Real Estate Guide

Saturday Reporter-Herald Oc tober 30, 2010 E1

• •

Real EstateMatters

www.homeandrealtyguide.com Saturday, October 30, 2010 Reporter-Herald

� See Glink /Page E4

Listings of recentlysold properties along

the Front Range

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Real EstateTr a n s a c t i o n s

Director yPPPaaagggeee EEE555

Inside this week’s Home & Real Estate

Charleston isbright, opencountr y-style

home

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Featured Home Plan

PAID A D V E RT O R I A L

Numbers veryrarely lie. Infact, they

most often always donot.

One significantnumber to note is47. That was the per-centage of all homebuyers last year thatwere considered a“first-time homebuy-e r, ” according to theNational Associationof Realtors (NAR).The number 8,000was very importantto that 47 percent —as that was the maxi-mum amount al-lowed for these first-time homebuyers toclaim on their in-come tax returns thisy e a r.

But do you knowwhat number is evenmore powerful than8,000? How about43,235? Or even bet-ter — 77,507? Thosetwo numbers arewhat some homebuy-ers could be savinginstead of just$8,000.

Since the expira-tion of the first-timeand repeat homebuy-er tax credits earlierthis year, interestrates have beensteadily declining ev-er since.

David Powell, themanaging broker ofthe RE/MAX Allianceoffice in Lovelandsaid that while hefeels the tax credithad a notable impacton home sales in thelast year, the lowerrates are really whatbuyers should beconsidering now.

“I think that thetax credit initiallywas a great way tospark some interest

in these youngerfirst-time buyers,”Powell said. “Howev -er, a lot of peoplenow are overlookingthe fact that ratesare much lower nowthan they were dur-ing the tax credit andthat is really whatpeople need to capi-talize on.”

According to datafrom Colorado Mort-gage Alliance’s homemortgage consul-tant, Gloria Elijah, itwas very common forrates to be around5.5 percent earlierthis year when thetax credit was still ineffect.

In the past month,rates have been morethan 1 percent lowersince the spring —around 4.125 per-cent. And that extra1.375 percent can goa long way.

Take, for example,a loan for $150,000.While you would onlysave an extra $84.26per monthly paymentinitially with the low-er rate — over thelife of a 30-year loan,you would actuallyend up saving$43,235.60. Or howabout a $200,000

loan: initially, month-ly payments are de-creased by $97.86;with a grand total of$77,507.02 in sav-ings after 30 years.Once again, thenumbers don’t lie.

Powell added thatpotential buyersshould talk to ahome mortgage con-sultant to determinetheir best options forwhat is available tothem.

“The great thingabout these lowerrates is that somebuyers maybe couldnot have qualified topurchase a certainhome six months agobecause their month-ly payment was goingto be too high. Now,with these lowerrates, some of thosehomes that were justoutside of the pricerange six months agocan now be consid-ered,” he said.

Powell also saidthat RE/MAX Al-liance’s affiliated ser-vice, Colorado Mort-gage Alliance, has lo-cations all along theFront Range and canhelp buyers with alltypes of financing.From new home pur-chases, to refinanc-ing, new construc-tion, or home equitylines, talking with ahome mortgage con-sultant from Col-orado Mortgage Al-liance can help an-swer all your ques-tions.

Numbers Don’t LieLow interest

rates cansave a

substantialamount

“Now, with these lower rates,some of those homes that

were just outside of the pricerange six months ago can

now be considered.”— David Powell, managing broker of

RE/MAX Alliance in Loveland

ILY C E GLINKTRIBUNE MEDIA SE RV I C E S

Question: Our homeown-er’s association has re-strictive covenants

that created two classes ofhomeowners.

One class is those homeownersthat that received their propertydirectly from the developer, andthe second class is all the otherhomeowners. The developer classhas voting rights in the associa-tion that are superior to those ofthe others.

For many years, all owners vot-ed without regard to the classifi-cation until about a year agowhen a new board of directorsrewrote the documents. The newlanguage provides that the non-developer owners can only vote asa bloc and no longer vote individ-ually. For the change in the docu-ments, the board of directorscalled a meeting in which theysaid that if there was no voteagainst the change they wouldconsider that a vote in favor ofthe new change.

I have read the Florida statuteon homeowners’ associations andit seems that the board’s positionis contrary to the laws in ourstate. I hired an attorney to cometo the annual meeting after re-viewing the original documentsand the proposed changes, andhis opinion was the same asmine. The board disregardedboth my opinion and the attor-ney’s and went forward anyway.

At this point, since I have noright to vote, I feel as though Ishouldn’t have to pay monthlydues. What is your opinion? Am Irequired to pay dues if I have novote? If I must pay, what is theleast expensive way to go aboutproclaiming my rights and actingupon them?

I do not want the hassle/ex-pense of suing the association,and am looking to minimize anyfurther legal fees. Can I as an in-dividual petition a court for somesort of injunctive relief?

Answer: The issue of payingyour dues is separate and distinctfrom the actions of the board ofthe association. You should prob-ably continue to pay your dues.Even if the actions of the boardare illegal, you are still receivingservices and benefits from the as-sociation, whether you have avote or not.

The association may have apool, common areas, parkinggarage, gatehouse, security andmany other expenses that arebeneficial to you, and yourmonthly dues (or maintenancefees) cover those expenses.

And while you don’t have aright to “vote,” you probably stillhave a duty to pay these fees.Even if you’re not looking for a

HOA isdivided

530 E. 13th St.,Loveland —

three beds, twobaths, $154,500

PPPaaagggeee EEE333

Property of the Week


Real Estate Transac-tions are supplied byProspects UnlimitedInc., 1151 Eagle DriveNo. 467, Loveland,CO 80537, 667-1537.

L oveland• Curtis & Pamela

Schock from FullerPartners, 3363 PaddyLn, Loveland,$950,000, home

• Frank Stone fromGalor Ira & Vered B,4069 Swan MountainDr, Loveland,$279,900, home

• Andrew & JannieCrosby from LuereJames H & Susan,755 E 23rd St, Love-land, $173,500,home

• Kurt Skott fromUs Bank, 415 NCounty Road 23h,Loveland, $159,000,home

• Brandon &Kathryn Mcdermottfrom Wakeman DavidM & Jennifer E, 1890Twin Lakes Cir, Love-land, $197,000,home

• William Fisherfrom Bank Choice,1421 Cleveland Ave,Loveland, $125,000,home

• Robert Stumpfrom BellingerSharon R, 3006Kiowa Dr, Loveland,$279,000, home

• Richard & MonnBuckley from FedHome Loan MtgCorp, 2501 FairplayDr, Loveland,$182,000, home

• Jeannine Machonfrom Ferrero RobertE & Nancy J, 1100Westshore Pl, Love-land, $810,000,home

• Paul Decker fromHartman Esther, 411E 12th St, Loveland,$110,000, home

• Roland & An-nemarie Stollsteimerfrom J N Llc, 5266Deer Meadow Ct,Loveland, $479,800,home

• Jason & MistiMullins from Linne-mann Kent L & DawnL, 6253 Mangrove Dr,Loveland, $252,000,home

• Jack & KathrynForbis from PattonRodger & Melanie L,6000 Otero Ave,Loveland, $275,000,home

• Bryan & BarbaraEngle from MorganStanley Abs Capital II, 5901 Shen Rd,Loveland, $280,000,home

• Dean & MargareBuell from Us Bk,1611 Celeste Ln,Loveland, $531,000,home

• Steve Tranzowfrom Christensen Er-ic C & Kimberly S,3845 Downieville St,Loveland, $187,000,home

• Joshua Roth fromPlatzek Timothy J,319 21st St Se, Love-land, $130,000,home

• Kevin Oriley fromSchmidt Rita Hazel,4036 Penrose Ave,Loveland, $222,000,home

• Gertrude & Ken-neth Mniszewskifrom Loveland Mid-town Development I,971 Andromeda Dr,Loveland, $195,900,home

Berthoud• Raphael & Susan

Zak from FederalHome Ln MortgageCorp, 500 W CountyRoad 10 E, Berthoud,$273,000, home

• Bruce Johnsonfrom Piesco JosephA, 2207 Brehm Rd,Berthoud, $358,500,home

Estes Park• James Bruce

from Estes ParkHousing Authority,1155 S Saint VrainAve Unit 38, EstesPark, $139,000, con-do

• Conleysteele Trfrom Ross Robert E,970 East Ln, EstesPark, $775,000,home

• Wesley & Eliza-beth Reichardt fromSydow Family Trust,2806 Aspen Ln, EstesPark, $157,500,home

• Kevin Dowellfrom BurdickMichael J, 511Chapin Ln, EstesPark, $260,000,home

• Floyd Bordersfrom Fehr ElizabethJ, 909 Riverside DrUnit 1/2, Estes Park,$205,000, condo

• Gregory & SusanTrahan from JohnsonBruce & Carmen,3460 Eaglecliff CircleDr, Estes Park,$522,000, home

• Barry Cahill fromLemke Brenda J, 755Elm Rd Unit 6, EstesPark, $129,000, con-do

• Jack & JanetBoatman from Over-look Development AtHistor, 406 OverlookCt, Estes Park,$650,000, home

• Jeremy & Laure-lyn Miner fromMooney James E,1123 Pine Tree Dr,Estes Park,$254,900, home

Johnstown• Daniel Chapman

from Albertson Mer-rill J & Rebecca M,1801 ChesapeakeCir, Johnstown,$162,900, home

• Kristen Wadasfrom Ryland GroupInc, 206 Saxony Rd,Johnstown,$246,000, home

• Steven & AmyGrandbois from Ry-land Group Inc, 189Bittern Dr, John-stown, $252,600,home

• David Stewartfrom Ryland GroupInc, 2773 WhiteWing Rd, Johnstown,$217,000, home

• Brandon Godfreyfrom OakwoodHomes Llc, 3942Cedarwood Ln, John-stown, $199,300,home

• Thomas Thumserfrom Fannie Mae,1201 N Park Ave,Johnstown,$106,900, home

• Tara & HectorOlivas from FannieMae, 511 PebbleBeach Ave, John-stown, $138,000,home

• Misty & DavidSiefken from EllisJohn & Linda, 543Jay Ave, Johnstown,$285,000, home

• Mitchell & Kim

Kottler from TovaasPatrick & Lori Jo Mil,142 Pleasant Ave,Johnstown,$216,000, home

• Nancy Settlefrom OakwoodHomes Llc, 3931 Bal-sawood Ln, John-stown, $157,800,home

M i l l i ke n• James & Sharon

Lightfoot from Ham-mers Ralph E, 441Puma Ln, Milliken,$310,000, home

• Hyrum & AshleyEgbert from Iwr Llc,275 S Tamera Ave,Milliken, $160,000,home

• Jessica Frickfrom Vogel Daniel A,296 W Forest St, Mil-liken, $164,900,home

Windsor• Homestead Inc

from Rali 2004qa6,1443 Grand Ave,Windsor, $218,000,home

• Steven & GingerHitz from SmithStephanie A, 1106Timberline Ct, Wind-sor, $157,000, home

• Wanda Woodenfrom Us Bk, 1363Windjammer Dr,Windsor, $160,000,home

• Mark & BobbieGlover from Water-house Timothy R &Julie A, 937 VentanaCt, Windsor,$450,000, home

• Jeffrey & LindaMiller from RobertsPatricia A, 6771Spanish Bay Dr,Windsor, $460,000,home

• Heath & MaureenHunter fromRatschkowsk yRichard A & Cathlee,305 Teal Ct, Windsor,$635,000, home

• Jon & Denise Huffrom AdvantageBank, 4608 PampanoDr, Windsor,$295,000, home

• David Zumwaltfrom Fv Reo I Llc,6640 Half Moon BayDr, Windsor,$303,000, home

• Daniel & MartieMaestas from CastenJudith A & ThomasR, 409 14th St,Windsor, $195,000,home

• Ronald & AngelaPfannenstiel fromMelody Homes Inc,1563 Edenbridge Dr,Windsor, $286,900,home

• Mark & LanaSitzmann fromBlaschko Ronald G &Judith M, 6563 RoyalCountry Down Dr,Windsor, $380,000,home

• Renee & DavidDebar from Con-structori Unici Llc,8341 Wynstone Ct,Windsor, $540,000,home

• Jerry & AmberWilson from Mc-daniel Arthur, 8743Longs Peak Cir,Windsor, $675,000,home

• Stanley & EthelSchumm fromMassey Ricky Don,378 Buffalo Dr, Wind-sor, $185,000, home

• Mark Orphanfrom Wells FargoBank, 6463 PumpkinRidge Dr, Windsor,$450,000, home

H& Real Estate TransactionsRE

Mortgage rate update

30-year fixed

15-year fixed

5/1 ARM

This week Last week Tre n d

4.23%

3.62%

3.17%

4.29%

3.68%

3.35%

For home and real estate advice,features and information, visit

www.homeandrealtyguide .com

Regional Snapshot for Loveland/Berthoud Residential

June 2010 July 2010 August 2010

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

Sold Listings 169 111 102

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

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

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

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

Home & Real Estate is producedevery Saturday by the Loveland

Daily Reporter-Herald.

EDITORIAL INFORMATION635-3656

DISPLAY ADVERTISING669-5050

CLASSIFIED ADVERTISING635-3650

Subscribe Today!Call the

at 669-5050

Get ready for fall leaf cleanupMETRO CR E AT I V E SE RV I C E S

The autumn foliage can bebeautiful to admire. How-ever, once the trees are

past their peak and begin todrop their leaves, autumn canmean lots of yard work forhomeowners.

A mature tree can have morethan 200,000 leaves, most ofwhich will fall to the groundwhen the cooler weather ar-rives. Multiply that amount bythe number of trees on theproperty, and one can see whata task removing leaves can be.

Depending on the size of aperson’s property, leaf removalcan be an all-day project. How-ever, when done right, one en-sures the lawn underneath theleaves continues to thrive andwill be in a better position toride out the winter.

For most, a human-poweredrake is the best tool for remov-ing leaves. While blowers mightseem quicker, they can simply

disperse the leaves instead ofcongregate them for easier dis-posal. What’s more, blowers canbe noisy and distribute fuelemissions into the air.

It is important to rakedeep enough to disturbthe thatch or dried upgrass and other debristhat can form in thelawn. This helps preventthe lawn from suffoca-tion or discoloration.

Leaves can be gatheredand packed into biode-gradeable bags andbrought to the local re-cycling center. They alsocan be broken down andused in compost. Leaveson their own do notmake ideal organic mate-rial, so it’s best if they’remixed into a compostpile to generate that“black gold” plants love.

If there are not manyleaves on the property, alawnmower can bepushed over the leaves tobreak them up into food

for the lawn. However, largequantities of leaves should beraked and removed.

ThinkStock PhotoLeaf removal becomes a chore forhomeowners. Learn the ways to makethe work go more smoothly.

505 E. 4th St Loveland 970.203.0284

www.familymtgco.comwww.familymtgco.comA+ Rating+ Rating+ Ratingg

Rates near all time lows

Call Today!

LMB100008492LMB100008492Check the license status of your mortgage loan originator at http://www.dora.state.co.us/real-estate/index.htmCheck the license status of your mortgage loan originator at http://www.dora.state.co.us/real-estate/index.htm

John John “Nose”“Nose”Mortgages!Mortgages!

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

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Property of the Week

Call 970-443-7789 or 970-669-1234, e-mail [email protected] or visit www.JillSellsHomesInColorado.com

p yy f

530 E. 13th St., Lovelandland

Bedrooms: ThreeBathrooms: Two

This nicely remodeled 109 year-old bungalow is located in Old Town Love-land. Hardwood fl oors grace the living room and dining room. Beautiful tile has been installed in kitchen and baths. Kitchen has new cabinets and stainless steel appliances. French doors in master lead you to the back yard. There is a large deck in back and a large composite-decked front porch. This is a huge lot with alley access in a very quiet neighborhood. Park your RV and boat. Nearly everything is new: drywall, trim, doors, windows, hardware, lighting, electrical, plumbing, A/C, furnace, hot-water heater, insulation, and appli-ances. Price includes new roof at closing.

Jill Leichliter

$154,500$154,500

Square Feet: 1,060 Price: $154,500MLS #641979

Open house Saturday from 1-2 p.m.Open house Saturday from 1-2 p.m.

AS S O C I AT E D DESIGNS

Arched windowsput a contem-porary spin on

the Charleston, acountry-style homecomplete with gablesand a wrap-aroundporch. The placementof parlor and diningroom on both sides ofthe entry is tradition-al, but the entryway,with its lofty two-storyceiling, is not. Thegreat room and diningroom have high ceil-ings too, in the 12-14foot range. Clerestorywindows in the entryand dining room pro-

vide extra illumina-tion.

Columns and archesmark the boundariesof the bayed diningroom. Double doorsclose to provide com-plete privacy in theparlor, which couldjust as easily be fur-nished as a home of-fice. Shelves and adesk are built in.

Informal livingspaces are at the rear.Two sets of French oratrium doors brightenthe great room allyear round and can beleft open in summer. Afireplace, flanked bybuilt-in shelving, pro-

vides warmth and col-or in winter.

The large countrykitchen has all of themost popular ameni-ties: large work island,walk-in pantry, built-inappliances, windowedeating nook, and acorner sink with aview. The three-seasonporch is perfect forprotected outdoordining. Utilities, base-ment stairs, and asmall powder roomare close to theCharleston’s center ofa c t i v i t y.

Double doors openinto a good-sizedvaulted owners’ suite.Features here includea huge walk-in closet,optional deck access,and a two-sectionbathroom with dualvanity and oversized

shower. Two upstairsbedrooms share abathroom. The front-facing room has awalk-in closet and anarched window thatcould be outfittedwith a window seat.

For a review plan, in-cluding scaled floorplans, elevations, sec-tion and artist’s con-ception, send $25 toAssociated Designs,1100 Jacobs Dr., Eu-gene, OR 97402.Please specify theCharleston 10-252and include a returnaddress when order-ing. A catalog featur-ing more than 550home plans is avail-able for $15. For moreinformation call (800)634-0123, or visit ourwebsite at www.Associ-atedDesigns.com.

Charleston is an open, country home

H& Featured Home PlanRE

METRO CR E AT I V E SE RV I C E S

While many in North America are aware of home price, some mightbe surprised to learn just how expensive the continent’s most ex-pensive homes are. According to Forbes.com, the most expensive

home in North America is in the ritzy resort town of Bridgehampton, NY,which is home to a 25,000 square-foot home valued at $75 million. Theproperty includes 60 acres of waterfront farmland as well as a U.S. GolfAssociation-rated golf course. To get to the second most expensive homein North America, one need not travel very far from No. 1. The $70 milliontriplex penthouse at the Pierre in NYC encompasses the hotel’s top threefloors and boasts double reception rooms and a paneled library. For thosewho can’t afford the whole thing, the property is also available in twoparts, at $11 million and $59 million. The third most expensive propertyis on the West Coast. Located in Malibu, Calif., No. 3 on the list is a $65million gated compound on a private bluff that covers 7 acres of land.Lake Tahoe is home to the fourth most expensive North American proper-ty. Valued at $60 million, Sierra Star in Nevada’s Incline Village is only 10years old but includes an 11,000 square-foot main home and two largeguesthouses, for a total of 18 bedrooms.

North America’s mostexpensive homes

2541

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battle, you certainly will find one when youstop making payments and the board slapsyou with late fees and other charges. Even-tually, the board may have the right toevict you from the home if you fail to payall fees owed, including late fees, other ex-penses and perhaps attorneys’ fees.

If you want to take up the voting issuescause yourself, you might succeed. Yourcase is somewhat complicated, and you’dhave to start by reading the associationdocuments. You’ll need to make sure thatyour interpretation of the different classesof voting rights is a correct one. While cer-tain property declarations set forth differ-ent classes of shares, those differences areusually in place to protect the developerwhile the developer is still building or sell-ing homes in an association. Eventually,

the classification of shares ends and allhomeowners typically have their own vot-ing rights.

Timeshare owners are often subject todistinctions in their rights, but those dis-tinctions usually don’t have to do with vot-ing rights. Instead, they are differences inthe benefits that a homeowner is accordeddepending on whether he buys the time-share home from the developer (as op-posed to buying a resale from a formerowner).

It’s possible that your association’s doc-uments are quite old and have some olderlanguage that did purport to create thesedifferences, but usually these variationshave been overridden by newer state laws.You might be right that Florida statutesnow make it illegal for your association tocreate the different classes of votingrights, as the board has done.

Differences that might be permittedcould include having one homeowner payinto an association for certain benefitswhile the other lot owners do not. For ex-

ample, if you buy into a golf community,and you buy a lot from the developer withrights to the golf course and pay a fee as-sociated with those rights, your votingrights might differ from another home-owner in the development who does nothave rights to the golf course but still hascertain rights to the development.

There are countless situations and issuesthat call for different voting rights withinan association. You might need more in-formation as to the exact nature of thevoting rights in your association docu-ments to determine how they are exer-cised and how they can be chal-lenged and changed.

An attorney has already told youhe believes that the method inwhich the board changed the votingrights was not legal. You maychoose to hire an attorney and sueto force the board to make thechanges in accordance with the as-sociation documents and state law,or you may try to take on the asso-

ciation yourself. If you take on the associa-tion yourself, you might find the processrather time-consuming and you may endup making enemies of some of the othermembers in the community that agreewith the board.

If you don’t go down the litigation route,your best hope for making a change is torecruit enough association members toyour side to vote the current board out ofoffice and vote in a new one that is sympa-thetic with your view.

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

GLINKFrom Page E1

44-318043

Beautiful, bright patio home in Windsong! Open fl oor plan with main fl oor laundry, double car garage, A/C, East facing deck! $199,900

541 Radiant Dr, Loveland

OPEN HOUSE SATURDAY 1PM-3PM

Todd Murray Century 21 Humpal, [email protected]

Fantastic open and spacious two story home, kitchen and living rm have vaulted ceilings, tile counter tops and main fl oor bath. Mstr 4 piece bath and double closets. Fenced yd w/ spklr system. MLS#624872

2155 Settlers Drive, Milliken - $146,000


Ursula Albers Century 21 Humpal, [email protected]

Jim ChanceThe Group, Inc. Real [email protected] www.thegroupinc.com/3402

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

3402 Red Maple Court

LARGE CORNER LOT ON CUL-DE-SAC!

DISCOVER this Stucco/Brick 3 bdrm, 2 bath updated ranch style home w/basement & oversized attached 2 car garage PLUS DETACHED 20x24 heated garage w/electric, also RV/Boat Parking. NO HOA, $225,900

2117 S. Arthur

OPEN HOUSE SATURDAY 12-3

Cory RobertsPremier Lifestyle Realty(970) 215-9913

22’x22’ garage, tankless water heater, upgraded insulation, hardwood fl oors in kitchen and dining room, vaulted ceilings, Fully landscaped with sprinkler system. MLS#634551 $214,900

205 Quandary Ave, Berthoud

OPEN HOUSE SAT 12PM-3PM

Chris RamponeCentury 21 Humpal, [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

Kurt Albers Century 21 Humpal, [email protected]

OPEN Saturday 11AM-2PM. 2+ Acre Lake front & horse lots starting $199,000. Surface rights, walk paths, parks, boatdocks, fi shing and peace garden.

Warberg Farm at Chapman Reservoir

OPEN - SATURDAY 11AM-2PM

Quick close possible. Spectacular mountain views. 2 bdrms, 2 baths, wood fl oors, granite counters, open fl oor plan, covered deck, large patio for entertaining, large 3 car garage. $434,900 #631397

4618 Tarragon Drive, Johnstown


Kristine RamponeCentury 21 Humpal, [email protected]

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

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

Your online and print resource for residential, commercial

and land for sale

homeandrealtyguide.com

Open Houses This Weekend - www.thegroupinc.com

SUNDAY 1:30 - 3:30

SUNDAY 1:00 - 3:00 SATURDAY/SUNDAY 12:00 - 5:00

SATURDAY 1:00 - 3:002534 Begonia Court, Loveland - 1/2 Duplex located on cul-de-sac. 11x16 screened in porch. New carpet & newly painted interior. Master suite w/ 5’ �led shower & walk-in closet. Tiled entry. 2nd bedroom & full bath w/ linen closet. Unfinished full basement. Fenced private backyard w/ sprinkler system. A/C. 2 car finished garage w/ opener.

1040 Wisteria Drive, Loveland - Wood floors adorn the main level. Upgraded cabinets & new kitchen appliances. Vaulted ceilings, main level family room w/gas fireplace. Professionally finished basement includes bedroom + office + fun rec room. New exterior paint, 3-car garage, huge corner lot, retractable awning over large pa�o.

817 Brookedge Drive, Fort Collins - Fantas�c ranch pa�o home! Brand new construc�on. This home offers 1,890 finished sq�, 2 bdrms, plus a den, 2 full baths, and a 2 1/2 car garage. A/C, fireplace, lots of great upgrades and standard features. All appliances, landscaping, and fencing are included.

493 Clubhouse Court, Loveland - All your main living is on the main level. Guest areas in both the upper and the lower levels. Perfect for empty nester/re�rement living. HOA takes care of all the snow removal and lawn care. Turn key living. Concrete �le roof, stucco exterior with trex on the front and back decks.

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

SATURDAY 1:00 - 3:00 SATURDAY 1:00 - 3:003275 Adelaide Place, Loveland - Open ranch townhome. Large mstr suite, walk-in closet, gas FP, �le kitchen & ea�ng area. Other �rs are a walk-in tub, pa�o area, front porch & shop area in bsmt w/lots of shelving. 2bd, 2bth & 2 car garage. Walking paths & swimming pool to cool off in the summer!

1049 Grant Avenue, Loveland - Wonderful Old Town Ranch with 3 Bdrms, 2 Bath and par�al basement. Oversized double garage on a beau�ful corner 1/3 acre lot with 1000 sq�. of deck between the house and garage. new carpet, paint and vinyl. Only a few blocks from the park and lake Loveland. See this charmer today.

Call Diana Luthi481-2692

$180,000MLS#638177

Call Rhonda Heth566-3516

$179,500MLS#629251

Call Don A. Riedel679-8265

Call Rich Gardiner227-0964

$195,000MLS#631680

$180,000MLS#641581

Call Cindy Kurtz962-6832

Call Dianne Breneman222-8549

Call Denise Kloster402-9100

$295,000MLS#639167

$296,926MLS#637059

$285,000MLS#641674

SUNDAY 2:00 - 4:001531 Arikaree Drive, Loveland - All brick, 3bdrm, 2 bath home has everything you need on 1 level. New furnace, vinyl windows, gas fireplace & AC make this house a home. Just blocks to McKee Med Center.

Call Kathy Boeding231-9073

$177,000MLS#641679

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

Call Georgena Arne�481-9801

Priced From $151,000MLS#624039

THESE UNITS ARE LOADED!

TUESDAY - SUNDAY 1:00 - 4:00 SUNDAY 11:00 - 1:00 SATURDAY 11:00 - 2:004635 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!

739 N Co Rd 23H, Loveland - Close to town acreage-No HOA-No covs- 3 car garage + a 48x36 shop w/RV storage & a workshop! Fabulous ranch style home w/an open floor plan w/4 beds + an office & a bright, finished walkout bsmnt w/a fam rm, rec rm&a wet bar. You are surrounded by mountain& city views.

2422 S CR 31, Loveland -Mtn. home on 35 acres. Montana �mber structural log & ICF construc�on. Radiant in-floor heat throughout. Expansive hallway leads to the rus�c country kitchen, bedrooms & ends at the huge master suite and retreat w/fireplace. Large master bath w/huge shower & large walk-in closet. Outdoor living areas.

Call Val Schlageter217-3464

Call Kathy Boeding231-9073

Call John Simmons481-1250

Priced From $329,000MLS#607818

$519,500MLS#635745

$725,000MLS#632992

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.��

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Northern Colorado

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

“When black cats prowl and

pumpkins gleam, May luck be yours

on Halloween”-Unknown

Happy Halloween!

44-320606


The Energy Star for New Homes RoadShow will be coming to the Ranchon Tuesday, November 9.

Sam Rashkin, EPA’s national director ofEnergy Star for New Homes and GordCooke, president of Building KnowledgeCanada, will discuss designing, buildingand selling energy efficient homes thatearn the Energy Star.

Attendants can learn more about thefeatures associated with an Energy StarQualified New Home and expand theirknowledge of the benefits for their busi-ness and clients.

Seven hours of continuing education areavailable for for real estate professionalswho attend.

Rashkin and Cooke are presentingthroughout Colorado including in Denveron Nov. 10, as well as Eagle, Grand Junc-tion and Durango later in the month. Formore information on upcoming EnergyStar events for Colorado go to www.colora-d o e n e rg y s t a r h o m e s . c o m .

What: Energy Star for New Homes RoadShow

When: 8 a.m. - 4 p.m., Tuesday, Nov. 9W h e re : The Ranch at Larimer County

Fairgrounds & Events ComplexCost: There is a registration fee of $25

which includes lunch.Contact: Amber Riley, Fort Collins Utili-

ties, 970-221-6720, [email protected]

IF YOU GO

Nearly eight out of 10 respon-dents believe buying a homeis a good financial decision,

despite ongoing challenges withthe economy and housing market.That’s according to the 2010 Na-tional Housing Pulse Survey, an an-nual report released today by theNational Association of Realtors®.

The survey, which measures howaffordable housing issues affectconsumers, also found job securityconcerns to be the highest in eightyears of sampling, with 70 percentof Americans saying that job layoffsand unemployment are a big prob-lem in their area; eight in 10 citethese issues as a barrier to home-ownership.

“The real issue facing the na-tion’s economy right now is thatmany Americans can’t find mean-ingful work to support their fami-lies,” said NAR President Vicki CoxGolder, owner of Vicki L. Cox & As-sociates in Tucson, Ariz. “While ajob recovery is what’s needed rightnow to get the economy and hous-ing market back on the right track,owning a home continues to bepart of the American Dream andone of the best long-term invest-ments in your future.”

Despite economic uncertainty, 68percent of those surveyed still be-lieve now is a good time to buy ahome; while that number is downfrom last year (75 percent), it’s upfrom 2008 (66 percent) and 2007(59 percent). Lower home pricesand record-low mortgage interestrates may be attracting buyers tothe housing market – more thanone-fourth of renters said they arethinking more about buying ahome than they were a year ago.Sixty-three percent of renter re-spondents said that owning a homeis a priority in their future, andnearly 40 percent said it was one of

their highest priorities.Lower home prices have im-

proved affordability. In fact, the per-centage of renters who are worriedthat the cost of housing is gettingso unaffordable that they will neverbe able to buy a home has de-creased steadily since 2007, from63 to 57 percent.

Despite improved affordability, 79percent of respondents still consid-er having enough money for downpayment and closing costs to beamong of the biggest obstacles tobuying a home. Another obstacle isa lack of confidence in their abilityto be approved for a loan, reportedby 73 percent of respondents.

The good news is that Americansare seeing more stability in the realestate market. Nearly seven out of10 believe that home values havestabilized in their area; the samenumber expects home sales to re-main about the same through theend of the year.

While more than half (51 per-cent) say foreclosures are a prob-lem in their area, the rate of fore-closures is also seen as stabilizing;51 percent say the rate is about thesame as last year. Thirty-six percentof respondents cite the recession,loss of jobs and the poor economyas the main reason for the ongoingforeclosure problem. This has alsoled to a slight increase in the num-ber of people who believe the feder-al government should take a moreactive role overseeing loans andmortgages (44 percent, up from 43percent last year).

While nearly seven out of 10 sayit’s harder to sell a home in theirarea today than it was a year ago,it’s less of a concern from last yearwhen the number was 10 percent-age points higher. This is most like-ly the result of lower home invento-ries.

Eight in 10 still believe buying ahome makes good financial sense

Energy Star road show comes to Loveland

PRICE LOCATION ADDRESS HRS OFFICE PHONE

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

$149,900* NW LOVELAND 43RD & WILSON AVE. THE COTTAGES AT ENCHANTMENT RIDGE 12-5 THE COTTAGE REALTY 970-532-5900

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

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

$177,000 NE LOVELAND 1531 ARIKAREE DR 2-4 THE GROUP INC 970-231-9073

$193,900 SE LOVELAND 187 COBALT AVE 2-4 RE/MAX ALLIANCE 970-213-3603

$195,000 SW LOVELAND 2534 BEGONIA CT 1:30-3:30 THE GROUP INC 970-679-8265

$227,900 NW LOVELAND 4496 HAYLER AVE 12-5 THE COTTAGE REALTY 970-532-5900

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

$295,000 NW LOVELAND 1040 WISTERIA DR 1-3 THE GROUP INC 970-962-6832

$296,926 FORT COLLINS 817 BROOKEDGE DR 12-5 THE GROUP INC 970-222-8549

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

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

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

12-4 GLEN MARKETING 970-663-4522

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

$519,500 SW LOVELAND 739 N CO RD 23H 11-1 THE GROUP INC 970-231-9073

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

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

44-3

2076

5

saturday sundayPRICE LOCATION ADDRESS HRS OFFICE PHONE

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

$149,900* NW LOVELAND 43RD & WILSON AVE. THE COTTAGES AT ENCHANTMENT RIDGE 12-5 THE COTTAGE REALTY 970-532-5900

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

$154,500 SE LOVELAND 530 E. 13TH ST 1-2 RE/MAX ALLIANCE 970-443-7789

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

$179,500 BERTHOUD 10818 CIMARRON ST #308 1-5 THE GROUP INC 970-566-3516

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

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

$193,900 SE LOVELAND 187 COBALT AVE 2-4 RE/MAX ALLIANCE 970-213-3603

$227,900 NW LOVELAND 4496 HAYLER AVE 12-5 THE COTTAGE REALTY 970-532-5900

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

CONSTRUCTION 970-669-8386

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

$285,000 SW LOVELAND 493 CLUBHOUSE CT 1-3 THE GROUP INC 970-402-9100

$296,926 FORT COLLINS 817 BROOKEDGE DR 12-5 THE GROUP INC 970-222-8549

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

$299,900 NW LOVELAND 3343 SEDGWICK CIRCLE 1-4 RE/MAX ALLIANCE 970-227-2274

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

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

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

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

$725,000 SW LOVELAND 2422 S CR 31 11-2 THE GROUP INC 970-481-1250

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


Help lawns recover from summer: fertilizeCA RO L O'MEARACSU EXTENSION

Heading into winter is when manypeople forget about yard care,putting the lawnmower away for

the season. We fill our time cleaning thehouse, scrubbing the nooks and crannieswe ignored in favor of being outside. Butafter a summer of heat, a fall of drought,and a winter that’s slow in arriving, yourlawn needs a little coddling to keep ithealthy until spring.

The ability of turf to survive winter de-pends on healthy root systems. The stress-es of summer often take their toll on roots,which need to regenerate in fall duringcooler weather. To help lawns recover, fer-tilize now.

Late season application of nitrogen isrecommended for Kentucky Bluegrass, Tall

Fescue, or Perennial Rye. Fertilize by apply-ing one pound of nitrogen per thousandsquare feet during the first week of Novem-ber, while the grass is still green and theground isn’t frozen (if you have sandy soils,don’t fertilize after September). With thewarmth lingering late this year, lawns willget the benefit of a slow cool down of thesoil, and gives fertilizer the chance to helproots regrow.

Nitrogen is the most important food tofeed the turf – extra potassium or phos-phorus is not as critical. At this time, ni-trogen in the fertilizer should be fromsources such as urea, ammonium sulfateor others that don’t need microbes in thesoil to release them. Soil microbes slowtheir activity during cold weather, whichmay delay release of nitrogen to the plants,making the late application unsuccessful.

For quick benefit to plants, make sure

the soil is moist, which helps the nitrogendissolve easily. If the ground is dry, irrigatea day before fertilizing. But if you’ve al-ready blown out your system for the winter,apply fertilizer just after one of our rainsqualls have passed through.

Then protect roots from drying out dur-ing winter by giving it a bit of water ifwe’re having a dry spell. Dry soils can leadto dieback of the root system, which willlimit the top growth of turf during thegrowing season.

Typically, lawns benefit from wateringonce every four weeks if we are not gettingmuch rain or snow fall. Keep tabs on howmuch rain or snow falls at your house – notacross town or in Denver where the TV sta-tions are located – and water your lawnswhen we don’t get one inch of water, cu-mulative, over four weeks.

The late fertilization means lawns will

green up early in the spring but not put ona lot of top growth, saving you the effort ofmowing before you’re ready to swing intosummer chores. Keep in mind that theMarch-April application may not be neededif you fertilized in November the previousyear. As long as the turf greens up andgrows, delay fertilizing until May or June.

For more gardening tips, see my blog atg a rd e n i n g a f t e r f i v e . w o rd p r e s s . c o m .

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

Diggin In:What to do withpumpkin guts

KAT H Y VAN MULLEKDA I LY PRESS

Plumbing experts have some words of advicewhen it comes to turning pumpkins into glow-ing Halloween jack-o-lanterns.

Don’t dump the pumpkin guts down your drainsor you risk clogged pipes.

“The seeds are hard and I’ve seen them jam a dis-posal,” says David Mason of Mason & Son Plumbingin Newport News, Va.

“The guts are also stringy and slimy and causeother stuff to attach and stop up the drain. Some-times, there’s so much it won’t even make it aroundthe turn of the trap.”

Hampton Roads Sanitation District in southeast-ern Virginia also recommends jack-o-lantern cre-ators think twice before putting all that potentiallyhardening pumpkin pulp where it doesn’t belong.

“It can also clog toilets and should not beflushed,” says Rhoda Bowen, recycling manager withthe sanitation district.

“Flushing could cause problems further down inthe sewage system.”

Instead, work pumpkin pulp into your garden orcompost pile.

“Birds also like to feed on it,” says Bowen.If you don’t have a compost pile, dispose of the

pumpkin innards in the trash can. Separate out theseeds and roast them or dry them for a treat, or savethem for spring planting. Pumpkin seeds are alsogreat for the bird feeder.

TIPS FOR CARVING

•Spread out old newspapers in your carving workarea, preferably outdoors.

• Create two piles — one for the gooey pumpkinguts and one for seeds. Using a sharp knife (adultsonly), cut a circle around the stem and remove thetop.

• Use a large strong spoon to scoop out thepumpkin pulp and seeds.

• Separate the stringy core from the seeds.• Draw your pattern on the front of the pumpkin

and carve your design. Fun and frightful 18th centu-ry-inspired patterns can be downloaded at www.his-tor y.org/kids/games/pumpkinpatterns.cfm.

• Place a candle inside; consider using one of thenew flameless wax candles, which are battery operat-ed and safer to use.

• Save the seeds for roasting; you don’t even needto rinse them because a little pumpkin ooze en-hances the flavor when baked. If you do rinse theseeds, do it at an outdoor spigot to avoid the drainproblem, according to Roto Rooter plumbing anddrain service.

See a photo gallery of how to properly carve apumpkin at www.HRHomeandGarden.com.

TOAST THE SEEDS

• Preheat oven to 400 degrees Fahrenheit.• Spread 1 tablespoon of olive oil or butter over

the bottom of a roasting pan. Sprinkle the pumpkinseeds in a single layer on the roasting pan.

• Add salt to taste.• Bake on the top rack for 20-30 minutes, until

the seeds begin to brown.• When brown enough to your liking, remove the

seeds and allow to cool.Tip: You can add spices like cinnamon, cayenne,

oregano or even hot sauce for more flavor options.

RECYCLE PUMPKINS

After Halloween, bury your jack-o-lantern in thegarden or compost pile where it will decompose intoorganic material.

Contact Kathy Van Mullekom: www.daily-p re s s . c o m / d i g g i n b l o g

2 BDRM in Tri-plex5005 So Iowa, So of Cam-pion. $550 + elect, $500 dep

Call (970)556-1558

3 BED IN North LovelandUpstairs unit in 4-plex 1.5baths Washer/Dryer hook-ups, off street parking. $675+ deposit. No pets. CallGeorgia - Kosmos R.E.

970-667-8347

Foothills AptsFALL MOVE-INSPECIALS

2 Bdrm Apartment Homes● Includes Washer & Dryer

● Park-Like Setting● Garages Available

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

2 BDRM, 1 BA utilitiesincluded! $665/mo. withnew carpet, big windows,

close to shopping!Call today (970)669-1375

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

Call 970-226-5600FTCRENT.com

2 BDRM, 1 bath, heat,water & sewer paid. Newcarpet. No smoke/pets.$600, (970)667-0365

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

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

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

970-377-1626

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

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

1 BDRM, 558 W. 10th,$495/mo. end unit, NICE!Call rmpm.com 669-0842

Apartments/Unfurnished 4030

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

970-663-0400

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

Call 970-391-0834

Apartments/Furnished 4010

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

AVAIL 12/1, new 3 bdrm,2.5 ba, extremely nice. 265No Madison. No pets/smoke. $850/mo + dep.Call Ron (970)690-9880

3 BDRM, 3 BA, A/C, frpl,2 car gar. Clean, exc cond,No smk/pets.$1300/mo,mowing incl in HOA duespa id by owner . 2609Anemonie Dr, SW Lvld.Open House, Sat 10/3011am-4pm. 303-523-1920.

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

2 BDRM- 410 22nd, $795.Unf bsmt, 1 car, newer crptCall rmpm.com 669-0842

2 BDRM- 1305.5 E. 16th$795/mo, fin bsmt, 1 carCall rmpm.com 669-0842

Duplexes 4060

Luxury 2 bdrm, 2 bath,A/C, gar, den, W/D avail,greenbelt view. $895/mo.

970-686-2728

2 BDRM- 4715 Hahns Peak,$895/mo. NICE!

Call rmpm.com 669-0842

Condos/Townhouses 4050

OFFICE & PRIV BATH$795/mo. 1600 Sq Ft.

rmpm.com. 970-669-0842

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

CommercialIndustrial 4040

Lrg 2 BDRM, no pets. $575/mo, wtr/sewer pd. 1717 NCheyenne Ave. #19 & #12.Faith Property 970-377-1626

LUXURIOUS UPSCALEAPARTMENTSSTUDIO, 1, 2, & 3

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

1-888-822-9346

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

✭ 2 BDRM Mobile home,$550, rent includes utils.Estate Builder 970-667-3400

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

970-430-0859

Apartments/Unfurnished 4030

3 BDRM, 1 bath, att gar,priv fence, newer applcs,paint, carpet, wood blinds,1487 E. 8th, No smoke/pets.

$850, (970)667-0365

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

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

2 BDRM Farm House,1 BA, ofc, fncd. $850/mo +utils/dep. Lvld, 720-641-9775

2 BDRM, 1 ba, farmhousew/ gar. & carport, countryliving, E. of Lvld. $700/mo+ util´s. No smoke, horseOK, pet neg. 970-376-2565.

125 E. 23rd St.Newly updated 2 bdrm,1 bath, ranch. 2 car gar.Non-smoker/small petnego. $875/mo. + $875 dep.Call 970-215-2314

EQUAL HOUSINGOPPORTUNITYAll real estate

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

preference, limitationor discrimination

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

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

The newspaper willnot knowingly acceptany advertising for

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

dwellings advertisedare available on anequal opportunity

basis.

Houses 4080

Warehouse 2304 sf, 12´ o-head dr. 634 Railroad. $700/mo 970-667-9983 or 290-3876

STORAGE 20 x 40with 14´ overhead door.

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

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

rmpm.com. 970-669-0842

Garages/StorageSpaces 4070

Brand new 2Br, 1 Bth, AllAppliances inc, WD hookup, Heated Garage, Fencedyard, NP, NS, $850+ dep.

Call 303-717-6452

BACK ON MARKET!1200 SF- 3 bdrm, 1.5 bath.$850 + $850 dep + utils.

Call (303)772-7390

Duplexes 4060

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

West Hwy 34. Pets nego.Se Habla Espanol

970-685-8573

Mobile Homes/Spaces 4090

✔✔✔✔To ensure you receive

the best response to youradvertisement, pleasecheck your ad the first

day of publication.We regret we cannot be

responsible for morethan one day´s incorrect

insertion. Billinginquiries can be

initiated within 30 daysof ad expiration.

OWN your own home forwhat you pay in Rent!

Lowest rates,$0 - $1000 Down

Free Prequalification.Western Plains Realty

Ken or Tammy970-663-5008

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

Berthoud Patio Home withupgrades, fully furnished, 2bdrm, 2 1/2 ba, 2 car gar,W/D, A/C, N/P, N/S,$1,100/mo + $1,100 deposit.Call 303-776-0333 or e-mailto [email protected].

BERTHOUD $1195/mo4 bdrm, 2 ba, 2 living rms,lndry, 2 car, lg lot. N/S,pets neg, lease. 303-775-0962

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

$950/mo + dep & HOA fee2 bdrm/2 ba patio home, 2car gar, no pets, 311 Vic-toria, Berthoud 970-532-2652

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

appr. (970)685-8573

3 BDRM, 903 Ptarmigan$1250. New carpet, N/P.Call rmpm.com 669-0842

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

3 BDRM, 2 BA, 2 car gar,hot tub, unfin bsmt, newer

home, SW Loveland.$1350+dep. 970-987-2632

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

Houses 4080

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

Lots &Tracts 5100

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

Commercial 5030

Hair Salon Booth Rentals& office spaces, utilitiesincluded. 970-613-1477

Fully Furnished Hair Salon& office spaces, utilities

included. 970-613-1477

Retail Space 4135

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

Fully furnished largerooms in Lvld. Laundry,A/C, cable, all util. incl.$325/mo. (970)227-1585

RoomsFor Rent 4130

ROOM FOR RENT$400/monthincludes utils.303-548-4332

RoommatesWanted 4120

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

Office Space 4100

NEW HOMES REDUCED!Don´t miss out on this

SAVINGS EVENT! Easyapproval, quick closings &affordable payments.

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

Mobile Homes/Spaces 4090

~ HORSE PROPERTY ~5 bdrm, 4 ba ~ 5000 sq fton 1.5 acre ~ Johnstown.

$275K SSWestern Plains Realty

Ken or Tammy(970)663-5008

Rural 5180

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

✭ MOBILE HOMES ✭BUYING/SELLING

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

970-222-1473✭ 690-2725 or 690-3283 ✭

Mobile/ManufacturedHomes/Spaces 5130

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

1899 E 11th St, Loveland

BANK OWNED, HUD & VAwww.ForeclosuresInLoveland.com

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

Alliance 970-622-1809

A picture is wortha thousand wordsTry a classified picture

ad! Call for details970-635-3650

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

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

At Home Real Estate Co

NEW 4 car ranch, 5 pcbath, 3 bdrm, 2 ba, A/C,frpl, stone ext. $268,450

Cottage Realty 970-532-5900

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

Loveland 5110

Cool climate gardeningMETRO CR E AT I V E SE RV I C E S

Ahome garden doesn’thave to go into hiber-nation just because the

cooler weather has arrived.Plant lovers can ensure theiryards are full of life even whenthe mercury drops.

There are a number ofplants that thrive in the cool-er weather. With proper shel-ter, some others can do quitewell, too.

• Ornamental cabbage

• Ornamental kale• Snapdragons• Dusty Miller• Asters• Calendulas• L arkspur• Chr ysanthemum• Dianthus• Coral Bells• Licorice Plant• Ivy• Pa n s i e s• Vi o l a s• Hens-and-Chicks• Strawflower• Pr i m ro s e

• Fo rg e t - M e - N o t• Shirley PoppiesThere are a number of off-

season produce plants thatcan actually be grown andharvested during the timeswhen a garden would normal-ly be dormant.

• Pe a s• Radishes• Kale• B ro c c o l i• Brussels Sprouts• Cabbage• Onions• Beets• Tu r n i p s• Swiss Chard

Pansies are onedecorative flowerthat can withstandchilly tempera-t u re s.

ThinkStock Photo

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Real Estate Guide