked away in a strategic default, have lost the market and on how to position your home for sale. a job and with it the ability to make mortgage payments, or are somewhere in the You say you won’t have your home ready to foreclosure process. sell for almost a year; the real estate market None of these scenarios is good for the re- next summer could be very different from maining homeowners. And every home that the market today. If you think the market in goes into default just makes it harder for ev- your area is better now, you might want to eryone else. consider selling soon. If the market is poor now, it may or may not get better next sumWhile it is a great goal to get communities and municipalities to pressure mer. homeowners or lenders to maintain these Your decision to buy hinges on where you homes, it seems that market forces will ulti- believe the real estate market will be in the mately determine whether neighborhoods future. Unfortunately, I don’t have a crystal improve or deteriorate in the coming ball. But I do know that owning two homes months and years. and having all the associated expenses is a I’m not saying you’re wasting your time, big burden to bear, particularly when you but what your efforts need to succeed is an are trying to retire and scale down your improving economy. home and style of life. Question: I’m in the process of getting my primary house ready to sell in order to downsize. Its value is around $400,000. I owe about $150,000 on For more information, call it and have no other debts. Glink’s radio show at I won’t be finished with prepping 800-972-8255 on Sundays my house for sale until next sumfrom 9 to 10 a.m., write to Real mer. I found a house in South CarEstate Matters Syndicate, P.O. olina that is an estate sale that Box 366, Glencoe, IL 60022 or meets my needs with a price around visit www.thinkglink.com. $150,000. Should I forget about this house in South Carolina and work on sell-

GLINK

Real Estate Matters

970-679-1545 office direct

970-962-6832 mobile

3375 Westerdoll Avenue • Loveland $330,000

2469 Indian Hills Drive • Loveland

Bright and sunny ranch style home. Great price for desirable Seven Lakes neighborhood. Vaulted ceilings, large kitchen, 3 bdrm and office. Cozy fireplace upstairs and gas stove frpl in basement. Basement is partially finished. Lovely lot that backs to greenbelt and has mountain views. Large patio with Pergola. MLS #662455

Sprawling ranch in lovely Windemere neighborhood! 4 bdrm, 3 ba, formal living, dining, family room and office on main level. Gorgeous Italian marble floors, newer triple pane windows. 50 year shingles, security system, 6 panel solid wood doors, remodeled kitchen w/granite tile counters, new refrigerator, dual fuel gas range, wood beam accents, xeriscaped yard with veggie garden. 20x22 workshop in the basement. MLS# 654183

$315,000

Share your news! In the “Together” section of the

www.thegroupinc.com

Open Houses This Weekend - www.thegroupinc.com NEW HOMES BUILT BY WINDMILLS, LLC

NEW CONSTRUCTION

SATURDAY & SUNDAY 12:00-3:00 110 Traders Lane, Milliken Pick your own fixtures, carpet & colors. Wonderful ranch style & 2-story home plans to choose from. Your choice of 3 great subdivision to live in – Settlers Village – Colony Point or Centennial Farms. VALUE YOU CAN SEE… QUALITY YOU CAN COUNT ON with a WINDMILLS HOME. Visit us at 110 Traders Lane in Settlers Village.

FRIDAY - SUNDAY 1:00-4:00 292 Saratoga Drive, Windsor Greenspire at Windsor Lake. It’s more than just a home… IT’S A QUALITY OF LIFE! Miles of bike trails, open space & parks. Personalize your home from framing to finish! Extraordinary floor plans – Ranch & 2-Story. Lots available on Windsor Lake! Visit our Sales Center or call for a personalized showing today!

SATURDAY & SUNDAY 1:00-3:00 2217 Mandarin Court, Johnstown Colorado Craftsman Style Home w/beautiful finishes. Quality built by Oak Valley Homes. Hardwood floors, designer tile and slab granite. Large kitchen island, gas fireplace and shaker style alder cabinetry. Full unfinished basement. Full yard landscape. Lot directly behind house can be purchased.

Prices starting in the $150’s

$167,900

Homes Starting in the $200,000s!

$279,000

MLS#

MLS# 662086

MLS# 643842

MLS# 662877

Call Tracy Wilson

Call Nancy Walkowicz

Call Jim Watson

Call Georgena Arnett

567-0907 NEW CONSTRUCTION

SATURDAY 1:00-3:00 4331 Filbert Drive, Loveland 3bd, 2ba, 2car garage. Ranch style home tucked away for privacy. Xeriscaped front yard. Back deck offers incredible views of the front range, as well as mature trees & shrubs. Shed included. No HOA dues! Immediate occupancy. New roof soon. Off Hwy 287 & 43rd Street West. Co-listed with Robert Walkowicz 377-4945.

NEW CONSTRUCTION

LOVELY HOME IN ASHFORD SQUARE!

461-7136 CLOSE TO LAKE LOVELAND!

219-5219

481-9801

NEW CONSTRUCTION

SATURDAY & SUNDAY 12:00-5:00

SATURDAY 1:00-3:00

SUNDAY 1:00-3:00

SATURDAY & SUNDAY 1:00-3:00

SATURDAY & SUNDAY 1:00-3:00

4607 Pompano Drive, Windsor 3 bedroom, 3 bath ranch with 3-car garage. Loads of upgrades, backs to open space! All of our homes are energy-efficient on oversized lots! Visit our models for other plans available starting at $239,900.

1388 W 48th St., Loveland This 3BD 3BA 3,375 sf ranch is move-in ready! Open w/ vaulted ceiling, large dining room, eat-in kitchen & popular split bedroom floorplan. Partially finished basement. Huge storage room w/cedar closet. Mature landscaping, large deck w/seating.

2821 Logan Drive, Loveland Professionally remodeled 4bd + study, 3ba, 3070 sf. home. The kitchen has travertine tile, stainless steel appliances. Wood floors throughout the main floor. Lots of special touches are found everywhere. It feels like home the minute you enter.

920 Norway Maple, Loveland New custom home by Troendly Construction. Ranch w/2 bedrooms & den on main level. Bdrm, bath & family room finished in basement. Tandem 3 car garage. Nice finishes included granite, Alder cabinets & stainless steel appliances. Fully landscaped w/auto sprinklers. Move in ready see this lovely home today.

3555 Capitol Peak Drive, Loveland Gorgeous ranch. Wood floors in entry, kitchen & eating area. Alder cabinets. Butler pantry. Private master bedroom with walk-in closet & 5-piece bath. Unfinished garden level basement. Outdoor living includes large deck, stamped concrete patio and gas line for BBQ.

$287,296

$295,000

$300,000

$347,900

$350,000

MLS# 661199

MLS# 664599

MLS# 660462

MLS# 654230

MLS# 659371

Call Kristen Specketer

Call Mary Ann Michels

Call Sally Lee

Call Rich Gardiner

Call Cindy Kurtz

290-8097

310-7944

227-7742

227-0964

962-6832

NEW CONSTRUCTION

MAJOR PRICE REDUCTION

NEW CONSTRUCTION

FRIDAY - SUNDAY 1:00-3:00

SUNDAY 12:00-3:00

SATURDAY & SUNDAY12:00-3:00

SUNDAY 1:00-4:00

SUNDAY 12:00-2:00

302 Lyra Place, Loveland Colorado Craftsman Style Home! Hardwood floors, designer tile, slab granite, alder trim & doors, mission style alder cabinets. Gourmet kitchen. Formal dining room & breakfast nook. Deck overlooks open space w/access from kitchen & master bdrm. 3-car tandem garage. Garden level bsmt. Full yard landscape. Close to I-25.

103 Common Drive, Berthoud Elegant turn-of-the-century home built with quality. Wrap-around covered front porch. Formal living and dining rooms. Huge family room w/fireplace. Kitchen features Tharp City Scape cabinets, granite countertops & pantry. Unfinished bsmt. Covered patio. 8’ doors in the 3-car garage.

4790 Wisconsin Avenue, Loveland Energy Star Rated & Built Green Home! Tharp cabinets, 3cm granite, huge walk-in pantry, gas cooktop, vent hood, built-in oven, microwave, refrigerator. Solid wood doors, wood trim & custom tile work. Finished basement w/wet bar & fireplace. Finished, insulated 3 car garage w/work bench & epoxy sealed floor.

2096 Vista Drive, Loveland Located on the 10th Fairway of the Olde Course in Loveland. 2 Offices, formal living & dining rooms, large kitchen & great room. Slab granite counters & back splash, wood floors. Mstr walk-in has custom built-ins. Jetted tub & huge shower. Mature yard. 3-car garage, workshop and heated driveway.

363 Meadowsweet Circle, Loveland Exclusive sanctuary w/ private rec trail, ponds, mtn & lake views. Master w/Travertine bath. Kitchen w/chiseled granite countertops, knotty alder cabinetry & SS appliances. Guest bedroom, den w/see-thru fireplace & great room w/skylights on main. 2 add’l bedrooms offer walk-ins. Front pergola courtyard & back deck.

$357,000

$365,000

$374,945

$439,500

$499,995

MLS# 657756

MLS# 622778

MLS# 658861

MLS# 644585

MLS# 655955

Call Georgena Arnett

Call Tracy Wilson

Call Tracy Wilson

Call Bob Skillman

Call Jack Tregenza

481-9801

567-0907

567-0907

631-2257

631-9101


Saturday Reporter-Herald September 10, 2011 E

Estate H&RE Real News Briefs

H&RE Featured Home Plan

MICHELE JONES JOINS COLDWELL BANKER RESIDENTIAL BROKERAGE IN LOVELAND AS BROKER ASSOCIATE Michele Jones, a member of the Loveland-Berthoud Association of Realtors, has joined Coldwell Banker Residential Brokerage in Loveland as a broker associate. Jones is now serving the diverse real estate needs of clients throughout Northern Colorado. Jones was in the food and beverage sales business for 20 years prior to pursuing a career in real estate. She enjoys hiking, boating and spending time with family and friends. The Coldwell Banker Residential Brokerage office in Loveland is located at 100 West 29th Street and can be reached at 970-667-2707. Jones may be reached directly at 970-556-1108 or via e-mail at michele.jones@colorado homes.com.

COLDWELL BANKER RESIDENTIAL BROKERAGE ANNOUNCES 2011 RIDE THE RANGE CYCLING FUNDRAISER Coldwell Banker Residential Brokerage, Colorado’s leading real estate company, will host its annual “Ride the Range” charity bike ride September 11-14. The event will benefit several local charities, in addition to Bike Denver and the Rocky Mountain Children’s Law Center through the Coldwell Banker Community Foundation. A team of 20 core riders will ride their bicycles more than 250 miles from Colorado Springs, to Denver and Evergreen, on to Boulder and Longmont and back to Denver to raise awareness and funds for local charities. Joining the riders this year will be Bruce Zipf, president and chief executive officer of NRT, the parent company of Coldwell Banker Residential Brokerage, along with other NRT representatives. The mission of the Rocky Mountain Children’s Law Center is to protect and save the lives of abused and neglected children through zealous legal advocacy, innovative programs and public policy reform. Since 1981, the center has provided legal representation to more than 10,000 children. BikeDenver was formed in the summer of 2001 to advocate for better policies and infrastructure to support increased bicycling in Denver. The organization operates programs designed to engage and educate the public about the benefits of safe bicycling while engaging hundreds of volunteers annually for events that promote bicycling. For more information on sponsorships and participation in the fifth annual Ride the Range fundraiser, visit www.cbridetherange.com.

Blue Creek offers stunning views ASSOCIATED DESIGNS

B

uilt in the right setting, the bright and spacious hexagonal great room at the center of the Blue Creek serves up a panorama of stunning views. And the vistas from inside this lodge are yours to enjoy from the moment you step inside. The main floor has a ground level entrance, but is one story above the ground

at the rear. Hefty log posts highlight the entry. A king post and struts highlight its lofty vaulted porch. Double doors open into the expansive great room, which is richly glassed in the three back wall sections. Tall windows flank the fireplace centered in the section to the right. Across the room from the entry, twin sets of sliding glass doors open onto a vaulted and covered deck that is a near reflection of

the front porch. A log handrail rims the wide deck that wraps around the rear, creating an extensive outdoor living area. Wings extend out to the left and right of the great room. On the left, a peninsular eating bar bounds a roomy kitchen with plenty of cupboard and counter space, including a central work island. The owners’ suite, with its twin lavs and large walkin closet, is just down the hall. A second bedroom and

JOHN BYRD JOINS COLDWELL BANKER RESIDENTIAL BROKERAGE IN LOVELAND AS BROKER ASSOCIATE John Byrd, an outdoor enthusiast and former aerospace professional, has joined Coldwell Banker Residential Brokerage in Loveland as a broker associate. Byrd is a member of the Loveland-Berthoud Association of Realtors and is now serving the diverse real estate needs of clients throughout Northern Colorado. Byrd earned his bachelor’s degree from Montana State University and has completed numerous specialized and computer related training courses. He has been recognized for his support to the Consolidated Space Operations Center and actively supports the High Plains Environmental Center. In addition to the aerospace industry, Byrd’s professional background includes public works and ethanol plant project management. He enjoys fly fishing, camping, skiing, hiking and golf. The Coldwell Banker Residential Brokerage office in Loveland is located at 100 West 29th Street and may be reached at 970-667-2707. Byrd may be reached directly at 970-222-9616 or via e-mail at johnmbyrd@comcast.net.

The vistas from inside this lodge are yours to enjoy from the moment you step inside.

Put your garden to sleep with a cover crop

750 W. Eisenhower Blvd., Loveland

669-1234

ANNE WUERSLIN CSU EXTENSION

Each office independently owned & operated

vview iew more mo properties at:

www.HomesInColorado.com

R

ight now, my raised bed garden is simply worn out. After wet spring rains and then beating hail, it is tired. Weeds are bolder, and I am exhausted at the thought of planting a second crop of cool weather vegetables. I decided to let nature do the work and plant a blanket of winter rye, a cover crop of what is also known as “green manure” once tilled into the soil in spring. Mid-September is an ideal time to plant this crop for plant and soil nourishment next year. Cover crops are plants grown not to be used as food, but as plant material which is used to improve soil conditions. Fall-planted crops can be cut down and dug into the soil in the spring. Cover crops improve soil by adding organic materials, replenishing soil nutrients, building soil integrity or tilth and reducing erosion. They also reduce the need for nitrogen fertilization. Best yet, these crops keep weeds down as well. Cover crops are usually grass varieties of winter legumes or grasses. Winter rye, buckwheat, annual rye and oats are some of the most common grasses. Winter ryegrass is a good choice for Colorado gardens as it tolerates poor soils and does not need much rain. Winter legumes are great nitrogen recyclers, and include crimson clover, winter peas and hairy vetch. The latter legume has been especially bred for colder climates. Some gardeners combine grasses with legumes, i.e. winter rye with hairy vetch, to create diversity. The roots of the grain protect the slower growing vetch. Come spring, my winter rye will be cut down and tilled into the soil. I plan to let the residue sit for about three to four weeks before planting my spring crops. In the meantime, I will read garden catalogues, plan for next summer’s season, rest and let my cover crop grow. For more information, visit the Colorado Master Gardener website and read Garden Notes #244 on “Cover Crops and Green Manure Crops” from www.cmg.colostate.edu. You can also visit the Planttalk website and read publication #1616 on “Cover Crops” from www.planttalk.org. Anne Wuerslin has received training through Colorado State University Extension's Master Gardener program and is a Master Gardener volunteer for Larimer County. For more information about CSU Extension, Larimer County, call 970-498-6000 or visit www.larimer.org/ext.

bathroom fill the opposite wing. Outside, on the basement level at the rear of the Blue Creek, hefty posts support the main floor deck above, creating a covered colonnade below. A hexagonal two-car garage with plenty of extra work and storage space sits below the great room. Basement rooms, which could initially be finished or unfinished, extend off of the hexagon in the same configuration as above. Visit AssociatedDesigns .com for more information or to search home plans. A review plan of the Blue Creek 10-564, including floor plans, elevations, section, and artist’s conception, can be purchased for $25. The Home Plan Collection, featuring more than 550 home plans, costs $15. Both are available online, by mail or phone. Add $5 shipping and handling. Associated Designs, 1100 Jacobs Dr., Eugene, OR 97402, (800) 634-0123.

OPEN SATURDAY 1:30-3:30 535 Marcellina Drive, Loveland

OPEN SUNDAY 1-3 PM 2951 Culebra Peak Dr, Loveland

OPEN SATURDAY 12-2 4230 Julesberg Dr, Loveland

Spectacular 2 story with recently awesome finished basement, 5 bdrms, 4 baths, .29 acre lot, lots of tile, formal dining, breakfast nook, white glove perfect! www.RiedelGroup.com

Huge ranch with full finished bsmt with 47x27 family room, formal & informal dining, 4/10ths acre lot, 5 bdrm, 4 bath, awesome gazebo/deck, stunning condition!!!

Ranch w/ garden level bsmt, 4 Bd, 3 Baths, new carpet, 5 pc bath, new roof, A/C, sprinklers, fenced yard, great condition, ready to move in, close to schools, parks, great NW location.

$425,000 | MLS #663870

Call Don A. Riedel 679-8265

driedel@remax.net

$525,000 | MLS #663378

Call Don A. Riedel

$219,900| MLS #664312

679-8265

Call Kathy Beadell

driedel@remax.net

beadell@rmfa.com

290-1798

OPEN SATURDAY 1 PM SHARP! www.1015W32nd.com

PRICE REDUCED www.4997ValleyOak.com

www.620SundownCt.com

Well-maintained, beautifully landscaped tri-level near sculpture park; four bedrooms, finished basement, spacious kitchen, fireplace. Cedar closet! A/C.

Lovely lake view with boat access! 5 bedroom, 4 Bathroom; main floor master; gourmet kitchen has island; great room with fireplace; walk-out basement; 3-car garage.

Come home to the country! Gourmet kitchen, finished basement, 5-bedroom, 3 Bathroom; wonderful deck, outside storage, beautiful landscaping, horse property, corral, tackroom.

$210,000 | MLS #660546

Call Nanci Garnand

679-1686 or 227-1327

www.LivingInLoveland.com

$487,500 | MLS #647550

Call Nanci Garnand

622-1846 or 227-1327

www.LivingInLoveland.com

$440,000 | MLS #654641

Call Nanci Garnand 622-1846 | 227-1327

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Saturday Reporter-Herald September 10, 2011

H&RE Front Range Gardening

Prepare early for proper frost protection

ALIE RICH CSU EXTENSION

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CAROL O'MEARA CSU EXTENSION

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rost kissed the high country in a Labor Day weekend reminder that garden days are numbered. The chill, 20-degree night put an end to tomatoes and peppers before they really got started, and friends are posting photos of the disaster on Facebook direly warning, “soon this will be you.” But seasoned gardeners relish the challenge September weather brings; the month makes gamblers of all of us with its daily gyration of temperatures. It’s the time when we turn into fashion divas, worrying over what to drape the garden with when frost arrives. And whether you choose the floral print comforter or clear plastic, it pays to lay out protection strategies before the chill sets in. Here’s what you need for planning: • Sheets of plastic or cloth. The trick to success is ensuring that the covering does not touch the plant and extends completely to the ground. The warmth of the soil will fill the covering like a tent, keeping temperatures just above freezing. Now is the time to ready sheets, blankets or large towels, stacking them close to the garden in the shed or garage for quick access when you rush home in a panic. Cloth coverings work for frost, but not in freezing rain or snow; rapidly becoming heavy with moisture and no longer protecting the plant. Plastic is better under wet conditions, but because it conducts the cold be sure it doesn’t touch the plant. Remove the coverings each morning to allow the soil to warm again. • Consider building a plastic tunnel from 4inch wire fencing hooped over rows of vegetables, or PVC pipe frames. With sturdy wire and 6-millimeter thick, UV-resistant plastic tunnels can extend the life of cool season vegetables such as lettuce or broccoli. Tunnels need to be opened during warm days and closed at night. Find this specialty plastic at local garden centers. • Fill plastic milk jugs with water, cap them and leave them in full sun. When a cold snap or hard frost is predicted, nestle them up around tender plants. In combination with a plastic cover, their warmth will release slowly overnight, keeping damage from the plant. Stack the jugs two or three high for taller plants, taking care to brace the upper level to prevent it from falling and crushing the plant, defeating the purpose of protection. Tear down the jugs during the day, and spread them apart to warm in the sun. Personally, I’m dreading the inevitable wet, limb shattering snow. Frost will tuck insects and disease away for the season, slowing the frenzy of the season to a nice autumn mellowness. However, wet snow on branches still hold-

Cooler temperatures beckon gardeners outdoors

ing leaves spells disaster. There is little that can be done to prepare for this, other than having a soothing herbal tea nearby, but once the white stuff begins to bend branches down, get ready for action. Using a broom, gently sweep upward from below the branch to knock the snow upward and off the plant. Sweeping down adds weight to the branch — often breaking it — so be sure to sweep upward. This works nicely on smaller shrubs and evergreens, but if you have mature trees don’t try it. Most trees are able to withstand the weight of snow, but take a look under the canopy to identify power lines or obstacles in case of limb failure. If a limb falls on a power line don’t try to remove it. Contact your power company immediately. Should the cold snap be predicted for several days, consider telling your plant goodbye and start preparing your compost area to receive new fodder.

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

Front Range Gardening

Seasoned gardeners relish the challenge September weather brings; the month makes gamblers of all of us with its daily gyration of temperatures.

oon you’ll be feeling the temperature changes that come with the month of September. You might think most of the work in your garden is done, but in truth, it can be a very busy month for gardeners in Colorado. Cooler temperatures allow you to get back out into your yards in comfortable conditions. Here are some of the things that can be done in September. Lawn care: • Fall is a great time to aerate your lawn. Schedule aeration sometime before mid-October. • Apply fertilizer to the lawn — once in midSeptember and another in late October. You can fertilize and aerate on the same day. • Patch or reseed bare lawn spots while it’s still warm enough for seeds to germinate and get established before winter. • Lay down sod. Perennial planting and pruning: • Plant trees and shrubs. Keep well watered, if there isn’t sufficient rain. • Plant bulbs for spring color. Separate and replant crowded near the end of the month. • Divide and move perennials. • Deadhead annuals and perennials to maintain bloom. Don’t deadhead roses if you want the showy hips for winter color. • This time of year you can get plants highly discounted. Weather permitting, the next couple weeks are the last chances to get perennials in the ground to enjoy in

next year’s garden. • Prune raspberries and other berries that grow on canes after harvest. • Dig and store tender bulbs like dahlias, caladiums and tuberous begonias. Vegetable Gardens: • Continue to harvest cucumbers, beans and summer squash in their immature stages. Allowing them to ripen on the plant will cause the plant to stop producing new flowers and fruit. • Plant peas, root crops (carrots, beets, turnips, radishes), greens (kale, lettuce, Asian greens, spinach) and brassica starts (Brussel sprouts, broccoli, cabbage, cauliflower, Bok Choy). • Be on the watch for early frost. If early frost is imminent, harvest remaining vegetables, including green tomatoes. Ripen green tomatoes by wrapping each in a sheet of newspaper and storing in a cool, dark area. Miscellaneous: • Bring summer houseplants back indoors while the windows are still open. Check carefully for hitchhiking pests. • Start fall clean-up in the flower beds, cutting back anything that has finished blooming or is diseased. • Give the compost last turns. Alie Rich has received training through Colorado State University Extension's Master Gardener program and is a Master Gardener volunteer for Larimer County. For more information about CSU Extension, Larimer County, call 970-498-6000 or visit www.larimer.org/ext.

Grasshoppers pose a problem for the garden KATHI TAYLOR CSU EXTENSION

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uestion: Just when I’m anticipating gorgeous fall flowers and mounds of juicy tomatoes, grasshoppers are moving into my yard, eating any green in sight. What do I do now? Answer: Sadly, not much this time of year. Attempt to keep lawn areas surrounding the gardens lush and well watered to divert some of the feeding activity from vegetables and flowers. Floating row covers may be used to cover vegetable crops; however, grasshoppers have been known to chew through plastic screens. How about poultry? Research indicates guineas or turkeys are good predators. Question: A few grasshoppers were seen earlier in the summer, now we have hordes of chewing machines. What prompted the invasion? Answer: Outbreaks may last two to three years. Nymphs hatch from eggs laid the previous late summer or fall. Egg laying occurs primarily in dry, undisturbed areas, not in irrigated lawns and gardens. Nymphs hatch in late May or June, taking two

to three months to develop into adults. Adults feed on native vegetation in dry areas, pasturelands, and along road sides. As vegetation becomes less available, due to drought or defoliation, hoppers move right into yards and gardens. Northern Colorado was very hot and dry in August, hence your invasion. Question: Can I do anything to prevent the problem next year? Answer: Next spring, as new nymphs hatch, a microsporidian, Nosema locustae, effective on young grasshoppers, can be spread in surrounding dry areas. It is slow acting and is not effective on grasshoppers moving into yards, but on breeding populations. Apply in early

May or June. Manufactured as a microbial insecticide, Nosema locustae may be found under various trade names. Bait is recommended to be optimally effective. On a side note, in an effort to manage grasshoppers this year, my husband is attempting to suck up adults with a leaf vacuum. Our chickens are not making enough of an impact on the population. Bait will be in my garden’s future in 2012. Kathi Taylor has received training through Colorado State University Extension's Master Gardener program and is a Master Gardener volunteer for Larimer County. For more information about CSU Extension, Larimer County, call 970-498-6000 or visit www.larimer.org/ext.


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