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SATURDAY, November 21, 2009

Reporter-Herald

HOME & Realty Guide Look Inside:

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Right at Home Nursery design Page 13

Mortgage rates ....................pg. 3 Holiday table done right ....pg. 5 NAR ..........................................pg. 6 Ask Dulley ..............................pg. 7 New Home Directory..........pg. 8 Home building trends ........pg. 9 Can still plant trees ......... pg. 10 Professional Spotlight .... pg. 11 Transactions ...................... pg. 11 Open Houses .................... pg. 12 Classifieds.......................... pg. 15

Real Estate Matters: Taxes on short sales

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Featured Proper ties Section: Page 4

AP photo

The Group, Inc. Realtors are trained to successfully navigate every type of real estate transaction.

Weather market changes The Group Realtors are trained for real estate in transition RH PAID ADVERTORIAL

Ask Dulley Heat with a corn or pellet stove and save energy

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s 2009 draws to a close, it’s with a sigh of relief that many Realtors and sellers complete the year. Changing markets are a constant in the real estate business, and how Realtors handle those changes is significant to affected buyers and sellers. The year was a continuation of several market

fluctuations, and the prevalence of distressed property types was evident across the landscape of Northern Colorado. Most real estate conversations included discussion of pre-foreclosure, short sale and bank owned property. The dominance of these distressed situations caused much anxiety for all parties involved in the transaction. Thankfully, Colorado has not fared as badly as other states and regions across the country. In some areas of California, Florida and Nevada, foreclosures make up 50 percent or more of the market. According to second quarter statistics compiled by the Mortgage Brokers Association, over 13 percent of all mortgages were distressed, with nearly 9 percent in default. Sub-prime loads led I See Group/Page 2


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HOME and REALTY GUIDE/Reporter-Herald

SATURDAY, NOVEMBER 21, 2009

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Group From Page 1

the way with over 25 percent in default, and over 40 percent distressed. Despite the stress and anxiety associated with these problems, these properties still can be and often should be sold rather than foreclosed upon. A quick search of the local multiple list service called IRES indicates Realtors who have made distressed property their area of specialty have had extraordinarily busy schedules. With no end in sight, it is imperative that homeowners facing any potential distressed situation get help from a qualified real estate professional immediately. What makes a Realtor qualified to deal with this market segment? That is a great question should you need to find the help for your personal situation. Expertise is a must, and a thorough understanding of the diverse distressed situations and what resources are available and what processes are required to handle them are certainly key. The Distressed Property Institute, LLC, located in Florida, has developed a new intensive course for Realtors to get education to help homeowners with these exact problems. The result of the education is a designation known as the Certified Distressed Property Expert (CDPE). According to CPDE

certified master instructor Vanessa Liddell, getting an early jump on the situation is key. Information from the Distressed Property Institute estimates that most American families can only maintain their current living expenses for 60 days or less when income is interrupted for any reason. The moment a property becomes distressed, which is upon the first missed payment, a time clock starts ticking that sellers and Realtors must work against. The sooner the problem solving can begin, the better for all parties. Often times customers feel there are no solutions and wait too long to seek help. Unfortunately, it is those circumstances that once help is sought after, it is often too late. The Group, Inc. Real Estate has always strived to be the source of knowledge regarding real estate in Northern Colorado since its inception in 1976. Recently, more than 70 of the Group’s sales Partners participated in the education sessions required to earn the CDPE Designation. The CDPE designation is about helping clients (who are also sometimes family, friends and close business associates) find a solution to an often humiliating and humbling experience as financial distress takes its toll

“Expertise is a must, and a thorough understanding of the diverse distressed situations and what resources are available and what processes are required to handle them are certainly key.”

RH photo/Paul Litman

CPDE Certified: Front row, left to right, Kathy Boeding, Maribeth Bergan, Diana Luthi, Kelli Couch, Cathy Vance, John Simmons. Back row, left to right, Kristen Specketer, Ceri Anderson, Mark Moran, Bob Skillman, Georgena Arnett, Cindy Kutin, Tracy Wilson, Debbie Guinn, John Peden, Debbie Hansen, Stephanie Kirkland. Not pictured: Miki Roth, Rhonda Heth, Matt Thompson on people close to our hearts. There are sometimes situations that create financial hardships that are out of one's control and help, guidance and solutions need to be offered to those who have nowhere else to turn. The next wave of loan defaults is nearing with Option ARMs and Alt-A mortgages about to come to the first adjustment periods. These people who need help cannot afford to experiment with agents who do not fully understand the rules of the game and who do not have the essential training to get them the help they need to complete a short sale. These are decisions that can have an affect for years to come, and it is not the time to use a best friend or cousin who is in real estate. It is time to choose a real estate professional who has the training, education, experi-

ence and dedication to get the job done. John Peden, a long time Partner with The Group, Inc. earned the designation in order to more effectively help customers through the process of a distressed sale. “The consumer should care that they are being assisted by a professional who has the knowledge, expertise and insight to navigate through the complicated process of a short sale or other distressed sale,” said Peden. Helping a homeowner avoid foreclosure is a key service provided by those Realtors with the CDPE designation. Often times the customer doesn’t understand the process and loses hope when a financial crisis hits home. They may not understand that by choosing foreclosure over help, they may run into other significant problems such as being responsible for

any deficiencies after closing, jeopardizing employment opportunities for employers who run credit checks, lowering their credit score to a devastatingly low level. Unfortunately, distressed property sales are a big part of the new normal in real estate. According to Diana Luthi, a Group Partner from the Centerra office in Loveland, “These are complex issues that need to be handled by an expert. The customer should leave nothing to chance, and should seek the best assistance from a professional who can handle the situation effectively, efficiently and as smoothly as possible.” To speak with a certified distressed property expert at The Group, Inc., call 970613-0700. We will be happy to connect you with any of our qualified Partners to help educate you on your options.


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HOME and REALTY GUIDE/Reporter-Herald

SATURDAY, NOVEMBER 21, 2009

H&RG Real Estate Matters H&RG

Taxes on short sales for you to use when you file your income tax return. For more details on your tax liability any possible state tax liability, please discuss the uestion: I own a rental property that is issue with your tax preparer. worth less than the mortgage balance. Question: I really enjoy reading your advice What happens if I decide to sell this and articles in our local newspaper. My husinvestment property? It is located in Atlanta, band and I just bought a new house and are and because of market conditions it will altrying to sell our older home. most certainly be a short sale. Our former home is a four-bedroom, twoWill my lender send me a 1099 statement for the difference between what I owe and the and-a-half bath 50-year old Tudor in a fairly upscale suburban community. The house has amount the short sale generates? Do lenders been on the market for six months, and we’ve usually send the 1099 even if the lender cancels the debt owed? I wondered if there would chosen to use a discount Realtor who will receive a 3.5 percent commission if the property be a tax consequence because of the sale. Answer: Real estate investors whose proper- sells. ties are worth less than the mortgage amount We’ve had dozens of showings and, besides don’t get to take advantage of the special pro- some negative comments about two bathtections and tax benefits that Congress has rooms with wallpaper and brown paint in one bestowed upon homeowners who are in troubedroom, the feedback we’ve received is that ble with their primary residences. the house shows in “good to excellent” condiWhen an owner sells a property through a tion. short sale, the lender will send a 1099 for the We have been on a few people’s “short lists,” difference between what was owed and the but no sale. Other similar homes nearby listed amount accepted on the loan. in the same price range have sold. The release of indebtedness by that lender Should we take the house off the market — what you should have paid back the lender now and then re-list in the spring to avoid the — is considered a “gift” from the lender to listing getting stale? Should we repaint and do you. The IRS considers that amount to be tax- other improvements while it is off the market? able income. That’s why the amount that is Or, should we leave the property on the marforgiven is taxed. ket through the remainder of fall and the winSome people refer to the release of indebtter? Thanks for any suggestions you have. edness as “phantom” income because even Answer: These days, homes don’t sell in though you don’t have any more money in minutes, hours or days — they sell in months your pocket, you owe tax on this phantom or years. It’s not unusual to have a home sit cash. on the market for six months to a year. There Homeowners who are selling their primary are a large number of homes for sale that have residences and are underwater with their been on the market for nearly two years. mortgage do not have to pay tax on the forgivThese are tough times for home sellers. Buyen debt, thanks to legislation that passed last ers are in control and are dictating the way year. homes are sold. One thing that buyers want is Real estate investors who sell a property that to move into a home that’s in perfect condiis underwater, however, would owe federal in- tion. If they’re not going to move into a home come taxes on the difference between the in perfect condition, they tend to want a massales price and the amount owed on the loan. sive discount on the price. And, yes, the lender should send you a 1099 It’s important to do everything you can to resolve any issues a buyer might have with your home. Buyers don’t have the For more information, call time, energy, interest or cash to resolve Glink’s radio show at issues like bad wallpaper and unfashion800-972-8255 on Sundays able paint. They’re expecting you to take from 9 to 10 a.m., write to Real care of that for them, particularly in arEstate Matters Syndicate, P.O. eas where there are a lot of homes on Box 366, Glencoe, IL 60022 or the market. visit www.thinkglink.com.

Mortgage Interest Rates

This Week’s Rates*

ILYCE GLINK TRIBUNE MEDIA SERVICES

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Real Estate Matters

I See Q & A /Page 5

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30-Year Fixed:

Today 4.99%

Last Week 5.07%

15-Year Fixed:

4.49%

4.63%

5/1 ARM:

4.09%

4.20%

Trend

* Rates provided by Bankrate.com. All rates are subject to change.

Home and Realty Guide is on the Web For home and real estate advice, features and information, visit www.homeandrealtyguide.com

Home & Realty Guide is produced every Saturday by the Loveland Daily Reporter-Herald.

EDITOR Jade Cody jcody@reporter-herald.com 635-3656 REPORTER Rhema Muncy rmuncy@reporter-herald.com 635-3684

DISPLAY ADVERTISING 669-5050 CLASSIFIED ADVERTISING 635-3650


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HOME and REALTY GUIDE/Reporter-Herald

SATURDAY, NOVEMBER 21, 2009

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FEATURED PROPERTIES - UP TO $199,999 OPEN HOUSE SATURDAY 1:00-3:00 PM

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OPEN HOUSE FRI, SAT & SUN 1-3

Near Lake Loveland & walking distance to schools. 5 bedroom, 2 bath, full basement in this ranch-style home. Large fenced backyard with shade trees & nice covered patio. Call Gayle @ 970-215-4771 for more information.

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151 Blossum Drive - Loveland CO

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193 Colbalt Ave. C Copper 10 Subdivision, located at the corner of East 1st and Boise Ave. Paired home that is o aalmost complete! Great floor plan that features two master suites, volume ceilings, one car tw garage and a carport, Bamboo flooring and g European-style cabinetry. E

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WOW!! If you are looking for something unique, this might be it! Two story paired home with 2 master suites, private terraces, European kitchen design, open floor plan with lots of light and an unfinished basement. Priced to sell at $199,000.

Well cared for w/lots of sq.ft. Close to parks. Downstairs family room could be used as media room. The brick makes for easy maintenance as does the sprinkler system, A/C. $142,900 #606153

Not a THING to do to this impeccable 3BR/2BA home before you move in! Open, clean and ready for a Thanksgiving supper! HOA covers; ext water, trash AND basic cable. $175,000

Ranch Style home in convenient location in Windsong Subdivision. Built in 1997, 3BD/2BA, 2 car garage, full unfinished basement. Just listed at $179,750.

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Mariana Butte Sub. Beautiful 2 story home w/walk-out basement. All appliances are included. You won’t be disappointed. $2,000 credit for closing costs w/ reasonable offer. $224,500 MLS#60508

Price just reduced to 279,000! Ranch w/ 4 bedrooms & 3 baths all on 1 level. Very open, w/ large living rm & nice kitchen w/ breakfast bar & family rm w/ gas fireplace. Landscaped, fenced yd w/ patio.

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Come and enjoy the views. Beautifully located 2.4 acres west of Devil’s Backbone with 2 homes. One built in 1993, the most energy efficient Earth Bern and the other, 1 bedroom house was completely redone in 2004. Gardener’s dream, must see to appreciate. Main house 1593 sq. ft., guest house 684 sq. ft. Priced to sell $329,900. For more information look at www. BogdanRealEstate.com

Betsy Burns, CRS Coldwell Banker Residential Brokerage 970-215-1776 www.betsyburns.com

Ursula Albers Century 21 Humpal, Inc. 970-231-0548 ursulaalbers@msn.com www.allcoloradohomes.com

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J Jeannine (j’9) DiGuglielmo 11st American Real Estate 9970-663-6699 j9@1aprop.com j9 www.1stAmericanRE.com w

$400,000 TO $499,999 COUNTRY CHARMER!

SHORT SALE ON BEAUTIFUL LAKE FRONT PROPERTY

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Lakefront Hide-a-Way! Views of lake & mountains from every room. Best Kept Secret in Loveland. Open the door to Prestige and Elegance in this 5bd/5bath 2 story home with finished walk-out. $475,000

47-306770

Jeannine (j’9) DiGuglielmo 1st American Real Estate 970-663-6699 j9@1aprop.com www.1stAmericanRE.com

Carolyn LaMaster Prudential Rocky Mountian, REALTORS 970-690-1596 c_j_lamaster@yahoo.com www.prudentialrmr.com

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New custom ranch w/full fin., walk-out bsmt. 5232 sq ft. 2.3 AC lot, open floor plan, panoramic views, only 8 mi. from town. Surrounded by 90 AC of open space in select group of lots Pittington Ranch. Dbl. FP, stamped decks, hrdwd. floors, knotty alder cabinets, granite counters, travertine tile. FULL OF UPGRADES! Must see. Directions: W. on Hwy. 34, S on CR 29, W. Carter Lake Rd., 18E entrance to Pittington Ranch on N. side of road, follow signs.

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Be Burns, CRS Betsy Coldwell Banker Residential Brokerage Co 970-215-1776 97 www.betsyburns.com w


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SATURDAY, NOVEMBER 21, 2009

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H&RG Home design

Design experts spruce up holiday table decor Fix up the holiday table before guests make a grand entrance for the holidays TERRI SAPIENZA AND JURA KONCIUS WASHINGTON POST

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he countdown is on for the holiday season. It’s time to take a good, hard look at your dining room and assess its readiness for entertaining from now until New Year’s Day. It might be time for a minor facelift before the relatives arrive. Because dining rooms are often multi-tasking spaces, and because many families eat most of their meals in the kitchen, the room designated for dining is often neglected. Perhaps it could use a style boost. We asked designers for tips to revive a dining room without spending a lot of time or money. Use these ideas to make several changes, or

Q&A

choose just one. Either way, your home will feel refreshed and you will feel prepared when the first of many guests walks through your door. Instead of flowers, D.C. floral designer Sue Bluford recommended arranging fruits, vegetables or gourds down the center of a dining table. Artichokes, ornamental kale, squash and mini pumpkins can be piled in bowls or fashioned as a free-form runner. The more you use, the more dramatic the look: For a recent party, Bluford amassed 200 mini pumpkins down the middle of a long table. Later in the holiday season, switch to persimmons, oranges, tangerines and pomegranates (cut a few open to display the insides, but be careful not to stain your tablecloth). Other options: Go for a natural look by using pine cones, evergreens and magnolia leaves, or be decorative and use lots of monochromatic ornaments. No fancy footwork is necessary to achieve these looks, Bluford said, “just lay them down on the table.” Another idea: Los Angeles designer Michael S. Smith suggests using amber votive candles on

don’t have other decorating problems. I recommend that you From Page 3 spend a week having the wallpaper stripped from these two bathrooms, and then paint Since you’ve had dozens of them and the bedroom in a showings and other similar color that coordinates better homes have sold in the neigh- with your furnishings. I borhood, you’re probably wouldn’t pull the property off priced about right for the the market, because it apmarket or maybe a tad high. pears you’re getting traffic. You may have other issues You just have to figure out with your property — its loca- how to deliver what your tartion in the neighborhood or get buyer is looking for. on the block, the type of While you’re busy painting, house or age of the property, I think you should also take a the layout of the home, or any look around the house and of a number of other factors see if there’s any other paint — that push the buyers to you can freshen up. Is the purchase other homes over house vacant? If so, you may yours. want to stage it with a miniEven if all of those other is- mal amount of furnishings in sues aren’t problematic, being order to make it look more competitively priced isn’t go- appealing to buyers. If you ing to be enough if other still have it chock full of your homes are in better shape or old stuff, you might consider

editing that down so that buyers feel the home is bigger and has more space. Although you have the property listed with a full-service discount Realtor, consider offering some sort of cash incentive to the agent who brings the successful buyer to the table. While great agents won’t force their clients to buy your home simply because of the cash incentive, they’ll certainly make sure it gets a showing. Finally, start visiting the competition. Then take a step back and see how your home compares with others that have sold. If you see some deficiencies in your home, you should either fix those issues or reduce your price. Question: My neighbors do not want to give me access to their fenced-in yard to perform maintenance on my

the table to cast a warm glow. Here are other small things you can do in the dining room: • Keep a Thanksgiving guest book. Visitors can write what they are thankful for. Take it out year after year, and it will be a favorite family heirloom of celebrations gone by (Terry Sullivan, Washington). • Arrange your child’s leaf collection on the table and include jars of acorns they’ve collected (David Herchik and Richard Looman of JDS Designs, Washington). • Hang a wreath in front of a large mirror, using a cream or white ribbon for contrast (Tracy Morris, Washington). • Collect magnolia leaves outdoors. Whether spray-painted gold or silver or left their natural color, these can make a last-minute centerpiece; or arrange them in an oversize bin or flower pot inside a fireplace (Dana Tydings, Laytonsville, Md.). • Add shades to the exposed bulbs of your chandelier or sconces. The shades will instantly soften the light (Michael Hampton, Washington).

house, gutters, etc. They also have a doghouse against my house and have attached a fence against it to make a “pen” to house their pit bulls. Is there a city ordinance against all of this? What city bureau would I contact? Answer: Many cities have ordinances that regulate the ability of homeowners to use adjacent lands to maintain their homes. In your case, it’s in the neighborhood’s best interest that you should be able to maintain your home. If you can only do that by obtaining access through your neighbor’s yard, you may have a right under your city ordinances to have limited access for that purpose. You should call the city and find out what agency you can talk to determine whether you have that right or not. You might find that your al-

derman’s office or other local municipal governmental office may have information available for you. In some towns and cities, you can now go to that town or city’s Web site and research your question. After you have done some of this research, if you still have not found your answer, you might have to ask a good contractor in your area the question or ask a real estate attorney. The contractor might have experience with this issue, having fixed buildings and homes in your area. That contractor might even be able to quote you the law that allows neighbors to have limited access on other people’s property to make repairs to their own properties. The attorney might have that information as well.


HOME and REALTY GUIDE/Reporter-Herald

SATURDAY, NOVEMBER 21, 2009

www.homeandrealtyguide.com

H&RG Real Estate

Renters often unlikely victims of foreclosure dent Charles McMillan. “Our goal is to help keep people in their homes, but if a sale can’t be avoided, it’s important that rights of renters are prohen the foreclosure crisis first hit the tected as much as the owners.” U.S., many individuals and families living According to panelist Charles Achilles, vice in rental housing were evicted without president of legislation and research for the Instinotice after the property they called home entute of Real Estate Management, a new law tered foreclosure. Often those tenants, who had signed into effect in May 2009 by President Obabeen paying their rent on time, had no idea the ma, “The Helping Families Save Their Homes Act property was in delinquency or facing foreclosure of 2009,” included provisions to protect tenants until they received notice to evict. from eviction after their rental property enters At a forum today during the 2009 Realtors foreclosure. Conference & Expo, a panel of experts discussed Under the new law, tenants must be given 90 the impact, liability and ethical issues of foreclo- days notice prior to eviction. Depending on state sure on single-family and multifamily rental hous- law, tenants are allowed to stay in the property ing to the property owners, managers and tenthrough the end of their lease with two excepants. Data from the National Low Income Coalitions — if the new owner wants to occupy the tion show that nearly 40 percent of families facproperty as a personal residence, or if no current ing foreclosure are renters. lease is in place or there is a lease but state law “Realtors build communities and are working allows the lease to be terminated at any time upto reduce the impacts of foreclosure on all com- on notice. Even under these exceptions, tenants munity members – homeowners and renters must be given 90 days notice. alike,” said National Association of Realtors PresiAchilles said a number of states have existing NAR

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laws protecting tenants; however, the new law preempts existing state laws, unless the state’s law offers renters greater protection. The provisions of the law expire December 31, 2012. Panelist Stan Mullin of California Real Estate Receiverships in Newport Beach, Calif., said there are many potential liabilities and ethical issues facing tenants and property managers during foreclosure. Mullins said receiverships are incredibly beneficial and are used during disputes between two parties. Receiverships are appointed by the court and play an important role in protecting the property and the interests of the all parties. According to Mullins, the benefit of real estate receiverships is that they work with the owners, tenants and property managers to ensure the property doesn’t become neglected and help all parties come to an agreement on the course of action. Receiverships typically last several months, but can extend for more than a year, until the loan is modified or the property is sold.

47-304778

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SATURDAY, NOVEMBER 21, 2009

H&RG Ask dulley

Easy Heating Heat with corn and pellet stoves for convenience and efficiency JAMES DULLEY ASK DULLEY

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ear Jim: I am tired of hauling wood indoors for my fireplace. I saw pellet and corn stoves at my home center store and they sell the pellets there. Are they convenient to use and do they produce much heat efficiently? — Ron H. Dear Ron: The new wood pellet and corn stoves are very convenient and energy efficient to use. I have been heating my home office with various designs of them for the past 12 years. I now use a Paromax Europa corn/pellet stove with battery backup which keeps running during power outages. There is a difference between a corn and a wood pellet stove. Most corn stoves can burn either corn or pellets or a mixture of the two. Pellet stoves generally will effectively burn only wood pellets with perhaps just a little corn mixed in. Wood pellets are made from sawdust from wood mills. Ash content in the hardwood is much less than in corn. Corn also burns much differently than wood and requires different combustion air/fuel ratios and ash removal rates. For a stove to burn either corn or pellets efficiently, it must have sophisticated controls to keep all these combustion factors in balance. The Europa model uses an easy-to-change (by the homeowner) dual-firepot design to be able to burn either fuel efficiently and cleanly. When burning only pellets in my stove, I have to empty the ash pan only about once a week. I do not even

have to put out the fire first. I open the bottom ash door, slide out the ash pan, carry it outdoors and dump it into a galvanized steel garbage can. It makes great fertilizer for my vegetable garden. I actually fire it down about only once per month for cleaning. Even though it may cost a little more initially, select a stove which burns both corn and wood pellets. Sometimes wood pellets can be difficult to find in winter. I usually buy mine early in September, well before I need to heat my house. Corn is usually available. If you plan to burn all corn, make sure it is dried enough for burning. Standard feed corn may have too much moisture. The firepot design in these stoves makes them very efficient and cleanburning. Combustion air is drawn into the firepot and all around the pellets and/or corn kernels. With the high ratio of surface area to weight of the fuel, as compared to firewood, the combustion is very complete. With its high efficiency, little heat is left in the exhaust gases so they can be vented outdoors through a small double-walled metal pipe. The pipe stays cool enough so it will not burn you if you accidentally bump it. This makes it easy and inexpensive to install a stove. With the negative pressure inside the firepot, there never is a smoky odor in the room. Dear Jim: We have a problem with noise coming in from outdoors. We have installed new windows and an insulated fiberglass door which helped, but not enough. Will installing a new storm door make much difference? — Linda S. Dear Linda: In your case, installing a new storm door will likely not do a lot to reduce the outdoor noise transmission. This is because you already have a new primary entrance door which should be very airtight. Check

Above: This wood pellet fireplace insert will burn a mixture up to 50 percent corn. It is EPA certified and produces just 0.7 grams of emission per hour (photo courtesy Travis). Below: This corn stove will produce up to 50,000 Btuh of continuous heat. It includes an outdoor combustion air intake kit which you can install (photo courtesy England's Stove Works).

for other gaps in your house walls which could be sealed. Window drapes may also help. For people who do not have a new front door, installing a tight fitting storm door can reduce the noise transmission. This is usually cheaper than installing a new primary door.

Send inquiries to James Dulley, Loveland Daily Reporter-Herald, 6906 Royalgreen Drive, Cincinnati, OH 45244 or visit www.dulley.com.

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N. Madison Av.

5 piece master baths, walk-in closets, air conditioning, 3 car garages, unfinished basement

US 287

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

45-304490

NEW NORTHERN COLORADO HOMES

3

970-669-8386

Patio Homes

Open 1-4 Tues - Sun

Priced from the 300’s 2 Extraordinary Locations

Harmony Road

Timnath 25

392

Highland Windsor Meadows

Crossroads Blvd.

www.ThePatios.com

Loveland

Thompson Parkway

56

48-304481

8

34 Map not to scale.

Thompson Crossing


HOME and REALTY GUIDE/Reporter-Herald

www.homeandrealtyguide.com

SATURDAY, NOVEMBER 21, 2009

H&RG Home Trends

Value-increasing building trends of the future ED DEL GRANDE HGPRO

Q

uestion: I’m a builder and I never miss a chance to read your column. With the slowdown in construction, I’ve been doing research on new building trends so I can be ahead of the curve once I get back into action. What do you see for the future as far as new trends that builders may want to include in new home construction? — Don, Kentucky Answer: When a new building trend catches on, it usually follows three guidelines: 1) Ease of initial installation; 2) Materials that stay within budget; 3) A good payback for the builder and homeowner. According to those rules, two new homebuilding trends jump out at me: generator-ready homes and waterless urinals. A generator-ready home basically means that the home’s electrical breaker panel is set up by the contractor to accept the additional “transfer switch” and electrical equipment needed to install a standby private generator system. The payback for the contractor? It’s an easily added electrical-panel option that may make the difference in a home sale for the contractor. Payback for the homeowner? Because the special electrical panel is ready to accept the transfer switches and controls, future installation costs for the standby generator system can be cut by a sizable amount. Residential waterless urinals are another new-home trend that can easily be installed in a bathroom. All that’s needed is a small drain line, since water lines are not required. The payback for the contractor? Waterless urinals add “green value” to the home and can be part of a complete water-saving package offered to the buyer. Payback to the homeowner? Thousands of gallons of clean, potable water can be saved per year without changing the homeowner’s lifestyle. These new trends are so cool you

HGTV photo

might want to consider installing them for existing homes, as well. Question: About eight years ago, we bought an old farmhouse that uses well water. Recently we noticed that when we run our water it has a very musty smell and looks cloudy. It will clear up after a while, but comes back again in a few hours. We thought it was the water heater, but I shut off the heater and just ran cold for a day and the same thing happened. Where do we check next? — John, Nebraska Answer: If you ever notice strange odors, colors or tastes, the water quality needs to be checked as soon as possible. You’ll need a licensed well company to test and check the water for impurities. It sounds as though you may be on a shallowtype well system that may be vulnerable to contaminants and critters that may find their way into your water system.

I don’t want to gross anyone out, but strange problems can happen with a private well. Years ago, I had friends living in an old farmhouse, and their water started to “taste funny.” So, they called in the well guy. Turned out that the well was full of snakes, and not all of them were moving. I believe my friends may still be in therapy. Question: Ed, I just moved into an older small house and I have two questions: How can I increase the well water pressure in my home? What should I do to make sure my septic tank is OK so we don’t have trouble down the road? Mark, Florida Answer: If you just moved in, hopefully there was a home inspector and he should have checked things like water pressure and the septic system. I would find out the inspector’s name and ask those questions. Hopefully the inspector

can supply you with the proper information and test results. That way if the water and septic meet local standards you will not have to spend extra money for a second opinion. If not, you can call a licensed well company to test the well and set the pump switch to increase the water pressure. Also, have the company test the water quality. As far as the septic, same deal. Have a septic company determine whether or not you need a pump out so you can start fresh with a newly cleaned out tank. Master Contractor/Plumber Ed Del Grande is known internationally as the author of the book “Ed Del Grande’s House Call” and for hosting TV shows on Scripps Networks and HGTVPro.com. For information, visit eddelgrande.com or write eddelgrande@hgtvpro.com. Always consult local contractors and codes.

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HOME and REALTY GUIDE/Reporter-Herald

SATURDAY, NOVEMBER 21, 2009

www.homeandrealtyguide.com

H&RG In the Garden

It’s not too late to plant trees and shrubs diately with a thorough soaking. Water weekly if there is no rain, throughout the winter if necessary. I recommend that you form a basin around f you thought you had missed your last chance the edge of the root ball to catch rain and irrigation water. Hold off on fertilizing newly installed to plant trees or shrubs in your yard this year, think again. November is still a good month to plants for now, but mulch those new trees and shrubs with two inches of composted leaf mold to install such plants, as the ground has not frozen hold moisture and protect their roots. yet and the air is still warm enough to work outMarginally hardy shrubs and trees, such as side. Almost any kind of tree or shrub will continue to camellia, chindo viburnum (V. awabuki ‘Chindo’), rosemary, yaupon holly, farkleberry (Vaccinium arfare well if planted now. That goes for deciduous boreum) and loropetalum, might need your help and hardy broadleaf evergreen plants, as well as spruces, pines and most other conifers. The key to to make it through winter. Mulch and burlap wraps the winter survival of any new plantings, of course, work well. Mulch, in the form of leaf mold or other compost, will provide some protection. Locations is proper installation. Begin by preparing the soil where you plan to in- that shield plants from drying winds and cold temperatures can work well for camellias. stall the tree or shrub. Till a good-sized area, at least two to three times the width of the root ball, Most shrubs should not be pruned for shape then mix in one part compost with two parts nanow. Doing so can stimulate new growth and make tive soil. plants more susceptible to winter damage. HowevNext, dig a hole for the new plant. For a mature er, pruning taller trees is a common winter job. tree — two-inch or larger trunk — make the hole Remove side branches on the main trunk to raise as deep as the size of the root ball. As the tree or the tree’s canopy to at least six to eight feet above shrub is planted, it should be set on undisturbed the ground. That way you can see understory or tamped soil in the hole so its doesn’t sink later. plantings and structures. Other necessary pruning Be careful not to make the hole too deep; the practices are removing deadwood and cleaning out plant’s “root flare,” where the trunk meets the inside and crossing branches and suckers. Prune roots, should sit a few inches above the soil line. no more than 25 percent of growth. Don’t cut the Of course, as you put the plant in place, its trunk should be perpendicular to the horizon and the most attractive side of the plant should face the direction in which it is most likely to be seen. Before covering the roots of your new plant, you should cut away as much of its burlap wrapper as possible. It’s unwise to remove this covering before planting because the root ball may not be sufficiently stable. But leaving all of the burlap in place can pose a risk to the future health of your new plant. That’s because much of the burlap in use today has plastic fiber woven into its fabric, which makes it hard for growing roots to expand into the surrounding soil. If your new tree or shrub came with the roots secured by wire mesh, bend that wire down under the soil surface and cut through as much burlap as possible. Leave wire baskets on root balls for stability. As these plants grow, baskets will rust. Once the plant is in place and the roots have been freed from their packaging, it’s time to fill the hole with soil mix. Remember to tamp the earth firmly. Don’t pile too much soil or mulch around the base of the tree. Doing so can rot bark, increase susceptibility to disease and insects, and interrupt nutrient circulation. The root flare should remain exposed. Except for trees with deep taproots, even the largest grow, absorb nutrients and are anchored in only the top two feet of soil. Newly installed plants should be watered imme-

JOEL M. LERNER THE WASHINGTON POST

I

branch collar, a slightly wider area at the base of the branch. Wounds heal faster when this collar is left uncut. Trim away higher branches with a pole pruner. Never use a chainsaw while standing on a ladder. Work that requires climbing should be left to professionals. Some shrubs I recommend pruning between November and the end of January are butterfly bush (Buddleia davidii) to control seeds, caryopteris when it loses its silver-gray appearance, St. Johns wort when leaves turn brown, and purple beautyberry when its berries are gone or have lost their color. One final note on tree planting, which brings us back to the importance of site preparation discussed at the beginning of the column: I’m often asked what can be done about roots that run across lawns and cause people to trip. The primary cause for this problem is inadequate site preparation at planting time. Roots grow toward the surface because that’s the only place they can find a moist, aerated, well-drained environment. Preparing properly when planting is the only way to avoid this unpleasant outcome. Lerner is president of Environmental Design in Capitol View Park, Md., and author of “Anyone Can Landscape”(Ball 2001). Contact him through his Web site, www.gardenlerner.com.


HOME and REALTY GUIDE/Reporter-Herald

www.homeandrealtyguide.com

SATURDAY, NOVEMBER 21, 2009

11

H&RG REal Estate Transactions ternut Dr, Loveland, $107,300, home • Richard Bolen from Loveland City Housing Aut, 1540 E 5th St, Loveland, $250,000, home • Richard Bolen from Loveland City Housing Aut, 1416 E 6th St, Loveland, $250,000, home • Anne Brisnehan from Collin C Mcdowell, 357 Blue Azurite Ave, Loveland, $230,000, home • Keely Kuhl from New York Mellon Bank, 1520 Cleveland Ave, Loveland, $112,500, home • John & Charlyne Irsik from Daren K Bunn, 609 Flint Ave, Loveland, $235,500, home • Brandon Finke from Capfinancial Properties C, 5047 Georgetown Dr, Loveland, $357,000, home • Robert Revoc from Kathryn M Carmicheal, 2354 Austin Ave, Loveland, $179,000, home • Edward & Yolanda Connelly from Hoyle W & Frances J Dugge, 1480 W Us Highway 34, Loveland, $215,000, home • Lance & Lisa Nelson from Gregory L & Jeanne M Kent, 1983 Tincup Dr, Loveland, $330,000, home • Shelly & Guy Barrow from Richard R & Kimberley L L, 577

pher M Cole, 1426 St Moritz Trl, Estes Park, $349,000, home • Lloyd & Judith Mclaughlin from Jo Anne Rohrbacher, 1170 Fairway Club Cir Unit 2, Estes Park, $357,000, condo • George & Rosemary Coryell from Robert P & Martha A Cox, 1880 Sketch Box Ln Unit 6, Estes Park, $312,500, condo • Kerry & Judith Sublette from Dale G & Ann L Monroe, 1941 Baldpate Ct, Estes Park, $350,000, home • Kalosphere LLC from Robin J Serafini Living T, 1492 Creekside Ct, Estes Park, $407,000, home • David & Cynthia Thomas from Joyce D Watson, 1250 S Saint Estes Park Vrain Ave Unit • Peter & W 12, Estes Park, Rell from Christo- $207,000, condo

Clubhouse Dr, Loveland, $270,000, home • Donald & Peggy Kincaid from Loveland City Housing Aut, 2206 Empire Ave, Loveland, $139,000, home • Michelle Hersh from Loveland City Housing Aut, 126 Blossom Dr, Loveland, $140,000, home • Robin Trust from Talons Reach Bldrs LLC, 2716 W 46th St, Loveland, $141,900, home • Brandy Renee from Zodiac Construction LLC, 2588 Pyrite Ct, Loveland, $168,000, home • John & Mindy Gebhardt from Morgan Stanley Abs Capita, 4118 Foothills Dr, Loveland, $179,000, home

Johnstown Milliken

Dr, Windsor, $252,000, home • Bobby & • Darlene Alvis • Amy Junick Sharon Rowland from Gibraltar Infrom Adam J from Patrick L vestors 2007, Sater, 951 Emer5054 Ridgewood Onorato, 621 ald Dr, Windsor, Traildust Dr, MilDr, Johnstown, $172,500, home liken, $194,200, $253,000, home • James & Con• Andrew Funk home nie Lunn from • Jason & Amfrom Oakwood Brad & Candace Homes LLC, 3943 ber Meyer from Rodney Box, 631 M Strong, 9877 Cedarwood Ln, S Rachel Ave, Mil- State Highway Johnstown, 392, Windsor, liken, $155,000, $185,600, home $238,000, home home • Kimberlee • Stephen & • Christopher & Calaway from Sherrolyn Elmore Oakwood Homes Megan Mayhue from Gmac MortLLC, 3907 Beech- from Iwr LLC, gage LLC, 2107 295 S Tamera wood Ln, JohnRiver West Dr, stown, $193,000, Ave, Milliken, Windsor, $173,500, home home $262,900, home • Shawn Eggle• Nicole Shanks • Matthew & ston from Donald Sarah Gebhardt from Oakwood Homes LLC, 3901 Morris, 209 S from New Frontier Norma Ave, MilBeechwood Ln, Bank, 8747 Longs liken, $124,700, Johnstown, Peak Cir, Windsor, home)$e $175,000, home $380,000, home • Andrew Mar• Ahmad Shitin from Loveland Windsor habi from SignaBk Commerce, • John & There- ture Bank, 2047 27132 Coyote sa Martinez from Kaplan Ct, WindRidge Ln, JohnJorge A & Ramon sor, $475,000, stown, $415,000, G Guerrer, 307 home home Granite Ct, Wind• Patrick & sor, $160,000, • John & Kimberlee Davey home Kristyn Reierson from Richard & from Mile High • Trudie Heather Wages, Bk, 421 Heritage Wildasin from Je- 8795 Longs Peak Ln, Johnstown, na Homes Inc, Cir, Windsor, 1670 Platte River $475,000, home $185,000, home

Professional Spotlight $6500 For Existing Homeowners The $8000 tax credit for first first time homebuyers has been extended and a $6500 tax credit added for existing homeowners. If you are a first first time homebuyer or know someone who is renting or in the market to buy, these are huge benefits. benefits. Stipulations, qualifications qualifications and restrictions apply. Call Debbie for: • Our online pre-qualification pre-qualification worksheet • Web based live pricing • In house processing, underwriting and funding • Fast and accurate loan approvals Debbie has been a mortgage lender for the last 12 years and is proud to call Colorado home. Debbie believes that your mortgage should work for you and not be just another debt. The way you finance finance your home can make a huge impact on how you manage your additional investments and retirement. Whether you are a first first time homebuyer, building a vacation home, planning for a reverse mortgage or need to refinance refinance an existing home, Debbie’s expertise and passion for her business will ensure a great experience! Offers of credit are subject to credit approval.

Debbie Mathews Senior Residential Mortgage Lender www.TheMathewsTeam.com

970.619.3365

1450 N. Boyd Lake Avenue • Loveland, CO 80538

47-306768

from Brian M Schumm, 4114 Alder Ct, Loveland, $188,500, home • Darrell Edwards from Talons Reach Builders LLC, 2751 W 46th St, LoveLoveland • April Ekstrom land, $164,900, from Harvey D & home • Michelle CanDorothy C Brew, non from William 2510 Pyrite Ct, Tyler & Sharon Loveland, Ka, 3733 Lincoln $210,000, home • Mark Colhour Ct, Loveland, $176,500, home from Robert L & • Sharon Marks Donna M Colhou, 737 Monterey Ct, from James E Tregear, 842 Loveland, Garfield Ave, $287,000, home Loveland, • Sally Stroh from Custom On- $175,000, home • Darryl Carden site Inc, 1747 Muddy Creek Dr, from David M & Janet Trujillo, 864 Loveland, E 7th St, Love$305,000, home land, $170,000, • Brian home Schumm from • Mary Thacker Chris King, 5707 from Bonnie Snow Mesa Ct, Hicks Yelek, 9548 Loveland, W County Road $142,900, home 18e, Loveland, • Gabriel & $140,000, home Candice Brown • Harmon & from Alan W & Laurie Anderson Barbara L Lloyd, from Cache Bank 1911 Leila Dr, Trust, 4819 TarLoveland, ragon Dr, Love$185,500, home • James Seeton land, $350,000, from Douglas E & home • Chaslyn FosCathy R Markl, 7680 Weld Coun- ter from Walter H ty Road 74, Wind- & Rozella A Carl, 2240 Derby Hill sor, $440,000, Dr, Loveland, home $156,500, home • Clair Young • Brendon Olmfrom R Dale stead from Helen Adams Trust, R Fagan Family 1100 N Taft Hill Trus, 1015 W 7th Ave Unit 50, St, Loveland, Loveland, $149,000, condo $179,000, home • Bohi Inc from • Julie Phillips Ivan J Hoefer, from Stephen J 2102 Golden ValRussell, 4109 ley Rd, Loveland, Georgetown Dr, $512,000, home Loveland, $185,000, home • Kenneth Kar• Michael & row from Diane M Peggy Campbell Karrow, 3126 But-

47-303831

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


HOME and REALTY GUIDE/Reporter-Herald

SATURDAY, NOVEMBER 21, 2009

www.homeandrealtyguide.com

OPENHOUSE . DIRECTORY

47-299429

12

WWW.HOMEANDREALTYGUIDE.COM •CLICK ON

OPEN HOUSE MAPS sunday, NOVEMBER 22

saturday, NOVEMBER 21 PRICE

LOCATION

ADDRESS

HRS

OFFICE

PHONE

$142,900 GREELEY

3309 W 13TH ST

1-3

CENTURY 21

663-2400

$156,900* NW LOVELAND

43RD & WILSON AVE THE COTTAGES AT ENCHANTMENT RIDGE

12-5

THE COTTAGE REALTY 532-5900

$165,000 SW LOVELAND

3418 N COLORADO

1-3

THE GROUP, INC.

PRICE

LOCATION

ADDRESS

HRS

OFFICE

$156,900* NW LOVELAND

43RD & WILSON AVE THE COTTAGES AT ENCHANTMENT RIDGE

12-5

THE COTTAGE REALTY 532-5900

$168,000* NW LOVELAND

43RD & WILSON AVE THE COTTAGES AT ENCHANTMENT RIDGE

12-5

THE COTTAGE REALTY 532-5900

$169,900* NW LOVELAND

3349 HEWITT ST

12-5

THE COTTAGE REALTY 532-5900

222-5102

PHONE

$165,000 SW LOVELAND

151 BLOSSOM DR

1-3

PRUDENTIAL ROCKY MT 215-4771 REALTORS

$168,000* NW LOVELAND

43RD & WILSON AVE THE COTTAGES AT ENCHANTMENT RIDGE

12-5

THE COTTAGE REALTY 532-5900

$169,900* NW LOVELAND

3349 HEWITT ST

12-5

THE COTTAGE REALTY 532-5900

$184,000* NW LOVELAND

3399 FOSTER PLACE

12-5

THE COTTAGE REALTY 532-5900

$178,000 NW LOVELAND

3314 LOGAN AVE

1-3

PRUDENTIAL ROCKY MT 215-4771 REALTORS

$190,900* NW LOVELAND

3427 FOSTER PLACE

12-5

THE COTTAGE REALTY 532-5900

$184,000* NW LOVELAND

3399 FOSTER PLACE

12-5

THE COTTAGE REALTY 532-5900

$190,900* NW LOVELAND

3427 FOSTER PLACE

12-5

THE COTTAGE REALTY 532-5900

$199,000

SE LOVELAND

162 BRASS

1-3

RE/MAX ALLIANCE

217-7977

$199,000 SE LOVELAND

193 COBALT

1-3

RE/MAX ALLIANCE

622-1809

$199,000

SE LOVELAND

193 COBALT

1-3

RE/MAX ALLIANCE

217-7977

$199,000 SE LOVELAND

162 BRASS

1-3

RE/MAX ALLIANCE

622-1809

$220,000 FORT COLLINS

2208 SUMMERPARK LN

1-4

THE COTTAGE REALTY 227-3893

$227,900

NW LOVELAND

4496 HAYLER AVE

12-5

THE COTTAGE REALTY 532-5900

$224,500 SW LOVELAND

496 MESA DR

1-3

CENTURY 21

$250,000

SW LOVELAND

4104 REDBIRD PLACE

1-3

THE GROUP, INC.

$227,900 NW LOVELAND

4496 HAYLER AVE

12-5

THE COTTAGE REALTY 532-5900

$250,000 SW LOVELAND

4104 REDBIRD PLACE

1-3

THE GROUP, INC.

$259,700

NW LOVELAND

4493 HAYLER AVE

12-5

THE COTTAGE REALTY 532-5900

$259,700 NW LOVELAND

4493 HAYLER AVE

12-5

THE COTTAGE REALTY 532-5900

$279,000

NW LOVELAND

5210 RANGELAND AVE

1-3

THE GROUP, INC.

227-0964

$279,000 NW LOVELAND

5210 RANGELAND AVE

1-3

THE GROUP, INC.

227-0964

$295,000 NW LOVELAND

2938 GLENDEVEY DR

1-3

THE GROUP, INC.

481-2692

$295,000

NW LOVELAND

2938 GLENDEVEY DR

1-3

THE GROUP, INC.

481-2692

$340,000 WINDSOR

5301 MOONLIGHT BAY DR

1-3

THE GROUP, INC.

310-8804

$485,000 SW LOVELAND

5278 DEER MEADOW

1-4

RE/MAX ALLIANCE

402-9100

$485,000

SW LOVELAND

5278 DEER MEADOW

1-4

RE/MAX ALLIANCE

402-9100

$559,000 SW LOVELAND

6233 JORDAN DR

1-3

THE GROUP, INC.

391-4735

$895,000

SW LOVELAND

288 RESERVOIR

1-4

PREMIER LIFESTYLES 481-5512

$895,000 SW LOVELAND

288 RESERVOIR

1-4

PREMIER LIFESTYLES 481-5512

663-2400

631-2257

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

631-2257

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.


HOME and REALTY GUIDE/Reporter-Herald

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H&RG Right at Home

Back to the

Basics Nurseries simplify and encourage active imagination again KIM COOK ASSOCIATED PRESS

O

nce upon a time, the ideal for a child’s room was a cozy haven filled with sturdy push-pull toys, handmade dolls and a few baskets of dress-up clothes. That was before batteries, computer programs for toddlers and the array of stuff that talks, squawks, jangles and jolts in little hands. Some modern parents want to lower the volume on tech toys and on children’s environment as a whole. Amanda Heravi, of Larchmont, N.Y., said her toddler, Jake, and his new sister, Lilia, should drive the play experience. “Wooden puzzles, trains, blocks — whatever sounds Jake thinks should accompany the toy, I love to hear,” she said. “Then I can tell that he’s really using his imagination.” Not surprisingly, many of the designers and retailers responding to this trend are parents themselves. When Atlanta couple Jim and Erica Lancaster had their first child 14 years ago, “our house began to fill with plastic and electronic toys which neither suited us nor the environment we wanted for our kids,” Jim said. Erica, who had worked on The Nature Company’s toy development team, envisioned a collection that updated familiar classics; Jack Rabbit Creations was born. Their jack-in-theboxes feature characters like Fifi the poodle and Spots the bunny; there are knitted toys, big fleecy jingle balls and old fashioned tin lunchboxes. Melissa and Doug Bernstein have built a toy empire in Wilton, Conn., around that sentiment. Parents stock up on “Melissa and Doug” peg pounders, sorters, blocks and pup-

pets toys that could have been found in a child’s room half a century ago. “We’re experiencing dramatic age compression — children aren’t children for as many years any more,” Melissa Bernstein said. “Five year olds are receiving iPods as gifts, and 3year-olds are playing video games. Imagination and the ability to innovate come when the brain can engage in open-ended creativity.” In this intense, strife-ridden world, she believes, many parents are eager to provide their kids with “real, simple, enriching play.” Lisa Lowe of Long Beach, Calif., puts out the SugarBooger collection, which includes closet dividers in themes like Nursery Rhyme and Campground, complete with sticker sets to help organize. Her Yummy Kitchen and Gingham melamine tray sets are charming, as is the beechwood kitty rattle. Some technology, of course, suits parents fine. Californians Heather Hamda and Linda Suh of Cloud B studio developed a collection I See Basics/Page 14

Right, the ToysRus Little Boutique wall decal of a tree. Top, a Melissa & Doug Slice and Bake Cookie set. The set includes includes twelve wooden, sliceable cookies and eighteen toppings, wooden knife, spatula, cookie sheet and a kitchen mitt for safe, low-calorie play. The cookies store in a durable dough tube. AP photos

SATURDAY, NOVEMBER 21, 2009

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HOME and REALTY GUIDE/Reporter-Herald

SATURDAY, NOVEMBER 21, 2009

www.homeandrealtyguide.com

Basics From Page 13

of plush toys, some with nightlights, to soothe restless babies. Gentle sounds like rain and whale song emanate from the soft bodies of giraffes, dolphins and sheep; you can set the sounds on a timer. Turtles and ladybugs project a starry sky on the ceiling, and a Labrador retriever smells like soothing lavender. The line has been popular among Hollywood celebrities. Nora Neiterman, a New York-based textile artist, creates juvenile designs for retailers like Target, and likes her own children’s rooms “to be an extension of our overall home decor.” Her color palette runs to “white, soft green and accents of vegetable colors.” ToysRUs has launched a line of nursery decor called Little Boutique. Vintage-style switchplates, frames, wall art and storage are attractively priced, and a leafy tree decal is simple yet chic. “We connect with the past when we share it with our children,” said Deanna Campbell, who runs www.myretrobaby.com, offering toys and decor that evoke a range of bygone decades. “In a fast-paced world, that’s calming.” SOURCEBOOK: • www.cloudb.com — Sleep Sheep, Twilight Turtle, Lavender Lab, $21-$34 each; discount for multiples • www.myretrobaby.com — tin pails, clocks and toys with themes like Barnyard, Space, Ballerina and Western. Cool reproduction pedal cars and airplanes, too. • www.sugarbooger.net — Beechwood kitty rattle, $17; closet dividers; Melamine Tray set • www.melissaanddoug.com — wood tool kit, $12.99; nesting blocks, $19.99; rocking horse, $99.99; bear family puzzle, $14.99; cookie making set, $19.99 • www.jackrabbitcreations.com — jack in the boxes, knitted toys, retro lunch boxes, about $15-$32; check Web site for retailers • www.toysrus.com — Little Boutique switchplates, picture frames, wall art, $12.99-$29.99

Photos clockwise: A Melissa & Doug Take-Along Tool kit. The 24 wooden pieces including tools, nails, screws, nuts and bolts provide hours of creative, constructive fun. Preschoolers will love using the hammer and screwdriver to build their projects; Jackrabbit Creations’ Jumbo Chiming Roly Poly fleece balls; Jackrabbit Creations’ "Fifi The Poodle" jack-inthe-box; Jackrabbit Creations’ Monkey Mania tin lunch box and a My Retro Baby Wall Clock with vintage giclee on cotton barnyard graphic. AP Photos


HOME and REALTY GUIDE/Reporter-Herald

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Apartments/ Apartments/ Duplexes 4060 Houses Unfurnished 4030 Unfurnished 4030 2 Bdrm, 1.5 ba 1402 3 BD, 2 BA

Apartments/ Furnished 4010 Studio Apt. for rent, close to downtown. utilities pd. $475/mo 970-663-6414

Apartments/ Unfurnished 4030 1, 2, 3 & 4 BDRM Homes & APTS., Pets OK. Ft. Collins/Loveland Area.

970-669-5402 1 rm, Studio+ Vintage apts 0 utils! On-site mgmt. W/D, DirecTV $333-590 219-8162 Newly Remodeled. 1 BDRM, util´s pd. No pets. 122 E. 4th #5. $575/mo. FPI 970-663-4664 1 Bdrm, 713 Garfield, $395/ mo. Main level, new linoleum. RMPM 970-669-0842 1 BDRM, no pets. 6 mos. lease. $480/mo. incl. heat & water. Quiet. 970-613-1543 or see manager at 824 N. Garfield, Apt F. 1 & 2 BDRM, quiet, near HP. LOVELAND´S BEST FOR THE MONEY Garage with storage, A/C. Coin-op. $505 & $555. No pets. Call 970-669-3826.

Capulin, $795/mo. fam. rm 2 BDRM, 1 BATHbig yardRMPM 970-669-0842 Quiet area near lake & park. New laminate floors S Cent Loveland. 2 BDRM, 2 BDRM, 1BA, all applc, in kitchen, has all appli- 1 ba. Coin-op lndry. Fresh wtr pd, fncd yd, 1 car. ances, new countertops, paint, no pets. $575/mo. $725/mo w/ year lease. sink & faucets, large bdrms 970-213-1633 www.hmre.net 959 No Colorado. w/ceiling to floor closets, 970-667-3072 or 970-290-2282 bath has new tile in tub area & floor. No smk, pets 2 bdrm, 2 ba, 2 car, vaulted okay. Call (970)226-6322 w/ unfin. bsmnt, near BallBlair Schools, pets nego. 2 bdrm apts: $595-$625+ $795, 970-635-9488 dep. Clean, fresh paint, sm pets neg. Lvlnd 970-308-4096 1800 SF. Auto, auto paint, 2 Bdrm, 3526 Butternut, furniture stripping, weld$525/mo. 2 story, patio, ing, etc need not apply. 502 Call RMPM 970-669-0842 2 BDRM. Berthoud, $525+ 2nd Street, Unit 3, Berthoud $250 dep. Util´s incl. 2 BDRM, A/C, hkps, Wtr 970-221-0997 No pets/smk. 970-669-6646 pd. $650/mo. Lvld. No dogs. 303-442-7230/970-988-4465 2 BDRM in 4 plex. Heat 1800 SF. Auto, auto paint, paid! Walk-in closets. $595/ furniture stripping, weld- 2 bdrm, frplc, wd hkup, mo. 3644 Butternut Dr. ing, etc need not apply. 502 cov. patio, fncd, sprklr, 970-669-4752 or 970-667-7900 2nd Street, Unit 3, Berthoud oversized 1 car gar. $775 + util + dep. No pets/smk. 970-221-0997 At Last, A Quiet, Loveland (970)663-2438 Roomy Apartment! 3br/2ba, $895/month, 3840 sqft, storage ware- 3 Bdrm, 1032 Lavender, Beautifully Renovated, house or light Mfg. OHD. $895/mo. A/C 2 car gar. New Carpet & Appliances, $2000/mo. 2003 W. 8th. Nice! RMPM 970-669-0842 large windows, 970-667-3599 or 481-9190. Near shopping, 3 Bdrm, 1303 Nickel Dr, huge move-in specials! $695/mo. fin bsmnt. 970.667.1644 or Call RMPM 970-669-0842 www.lakemontplace.com 3 bdrm, 1.5 ba, 1200 SF, new LUXURIOUS UPSCALE carpet/paint Lvlnd, $850 + APARTMENTS dep + utils, 303-772-7390 STUDIO, 1, 2, & 3 BED- 2 bdrm, 1.5 ba, 2 stry, Very ROOMS. Pool, hot tub, 24 Nice, by park, hdwd Pet? 3 BDRM, frplc, 1 car gar, hr. fitness center, business No smk $750 970-227-7026 No pets/smoking. Across center, coffee shop, salon. from park. $750 + deposit. OPEN HOUSE, Mon-Fri 2 BDRM. 1.5 ba, frplc, A/C, Call, (970)667-8698 gar, bsmt. No smk/pets. 9am-6pm, Sat. 10am-5pm. $795/mo. (970)667-9251 325 E. 5th St., Loveland. 1-888-822-9346 UTILITIES INCLUDED 2 BDRM, 1 bath w/carport. 2 BDRM, 1.5 ba Townhome, Close to downtown. Extra W/D hkps, storage space. room for storage. New Apartment Community with spacious, clean 2 & 3 Covered prkg. Clean, No kitchen. Lower level. No pets. $695/mo. 970-213-1633 smoking, no pets. 1st month bdrm units avail. W/D plus one month deposit. www.hmre.net hkps, frplc´s, covered References required. $575. patios. $595-$695/mo. Pete (970)532-5534. Ask about Move-In Special! 2 Bdrm, 345 Ramsey, $1095/ Call Today! 970-213-1633 mo. frplc, 2 car. Many upwww.hmre.net grades! RMPM 970-669-0842

1st Month RENT FREE SUPER CLEAN Berthoud Townhomes 1602 4th Street ✭ 2 Bdrm avail now- $695 E Loveland. 2 BDRM, 1 ba, ✭ 1 Bdrm avail 11/10- $575 1 car gar. W/D hkps. $650/ mo.+elect/trash. No pets. MUST SEE! 970-213-1633 www.hmre.net No Pets. Non-Smoking. Close to I-25, Hwy 60 & 287. Sherry, (970)222-0502. HAMILTON PARK APTS. 1406 N. 4th St., Berthoud. 2 & 3 BDRM, cent. loc. New Offers 1 bdrm for people 62 carpet/paint. Fncd yd, no or older or disabled, with or pets. Ht/Wtr pd! 308-7387 without children. Rent based on income. Now accepting applications 2 BDRM, 1 1/2 ba, no pets. EHOP. 970-532-3725 or TDD W/D incl. 174 E. 42nd St. 800-659-2656 $675/mo. FPI 970-663-4664 2 bdrm, 1607 Empire, $495/ mo. new carpet, linoleum, paint, RMPM 970-669-0842

Commercial Industrial 4040

Condos/ Townhouses 4050

Garages/Storage Spaces 4070

55+, 3 Bdrm, 2 ba, A/C, patio, 2 car, tenant pays utils, no pets, $925/mo. 970-213-1633 www.hmre.net

INDOOR GARAGE STORAGE 20x40, 20x50. I-25 & Hwy-66. 970-535- 6074

STORAGE 20 x 40 with 14´ overhead door. Centerra 2 bdrm, 2 ba, AC, frplc, balcony on greenbelt. $325/mo. Call (970)481-5899 Garage. $975(970)669-0138 FURNISHED, SHORT TERM RENTAL Unlock door, unpack your suitcase. Full furn exec condo at Centerra. Incl kit. Lux 3 bdrm, study, 2 ba, utils pd. Monthly or lease. (970)663-3820

L´Abri Apt´s. SW Loveland. 2 BDRM, 1 ba, 2nd flr, nice, 2 BDRM, 1 ba, coin-op, wall near stores, heat/H2O pd, A/C, 1 car gar, no pets. N Loveland. 3 BDRM, 1.5 Upper level. $595/mo. ba, fin. bsmnt. W/D hkps. no smk, $535. 970-227-7026 970-213-1633 www.hmre.net Wtr/Sewer pd! $750/mo. 970-213-1633 www.hmre.net Lrg 2 BDRM, 1 ba, shared 2 car gar. No pets. 1302 E 16th St. #4 $550/mo.FPI LOVELAND ♦ Studio Apts, $350/mo. 2 bdrm, 1 ba, 970-663-4664 $550/mo. 2 wks rent free! 2 BDRM, 1 BATH- heat & ESTES PARK ♦ 1224, 1260, water pd. Storage, lighted 1262 Graves Ave, 2 bdrm, 1 ba, $750. 1st Choice 2 Bdrm, 1083 Winona, off st. prkg. $575/mo. No Realtors, 970-669-9696 $695/mo. Fncd yd, pets pets/smk. (970)667-0365 nego. RMPM 970-669-0842 Lrg 1 BDRM, no pets. $525/ mo. 1707 N Cheyenne Ave. 2 Bdrm, 1215 Redwood, 2 BDRM APT #5. FPI 970-663-4664 $650/mo. unf. bsmt, newer off Taft. New: carpet RMPM 970-669-0842 paint, carpet & CLASSIFIED ADS vinyl & all new 2 BDRM, 1 3/4 ba, A/C, 2 GET RESULTS appliances. car gar, frplc, 1408 W. 6th Fast, very fast! Call (303)907-7446 St. $995/mo. Falcon Prop 635-3650 to place your 970-663-4664 ad today!

Duplexes

4060

Houses

4080

4080 Houses

1089 Banyan, ranch A/C, fenced yard backs to park, 2 car, N/S, pets nego., Loveland $1095 Call Dave 970-484-1313. Avail 11/15. 3 bdrm + 2 ba, SW Loveland. 1500 sq ft ranch 2 car, unfin bsmnt, lg fncd yd. $1200. 970-377-8082 6300 Clayton St 3 bdrm, 2.5 ba., Fredrick $1400 Angelo Enterprises (303)775-0429 2807 N. Empire Ave. 3 bdrm + loft, 2 car gar, fenced yard, great clean house! $1450/month, $1200 dep. Call Kirk (303)913-4585 Close to I25. 1009 King Dr. 3 BDRM, 2 ba. New carpet/ tile flr. Gar, lrg yd, A/C, patio. Rent/Dep. $1450. Faith Property 970-377-1626

SATURDAY, NOVEMBER 21, 2009

15

4080 Roommates Loveland 5110 Wanted 4120 SAVE THOUSANDS

✔✔✔✔

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.

1 BDRM AVAILABLE in a 3 bdrm, 2 bath home in Longmont. Avail now. $450/month inclu utils. 303-956-0326 HUGE bdrm/ba/gar, custom house. W/D, quiet. No smk/pets. $450. 970-663-5944

WHY RENT???

Mobile/ Manufactured Homes/ Spaces 5130 * Everyone´s Approved! * Bad credit OK on our OWN. CARRY Mobile homes. Over 50 Dbl. & Sing. wides. Biggest Sale Ever!! We´re buying too! 970-222-1473 970-690-2725 or 970-690-3283

Get $8000 for buying 0 Down/0 Closing Call for details Ken or Tammy 970-663-5008

Mobile Homes/ Spaces 4090

3 BDRM, 1.75 BA 2 car gar, ✭ 2 BEDROOM Home ✭ fncd yd, NO PETS. $575+dep. W. Hwy 34. Pets $1000/mo. 562 So Edinburgh on approval 970-690-9049 Tom (970)679-8567.

List your home with NOCO HOUSES NoCoHouses.com 970-214-9922

Unlike Anything Else! The E Home by Clayton Homes 970-339-5500

Loveland

5110

WILL FINANCE remodeled 2 bd $7800 Lvld 3 BDRM, mobile home, No 4 CAR, 3 BDRM, 2 ba, new 970-302-0181 or 970-290-4354. 3 BDRM, Converted MH, smk/pets, Berthoud, gas/ ranch. A/C, $259,700. 129 D S. Monroe. $650/$650. wtr paid. $890 303-717-6452 Cottage Realty 970-532-5900. Pet nego. 303-659-7471

Real Estate Wanted 5170

Owner will Finance

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3 BDRM, 1 ba ranch. W/D, lrg fncd yd. SW Loveland. Clean! No Pets $995/mo. 970-213-1633 www.hmre.net 3 BDRM, 2.5 BA, 2 car gar, like new, sweet neigborhood, 3718 Jefferson. $1190 no smkg, 970-481-6700 3 BDRM, 2 BA, 2 car, like new, backs to greenbelt. No pets/smoking. $995 Cottage Realty 970-532-2695. 3 bdrm, 2 ba, no smk, sm. pets ok, $850/mo + $850 dep. Longmont 970-663-5726 3 bdrm + study, 1.75 ba, lrg htd 2 car gar, A/C, sprklr, storage shed. No pets/smk. $1025/mo. 2102 S. Custer Ave. 970-663-6811 4 Bdrm, 1110 SE 2nd, $875/mo. W/D hkups, patio, Call RMPM 970-669-0842 4 bdrm, 1.5 ba, fin bsmnt, gar, Southmoor Pk. N/S/P. $1250. 303-803-6790

2, 3, 4 bdrm from $600-795 LOT INCLUDED! Low downpayment & Easy Credit. Qualifies for Tax Credit. Cash sale Discounts! Great Communities, Locations & Staff! Harmony Road 2500 Harmony Rd Pleasant Grove 517 E Trilby Rd

CALL NOW! 970-420-8488 www.aboutarc.com

Office Space 4100 Mountain Ave. Commercial/Retail $500/mo 970-532-2652. OFFICE, RETAIL, INDUSTRIAL. UTIL´S INCL. 970-667-3338

A picture is worth a thousand words

We Buy Houses CASH! Need to sell fast? Free Report avoidforeclosurenoco.com 970-214-9922

Try a classified picture ad! Call for details

970-635-3650 EXTRA CASH? Haven´t Owned a home in 3 years $8000 Owned a home for 5 years $6500 Find out more Ken or Tammy 970-663-5008

OPEN HOUSE Sat & Sun 1-4pm 3106 N. Franklin Ave. 5 BDRM, 2 ba, 2600 sqft. 1 car gar, new landscape w/sprklr sys. Quiet neighborhood, great for children. 1 yr. Home Warranty incl. Many upgrades. Was asking $189,000, now $174,900. 970-980-9482

Classified ads get results.

The Reporter-Herald Classified Service Direcory can help your business grow! Your advertising messagewill be delivered to over 40,00 potential customers every day. Put classified to work for you...place your business service directory ad today!For mor information call 635-3650.

FIND YOUR DREAM HOME in the classified columns. That’s where you’ll find a complete listing of the best the area has to offer. Call 635-3650

4 BDRM, 2 BA, 2 car gar, 1702 LONGS PEAK, fncd yd, 1667 Saulsbury Ct. Longmont, 2 bdrm, 1 ba, $1095/mo. No pets. hw flr, fncd yd, near golf 970-667-2571 crs, $950/mo. 303-641-4767 4 bdrm, 3.5 ba, 568 Mesa, $1195/mo. deck, fin bsmnt 2 BDRM, 1 ba, bi-level. 3 RMPM 970-669-0842 Bonus rooms, 2 car attach., W/D provided. $995/mo. 4 bdrm, 3 ba, 3 car., extra 970-213-1633 www.hmre.net no smk, pets OK., $1350/ mo.(970)481-2717. 2 BDRM Triplex, Johnstown. 1 ba, 1 car gar, appl´s incl. DW. No smk/ dogs. $595/mo. + $595 dep. 970-221-7367 345 SE 3rd St. Close to Downtown, 2 bdrm, 1 ba, carport, Tuff shed, pets ok $450 dep. $675/mo. Avail now. (970)227-7676 3 BDRM, 1 ba, 2 car, quiet location. No pets/smk. 624 McKinley. $875/mo. (970)219-4133

5 BDRM, 3.5 BATH, NW LOVELAND- A/C, 2 car gar. Pets nego. $1350/ month + dep. (970)667-3641 5 BDRM, 3 ba, 2 acres. Breathtaking views! No smk. Pet neg. Loveland foothills. $1395. http:// viamonte.info (970)532-2219 Custom 5 BDRM, 3 ba, 2 car. A/C, Wood flrs, granite, frplc, deck, fncd, sprklr. $1500/mo+ utils. No pet/smk. 1071 Centennial Dr. Loveland. (970)481-0646

www.reporterherald.com/MarketPlace


HOME and REALTY GUIDE/Reporter-Herald

SATURDAY, NOVEMBER 21, 2009

www.homeandrealtyguide.com

970-613-0700 www.thegroupinc.com 970-663-0700 COMPLETELY UPGRADED & REMODELED

ABSOLUTELY CHARMING BUNGALOW

5401 Stone Creek Circle Loveland, CO 80538 1401 W. 29th St. Loveland, CO 80538 New Listing New Construction Featured Property

108 Main Street, Windsor

2030 Bronson Street, Fort Collins

2030 Salida Court, Loveland

1417 Antero, Loveland

Absolutely charming old town bungalow. Updated and well maintained. Very open with hardwood floors. Great kitchen with walk-in pantry. Large bedrooms. Great yard with sprinkler system. One block from Windsor Lake. Enjoy shopping and dining in old town. Great house - great price.

N New carpet, new ceramic tile, and new iinterior paint throughout home. Great ccondition home with oversized garage, large ddeck, mature landscaping, room for RV/boat, aand no HOA!

‘Designer touch’ home in Loveland. Hardwood & tile flooring thru out main floor, crown moldings, custom kitchen cabinetry w/ stain glass inserts, granite counters that all look onto the great room w/ vaulted ceilings & picture windows. Master bedroom w/ a walk-in closet, soaking tub & custom stone countertop. A fenced rear yard w/ a maintenance free deck that looks onto open space make this home complete. Unfinished basement & more.

4 Bdrm, 3 Bath, 2 car garage on a .25 acre lot. 4 level with unfinished walkout basement, fformal living rm, dining rm, family room. Great potential! Price reflects the need for G uupdating. Great northwest neighborhood!

$550,000 $235,000

$140,000

$219,900

$229,000

Open House

MLS#614058

MLS#610229

MLS#612743

MLS#584395 MLS#

Price Reduced

Call Felipe Sorzano 222-4423

Call Jim Muller 443-5140

Call David Rand 430-9505

Call Miki Roth 690-9459

ATTENTION INVESTORS!

OPEN SAT/SUN 1-3

OPEN SAT/SUN 1-3

NEW LISTING!

760 & 760 ½ Washington, Loveland

4104 Redbird Place, Loveland

1596 Angora Drive, Loveland

1215 W. 50th Street, Loveland

2938 Glendevey Drive, Loveland

Take a look at this investment opportunity! 2 homes on 1 lot in downtown Loveland. Better than a duplex! This property can cash flow! Floor plans and dimensions for both homes available from listing agent. Each home has 2 bedrooms, 1 car garage and separate yards! Currently leased month to month, call Listor for details. Listing Agent is related to Seller.

Country living at its best! Steps to fishing at Boedecker, close to shopping, dining and entertainment. 3 bedroom, 2 bath ranch w/ heated sunroom located on a 27,000 sq ft lot boasts 2 sheds w/ power, RV parking, and country views. Pre-inspected! Blue Ribbon Home Warranty.

Beautifully situated 4 bedroom, 3 bath two story in Blackbird Knolls subdivision. Located across from the neighborhood community park. Features Cent Air, comfy living room gas log fireplace, vaulted ceilings, 13 x 10 dining room, main level laundry, 42” maple cabinets, hardwood entry, huge master with walk-in closet & 5 piece bath. Includes all appliances including washer & dryer.

T This two-story RCI built home in Alford Meadows is sure to please. Features include: M 33beds/3baths/loft, open kitchen area, formal lliving, great room w/fireplace, neighborhood ppool and the list goes on. Call today for your pprivate showing!

An opportunity like this doesn’t come along very often! Home has been well cared for. New roof in the last 2 yrs, new windows in the last 10 yrs. Newer furnace, H2O heater, A/C, fridge, oven, & microwave. Enjoy the views & golf course living!

$247,000

$250,000

$259,900

$272,000

$295,000

MLS#608487

MLS#610130

MLS# 613422

MLS#603024

MLS#612435

Call Kristen Specketer 290-8097

Call Bob Skillman 631-2257

Call Don Riedel 679-8265

Call Jeff Montgomery 215-4803

Call Diana Luthi 481-2692

OPEN SATURDAY 1-3

NEW CONSTRUCTION

BRING OFFERS

NEARLY ONE ACRE LOT

2808 Valley Oak Drive, Loveland

5301 Moonlight Bay Drive, Windsor

5258 Rangeland Avenue, Loveland

1609 Sauk Road, Loveland

3133 Blue Mountain Court, Loveland

Spacious four level home located at Boyd Lake Shores that offers great fishing & boating. Home has passive solar sun room, hickory floors in the living and dining rooms, tile floors in kitchen and family rooms, 4th bedroom and bath in the lower level. Large front yard with gazebo and private back yard; has sprinklers.

Spacious ranch with open floor plan. Features 4 bdrm, 3 ba & a 2-car oversized garage. Kitchen has granite counters, large pantry & oversized kitchen island. All kitchen apps included. Master suite with gas fireplace, 5-pc luxury ba & large walkin closet. Finished basement includes 2 bedrooms, 1 bath, family/rec rm & storage.

Super quality ranch style home with all the fine qualities you will find in a Keirns Construction home! This fabulous 3 bed, 2 bath, 3 car tandem garage is complete and ready for new owners! Call today for special incentives!

Close in acreage prop. w/views of the frnt range mtns. Spacious home on 2.39 acres complete w/4 BDs, 4 BAs, fam rm w/FP, 2 rear decks to enjoy those mtn views & sunsets overlooking your own pond. New vinyl wndws in 2003, newer roof, carpets cleaned, A/C, spklr sys & 4 car gar. Also incld is the 32 x 70 insulated & heated detached shop w/ heated office area w/3/4 bth. Horses allwd.

Spectacular colonial home on nearly 1 acre. 4 bedrooms, 4 baths, great room boasts of a 2 story wall of windows. Recently completed 2-tier porch and balcony for quiet enjoyment. Trex deck w/ built in hot tub, relaxing gazebo. Detached workshop is a hobbyists dream complete with air compressor. Located near neighborhood pool and tennis courts.

$317,500

$340,000

$354,900

$399,900

MLS#611330

MLS#611190

MLS#607235

MLS#581881

MLS#605343

Call Mark Koentopp 679-1557

Call Cindy Kurtz 962-6832

Call The Brent Team 461-7145

Call Kelli Couch 310-8804

Call Stephanie Kirkland 679-8084 PRIVATE PARK & STREAM

OPEN SATURDAY 1-3

PRIVATE RECREATION LAKE

$490,000

FABULOUS VIEWS!

6233 Jordan Drive, Loveland

3356 Nederland Drive, Loveland

1429 Sedona Hills Drive, Loveland

1004 Engleman Place, Loveland

742 Beaver Cove Court, Loveland

Close in acreage. Located on .87 acres with views of Lon Hagler Res backing to open space, this 5BR 6BA home has it all: True chef’s kitchen, luxury master suite and bath, column ceilings, finished walkout basement, huge 3 car garage, neighborhood pool and tennis and only 20 min. to MCR, I25 or Longmont. Don’t miss out.

Easy golf course living on the 17th fairway. 3 bed + office,3 bath ranch located on Loveland’s Olde Course. Sprawling ranch custom built by Schroetlin. Solid oak doors and trim, private screened in porch and walkout basement.

Most amazing property. Luxury Sedona Hills Estate with priceless landscaping in a gated subdivision. Seller has already put in 1.2 Million in improvements. 2338 fin sq ft & 2215 sq ft in attached RV/Gar/studio on 32 acres which feature a private park, natural stream, waterfall, pond, beautiful sculptures, & more. This land has amazing water (Colorado Gold), 40,000 gal cistern & a well. MUST Check out www.rockymtnestate.com

Ranch with walk-out basement on private Horseshoe Lake. Slab granite counters, Viking appliances and center island in kitchen. Master bedroom has views to the lake and wonderfully updated luxurious bath. Moss rock fireplace on both levels. Expansive deck perfect for entertaining. Completely remodeled and ready to move in. Study/Office is also 5th bedroom.

This outstanding home was built to take advantage of the views with great room windows which frame Long’s and Mount Meeker Peaks. It has a wonderful court yard patio, 3 fireplaces, a fabulous master suite, and the kitchen is a gourmet cook’s delight.

$559,000

$599,000

$795,000

$799,000

$850,000

MLS#584638

MLS#607058

MLS#608702

MLS#601357

MLS#603427

Call Cindy Kutin 391-4735

Call Mary Laing 690-7288

Call John Simmons 481-1250

Call John Peden 227-5677

Call Nancy Maus 213-0554

47-304477

16

Home and Realty Guide  

Homes and Realty in Loveland, Colorado