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Subject Property : 1024 E Swallow Rd # B234 Fort Collins CO 80525
Owner Information
Owner Name : Wagner Emilee J
Mailing Address : 1024 E Swallow Rd Apt B234, Fort Collins CO 80525-2293 C037
Owner Occupied Indicator : O
Location Information
Legal Description : Unit 234, Bldg B, Innsbruch Village Condos, Ftc (98008580)
County : Larimer, Co
Census Tract / Block : 10.03 / 3
Township-Range- Sect : 07-69-25
APN : R1575163
Alternate APN : 97251-93-012
Last Market Sale Information
Recording/Sale Date : 12/01/2021 / 11/30/2021
Sale Price : $230,000
Subdivision : Innsbruch Village Condos
Map Reference : 97251 / 7-69-25-NE
School District : Poudre R-1
Munic/Township : Fort Collins
Neighbor Code : 19724
1st Mtg Amount/Type : $223,100 / Cnv
1st Mtg Document # : 109240
Document # : 109239 1st Mtg Term : 30
Deed Type : Warranty Deed
Title Company : Fidelity National Title Co
Seller Name : Simon John R Jr & Michelle L
Prior Sale Information
Prior Rec/Sale Date : 08/27/2015 / 08/21/2015
Prior Sale Price : $125,000
Price Per SqFt : $272.51
Prior Doc Number : 56999
Prior Deed Type : Warranty Deed
Customer Name : De Anna Harwood
Customer Company Name : First American Title Prepared On : 02/27/2026
Property Characteristics
Gross Area : 844
Living Area : 844
Tot Adj Area : 844
Above Grade : 844
Total Rooms : 4
Bedrooms : 2
Bath(F/H) : 1
Fireplace : Y / 1
Property Information
Year Built / Eff : 1979 / 1989
# of Stories : 1
Interior Wall : Drywall
Patio Type : Balcony
Foundation : Concrete Style : Condominium
Roof Material : Composition Shingle
Heat Type : Electric Baseboard
Cooling Type : Electric Baseboard
Quality : Average
Condition : Average
Bath Fixtures : 5
Exterior wall : Frame Equipment : Cook Top, Ig5, Fan-ceiling, Hot Tub, Ah7
Land Use : Condominium Res/Comm Units : 1
County Use : Condominiumres Impr
Zoning :
Tax Information
Water Type : Public
Sewer Type : Public Service
Shepardson Elementary School Distance 0.52 Miles
1501 Springwood Drive Fort Collins CO 80525
Telephone : (970) 488-4525
Lowest Grade : Pre-K
Kindergarten : Yes
Enrollment : 424
O'dea Elementary School
312 Princeton Road Fort Collins CO 80525
Telephone : (970) 488-4450
Lowest Grade : K
Kindergarten : Yes
Enrollment : 432
School District : Poudre School District R-1
Highest Grade : 5th
School Enrollment :
Total Expenditure/Student : 332
Distance 0.92 Miles
School District : Poudre School District R-1
Highest Grade : 5th
School Enrollment :
Total Expenditure/Student : 332
Riffenburgh Elementary School Distance 1.24 Miles
1320 East Stuart Street Fort Collins CO 80525
Telephone : (970) 488-7935
Lowest Grade : K
Kindergarten : Yes
Enrollment : 451
School District : Poudre School District R-1
Highest Grade : 5th
School Enrollment :
Total Expenditure/Student : 332
Beattie Elementary School Distance 1.37 Miles
3000 Meadowlark Avenue Fort Collins CO 80526
Telephone : (970) 488-4225
Lowest Grade : Pre-K
Kindergarten : Yes
Enrollment : 309
School District : Poudre School District R-1
Highest Grade : 5th
School Enrollment :
Total Expenditure/Student : 332
Boltz Middle School Distance 0.33 Miles
720 Boltz Drive Fort Collins CO 80525
Telephone : (970) 472-3700
Lowest Grade : 6th
Kindergarten : No
Enrollment : 564
School District : Poudre School District R-1
Highest Grade : 8th
School Enrollment :
Total Expenditure/Student : 332
Lesher Middle School Distance 1.6 Miles
1400 Stover Street Fort Collins CO 80524
Telephone : (970) 472-3800
Lowest Grade : 6th
Kindergarten : No
Enrollment : 769
School District : Poudre School District R-1
Highest Grade : 8th
School Enrollment :
Total Expenditure/Student : 332
Fort Collins High School Distance 1.25 Miles
3400 Lambkin Way Fort Collins CO 80525
Telephone : (970) 488-8021
Lowest Grade : 9th
School District : Poudre School District R-1
Highest Grade : 12th
School Enrollment : Enrollment : 1902
Total Expenditure/Student : 332
2105 South College Avenue Fort Collins CO 80525
Telephone : (970) 372-4242
Lowest Grade : 6th
Placement : No
School District : Poudre School District R-1
Highest Grade : 12th
School Enrollment : Enrollment : 163
Total Expenditure/Student : 332
Advanced Placement : No Customer Name : De Anna Harwood
Colorado Early Colleges Fort Collins Distance
4424 Innovation Drive Fort Collins CO 80525
Telephone : (970) 377-0044
Lowest Grade : 6th
School District : State Charter School Institute
Highest Grade : 12th
School Enrollment : Enrollment : 967
Total Expenditure/Student : 35
Advanced Placement : No
Organizations / Associations
1025 E
Owner Name : Security Service Federal Credi
Sale Date : 04/29/1998
Total Value : $973,400
Recording Date : 05/01/1998
Sale Price : $695,000
Tax : $24,370.59
Land Use : Office Building Lot Acres : 0.70
Stories : 1 Living Area : 5,131
Yr Blt / Eff Yr Blt : 1981 / 1981
Subdivision :
Owner Name : Krishon Glen P
Sale Date : 07/13/2012
Total Value : $521,400
R1052217
Subdivision : Eastborough
Recording Date : 07/16/2012
Sale Price : $239,000
Bed / Bath : 3 / 3 Property Tax : $3,247.44
Land Use : Sfr Lot Acres : 0.24
Stories : 2
Yr Blt / Eff Yr Blt : 1979 / 1979
Owner Name : Dunigan-atlee Kate
Sale Date : 03/15/2024
Area : 1,652
R0715425
Subdivision : Southmoor Village
Recording Date : 03/15/2024
Total Value : $620,700 Sale Price : $690,000
Bed / Bath : 5 / 3 Property Tax : $3,865.85
Land Use : Sfr Lot Acres : 0.17
Stories : 2 Living Area : 2,292
Yr Blt / Eff Yr Blt : 1977 / 1982 APN : R0641251
Customer Name : De Anna Harwood Customer Company Name : First American Title Prepared On : 02/27/2026
Owner Name : Moore Kevin M Jr
Sale Date : 06/16/2003
Total Value : $513,800
Bed / Bath : 3 / 3
Land Use : Sfr
Stories : 2
Blt / Eff Yr Blt : 1979 / 1979
Subdivision : Eastborough
Recording Date : 06/20/2003
Price : $187,000
Tax : $3,200.07
Acres : 0.24
1,596
R0715417
Owner Name : Spear Subdivision : Eastborough
Sale Date : 06/03/1999
Total Value : $516,100
Bed / Bath : 4 / 2
Land Use : Sfr
Stories : 2
1979 / 1979
Owner Name : Mobarry Joan E
Sale Date : 03/03/1999
Recording Date : 06/04/1999
Price : $131,000
Tax : $3,214.47
Acres : 0.24
1,600
R0715433
Subdivision : Southmoor Village
Recording Date : 03/04/1999
Total Value : $543,600 Sale Price : $159,000
Bed / Bath : 3 / 2 Property Tax : $2,762.84
Land Use : Sfr Lot Acres : 0.24
Stories : 1 Living Area : 1,424 Yr Blt / Eff Yr Blt : 1977 / 1977
1044 PARKVIEW DR
Owner Name : Barends Jill M
Sale Date : 05/21/2020
R0641260
Subdivision : Southmoor Village
Recording Date : 05/22/2020
Total Value : $661,500 Sale Price : $438,000
Bed / Bath : 4 / 4 Property Tax : $4,119.98
Land Use : Sfr
Stories : 2
Lot Acres : 0.22
Living Area : 2,448
Yr Blt / Eff Yr Blt : 1977 / 1998 APN : R0641243
Customer Name : De Anna Harwood Customer Company Name : First American Title Prepared On : 02/27/2026
3031 EASTBOROUGH DR
Owner Name : Goldstein Aaron Subdivision : Eastborough
Sale Date : 04/11/2018
Recording Date : 04/12/2018
Total Value : $524,200 Sale Price : $359,000
Bed / Bath : 4 / 2 Property Tax : $3,264.90
Land Use : Sfr
Lot Acres : 0.27
Stories : 2 Living Area : 1,662
Yr Blt / Eff Yr Blt : 1979 / 1979
R0715409
Owner Name : Stage Rebecca Subdivision : Eastborough
Sale Date : 05/31/2013
Recording Date : 06/11/2013
Total Value : $565,100 Sale Price : $238,000
Bed / Bath : 3 / 3
Tax : $3,519.60
Land Use : Sfr Lot Acres : 0.24
Stories : 2
Area : 2,128 Yr Blt / Eff Yr Blt : 1979 / 1979
R0715441
Owner Name : Carpenter Roger Nate Roxane
Recording Date : 05/01/1997
Total Value : $541,000 Sale Price : $135,000
Bed / Bath : 3 / 2 Property Tax : $3,369.52
Land Use : Sfr
Stories : 2
Yr Blt / Eff Yr Blt : 1977 / 1977
Lot Acres : 0.33
Living Area : 1,810
APN : R0641278
Subdivision : Southmoor Village Customer Name : De Anna Harwood Customer Company Name : First American Title Prepared On : 02/27/2026
Census Tract / block: 10.03 / 3 Year: 2020
Larimer & Weld Counties
SCHOOL
NORTH CENTRAL REGION SCHOOL
AULT HIGHLAND RE-9
Ault www.weldre9.org
BRIGGSDALE RE-10
Briggsdale www.briggsdaleschool.org
BRUSH RE-2(J)
Brush www.brushschools.org
EATON RE-2
Eaton www.eaton.k12.co.us
FORT MORGAN RE-3
Fort Morgan www.morgan.k12.co.us
GREELEY 6
Greeley www.greeleyschools.org
ESTES PARK RE-3
Estes Park www.estesschools.org
PAWNEE RE-12
Grover www.pawneeschool.org
PLATTE VALLEY RE-7
Kersey www.plattevalley.k12.co.us
POUDRE R-1
Fort Collins www.psdschools.org
PRAIRIE RE-11
New Raymer www.prairieschool.org
Larimer & Weld Counties SCHOOL
ST. VRAIN RE-1J
Longmont www.svvsd.org
THOMPSON R-2J Loveland www.thompsonschools.org
WELD COUNTY RE-1
Gilcrest www.wcsdre1.org
WELD COUNTY RE-5J
(JOHNSTOWN-MILLIKEN)
Milliken www.weld5j.k12.co.us
WELD COUNTY RE-8
Fort Lupton www.weld8.org
WELD COUNTY SCHOOL
DISTRICT RE-3J
Keenesburg www.re3j.com
WELDON VALLEY RE-20(J)
Weldona www.weldonvalley.org
WIGGINS RE-50(J) Wiggins www.wiggins50.k12.co.us
WINDSOR RE-4
Windsor www.weldre4.org
6476: O'Dea Elementary School | 1550: Poudre R-1
Grade Levels: E - (1 Year)
Plan Type Official Rating based on SINGLE-YEAR SPF Report
70.6/100 Points Earned
The performance framework evaluates district and school performance on Academic Achievement, Academic Growth, and Postsecondary & Workforce Readiness indicators The percentage of points earned across all indicators determines the final accreditation rating for a district or the final plan type for a school, which is displayed above The cut points for final ratings established by the State Board of Education are shown at the right of this page Failure to meet finance, assessment, and safety assurances may result in a lowered rating Refer to the scoring guide near the end of this report for more details on how ratings are determined
InsufficientStateData: No reportable achievement and growth data
(-) No Reportable Data
*State accountability policy requires 95% student participation in state assessments Students excused from testing by a parent or guardian do not impact the Accountability Participation Rate that determines whether the overall rating is reduced by one level Districts or schools with less than 95% total participation in ELA and Math receive a "Does Not Meet 95% Total Participation" descriptor that is informational and does not impact framework calculations The descriptor does not impact framework calculations First-year in the U S Multilingual Learners eligible to take the ELP assessment count as participants for ELA
This page displays the performance indicator data for the elementary school level For the 1-year report, calculations are based on 2025 state assessment results Multi-year reports include 2023 through 2025 results
Academic Achievement: mean scale scores represent outcomes for designated subjects and student groups; participation rates included on this page count parent excusals as non-participants
Academic Growth: median student growth percentiles and percentages of students on track to meet targets represent outcomes for designated subjects and student groups
For additional information regarding Academic Achievement and Academic Growth points, cut-points, and ratings, refer to the scoring guide at the end of this document.
0898: Boltz Middle School | 1550: Poudre R-1
Grade Levels: M - (1 Year)
Plan Type Official Rating based on SINGLE-YEAR SPF Report
49.3/100 Points Earned
The performance framework evaluates district and school performance on Academic Achievement, Academic Growth, and Postsecondary & Workforce Readiness indicators The percentage of points earned across all indicators determines the final accreditation rating for a district or the final plan type for a school, which is displayed above The cut points for final ratings established by the State Board of Education are shown at the right of this page Failure to meet finance, assessment, and safety assurances may result in a lowered rating Refer to the scoring guide near the end of this report for more details on how ratings are determined
InsufficientStateData: No reportable achievement and growth data
(-) No Reportable Data
*State accountability policy requires 95% student participation in state assessments Students excused from testing by a parent or guardian do not impact the Accountability Participation Rate that determines whether the overall rating is reduced by one level Districts or schools with less than 95% total participation in ELA and Math receive a "Does Not Meet 95% Total Participation" descriptor that is informational and does not impact framework calculations The descriptor does not impact framework calculations First-year in the U S Multilingual Learners eligible to take the ELP assessment count as participants for ELA
0898: Boltz Middle School | 1550: Poudre R-1
This page displays the performance indicator data for the middle school level For the 1-year report, calculations are based on 2025 state assessment results Multi-year reports include 2023 through 2025 results
Academic Achievement: mean scale scores represent outcomes for designated subjects and student groups; participation rates included on this page count parent excusals as non-participants
Academic Growth: median student growth percentiles and percentages of students on track to meet targets represent outcomes for designated subjects and student groups
For additional information regarding Academic Achievement and Academic Growth points, cut-points, and ratings, refer to the scoring guide at the end of this document.
Grade Levels: H - (1 Year)
72.7/100
Points Earned
The performance framework evaluates district and school performance on Academic Achievement, Academic Growth, and Postsecondary & Workforce Readiness indicators The percentage of points earned across all indicators determines the final accreditation rating for a district or the final plan type for a school, which is displayed above The cut points for final ratings established by the State Board of Education are shown at the right of this page Failure to meet finance, assessment, and safety assurances may result in a lowered rating Refer to the scoring guide near the end of this report for more details on how ratings are determined
InsufficientStateData: No reportable achievement and growth data (-) No Reportable Data
*State accountability policy requires 95% student participation in state assessments Students excused from testing by a parent or guardian do not impact the Accountability Participation Rate that determines whether the overall rating is reduced by one
participation in ELA and Math receive a "Does Not Meet 95% Total Participation" descriptor that is informational and does not impact framework calculations The descriptor does not impact framework calculations First-year in the U S Multilingual Learners eligible to take the ELP assessment count as
This page displays the performance indicator data for the high school level For the 1-year report, calculations are based on 2025 state assessment results Multi-year reports include 2023 through 2025 results PSAT/SAT cut scores for the multi-year reports were renormed based on 2025 results
Academic Achievement: mean scale scores represent outcomes for designated subjects and student groups; participation rates included on this page count parent excusals as non-participants
Academic Growth: median student growth percentiles and percentages of students on track to meet targets represent outcomes for designated subjects and student groups
For additional information regarding Academic Achievement and Academic Growth points, cut-points, and ratings, refer to the scoring guide at the end of this document.
Learners describes students that are Non-English
Not Applicable; (-) No Reportable Data
3046: Fort Collins High School | 1550: Poudre R-1
CO SAT: represent outcomes for designated subjects and student groups; participation rates count parent excusals as non-participants For the 1-year report, calculations are based on 2025 state assessment results Multi-year reports include 2023-2025 results Cut-scores for the multi-year reports were re-normed based on 2025 results
Dropout Rates: represent percentages of students enrolled in grades 7-12 for districts and 9-12 for schools at any time during the year who left and did not subsequently enroll in another Colorado school 1-Year calculations are based on the 2024 End of Year (EOY) data submission Multi-year reports include 2022 through 2024 records
Matriculation Rates: represent percentages of high school graduates with a qualifying credential, enrollment, or enlistment status in a Career & Technical Education (CTE) program, a 2- or 4-year institute of higher education, a branch of the military, or a postsecondary program. Beginning in 2024, high school graduates who were enrolled in ASCENT, P-TECH, or TREP programs (i.e., Postsecondary Program) during their 5th year of high school count as successes. 1-Year calculations are based on the 2024 graduation cohort. Multi-year reports include 2022 through 2024 records.
Graduation Rates: represent percentages of students graduating high school within designated timeframes Ratings are based on the best of the 4-, 5-, 6-, and 7-year graduation rates AYGs designate Anticipated Years of Graduation, which are defined as four years after the year that students initially enroll in 9th grade Calculations for 1-Year and Multi-Year reports are based on data for students with AYGs between 2021 and 2024 For additional information about ratings, refer to the scoring guide on the last page of this report.
ADAMS STATE UNIVERSITY
719.587.7011
208 Edgemont Blvd. • Alamosa, 81101 www.adams.edu
COLORADO CHRISTIAN UNIVERSITY
303.963.3000 8787 W Alameda Ave. • Lakewood, 80226 www.ccu.edu
COLORADO COLLEGE
(719) 389-6344
14 E Cache La Poudre St. Colorado Springs, 80903 coloradocollege.edu/visit
COLORADO MESA
UNIVERSITY
970.248.1020
1100 North Ave. • Grand Junction, 81501 coloradomesa.edu
COLORADO SCHOOL OF MINES
303.273.3000
1500 Illinois St. • Golden, 80401 www.mines.edu
COLORADO STATE UNIVERSITY
(970) 491-5288
2545 Research Blvd. Fort Collins, CO 80526 www.colostate.edu
COLORADO STATE UNIVERSITY - PUEBLO
719.549.2100
2200 Bonforte Blvd. • Pueblo, 81001 www.csupueblo.edu
COLORADO STATE UNIVERSITY GLOBAL
800.462.7845
585 Salida Way • Aurora, 80011 www.csuglobal.edu
COLORADO TECHNICAL UNIVERSITY
855.230.0555
1575 Garden of the Gods Rd. #100 Colorado Springs, 80907 www.coloradotech.edu
COLUMBIA COLLEGEDENVER
303.771.0176
15500 E. Centretech Pkwy. Aurora, 80011 www.ccis.edu
DEVRY UNIVERSITY
303.280.7400
1870 W 122nd Ave. Westminster, 80234 www.devry.edu
FORT LEWIS COLLEGE
877.352.2656
1000 Rim Dr. • Durango, 81301 www.fortlewis.edu
METROPOLITAN STATE UNIVERSITY OF DENVER
303.556.5740
890 Auraria Pkwy. • Denver, 80204 www.msudenver.edu
NAZARENE BIBLE COLLEGE
719.884.5000
2020 N Academy Blvd Suite 316 Colorado Springs, 80909 www.nbc.edu
NAROPA UNIVERSITY
303.444.0202
2130 Arapahoe Ave. • Boulder, 80302 www.naropa.edu
REGIS UNIVERSITY
800.388.2366
3333 Regis Blvd. • Denver, 80221 www.regis.edu
ROCKY MOUNTAIN COLLEGE OF ART & DESIGN
303.753.6046
1600 Pierce St. • Lakewood, 80214 www.rmcad.edu
UNITED STATES AIR FORCE ACADEMY
(719) 333-2025
2304 Cadet Dr, Suite 3100 Air Force Academy, CO 80840 www.usafa.edu
UNIVERSITY OF COLORADO BOULDER
303.492.1411
1125 18th St, Ste 221 • Boulder, 80309 www.colorado.edu
UNIVERSITY OF COLORADO - COLORADO SPRINGS
719.255.8227
1420 Austin Bluffs Pkwy Colorado Springs, 80918 www.uccs.edu
UNIVERSITY OF COLORADO - DENVER
303.315.5969
1201 Larimer St. • Denver, 80204 www.ucdenver.edu
UNIVERSITY OF DENVER
303.871.2000
2199 S University Blvd. • Denver, 80210 www.du.edu
UNIVERSITY OF NORTHERN COLORADO
970.351.1890
501 W 20th St. • Greeley, 80639 www.unco.edu
INSTITUTIONS Cont.
WESTERN COLORADO UNIVERSITY
970.943.2119
1 Western Way • Gunnison, 81231 www.western.edu
WILLIAM HOWARD TAFT UNIVERSITY
303.867.1155
1325 S Colorado Blvd Suite B-404, Denver, CO 80222 www.taft.edu
AIMS COMMUNITY COLLEGE
970.330.8008
5401 W. 20th St. • Greeley, 80634
260 College Ave. • Fort Lupton, 80621 104 E. Fourth Street • Loveland, 80537 1120 Southgate Dr. • Windsor, 80550 www.aims.edu
ARAPAHOE COMMUNITY COLLEGE
303.797.4222
5900 S. SantaFe Dr. • Littleton, 80120
4500 Limelight Ave. • Castle Rock, 80109 10035 Peoria St. • Parker, 80124 www.arapahoe.edu
COLORADO NORTHWESTERN COMMUNITY COLLEGE
(800) 562-1105
500 Kennedy Dr. • Rangely, 81648
2801 W 9th St • Craig, 81625 10035 Peoria St. • Parker, 80124 www.cncc.edu
COLORADO MOUNTAIN COLLEGE
970.945.8691
901 South Hwy 24 • Leadville, 80461
3000 County Road 114 • Glenwood Springs, 81601 1275 Crawford Avenue • Steamboat Springs, 80487
0255 Sage Way • Aspen, 81611
107 Denison Placer Rd. • Breckenridge, CO 80424
333 Fiedler Avenue • Dillon, CO 80435
690 Colorado Ave. • Carbondale, 81623
1402 Blake Ave. • Glenwood Springs, 81601
3695 Airport Rd. • Rifle, 81650
349 E 9th St. • Salida, CO 81201
150 Miller Ranch Rd. • Edwards, 81632 www.coloradomtn.edu
COMMUNITY COLLEGE OF AURORA
303.360.4700
710 Alton Way • Denver, 80230 www.ccaurora.edu
COMMUNITY COLLEGE OF DENVER (LOWRY CAMPUS)
(303) 365-8300
CCD Center for Health Sciences at, 1070 Alton Way, Lowry, CO 80230 www.ccd.edu
FRONT RANGE
COMMUNITY COLLEGE
303.404.5000
2190 Miller Dr. • Longmont, 80501 4616 S. Shields St. • Ft. Collins, 80526 3645 W. 112th Ave. • Westminster, 80031 www.frontrange.edu
LAMAR COMMUNITY COLLEGE
719.336.2248
2401 S Main St. • Lamar, CO 81052 www.lamarcc.edu
MORGAN COMMUNITY COLLEGE
970.542.3100
920 Barlow Rd. • Fort Morgan, 80701 www.morgancc.edu
NORTHEASTERN JUNIOR COLLEGE
970.521.6600
100 College Ave. • Sterling, 80751 www.njc.edu
OTERO COLLEGE
(719) 384-6800
1802 Colorado Ave. • La Junta, 81050 www.otero.edu
PIKES PEAK STATE COLLEGE
719.502.2000
5675 S Academy Blvd. Colorado Springs, 80906 www.pikespeak.edu
PUEBLO COMMUNITY COLLEGE
(719) 549-3200
900 W Orman Ave. • Pueblo, 81004
51320 W Hwy 50 • Canon City, 81212 33057 Hwy 160 • Mancos, 81328 www.pueblocc.edu
RED ROCKS COMMUNITY COLLEGE
303.914.6600
13300 W 6th Ave. • Lakewood, 80228 www.rrcc.edu
TRINIDAD STATE COLLEGE
719.846.5011
600 Prospect St. • Trinidad, 81082 1011 Main St. • Alamosa, 81101 www.trinidadstate.edu
COLORADO MESA UNIVERSITY TECH
970.255.2600
2508 Blichmann Ave. Grand Junction, 81505 www.coloradomesa.edu
This week the median list price for Fort Collins, CO 80525 is $332,500 with the market action index hovering around 33. This is an increase over last month's market action index of 30. Inventory has held steady at or around 42.
Slight Seller's Advantage Market Narrative
While the Market Action Index shows some strengthening in the last few weeks, prices have not seemed to move from their plateau. Should the upward trend in sales relative to inventory continue, expect prices to resume an upward climb in tandem with the MAI.
Median List Price
Each segment below represents approximately 25% of the market ordered by price.
Slight Seller's Advantage
NOCO RAIN - SOCCER
For their schedule, tickets and more info: nocorainfc.com
NOCO HAILSTORM - SOCCER
For their schedule, tickets and more info: hailstormfc.com
NOCO OWLZ - BASEBALL
For their schedule, tickets and more info: northerncoloradoowlz.com
GREELEY GRAYS – BASEBALL
For their info: greeleygrays.com
NORTHERN COLORADO BEARS
For their schedule, tickets and more info: uncbears.com
COLORADO EAGLES
For their schedule, tickets and more info: coloradoeagles.com
CSU RAMS
For their schedule, tickets and more info: csurams.com
COLORADO GRIT – HOCKEY
For their schedule, tickets and more info: coloradogrithockey.com
PELICAN LAKES
1620 Pelican Lakes Point Windsor, CO 80550 (970) 674-0930 pelicanlakeswindsor.com
HIGHLAND MEADOWS GOLF COURSE
6300 Highland Meadows Pkwy Windsor, CO 80550 (970) 204-4653 highlandmeadowsgolfcourse.com
MARIANA BUTTE GOLF COURSE
701 Clubhouse Dr Loveland, CO 80537 (970) 667-8308 golfloveland.com
MOUNTAIN VISTA GREENS GOLF COURSE
2808 NE Frontage Rd Fort Collins, CO 80524 (970) 482-4847 mountainvistagreens.com
COLLINDALE GOLF COURSE
1441 E Horsetooth Rd Fort Collins, CO 80525 (970) 221-6651 fcgov.com
PTARMIGAN COUNTRY CLUB
5416 Vardon Way Fort Collins, CO 80528 (970) 226-8555 ptarmigancc.com
BOOMERANG LINKS
Book a tee time or your next event: golfingreeley.com
HARMONY GOLF CLUB
4176 Club Dr Timnath, CO 80547 (970) 482-4653 golfingreeley.com
CITY PARK NINE GOLF COURSE
411 S Bryan Ave Fort Collins, CO 80521 (970) 221-6650 fcgov.com
OLDE COURSE
2115 W 29th St
Loveland, CO 80538 (970) 667-5256 golfloveland.com
SOUTHRIDGE GOLF COURSE
5750 S Lemay Ave Fort Collins, CO 80525 (970) 416-2828 fcgov.com/golf
CATTAIL CREEK GOLF COURSE
2116 W 29th St Loveland, CO 80538 (970) 663-5310 golfloveland.com
HIGHLAND HILLS GOLF COURSE
2200 Clubhouse Dr Greeley, CO 80634 (970) 353-4653 golfingreeley.com
TPC COLORADO
2375 Tpc Pkwy Berthoud, CO 80513 (303) 522-5711 tpc.com/colorado
MAD RUSSIAN GOLF CLUB
2100 Country Club Pkwy
Milliken, CO 80543 (970) 587-5157 trpr.org
ESTES PARK GOLF COURSE
1480 Golf Course Rd
Estes Park, CO 80517 (970) 586-8146
evrpd.colorado.gov/estes-park-18hole-golf-course
RAINDANCE
RainDance National Resort & Golf
1775 RainDance National Dr Windsor, CO 80550 (970) 833-1720
raindancenational.com
Horsetooth Reservoir is open year-round and includes RV spots, campsites and cabins, all managed by Larimer County Natural Areas. You can rent a boat, kayak, SUP board and more at the local marina or What’s SUP.
For more info: visitftcollins.com
The Cache la Poudre River Canyon hosts a myriad of recreational opportunities for outdoor enthusiasts. From whitewater rafting (class I-V rapids), hiking, biking, camping, kayaking, and fishing, to winter sports like snowshoeing, cross country skiing and snowmobiling, the canyon is the perfect place to get away, all year round.
For more info: visitftcollins.com
ROCKY MOUNTAIN
NATIONAL PARK
The park is open year-round and lower elevation roads are open during the winter. Reservations are required to enter Rocky Mountain National Park May 28-October 11, 2021. For more info and to make reservations: www.nps.gov
A WANDERLUST ADVENTURE
4120 W County Road 54G, Laporte, CO 80535 970-482-1995 awanderlustadventure.com
ROCKY MOUNTAIN ADVENTURES
1117 N. US Highway 287, Fort Collins, CO 80524 970-493-4005 shoprma.com
A1 WILDWATER
2801 N Shields Fort Collins, CO 80524 970-224-3379 a1wildwater.com
MOUNTAIN WHITEWATER
1329 N US Highway 287, Fort Collins, CO 80524 970-419-0917 raftmw.com
WHAT’S SUP
Southbay and Satanka Cove at Horsetooth Reservoir, Fort Collins, CO 80526 970-797-4996
nocosup.com
JAX OUTDOOR GEAR
1200 N College Ave, Fort Collins, CO 80524 970-221-0544 jaxgoods.com
INLET BAY MARINA
4314 South Shoreline Drive, Fort Collins, CO 80526 (970)223-0140 inletbaymarina.com
BEAVER MEADOWS STABLES (HORSEBACK RIDES)
100 Beaver Meadows, Red Feather Lakes, CO 80545 970-232-8326 beavermeadowsstables.com
NORTHERN COLORADO FISHING OUTFITTERS
Multiple Fishing Locations, Fort Collins, CO 80525 (970) 219-0952 nocofishing.com
GARDEN SWEET 719 W Willox Lane, Fort Collins, CO 80524
GARDENSWEET.COM
JAX OUTDOOR GEAR
1200 N College Ave, Fort Collins, CO 80524 970-221-0544 jaxgoods.com
ROCKY MOUNTAIN ADVENTURES
1117 N. US Highway 287, Fort Collins, CO 80524 970-493-4005 shoprma.com
VATO’S TACOS & TEQUILA 200 N College Ave Fort Collins, CO 80524 (970) 631-8533 vatostacosandtequila.com
AUSTIN’S AMERICAN GRILL (HARMONY)
2815 East Harmony Rd, Fort Collins, CO 80525 (970) 267-6532 austinsamericangrill.com
AUSTIN’S AMERICAN GRILL (WEST MOUNTAIN)
100 West Mountain Ave, Fort Collins, CO 80524 (970) 224-9691 austinsamericangrill.com
BEAU JO’S
205 N College Ave, Fort Collins, CO 80524 970-498-8898 beaujos.com
BIG AL’S BURGERS & DOGS
140 West Mountain Ave, Fort Collins, CO 80524 970-232-9815 bigalsburgersanddogs.com
BISTRO NAUTILE
150 W. Oak, Fort Collins, CO 80524 970-224-1188 bistronautile.com
BOWERBIRD COFFEE
378 Walnut Street, Fort Collins, CO 80524 (970) 493-0024 emporiumftcollins.com
CAFE VINO
378 Walnut Street, Fort Collins, CO 80524 (970) 493-0024 cafevino.com
COMET CHICKEN
126 W Mountain Ave, Fort Collins, CO 80524 (970) 689-3464 cometchicken.com
COOPERSMITH’S PUB & BREWING
5 Old Town Square, Fort Collins, CO 80524 970-498-0483 coopersmithspub.com
COOPER MUSE DISTILLERY
244 N. College Ave, Fort Collins, CO 80524 (970) 999-6016 coppermuse.com
CUPS COMMUNITY COFFEE
1033 S. Taft Hill Road, Fort Collins, CO 80521 970-482-2377
EL DIABLO MEXICAN RESTAURANT
4619 S Mason St, Fort Collins, CO 80525 970-377-9999 restauranteldiablo.com
FORT COLLINS MUSEUM OF DISCOVERY 408 Mason Court, Fort Collins, CO 80524 970-221-6738 fcmod.org
GREGORY ALLICAR MUSEUM OF ART 1400 Remington Street, Fort Collins, CO 80524 970-491-1989 artmuseum.colostate.edu
LOOKING GLASS ESCAPE LOUNGE 1400 N College Ave, Fort Collins, CO 80524 (303) 717-6293
time-emporium.com
MUSEUM OF ART | FORT COLLINS
201 S. College Avenue, Fort Collins, CO 80524 970-482-2787 moafc.org
OLD TOWN PUTT 244 N College Avenue, Fort Collins, CO 80524 (970) 682-2922 oldtownputt.com
THE COMEDY FORT 167 N College Ave, Fort Collins, Fort Collins, CO 80524 (970) 232-9288 comedyfortcollins.com
Count on us for service.
First American Title’s professionals are proud to provide the title insurance that assures people’s home ownership. Backed by First American Title Insurance Company, your transaction will be expertly completed in accordance with state-specific underwriting standards and state and federal regulatory requirements.
Count on us for stability.
First American Title is the principal subsidiary of First American Financial Corporation, and one of the largest suppliers of title insurance services in the nation. With roots dating back to 1889, we’ve served families for generations.
Count on us for convenience.
First American Title has a direct office or agent near you. We also have an extensive network of offices and agents throughout the United States, and internationally.
Count on us to meet your needs.
First American Financial Corporation offers more than title insurance and escrow services through its subsidiaries. Our subsidiaries also provide property data, title plant records and images, home warranties, property and casualty insurance, and banking, trust and advisory services.
Scan the QR code to learn more about your local First American Title.
Congratulations on your decision to buy a home! It’s a challenging project, and there are many ways a professional can help. Here are some of the many ways you may benefit from working with a REALTOR®:
Many more home choices.
Your REALTOR® has thousands of homes to choose from through the Multiple Listing Service (MLS), so you’re more likely to find the home that’s just right for you and find it quicker. In fact, a majority of the homes for sale are listed by REALTORS® and aren’t available to you unless you are working with a REALTOR®
A number of transactions “fall out.”
Unfortunately, it’s true. Some transactions fall apart before closing. An experienced REALTOR® may be able to resolve problems and see your transaction through to a successful closing.
Knowledge of new home subdivisions.
New home subdivisions will welcome you and your REALTOR®. If you’re interested in buying a new home, take your agent with you on your first visit to each subdivision. Your professional REALTOR® is an important source of information who can supply background on the builder, nearby subdivisions, and the local community.
It’s a major investment.
You use a professional for your legal, financial and health needs. Why gamble on what may be your biggest investment without a professional at your side?
Help with FSBO’s.
If you consider a “For Sale By Owner,” take your REALTOR® along to help negotiate the contract.
There is less liability.
You may have more protection from legal and financial liability, especially as real estate transactions become more complicated.
The paperwork.
Your experienced REALTOR® will negotiate and prepare the purchase contract for you and assist you throughout the escrow process.
A REALTOR® is a licensed real estate agent and a member of the National Association of REALTORS®, a real estate trade association. REALTORS® also belong to their state and local Association of REALTORS®
A real estate agent is licensed by the state to represent parties in the transfer of property. Every REALTOR® is a real estate agent, but not every real estate agent has the professional designation of a REALTORS®
A key role of the listing agent or broker is to form a legal relationship with the homeowner to sell the property and place the property in the Multiple Listing Service.
A key role of the buyer’s agent or broker is to work with the buyer to locate a suitable property and negotiate a successful home purchase.
The MLS is a database of properties listed for sale by REALTORS® who are members of the local Association of REALTORS®. Information on an MLS property is available to thousands of REALTORS®.
These are the people who carry out the title search and examination, work with you to eliminate the title exceptions you are not willing to take subject to, and provide the policy of title insurance regarding title to the real property.
An escrow officer leads the facilitation of your escrow, including escrow instructions preparation, document preparation, funds disbursement, and more.
Open escrow and, if instructed to do so, deposit your good faith funds in a separate escrow account.
Order a title search to determine ownership and status of the subject real property.
Issue a preliminary report and begin the process of eliminating the title exceptions you and your lender are not willing to take title subject to.
Request payoff information for the seller’s loans, other liens, homeowner’s association fees, etc.
Coordinate with the buyer’s lender on the preparation of the Closing Disclosure (CD).
Prorate fees, such as real property taxes, per the contract, and prepare the settlement statement.
Set separate appointments allowing the seller and you to sign documents and deposit funds.
Review documents ensuring all conditions and legal requirements are fulfilled; request funds from lender.
When all funds are deposited, record documents with the County Recorder’s Office to transfer the subject real property to you.
After the recordation is confirmed, close escrow and disburse\funds, including seller’s proceeds, loan payoffs, etc.
Prepare and send final documents to all parties involved.
An estimate of value of property resulting from analysis of facts about the property; an opinion of value.
The borrower’s costs of the loan term expressed as a rate. This is not their interest rate.
The recipient of benefits, often from a deed of trust; usually the lender.
Closing Disclosure form designed to provide disclosures that will be helpful to borrowers in understanding all of the costs of the transaction. This form will be given to the consumer three (3) business days before closing.
Generally the date the buyer becomes the legal owner and title insurance becomes effective.
Sales that have similar characteristics as the subject real property, used for analysis in the appraisal. Commonly called “comps.”
Occurs when the borrower becomes contractually obligated to the creditor on the loan, not, for example, when the borrower becomes contractually obligated to a seller on a real estate transaction. The point in time when a borrower becomes contractually obligated to the creditor on the loan depends on applicable State law. Consummation is not the same as close of escrow or settlement.
An instrument used in many states in place of a mortgage.
Limitations in the deed to a parcel of real property that dictate certain uses that may or may not be made of the real property.
The date the amounts are to be disbursed to a buyer and seller in a purchase transaction or the date funds are to be paid to the borrower or a third party in a transaction that is not a purchase transaction.
Down payment made by a purchaser of real property as evidence of good faith; a deposit or partial payment.
Easement
A right, privilege or interest limited to a specific purpose that one party has in the land of another.
Endorsement
As to a title insurance policy, a rider or attachment forming a part of the insurance policy expanding or limiting coverage.
Real estate insurance protecting against fire, some natural causes, vandalism, etc., depending upon the policy. Buyer often adds liability insurance and extended coverage for personal property.
A trust type of account established by lenders for the accumulation of borrower’s funds to meet periodic payments of taxes, mortgage insurance premiums and/or future insurance policy premiums, required to protect their security.
A description of land recognized by law, based on government surveys, spelling out the exact boundaries of the entire parcel of land. It should so thoroughly identify a parcel of land that it cannot be confused with any other.
A form of encumbrance that usually makes a specific parcel of real property the security for the payment of a debt or discharge of an obligation. For example, judgments, taxes, mortgages, deeds of trust.
Form designed to provide disclosures that will be helpful to borrowers in understanding the key features, costs and risks of the mortgage loan for which they are applying. Initial disclosure to be given to the borrower three (3) business days after application.
The instrument by which real property is pledged as security for repayment of a loan.
A payment that includes principal, interest, taxes, and Insurance.
Power of Attorney
A written instrument whereby a principal gives authority to an agent. The agent acting under such a grant is sometimes called an “Attorney-in-Fact.”
Filing documents affecting real property with the appropriate government agency as a matter of public record.
Settlement statement
Provides a complete breakdown of costs involved in a real estate transaction.
TILA-RESPA Integrated Disclosures
So you’re planning to sell your home. You and your real estate broker have decided on a price, based on current market values, but your home may sell faster and bring a higher price if it shows well. Potential buyers will get the best impression if your home is clean, neat, uncluttered, in good repair, light, airy, fragrant, and quiet. This checklist will help you get your home ready to show.
Clean everything in you home.
Cleanliness signals to a buyer that the home has been well cared for and is most likely in good repair. A messy or dirty home will cause prospective buyers to notice every flaw.
Let the fresh air in.
Get rid of odors that may be unfamiliar or unpleasant. People are most often offended by odors from tobacco, pets, cooking, and musty or sour laundry. Fresh flowers and potpourri can be used to your advantage. Other smells that attract positive attention include fresh baked bread and cinnamon.
Painting your home.
There’s nothing that improves the value of a home for a lower cost than a fresh coat of paint. And it’s so often easier to paint a room than it is to scrub it. Stick with neutral colors - off-white is the safest. Be sure to avoid black, violet, and pink.
Keep the noise down.
Silence is a restful sound that offends no one. Turn off the TV and radio. Soft instrumental music is fine but avoid vocals. If necessary, close the windows to eliminate any street noise.
Unclutter your home before you show it.
Have a garage sale. Empty closets. Throw away what you can’t sell. The less “stuff” in and around a home, the roomier it will seem.
Fix anything that is broken.
This includes plumbing, electrical systems, switches, windows, TV antennas, screens, doors, and fences; if it can’t be fixed, replace it or get rid of it (no window screens are better than broken ones). A buyer will make a much lower offer if your house is in disrepair and will probably still insist that everything be fixed before taking occupancy. You’re better off if you leave potential buyers no reason to offer less than you are asking.
Send your pets away.
Send them away or secure them away from the house when prospective buyers are coming. You never know if people will be annoyed or intimidated by your pets or even allergic to them. And you never want a prospective buyer to have to avoid animal droppings.
Send the kids to Grandma’s.
Send them to Grandma’s or take them on a walk around the block. Children can be noisy and distracting to someone interested in looking at a home.
“Home
staging is no longer optional in this real estate market, it’s a must.”
- Barbara Corcoran
Staging Tips
Grab them from the Curb
Make It Sparkle
Pay Attention to Color and Light
Depersonalize
Spruce Up Your Curb Appeal
Clean, Clean, Clean
Declutter
Neutralize
Remove All Big Clunky Furniture
Consider Replacing Furnishings
Invest in New Artwork
Make Repairs
Apply a Fresh Coat of Paint
Don’t Forget the Floors Spring for New Light Fixtures
Don’t Take it Personally
Don’t Do Major Renovations
Don’t Think the House Will Sell Itself
Don’t Run Out and Purchase All
New Furniture
Don’t Be Afraid to Ask For Help
Clean around service areas/trash cans
Haul away rubbish
Straighten woodpile
Repair leaky faucets
Clean up pet droppings
Paint or varnish doors
Polish door hardware
Make sure doorbell/knocker works
Paint or replace street numbers on house
Make sure septic tank is odor free
Clean oil stains from driveway/street
Patch/reseal driveway if necessary
Replace, repair, and/or paint any damages:
Plaster
Wood siding
Trim
Rain gutters
Shutters
Doors
Window frames
Glazing
Screens
Hardware
Fences/gates
Outdoor lighting
Landscaping
Mow/edge lawn regularly
Aerate/feed lawn
Overseed bare spots in lawn
Water lawn regularly
Remove/replace dead plants
Prune overgrown/diseased/damaged shrubs
Prune or remove shrubs/trees blocking view from windows (unless view is undesirable)
Stake up any sagging trees/shrubs
Keep flower beds free of weeds
Trim around base of trees/walls/fences
Repair or remove any broken or damaged
landscape accessories such as:
Fences
Walls gazebos
Fountains
Trellises
Planters
Other
Replace any broken stepping stones
Adjust any sprinkler system; repair any broken/leaky heads
Install fences or shrubs to hide any unsightly views
Clean/Wash
Siding
Windows
Screen
Outdoor BBQ
AC unit
Pool/Spa
Put Light Bulbs In
Porch lights
Carport Garage
Keep closets clean and free of clutter
Throw out or pack away non-essentials
Adjust/repair sliding doors
Lubricate sliding door hardware
Paint, if needed
All Rooms, Clean especially around:
Doors
Windows
Light switches
Baseboards
Chair rails
Wash lace curtains and have draperies
cleaned if necessary
Remove or pull back dark curtains
Lubricate window slides (soap for wood
silicon or a candle stump for metal)
Make sure doors open smoothly
Clean ceiling light fixtures
Check for cobwebs in all corners
Fix any scratches in wooden floors
Replace worn/broken flooring
Remove or replace worn carpet
Use area rugs where needed
Empty wastebaskets
Make the beds
Fluff the pillows
Kitchen
Keep dishes and food out of sight
Clean appliances
Clean range hood, including light bulbs
Clean behind appliances
Keep floor clean
Clean light fixture
Make sure all electrical outlets work
Eliminate cooking odors
Deodorize garbage disposal, dishwasher, and refrigerator
Repair faucets
Put fresh shelf paper in cabinets
Organize cupboards
Clean out under sink
Replace garbage disposal gasket to reduce noise
Bathroom, Keep them spotlessly clean:
Shine mirrors
Keep wastebaskets empty and clean
Clean out cabinets and remove nonessentials
Keep fresh, clean towels on towel racks
Clean shower door – if sliding door, keep track well lubricated
Remove soap residue, mildew and mold from sink/tub/shower
Remove stains from porcelain sink tub toilet
Replace torn/moldy shower curtain
Bathroom (continued)
Clean tile grout
Make sure toilet flushes properly –replace mechanism if necessary
Clean exhaust fan/heater – replace if broken or noisy
Garage/Carport/Shed
Install 100-watt light bulb
Keep area clean/uncluttered
Hang up/put away tools
Clear away any cobwebs
Remove oil/paint stains from floor
Adjust tension rod to eliminate sag from overhead garage door
Lubricate/adjust/repair garage door opener
Paint if needed
Laundry Area
Clean out area behind washer/dryer
Eliminate any mildew odors
Basement
Eliminate any signs of dampness
Check for and eliminate cracks
Heating/Air Conditioning Unit
Vacuum
Replace filter
Clean intake vent
Remove any stored items
Make sure the temperature in your home is comfortable – keep it cooler in the summer and warmer in the winter. If it’s cooler outside and you have a fireplace, a nice fire will make your home seem cozy and inviting.
Provide an exhaustive written list of the features of your home.
Know the distance to schools and shopping centers.
Refer any prospect that calls or comes by to your broker for pre-screening and pre-qualification as well as for your own safety.
Tell your real estate agent all about the home-good and bad. Let the professional decide how to handle negatives and features or highlight the positives.
Gets pre-approval letter from Lender and provides to Real Estate Agent.
Makes offer to purchase. Upon acceptance, opens escrow and deposits earnest money.
Finalizes loan application with Lender. Receives a Loan Estimate from Lender.
Completes and returns opening package from First American Title.
Schedules inspections and evaluates findings. Reviews title commitment/preliminary report.
Provides all requested paperwork to Lender (bank statements, tax returns, etc.) All invoices and final approvals should be to the lender no later than 10 days prior to loan consummation.
Lender (or Escrow Officer) prepares CD and delivers to Buyer at least 3 days prior to loan consummation.
Escrow officer or real estate agent contacts the buyer to schedule signing appointment.
Buyer consummates loan, executes settlement documents, & deposits funds via wire transfer.
Documents are recorded and the keys are delivered!
Accepts Buyer’s offer to purchase.
Completes and returns opening package from First American Title, including information such as forwarding address, payoff lender contact information and loan numbers.
Orders any work for inspections and/or repairs to be done as required by the purchase agreement.
Escrow officer or real estate agent contacts the seller to schedule signing appointment.
Documents are recorded and all proceeds from sale are received.
Upon receipt of order and earnest money deposit, orders title examination.
Requests necessary information from buyers and sellers via opening packages.
Reviews title commitment/ preliminary report.
Upon receipt of opening packages, orders demands for payoffs. Contacts buyer or seller when additional information is required for the title commitment/ preliminary report.
All demands, invoices, and fees must be collected and sent to lender at least 10 days prior to loan consummation.
Coordinates with lender on the preparation of the CD.
Reviews all documents, demands, and instructions and prepares settlement statements and any other required documents.
Schedules signing appointment and informs buyer of funds due at settlement.
Once loan is consummated, sends funding package to lender for review.
Prepares recording instructions and submits docs for recording.
Documents are recorded and funds are disbursed. Issues final settlement statement.
Accepts Buyer’s application and begins the qualification process. Provides Buyer with Loan Estimate.
Orders and reviews title commitment / preliminary report, property appraisal, credit report, employment and funds verification.
Collects information such as title commitment / preliminary report, appraisal, credit report, employment and funds verification. Reviews and requests additional information for final loan approval.
Underwriting reviews loan package for approval.
Coordinates with Escrow Officer on the preparation of the Closing Disclosure, which is delivered to Buyer at least 3 days prior to loan consummation.
Delivers loan documents to escrow.
Upon review of signed loan documents, authorizes loan funding.
We know the home buying process can be confusing. Let’s walk through a brief explanation of what happens after you sign the contract.
The signed contract and earnest money are delivered to the settlement agent (note: the title company often acts as the settlement agent). Now the title order begins and information such as taxes, loan payoffs, lien search, and other information is collected.
The title search will determine the legal owner of the property and any outstanding liens and/or assessments. This search is critical to making sure the property will transfer legally to the buyer.
Over the next few weeks the following will occur: inspections, repairs (if necessary), payoffs obtained from current lenders, HOA’s, lienholders, ect, and loan document preparation. It is important the buyers and sellers are responsive to requests for paperwork and information.
Once the invoices, payoffs, statements, and loan documents are received, the settlement statement is prepared. This document includes the closing calculations and is used to inform the buyer and seller of their bottom line figures.
The closing paperwork must then be signed by the buyer and the seller. This will include documents such as the deed, settlement statement, loan documents (if applicable), and others.
All payees, including the seller, payoff lenders, real estate professionals, and others are paid according to the settlement statement.
The final documents, including the deed and loan instrument, are sent to the county recorder’s office for recordation. After recording, the deed will be sent to the buyer. The title insurance policy is sent to the buyer and the lender.
The title industry and title insurance in brief.
Prior to the development of the title industry in the late 1800s, a home-buyer received a grantor’s warranty, attorney’s title opinion, or abstractor’s certificate as assurance of home ownership. The buyer relied on the financial integrity of the grantor, attorney, or abstractor for protection. Today, homebuyers look primarily to title insurance to provide this protection. Title insurance companies are regulated by state statute. They are required to post financial guarantees to ensure that any claims will be paid in a timely fashion. They also must maintain their own “title plants” which house duplicates of recorded deeds, mortgages, plats, and other pertinent county property records.
Title insurance provides coverage for certain losses due to defects in the title that, for the most part, occurred prior to your ownership. Title insurance protects against defects such as prior fraud or forgery that might go undetected until after closing and possibly jeopardize your ownership and investment.
Title insurance insures buyers against the risk that they did not acquire marketable title from the seller. It is primarily designed to reduce risk or loss caused by defects in title from the past. A loan policy of title insurance protects the interest of the mortgage lender, while an owner’s policy protects the equity of you, the buyer, for as long as you or your heirs (in certain policies) own the real property.
You pay for your owner’s title insurance policy only once, at the close of escrow. Who pays for the owner’s policy and loan policy varies depending on local customs.
Unlike other forms of insurance, title insurance emphasizes loss prevention for the insured. Title professionals perform labor-intensive work to find and address title issues that could threaten your homeownership. This upfront analysis gives you, as a policy holder, the peace of mind that your title risk has been effectively reduced. In contrast, insurance based on loss assumption (such as auto or property and casualty insurance) requires little upfront work because claims cannot be predicted or prevented, and premium funds are needed only in the event of an accident or other covered issue. These types of insurance also require annual coverage payments, unlike title insurance which is paid for only once upon the purchase of your home or establishment of a new mortgage.
There are many title issues that could cause you to lose your real property or your mortgage investment. Even the most careful search of public records may not disclose the most dangerous threat: hidden risks. These issues may not be uncovered until years later. Without title insurance from a reputable and financially solvent company, the ownership of your home could be jeopardized.
Here are some examples of title issues that may occur:
Deeds by persons supposedly single, but secretly married.
Deeds in lieu of foreclosure given under duress
Marital rights of spouse purportedly, but not legally, divorced.
Impersonation of the true owner of the land.
Deeds by minors.
Deeds by persons of unsound mind.
Deeds to or from defunct corporations.
Defective acknowledgments by notaries.
Duress in execution of instruments.
Erroneous reports furnished by tax officials.
Forged deeds, releases, etc.
Mistakes in recording legal documents.
Surviving children omitted from will.
Administration of estate of persons absent but not deceased.
Birth or adoption of children after date of will.
Claims of creditors against real property sold by heirs or devisees.
Deed of community property recited to be separate property.
Deeds by foreign parties.
Provide title company with current loan information so a payoff statement can be ordered from your lender. You will need to provide your Social Security Number and you may be required to sign a form authorizing your lender to provide the payoff to First American Title.
Complete a Confidential Information Statement if you have a common surname. Provide documentation of any change in marital status (divorce, marriage, death) during current ownership. If the property is inherited we will need a copy of the probated will.
Have your Power of Attorney approved prior to closing in the event you will not be present to sign documents.
Required at Closing:
Driver’s License Social Security Number
Bring extra house keys, garage door openers, warranties or operational manuals for appliances (heating, AC, stove, etc.) or let your real estate professional know where in the house they are located.
Lenders and title insurers may require single owners who have married to have their spouse sign paperwork or a deed at closing. Discuss this with your escrow officer early in the transaction. The Confidential Information Statement should be completed and returned promptly. It will help clarify the identity of the actual person or persons named on judgments in the title search.
Cancel your homeowner’s insurance if you are moving from the property at closing. If you are remaining at the property after closing, you should notify your agent of this change.
Make sure your lender has your forwarding address. The lender will refund monies left in your escrow/impound account and send final paperwork regarding the paid loan.
Keep your final settlement statement with tax documents. You will need it when filing taxes.
Here’s a list of people, businesses and organizations who will need to know you’ve moved to a new location.
Request a “Change of Address” form at a USPS post office
Friends and family
Financial Institutions:
Banks and credit unions
Credit card companies (including department store cards)
Lenders (mortgage, home equity, auto, student loan)
Insurance companies (health, renters, auto, home, medical, dental, disability, life)
Retirement (pension plans, 401K, retirement accounts, Social Security, Veterans Affairs)
Investments (investment agencies and brokers)
Utilities:
Phone services (cellular, land line)
Electric
Heating Oils (gas, oil, propane or other fuels)
Water (water delivery, water treatment)
Sewer
Waste Disposal
Internet (land line, wi-fi and satellite)
Television (cable or satellite TV)
Government Offices:
Department of Motor Vehicles
IRS
Passport Office
Veteran Affairs
Unemployment Office (if you are currently receiving unemployment benefits)
Jobs:
Notify the Human Resources department
Update your personal marketing materials (business cards, websites, resumes)
Employment agencies (temp agencies and recruiters)
Professional Memberships (licensing and certification boards)
Past employers (for W-2)
Health:
Physicians (doctors, dentists, optometrists, etc.)
Pharmacies
Health insurers (HMOs, DMOs, agencies and brokers)
Service Providers:
Cable company
Phone company
Housecleaning services
Delivery services
Accountants
Childcare (day-care center, baby sitters)
Lawn care service
Veterinarian (including pet groomer, pet sitters, and microchip service)
Pool services
Lawyers
Automobile:
Auto insurers (insurance agencies and brokers)
Auto lenders (car dealership, bank or loan place)
Department of Motor Vehicles (changing your vehicle registration)
Membership clubs (AAA or similar)
Parking permits
Warranty (if a car warranty is still in place)
Toll pass (Fast Lane, EZ Pass)
Memberships:
House of worship (churches, synagogues, mosques)
Health clubs
Community groups (PTA, neighborhood associations, civic clubs)
Children’s extracurricular activities (dance classes, music lessons, sport clubs)
Social clubs, community centers
Subscriptions:
Newspapers
Magazines (The USPS will only forward magazine subscriptions for two months)
Movie subscriptions (streaming services or other)
Book and music clubs
Mail order houses
Other:
Air miles reward program
Register to vote!
Update personal websites
Children’s schools