Saturday Reporter-Herald N ove m b e r 13, 2010 E1

• •

Real EstateMatters

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

3105 Hudson Dr.

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Property ofthe Week

Director y

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Inside this week’s Home & Real Estate

� See Glink /Page E4

Featur edHome Plan

Springwoodis a spaciousranch home

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Front RangeGar dening

Carol O’Meara onhiring arborists

to keep valuabletrees healthy

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Interest ratesdrop again —

but will themarket perk

up?

Living Smarter

JENNIFER LEHMANSPECIAL SECTIONS RE P O RT E R

Local realtors have seen anincrease in people downsizingand looking for homes belowthe $250s.

People are looking to down-size because they want to“live smarter,” said KellerWilliams Realtor Vicky Briggs.“I think people are so muchmore aware of what the econ-omy is doing, she said. “Ithink they are just trying tobe smart and conservative.”

In November, MidtownHomes’ Boise Village Northclosed on 10 homes, theirhighest month of closings allyear. Of those 10 closings,seven of those are downsizingbuyers, said Rollin Goering,Midtown Homes Listings Bro-ke r.

“(Downsizing is) definitely atrend that has increased inthis last year specifically,” Go -ering said.

Boise Village focuses onhomes under $220,000 andhas seen an increase in homespurchased under $210,000,Goering said.

A lower level of mainte-

nance and lower utility billsare two of the most commonreasons people are downsiz-ing, Goering said. People arealso downsizing that are relo-cating from other areas to becloser to family, he said.

After the first-time home-buyer tax credit expired onApril 30, Midtown saw an old-er demographic looking todownsize “come out of thewoodwork,” Goering said,something that has been pret-ty consistent from May untiln o w.

With the first-time homebuyer tax credit, sales werebig between January andApril and after they expiredMidtown saw a surge in homepurchases from an older de-mographic looking to down-size.

Between the first-timehomebuyers and the emptynesters moving into smallerspaces, there are also a num-ber of middle aged familieswith kids downsizing, Goeringsaid.

It’s not just the older demo-graphic, but middle-age peo-ple with families are makingthe choice to reduce theirmonthly cost in home pay-ment, utilities and gas cost assome relocate closer to theirjobs, Goering said.

“Ever ybody’s trying to savem o n e y, ” said Russ Batz, Asso-ciate Broker with RE/MAX Al-liance in Loveland. Every-body’s been affected by theeconomy with people losingtheir retirement and utilitycosts going up, he said.

This desire to save is im-pacting the way homes are be-

ing built and what people arelooking for when they down-size, he said.

Batz said there are mainlytwo types of buyers right now,first-time homebuyers, thenumber of which is at an alltime high, he said, and babyboomers looking to retire.

Overall people are lookingto save money and spend lesstime maintaining theirhomes.

Retiring baby boomers areseeking single story homeswhile more first time home-buyers, seeking efficient useof space. “Layout flexibility isking,” Batz said. People arelooking for a second or thirdbedroom to double as a homeoffice, and prefer a greatroom over a formal diningro o m .

For first-time home buyersthey don’t want a foyer thatgoes up two stories, he said,they see it as a waste of ener-gy to heat that unused space.They would rather have abonus room.

For the older demographicslooking to move to a smallerspace, quality is still impor-tant, Batz said, people justdon’t want to have to clean ormaintain big spaces or bigy a rd s .

Batz said people want to fo-cus more on enjoying theirlives and less time cleaning,inside and out. They are want-ing to spend more time withtheir favorite people.

Batz said there are varia-tions on these ideas, but whenlumped together they areheavy enough “to have an af-

fect on way home builders arebuilding homes.”

While the demand in theselower-priced homes has in-creased, homebuyers at Boisehave also been able to moveon their contingency (contin-gency is the option of notgaining possession of a newhome until the current homehas sold) and sell their cur-rent home where as in thepast couple of years theywould have to sit and wait.

Goering said this means themarket is healthier in generaland that homes are moving atall price points, allowing peo-ple to downsize if they wantt o.

Batz believes there has beenan uptick in higher-pricedhomes in Loveland and thestate, but that in general,larger homes stay in the mar-ket a lot longer because fewerpeople want them and fewerpeople can afford them.

“For sellers, if your house ispriced appropriately, it willmove, Briggs said. “For buyersyou have to be quick becausethose good things will moveq u i c k l y. ”

Homes are still moving, shesaid. “Our market is still agood market you just have tobe smart in today’s market.”

For those that do want alarge home and a large yard,now they are often getting abargain, Batz said. Homebuy-ers are getting more squarefoot per dollar. But biggerhomes require more mainte-nance and cost and most peo-ple don’t want that, Batz said.

ILY C E GLINKTRIBUNE MEDIA SE RV I C E S

The average quote for a 30-year fixed rate mortgage onZillow’s mortgage market-

place last week was 4.14 percent.The average rate quoted for a 15-year loan was 3.6 percent. And forthose willing to take a flier on a5/1 adjustable rate mortgage(ARM), the average quote was 2.96percent. Imagine getting a loanfixed for 5 years at under 3 per-cent. It’s hard to believe.

What’s even harder to believe isthat the Federal Reserve Bank hasdecided to spend $600 billion buy-ing bonds, a program known as“QE2,” short for the second roundof quantitative easing.

The goal of the program is tolower long-term interest rates. Theeconomic reasoning behind thepurchases is that if long-term in-terest rates go down, economic ac-tivity will pick up, jobs will be cre-ated and the economic recoverywill begin in earnest. And whenthat happens, those lower rateswill spur the housing market to re-c o v e r.

Will it work? It might, if every-one acts on those super-low inter-est rates. But will businesses hiremore workers and make additionalinvestments simply because thecost of borrowing drops anotherone-half of a percent? Is there a re-ally big difference between borrow-ing money at 4 percent versus 3.5percent? Lower interest ratesseem less likely to spur a businessto act than landing a new client oran additional piece of business.

When it comes to mortgage refi-nancing, the same principal ap-plies. There is a finite number ofhomeowners who can refinance totake advantage of the super-low in-terest rates, because most don’thave enough equity in theirhomes, or their credit scores areshot, or they don’t have enoughcash on hand to pay the closingcosts or fees. Many of those whodo have the cash, credit and equitynecessary have already refinancedat record-low interest rates. Somehave already refinanced a couple oftimes, as interest rates dropped.

Is it worthwhile to refinanceagain if you’ll only save $50 or $60per month, but it will take two tofour years to pay back the costs ofthe refinance with the savings thenew lower rate will generate? Andwhat about the costs you paid torefinance the last time? At somepoint, the potential savings isn’tworth the effort.

Photo courtesy of Midtown HomesThe Granby at Boise Village North is priced at $174,900.

People moveto homes

under$250,000 andseek efficient

design

Saturday Reporter-Herald N ove m b e r 13, 2010 E2

Property of the Week

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

p yy f

3105 Hudson Dr., Lovelandland

Bedrooms: FiveBathrooms: Four

This amazing home in Hunters Run subdivision features a fi nished base-ment, a fabulous kitchen with knotty alder cabinets, silestone Brazilian brown counters, an island, pantry and a separate dining room. The spacious living room has vaulted ceilings and there is also a main fl oor study. The family room is wired for surround sound and has a gas fi replace. The master bedroom has a fi ve-piece

bathroom with a walk-in closet. There are laundry rooms on the main level and basement. The beautiful professionally land-

scaped yard features a sprinkler sys-tem and drip lines. The home also has a radon mitigation system. Enjoy the subdivision pool in the summer.

Brad Rowe

$370,000$370,000

MLS #641661Price: $370,000

Total Square Feet: 4,007Finished Square Feet: 3,875 Subdivision: Hunter’s Run

AS S O C I AT E D DESIGNS

The Springwood’s openand relaxing ambiancebegins before you even

step inside. For starters, thecovered porch of this tradi-tional ranch-style home mea-sures in at a lofty 11 feet high.Inside, the expansive vaultedentry is awash in natural lightthat filters in through side-lights, a transom and a win-dow grid in the upper sectionof the door. And that’s just thebeginning.

Vaulted ceilings are gener-ously supplied throughout.Double doors on the left sideof the entry, for example, openinto a vaulted room that couldbe a study, home office, or me-dia room. And at the far endof the entry hall, you step intoa spacious great room, whichis also vaulted.

A gas fireplace nestles intoone corner, near windows thatfill more than half of the rearwall. One in a trio of tallframed-glass panes opens outonto a partially covered patio,which could be screened.

The kitchen, with a nine-foot-high ceiling, is also a partof the great room. Standing atthe sink or its long counter,you can keep a running tally

of goings-on in the greatroom, patio and beyond. Atthe same time, you can chatwith family or friends rangedalong the lengthy eating andconversation bars. Appliancesare built in, and a roomy walk-in pantry nestles into one cor-n e r.

An arched passageway leadsinto the left wing, which hous-es the deluxe owners’ suiteplus a pass-through utilityroom that links with theSpringwood’s three-cargarage. A coffered ceiling addsa touch of elegance to theowners’ suite, which has its

own private access to the rearpatio. Two more bedroomsand a bathroom fill a wing onthe opposite side of the home.

For a review plan, includingscaled floor plans, elevations,section and artist’s concep-tion, send $25 to AssociatedDesigns, 1100 Jacobs Dr., Eu-gene, OR 97402. Please speci-fy the Springwood 30-772 andinclude a return address whenordering. A catalog featuringmore than 550 home plans isavailable for $15. For more in-formation, call (800) 634-0123, or visit www.associateddesigns.com.

H& Featured Home PlanRE

Springwood is an open ranch

H& Real Estate BriefsRE

NEIGHBOR TO NEIGHBOR OFFERSFREE HOMEBUYER EDUCATION

Neighbor to Neighbor is offeringfree monthly certified homebuyer ed-ucation courses — providing smartadvice for prospective homebuyers.

Attendees who complete N2N’sone-session class leave as educated,savvy consumers prepared to becomestable homeowners. Classes covertopics including tips for budgetingand saving for down payment, estab-lishing and maintaining good credit,

shopping for a loan, negotiating theprice of a home, homeowners’ insur -ance, energy efficiency and protectingyour investment. This class meets thecertificate requirements for CHFA,City of Fort Collins and LarimerCounty down payment assistance pro-grams as well as the HUD counselingrequirement needed for Fannie MaeMy Community Loan Products.

Register to attend the class byvisiting www.n2n.org or calling970-663-4163. Classes are free.

Open Houses This Weekend - www.thegroupinc.com

SATURDAY/SUNDAY 12:00 - 5:00

SATURDAY 12:00 - 2:00

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

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

SATURDAY/SUNDAY 1:00 - 4:001849 Chesapeake Circle A,B,C, Johnstown - 2 beds, 3 baths, with a 2 car a�ached garage. Enjoy life in this maintenance free townhome with an open floor plan. Home features many upgrades with Central AC, fireplace, �led entry, decora�ve ligh�ng fixtures, vaulted ceilings with fans, walk out basement, breakfast bar, and more.

SATURDAY/SUNDAY 1:00 - 3:003275 Adelaide Place, Loveland - Open ranch townhome. It �rs a lg mstr suite, walk-in closet, gas FP, �le kitchen & ea�ng area. Also �rs a walk-in tub, 60 gallon water tank, pa�o area, front porch & shop area in bsmt. 2bd, 2bth & roomy 2 car garage. Quiet neighborhood. The HOA takes care of all of your exterior maintenance. Hosted by: Denise Kloster 402-9100.

Call Diana Luthi481-2692

Call Carole Newberry443-4047

$180,000MLS#638177

$308,500MLS#640496

SATURDAY 10:00 - 12:00

SATURDAY 1:00 - 3:00

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

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

Call Cindy Kurtz962-6832

Call Mark Moran218-1891

$200,000MLS#639565

$314,900MLS#632213

SATURDAY/SUNDAY 1:00 - 5:0010818 Cimarron Street #308, Firestone - Only 3 units le�. Spacious 2 bed, 2 bath end unit with Southern exposure and mtn views + many upgrades. A�ached 2 car tandem gar w/extra storage. Vaulted ceilings in living room & master. Open floor plan w/long breakfast bar & large dining area. Covered deck w/storage. Gas fireplace in living room.

Call Rhonda Heth556-3516

Call John Simmons481-1250

$179,500MLS#629251

$179,900MLS#642473

Call Cindy Ku�n391-4735

$389,000MLS#629669

SUNDAY 1:00 - 3:00

Call The Brent Team481-2037

$165,000MLS#641914

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

SATURDAY 1:00 - 3:001049 Grant Avenue, Loveland - Wonderful Old Town Ranch with 3 Bdrms, 2 Bath and par�al basement. Oversized double garage on a beau�ful corner 1/3 acre lot with 1000 sq�. of deck between the house and garage. new carpet, paint and vinyl. Only a few blocks from the park and lake Loveland. See this charmer today.

Call Rich Gardiner227-0964

$180,000MLS#641581

SATURDAY/SUNDAY 12:00 - 5:007405 Pimlico Drive, Windsor - Brand new 3 bedroom, 3 bath, 2 car garage, hardwood floors, 8000 square foot open space lot, 2014 finished square feet. $ 287,000. Ask about our great builder incen�ves!

Call Kristen Specketer290-8097

$287,000MLS#640398

SATURDAY/SUNDAY 1:00 - 3:00 SATURDAY 1:30 - 3:302472 Anemonie Court, Loveland - Open flr plan on a cul-de-sac. 4bdrm,3bth & 2-c garage. New carpet, front porch, covered pa�o, �le entry & gas log FP. Mstr bdrm offers 3/4 bth, walk-in closet & sliding door to the pa�o. The bsmt has a lg bdrm w/its own private bth rm. A/C & sprinkler system. Quiet neighborhood. Hosted by: Coleen Ligotke 690-1732.

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

Call Diana Luthi481-2692

Call Don A. Riedel679-8265

$206,000MLS#632438

$260,000MLS#633804

SATURDAY 1:00 - 3:001040 Wisteria Drive, Loveland - Wood floors adorn the main level. Upgraded cabinets & new kitchen appliances. Vaulted ceilings, main level family room w/gas fireplace & classy built-ins. Professionally finished basement. New exterior paint, 3-car garage, huge corner lot, retractable awning over large pa�o.

Call Cindy Kurtz962-6832

$285,000MLS#639167

PRIVATE BOYD LAKE ACCESS

FRIDAY-SUNDAY 1:00 - 4:00255 Carina Circle #104, Loveland - Granite counters, SS appl, wood flrs, vaulted ceilings, fireplace & full bsmnts. They are going fast! HOA covers water, sewer, trash, exterior maintenance & insurance, landscape & snow removal, cable, clubhouse, pool & hot tub.

Call Georgena Arne�481-9801

Priced From $151,000MLS#624039

THESE UNITS ARE LOADED!PRICE REDUCED FULL OF NICE SURPRISES!PRICE REDUCED

OTHER NEW HOMES CURRENTLY AVAILABLE

TUESDAY - SUNDAY 1:00 - 4:004635 Tarragon Drive, Loveland - Tired of yardwork? Visit our furnished model home at The Pa�os in Thompson Crossing. 6 ranch plans, 3 car gar op�ons, garden level lots, views, low HOA dues. Convenient loca�on, yet tucked away; million $ sculpture walk, trail, open space close to I-25. Low maintanence living at it’s best!

Call Val Schlageter217-3464

Priced From $329,000MLS#607818

SATURDAY 2:30 - 4:30 SATURDAY/SUNDAY 11:00 - 2:00459 Cape Dory Drive, Loveland - Overlooks Boedecker Lake. 2 covered decks. Hickory floors on the main level, hickory cabinets, new SS appliances, slab granite counter tops, & vaulted family room. Lo� makes an ideal office/play room. Expansion of the daylight basement has begun w/a full bath.

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

Call Cindy Ku�n391-4735

Call Jesse Laner672-7212

$414,500MLS#634847

$850,000MLS#641082

Northern Colorado

Real Estate Sourcew w w . t h e g r o u p i n c . c o m

AN EXCLUSIVE SERVICE OF THE GROUP, INC. REAL ESTATE

Northern Colorado Real Estate SourceThe Real Estate Source is a magazine produced by The Group featuring homes for sale and new home neighborhoods throughout Northern Colorado.

Online version of publication at www.thegroupinc.comcontaining links to detail pages for most listings.

46-318725

Saturday Reporter-Herald N ove m b e r 13, 2010 E3

Mortgage rate update

30-year fixed

15-year fixed

5/1 ARM

This week Last week Tre n d

4.21%

3.60%

3.28%

4.38%

3.79%

3.32%

Regional Snapshot for Loveland/Berthoud Residential

June 2010 July 2010 August 2010

Active Listings 1101 1092 1054Previous Year Active Listings 1095 1086 1074

Sold Listings 169 111 102

Median Sales Price $234,000 $238,000 $192,000Previous Year Median $207,500 $208,000 $222,500

Average Days on the Market 132 130 113Previous Year ADOM 121 122 121

Year to Date Listings Sold 728 839 941Previous Year YTD Listing Sold 579 760 887

Monthly Volume $47,395,158 $32,486,983 $25,128,272Previous Year Monthly Volume $34,313,560 $44,166,425 $32,956,535

Home & Real Estate isproduced every Saturday

by the Loveland DailyReporter-Herald.

EDITORIAL INFORMATION635-3656

DISPLAY ADVERTISING669-5050

CLASSIFIED ADVERTISING635-3650

Real EstateTransactions aresupplied byProspects UnlimitedInc., 1151 EagleDrive No. 467,Loveland, CO80537, 667-1537.

L oveland• Robert &

Gail Dauben-speck from Hart-ford Homes Inc,4612 TarragonDr, Loveland,$415,500, home

• Jennifer Fer-retti from John-son Gary L & Ki-jo, 727 MckinleyAve, Loveland,$115,000, home

• Percy Gibsonfrom Spomer Al-ice Josephine,4236 Pin Oak Dr,L oveland,$135,000, home

• Michael Rat-ner from Thomp-son William J &Elizabeth I, 9008Cottontail Rd,L oveland,$245,000, home

• David Dunnfrom WalkerCharles H Iii,1118 Gard Pl,L oveland,$281,000, home

• Lisa & Reece

Gliko from As-pen Homes Col-orado Inc, 4475Hayler Ave, Love-land, $264,700,home

• MichelleStein from AspenHomes ColoradoInc, 3402 FosterPl, Loveland,$210,700, home

• Kay Dykesfrom Bank NewYork MellonCorp, 760 Dou-glas Ave, Love-land, $135,000,home

• Douglas &Denise Naglefrom Brenda LeeSharp CharlesWalto, 869 NyssaDr, Loveland,$253,000, home

• Dan & Glen-da Baumannfrom Teed ErnestA & Barbara J,4951 ClearwaterDr, Loveland,$268,500, home

• Kristen &Angela Millerfrom BeardRobert S, 237Sand Grouse Dr,L oveland,$187,000, home

• Brett John-son from Domer-son Djems, 130

Grant Ave, Love-land, $163,600,home

• William &Kristi Sh fromIds Homes Inc,334 ReservoirDr, Loveland,$813,500, home

• Edith Gausefrom Ireland Su-san M, 985 W10th St Unit A3,L oveland,$125,000, condo

• Steven &Mary Hood fromKe n n e d yJonathan D &Brandi F, 1715UncompahgreDr, Loveland,$450,000, home

• R Bat fromLonew, 6025Otero Ave, Love-land, $499,000,home

• Eugene &Marilou Shreckfrom LovelandMidtown Devel-opment I, 960Boise Ave, Love-land, $180,000,home

• Richard &Mary Wilsonfrom Morgan JWayne, 3500 FoxDr, Loveland,$550,000, home

• William Wal-lick from NelsonEsther, 2008Abeyta Ct, Love-land, $201,000,home

• Rebecca &Derrick Myersfrom PennellMartha M, 3608Catalpa Ct,L oveland,$188,000, home

• Shari Sim-mons fromPorter Roger F &Elizabeth A, 851Scarborough Dr,L oveland,$220,000, home

• David & Hol-ly Rex from Spic-ka Edward R &Sherry L, 5794Jackdaw Dr,L oveland,$375,000, home

• Jeffrey Lowefrom TracyDaniel Christo-pher & MeganCat, 620 W 2ndSt, Loveland,$177,500, home

• Leslie & LisaMangin fromWaldroupe AndyC & Sandra L,1225 W 8th St,L oveland,$235,000, home

• Lan Truong

from White MariL, 470 Elder Ct,L oveland,$148,000, home

Berthoud• Debra Swan-

son from MartinRuth Merle, 720Bruce Dr,Berthoud,$146,500, home

• Charlie Row-ley from EpplerBarry & Eliza-beth, 353 Indi-ana Ave,Berthoud,$189,900, home

Estes Park• Thomas &

Karen Wilbertfrom BarbieriSandra Lee,3202 ThunderMountain Ln,Estes Park,$715,000, home

• James &Margaret Moodyfrom Donald WMary Jane Sei-bold Rev, 1062Pine Knoll Dr,Estes Park,$325,000, home

• Robert Mc-cauley from Fan-nie Mae, 1100Giant Track Rd,Estes Park,

$196,000, home• Tim & Kim

Watt from GlennE RichardsonTrust, 8401 Hwy7, Estes Park,$400,000, home

• NicholasSmith from Si-moni Alan Gre-gory & BrianRandall, 1607Black SquirrelDr, Estes Park,$275,000, home

• Rodney &Melody Harwoodfrom RiveroMaria Grace,514 Grand Es-tates Dr Unit C5,Estes Park,$187,000, condo

Johnstown• Eugene

Bellavance fromFannie Mae,2301 Black DuckAve, Johnstown,$214,900, home

• Glenn Dingesfrom Hsbc MtgCorp USA, 1808N 3rd St, John-stown,$169,000, home

• Susan &John Taylor fromRyland GroupInc, 2785 WhiteWing Rd, John-

stown,$210,100, home

M i l l i ke n• Miriam &

Michael Palkofrom FontainePattye L, 108 NPauline Ave, Mil-liken, $117,600,home

• Nolan Hock-ensmith fromHernandez Por-firio & Elena,810 S MarjorieAve, Milliken,$126,000, home

Windsor• James &

Karen Sannerfrom First Hori-zon HomeLoans, 1124Fairfield Ave,Wi n d s o r,$195,000, home

• Robert Hoggfrom MelodyHomes Inc, 1569Edenbridge Dr,Wi n d s o r,$252,800, home

• Jessica Jolesfrom Shao Shao,1996 BayfrontDr, Windsor,$366,800, home

• Jeffrey & Ja-neen Mcginnfrom Westmark

Homes Inc, 7023Spanish Bay Dr,Wi n d s o r,$388,300, home

• Alexander &Erica Brownfrom FergusonChester L &Cheryl M, 7150Spanish Bay Dr,Wi n d s o r,$590,000, home

• Caleb & Re-becca Johnsonfrom JohnsonDavid L & PeggyL, 721 WalnutSt, Windsor,$150,000, home

• Ross & MarySiedschlag fromMallory Angela L& Christophe,920 CornerstoneDr, Windsor,$232,500,home

• Matthew &William Powellfrom SiedschlagRoss D & MaryK, 548 15th St,Wi n d s o r,$320,000,home

• Samual &Ann Dreyer fromTerra CapitalHoldings LLC,612 Yukon Ct,Wi n d s o r,$359,900, home

H& Real Estate TransactionsRE

For home and real estateadvice, features and

information, visitwww.homeandrealtyguide .com

2541

New Homes Priced in the Mid 200’s in Desirable Seven Lakes Area5 Piece Master Baths, Walk-in Closets, Air Conditioning, 3 Car Garages,

Unfi nished Basement, Lake Rights4 Ranch Plans and a 2 Story with Main Floor Master to choose from

le Seven Lakes Areationing 3 Car Garages

E 29th St.

N. M

adis

on A

v.

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Seven Lakes Dr.

48-3

1932

0

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OPEN HOUSE SAT. & SUN. 1PM-4PM

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FROM THE $140’S* TO $350’SEnchantment Ridge

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FROM THE $200’s TO THE $500’s

OPEN SATURDAY 1-4AVAILABLE NOW!The look of a $400,000

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tile fl oors, A/C, gas fi replace, 2 baths including 5 piece master, 3 bedrooms and unfi nished basement - $298,6644355 Ridgway Drive, Loveland

970-227-3893

46-3194193

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$$8,000 Buyer Credit8,000 Buyer CreditPhase 1 Closeout Special

970-456-46001/4 mi. So. of Hwy 34 on Boise Ave. - 1899 East 11th Street

www.lovelandmidtownhomes.com

Homes priced from the

$140’s - $220’s

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46-3

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$$174,900

174,900

$$179,900

179,900

2

2

Saturday Reporter-Herald N ove m b e r 13, 2010 E4

GLINKFrom Page E1

STAT E P O I N T

Tired of cookie-cutter decorfrom the mall? Looking forways to brighten up your

home without doing major remodel-ing?

Why not add a signature piece toevery room that reflects your ownunique style? Signature pieces areoften works of art that serve as focalpoints for the room, a hallmark ofyour taste and good sense to investin your home.

Here are some room-by-room ideasto get you started:

BEDROOM

Many people invest in a fancyheadboard not realizing the actualfocal point of many bedrooms is thebedding, which establishes the colorpalette and mood for the room.Draping your bed in a designer duvetcan make your bedroom a den ofdecadence. Look for one in luxuri-ous fabrics, such as silk, or withunique patterns such as paisley orgeometric shapes.

The added bonus is that you canmask an ugly but cozy comforter,creating an aura of luxury and com-fort. If you really want to indulgeyour senses, spring for quality sheetswith a high-thread count — 1000 isnice, but 500 will suffice.

K I TC H E N

The kitchen is the heart of everyhome, the engine room that keepsyour family running, so it makessense to turn it into a warm, inspir-ing space. Adding a high-quality de-signer range will not only brightenany kitchen, it will serve as a stylishaccent piece. Bertazzoni, maker ofauthentic Italian kitchen appliances,offers a variety of ranges that com-bine an elegant look with innovative

t e c h n o l o g y.“Our fifth generation family busi-

ness combines timeless Italian de-sign with quality engineering to cre-ate a line of kitchen appliances thatare a focal point of any kitchen,”says Paolo Bertazzoni. “Our cookingtechnology allows homeowners whoshare a passion for food, to creategourmet dishes that bring familyand friends together.”

You can window-shop their cre-ations at bertazzoni-italia.com.

LIVING ROOM

Original art is a great conversa-tion piece when placed in the livingroom. Just make sure, whether thepiece is avante garde or somethingmore traditional, that you like whatyou buy — you’ll be looking at it ev-ery day.

If you’re going for a whole newlook, then buy art with varied colors— some that match your old decorand some that go with the new lookyou’re trying to establish. Then you

can add unique pillows and throwsfrom a local flea market to createcharacter and style.

FAMILY ROOM

Every family room has a TV, butyou’re looking for some originality.Why not try placing a gaming tablein the middle of the room, like thosefor pool or ping pong? Even a smalltable set up for backgammon will bea conversation starter.

Of course, you can always go inthe other direction and turn thefamily room into a media room. Theobvious centerpiece here is the tele-vision, but a beautiful console canhide unsightly wires. Maybe evenconsider an armoire that allows youto hide the TV behind closed doorswhen not in use.

Don’t be afraid to think outsidethe box when creating a home withcharacter and style. Just one fabu-lous piece per room can help createa whole new look for your entirehome.

S i g n a t u reStyle

Tips forpersonalizing

a home

Statepoint photo

Quick fall touch-ups for your homeSTAT E P O I N T

With the changing seasons,there are many things youcan do to keep your home

running smoothly and prepare forcooler months.

It takes only a weekend to get yourhouse ready for the coming monthsand a few tips can keep things well-maintained:

STAY WARM AND BRIGHT

Before the weather turns, checkwindows and doors to make sure theyseal properly. If not, re-caulk any open-ings and install weather-stripping. Do-ing so will save money on heating andcostly future repairs.

During the winter months we getless daylight and keep lights on moreoften. To compensate, install energy-saving compact fluorescent bulbs,

which come in a variety of colors rang-ing from warmer tones that are like in-candescent bulbs to cool blue “day -light” colors. They also last up to tentimes longer than regular bulbs.

DEODORIZE YOUR HOME

Baking soda goes a long way in re-moving odors from kitchen appliances.

� See HOME/Page E6

There’s also some question about whether lowerinterest rates will spur home buyers to jump off thefence and make an offer. Mortgage interest ratesare nearly at 4 percent for a 30-year fixed-rate loan.But buying a home is a bigger decision than simplylooking at how low interest rates are. You also haveto have great credit and plenty of cash for closingcosts and reserves. Many home buyers don’t haveall those ducks in a row.

You also have to have a reason for moving: Youdesire a bigger house or a better school district;you want to take a new job; or, perhaps you’reready to downsize and retire.

Will lowering interest rates overcome all of theseother hurdles home buyers are facing? It’s tough tok n o w.

One thing is for sure: Mortgage interest rateshave never been this low. And if you do qualify torefinance, and your current interest rate is over 5percent on your 30-year or 15-year loan, you shouldrun the numbers and figure out whether it makessense for you to refinance your property.

Question: My husband’s parents bought lakeproperty 48 years ago for approximately$15,000. Today it is valued at about$600,000. His mother is still living but is

in a nursing home and does not use the cottage.We have been told that a quitclaim deed signed

by her today would give us the cottage with no taxconsequences (gift or capital gains). Is this possi-ble? Would putting my husband’s name on thedeed as co-owner attach any gift tax liability? Isthere any way for him to receive the property with-out some sort of tax issue for either him or hismother?

Answer: Your mother-in-law has the right to giftthe home to your husband. Federal income tax andgift tax laws would allow your mother-in-law to givethe home and not pay any taxes. Likewise your hus-band could receive the home and not pay taxes.Your mother-in-law might have to fill out gift taxforms relating to that gift to her son, but the$600,000 value is well below the limit allowed bythe federal tax code before she would have to paygift taxes. (As of 2010, a person can give gifts invalue of up to $1,000,000 total before having topay the federal government taxes on the gifts.)

As an aside, in 2010 a person can give a gift toanybody of up to $13,000 per year without thatamount being included in the amount consideredfor taxation by the federal government.

Now if your mother-in-law gifts the home to yourhusband, his basis for the home will be approxi-mately the amount his parents paid for the home.Conceivably that amount could be $15,000 butmay also depend on how your mother-in-law and fa-ther-in-law held title to the property, when your fa-ther-in-law passed away and what the value of theproperty was at the time of his death. But for sim-plicity sake, let’s assume that your husband’s basiswhen he becomes owner of the property is$15,000, and let’s assume that the family neverput any capital improvements into the home.

At that $15,000, if you and your husband sell thehome, any sales price above the $15,000 would beconsidered long-term capital gains if you hold onto the home for at least one year.

The estate tax laws are in flux at the moment,but in prior years if your husband inherited theproperty from his mom, he would have inheritedthe home at the home’s value at the time of hismom’s death. Under the old law — and perhaps ifCongress changes the law back to the way it previ-ously was — if you inherited the property and thensold it, your mother-in-law would not have paid anyincome or capital gains taxes on the sale of thehome and neither would your husband.

Due to the changes that have occurred and maystill occur in the tax laws relating to estates, thebest course of action would be to sit down with anestate attorney to start making plans on how tohandle title to the property now and plan for anytax consequences in the future.

46-319047

Jim ChanceThe Group, Inc. Real Estate970-388-4261jchance@thegroupinc.com www.thegroupinc.com/3402

Updated Ranch w/attached 3-car garage! 3bd, 2ba, new tile, carpet, paint & fresh new feel. Master bdrm has 3/4 bath. Covered east side patio. RV/boat parking. No HOA dues! MLS #640718. $195,000.

3402 Red Maple Court

LARGE CORNER LOT ON CUL-DE-SAC!

Sindy TurnerTimberline Partners, Inc581-4157SindyT@TimberlinePartnersInc.com

Location, Location, Location! All brick ranch, fi replace, 4 bed/3 bath, great fenced yard, oversized garage. RV/Boat parking, quick closing ok. Visit www.1813delnorte.com

1813 Del Norte

OPEN SUNDAY 1-3

Betsy BurnsColdwell Banker Residential Brokerage970-215-1776Betsy@BetsyBurns.com

Sweet little house! Owner has refurbished wood fl oors, put in new carpet and painted in & out. Above ground windows in basement and offi ce in basement. Hosted by Laura Leslie. 744- 8082

1228 Garfi eld Avenue

OPEN HOUSE SATURDAY 1-3PM

Ranch home built in 1948 featuring arched doorways, wood fl rs, some original hardware, updated kitchen & bath, and a new roof. Large private backyard & detached garage w/ room for storage.

832 6th St.-Berthoud-$162,000

OPEN HOUSE SAT, 11/13/2010 FROM 12-2:00PM

Kathleen Gruman970-290-3393kathleen@berthoudrealestate.comwww.berthoudrealestate.com

Large backyard, 22’x22’ garage, tankless water heater, hdwd fl rs in ktn and dining, vaulted ceilings in lv rm, ktn, dining rm. Fully landscaped with sprinkler system. MLS#634551 $214,900

205 Quandary Ave, Berthoud

OPEN HOUSE SATURDAY 1-4PM

Leroy GabrielCentury 21 Humpal, Inc970-481-8168Leroy.Gabriel@century21.com

2 bedroom, 2 bath ranch in lovely senior community. Model home with many extras! All stainless steel appliances included. $280K Madison & Finch St. Visit the Rio too, priced at $290K.

Mirasol Senior Community1294 Inca Dove Cir. - Loveland

OPEN HOUSE SAT. 2 TO 5 (ONLY 2 LEFT)

Mirasol Senior CommunityMirasol Sales Team970-635-5931airwi@lovelandhsg.orgwww.mirasolseniorcommunity.com

4688 Twin Peaks

OPEN HOUSE SUNDAY 1PM-4PM

Rick L. KelleherColdwell Banker Residential Brokeage970-980-7218ricklkelleher@msn.comcoloradohomes.com

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

Quick close possible. Spectacular mountain views, 2 bdrms, 2 baths, wood fl oors, granite counters, open fl oor plan, covered deck, large patio for entertaining, large 3 car garage.$424,900 #631397

4618 Tarragon Drive, Johnstown

OPEN HOUSE SATURDAY 12PM-3PM

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

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

OPEN Wed and Fri 11-1PM, Saturday 11-2PM. 2+ Acre lake front & horse lots starting $199,000. Surface rights, walk paths, parks, boat docks, fi shing and peace garden.

Warberg Farm at Chapman Reservoir

OPEN - SATURDAY 11AM-2PM

Marilyn BoiceCentury 21 Humpal, Inc.970-631-5073marilyn.boice@century21.com

New main level carpet, new kitchen tile and counter tops, repainted living room, kitchen, dining room, halls and main bath. All brick w/steel soffi ts for low maintenance. $295,000 #628978

1835 Blue River Drive

OPEN HOUSE SUNDAY 12PM-3PM

FEATURED PROPERTIES - UP TO $199,999FEATURED PROPERTIES - UP TO $199,999 $200,000 - $299,999$200,000 - $299,999

$200,000 - $299,999$200,000 - $299,999 LAND FOR SALELAND FOR SALE$400,000 - $499,000$400,000 - $499,000$300,000 - $399,000$300,000 - $399,000

Saturday Reporter-Herald N ove m b e r 13, 2010 E5

Things for prospectivelandlords to consider

before renting their homesMETRO CR E AT I V E SE RV I C E S

While the economic downturnhit many people rather hardover the last year, some peo-

ple have been able to weather thestorm and actually thrive in the cur-rent economic climate. Real estateinvestors who managed to keep theirholdings under control, for instance,have experienced somewhat of a fi-nancial windfall as the economy re-gressed. This may be due to victimsof foreclosure seeking rental proper-ties or more and more people steer-ing clear of committing to a home oftheir own and choosing instead torent.

But renting out a property isn’t aseasy as 1-2-3, even in a market wheremore people are looking to rent thanbuy. In fact, vacancies in larger citiessuch as New York and Los Angelesare so commonplace that rents andstipulations such as realtor fees havebegun to drop, albeit slightly. Still,the current climate could benefitthose with a spare property ready torent. There are just a few things toconsider before advertising.

IS IT ALLOWED?

It’s not uncommon for young peo-ple to purchase an apartment beforepurchasing a home but keep theapartment once they do, in fact, buytheir first home. That’s often donewith the intention of renting out theproperty once a home is purchased.

While that’s a sound financialplan, it’s not necessarily allowed. Be-fore deciding to rent out a property,be it a condominium or apartment,be sure the condo association allowsit. Discuss the situation with an asso-ciation representative to see justwhat is and isn’t allowed. In some in-stances, a contract will stipulate thata property can be rented, but only

through the association’s own man-agement team, which can cost you,the owner, money.

WILL YOU DO IT YOURSELF?

While some condo associations in-sist their management team handlethings, others don’t. Still, thatdoesn’t mean doing it yourself iseasy or even desirable. Owners canhire a real estate management groupindependently that will handlethings related to renting, such asfinding tenants, running creditchecks, even maintenance and han-dling complaints. Of course, this willcost owners money. But for thosewho simply have busy schedules andan extra property they’re not yetready to sell, hiring a managementgroup can save you the headaches ofbeing a landlord while still affordingyou to earn extra money on the prop-e r t y.

FURNISHED OR UNFURNISHED?

Another thing to consider iswhether or not to rent the propertyfurnished or unfurnished. Chancesare, if you’ve been living in the prop-erty recently, there’s plenty of furni-ture available to rent it furnished. Ofcourse, this means you’ll have topurchase furniture for your newplace.

Oftentimes, the financial benefitsof furnished versus unfurnished is atoss-up. Some renters prefer an un-furnished place, while others wouldpay more per month if the place isfurnished. One option is to lease theapartment as “Furnished or Unfur-nished.” This keeps the apartmenton all potential renters’ radar, and ifyou settle on a tenant who prefers itunfurnished, you can always rent astorage unit for a small monthly feeto store any leftover furniture youmight want to keep.

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 Classifi eds” 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

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saturday sundayPRICE LOCATION ADDRESS HRS OFFICE PHONE

FROM THE $140’S NW LOVELAND 43RD & WILSON AVE. THE COTTAGES AT

ENCHANTMENT RIDGE 12-5 THE COTTAGE REALTY 970-532-5900

140’S-220’S SE LOVELAND BOISE VILLAGE NO., ¼ MI. SO. OF HWY 34 ON N BOISE AVE., 1899 E. 11TH 10-6 MIDTOWN HOMES 970-456-4600

$150,000 SW LOVELAND 1000 W EISENHOWER BLVD #11 1-3 RE/MAX ALLIANCE 970-218-8888

$150,000 SE LOVELAND 1228 GARFIELD AVE 1-3 COLDWELL BANKER 970-215-1776

$151,000 SE LOVELAND 255 CARINA CIRCLE #104 1-4 THE GROUP INC 970-481-9801

$162,000 BERTHOUD 832 6TH ST 12-2 RE/MAX TOWN & COUNTRY 970-290-3393

$169,900* NW LOVELAND 4403 ELLIOT PL 12-5 THE COTTAGE REALTY 970-532-5900

$179,500 BERTHOUD 10818 CIMARRON ST #308 1-5 THE GROUP INC 970-556-3516

$179,900 JOHNSTOWN/ MILLIKEN 1849 CHESAPEAKE CIRCLE A, B, C 1-4 THE GROUP INC 970-481-1250

$180,000 NW LOVELAND 3275 ADELAIDE PLACE 1-3 THE GROUP INC 970-481-2692

$180,000 SW LOVELAND 1049 GRANT AVE 1-3 THE GROUP INC 970-227-0964

$200,000 SW LOVELAND 835 W 7TH ST 10-12 THE GROUP INC 970-962-6832

$206,000 SW LOVELAND 2472 ANEMONIE CT 1-3 THE GROUP INC 970-481-2692

$232,000 NW LOVELAND 4496 HAYLER AVE 12-5 THE COTTAGE REALTY 970-532-5900

STARTING AT THE $250’S NE LOVELAND 1563 LA JARA ST./LAKES POINT 1-4 BURNS

CONSTRUCTION 970-669-8386

$260,000 SW LOVELAND 2766 27TH COURT SW 1:30-3:30 THE GROUP INC 970-679-8265

$280,000 SE LOVELAND 1294 INCA DOVE CIR 2-5 MIRASOL MARKETING GROUP 970-635-5931

$285,000 NW LOVELAND 1040 WISTERIA DR 1-3 THE GROUP INC 970-962-6832

$287,000 WINDSOR 7405 PIMLICO DR 12-5 THE GROUP INC 970-290-8097

$298,664 NW LOVELAND 4355 RIDGWAY DR 1-4 THE COTTAGE REALTY 970-532-5900

$308,500 WINDSOR 7409 PIMLICO DR 12-5 THE GROUP INC 970-443-4047

$314,900 NE LOVELAND 1730 MONARCH CIRCLE 1-3 THE GROUP INC 970-218-1891

$329,000 SE LOVELAND 4635 TARRAGON DR 1-4 THE GROUP INC 970-217-3464

$342,500 SW LOVELAND¼ MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION

12-4 GLEN MARKETING TEAM, ERA 970-663-4522

$389,000 NE LOVELAND 6545 CLEARWATER DR 12-2 THE GROUP INC 970-391-4735

$389,750 SW LOVELAND 975 PRISM CACTUS CIRCLE 12-4 GLEN MARKETING TEAM, ERA 970-663-4522

$414,500 SW LOVELAND 459 CAPE DORY DR 2:30-4:30 THE GROUP INC 970-391-4735

$525,000 NW LOVELAND 3356 NEDERLAND DR 2-3 RE/MAX ALLIANCE 970-622-1810

$529,000 SW LOVELAND 228 MEADOWVIEW DR 1-2 RE/MAX ALLIANCE 970-443-7789

$850,000 FORT COLLINS 7204 LARAMIE RIVER DR 11-2 THE GROUP INC 970-672-7212

PRICE LOCATION ADDRESS HRS OFFICE PHONE

FROM THE $140’S NW LOVELAND 43RD & WILSON AVE. THE COTTAGES AT

ENCHANTMENT RIDGE 12-5 THE COTTAGE REALTY 970-532-5900

140’S-220’S SE LOVELAND BOISE VILLAGE NO., ¼ MI. SO. OF HWY 34 ON N BOISE AVE., 1899 E. 11TH 10-6 MIDTOWN HOMES 970-456-4600

$151,000 SE LOVELAND 255 CARINA CIR #104 1-4 THE GROUP INC 970-481-9801

$165,000 SE LOVELAND 1112 N CLEVELAND AVE 1-3 THE GROUP INC 970-481-2037

$169,900* NW LOVELAND 4403 ELLIOT PLACE 12-5 THE COTTAGE REALTY 970-532-5900

$179,500 BERTHOUD 10818 CIMARRON ST #308 1-5 THE GROUP INC 970-556-3516

$179,900 JOHNSTOWN/ MILLIKEN 1849 CHESAPEAKE CIRCLE A, B, C 1-4 THE GROUP INC 970-481-1250

$180,000 NW LOVELAND 3275 ADELAIDE PLACE 1-3 THE GROUP INC 970-481-2692

$199,900 NW LOVELAND 1813 DEL NORTE 1-3 TIMBERLINE PARTNERS, INC. 970-581-4157

$206,000 SW LOVELAND 2472 ANEMONIE CT 1-3 THE GROUP INC 970-481-2692

$232,000 NW LOVELAND 4496 HAYLER AVE 12-5 THE COTTAGE REALTY 970-532-5900

STARTING AT THE $250’S NE LOVELAND 1563 LA JARA ST./LAKES POINT 1-4 BURNS CONSTRUCTION970-669-8386

$259,500 SW LOVELAND 227 JOHNSON DR 12-2 RE/MAX ALLIANCE 970-622-1809

$262,000 JOHNSTOWN/ MILLIKEN 3973 KENWOOD CIRCLE 2-3 RE/MAX ALLIANCE 970-622-1810

$287,000 WINDSOR 7405 PIMLICO DR 12-5 THE GROUP INC 970-290-8097

$308,500 WINDSOR 7409 PIMLICO DRIVE 12-5 THE GROUP INC 970-443-4047

$319,000 SW LOVELAND 4688 TWIN PEAKS CT 1-4 COLDWELL BANKER 970-980-7218

$329,000 SE LOVELAND 4635 TARRAGON DR 1-4 THE GROUP INC 970-217-3464

$342,500 SW LOVELAND¼ MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION

12-4 GLEN MARKETING 970-663-4522

$389,750 SW LOVELAND 975 PRISM CACTUS CIRCLE 12-4 GLEN MARKETING TEAM, ERA 970-663-4522

$479,000 NW LOVELAND 2640 FARISITA DR 1-4 BANCWISE 970-310-0590

$850,000 FORT COLLINS 7204 LARAMIE RIVER DR 11-2 THE GROUP INC 970-672-7212

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46-3

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Saturday Reporter-Herald N ove m b e r 13, 2010 E6

Foothills AptsFALL MOVE-INSPECIALS

2 Bdrm Apartment Homes● Includes Washer & Dryer

● Park-Like Setting● Garages Available

1913 W. 15th St.970-669-7850 - Sorry no pets

2 BDRM, $650 + elec,free heat & basic cable,clean, pantry. No pets.Coin-op. 970-663-6787 or

970-430-0859

2 BDRM 1 BATH, new win-dows, D/W, ONLY $595.

Call 970-226-5600FTCRENT.com

2 BDRM, 1 bath, A/C, stor-age, ht/wtr pd, super clean,N/S/pets, $615 1544 DeannaCt, Lvld. (970)667-0365

2 BDRM, 1 BA, lndry onsite. Great loc! 1654 16th St$625, wtr/swr/gas pd. N/PFaith Property 970-377-1626

2 BDRM, 1 BA, lndry onsite. 2nd flr, 1155 & 1145 E5th St. $550, wtr/swr/gaspd. N/P Faith Property

970-377-1626

2 BDRM, 1 BA, lg kitchen,lndry on site, water/sewer/ trash paid.

1125 Gard Pl #1 $575/mo,Faith Property 970-377-1626

2 BDRM, 1 BA, bsmt apt,hkups, 1705 1/2 E 8th St,$725/mo Faith Property

970-377-1626

2 BDRM, 1.5 ba, hkups,$800/mo, wtr/sewer pd.

1842 E 17th St,Faith Property 970-377-1626

2 & 3 BDRM, cent. loc. Newcarpet/paint. Fncd yd, N/P.Ht/Wtr pd! 970-308-7387

1 BDRM, $550/mo.Clean, quiet, friendlycomplex, No pets.Walk-in closet, stor-age. HT & WTR PD.

970-667-8370.

1 BATH, Studio, $395/mo.No stairs, utils includedCall rmpm.com 669-0842

Apartments/Unfurnished 4030

ALL BILLS PAID!!!1 BDRM/studio, furnishedor unfurnished. DowntownLoveland. $500-$550/mo.

Call 970-391-0834

Apartments/Furnished 4010

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

BACK ON MARKET!1200 SF- 3 bdrm, 1.5 bath.$850 + $850 dep + utils.Loveland (303)772-7390

3 BDRM, 2 ba, gar,W/Dhkps, $700. No pets/smk. 2Birkley Ct Lvld 970-667-3353

2 BDRM- 410 22nd, $795.● 1/2 MONTH FREE!

Unf bsmt, 1 car, newer crptCall rmpm.com 669-0842

2 BDRM, 1 BA, gar, fncdyd, hkups, 2 story

1604 Albany $675, wtr/swr/gas pd. Avail now!

Faith Property 970-377-1626

1 BDRM- E. Eisenhower,$450/mo, new carpet.Call rmpm.com 669-0842

Duplexes 4060

3 BDRM, 2 BA ranch, 2 car,sm fncd yd, frpl, hkups,

avail now! $900/moFaith Property 970-377-1626

2 BDRM- 4715 Hahns Peak,$875/mo. NICE!

Call rmpm.com 669-0842

2 BDRM, 1 BA, onsitelndry, 2nd story, wtr/swr/trash pd. 1654 16th St, $625Faith Property 970-377-1626

2 BDRM, 1.5 BA, 2 story,large living room, patio,

small yard, hkups,wtr/swr/trash pd.4856 Basswood, $575.

Faith Property 970-377-1626

Condos/Townhouses 4050

OFFICE & PRIV BATH$750/mo. 1600 Sq Ft.

rmpm.com. 970-669-0842

3000 SF SHOP, office, 2 ba,3 lg doors, 2 hoists, lots ofprkg, $1750/mo, 339 8th SE,Loveland . 970-308-1775

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

CommercialIndustrial 4040

Lrg 2 BDRM, no pets. $575/mo, wtr/sewer pd. 1717 N

Cheyenne Ave. #12.Faith Property 970-377-1626

BDRM, 1 BA, hw flrs, $495211 W. 8th St, Avail now!Faith Property 970-377-1626

LUXURIOUS UPSCALEAPARTMENTSSTUDIO, 1, 2, & 3

BEDROOMS- Pool, hot tub,24 hr. fitness center,business center, coffeeshop, salon, pizza & deli.OPEN HOUSE, Mon-Fri9am-6pm, Sat. 10am-5pm.325 E. 5th St., Loveland.

1-888-822-9346

3 BD or 2 BD- Free rent!Pets nego. Quiet & spac.$645-$795. 970-223-1349

2 bedroom townhouse, W/Dhookup, patio & storageshed, 1408 S Douty (Southof HP), NP, $535/mo,970-667-2571.

Apartments/Unfurnished 4030

3 BDRM, w/bsmt, A/C,new carpet in West Lvld.$1000/mo. w/12 monthlease & sec dep. Pets on

appr. (970)685-8573

3 BDRM, 335 Lark Bunting-$1250/mo. Great Condition!Call rmpm.com 669-0842

3 BDRM- 2618 W. 44th$1095/mo. 2 car, unf bsmtCall rmpm.com 669-0842

3+BDRM, 2+2BA, NW Lvl2 car gar. Close to schools,frpl, wood floors, semi-finbase, large master suite,fenced, deck, sprinklers,pets considered, $1500+

dep 281-210-7961

3+ BDRM, 1.5 ba, ranch.Newly updated, very clean,$1050. 970-218-6229/ 685-4085

3004 WHITE OAK CT3 bdrm, 2 bath, all brickranch w/new carpet.$1100/mo. (970)290-1798

2 BDRM with bsmt, 2 cargar, W/D hookup.

5 Namaqua Ct. $1000/mo.No cat/smoker. 970-667-3353

2 BDRM, 1 BA, large 1 cargar, 90% eff furnace, newwindows/roof, save onutils! Close to library. $775/mo. Avail now. 970-581-6929

1530 W 16TH, 2 bdrm, 2 baw/ fin bsmt. Lndry rm,pets OK. Grt loc, $1100/mo970-481-9739

125 E. 23rd St. updated 2bdrm, 1 ba, ranch. 2 cargar. N/S, sm pet neg. $850/mo. + $850 dep. 970-215-2314

EQUAL HOUSINGOPPORTUNITYAll real estate

advertised in thispaper is subject to thefederal and state FairHousing Act whichmakes it illegal toadvertise “any

preference, limitationor discrimination

based on race, color,religion, sex, handicap,familial status or

national origin, or anintention to make anysuch preference,limitation, ordiscrimination.”

The newspaper willnot knowingly acceptany advertising for

real estate which is inviolation of the law.All persons are herebyinformed that all

dwellings advertisedare available on anequal opportunity

basis.

Houses 4080

STORAGE 20 x 40with 14´ overhead door.

$325/mo. Call (970)481-5899

1 CAR GARAGE- $95/mo.Great for storage.

rmpm.com. 970-669-0842

Garages/StorageSpaces 4070

Large furn room inc utils,phone, cable TV, kitchen,lndry. $380/mo. 970-622-0077

RoomsFor Rent 4130

West Eisenhower Office4 room office suite.Eisenhower Frontage.Plently of off-street

parking. Elegant historicbuilding. $1250/per monthplus utilities for all or

will subdivide. 970-481-7580

OFFICE SPACES-Utilities included.

970-613-1477

Downtown corner loc, bldgw/ 3 ofcs/recept area. 4 carprkg. $1000/mo 970-667-5145

Office Space 4100

NEW HOMES REDUCED!Don´t miss out on this

SAVINGS EVENT! Easyapproval, quick closings &affordable payments.

Tax ID´s welcome. Limitedavailability ACT NOW!!Call 970-420-8488 *wac

✭ 3 BDRM, 1 BATH ✭Remodeled home. West

Hwy 34. $700/mo.Pets nego. Se HablaEspanol, 970-685-8573

✭ 2 BEDROOM HOMES ✭$575 to $650 + dep.

West Hwy 34. Pets nego.Se Habla Espanol

970-685-8573

Mobile Homes/Spaces 4090

✔✔✔✔To ensure you receive

the best response to youradvertisement, pleasecheck your ad the first

day of publication.We regret we cannot be

responsible for morethan one day´s incorrect

insertion. Billinginquiries can be

initiated within 30 daysof ad expiration.

OWN your own home forwhat you pay in Rent!

Lowest rates,$0 - $1000 Down

Free Prequalification.Western Plains Realty

Ken or Tammy970-663-5008

Frederick Home $1200/moNew in 2003 Very nice 3bdrm, 2 ba w/ gar, huge yd,A/C, applcs. 720-201-9667

$99 MOVE IN SPECIAL3 bdrm, 1.5 ba, located inMilliken. $995, 970-310-3855

4 BDRM, 4460 Hayler$1250/mo, fin bsmt, N/P.Call rmpm.com 669-0842

Houses 4080

BANK OWNED, HUD & VAwww.ForeclosuresInLoveland.com

to request a copy of the list!Julie Stinson RE/MAX

Alliance 970-622-1809

A picture is wortha thousand wordsTry a classified picture

ad! Call for details970-635-3650

411 E 12 ST ✭ MLS 637797$124,900, ranch 3 bed,2 bath, 1067sqft,

24x16 workshop. Call Rob(970) 481-2133

At Home Real Estate Co

BANK OWNED-Tri-Lvl, 3 bdrm, 3 bath w/bsmt. New floor coverings,int paint & appliances.$174,900. Re/Max Alliance,Wanda Quaid, 970-481-3033

Loveland 5110

2 ACRE LOT, Berthoudarea, $40K price reduction,$125,000. Call Steve Conderfor details, 303-514-3706.

Lots &Tracts 5100

WOW WHAT VIEWS!2.8 acres, water tap in &paid. Electric close, septicneeded & Ish res irrig wtr.$100K, just SE of Berthoud.Call Mark Sullivan at ERATradewind (303)684-6335

Farms, Ranches,Acreages 5050

The Reporter-Heraldreserves the right todetermine business,

professional orrepetitive ad status.

Exceptional property forliving, business or both.1268 N. Cleveland Ave.Call (970)420-3495

Commercial 5030

Include a picture forGREATresults!

635-3650635-3650

Pictureads work

FAST!FAST!FAST!FAST!FAST!FAST!FAST!

14´X70´ in Adult Park ●Very well kept in greatcondition! 3 bedroom, 2

ba, hot tub, all appliances.Asking $33,500. 1351 SylmarPark. (970)667-5868, lv msg.

Best Buy in Loveland! 3BDRM, 1 3/4 baths, 55+,carport, 2 storage sheds,immaculate inside & out.Drive by 221 W. 57th, LotA-9. $11,995 303-682-1919.

✭ MOBILE HOMES ✭BUYING/SELLING

Local park needs used mobhomes. We´re buying! BigSale! Many single & dblwides. Fin avl, auto ap-proval on owner fin homes.Bad credit OK! Moves avl.

970-222-1473✭ 690-2725 or 690-3283 ✭

Mobile/ManufacturedHomes/Spaces 5130

● TRI-LEVEL- 2400 SF,4 bdrm, 3 bath, updates!$10K lot, $218K. Appt only,970-635-1862. No Realtors

OPEN HOUSESUN 11/14 12 - 3pm

Marianna Butte 3 beds, 3baths. Immaculate inside &out. New kitchen w/gasrange, Walk-out basementNew paint in LR & DR.Best lot, big yard, Veggiegarden. $223,900, $5000 forfull price offer at closing.

970-669-6957

NEW At Foreclosed PricesBoise Village NorthHomes $149k-$219k(970) 456-4600

1899 E 11th St, Loveland

Loveland 5110

H& Front Range GardeningRE

Green Investment

CA RO L O'MEARACSU EXTENSION, BOULDERCOUNTY

If your quality of life isimproved by having alot of strong, silent

types surround you, thelast thing they should haveis a bad haircut and fallinglimbs. Neglected, they be-come unsightly and some-times dangerous, but giventhe right care, they makeeverything around themb e t t e r.

“Trees are one of thecommunity’s greatest as-sets,” said Ken Wicklund,Forestry Supervisor withthe city of Longmont,“they improve water andair quality, canopies keepthings cool. Having treeslive longer is of tremen-dous benefit to all.”

Finding a pro to keepyour tree healthy is not asdaunting as it seems. Be-gin looking for an arborist

by calling your city’sforestry department to askfor their list of licensedtree services; most of themetro cities have tests thecompanies must pass be-fore being allowed to workwithin city limits.

But Boulder is an excep-tion, with no requirementfor tree services to be li-censed. City staff are work-ing to put an ordinance inplace to protect con-sumers by having anyoneworking on trees withinthe city demonstrate proofof skills and knowledge oftree care.

Without such consumerprotection, homeownersare often stumped on howto find reputable tree care,especially followingstorms, when untrainedopportunists go door-to-door offering tree cleanup.Wielding a chainsaw withlittle knowledge, these flyby night trimmers canleave trees worse off, set-ting up the tree for decay,topping it, or endangeringbuildings and property aslimbs fall.

Beyond ensuring properpruning, city forestry li-censing also ensure treecontractors are insuredand trained in safety. In anindustry listed by the Bu-reau of Labor Statistics asone of the top ten mostdangerous professions, alittle regulation helpsguide contractors to ad-here to safety standards.

Once you have your city’slist, narrow down yoursearch by looking for com-panies that have certifiedarborists on staff — itshows they’ve taken stepsto improve their business.But not all experts are cer-tified arborists, and experi-ence counts for a lot inthis industry, so don’t ruleout a companyif they don’thave one aslong as theyprovide refer-ences you cancontact.

If you live inunincorporat -ed areas, callthe closest city

to get the list; often mosttree care companies workover a large region. Avoidcompanies that advertisetopping, a practice of slic-ing the trunk to limit theheight of the tree.

The best time to havetrees pruned is the dor-mant season, when thecost for pruning or re-moval is often lower. Treesshould be trimmed everyfive to 10 years for bothstructure and health, orfollowing a storm if there’sdamage. Once you have ashort list of businesses tocall, Wicklund offers thesetips for hiring an arborist:

• Ask for references, andcall them. Professional af-filiations with the TreeCare Industry Associationor International Society ofArboriculture are desir-able.

• Make certain they haveup-to-date proof of insur-ance.

• Avoid hidden costs bygetting a written estimate,making sure waste woodremoval and stump grind-ing is in the quote if you’dlike it done. If the wood isdiseased or infested withinsects, be sure proper dis-posal of it is included.

• Get several quotes, butdon’t always go for the low-est bid. Since this is a long-term relationship over thelife of the tree, choose thecompany you feel comfort-able with.

• Ask questions such aswhen the work will bestarted and completed, orif the site will be cleanedup by the company.

• Be wary of door knock-ers who stop by just afterstorms. Often they don’thave training or insuranceand can lead to headachesor legal problems.

Search the InternationalSociety of Arboriculturefor a listing of tree careprofessionals in your com-munity at isa-arbor.com,and click on consumer in-formation.

Quality tree care startswith a qualified arborist

Carol O’Meara is withCSU Extension inBoulder County.Contact her at303-678-6238 orcomeara@co. b o u l d e r. c o . u s .

Front Range Gardening

HOMEFrom Page E4

Place two or three table-spoons in the bottom ofyour dishwasher and let itsit overnight. When younext run it, odors washaway. Or you can invest in aself-cleaning dishwasher,like the GE Profile Smart-Dispense line, which willsave you time all yearro u n d .

In order to ensure yourbeds are snuggly in thecooler months, air out win-ter bedding, such as flannelsheets and down com-forters. It’s also a goodtime to flip mattresses andwash pillows.

GET ORGANIZED

Spring isn’t the only sea-son for cleaning. When it’stime for warmer clothing,it’s also time to de-clutteryour closets. Pull out every-thing and sort items intothree piles: keep, toss, ordonate. If you haven’t wornclothing this season, decidehow to get rid of it.

Make sure you haveenough lighting in closetsto maintain good organiza-tion. The right light bulbsmake a big difference, espe-

cially when you’re reachinginto your closet and don’twant to confuse thosebrown and purple sweaters.Choose bulbs that reducedull yellow rays and makecolors pop, such as GE Re-veal CFLs that use a specialphosphor blend to providepure, clean light.

You can also use lightingto spotlight parts of aroom, drawing attentionaway from less tidy areas.For more lighting tips, visitGELighting.com.

CLEAN THOSE RUGS

After a long summer withthe family traipsing in andout of the house, your rugsand carpets have seen lotsof wear and tear. Muddyfootprints, sports equip-ment and wet swimsuitscan take their toll. Now isthe time to steam cleanrugs and carpets before theholiday entertaining sea-son.

You can do-it-yourself byrenting a commercialsteam cleaner or hiring acleaning service. Considersteam cleaning drapes, so-fas, chairs and other uphol-stery at the same time.

A little preparation nowcan help you save money,stay cozy during winter andspend less time cleaningwhen spring returns.