Real Estate Guide

Saturday Reporter-Herald July 31, 2010 E1

www.homeandrealtyguide.com Saturday, July 31, 2010 Reporter-Herald

Real EstateMatters

• •

� See GLINK/Page E3

Brothers flip FrontRange homes for

pr ofit

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Fix andFlip

Director yPPPaaagggeee FFF333

Inside this week’s Home & Real Estate

PPPaaagggeee EEE444

8th AnnualPond

Parade

How to helpa friend inmor tgage

t ro u b l eILY C E GLINKTRIBUNE MEDIA SE RV I C E S

Question: I'm not particu-larly knowledgeableabout many financial

ventures, but I want to under-stand if and how I can help myfriend.

My friend has a house and owesmore than the house is worth.He took out a second mortgage,ran up his credit cards, and hasseveral liens against the property.

His ex-wife was in bankruptcybefore they got together. Now hishome of 34 years might bepulled away from him. He has se-vere credit problems and he isnot old enough for a reversemortgage.

Are there any programs thatmight help him save his home?What would happen if I paid himfor half of his house?

Answer: It's clear from your e-mail that you are a thoughtfuland generous person, and yourfriend is lucky to have you in hislife.

However, what you're proposingcould easily destroy your finan-cial stability, so you'll want totake every precaution to protecty o u r s e l f.

Start by speaking with a knowl-edgeable real estate attorneywho can help you look much fur-ther into your friend's invest-ments, debts, homeownershipproblems and so forth. It's greatthat you want to help, but youdon't know what kind of financialquicksand you might step into,and you need to make sure youhelp in a way that doesn't windup hurting you. I can't recom-mend you help until you have avery clear picture of what yourfriend is facing financially.

Before you put one dime to-ward this problem, invite yourfriend to spend some time withyou and your attorney going overeverything. Try to figure out whyhe is in so much debt, how farunderwater the house is, andwhat options and opportunitiesexist to help him out.

See if he has any other assets,and discuss when and how hemight pay back a loan from you.Focus on what kind of deal youcan make for your dollars — onethat ensures you will get back ev-ery cent you invest (because thisis an investment and not a gift) ifyou decide to do that. If youchoose to give your friend a giftto help him out of his problems,that's your choice. But if you ex-pect repayment, you need toknow more and you need to havea discussion about your expecta-tions for repayment in the fu-ture.

If your friend can't — or won't

C o nv e n i e n tlocation withamenities for

the wholef a m i ly

Oakwood HomesAffordable, luxury homes, easy process

RH PhotosAbove: The two-story Kendall model in the Carson Collection starts at $249,200 and will befeatured in the Denver Home Show beginning Aug. 14.

RH PAID AD V E RT O R I A L

Oakwood Homes buildstheir homes and commu-nities around what home-

buyers desire. Being a hometownbuilder, Oakwood knows what isimportant to families in Col-orado and offers high quality, af-fordable homes for any lifestyle.While being the fastest growingcommunity in Northern Col-orado with nearly 60 sales thisyear, Thompson River Ranchgives families comfort, conve-nience and affordability. Visit thecommunity and see how you canpersonalize your dream home.

If you haven’t visited the com-munity before, no time is betterthan now. With loads of ameni-ties ranging from the new pool,disc-golf course and miles oftrails, Thompson River Ranch re-minds you why people love to livein Colorado. You don’t have todrive far for this community’sopen space living. Located southof Hwy 34 along the I-25 frontageroad, easy access and conve-nience add to the many reasonsto be in this community.

Beginning August 14, the two-

story Kendall model in the Car-son Collection will be featured inthe Denver Parade of Homes.With three bedrooms, two-and-a-half baths, expansive great roomand spacious kitchen over 2, 438square feet, you can feel the lux-ury in every detail — except theprice. Starting at $249,200, theKendall perfectly blends afford-ability with comfortable livingand provides plenty of room forthe growing family.

The New Beginnings collec-tions in Thompson River Ranchprovide first time homebuyerseven more choices in affordabili-ty. You can view and customizethe community’s 15 availablefloorplans at their website,

www.HomesPeopleL ove.com.With prices starting at $154,900,you could be paying the same permonth that you are for rent. Notonly that, but every Oakwoodhome is energy-efficient and willsave you $100’s each month onutility bills.

Still looking for more savings?Oakwood Homes just announceda new program allowing home-buyers more personalization andsavings in their home. Be sureto ask the sales associates atThompson River Ranch abouthow you can get 24,000 home-buyer credits to design yourdream home the way you want it.Take advantage of the incentiveand create your dream home

t o d a y.Stop by today and find out

more about Oakwood’s home-buyer credits and the affordablehomes in Loveland. ContactMike Welty or Tina Shearon at970-669-9801 with any ques-tions. To get there: from I-25take Highway 34 eastbound,take your first right at Thomp-son Pkwy., then right at RonaldReagan Blvd. which takes you tothe Frontage Road. Take a lefton the frontage road and youwon’t miss the entrance to thecommunity. You can tourThompson River Ranch thisweekend from 10-6 p.m. Visitwww.HomesPeopleLove.com foradditional information.

Miki Roth,Br oker/Associate

Partner, The Group, Inc.

PPPaaagggeee EEE222

Realtor ofthe Week

Saturday Reporter-Herald July 31, 2010 F1

FixLocal brothers flip Front Range houses and start

investment club to help others

Above: are before and af-ter shots of a kitchen atone of brothers Mike andGreg Vogel’s investmentproperties that was fixedup and is now being rent-ed in Ft. Collins.Right and below: A bath-room before remodelingand after remodeling atthe Ft. Collins rentalp r o p e r t y.

LINZY NOVOT N YFOR THE RE P O RT E R -HERALD

They called the house thePink Dragon and it ush-ered in Mike and Greg Vo-

gels' careers in real estate.In May 2006, the brothers,

along with some friends, beganwork on their first fix-and-flipproperty. They painted over thepink walls, the inspiration be-hind the name, remodeled thekitchen and the home's onlybathroom. Thinking the bath-room remodel would only taketwo weeks, they dove right in.Three to four months later, thebathroom was complete. Gregrecalls taking showers in thebackyard, with a hose they ranover a tree. Local businesseswere frequented for restrooms.

Although living in the homeduring renovations was hard, itdid allow the group of friends tosave money. Another moneysaver was doing the renovationsthemselves. Home Depot wastheir resource as they learnedfrom employees how to dothings. The brothers said thatemployees must have run at thesight of them, with all of thequestions they asked.

To finance the remodel, Mikeworked as a bike mechanic andGreg as prep cook at Avo-gadro's. In a year's time, thegroup of friends were able totake the Pink Dragon and trans-form it into a rental propertythat they still own today, somefour years later. Being their firstflip, it was a tremendous learn-ing experience.

Mike and Greg first becameinterested in real estate as away to build their wealth. Thereis unlimited potential in real es-tate, it seemed fun and it is away for a person to take controlof their finances, lives and re-tirement funds, Greg said. "Idon't want to be at the mercy ofa company."

Fix and flips are propertiesbought by investors, remodeledand sold for potential profit.The remodeling of the property,also known as rehabbing, canbe as little as replacing the car-pet and painting the walls orcan be as big of a project ashome additions or re-doing theproperty's wiring and plumbing.Rehabbing is generally done inas little time as possible be-cause the real estate marketfluctuates so rapidly, Mike said.

"The market is unpre-dictable," Greg added. Waitingtoo long can also decrease aninvestor's chance at making aprofit on the flip. Not choosingthe right property can be anoth-er factor that leads to losing

m o n e y.The brothers, along with

friend David Lund, rehab oldhomes that are typically valuedunder $300,000 in the FortCollins area, but they haveworked in Loveland. When look-ing for homes to flip, they lookfor homes that are in the cen-tral part of the city, where morepeople live. We buy a house noone else wants, Mike said, butthey stay away from homes onbusy streets. Homes they planto flip are purchased underval-ue.

They look at these homesfrom the perspective of the po-tential home owner. Of thehomes they flip, 95 percent areforeclosed. When rehabbing thehouses, they like to choosehomes that will not take morethan four months to renovate. Aforeman, who is typically a gen-eral contractor, will oversee theproject and be on the lookoutfor any potential unforeseen is-sues or surprises. When lookingat how much money the renova-tion will cost, it is important tofactor in additional money forthese surprises. Mike and Gregsaid they have had homes thatneeded a new sewer line or roof.Having money put aside helpedensure these fixes were com-pleted.

People do not necessarilyneed to have money to fix andflip homes. Hard money is oneavenue to pursue. Hard moneyis money lent to people whospecifically want to fix and fliphomes. As well as being an in-vestor, Mike is also a hard mon-ey lender. Greg works with peo-ple on repairing their credit.People can also get private in-vestors to finance the fix andflip.

Although done as quickly aspossible, it is important not tocut corners when flipping ahome, Greg and Mike said.There are fix-and-flip investorsout there who are more con-cerned with their net profitthan with the person or familywho will eventually rent or pur-chase the home, but it is a mat-ter of ethics to get the job doneright, the brothers said. Anethics policy is strongly upheldin the association that thebrothers founded with a friend afew years ago. The associationalso educates investors on waysto avoid losing money in real es-tate.

In April of 2008, Mike andGreg, along with Lund, foundedthe Investment Club of theRockies (ICOR). The associa-tion, which works with the Na-tional Real Estate Investors As-sociation, educates investors on

the realities and potential profitof real estate. There is an abun-dance of information on real es-tate and the association helpsdecipher that information andrelate it to its members, Gregsaid. Members of the associa-tion are people who are inter-ested in investments, rentalsand fix and flips. Fifty to 60 per-cent of the club's memberswant to invest, but do not knowwhere to start or may be put offby the risk associated with realestate.

Guest speakers are brought inthe association. Speakers areselected carefully before beinginvited to speak at one of themonthly meetings to avoid hav-ing misleading information pre-sented to the associationsmembers. On July 22, RobynThompson spoke at ICORsmonthly meeting. She has mademillions of dollars fixing andflipping homes and she gave abrief outline of how she does it.Also at meetings, members ofthe association are educatedabout the market, tax codes, le-galities associated with real es-tate and insurance. Daylongboot camps are offered as wellas small group learning oppor-tunities.

Cindy Szponder, InvestmentClub of the Rockies member,joined in January to familiarizeherself with the investmentcommunity and to take advan-tage of the training classes theassociation offers.

Another reason Szponderjoined the association was as away to network with other in-vestors. ICOR is a community ofinvestors and real estate agentswho share experiences and ex-pertise. They not only learnfrom one another, but also pro-vide each other with inspira-tion. Szponder likes beingaround people who are interest-ed in investing. The membershave a drive, willingness and de-sire to be successful in real es-tate, Mike and Greg said. Theinvestors become friends andbuild their teams with themembers they meet at the asso-ciation. These teams are com-posed of people crucial to mak-ing fix and flips successful in-cluding contractors and real-tors. Members work togetherfor success, Greg said.

Szponder, along with her hus-band, purchased a four-plex inJohnstown and a home in Love-land. Both needed a lot of work.The Johnstown property neededhelp in the boiler room and anew roof. The Loveland homeneeded a new roof as well. A lo-cal painter and roofer were em-

� See Fix n' Flip/Page E3

Photos courtesy of Mike Vogel

andFlip

Before and after

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H& Real Estate TransactionsRE

Real Estate Transactionsare supplied by Prospects Un-limited Inc., 1151 EagleDrive No. 467, Loveland, CO80537, 667-1537.

L oveland• Cody & Jennifer Balzer

from Vanbaren Frank &Eileen, 1302 Cleveland Ave,Loveland, $277,100, home

• Reyne Woolf from AugerColleen, 3955 Boulder Dr,Loveland, $166,000, home

• Rita Doherty from Om-ni Construction Inc Lov,346 Lavastone Ave, Love-land, $205,000, home

• David & PatriciaCarmichael from Saul KimA & Debra Ann, 701 CoveCt, Loveland, $375,000,home

• Paolo & Melanie Pan-dolfi from Biggert Henry A& Orlene M, 2733 27th CtSw, Loveland, $280,000,home

• Darrell & Mary Austinfrom Fannie Mae, 2125Tonopas Ct Unit 101, Love-land, $152,000, condo

• Robert Hill from FederalHome Ln Mortgage Corp,1414 S Douglas Ave, Love-land, $107,600, home

• William Davis fromCallahan Timothy L & KayJ, 1202 Paloverde Dr, Love-land, $182,000, home

• Trevor Brown fromChoate Ross M & Margo D,6209 Sea Gull Cir, Love-land, $285,000, home

• Steven Arnold from Al-fred Patricia N Jefferson Tr,

2800 Crestview Ct, Love-land, $285,000, home

• George & Violet Nieder-mayr from Brookes Simon P& Gretchen A, 1963 GraysPeak Dr Unit 101, Loveland,$132,000, condo

• Anderson Souza fromFiske Clifford Gene & KathiA, 1924 Seven Lakes Dr,Loveland, $465,000, home

• Allen Greenspon fromGraham Nancy E & Gary L,4104 Red Bird Pl, Loveland,$240,000, home

• Monique Rodriguezfrom Daoust Jean Jacques,1543 S Estrella Ave, Love-land, $170,000, home

• Raymond Beede fromElsner Jeffrey, 1220 EilenePl, Loveland, $168,500,home

• Philip & Robin Hurwitzfrom Michael Wayne SalzaLiving Tru, 3230 ChallengerPoint Dr, Loveland,$400,000, home

• Joseph & Debra Suessfrom Mitchell Bradley J &Melissa L, 1810 Oxford Dr,Loveland, $228,000, home

• Christopher & JenniferMcc from Morgan Nick J &Sarah J, 4440 Wolcott Dr,Loveland, $379,000, home

• Larry Peterson from Pa-tricia A Torbeck Trust, 1914Dotsero Ave, Loveland,$182,500, home

• Dana & Stephen Ottefrom Philbrick Bruce O,3636 Fletcher St, Loveland,$230,000, home

• Dorothy Baldwin fromSeventh Day Adventist Assn

Col, 1956 Canterbury Ct,Loveland, $215,000, home

• Norman Monk fromStewart Joan C, 1712 Pon-derosa Dr, Loveland,$450,000, home

• Charles Griffin fromThorpe Jace & Brenda A,1102 Heather Dr, Loveland,$160,500, home

• Bruce Fancher fromCone Christopher J &Karen M, 1925 Mas-sachusetts St, Loveland,$397,500, home

• Marilyn Pett from Fan-nie Mae, 4460 Walden Ave,Loveland, $235,000, home

• Benjamin Wisner fromFrancilla G Tuenge Trust,8100 Woods Rose Ln, Love-land, $885,000, home

• Sarah & Jason Billeterfrom Henson Laura R, 1644Oak Creek Dr, Loveland,$139,900, home

• Jenna Macleod fromLoveland Habitat For Hu-manity, 2109 Sagittarius Dr,Loveland, $161,800, home

• Rachel Knorr fromMcghee Donald K & JeanneR, 3428 Northshore Dr,Loveland, $248,000, home

• August & Regina Cordo-va from Montoya Robert H& Eloise E, 909 21st St Sw,Loveland, $150,000, home

• Michael & BrittainLutze from Pettit Michael D& Patricia J, 3701 MinturnDr, Loveland, $212,000,home

• Lori Latka from SylvanDale Development Co, 2833Ellis Ranch Ln, Loveland,

$240,000, home• Frank & Luci Roberts

from Fannie Mae, 1550 ToriDr, Loveland, $179,900,home

Berthoud• David Garman from

Ramirez John R & Judith,654 Munson Ct, Berthoud,$238,000, home

• Leeann Prodoccini fromFannie Mae, 830 Douglas Pl,Berthoud, $157,000, home

Estes Park• Dolores Trust from

Mountainview VacationsLLC, 726 Black Canyon Dr,Estes Park, $348,000, home

• Hope Flack fromCramer Steven L & Dawn A,1535 Raven Cir Unit H,Estes Park, $265,000, con-do

• Kyle & Amanda Rockersfrom Walters William D &Bill D, 626 Little ProspectRd, Estes Park, $217,500,home

• Ray & Janet Thurmanfrom Fannie Mae, 900 Whis-pering Pines Dr, Estes Park,$339,900, home

Johnstown• Jared Thigpen from

Oakwood Homes LLC, 3919Heatherwood Cir, John-stown, $204,900, home

• Robert & Debo Dugginsfrom Hotaling Tyler W &Cristina M, 1740 SuntideDr, Johnstown, $189,800,home

• Stephen Lindsey fromTremel Steven J, 424 Gyp-sum Ln, Johnstown,$160,000, home

• Penny Brandt from

Pointer David W & Dawn M,5301 Cherrywood Ln, John-stown, $235,000, home

• Anne Ison fromDoucette David G, 3747Morrison Ln, Johnstown,$219,500, home

• Nicholas Bukowski fromBankunited, 235 BasswoodAve, Johnstown, $205,000,home

M i l i ke n• Rajmon Williams from

Sittler Jason & Jennifer,206 S Marjorie Ave, Mil-liken, $177,000, home

Severance• Pete & Tina Descant

from Tausan Ronald L &Luellyn M, 4404 Indigo Dr,Severance, $365,000, home

Windsor• Jeannie & Marinda

Moore from Fannie Mae,1012 Valley Dr, Windsor,$175,000, home

• Michael & ReginaWarne from Graves James N& Linda R, 8408 MorningStar Ln, Windsor, $515,000,home

• John & PatriciaStephenson from JohnsonTheodore B & Christin, 308Habitat Cv, Windsor,$375,000, home

• Sandra Buchholz fromNorth Shore Holding CoLLC, 940 Cornerstone Dr,Windsor, $188,000, home

• Lynn Marston fromSitch Janice L & David D,313 Amber Dr, Windsor,$200,000, home

• Jeffrey Pyle from WarneMichael K & Regina A, 111Whitney Ct, Windsor,

$257,500, home• Glenn & Darla Alte-

mose from Weidel Con-stance J, 113 Apple Way,Windsor, $150,000, home

• John & Amanda How-ton from Zapf Michael A,1263 Horned Owl Ct, Wind-sor, $790,000, home

• Elliot & Jessica Ballfrom Aalbers Marinus John,240 Sandstone Ct, Windsor,$172,000, home

• Kay Tiff from CaldwellNancy Ann, 124 BeaconWay Unit 3b, Windsor,$120,000, condo

• Timothy & RobbieThomas from ChristmannHeinz & Joann Sloan, 1502Yonkee Dr, Windsor,$380,000, home

• William & Tamara Jenk-ins from Long Family Trust,5521 Fairmount Dr, Wind-sor, $498,000, home

• Donna Lebsack fromBall Elliot J, 811 2nd St,Windsor, $129,000, home

• Frank & Ingrid Rabefrom Fed Home Loan MtgCorp, 1716 Green River Dr,Windsor, $230,000, home

• Amanda Thompsonfrom Hageman Greg &Heather, 804 Durum St,Windsor, $226,000, home

• Mark & Dana Dunlapfrom Melody Homes Inc,1581 Edenbridge Dr, Wind-sor, $211,000, home

• Joseph & PatriciaSchofield from KenrickConstruction LLC, 6014Woodcliffe Dr, Windsor,$400,000, home

Mortgage rate update

30-year fixed

15-year fixed

5/1 ARM

This week Last week Tre n d

4.60%

4.07%

3.67%

4.62%

4.09%3.64%

Home & Real Estate isproduced every Saturday

by the Loveland DailyReporter-Herald.

EDITORIAL INFORMATION635-3656

DISPLAY ADVERTISING669-5050

CLASSIFIED ADVERTISING635-3650

For home and real estateadvice, features and

information, visitwww.homeandrealtyguide .com

Regional Snapshot for Loveland/Berthoud Residential

April 2010 May 2010 June 2010

Active Listings 1126 1117 1101Previous Year Active Listings 1069 1080 1095

Sold Listings 138 158 169

Median Sales Price $199,900 $214,500 $234,000Previous Year Median $183,500 $198,000 $207,500

Average Days on the Market 105 117 132Previous Year ADOM 127 125 121

Year to Date Listings Sold 401 559 728Previous Year YTD Listing Sold 334 440 579

Monthly Volume $34,199,536 $39,407,269 $47,395,158Previous Year Monthly Volume $23,882,898 $24,919,043 $34,313,560

Miki RothMeet

BROKER ASSOCIATE/PARTNER, THE GROUP, INC.

L ocation: 5401 Stone Creek Circle, Loveland

Contact: 970-690-9459, [email protected],w w w. t h e g ro u p i n c . c o m

Designations, Affiliations & Accolades: Certified Distressed Property Ex-pert, Certified Negotiation Expert, Certified Residential Specialist, GraduateRealtors Institute, Master of Real Estate, Quality Service Certification, Mem-ber of Local, State and National Board of Association. Loveland BerthoudAssociation of Realtors: Board of Directors; Chairperson, Community Rela-tions Committee; Member, Education Committee, Member, ProfessionalStandards Committee. Past member of CARHOF Committee, Political Ac-tion Committee.

From Miki Roth: “I work with buyers and sellers of existing homes as wellas new construction in all price ranges. I love to find just what the buyer islooking for in a home and help them get it. I love to work with sellers tomarket their home and get it sold so they can get where they need to go. Ilove to meet these people as customers and end up keeping them as friends.That what the business is really all about—people.”

H& Realtor of the weekRE

METRO NEWS SE RV I C E S

The advancement of build-ing technologies is mak-ing home ownership today

a far more valuable asset.One illustration of this is an

innovative system for buildingconcrete walls, which over time,is expected to totally eclipse theold wood-frame method. Thisnew level of ingenuity in modernconstruction means that thebest of the builders need to re-train continuously to stay aheadof the curve on the latest — and

greenest — materials, methods,systems, and techniques.

"Where in the past buildingswere created by parts andpieces, the focus now is on inte-grated systems for top efficien-cy," says Todd Blyth at Nudura, aleading name in constructiontechnology. "And most decisionsstart with the walls, ceilings andfloors."

"Indeed, most people want thestrongest, most attractive, andmost energy efficient structurepossible, and therefore the totalbuilding envelope requires care-ful consideration," he said. To

get an inside look at this con-crete option, and its benefits, goto www.nudura.com. Buildersregularly use this site as a re-s o u rc e .

Benfits of ConcreteThe wall-building Nudura sys-

tem consists of pre-assembled,interlocking forms delivered tothe construction site.

"Each form is designed withtwo stay-in-place panels ofpolystyrene connected with ahinged folding web, makingtransportation easy and assem-bly quick, with no waste," saysTodd Blyth at Nudura, a leading

name in construction technolo-gy. "The forms (like Lego) arestacked, reinforced, and thenfilled with concrete, creating theindustry's strongest walls."

The building industry viewsthis innovation as a win-win forall involved: the architects getunlimited design possibilities;builders cut their constructiontime in half; and the homeownerhas the satisfaction of choosinga major green component fortheir house. The Nudura wallsystem contributes to standardsset by LEED (Leadership in En-ergy and Environmental Design)

the international benchmark forsustainable high performancebuildings.

"A concrete building envelopeof this kind delivers twice theenergy efficiency of stick-framewalls," Blyth continued, "andthat could translate to a 70 per-cent saving on your bills. Yourhome will also be far less proneto wood rot, mustiness and mold-- and be up to three times moresound resistant, four times morefire resistant, and up to ninetimes stronger without draftsand cold spots."

Pre-assembled concrete walls green, save energy

ARA CONTENT

The average price of electricityfor American homeowners hasincreased nearly 40 percent in

the last 10 years, according to the U.S.Department of Energy, costing home-owners hundreds of dollars on utilitybills.

"With energy costs rising right alongwith demand for electricity, more andmore homeowners are seeking out al-ternative energy sources like solar en-ergy to help cut utility bills," says Vic-tor Gonzalez-Maertens, a home cool-ing expert with Lennox.

One easy way homeowners can takeadvantage of solar energy at home isthe new SunSource Home Energy Sys-tem, which was introduced by Lennoxthis year. The system is based on a

high-efficiency air conditioner or heatpump that is solar-ready, which meansa homeowner can add solar modulesto create a solar energy system, if andwhen they want one.

Solar water heating systems, whichfeature water storage tanks and solarcollectors, also can help homeownerssave between 50 and 80 percent ontheir water heating bills.

Another potential area where home-owners can save with solar is on land-scape lighting. Home improvementstores now sell outdoor solar lightingsystems that are easy to install and op-erate at no cost because they essen-tially provide free electricity.

For more information about new en-ergy-saving technology, visitwww.Lennox.com or www.ItPaysto-LiveSmart.com

Easy indoor solar waterheating and lighting

available


RERE

METRO CR E AT I V E SER -VICES

Homeownerslooking to addpizazz and ex-

tend their livingspaces to the out-doors routinely turnto outdoor kitchensto achieve their goals.

At its simplest, anoutdoor kitchen caninclude some camp-site cooking stovesand a picnic table.However, most home-owners are lookingfor something a littlemore functional andimpressive. It's notuncommon to findeverything from re-

frigerators to pizzaovens to granite-topped prep stations.

The outdoor leisurelifestyle industry nowbrings in $6.2 billionin annual revenue.And according to athird-party surveyconducted for Webergrills, purchases onoutdoor appliances isup by 8 percent, atelling figure in aneconomy yet to fullyrebound from the re-cent recession.

Homeowners hop-ing to add an outdoorkitchen to theirspaces have to ad-dress some factorsfirst. Naturally, bud-get is one of thebiggest concerns.

Once the financialsare ironed out, loca-tion is the next factorto consider.

There are advan-tages and disadvan-tages to having theoutdoor kitchen lo-cated close to thehouse. Some of thebiggest advantagesinclude reduced costsrunning water,plumbing, electric,and natural gas tothe outdoor kitchen.There's also the con-venience of proximityto the house for car-rying food items out-side.

On the other hand,having the outdoorkitchen located tooclose to the housecould make it feellike the rest of thehouse. And if the out-door kitchen is tooclose, contractorsmight be forced tofactor an exhaust sys-tem into the designto draw heat andsmoke away from thehouse.

Location of the out-

door kitchen will alsohave to take into con-sideration the size ofthe yard. Those with alarge property canhave an expansivekitchen. Individualswith a smaller yardmay have to scaleback and ensure theircooking and lifestylehabits don't infringeon the neighbors.

Whether thekitchen is locatednear or far from thehouse, homeownersshould think aboutsome sort of protec-tion from the ele-ments. A shelter caninclude a buffer wallto ward off wind andweather and somesort of overhang forshade and otherweather protection.This way the outdoorkitchen and enter-taining spaces can beenjoyed even if thereis light rain or blaz-ing sunshine.

It's more than sim-ply cooking outside,too. Outdoorkitchens are about

bringing the enter-tainment experienceoutside. The kitchenis the central gather-ing point of thehome; therefore itmakes sense to offera similar space thefamily will enjoy out-doors.

With this in mind,many homeownersare choosing weath-erproof cabinetry,lighting, storage, fire-places, music, andother accoutrementsto make their out-door kitchens theepitome of luxury. Icemakers, deep-fryers,smokers, wine cool-ers, and so many oth-er accessories areroutinely showing upin outdoor kitchendesigns.

Gone are the daysof a simple charcoalgrill and a few patiochairs. Outdoorkitchens are revitaliz-ing al fresco enter-taining and addingconsiderable value tohomes across thecountr y.

Outdoorkitchens

add to familyliving space

ThinkStock Photo

Open Houses This Weekend - www.thegroupinc.com

SATURDAY 12:00 - 3:00SUNDAY 1:00 - 3:00905 Woodbine Drive, Windsor - Completely remodeled this 4 bed, 2 bath, home has it all. New �le entrance, bathrooms & kitchen, carpet, paint, roof, vinyl siding, appliances, & more. Central A/C, Huge fully fenced yard, large deck, sprinkler system, fireplace, finished oversized garage, satellite.

1225 E 4th Street, Loveland - Two homes for one low price!! Main house features two spacious bedrooms, separate family and living room areas. Hot tub. BONUS: Separate 1 bedroom, 1 bath home that currently rents for $535 per month. Home. Warranty Included. Hosted By: Mark Moran 218-1891.

SUNDAY 11:00 - 1:00

SATURDAY 1:30 - 3:30SATURDAY 1:00 - 3:00

1070 Scarborough Drive, Loveland - Ranch style with walkout basement backing to large neighborhood greenbelt, 4 bdrms, 3 baths, 2,622 sq � (all finished), vaulted living room, 12x16 master suite, north Loveland loca�on.

4902 Single Tree Drive, Loveland - Beau�ful 2 story country home on 1/2 acre in the Prairie Trails subdivision.5 bedrooms (or 4 bdrms & home office), 3 baths, 3 car oversize garage, master suite with private 2nd story deck, low maintaince yard with waterfall.

1529 Dryland Street, Loveland - Brand new ranch style floor plan completed at Ta� Farms by Keirns Construc�on! Tandem 3 car plus RV parking. Several other plans and lots to choose from! Call for details.

Call Don A. Riedel679-8265

Call Don A. Riedel679-8265

Call Julie Hart481-1443

$239,900MLS#633012

$400,000MLS#634436

$299,900MLS#624979

SATURDAY 12:00 - 2:001742 Manchester Court, Loveland - Immaculate4-level on corner lot w/ all new floor coverings, vaulted ceilings in formal dining w/ bay window & master bed w/ walk-in closet, new kitchen counters & island, new �le backsplash, & gas log fireplace in family room.

Call Mary Laing690-7288

$210,000MLS#632731

SUNDAY 1:00 - 3:00530 Deer Meadow Drive, Loveland - Enjoy the final opportunity for a lifestyle on Mariana Bu�e Golf Course! Golf course lifestyle with no membership fees. Peaceful, quiet se�ng with tranquil views that overlook golf course, water and the front range. Robert Walkowicz 377-4945.

Call Nancy Walkowicz461-7136

$899,000MLS#586010

SATURDAY 1:00 - 3:00810 Village Drive, Milliken - Model home for sale! Ranch and 2 story plans to chose from, with 3 bedrooms & 2 baths. Front yard landscaping with sprinkler included. Visit the model home at 810 Village Dr or call for a personalized showing!

Call Kelli Couch310-8804

Call John Simmons481-1250

Call Cindy Kurtz962-6832

$169,900MLS#624598

$167,500MLS#634580

$164,900MLS#632018

SUNDAY 1:00 - 3:003845 Downieville Street, Loveland - Spacious 2-Story with Lo�! Wood floors, open kitchen to family rm, master w/ lrg walk-in closet & bath, office/study(or possible 3rd bdrm). Spacious covered front porch. Backs to public open space & is par�ally fenced. Blue Ribbon Home Warranty!

Call Kelli Couch310-8804

$189,900MLS#634387

SUNDAY 1:00 - 3:00787 Beaver Cove Court, Loveland - Owner wants an offer. Desirable golf course community. Gorgeous alder wood cabinets & granite countertops. Enjoy mountain views. Backs to 7th fairway of Mariana Bu�e golf course, abundant wildlife, so much more. Hosted by: Denise Kloster 402-9100

Call Cindy Kurtz962-6832

$795,000MLS#620225

NEW LISTING!

NEW LISTING!

SUNDAY 11:00 - 2:001625 Tiger Avenue, Loveland - 2 story home in SW Loveland. 4 bd+lo� , 3 bth w/a family room, formal living & dining. New carpet, paint, lights & more. Corner lot w/beau�ful landscaping. Gardens, sprinklers, pa�o, fenced yard, central A.C., RV/Boat Parking.


$237,500MLS#633686

SATURDAY/SUNDAY 1:00 - 5:0010818 Cimarron Street #204, Firestone - Fully upgraded, wrap around covered porch + outside storage, hardwood floors, fireplace, breakfast bar, full 2nd bath w/�le floor, a�ached gar w/storage access, AC, Master Suite & 5-pc bath, walk in closet, Flat screen TV included.


$179,000MLS#631317

ONLY 4 UNITS LEFT

SATURDAY/SUNDAY 12:00 - 5:001002 Burrowing Owl Drive, Ft. Collins - Popular ranch floorplan! 3 bedrooms + a study. Approx 1,807 finished sq � + an unfinished basement. Lots of upgrades throughout – Tharp maple cabs, hickory floors, all appliances included + front yard landscaping and rear yard fencing!!

Call Dianne Breneman222-8549

$299,900MLS#626289

SATURDAY/SUNDAY 12:00 - 5:001014 Burrowing Owl Drive, Ft. Collins - Welcome to Waterleaf! Smartly Designed Homes for Northern Colorado Living. Choose from 4 ranch & 5 two-story floor plans. All appliances included. Amazing list of included features! Pricing from upper $200’s to low $400’s.

Call Ma� Thompson443-9910

$305,000MLS#621243

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 $324,000MLS#607818

SUNDAY 1:00 - 3:003817 S Co Rd 29, Loveland - Home on 35 acres! Ranch style home w/ 3bds + an office, formal dining rm, great rm & a wonderful kitchen. Granite, custom cabinets & SS appliances. The walk-out basement is perfect for future expansion.

Call Rich Gardiner227-0964

$539,000MLS#629611

SATURDAY 12:00 - 2:002253 Jones Place, Loveland - This 3bdrm + office, 4bath home is sure to meet your needs. Mtn views! Master suite w/firepl,si�ng rm& deck. Each bedrm has a private bath. Great loca�on convenient to Loveland, Longmont & Boulder.

Call Kathy Boeding231-9073

$600,000MLS#627673

www.thegroupinc.com/1625

PRICE REDUCED!

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.

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Rates near all time lows

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LMB100008942Check the license status of your mortgage loan originator at http://www.dora.state.co.us/real-estate/index.htm

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Your Local Family Mortgage Company.Here yesterday, today and tomorrow.


Fix n' flipFrom Page F1

ployed and Szponder said it felt goodto employ people in the community.She likes to keep things in the localeconomy and give people a goodplace to live. The home in Lovelandis now being rented and she is in theprocess of selling the four-plex.Szponder is looking for her nextplace to fix and for someone to buyand who can feel pride in owning ahome that was once run-down.

Investment Club of the Rockiesmembers have access to discounts atHome Depot, Uncle Bennys, SherwinWilliams and Sears to name a few.Membership is $165 a year, but col-lege students can join for free. It iswith this membership that membershave access to networking, work-shops and speakers who are wellversed on real estate. Guests are wel-come to attend one of the associa-tions monthly meetings for free, butthereafter it costs $15 and will be-come free if a membership to the as-sociation is purchased.

Greg and Mike Vogel, as well asSzponder, are taking homes thatwould otherwise not be bought and

are fixing them up to be the value ofthe homes in the community. Theyare giving the homes that they fixand flip life again. Members of theassociation like to think of what theyare doing as NIPS or neighborhoodimprovement projects. Locals are be-ing employed to help with the reno-vations of these homes, property tax-es go to the city’s government andmaterials are purchased from localhardware stores. This is Greg andM i ke ’s careers and growth has notjust been in their wealth. They haveexperienced inner growth as well.Mike said the way he views peopleand money has changed and that re-al estate investing has made himsmarter, wiser and more thoughtful.Real estate investing and fix and flipswill not only help a person to growtheir wealth, it will also affect a per-sons philosophical outlook. Fix andflips are not only a way to make mon-ey, they are a way to help the com-munity and bring homes back to theway they once were.

More information on this story canbe found at the Investment Club of theRockies website, www.icorock-ies.com. Find more on hard money atwww.mikeshardmoney.net. Greg Vo-gel can be reached at 970-449-4304and Mike Vogel at 970-430-5533.

LINZY NOVOT N YFOR THE RE P O RT E R -HERALD

The July 22 monthly InvestmentClub of the Rockies meetingstarted off with members net-

working and a market update fromagricultural and regional economistJohn W. Green, who said that homesunder $250,000 are selling fast, whichis good news for fix and flip investors.The highlight of the evening wasRobyn Thompson with her insights, ad-vice and knowledge on how to fix andflip homes. She has been speakingacross the country for the past nineyears.

Faced with a lay-off from her job, andworking full-time as a waitress,Thompson turned to real estate as hernew career 13 years ago. Her first pur-chase was the condo for sale next toher condo in Waterbury, Conn. Knownas the “Queen of Rehab,” Thompsonhas fix and flipped 301 homes in the13 years she has been in real estate.Although she has flipped many homesshe said that “it’s not quantity, it’sq u a l i t y. ” She makes her homes “d ro pdead gorgeous” with remodeled bath-rooms and kitchens. She adds up-grades that homes in the $200s do nottypically have like Jacuzzi bathtubsand waterfall shower heads.

Her four steps to a fat check includ-ed finding a high profit deal, findingmoney, fixing the house up and sellingthe house. To find a home to fix,Thompson suggested looking at pre-foreclosure lists and estate sales. Fix

and flips can be funded by hard money,with a partner or with private money.When fixing the house up, it is impor-tant to hire licensed and insured con-tractors who will get permits and ap-provals. It is essential that the contrac-tors will get the job done efficientlyand correctly, she said. When sellingthe home, Thompson hires a top sell-ing realtor in the area of the home sheis selling. The realtor she chooses typi-cally sells 60 percent of their proper-ties in the first 10 days the propertiesare on the market.

Thompson has made millions fixingand flipping homes and she said ittakes a lot of work to make thatamount of money. She has taken ev-erything she has learned from work-shops and from all of the homes shehas renovated so that she can teachothers how to make money in real es-tate. Thompson said that educationmakes a person rich and it is what aperson can learn from her and fromdoing fix and flips themselves that canhelp a person make money and be-come successful in real estate.

Thompson is teaching a day longboot camp today from 9 a.m. to 5 p.m.at the Best Western on Hwy 34 and In-terstate 25 in Loveland. She will teachparticipants her fix and flip techniquesin great detail. Cost is $39 for Invest-ment Club of the Rockies membersand $59 for non-members.

More information can be found athttp://www.robynthompson.com/ andat http://www.icorockies.com/

— share every detail abouthis finances, including whoowns what and who chargedup the liabilities he and hisex-wife now owe, then youshould offer moral support,point him in the directionof the nearest HUD housingcounselor (888-995-HOPE)and keep your dollars inyour pocket.

There are programs outthere to assist homeownersstruggling to make theirmortgage payments. Thefederal Home AffordableModification Plan (HAMP)is an effort to assist home-owners, but the plan hasfallen short and few home-owners are actually benefit-ing long-term. Some mort-gage lenders have their ownplans to help borrowers,and your friend should callhis lender first. In addition,if your friend has the stom-ach for it, he can call hiscredit card lenders andwork out a payment planwith them, but he'd have tostop charging more itemson his credit cards.

During these hard times,it's tempting to use creditcards to get through a cri-sis. But unless you know forcertain you can pay thatcredit card off within amonth or two, the interest

rate charged on most creditcards makes it relativelyhard to pay down the debtsignificantly if financial dif-ficulties persist.

One last piece of advice:Your friend may want totalk to a counselor at Cred-ability.com (formerly Con-sumer Credit CounselingCenter of Greater Atlanta)or another reputable creditcounseling center officer towork through the variousoptions that may be avail-able to him.

Question: I have a 30-year fixed-rate mortgage. Ithink I have about 16.5years left on it. I took it outin 2003, but until recently Iwas paying a few hundreddollars each month extratoward the principal bal-ance. My balance now isabout $106,000.

I'd love to take advantageof historically low rates, butI think I waited too long tomake a move. I don't thinkit makes sense now. If I refi-nanced to a 15-year loannow, I guess I'd only cut offa year or so, and I think mypayment would be aboutthe same. I'm guessing it'snot worth the hassle if I'mlooking at it all right. Anythoughts?

Answer: If you cut a yearor two off from your mort-gage, you'll still save thou-sands in interest. You mightalso give yourself more of a

tax deduction in the nextfew years. I think it mightbe worth doing, but youhave to do the numbers.

You should be able to refi-nance a 15-year at around 4percent (as of late July).That is probably quite a bitlower than what you're pay-ing now, depending on howhigh your interest rate is.

In 2003, your interestrate was probably in thehigh 5 percent range. If thepayments are the same,you're still saving 18months' worth of payments,so the trick will be to keepyour closing costs as low aspossible. If the paymentsare less than what you'repaying now, you can addthem in and shave evenmore time from the loanterm.

But you're right: If yousave, it may not be by allthat much. But you won'tknow for sure until you runthe numbers. Note also thatif you refinance, you'll havethe pressure to make atleast the same payment, soif times get a bit tougherfor you, that could be aproblem as well. Pull outthe pad and paper or go tothe computer and work outthe numbers.

You might also want to sitdown with a good mortgagelender or mortgage brokerand see what your savingsmight be and what it wouldcost you to refinance.

GlinkFrom Page E1

Fix and flip veteran presents toInvestment Club of the Rockies

In next week’s Home and Realty GuideLocal fix and flips part II: Lovelander Freddy Nelson’ sreal estate services company specializes in property

rebhab, maintenance and investment.

750 W. EisenhowerLoveland

669-1234www.HomesInColorado.comwww.HomesInColorado.com

755500 W. EiseEisenh0 WW Ei hWWWW7 E eE n5000 Eis n000000500 Ei n000 EiseEW EiseWWW EE7557555000 WWW. EisenhLovelandLoveland

view more view more propertiesproperties at: at:

Nanci Garnand227-1327 or

622-1810

www.604W33rd.comwww.LivingInLoveland.com

Great Ranch home that has been updated. Hardwood floors in the bedrooms. Kitchen has been updated with new range top, floors and is fresh. There is a family room that has outside access. $165,000

Nanci Garnand227-1327 or

622-1810

www.4950Avon.comwww.LivingInLoveland.com

Quality Ranch with A/C, finished basement, 3 sided fireplace, Granite countertops. Oversized Master Bedroom, 5 piece master bath, 2 walk in closets & door to Covered Patio & Fenced back yard. $369,000

Billie Myers (970) 481-1883

[email protected]

501 Radiant, LovelandLovely 2 bed/2 bath patio home to warm your soul! New Dream Maker Warm Floor installed in master bath, vaulted open plan, gas fireplace, skylights, large windows, breakfast nook & hardwood floors! Upgrades throughout! MLS #626482 $189,900

RussellWoodard

679-9960

1100 N. Taft Ave. #25, LovelandLooking for a low maintenance full-time home, or a perfect snowbird getaway? This home will not disappoint. Over 1550 sf and neat as a pin. Low HOA that includes all exterior maintenance. MLS #634057 $169,900

De Shunn222-7001

1680 Tabeguache Mountain Dr., LovelandMountain views from the covered patio. Spacious and open, 4 bed, 3 baths, 2 fireplaces. Beautiful Wormy Maple cabinets, e-glass, 9 ft. basement ceilings. Large corner lot, oversized 3 car garage. MLS #634132 $388,000

David Powell481-5015

1331 Crabapple Drive, LovelandGreat North Loveland location! Ranch style patio offers low-maintenance, luxury style living. Back deck with spectacular views & walk-out basement 75% finished. Bright floor plan, lots of windows, 10 ft ceilings, large gourmet kitchen, 5 pc master bath, office, formal dining & lots of upgrades. MLS #631458 $325,000

David Powell481-5015

474 Arrowhead, LovelandMust see ranch style home in Mariana Butte, upgradedw/many features! Tile & wood floors throughout, upgraded lighting, newer paint in & out & finished garden level basement w/2 huge bdrms, full baths & large rec room w/surround sound. Main floor laundry, 5-piece master bath. MLS #632527 $325,000

31-316017

JUST LISTED

www.474Arrowhead.com www.1331Crabapple.com

OPEN SATURDAY 12-2

Country Club Estates HomeOriginal Owner/Beautifully MaintainedOriginal Owner/Beautifully Maintained

3112 Allison Drive, LovelandDrive, Loveland3112 AllisonPROPERTY OF THE WEEKPROPERTY OF THE WEEK

Price $290,000Price $290,000

The original owners of this home in Country Club Estates have taken impeccable care with high quality, innovative features such as: Pella casement windows, beamed/vaulted ceilings, private master suite. Every season there has been another project to enhance the property and keep it updated: Remodeled kitchen and baths (outfi tted with names like Grohe, Kohler, Corian, Schroll, Maytag and Amana), tile fl ooring, light tubes, window treatments, tinted/textured driveway; Includes Centennial Recreation Club membership (swimming pool, tennis). This much loved home must be seen to be fully appreciated!

Betsy Burns970-215-1776 100 W. 29th Street

Loveland, CO 80538

31-3

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H& Featured Home PropertyRE

Stucco detailsand washes of

light at MansuraMultiple ground level bedrooms

ideal for older families

AS S O C I AT E D DESIGNS

It's the Mansura's stucco de-tailing that first catches theeye. Stately corner quoins

anchor the front porch andgarage, while bold bands ofraised stucco outline an array ofgraceful elliptical arches andcharming circular windows.

All rooms, with theexception of two bedrooms anda bonus room, are on theground floor. This arrangementmakes the plan particularly well-suited to empty-nesters andfamilies with older children.Resident teens can enjoy theirmusic without forcing you tohear it, and when the kids moveon, those upper rooms can bekept ready for guests, convertedto office space, or used for hob-bies.

A lofty vaulted ceiling overar-ches the entry, breakfast nookand great room, and theentire space is awash with light.Sidelights and transom windowsbrighten the entry, where an el-evated plant shelf extends overthe coat closet. In the familyroom, elongated windows flankthe gas fireplace. In the break-fast nook, an atrium dooroffers patio access, and morelight spills in through a wideside

window. While yet another vault-ed ceiling expands the bay-win-dowed dining room.

The roomy kitchen is conve-niently locatedbetween the nook and diningroom. A raised eating bar mini-mally separates it from thenook, and a pocket door allowstotal separation from the diningroom, when desired. Counterspace and cupboards are amplysupplied here,including a large walk-in pantrywith five shelves. Utilities and apowder room are nearby.

Notable features in theMansura's owners' suite include:direct access to a private patio,two walk-in closets (one muchlarger than the other), and aluxurious bathroom softly illu-minated by the light that filtersin through glass blocks in thebathing alcove.

For a review plan, includingscaled floor plans, elevations,section and artist's conception,send $25 to Associated Designs,1100 Jacobs Dr., Eugene, OR97402. Please specify theMansura 30-188 and include areturn address when ordering. Acatalog featuring more than 550plans is available for $15. Formore information call (800)634-0123, or visit our websitew w w. A s s o c i a t e d D e s i g n s . c o m .

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

31-3

1532

4

saturday sundayPRICE LOCATION ADDRESS HRS OFFICE PHONE

$149,900* NW LOVELAND 43RD & WILSON AVE THE COTTAGES AT ENCHANTMENT RIDGE 12-5 THE COTTAGE REALTY 532-5900

$167,500 WINDSOR 905 WOODBINE DRIVE 12-3 THE GROUP, INC. 481-1250

$169,900 JOHNSTOWN-MILLIKEN 810 VILLAGE DRIVE 1-3 THE GROUP, INC. 310-8804

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

$172,500 NW LOVELAND 3639 WILD HORSE 11-1 PREMIER LIFESTYLE 613-4400

$179,000 BERTHOUD 10818 CIMARRON STREET #204 1-5 THE GROUP, INC. 566-3516

$190,565* NW LOVELAND 3399 FOSTER PLACE 12-5 THE COTTAGE REALTY 532-5900

$202,000 SE LOVELAND 1250 FINCH ST 2-5 MIRASOL MARKETING 635-5931

$210,000 NE LOVELAND 1742 MANCHESTER COURT 12-2 THE GROUP, INC. 690-7288

$227,500 NW LOVELAND 2695 W. 46TH ST 11-1 PREMIER LIFESTYLE 613-4400

$227,900 NW LOVELAND 4496 HAYLER AVE 12-5 THE COTTAGE REALTY 532-5900


$299,900 NW LOVELAND 1529 DRYLAND STREET 1-3 THE GROUP, INC. 481-1443

$299,900 FORT COLLINS 1002 BURROWING OWL DR 12-5 THE GROUP, INC. 222-8549


$324,000 SE LOVELAND 4635 TARRAGON DR 1-4 THE GROUP, INC. 217-3464

$385,400 SW LOVELAND ¼ MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 12-3 GLEN MARKETING

TEAM, ERA 663-4522

$388,000 NE LOVELAND 1680 TABEGUACHE MTN. DR. 12-2 REMAX ALLIANCE 222-7001

$399,750 SW LOVELAND 975 PRISM CACTUS CIR 12-3 GLEN MARKETING TEAM, ERA 663-4522

$400,000 SW LOVELAND 4902 SINGLE TREE DRIVE 1:30-3:30 THE GROUP, INC. 679-8265

$420,000 NE LOVELAND 805 KNOBCONE PL 1-3 COLDWELL BANKER 222-4035

$600,000 BERTHOUD 2253 JONES PLACE 12-2 THE GROUP, INC. 231-9073

$649,000 WINDSOR 4662 MEADOWLARK 12-3 KELLER WILLIAMS 217-5973

$895,000 SW LOVELAND 288 RESERVOIR DR 1-4 PREMIER LIFESTYLE 481-5512

PRICE LOCATION ADDRESS HRS OFFICE PHONE

$149,900* NW LOVELAND 43RD & WILSON AVE THE COTTAGES AT ENCHANTMENT RIDGE 12-5 THE COTTAGE REALTY 532-5900

$164,900 SE LOVELAND 530 E 4TH ST 1-3 THE GROUP, INC. 218-1891

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

$179,000 BERTHOUD 10818 CIMARRON STREET #204 1-5 THE GROUP, INC. 481-1250

$189,900 NW LOVELAND 3845 DOWNIEVILLE STREET 1-3 THE GROUP, INC. 310-8804

$190,565* NW LOVELAND 3399 FOSTER PLACE 12-5 THE COTTAGE REALTY 532-5900

$224,900 NE LOVELAND 1607 CLEVELAND AVE 12-3 KELLER WILLIAMS 388-6654


$237,500 SW LOVELAND 1625 TIGER AVENUE 11-2 THE GROUP, INC. 481-1250

$239,900 NW LOVELAND 1070 SCARBOROUGH DRIVE 11-1 THE GROUP, INC. 679-8265


$289,900 SW LOVELAND 435 CLUBHOUSE CT. 12-3 DEIS & ASSOC. 231-5050



$324,000 SE LOVELAND 4635 TARRAGON DR 1-4 THE GROUP, INC. 217-3464

$324,900 NW LOVELAND 2952 STERLING DR 1-3 PRUDENTIAL ROCKY MTN 214-4612

$385,400 SW LOVELAND ¼ MILE WEST OF WILSON ON 14TH ST. SW/HWY 402 12-3 GLEN MARKETING

TEAM, ERA 663-4522

$399,750 SW LOVELAND 975 PRISM CACTUS CIR 12-3 GLEN MARKETING TEAM, ERA 663-4522

$539,000 SW LOVELAND 3817 S CO RD 29 1-3 THE GROUP, INC. 227-0964

$795,000 SW LOVELAND 787 BEAVER COVE COURT 1-3 THE GROUP, INC. 402-9100

$895,000 SW LOVELAND 288 RESERVOIR DR 1-4 PREMIER LIFESTYLE 481-5512

$899,000 SW LOVELAND 530 DEER MOUNTAIN DRVIE 1-3 THE GROUP, INC. 461-7136


Pond Parade supportsLarimer County Search

and Rescue

H& Front Range GardeningRE

JENNIFER LEHMANSPECIAL SECTIONS RE P O RT E R

Ten homes in FortCollins, Loveland,Wellington and Wind-

sor will be exhibiting theirbackyard water features in-cluding koi ponds for the8th annual Alpine Koi &Homescape Parade of Pondsof Northern Colorado to-morrow, 9 a.m. to 5 p.m.

“We started doing it ini-tially just to give people anopportunity to talk to differ-ent pond owners and findout what works and whatdoesn't, what to do differ-ently, to get ideas and it’skind of a fun thing,” saidHanna Sparks, parade coor-dinator and owner of AlpineKoi with husband, CaseySparks. “It gives the con-sumer a chance to talk tosomeone about what worksfrom their perspective.”

The Sparks didn't intendfor the parade to be prof-itable so when customerssuggested they increaseevent marketing to makemoney, the Sparks chose touse all proceeds for charityinstead. All proceeds fromthe Pond Parade go toLarimer County Search andRescue where Hanna andCasey volunteered for a lit-tle over a decade beforestarting Alpine Koi.

“One of (Larimer CountySearch and Rescue's)fundraisers was doing fairparking when they were atthe old Loveland fair-grounds. When they builtThe Ranch they kind of lostthat fundraiser. We thoughtit would be kind of cool thatwe could replace that forthem,” Sparks said, addingthat the Pond Parade isn't asman hour intensive as thefair parking was.

“It was something wewould be able to do to giveback to them and give backto the community,” shesaid.

Parade attendants can see

the exhibited water featuresone of two ways, through aself-guided tour or on theair conditioned party bus.Self-guided tours cost $15per car and party bus tick-ets cost $30 per person andincludes a sack lunch andsoft drink. There is also abar on the party bus. De-pending on how much timepeople spend at each stop,the tour lasts 4 to 5 hours,Sparks estimated.

Current pond ownerslooking to upgrade andthose looking to install forthe first time attend thetour, Sparks said.

“They like to see whatother people are doing andget ideas on how they canupgrade theirs and it's justa fun outing,” Sparks said.

The parade gets yearly at-tendants from as far as Ne-braska and Wyoming andthe party bus can be espe-cially nice for them, Sparkssaid since they are not as fa-miliar with the area.

One of Alpine Koi's em-ployees is on the bus to an-swer questions about ponds.

“On the bus it's a very so-cial, everyone talks, makesome friendships along thew a y, ” Sparks said.

All ticket buyers are givena ticket booklet with de-scriptions of the differentlocations.

Locals seek out theSparks to become a part oftheir company’s pond pa-rade. “People come to us.It's never been an issuewhere we had to say, oh gee,your pond isn't worthy.“(Size) has absolutely noth-ing to do with it. They allhave their own unique styleand personality, size reallydoesn't matter. People witha very small yard can stillhave a small pond or atleast a small water feature,”Sparks said.

One of this year's ponds isa repeat from five or sixyears ago after requests fora glimpse at a pond that

had matured for a few years,Sparks said.

“We try to have pondsthat are constructed by thehomeowners and some thatare professionally done andtry and have contractorsthere and tell them abouttheir work,” Sparks said. “Ifyou're not handy you canhave it done, if you arehandy it's certainly not outof the realm to do it your-s e l f. ”

The history of built waterfeatures close to the homegoes back to ancient Rome,Sparks said. Water was al-ways a part of their archi-tecture, their foundationsand their temples, she said.

“It can be a very addictingh o b b y, ” Sparks said, addingthat the ponds are good foryour senses and mentalhealth and help in “justcalming down and gettingaway from the rat race.”Backyard ponds help maskcity noises, Sparks said, andhelp provide feelings ofseclusion and privacy.

“Some people usually re-ally like the fish. Other folksare gardeners and really likethe gardening. I like to gar-den and it’s great because Idon't have to remember towater anything, I don't haveto pull weeds.

“A lot of people get reallyattached to their fish. Theydo tend to have personali-ties and you get to knowthem and they recognizeyou, believe it or not. Theyare pretty easy pets, don'tshed, you can leave themfor a few days and they'rejust fine in their environ-ment,” Sparks said.

Water features also bringnew guests to the backyard,Sparks said.

“It draws wildlife, alwayshave a lot of birds around,it's enjoyable to sit out andwatch.”

Sparks said people are nottraveling as much becauseof the economy makinghome a more desirable

place to be. “I think a lot ofthe people that have pondsare home more enjoyingthem.”

“The downside with theeconomy is that the peoplethat don't have them arehesitant to spend the mon-ey to get one,” she said. Afear of not knowing how togo about it also keeps peo-

ple from putting ponds inand “the pond tour givesthem the opportunity totalk to pond owners,”Sparks said.

Both self-guided and bustickets are still available forpurchase today over thephone or at Alpine Koi inFt. Collins. Self-guided tourtickets can also be pur-

chased Sunday.Alpine Koi's doors will be

open Sunday 9 a.m.- 5 p.m.and the tour bus will leavefrom the store at 9 a.m.Larimer County Search andRescue will have a booth atthe store around midday.Donations to the LSAR canbe made online by going tow w w. l a r i m e rc o u n t y s a r. o rg .

Photos courtesy of AlpineKoi

Top: Backyard pond atthe home of Paul andPaula Harder of Wind-s o r.Middle: A pond at theBohlander residence inFort Collins.Bottom: A forest oasisat the home of DanielSether in Loveland.

If you go

What: Pond tour,funds go to LarimerCounty Search andRe s c u eWhen: To m o r ro w,open for viewing 9a.m. to 5 p.m.W h e re : Ten homes inNorthern Colorado.Bus tour starts atAlpine Koi, 2715 E.Mulberry St, FortCollins.Cost: Self-guided tour$15 per car; $30 perperson for bus tour, in-cludes lunch, drink.

31-314506

3 bed/3 bath home on a beautifully landscaped corner lot! Newer stainless steel appl., roof & paint. Hot tub room & sunroom. Large family room, oversized garage & security system. MLS#634133 $224,900

4629 N Franklin Avenue

IMMACULATE 3 BED/3 BATH

Steve BakerSears Real Estate970-302-0879 / [email protected]

Relax & enjoy spacious, well maintained townhome minutes to Olde Course. Main fl oor bedrooms, 2 baths, loft overlooking living rm with gas fi replace. A/C, 2 Car Gar. Lg. Lnry Rm. MLS#626380

3639 Wild Horse Ct.

OPEN HOUSE SATURDAY 11 - 1

Cory RobertsPremier Lifestyle Realty(970) 613-4400plrealty@qwestoffi ce.net

Great 4 bed/2 bath home! Like new inside: repainted, new carpet & new kitchen countertops. Garden level offers a fi nished family room w/fp. Home is on LARGE corner lot! MLS#633897 $199,900

4305 Grant

LARGE CORNER LOT!

Ryan AndreSears Real Estate970-381-1081 / 330-7700www.andrerealestate.com

$224,900, 4 BR 3 Ba 5 level home w/heated 3 car garage. Eat-in kitchen, sunroom, fam rm w/wet bar & cabinets. 1950’s character & charm orig hdwd fl , lots storage space. Quiet, spacious 2000 sq ft fi nished.

1607 Cleveland Ave.

OPEN HOUSE SUNDAY 12-3

Renee SalzaKeller Williams(970) 231-5082

[email protected]

Beautifully maintained energy effi cient tri-level on a lge corner lot. Open fl r plan, 5pc master bath. Mature fenced lush landscaping. Gas fi replace, ac, Rinnai hot wtr heat. Room to expand. $227,500.

2695 W. 46th St., Loveland CO

OPEN HOUSE SATURDAY 11 - 1

Lucinda MathesonPremier Lifestyle Realty970-290-9824plrealty@qwestoffi ce.net

Quiet Convenient Neighborhood. A place to relax and entertain in the spacious 3 bdrm, 3 bath home with all the amenities of quality, style, & value. Bring the toys and R.V. - there’s room! $324,900

2952 Sterling Dr.

OPEN HOUSE SUN 1 - 3

Jerry HesslerPrudential Rocky Mountain, [email protected]

A must-see, 4bdrm, 3ba, 3479 sq ft open 2-story on green belt, cul-de-sac lot. Granite tops, newer fl oors, custom paint, formal living and dining, main fl oor den, bonus loft. Mountain & lake views.

4688 Twin Peaks Court

THE VILLAGES AT MARIANA BUTTE

Rick L. KelleherColdwell Banker Residential [email protected]

Custom-built 3410sf, 3BD, 3BA stone & cedar 2-story home on a .24 acre landscaped lot that backs to Roberts Lake! Huge master suite w/ sitting area & bath! Views of the lake from the huge sunroom!

920 Bunyan Ave-$314,000

RARELY ON THE MARKET

Marian Maggi970-290-0908marian@berthoudrealestate.comwww.berthoudrealestate.com

Beautiful stucco/stone 2 story w/warm & open features, elegant hickory cabinetry, granite countertops, oak fl oors in kitchen & dining room. Main level offi ce & master bdrm w/laundry. $449,900 #631706

764 Beaver Cove Ct., Loveland

OPEN HOUSE SATURDAY 1PM-4PM

Dick LinkCentury 21 Humpal, [email protected]

Horseshoe Lake Rights • RV Parking • 5Bdrm • 3Bath • Main level study • Beautifully remodeled top to bottom • Walk-Out Bsmt • Gas Frplc • 32’ rollout dock • .41 Acre Lot. Hosted by Sirmula Lansky 691-0468

805 Knobcone Place

OPEN HOUSE SATURDAY 1-3

Barbara GieseyColdwell Banker Residential [email protected]

Walkout bsmt., open fl oor plan, panoramic views. In select group of lots. Pittington Ranch. Many upgrades. Must see. W. on Hwy 34, S. on CR 29 to 18E. 2.3 miles to Flat Iron Rd., right to Reservoir.

NEW CUSTOM RANCH - 288 RESERVOIR

OPEN HOUSE SAT. & SUN. 1-4 TRADES CONSIDERED

John MatheyPremier Lifestyle(970) 613-4400(970) 481-5512

Highest quality custom 4608sf, 4BD, 5BA home on 2.3 acres! Many extras: radiant fl oor heat, 8’ Alder entry door & interior Alder doors, Ash fl oor, steam shower in master, au paire suite & much MORE!

2997 Pheasant Run - Berthoud

PRICE REDUCED-$575,000

Gary [email protected] www.berthoudrealestate.com

*GEOTHERMAL/A/C $31/mo gas • 5115sf fi n’07 WO Ranch • 5 bds, 5 bths, 3car • 3 Ac • Concrete Siding • On-demand H20 htr • Gourmet ktchn • Granite cntrs, hkry fl rs • Hwy34 W to CR27 (Masonville) R Bison Bluff

7519 Buffalo Court, Loveland

$699,900 - 6 MIN. TO TOWN

Sandy LeeRE/MAX Advanced, [email protected]

$500,000+$500,000+

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

$400,000 - $499,999$400,000 - $499,999$300,000 - $399,999$300,000 - $399,999

Your online and print resource for residential, commercial

and land for sale

homeandrealtyguide.com


H& Front Range GardeningRE

Edible flowers givemeals zest

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

G a rd e n i n gQ & A

SUSAN PE R RYCSU EXTENSION

Question: I think I have a unique variety ofapple tree since some of the leaves arepurplish color and the bark looks black.

Plus the tips of the branches are curved. Couldyou tell me what it is?

Answer: Sadly, your apple tree is likely being af-fected by fire blight, a bacterial disease that canoccur in apples, pear, quince, crabapples, pyra-canthas, blackberries, and raspberries. Typicalsymptoms of fire blight include discolored leavesand bark, burned looking twigs with a telltale“s h e p h e rd ’s crook” at the end, dried or oozingfruit, oozing “sores” in bark, and wilted or appar-ently wet flowers and blossoms. Occurrence offire blight can vary from year to year, and how ex-tensively it affects a given plant depends on vul-nerability of the particular cultivar you own, theage of the plant, and weather conditions. Howev-er, the bacteria can overwinter in affected branch-es and bark cankers, enabling the rapid spreadunder favorable spring weather conditions. Typi-cally, warm rainy spring weather lends itself torapid spread of fire blight by wind and rain. Thedisease can be worsened when wounds caused byhail damage allow the bacteria to enter plant tis-sue or by improper pruning or disease manage-ment techniques. Hot dry weather normally slowsthe progression of the disease.

There is no cure for fire blight but the best wayto prevent it is to choose resistant varieties, uti-lize cultural practices that reduce the conditionsfavored by the bacteria, and careful pruning to re-move infected areas. While chemical sprays areavailable, they are typically recommended only ifapplied professionally due to chemical toxicityand the need to spray at extremely precise timesduring the plant/disease life cycle.

While selecting blight-resistant varieties canhelp minimize the chances of infection, no culti-var can be guaranteed to be immune when thebacterium is plentiful and weather conditions fa-vorable. Selecting plants adapted to local growingconditions, proper placement in the landscape,minimizing plant stress through appropriate irri-gation, annual pruning of young trees and avoid-ance of over-fertilization will all contribute tohealthier plants increase chances of resisting dis-ease.

The utmost caution must be used when pruningaffected areas. After each cut, you must sterilizeyour cutting tool by dipping it in bleach or ethylalcohol to prevent bacteria spread. Pruning cutsshould be made eight to 12 inches below the areaof visible infection. Care should be taken not toaccidentally create wounds or make unnecessarycuts since these can create new entry points forthe bacteria. The best time to prune is when thetree is dormant, during the winter; pruning inwinter also does not require tool sterilization. Im-mediately remove and destroy all pruned materialto reduce the chance of spreading the disease.

For further detail on diagnosing and managingfire blight, refer to CSU Extension Fact Sheet#2.907 available at www.ext.colostate.edu.

Susan Perry has received training through Col-orado State University Extension's Master Gar-dener program and is a Master Gardener volun-teer for Larimer County.

CA RO L O'MEARACSU EXTENSION

The bravest man I know shudders atthe thought of dining at my houseduring summer. Not because I’m a

terrible cook or my food might lead to hos-pitalization – these risks he faced in WorldWar II and Korea. No, the reason my fatherfears my table is because the meals I serveblossom with edible flowers.

You might think it silly for a person tohesitate over eating a flower; after all, nas-turtiums, squash blossoms and chives havebeen mainstream in culinary creations foryears. But if you think these are the limit offloral flair, you’re missing out on a decora-tive way to spice up your dining.

Delicious, cucumber-like Borage (Boragoofficinalis) popped into salads or dips,sauteed Daylily buds (Hemerocallis fulva),cheerful pansies (Viola x. Wittrockiana) infestive salads, or Scarlet Runner Bean blos-soms (Phaseolus coccineus) highlightingsteamed green beans all have a place onthe summertime table.

But finding flowers for cooking maymean growing them yourself. If you do,

treat them as you would any vegetable andgrow them organically, following the fiverules for eating flowers:

1. Be absolutely positive about identifica-tion - not all are edible, and some can beharmful. Know beyond doubt what youhave before eating it.

2. Common names are misleading, sodon’t pick a flower based on its moniker.Sweet peas, for example, are poisonous,while yucca is tasty.

3. Many greenhouses and florists sprayplants; these flowers are not suitable foreating. Use only those picked from yourgarden or from a reputable, food-grades o u rc e .

4. Flowers may cause allergic reaction insome people with asthma or hay fever, orgive you a digestive malfunction. Startslowly, and eat only small amounts of themat first.

5. Many chefs garnish with flowers thataren’t edible. Check with the kitchen be-fore eating them.

Flowers degrade faster than herbs, soplan to use them within a few hours. Keepthem fresh by storing in the refrigerator.Pick flowers on cool mornings, choosingthose that are just becoming fully open and

avoiding those that are wilted or starting tofade. Pinch, don’t pull flowers from thestem.

Different growing conditions effect fla-vors; be sure you like what you’re harvest-ing. To avoid bitter meals, taste the flowerbefore spending a lot of time picking them.Remember, they’re delicate, so wash flow-ers with a fine spray of water just before us-ing them. Try these:

Daylilies: Packed with vitamin A and C,these flowers also have three grams of pro-tein in every bud. Harvest buds whenthey’re one-and-a-half to two inches long;larger than this and they’re bitter.

Pa n s i e s : Harvest by picking the stem allthe way to the plant, keeping the flower in-tact.

Pop petals into ice cube trays, fill withwater and freeze for an elegant touch indrinks, or use fresh in salads.

Roses (Rosa spp.): Pull or snip petalsfrom the bud. The white inner portion ofthe petal is bitter, so snip it off before us-ing. A rose’s perfume gives a clue to its fla-vor, and varieties that have a stronger scentgenerally taste better. Look for those thatsmell like food; you’ll find roses can be cit-rusy to spicy, sweet to mild.

Lavender (Lavandula angustifolia): Pu l lthe petals from the bud and pinch off thetiny white ends. Lavender can turn bitterwhen dry; use them fresh for sweetest fla-vor. Because the taste is bold, a little goes along way - use petals sparingly.

With many flowers, such as roses, tulips,

and lavender, only the petals are edible.Remove the stamens, styles and pistilsfrom inside the flowers, and snip off theouter, green sepals. If the flower is tiny,gently pull the petals from the bud to use.Others, like runner beans, honeysuckle,and pansies may be eaten whole.

Photo courtesy of Carol O'MearaDeviled eggs served with marigolds.

2 BDRM, $625 + elec,free heat & basic cable,clean, pool, No pets.A/C, coin-op, pantry.

970-663-6787 or970-430-0859

2 BDRM, 1.5 bath. Largeunit! $700/mo. + utilities.Avail immed. 970-4816418

2 BDRM Mobile home,$600, rent includes utils.Estate Builder 970-667-3400

1 BEDROOM- All appl´s.1031 E. 4th St. Off St pkng.No pets/smoke. $575/mo.util´s pd. (970)217-8274

1 BDRM, lg, in Loveland-Special 1st mo. $350. $645 +dep. Heat, wtr, trash pd.970-214-2057 or 970-266-0206

✭1 BDRM. Gar w/opener,W/D, DW. No smk/pets.$600 incl. Ht, wtr, trash.970-667-6199 or 231-2566

✭ No Fri Eve/Sat calls ✭

1 BDRM APARTMENT-new paint/flooring, W/Dhookup, no-smoke, utils pd.$595/mo. (970)669-2645

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

970-667-8370.

1 bdrm, 518 E. 1st, $540/mo,no stairs, NICE! Callrmpm.com 970-669-0842

1554 DEANNA- 2 bdrm,heat/water pd, no pets.Refs. $535. 970-667-7538.

1 rm, Studio+ Vintage apts0 utils! On-site mgmt. W/D,DirTV $333-590 970-219-8162

Apartments/Unfurnished 4030

Kitchenettes. Weekly,monthly rates. Util. pd.Satellite TV, laundry rm.

970-663-0400

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: [email protected]

3 BDRM, 2 Ba BeautifulTownhome - Centerra!

Amazing views, W/D, A/C,garage, trails! $1250drakemanor.com(970)493-4052

Condos/Townhouses 4050

Best location in Berthoud,350 SF commercial/officespace, 345 Mt Avenue,

$500/mo + dep 970-532-2652

Approx 800 SF 1st floorcommercial/office space,Mt Avenue, Berthoud,

$700/mo + dep 970-532-2652

Approx 700 SF 2nd floorstorage/office, NW cornerof Bunyan & 1st, Berthoud,$575/mo + dep 970-532-2652

6000 SF Retail/Warehouseon Hwy 287. Overhead door.970-593-2401 or 970-227-7447.

2000 Sq Ft Beauty Shop/Retail on 4th St. Off streetprkg. Call 970-593-2401

1147 SF Shop + Loft, OHD,3/4 bath + office. $795/mo.136-1/2 South Lincoln.970-663-3493, weekdaysbefore 5pm. 970-663-3228

CommercialIndustrial 4040

Spacious 2 bdrm, 1.5 bath945 sq ft. Central Air!Nice area!Call Today!

970-667-1644

LARGE 3 bdrm, 2 bath1312 sq ft. Lots of storage/amenities Great Location,won´t last! 970-667-1644

3 BD or 2 BD- Free rent!Pets nego. Quiet & spac.$625-$695. 970-223-1349

2 BDRM, $540/month,1708 E. 16th, 2-story

Call rmpm.com 669-0842

2 BDRM, 1 bath- $665ALL utilities included!Clean and quiet end unit.On-site laundry, close torec center! 970-669-1375

2 BDRM, 1 ba, quiet down-town location. No smoking/pets. $550/mo. 431 E. 8thSt., Lvld. (970)663-2341 or

(970)667-7309

2 BDRM Mobile home,$600, rent includes utils.Estate Builder 970-667-3400

Apartments/Unfurnished 4030

3 bdrm, 4725 Coffeetree,$1350/mo, WOW! Poolaccess, Call rmpm.com970-669-0842

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

(2) STORAGE AREAS:780 SF $250; 1170 SF $350

(970)635-2717

Garages/StorageSpaces 4070

Spacious 3 bdrm, $850/mo1300 sq ft, Tri-lvl, 1.5 ba,fncd yd, 1c gar, $850 dep,7 2 1 Ny s s a , N o p e t s970-518-2730

3 bdrm, 1.5 ba. frplc, fncdback yd, 1 car gar. No smk/pets. $825/mo. Avail. 8-15NW LVLD 970-214-2214

1015 3RD ST- BERTHOUD3 bdrm, 1 car gar, fncd yd.$795/water pd. 720-296-1337

3 BDRM, 1.5 BA, 1 car gar,W/D hkup, no pets, N.Lvld, $800/mo 970-587-0563

3 BDRM, 1 ba, 2 car gar-618 Jocelyn Dr. $800.

No smk/no pets. EstateBuilder, (970)667-3400

2 BDRM, Berthoud. Largeliv rm, laundry rm, nearschool, cov pkng, yd, hugestorage. $685. 303-684-6554

Duplexes 4060

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

Move in August for $1!!!!NO JOKE

Only 3 homes available,Quick & Easy Approval

Look today, MOVE TODAYCall 970-420-8488 wac

✭ 2 BEDROOM Home ✭$575+dep. West Hwy 34.

970-690-9049

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

Nice 3 bdrm country home.HORSE WELCOME! E. ofI 2 5 . ( 9 70)593 - 8 0 48 or

970-577-1102

3 BDRM, 903 Ptarmigan,$1295. New crpt, No petsCall rmpm.com 669-0842

3 BDRM 2 bath, $1100+ util, deck, freshpaint, new carpet, SWLvld, 1 block from midsch, 3 blocks fromelem. 970-663-6787 or

970-430-0859

3 bdrm, 2902 Katie, $1050/mo, pets neg, fncd yd, Callrmpm.com 970-669-0842

3 BDRM, 222 SW 42nd,$895/mo, new carpet/paint.Call rmpm.com 669-0842

2 bdrm, 129A S Monroe,Lvld; Pet neg, no gar, smyd $700/$700 303-659-7471

Houses 4080

3 BDRM, 1303 Nickel,$725/mo, finished bsmt.Call rmpm.com 669-0842

Condos/Townhouses 5040

OWNER FIN -100% leased,8 coml bldgs. $200K-$1.1MCC/PRMR. 970-225-4043

Commercial 5030

Oil & Gas Opportunities15% to 30% Annual Return

Direct Participation/Tax Benefits

Gary 970-927-2764/309-1535

BusinessesEstablished 5025

OFFICES, RETAIL,INDUSTRIAL. UTIL´SINCLUDED. 970-744-8763

Retail Space 4135

SHARE HOUSE, own bath$500/month. Must loveanimals. (970)635-2703

RoommatesWanted 4120

Sm dwntwn office bldg w/reception, 3 offices, & 5 off-strt prk sp. 970-667-5145

Office Suite, 850 sq. ft., first3 months free, $7 sq. ft. +NNN, 970-290-9040.

HIGH TRAFFIC area &competitive rates. New

mgmt ● Special 1/2 off 1stmonth´s rent. Eisenhower& Monroe. (970)545-2444

Office Space 4100

❦❦❦❦❦❦❦❦❦❦❦2 bedroom, 2 bath, 1995,14x70, all appl inc, fencedyard, pets ok, shed inc,lots of extras $17,500

303-746-3143❦❦❦❦❦❦❦❦❦❦❦

Mobile/ManufacturedHomes/Spaces 5130

By Owner ✭ Open Sat &Sun 12-3pm 3006 Kiowa Dr.Ranch w/ walkout bsmt,screened porch, formal dinrm, 3+ bdrm, 3 ba, newfurn/AC, Exc. area.$285,000 970-663-2920

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

BANK OWNED- 3 bdrm,3 bath, 2-story, 1/2 duplex,main floor master, A/C,frplc. $227,900. Re/MaxAlliance, 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

RANCH-w/ walkoutA+ custom ranch finishedwalkout. 3 bed, 3 bath, 6 caratt gar w/ shop, RV pad w/elect/water Call Dennis303-358-4361 1009 N 4th St

Johnstown 5087

MITZI DAV I SCSU EXTENSION

Looking for things to do with your children this sum-mer? Check out the great children’s garden at theGardens on Spring Creek, located at 2145 Centre Av-

enue in Fort Collins. If you’re ready for a road trip, there isthe new Paul Smith Children’s Village in Cheyenne near theCheyenne Botanic Gardens. In addition, the Denver Botanic

Gardens is opening their new three acre children’s garden inm i d -Au g u s t .

Keeping fruits and vegetables harvested will encouragemore production from plants. Learn to can or freeze your ex-cess produce, or donate some to your neighbors and theLarimer County Food Bank.

Carry a bucket of water with you to the garden whenyou’re cutting flowers for bouquets. Use sharp shears or aknife to make a clean cut and cut the stems at a slant. Theslanted cut will allow more water to be absorbed into thestem.

Start sowing fall season crops like lettuce, spinach, radish-es, chard and beets. They should be ready to harvest beforeour first frost.

Summer activitiesand gardening tips

Documents

Real Estate Guide