Real Estate Guide

Saturday Reporter-Herald April 16, 2011 E1

• •www.homeandrealtyguide.com Saturday, April 16, 2011 Reporter-Herald

Real EstateTr a n s a c t i o n sListings from Front Rangeproperties recently sold

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Inside this week’s Home & Real Estate

Stephanie Kirkland,The Group, Inc.

Real Estate

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Realtorof the Week

Carol O’Meara:Examinewinter

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Real EstateMatters

Decodingthe

Mar ketReal Estate

RH PA I D A D V E RT O R I A L

Spring is a time symbolic formany things. New begin-nings, growth and develop-

ment are all terms associated withthis time of the year. Not surpris-ing, many of these same principlesapply to the local real estate mar-ke t .

David Powell, managing brokerat RE/MAX Alliance in Loveland,said spring is one of the best andmost exciting times of the year forreal estate.

“Once March and April hit, wetypically start to see progress andare able to distinguish a pace thatwill follow for the rest of the year,”Powell said.

Additionally, he said, the busiesttime of the year for real estate isthe summer. Yet, now is the timethat sellers need to decide to puttheir home on the market if theywant to hit that high season in thesummer months. Powell addedthat there are many factors thatare taken into account when try-ing to project a timeline for sell-ers.

“One of the tools we assess whenadvising our clients is looking tothe past, seeing what is happeningnow, and planning for the future,”he said. So what does that meanfor potential home sellers?

First, find as much data as youcan on recent home sales in yourarea. Most of the information isavailable through the county’spublic records system, yet that is alot of information to weedthrough. So instead, try asking areal estate agent to prepare acomparative market analysis(CMA) for your home. They too,will take this important data intoaccount and organize it into amanner in which you can easily un-derstand it.

Next, ask a real estate agentabout current trends within the lo-cal market. Again, real estateagents have the tools to quicklyaccess and organize this informa-tion for you. The area’s multiplelisting service (MLS) tracks trendsand statistics for all of the homessold in the area — so it’s quiteeasy for your real estate agent to

track the current trends, as well.Finally — looking toward the fu-

ture. Many real estate agentsclosely follow the current eventsand news for their area. This helpsthem to be able to forecast whatthey believe the market will look

like six months from now – or be-yond.

Powell added that Loveland overthe past year is doing much betterthan many other parts of the coun-try. While the national media al-ways seem to be talking aboutforeclosure rates, he said it is goodto know that Loveland and North-ern Colorado are far below the na-tional average.

In addition, when comparingstatistics from the first threemonths of 2011 with the first partsof 2010 — there has been a slightdecrease in the number of homessold; yet the median single-familyhome price has risen. Powell at-

tributes this to the fact thatduring this time last year, thegovernment’s first-time homebuyer tax credit was still in effect.Looking out toward the next sixmonths, he said he feels there willbe a positive feeling out there. TheACE project, barring any negotia-tion problems, should be well onits way to making Loveland its newhome.

“Even though the bulk of theproject may not be in place untilnext year or later, knowing thatNASA is coming is a huge thing forour community and their percep-tions for the market in the upcom-ing months,” Powell said.

Working with a real estate agent can help answer many of your questions about buying and selling.Yet, it’s also important to pick the right real estate agent. With RE/MAX Alliance, you know youare getting the experience, resources, and an internationally recognized brand working for you.

RE/MAX Allianceprovides outlookfor coming yearin real estate

“One of the tools we assess whenadvising our clients is looking to thepast, seeing what is happening now,and planning for the future.”

— David Powell, managing broker atRE/MAX Alliance in Loveland

Getting loanmodificationcan be tryingILY C E GLINKTRIBUNE MEDIA SE RV I C E S

Question: I have had two differ-ent trial payments with mylender, and I have paid asexpected. But when it comes

to making it permanent, there is al-ways some silly reason why they can’t.Who can I write to for help?

Answer: Very few people are gettingpermanent loan modifications. In fact,of the millions of people who have fall-en behind on their mortgage pay-ments, or are making them under se-vere financial stress, just 87,000 weregiven a permanent loan modificationin March, according to data recentlyreleased by HOPE for Homeowners, anonprofit association that assistshomeowners in applying for loan mod-ifications.

Over the past few months, it has be-come clear that fewer people are ap-plying for loan modifications. Someeconomists claim that this is becausethe economy is improving, and peoplehave found jobs that are helping paythe mortgage.

As the economy moves further intoa weak recovery, that’s probably true. Ialso believe that word has gottenaround about how few homeownershave received permanent loan modifi-cations, and how frustrating the pro-cess is, so many have stopped tryingto get one.

The biggest problem is that lenderswere not required to help homeown-ers during the worst downturn sincethe great depression. The programwas entirely voluntary.

Worse, loan servicers and investors’financial interests were not necessarilyaligned. Throw in some reallymediocre (if not poor) customer ser-vice from the big banks with thou-sands of lost documents (which I’msure would fill a landfill if they everturn up), and you begin to get an ideaof why silly (and sometimes strange)reasons derail legitimate loan modifi-cation applications.

The simple, if unwelcome, truth isthat not every homeowner is entitledto a loan modification. Some mightargue that no one is entitled to a loanmodification and the loan modifica-tion is totally at the discretion of thelender. However, if you feel you havebeen unfairly denied, you can file acomplaint with the Office of theComptroller of the Currency,which regulates the big banks, atH e l p Wi t h M y B a n k . g o v.

You might also want to check outthe nearly 30 posts I have written overthe past 18 months about the loanmodification process under the head-ing “Loan Modification Hell” atwww.moneywatch.com and glean extrahelp from the thousands of commentsleft by others in the same shoes.

Question: We have been living inour home since 2004. The property isin my wife’s relative’s name, since wecould not qualify because of our lowcredit score. We have been making thepayments this entire time and pur-chased the property new.

Recently, my wife’s relative passedaway. Since we are unable to qualifyfor a new loan because of our lowcredit scores and a new loan wouldplace payments beyond what we could


Mortgage rate update

30-year fixed

15-year fixed

5/1 ARM

This week Last week Tre n d

4.90%

4.10%

3.50%

4.85%

4.06%

3.44%

Home & Real Estateis produced everySaturday by theLoveland Daily

Reporter-Herald.

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Regional Snapshot for Loveland/Berthoud Residential

Active Listings 855 881 960Previous Year Active Listings 941 1042 1042

Sold Listings 74 79 105

Median Sales Price $240,000 $207,439 $206,025Previous Year Median $195,000 $192,500 $234,500

Average Days on the Market 130 128 123Previous Year ADOM 133 128 126

Year to Date Listings Sold 74 153 258Previous Year YTD Listing Sold 57 137 263

Januar y Februar y M a rch

Realtors support bill to speedlender response to short salesNAT I O N A L AS S O C I AT I O N OF RE A LT O R S

Anew bill to improve the processfor approving short sales maysoon bring relief to distressed

homeowners who are unable to keeptheir homes and hope to avoid foreclo-sure. The bill, introduced in the U.S.House on Tuesday and strongly support-ed by the National Association of Real-tors, would impose a deadline of 45 dayson lenders to respond to short sale re-quests.

The legislation, the “Prompt Decisionfor Qualification for Short Sale Act of2011,” was offered in Congress by U.S.Reps. Tom Rooney (R-Fla.) and RobertAndrews (D-N.J.).

“The current short sale process can betime-consuming and inefficient, andmany would-be buyers end up walkingaway from a sale that could have saved ahomeowner from foreclosure,” said NARPresident Ron Phipps.

“Realtors and consumers continue toraise issues about delays in the shortsale process, because lenders are unableto decide whether to approve a shortsale. After many months of delays, andwith no response from lenders, potential

buyers are losing patience and cancelingtheir contracts, often resulting in theproperty entering foreclosure. A shortsale minimizes the negative impact onsellers and generally costs the lenderless than a foreclosure,” Phipps said.

NAR has been actively pushing thelending industry to improve the processfor approving short sales, which repre-sent about 13 percent of recent homesales according to NAR data. Phippspraised Reps. Rooney and Andrews fortheir efforts on the bill and urgedCongress to pass the bill quickly.

“As the leading advocate for homeownership and housing issues, Realtorswant to help more homeowners avoidforeclosure by facilitating a short salewhen a family is absolutely unable tokeep their home; however, that can onlyhappen if lenders and servicers approveshort sale offers in a reasonable amountof time,” Phipps said. “Streamliningshort sales transactions will reduce theamount of time it takes to sell the prop-erty, improve the likelihood that thetransaction will close and reduce theoverall number of foreclosures. This ben-efits sellers, lenders, buyers and the en-tire community.”

Shutterstock photo

15-326161

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

832 6th St.-Berthoud-$159,000

OPEN HOUSE SAT, APRIL 16 FROM 12-2:00PM

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

$2,500 IN FREE OPTIONS!* 3 BR, 2 BA, 2 CAR, ranch style home. Front yard landscaping included w/ sprinkler system. $169,900 w/qualifying special fi nancing or $181,400 w/o special fi nancing.*w/ purchase & closing of home - Offer Expires 4/30/11

4403 Elliot Pl., Loveland

OPEN HOUSE SAT & SUN 12-5 PM

Rose LawrenceCottage Realty970-532-5900www.teamcook.biz

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

NEW & SPACIOUS Ranch with walkout basement. Kitchen features knotty hickory cabinets, granite, pantry. Hardwood fl oors, main lvl laundry, deck. UPGRADES THRU-OUT, blt by Weinland Homes in QUAIL RUN.

3402 Creede Court

OPEN HOUSE SAT & SUN 1-4

Carol CushattPrudential Rocky Mountain Realtors970 [email protected]

Ranch Home, easy and convenient to shopping. 5 bdrm, 2 ba, fi replace, 2 car garage, lots of producing fruit trees and a great neighborhood. $185,000 Open House Sat 4/16/11 1:00 - 3:00 PM

2252 Ulmus Dr.

GREAT VALUE IN THIS MARKET

Lucinda MathesonPremier Lifestyle Realty(970) 290-9824plrealty@qwestoffi ce.net

You will be delighted when you step into this charming cottage w/hardwood fl rs, newer cabinets, stainless appliances, updated bath w/jetted tub, A/C, and 660 sqft oversized garage w/alley access.

1605 Cleveland Ave.

OPEN HOUSE SAT 1-3

Ann Hendrix, Broker AssociateERA HermanGroup [email protected]

OPEN HOUSE Sat, 4/16, 12-3! 3Bed/2Bath, +study, formal dining, great kitchen, custom paint & valances, spa-like master suite & Rec room! Easy access to 392/Lemay! Move in & enjoy! $319,000!

1026 Burrowing Owl Dr., Ft. Collins

FORMER MODEL HOME IN WATERLEAF!

Beautiful Mediterranean style ranch home, 3/3 with 4000 sq. ft. Golf course across the street and walking distance to Lake Loveland. Nicely landscaped, new windows, plantation shutters, wood burning fi replace, vaulted ceilings, RV parking and much more! $297,000

2457 Abeyta Ct., Loveland, CO 80538

OPEN SATURDAY 1-3PM- DON’T MISS IT!

Sirmula LanskyColdwell Banker(970) [email protected] www.coldwellbanker.com

FREE FRONT YARD LANDSCAPING INCLUDING SPRINKLER SYSTEM THRU APRIL 30TH! Gourmet kitchen w/ center island. Master w/ 5 pce bath. Main level utility. A/C. Full unfi n bsmnt & a tandem 3-car garage on corner lot. $289,900 (12 Models & 50 Lots to Choose From).

4355 Ridgway Drive, Loveland

OPEN HOUSE SAT & SUN 12-5 PM - 3 CAR

Connie SalazarCottage Realty970-532-5900www.teamcook.biz

Mike & Sherry DoughertyColorado Front Range Realtors, LLC303-589-1626www.cfrhomes.com

3976 sqft fi n. 4br, 3ba, 3car. Custom kitchen, granite, hickory fl oors, alder cabinets, central A/C, f/dining, rec rm., workout rm., walk/bike path, views. $414,900www.1554Homelandst.canByours.com

1554 Homeland St., Loveland

OPEN HOUSE SAT 1PM-3PM

Renee SalzaKeller Williams Northern Colorado(970) [email protected]

Move-in Ready Ranch on 3.1 Acres. Meticulous home w/formal LR & DR, Great Room, Amazing Master Suite w/French Doors & Sitting Area. Lush Landscaping. Unf. Bsmt. 30’x64’ Shop/Barn w/1/2 BA & PlayRm.

4662 Meadowlark Dr-Windsor

OPEN SAT & SUN 1-4

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 side of the road.

New Custom Ranch - 288 Reservoir

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

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

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

Warberg Farm at Chapman Reservoir

SALES OFFICE OPEN SAT 1-3PM

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

$3,500 IN FREE OPTIONS!* 3 BR, 2 BA, 4 car garage, ranch style home with full unfi nished basement. Granite countertops, wood fl oors, A/C, gas fi replace and 5 piece master bath. $279,617. *with purchase & closing of home - Offer Expires 4/30/11

3830 Higgins Street, Loveland

OPEN HOUSE SAT & SUN 12-5 PM - 4 CAR

Kevin CookCottage Realty970-532-5900www.teamcook.biz

FEATURED PROPERTIES - UP TO $199,999FEATURED PROPERTIES - UP TO $199,999

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3 BD, 2 BA Ranch, new kit cab and hardwood fl rs. Unfi n bsmt, big back yard, spklrs, privacy fence.$210,000

$500,000+$500,000+$400,000 - $499,999$400,000 - $499,999 LAND FOR SALELAND FOR SALE

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15-326738


SUNDAY 12:00-2:002508 Lake Drive, Loveland Great home on a quiet street across from Lake Loveland. Recent remodel includes newer furnace and central air, roof, windows, carpet and paint. The large lot is fenced, private and has a new spacious patio. The home is light and bright, ready to move into.

$179,900MLS# 642085

Call Kathy Boeding231-9073

SATURDAY & SUNDAY 10:00-12:003275 Adelaide Place, Loveland Well cared for ranch styled townhome. Large master suite w/walk-in closet, gas log fp, tile kitchen & eating area. Walk-in tub, 60 gallon water tank, patio area, front porch & shop area in basement with lots of shelving. 2 bd, 2 ba, and roomy 2-car garage. Walking paths, swimming pool to enjoy during the summer months.

$170,000MLS# 638177

Call Diana Luthi970.481.8692

SATURDAY 1:00-3:001965 Cheyenne Avenue, Loveland Great fi rst time or investor home! This well-cared for 4 bdrm bi-level home offers living areas on each level along w/ 2 bdrms & bath on each level. Updating includes new roof, new fl ooring, new window shades, updated lighting, radon mitigation system & new dishwasher. Fully fenced private mature yard w/ sprinkler system. Blue Ribbon Home Warranty.

$180,000MLS# 649654

Call Deanna McCrery970-222-9532

SUNDAY 12:00-2:00190 Carina Circle #101, Loveland Better than new 3bd/3ba 1953 sq. ft. townhome in desirable Stone Creek. Former model home! Finished basement with media room, bedroom & full bath. Close to everything with pool, hot tub, clubhouse and exercise room. Priced to sell!

$160,000MLS# 636679

Call Jennifer Carpenter231-1407

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

$184,702MLS# 645344

Call Georgena Arnett481-9801

SATURDAY 10:00-12:004017 Temple Gulch Circle, Loveland HIGH ENERGY-EFFICIENT, END UNIT townhome facing huge open space. New carpet on main & stairs. Vaulted ceilings in great room & bdrms. Gas FP, kitchen w/large island, pantry, black appliances. Spacious master w/balcony overlooking open space, 2 closets, 5-pc bath, 9x8 sitting area. Home Warranty.

$214,000MLS# 648996

Call Cathy Vance231-0234

SUNDAY 1:00-3:00209 E 50th Street, Loveland Cozy, well-cared for home in great central location. Spacious living room, kitchen with pantry and large master bedroom with upgraded bath. Central air. Huge backyard with deck and privacy fence. Nicely landscaped. RV parking. Close to Kroh Park.

$184,800MLS# 651662

Call Diane Iwanicki412-7082

SATURDAY 1:00-3:002333 Carriage Drive, Milliken Gorgeous ranch style home w/ over 3400 sq.ft. Finished basement, 4 bedroom + offi ce, new carpet, C/A, 2 person Jacuzzi tub, Trex deck, 2 gas fi replaces, 3 car garage.

$220,000MLS# 651478

Call Cindy Kurtz962-6832

FRIDAY - SUNDAY 1:00-4:00680 Moonglow Drive, Windsor New Homes starting in the $190,000s! Ranch & 2-story plans. Personalize your home from framing to fi nish! Front landscaping with sprinkler is included. Miles of bike trails open space & parks. Call for your personalized showing today!

$195,000MLS# 640714

Call Kelli Couch310-8804

SATURDAY 1:00-3:001922 Windom Place, Loveland Contemporary style craftsman home on a large corner lot. Main fl oor master, study & laundry. 2 bedrooms plus loft upstairs. 3rd level has fi nished bonus room. Hardwood fl ooring on most of the main level. Kitchen w/upgraded appliances, center island & pantry. Just shy of ¼ acre with a huge Trex deck and is fully fenced.

$300,000MLS# 647378

Call Debbie Hansen222-9618

SUNDAY 11:00-1:00160 Kitty Hawk Drive, Windsor Delightful ranch plan in Water Valley South. Wide plank oak fl oors, quartz kitchen countertops, cityscape cabinets with crown molding, decorative tile, stone-trimmed fi replace, covered patio with BBQ grill and much more! Full unfi nished basement. Oversized 2 car garage. Easy access to neighborhood walking paths and community amenities.

$295,000MLS# 650329

Call Matt Thompson 443-9910

SUNDAY 1:00-3:0014500 N Co Rd 27, Loveland Ranch style home on 40 acres. Amazing views! Large, bright fl oor plan. Large kitchen with breakfast bar, formal dining room, private master suite with 5-piece bath, 2 bedrooms and 1 bath at opposite end. Huge deck with bench and views of the valley. Newer septic and well. Next to paved road.

$289,900MLS# 633549

Call Laura Thomas 290-7544

SATURDAY 12:30-2:301442 Mallard Drive, Johnstown WOW! On the Ridge with gorgeous mountain views backing to open space! Designer touches, wood fl oors, crown molding & built-ins. Formal living & dining. Main fl oor study. Large gourmet kitchen w/lots of cabinets, island & double ovens. 4 bedrooms up plus huge bedroom in fi nished basement. Stamped concrete patio with shade arbor.

$300,000MLS# 650233

Call Kristen Specketer 290-8097

SATURDAY & SUNDAY 1:00-3:001541 Dryland Street, Loveland Ranch style home in Taft Farms built by Keirns Construction. Great fl oor plan w/full master bath. 3bds. RV parking, oversized garage. This beautiful home is completed and ready for occupancy. Come out today and see what great things Keirns Construction has to offer! Other fl oor plans & lots to choose from.

$308,500MLS# 641473

Call Jesse Laner or Leslie Moen672-7212 or 679-1637

SATURDAY 1:00-3:00520 E. 5th St., Loveland Awesome easy maintenance home in downtown Loveland! 2 bd, 1 ba, with a 1 car detached garage is zoned BE. Features include; breakfast nook, dining room, large 17x11 master bdrm, & enclosed front porch. Great for single family, investment or business per City’s zoning.

$154,900MLS# 651283

Call Bob Skillman 970.631.2257

SATURDAY 2:00-4:002115 Garo Court, Loveland Great fl oor plan w/all bedrooms, baths, kitchen & laundry on the main level with the openness of an upper level living room & a lower level family room. NEW Anderson windows, slider doors, siding, driveway, gutters, fence & updated main bath. Wonderful mountain views from the upper deck off the living room.

$239,900MLS# 648987

Call Julie Hart 481-1443

SATURDAY & SUNDAY 1:00-3:004004 Plum Creek Drive, Loveland Corner unit in High Plains Village. Main fl oor master with vaulted ceilings and 5-piece bath. Additional master suite upstairs with mountain views! Recently updated carpet and interior colors. Immaculate unit is “move-in” ready.

$225,000MLS# 638455

Call Kim Summitt689-6950

SATURDAY 12:00-2:004111 Marble Drive, Loveland Patio home with inviting sunroom leads to spacious dining & living rooms. Gas FP, central air. Master with 5-piece bath has large soaking tub & walk-in closet. Grab bars at doors & showers for additional safety. Oversized 2 car garage.

$245,000MLS# 648983

Call Kathy Boeding231-9073

SATURDAY & SUNDAY 12:00-5:007405 Pimlico Drive, Windsor Brand new, beautiful 3 bedroom, 2 1/2 bath home with loft, 2 car garage, covered patio and basement on oversized lot backing to open space. Our homes offer incredible value with high quality and energy effi ciency in a serene setting. Ask about our builder incentives. Prices starting at $239,900.

$257,000MLS# 640398

Call Carole Newberry970-443-4047

NEW LISTING

SATURDAY 1:00-3:001040 Wisteria Drive, Loveland Spacious home ideal for entertaining. Wood fl oors on main level. Upgraded cabinets & new kitchen appliances. Vaulted ceilings, main level family room w/gas FP & built-ins. Professionally fi nished basement w/bedroom, offi ce (which can be conforming bedroom) & rec room. New exterior paint. 3 car garage. Huge corner lot. Retractable awning over large patio.

$285,000MLS# 639167

Call Dianne Breneman 222-8549

SUNDAY 2:30-4:001016 Knobcone Place, Loveland 4bd/3ba 2941 sq. ft. Large living area with stone fi replace! Enjoy backyard deck and 1/3 acre mature landscaped yard. New carpet, newer furnace and A/C as well as new driveway. Blue Ribbon Warranty for your peace of mind!

$260,000MLS# 648937

Call Jennifer Carpenter 231-1407

SATURDAY & SUNDAY 12:00-5:007409 Pimlico Drive, Windsor Brand new 4 bedroom, 3 bath, 3 car garage on 8000 sq ft open space lot. 2549 fi nished sq. ft. Granite kitchen, lots of extras. $278,500. Ask about our great builder incentives! Other plans available starting at $239,900.

$278,500MLS# 640727

Call Kristen Specketer290-8097

SATURDAY & SUNDAY 12:00-5:007407 Pimlico Drive, Windsor Brand new 4 bedroom, 3 bath, 3 car garage on 8000 sq ft open space lot. 2549 fi nished sq. ft. Granite kitchen, hardwood fl oors, lots of extras. $314,000. Ask about our great builder incentives! Other plans available starting at $235,000.

$314,000MLS# 640727

Call Kristen Specketer290-8097

SATURDAY 1:00-4:005415 Brookline, Timnath Beautiful home with all the extras. One of our most popular fl oor plans. Huge bonus room on the 2nd fl oor. Gorgeous fi replace in the family room. Slab granite kitchen counters, hardwood fl oors, designer-inspired interior colors and a full unfi nished basement with rough-in plumbing. Fully landscaped and fully fenced. Awesome views!

$340,914MLS# 648273

Call Stephanie Kirkland679-8084

SATURDAY & SUNDAY 1:00-3:003249 Calahan Court, Loveland Covered front porch on this lovely maintained home on a quiet cul-de-sac. Hardwood fl ooring, maple cabinetry, Corian countertops & slate. Eat-in kitchen plus formal dining. Gas FP, a/c. Upstairs master & laundry. Bsmt theater, slate wet bar, bedroom & ¾ bath. Large patio area, fenced backyard & dog run.

$355,000MLS# 650238

Call Diana Luthi481-2692

SATURDAY & SUNDAY 1:00-3:002525 Brittany Drive, Loveland Lake membership to Ryan Gulch to boat, fi sh & swim paid ‘til 5-1-2012. Community pool, tennis, basketball, volleyball. Backs to greenbelt. Updated: granite/Caesar stone quartz counters, refi nished kitchen cabinets, tile fl oors & backsplash, kitchen sink & faucet, SS appliances, light fi xtures, stone FP. Interior & exterior paint. Covered patio & hot tub. 14 month home warranty.

$355,000MLS# 652198

Call Cathy Vance 231-0234

SUNDAY 1:00-3:002503 McKenzie Dr., Loveland Immaculate custom 3bd/3ba ranch w/spectacular mountain/pond views. Kitchen has new pergo fl ooring, new ss appliances & Alder cabinets. Mostly fi n walk-out bsmt. Enjoy mountain views from hot tub on 24X10 covered deck. New neutral carpet being stalled thru out.

$359,900MLS# 651618

Call Coleen Ligotke 690-1732

SATURDAY 1:00-3:003240 Westerdoll Avenue, Loveland Main fl oor features great room w/gas FP, formal dining, kitchen w/breakfast nook, laundry & large master w/5-pc bath & walk-in closet. Basement warmed by additional fi replace and features wet bar, guest bedroom and bath, hobby room, offi ce and storage. Covered back Trex deck, fenced yard w/sprinkler system & beautiful trees. Neighborhood biking, hiking & lake rights.

$358,900MLS# 651991

Call Maribeth Bergan690-1735

SATURDAY 12:00-3:00103 Common Drive, Berthoud Turn of the Century home. Wrap-around, covered front porch. Foyer leads to formal living & dining rooms or huge family room w/ FP. Kitchen features Tharp Cityscape cabinets, granite countertops, large pantry & dining nook. Huge master suite w/5-piece bath & large walk-in closet. 9’ walls in the unfi nished bsmt. Covered patio. 8’ doors in the 3 car garage.

$365,000MLS# 622778

Call Tracy Wilson567-0907

SATURDAY & SUNDAY 1:00-4:004743 Sorrel Lane, Loveland AVAILABLE NOW! Ranch plan backs to 100 ft of greenbelt space with evergreen trees. This 2 bdrm home with main fl r study is built with 2x6 walls, 92% eff furnace & features granite kitchen counters, SS gas range, walk-in pantry, 5 pc mstr bath, 3 car gar, covered patio & more! Please view virtual tour at 4743Sorrel.TheGroupInc.com

$365,000MLS# 640372

Call Becky Vasos 970-217-9874

SATURDAY & SUNDAY 1:00-3:00628 W 4th Street, Loveland Built in 1915 with total remodel and addition to the back of the home. Inviting covered front porch, huge deck for entertaining, fabulous landscaping w/sprinkler system, raised fl ower beds, garden area, apple & cherry trees. Formal living area w/wide white baseboards. Formal dining w/French doors. Lots of amazing built-ins including 2 butler pantries. Historic District.

$399,000MLS# 645384

Call Linda Sioux Stenson 215-9044

SATURDAY 1:30-3:30459 Cape Dory Drive, Loveland Custom home overlooking Boedecker Lake w/amazing indoor & outdoor spaces. 2 covered decks, one for viewing lake & gorgeous landscaping. Hickory fl oors on main level, hickory cabinets, new SS appliances & slab granite counter tops. Formal dining. Kitchen opens to vaulted family room w/natural light from numerous windows & atrium door leading to back deck. Loft & daylight basement.

$398,000MLS# 634847

Call Cindy Kutin391-4735

SUNDAY 1:00-3:008891 Longs Peak Circle, Windsor Beautiful home rich with color and texture. Cherry cabinets, hickory fl ooring, SS appliances, silestone counters, volume ceilings, dramatic windows, incredible views, room for entertaining and much more! 45 x 35 stained concrete patio complete with pergola and hot tub. Extensive landscaping and full perimeter fencing.

$485,000MLS# 651528

Call Matt Thompson443-9810

SATURDAY 11:00-1:003020 Blue Mountain Court, Loveland Enjoy views & wildlife from the deck of this 2 story home on .99 acres. Updated w/ slab granite counters in kitchen & mstr bath. Thermador gas range, spacious rooms, multiple windows, fi nished walkout basement, new tile roof. Neighborhood pool & tennis courts & minutes to 4 lakes for fi shing, boating & hiking!

$498,000MLS# 648274

Call Cindy Kutin 391-4735

SATURDAY & SUNDAY 1:00-3:002096 Vista Drive, Loveland Custom home with incredible quality & style. Located on The Olde Course at Loveland. Secluded back patio. Kitchen w/granite countertops, large island, 5-burner gas range & double ovens. Main fl oor offi ce, formal dining & living room. Heated shop & heated driveway. Mature yard.

$499,000MLS# 644585

Call Nancy Maus213-0554

MOVE-IN READY

SPACIOUS TOWNHOME!

NEW HOMES!

TUESDAY - SUNDAY 1:00-4:004630 Tarragon Drive, Loveland NEW PATIO HOME MODEL IN THOMPSON CROSSING. Choice of 6 ranch plans, 3-car garage options, garden level lots, views, low HOA dues. Convenient location, yet tucked away. Enjoy the million $ sculpture walk, trail & easy access to I-25. Low maintenance living at its best!

$339,000MLS# 645384

Call Kathy Albertz 970-690-6011

NEW LISTING

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.

SUNDAY 11:00-1:003169 Blue Mountain Court, Loveland All brick classic home w/European infl uence. Private park-like .86 acre backs to foothills & open space. Kitchen features custom cherry cabinets, Italian tile, slab granite & cozy hearthroom. Great room warmed by a carved limestone fi replace. Wonderful outdoor living spaces. Neighborhood pool & tennis.

$680,000MLS# 645353

Call Cindy Kutin 391-4735


H& Real Estate TransactionsRE

GLINKFrom Page E1

afford, we stopped making payments onthe loan.

My wife’s relative died without a will.We aren’t sure what to do at this point, orwhat we could expect the bank to do.What course of action should we take?

Answer: Since the title to the home isin your wife’s relative’s name, you effec-tively don’t own title to the home. Whileyou may have been paying the mortgage,taxes and insurance payments for theproperty, you might be viewed more as anoccupant helping with the expenses ofthe home rather than having any realownership interest in the home.

It might be unfortunate that youstopped making payments to the lender.The lender will allow the property to pro-ceed through normal channels on theway to foreclosure. And then the propertywill be sold to pay back what is owed onthe loan.

Depending on the bank and its loan de-partmentdecision-making process, ifyou were to get title to thehome, the bank may waiveits right to foreclose andcall the loan due if you wereto bring the loan currentand continue to make pay-ments on the loan.

But before you can con-sider making any more pay-ments to the lender, you

have to find out who is scheduled to in-herit the home you now live in. Did youand your wife’s relative ever documentthe relationship with the property? Wasanything ever discussed regarding whatmight happen if the relative died? If so,it’s time to dig out that paperwork, be-cause you’ll need it.

Your wife may be one of the beneficia-ries, but if there are others, you mighthave to come to come to terms withthem and see if they will allow you to ob-tain title to the property.

If the other heirs are willing to cooper-ate, and you are able to obtain title, youcan then approach the bank and see if itis willing to reinstate the loan. If thebank reinstates the loan, it would stopany foreclosure proceedings against thehome and would accept payment fromyou in the future.

Yo u ’ll have to work fast and get somehelp with the other heirs. Then you’llhave to approach the bank. If you don’tfeel comfortable doing this on your own,consult with a real estate attorney whocan provide some guidance.

For more information, callGlink’s radio show at800-972-8255 on Sundaysfrom 9 to 10 a.m., write to RealEstate Matters Syndicate, P.O.Box 366, Glencoe, IL 60022 orvisit www.thinkglink.com.

Real Estate Matters

Realtor of the Weekof the Week

Stephanie Kirkland

BROKER ASSOCIATE/PARTNER, THE GROUP, INC.

Location: 5401 Stone Creek Circle, Loveland

Contact: 970-679-8084,s k i r k l a n d @ t h e g ro u p i n c . c o m

Designations, Affiliations & Accolades: Memberof the Loveland/Berthoud Board of Realtors, Col-orado Association of Realtors and National Associa-tion of Realtors. Certified New Home Sales Profes-sional, Certified Residential Specialist, Certified Dis-tressed Property Expert.

Years of experience: 20

I began my real estate career 20 years ago. I actively sell new construction, resale, resi-dential acreage and vacant ground. My span of knowledge includes past experience as atitle company closer, construction loan processing and closing, development loan secre-

tary and licensed real estate assistant. As a real estate professional, I have assisted hundredsof families buy and sell homes in Northern Colorado. I am a past director for the NorthernColorado Sales and Marketing Council and have served as public relations chairperson forthe Loveland/Berthoud Association of Realtors. I attribute my success to hard work and en-joying what I do. My integrity and passion for my customers shine through. I look forwardto assisting you with your real estate needs.

Real Estate Transactions are sup-plied by Prospects Unlimited Inc., 1151Eagle Drive No. 467, Loveland, CO80537, 970-667-1537.

L oveland• Grace Col from 287 Tech Center

LLC, 240 Barberry Pl, Loveland,$1,050,000, home

• Jason Wingate from Bank NewYork Mellon, 1460 Peacock Pl, Love-land, $105,900, home

• Kyle & Diana Duncan from Fan-nie Mae, 1558 Angora Dr, Loveland,$206,000, home

• Darwin & Sharon Martens fromLakes Point Construction Ii Ll, 1563La Jara St, Loveland, $268,800,home

• Tom & Michelle Marshall fromBank America, 2813 Lake Dr, Love-land, $460,000, home

• John & Patricia Taliafer fromGeorge Berkholder, 2272 Bucking-ham Cir, Loveland, $297,500, home

• James Warner from BenjaminButler, 245 Sand Grouse Dr, Love-land, $227,500, home

• Joseph & Sharon Bleicher fromDeutsche Bank National Trust C,4295 Tarryall Ct, Loveland,$562,500, home

• Richard Fryzek from John Good,

4124 16th St Sw, Loveland,$265,000, home

• Melissa Kunzie from Aaron Reed,1215 W 50th St, Loveland,$255,000, home

• Bernard & Louise Wickizer fromSSKM LLC, 1907 Crystal Ct, Love-land, $152,500, home

• Kyle & Samantha Smith fromDerek Turk, 1618 Box Prairie Cir,Loveland, $190,000, home

• Crystal Landis from DeborahBrowne, 1112 Cleveland Ave, Love-land, $149,400, home

• Mark & Kathleen Jacobson fromDassow Living Trust, 2211 Lake Dr,Loveland, $700,000, home

• Linda & Michael Sutergibsonfrom Glen Homes LLC, 2749Crooked Wash Ct, Loveland,$393,500, home

• Lixin Lu from Patricia Guerin,2075 Tonopas Ct Unit 105, Loveland,$116,000, condo

• Ernest Lister from Kathleen Lis-ter, 1598 Wellington Ct, Loveland,$150,000, home

• Charles & Kathy Linde from2080 Chancery LLC, 2080 ChanceryDr, Loveland, $190,000, home

• Letricia Parker from JosephBush, 2320 Buckingham Cir, Love-land, $270,000, home

• Nancy & W Karr from David Gar-cia, 415 Clubhouse Ct, Loveland,$290,000, home

• Theodore Socolofsky from MarkJacobson, 5087 Blue Sky Dr, Love-land, $609,500, home

• Sandra Rodgers from RichardKoepke, 1895 Piney River Dr, Love-land, $220,000, home

• Eric & Karen Martin fromMichael Konopczynski, 2241 AustinCt, Loveland, $163,500, home

Berthoud• John Hall from Travis Bell, 1791

Weld County Road 36, Berthoud,$1,071,000, home

• Shirley & Marco Gonzales fromFannie Mae, 1042 6th Street Ct,Berthoud, $110,000, home

• James Inglis from Sleepy HollowEstates LLC, 4388 Beverly Dr,Berthoud, $100,000, home

Estes Park• Steven & Katherine Urban from

Richard Fryzek, 721 S Saint VrainAve, Estes Park, $237,500, home

• Anna Schonlau from JudithOneal, 2407 State Highway 66 Unit18a, Estes Park, $312,000, condo

• Corey & Ann Jaskolski fromScott Brogan, 1776 Olympian Ln

Unit C, Estes Park, $158,000, condo• Gordon Ulrickson from Alan

Hyrup, 690 Moraine Ave Unit 3,Estes Park, $150,000, condo

• Steve Mcfarland from Alan Sreni-awski, 265 Solomon Dr, Estes Park,$297,500, home

• Iain Mcwhinney from MarysMeadow Development Inc, 345Kiowa Dr Unit 8, Estes Park,$395,000, condo

Johnstown• Darrell & Rebecca Myers from

Heh LLC, 18 Lindenwood Cir, John-stown, $127,000, home

• Frankie & Todd Luther from Pre-cision Home Buildings LLC, 4425Thompson Pkwy, Johnstown,$471,500, home

• Resident from TJ Bldrs Inc, 1803Suntide Dr, Johnstown, $218,000,home

• Cliff Metzger from Russell Wat-son, 1441 Mallard Dr, Johnstown,$202,000, home

• Robert & Marilyn Altmar fromRyland Group Inc, 2750 White WingRd, Johnstown, $271,100, home

• Michael & Kathy Leeder fromBryan Bergholz, 273 Bittern Dr,Johnstown, $287,500, home

• Tim & Hannah Planansky from

Glenn Gantenbein, 466 Castle PinesAve, Johnstown, $185,000, home

• James & Pamela Lutey from FredReichert, 1827 Chesapeake Cir,Johnstown, $174,900, home

• Daina Knutson from Ast Real Es-tate LLC, 825 Charlotte St, John-stown, $105,000, home

• Cathryn & Cathryn Olson fromDarryl Morison, 873 N Greeley Ave,Johnstown, $270,000, home

M i l l i ke n• Tami Mccauley from Michael

Ryan, 1967 Bobby Dr, Milliken,$190,000, home

• Clyde & Janice Hemberger fromWayne Achziger, 2095 Birdie Way,Milliken, $195,900, home

• Mary Hutto from Fed Home LoanMtg Corp, 297 W Hawthorne St, Mil-liken, $148,000, home

Windsor• Michael & Dana Garvey from

Homes Distinction Inc, 7258 SpanishBay Dr, Windsor, $450,000, home

• Daniel Kopach from JasonZiance, 338 Scotch Pine Ct, Windsor,$190,000, home

• Jason Jones from HighlandMeadows Development I, 6603Crooked Stick Dr, Windsor,$100,000, home

• Kristi & Gary Greenfield from KP Devl LLC, 1414 Boardwalk Dr,Windsor, $125,000, home

• Kevin Schlegel from RebekahKent, 1689 Platte River Dr, Windsor,$306,500, home

• Krista Judge from Daina Knus-ton, 104 Beacon Way Unit 6h, Wind-sor, $115,000, condo

• Anthony Reichenbach from Win-ston Ludy, 108 Main St, Windsor,$116,000, home

• Steven Dutro from MelodyHomes Inc, 630 Lanley Dr, Windsor,$190,000, home

• Leland Dutro from MelodyHomes Inc, 622 Lanley Dr, Windsor,$199,000, home

• Michael & M Carey from WalterSapp, 559 Trailwood Cir, Windsor,$207,000, home

• Nathan Koshman from RodneyZapf, 1261 Horned Owl Ct, Windsor,$130,000, home

• Geoffrey Welborn from Preo Bel-mont Ridge LLC, 4612 Pompano Dr,Windsor, $310,000, home

• Nathan & Jenn Downey fromPrestige Homes LLC, 680 SaratogaWay, Windsor, $206,000, home

• Ashley Prothe from Fannie Mae,240 Habitat Cir, Windsor, $182,500,home

• Mathew Goolsby from GlennTravis, 7120 Royal Country Down Dr,Windsor, $460,000, home

645 West 1st Street • LovelandRedone, Redecorated.

Huge shade trees, sunroom, new slate, carpet, cabinets, appliances.

1 mile to ACE campus, Lake Loveland and downtown. 800sf. In-home offi ce/

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Phone: (970) [email protected]

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

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34

4


AL HE AV E N SMCCL AT C H Y-TRIBUNE SE RV I C E S

Question: We are selling our home andhave a bid on it. But before the homeinspector left, he shared some ofthe items of concern on his report.

He said we had a small amount of carbonmonoxide leaking from our heater, and that itneeded to be cleaned. He showed me how hetested it and explained to me that most in-spectors do not even test half of the thingsthat he was testing.

I showed him our carbon monoxide monitor,and it was not reading dangerous levels.

Regardless, we had a heating company cometo our home and completely service theheater, and the service person said all was well.The servicer said it was common for carbonmonoxide to leak when the burner is heatingup.

My gut feeling is that we are going to have toreplace or give a credit at settlement for a newheater. We obviously would never want to sell

our home to someone under any unsafe condi-tions.

However, we have maintained and upgradedmost areas of the home and are now also beingtold how the electricity was done incorrectly orhow the outlets aren’t grounded.

My question: When it comes to inspections,is there a standard or code of conditions thatmust be tested and documented, or is it sub-ject to the inspector?

Answer: The American Society of Home In-spectors says that heating and electrical sys-tems are among the items covered in a stan-dard inspection.

In the inspector’s opinion, and I don’t knowthe areas in which he is well-versed, the fur-nace required cleaning because he detectedcarbon monoxide when it was operating.

So, in response, you had the furnace ser-viced. You should obtain something from theservicer to show this has been done.

Carbon monoxide is a byproduct of incom-plete combustion caused when there isn’tenough oxygen available to create carbon diox-

ide, and a dirty furnace is a common cause ofthis.

What the servicer should have done wasmake sure that the problem had been takencare of.

Does a small amount of carbon monoxide re-sult every time a furnace comes on? I don’tknow, but I placed a spare detector within sixinches of our furnace on a cold evening in lateMarch and it didn’t even burp when the fur-nace came on time and time again.

The instructions even caution not to put thedetector as close as I did, but still it continuedto flash “0.”

Electricity? If the buyers are concerned, theyshould have a licensed electrician inspect thework. In fact, the same goes for the furnace.Tell them to hire a HVAC company to inspect itif they are concerned with the inspector’s re-port.

The home inspector association’s standardsof conduct clearly state that if the buyer hasconcerns about the issues raised in the report,he or she should contact an independent ex-

pert to conduct further testing.That’s the buyer. Not the seller.If the buyer eventually wants you to lower

your price, it is up to the buyer to presentclear and indisputable reasons why.

Question: We have 50-year-old fiberglassawnings that need to be updated. They are notfalling part, but their appearance needs to beupdated.

A couple of years ago, we power washedthem, which brought up the fiber, and, conse-quently, the awnings showed dirt after a time.

My husband is suggesting painting them.Answer: I don’t think you should have power

washed the awnings, considering their age.This round, you might try washing them

with soapy water, rinsing with a garden hose,wiping away stubborn stains with distilled vine-gar or foaming them away with baking soda(all Internet ideas), and then sealing themwith a coat of car wax.

I wouldn’t paint them. Since they don’t oweyou anything, and it has been 50 years, per-haps it is about time for new ones.

Your Place: How important are the home inspector’s findings?H& real EstateRE

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

15-325097

saturday sundayPRICE LOCATION ADDRESS HRS OFFICE PHONE

From the $140’s*

NW LOVELAND43RD & WILSON AVENUE THE COTTAGES AT ENCHANTMENT RIDGE

12-5THE COTTAGE REALTY

970-532-5900

$140’S -$220’S

SE LOVELANDBOISE VILLAGE NORTH, ¼ MILE SOUTH OF HWY 34 ON N. BOISE AVENUE, 1899 E. 11TH

10-6 MIDTOWN HOMES 970-456-4600

$154,900 SE LOVELAND 520 E 5TH STREET 1-3 THE GROUP, INC. 970-631-2257

$159,000 BERTHOUD 832 6TH STREET 12-2RE/MAX TOWN & COUNTRY

970-290-3393

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

970-532-5900

$170,000 NW LOVELAND 3275 ADELAIDE PLACE 10-12 THE GROUP, INC. 970-481-8692

$180,000 NE LOVELAND 1965 CHEYENNE AVENUE 1-3 THE GROUP, INC. 970-222-9532

$184,702 SE LOVELAND 255 CARINA CIRCLE #104 1-4 THE GROUP, INC. 970-481-9801

$185,000 NE LOVELAND 2252 ULMUS DRIVE 1-3PRUDENTIAL ROCKY MOUNTAIN REALTORS

970-590-3555

$195,000 WINDSOR 680 MOONGLOW DRIVE 1-4 THE GROUP, INC. 970-310-8804

$214,000 NE LOVELAND 4017 TEMPLE GULCH CIRCLE 10-12 THE GROUP, INC. 970-231-0234

$219,900 NW LOVELAND 2730 HARTSEL COURT 1-3 RE/MAX ALLIANCE 970-391-8982

$220,000JOHNSTOWN / MILLIKEN

2333 CARRIAGE DRIVE 1-3 THE GROUP, INC. 970-962-6832

$225,000 NE LOVELAND 4004 PLUM CREEK DRIVE 1-3 THE GROUP, INC. 970-689-6950

$239,000 NW LOVELAND 4496 HAYLER AVENUE 12-5THE COTTAGE REALTY

970-532-5900

$239,900 NW LOVELAND 2115 GARO COURT 2-4 THE GROUP, INC. 970-481-1443

$245,000 NW LOVELAND 4111 MARBLE DRIVE 12-2 THE GROUP, INC. 970-231-9073

$257,000 WINDSOR 7405 PIMLICO DRIVE 12-5 THE GROUP, INC. 970-443-4047

$264,900 BERTHOUD COLLINS PARK SUBDIVISION 12-3 RE/MAX ALLIANCE 970-290-1798


$285,000 NE LOVELAND 1040 WISTERIA DRIVE 1-3 THE GROUP, INC. 970-222-8549

$292,000 NW LOVELAND 2457 ABEYTA COURT 1-3 COLDWELL BANKER 970-691-0468

$298,664 NW LOVELAND 4355 RIDGWAY DRIVE 12-5THE COTTAGE REALTY

970-532-5900

$299,000 SW LOVELAND 4403 TWIN PEAKS 1-4METRO BROKERS / ReACTION RE

970-962-4690

$300,000JOHNSTOWN / MILLIKEN

1442 MALLARD DRIVE 12:30-2:30 THE GROUP, INC. 970-290-8097

$300,000 NE LOVELAND 1922 WINDOM PLACE 1-3 THE GROUP, INC. 970-222-9618

$308,500 NW LOVELAND 1541 DRYLAND STREET 1-3 THE GROUP, INC. 970-672-7212


$323,400 SW LOVELAND¼ MILE WEST OF WILSON ON 14TH STREET SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION

12-4 GLEN MARKETING 970-663-4522

$339,000 SE LOVELAND 4630 TARRAGON DRIVE 1-4 THE GROUP, INC. 970-690-6011

$340,914 TIMNATH 5415 BROOKLINE 1-4 THE GROUP, INC. 970-679-8084

$355,000 NW LOVELAND 3249 CALAHAN COURT 1-3 THE GROUP, INC. 970-481-2692

$355,000 SW LOVELAND 2525 BRITTANY DRIVE 1-3 THE GROUP, INC. 970-231-0234

$358,900 NE LOVELAND 3240 WESTERDOLL AVENUE 1-3 THE GROUP, INC. 970-690-1735

$365,000 SE LOVELAND 4743 SORREL LANE 1-4 THE GROUP, INC. 970-217-9874

$365,000 BERTHOUD 103 COMMON DRIVE 12-3 THE GROUP, INC. 970-567-0907

$371,750 NW LOVELAND 3402 CREEDE COURT 1-4 PREMIER LIFESTYLE 970-215-9913

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

$398,000 SW LOVELAND 459 CAPE DORY DRIVE 1:30-3:30 THE GROUP, INC. 970-391-4735

$399,000 SW LOVELAND 628 W 4TH STREET 1-3 THE GROUP, INC. 970-215-9044

$414,900 NW LOVELAND 1554 HOMELAND STREET 1-3COLORADO FRONT RANGE REALTORS

303-589-1626

$425,000 SW LOVELAND 535 MARCELLINA DRIVE 1:30-3:30 RE/MAX ALLIANCE 970-679-8265

$498,000 SW LOVELAND 3020 BLUE MOUNTAIN COURT 11-1 THE GROUP, INC. 970-391-4735

$499,000 NW LOVELAND 2096 VISTA DRIVE 1-3 THE GROUP, INC. 970-213-0554

$585,000 WINDSOR 4662 MEADOWLARK DRIVE 1-4 KELLER WILLLIAMS 970-231-5082

$895,000 SW LOVELAND 288 RESERVOIR DRIVE 1-4 PREMIER LIFESTYLE 970-481-5512

PRICE LOCATION ADDRESS HRS OFFICE PHONE

$109,500 NW LOVELAND 1462 CAPULIN DRIVE 1-3 RE/MAX ALLIANCE 970-213-3603

From the $140’s*

NW LOVELAND43RD & WILSON AVE THE COTTAGES AT ENCHANTMENT RIDGE

12-5THE COTTAGE REALTY

970-532-5900

$140’S -$220’S

SE LOVELANDBOISE VILLAGE NORTH, ¼ MILE SOUTH OF HWY 34 ON N. BOISE AVENUE, 1899 E. 11TH

10-6 MIDTOWN HOMES 970-456-4600


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

970-532-5900

$170,000 NW LOVELAND 3275 ADELAIDE PLACE 10-12 THE GROUP, INC. 970-481-8692

$175,000 NW LOVELAND 1468 CAPULIN DRIVE 1-3 RE/MAX ALLIANCE 970-213-3603

$179,900 NW LOVELAND 2508 LAKE DRIVE 12-2 THE GROUP, INC. 970-231-9073


$184,800 NE LOVELAND 209 E 50TH STREET 1-3 THE GROUP, INC. 970-412-7082

$195,000 WINDSOR 680 MOONGLOW DRIVE 1-4 THE GROUP, INC. 970-310-8804

$195,000 NW LOVELAND 4568 MEAD PLACE 2PM RE/MAX ALLIANCE 970-622-1846

$225,000 NE LOVELAND 4004 PLUM CREEK DRIVE 1-3 THE GROUP, INC. 970-689-6950

$239,000 NW LOVELAND 4496 HAYLER AVENUE 12-5THE COTTAGE REALTY

970-532-5900


$259,500 SW LOVELAND 227 JOHNSON DRIVE 1-3 RE/MAX ALLIANCE 970-622-1809

$260,000 NE LOVELAND 1016 KNOBCONE PLACE 2:30-4 THE GROUP, INC. 970-231-1407

$264,900 BERTHOUD COLLINS PARK SUBDIVISION 12-3 RE/MAX ALLIANCE 970-290-1798


$289,900 NW LOVELAND 14500 N CO RD 27 1-3 THE GROUP, INC. 970-290-7544

$295,000 WINDSOR 160 KITTY HAWK DRIVE 11-1 THE GROUP, INC. 970-443-9910

$298,664 NW LOVELAND 4355 RIDGWAY DRIVE 12-5THE COTTAGE REALTY

970-532-5900

$308,500 NW LOVELAND 1541 DRYLAND STREET 1-3 THE GROUP, INC. 970-672-7212


$323,400 SW LOVELAND¼ MILE WEST OF WILSON ON 14TH ST SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION

12-4 GLEN MARKETING 970-663-4522

$339,000 SE LOVELAND 4630 TARRAGON DRIVE 1-4 THE GROUP, INC. 970-690-6011

$355,000 SW LOVELAND 2525 BRITTANY DRIVE 1-3 THE GROUP, INC. 970-231-0234

$355,000 NW LOVELAND 3249 CALAHAN COURT 1-3 THE GROUP, INC. 970-481-2692

$359,900 SW LOVELAND 2503 MCKENZIE DRIVE 1-3 THE GROUP, INC. 970-690-1732

$365,000 SE LOVELAND 4743 SORREL LANE 1-4 THE GROUP, INC. 970-217-9874

$371,750 NW LOVELAND 3402 CREEDE COURT 1-4 PREMIER LIFESTYLE 970-215-9913

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

$399,000 SW LOVELAND 628 W 4TH STREET 1-3 THE GROUP, INC. 970-215-9044

$425,000 SW LOVELAND 535 MARCELLINA DRIVE 1:30-3:30 RE/MAX ALLIANCE 970-679-8265

$485,000 WINDSOR 8891 LONGS PEAK CIRCLE 1-3 THE GROUP, INC. 970-443-9810

$499,000 NW LOVELAND 2096 VISTA DRIVE 1-3 THE GROUP, INC. 970-213-0554

$585,000 WINDSOR 4662 MEADOWLARK DRIVE 1-4 KELLER WILLLIAMS 970-231-5082

$680,000 SW LOVELAND 3169 BLUE MOUNTAIN COURT 11-1 THE GROUP, INC. 970-391-4735

$895,000 SW LOVELAND 288 RESERVOIR DRIVE 1-4 PREMIER LIFESTYLE 970-481-5512


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

H& Front Range GardeningRE

This spring take stock of winter damage to conifers

Or namentalgrasses are

low-maintenanceand adaptable

Now is the time to plant berries

CA RO L O'MEARACSU EXTENSION, BOULDER COUNTY

The warm winter wasn’t kind to everythingin the landscape, and as spring brings itsflush of green, our pines and evergreens

are looking a little ragged. Brown needles anddried up foliage has homeowners worried overtheir trees.

“Oh, yes, we’re seeing a lot of winter damageon evergreens,” said Curtis Utley, Plant, Insect,and Disease Diagnostician with the ColoradoState University Extension Plant Clinic in Jeffer-son County. “But the weird thing is that none ofit showed up until after we had that bad coldsnap in February.”

February saw below-normal temperatures,dipping to 17 below zero on the 2nd, and set-ting a new record for lowest maximum of minus1 on February 1. “We were real mild until then,and I think trees could still move a little water(into the canopy).” Needles on the verge of dy-ing from the bone dry winter froze, Utley said,“that cold snap freeze dried them, adding insultto injury.”

The plant clinic has received more than a nor-mal share of samples from trees with this dam-age, which shows up as dead needles that re-mained green, instead of the typical brown.Browning needles are usually from dry winterconditions and is common, especially on thesouth or west sides of conifers.

Arborvitae seem to have suffered from thedeep freeze more than other evergreens, al-though many boxwoods and euonymous shrubswere damaged. When this happens, thesebroadleaf evergreens have bleached leaves orleaf edges.

If the tree had light damage, the buds shouldbe alive and grow this summer. But if thebranch stays brown, with no new growth afterother parts of the tree have broken bud, pruneit off.

Wind also took its toll on many of theconifers, wicking away moisture from the nee-dles. But Utley said wind also can have an unex-pected consequence: abrasion injury. “I see iton spruce a lot, with their dense, closely stackedbranches. The wind causes the branches to rubtogether, abrading off the needles. The barklooks strange; normally it’s scaly, but when windrubs the branches over and over, the scales aregone, leaving a smooth bark.”

Little can be done to prevent this, unless youplant the spruce in a wind-free zone. Sincethat’s unlikely on the Front Range, practice alittle tree triage, removing any branches thatare cracked from the wind to minimize diseasemoving into the wounds.

Rounding out the rogue’s gallery of coniferproblems this spring has been voles. The mead-ow vole (Microtus pennsylvanicus) and prairievole (M. ochrogaster), are common along theFront Range. These small, mouse-like creaturesstrip bark from roots or lower trunks of treesand shrubs, girdling the trunk, often killingbranches or the entire plant.

“There’s been plenty of damage around fromthem. They like the low growing junipers, theground cover types.” Utley, who has been a diag-nostician with the plant clinic for eight years,said he believes the rascally rodents are gettingworse. “I see more and more samples with dam-age from them every year.”

Vole damage can be hard to detect on ju-nipers; often the gnawed trunk is hidden by

dense foliage. But they often leave tell-tale signsin your lawn, by tunneling through, leavinglumps and odd trails on the surface, as if a giantearthworm slithered across the grass. In yardswhere many voles have tunneled, the groundmay feel spongy.

Lush landscapes hide voles from predators.Remove grasses or groundcovers that come upto trees and shrubs, leaving the area exposed ormulched. In extreme cases, encircle the plantwith stout, quarter-inch wire netting.

Shutterstock Photos

SUSAN PE R RYCSU EXTENSION, LARIMER COUNTY

Question: The house I recently moved into hasornamental grasses. What kind of care do theyneed?Answer: Ornamental grasses have a number of

qualities that make them appealing to many garden-ers. Ornamental grasses are available as both annualsand perennials and come in a variety of colors, shapesand sizes. There are grasses that adapt to almost anyconditions: wet, dry, sunny or even slightly shady. Or-namental grasses are a great way to naturalize a gar-den, and they add both movement and sound to thelandscape. Finally, they have a year-round appeal.

Perennial ornamental grasses are divided into twomajor categories: cool season and warm season. Thesedescriptions refer to the preferred growth tempera-ture for a particular variety of grass. Cool season orna-mental grasses include blue fescue, sand love grass,feather reed grass, and tufted hair grass. Warm seasonperennial grasses include switch grass, maiden grass,Indian grass, and little bluestem. Annual ornamentalgrasses, like annual flowers, last only one season.

Beyond the aesthetic appeal of ornamental grasses,one advantage of ornamental grasses is they are a rela-tively low maintenance addition to any landscape.Most people feel ornamental grasses add “winter inter-est” and are often left untrimmed through the winter.Regardless of whether a grass is a warm or cool seasonvariety, spring is the best time to plant new ornamen-tal grasses, transplant existing grasses, and to performroutine maintenance, like cutting them back.

Every spring, no later than the middle of April, youshould trim the grass to 6-8 inches tall, taking carenot to cut any new growth. To be safe, wear gloves asthe edge of some dried grass stalks can be sharpenough to cut skin. In addition, grasses gradually growwider each year, so spring is also the time to lift anddivide grasses that are too large or that do not havegrowth in the center of the clump. It is best not towait too many years to lift and divide, as the root ballscan become extremely heavy and hard to lift. Simplydig up the root ball and use a sharp, flat shovel bladeto divide the root ball into smaller pieces (two orthree). Return one root ball into the original locationand plant the others elsewhere in the landscape. Lift-ing and division may need to be done every three tofive years, depending on growing conditions and spaceconstraints.

Most ornamental grasses have no insects or pests.In the rare case of aphids or mites, a steady streamof water will wash the insects away and resolve theproblem. In fact, many of the ornamental grassesthat grow well in Colorado are natives of the prairiegrasslands. Before buying and planting ornamentalgrasses, it is best to research the conditions each vari-ety prefers so that they can be located in the land-scape in places they will flourish. For more informa-tion, consult CSU Extension Fact Sheet #7.232 atw w w. e x t . c o l o s t a t e . e d u / p u b s / g a rd e n / 0 7 2 3 2 . h t m l .

Foothills Apts2 Bdrm Apartment Homes

Ground Floor Available● Includes Washer & Dryer

● Park-Like Setting● Garages Available

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

2 BDRM- 332 Terri, $625Spacious! Balcony

rmpm.com. 970-669-0842

2 BD- Avl 5/1. Over 55,N/P/S. $630/inc HWT. 10th& Van Buren. (970)663-3570

1 Studio 4012 Eisenhower$450. Utilities Included!rmpm.com. 970-669-0842

1 BDRM new paint/flring,W/D hkup, all utils pd. Nosmk/pets. $595. 970-669-2645

1 BDRM ExecutiveSpacious, well-appointedloft in Downtown Lovelandwith optional single-car ga-rage. This beautiful 1100 sqft apartment is newly ren-ovated. $950 per month. Nosmoking or pets. Call970-980-6801 for application.

1 Bdrm, 713 Garfield, $455Wall A/C, near downtownrmpm.com. 970-669-0842

1 BDRM- 1314 E. 16th, $490Wall A/C, Bright!

rmpm.com. 970-669-0842

** 0 UTIL * 1-2 rm StudiosW/D WiFi On-site MgrDTV $335-630 970-219-6353

Apartments/Unfurnished 4030

KITCHENETTESWeekly, monthly rates.

Utilities paid. Satellite TV,laundry room. 970-663-0400

ALL BILLS PAID!!!1 BDRM/studio, furnishedor unfurnished. DowntownLoveland. $550-$625/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: [email protected]

AVAIL MAY 1ST! Nice,clean 2 bdrm/ 2 ba lowerlevel w/ det gar, near LvldOutlets. Incl all applcs &W/D. $925. Call 661.414.4338

3 Bdrm- 4085 Temple Gulch$1395 Unfin bsmt, GREAT!rmpm.com. 970-669-0842

2 Bdrm 4039 Don Fox, $1250on golf course, VIEWS!rmpm.com. 970-669-0842

2 BDRM- 2154 Campo, $995Unfin bsmt, 1 car, Avl 6/1rmpm.com. 970-669-0842

2 BDRM, 1 BA,1125 Gard Pl #4. $575

Faith Property 970-377-1626

2 bdrm, 1.5 ba, 2 stry, VeryNice, by park, hdwd Pet?N/S. $775. Lvld. 970-227-7026

Condos/Townhouses 4050

GREAT Location! 2300 Sq.Ft. Nice office building atHwy 34 & 287. (970)667-7774

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

CommercialIndustrial 4040

Avail: 2 bdrms, exc cond,ht & wtr pd, central loc,fncd yd. 970-308-7387

DOWNTOWN LUXURYAPARTMENT HOMES

Studio 1, 2, & 3Bedrooms-

•Great Amenities•Pet Friendly

•Covered Parking•Amazing Views

1 Block from downtown4th Street

Lincoln Place325 E. 5th St., Loveland.

970-461-8000

3 BDRM, 1-1/2 BATHAvailable in May.

ALL utilities included,low deposit, large livingroom, extra storage.$815/mo. (970)669-1375

2 BDRM, 1 ba, 2nd flr, nice,N of dwntwn, ht/wtr pd, nosmk, cat? $575. 970-227-7026

Apartments/Unfurnished 4030

3 BDRM, 2 BA in Berthoud2 car gar, fncd bkyd, A/C,avail 5/1, $1300. 303-589-0211

3 BD 3854 Foothills $1595Fin bsmt, new carpet, N/P.rmpm.com. 970-669-0842

2 BDRM 9441 WCR 18E$1095. 1⁄2 acre yd, pets negowww.rmpm.com. 669-0842

2 BDRM, 1 BA,332 E 2nd St ✭ $725

Faith Property 970-377-1626

EQUAL HOUSINGOPPORTUNITY

All real estateadvertised in this

paper is subject to thefederal and state Fair

Housing Act whichmakes it illegal to

advertise “anypreference, limitation

or discriminationbased on race, color,

religion, sex, handicap,familial status or

national origin, or anintention to make any

such preference,limitation, or

discrimination.”

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

20x50 w/12x14 overheaddoor & walk door, securitycameras. $375/mo. InWindsor. (970)686-7257

Garages/StorageSpaces 4070

3 BDRM- 924 E. 8th, $795Deck, big living roomrmpm.com. 970-669-0842

2 BDRM, 1816 Lydia- $825Unfin bsmt, 1 car garagermpm.com. 970-669-0842

2 BDRM- 1557 E. 5th $695Own yard, BIG kitchenrmpm.com. 970-669-0842

Duplexes 4060

AASSKK AABBOOUUTT BBAARRGGAAIINNHHUUNNTTEERR RRAATTEESS!!

They’ll save you money!

I WILL MOVE YOURMOBILE HOME FREE

LOT RENTSTARTING @ $199250+Communities

to choose fromOffer expires 3/31/2011

970-420-8488

✭ 3 BDRM, 1 BATH ✭W. Hwy 34. $700/mo + dep.Pets on appr. Se HablaEspanol, 970-685-8573

✭ 2 BEDROOM HOMES ✭$600 - $650 + dep.

W. Hwy 34. Pets on apprSe 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

5 bedroom, 4 bath inLoveland Lakeside TerraceEstates, use of swimmingpools & tennis court, $1750/m o n t h + d e p . , N S ,303-915-1266 or 970-984-2929.

3 BDRM- 903 Ptarmigan$1325. Newer carpet, Deckrmpm.com. 970-669-0842

3 BDRM- 798 Blue Azuite$1325/mo. Unfin bsmt, A/Crmpm.com. 970-669-0842

3 BDRM, 2 ba, bsmnt, 1car, Sec 9 ok, pets okw/dep. Close to school &park. $1050/mo. + deposit.

305 N. Roosevelt Ave.Avail now, 970-221-3382

3 BD, 2 BA, 2 CAR GARNewly Remodeled Custom

Home, West of Lake.Quiet Neighborhood. $1325

Brian 970-217-8050

Houses 4080

2628 HARTSEL CT.MLS #648330 $249,900, 4 bed,4 ba brick ranch, 3340 sqft,oversized 3 car gar w/ RVBay. Call Rob 970-203-1101At Home Real Estate Co

Loveland 5110

Highest Bidder House Sale!Owner carry, 1503 Oak Dr,Open Sat/Sun 1-4p 701-729-7772

Berthoud 5020

Responsible older maleneeds small farmhouse/aptto rent w/space for 2 mini.

donkeys. 303-746-7028

LAND or SPACE wanted topark camper. Need hook-ups for permanent living.Call 970-412-9453.

WantedTo Rent 4170

OWN bdrm & bath, sharehouse, smoking & pet OK.$400/mo. (970)635-2703

NEWER HOME 1 bdrm,1 ba, share gar, W/D,

cbl/internet. $550/mo. inc.utilities (970)402-2131

RoommatesWanted 4120

Office and Retail spaces.Starting at $150. Utilities

Included. 970-613-1477

Office Space 4100

IT PAYS TO BUY!$1000.00 Cash Rebate

If purchase Feb.Easy Credit Low Down

Starting under $699That includes Lot Rent!

970-420-8488

Mobile Homes/Spaces 4090

BIGHEADLINES

GET THEJOB DONE!

Get results todayin the Classifi eds

Call303-776-7440 or970-635-3650

BUYING & SELLINGAll types of mobile

homes! (970)962-9860

Mobile/ManufacturedHomes/Spaces 5130

Want to buy, $185,000 orless. 3 bdrm, 2 ba home, 2car gar, big yard. CallCindy´s Realty 970-481-6771

OPEN ✭ SAT 1-4 ✭ $299K4403 Twin Peaks

4 Bdrm Ranch, beauty.MB ReAction 970-962-4690

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

22 Acre Horse Property3 bdrm/2 ba, 22 fncd acres,cross-fncd w/ 14 acres irri-gated grass/alfalfa, loafingshed & barn. Water rightsinc. $439,500 Landstar Real

Estate 970-667-3294

Loveland 5110

MITZI DAV I SCSU EXTENSION, LARIMER COUNTY

• Plant raspberries, strawberries, cur-rents and gooseberries now. You’ll findbare root plants at the nurseries, at priceslower than potted plants. Protect newplants from late season snow storms orhard freezes.

• Your daffodils might not bloom if theybecome too crowded. Let the foliage die

down naturally, mark the spot and dividethem this fall. Plant daffodils in a locationthat gets six to eight hours of sun a day.

• Glyphosate (Trade name RoundUp)has a lower environmental impact quo-tient toxicity rating than insecticidal soap,horticultural oil or pyrethrum. Use it onlyon green and growing plants so that theherbicide can be carried to the roots tokill the plant.

• Tax Day is a good way to remember toremove tree wrap from your young trees.

Leaving tree wrap on all year restrictstree growth and can result in girdlinginjury and can harbor insects and diseases.You can also remove stakes and guy wiresif the trees are firmly rooted in theg ro u n d .

• Core aerate your lawn to improve wa-ter infiltration, reduce soil compactionand control thatch. Water the lawn beforeaerating — the soil is very dry. Aerationwill not interfere with pre-emergent herbi-cide/fertilizer that has already been ap-plied. Leave the cores on the lawn to de-compose or rake them up and add them toyour compost pile.

Documents

Real Estate Guide