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REAL ESTATE

Real Estate News, Open Home Listings, Homes for Sale, Rentals and More!

BOULDER COUNTY

An Exquisite Colorado Haven The Tuscan-Inspired Stucco Calmante Villas by Boulder Creek Neighborhoods Are a Slice of Heaven.

Open Homes and Virtual Tour Quick Guide

How to Sell Your Home During the 2020 Holidays

Lawn and Garden: Gifts for Gardeners

Looking for a home? View comprehensive listings of local virtual tours and open houses taking place from all across the area.

If you need to sell your home at this time, take heart. There are advantages in your favor. Hereâ€™s strategies for making a sale a winning proposition.

The season for giving is upon us. As you rush to buy gifts for your gardeners, stop to consider what type of green thumb they have.

December 4-5, 2020

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REAL ESTATE NEWS

COLORADO HOME AND REAL ESTATE

CONTRIBUTING WRITERS Zach Wichter Jeff Ostrowski Mary Lynn Bruny Tom Kalinski Michaela Phillips Karen Libin Duane Duggan Sarah Huber Carol O’Meara Ed Del Grande Cathy Hobbs Katie Laughridge ADVERTISING CONSULTANTS Thais Hafer Toni McNeill Mary Romano MANAGING EDITOR Greg Stone

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To advertise in At Home or to promote your open house visit AtHomeColorado.com/Advertise, call Thais Hafer at 303.473.1456 or Toni McNeill at 303.684.5329.

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Housing prices continue historic rise, setting new record By Zach Wichter Bankrate.com (TNS) Housing prices have continued to surge during the pandemic at a rapid pace, with one index showing a record jump in recent months. The Federal Housing Finance Agency’s quarterly housing price index rose 3.1 percent in the third quarter over Quarter Two 2020, the largest gain since that data has been collected starting in 1991, according to Lynn Fisher, deputy director of FHFA’s division of research and statistics. The index also showed a 7.8 percent increase in prices over the third quarter of 2019. Meanwhile, the monthly S&P Corelogic Case-Shiller Index analysis showed a 7 percent gain in average home prices in all nine

U.S. census divisions in September, compared with a 5.8 percent rise in August. “Record low mortgage rates, the geographic flexibility of workfrom-home, and demand that far exceeds the limited supply of homes available for sale continue to push home prices higher,” said Greg McBride, Bankrate’s chief financial analyst. Since the start of the pandemic, real estate has remained a rare bright spot in an otherwise dark economic picture. Lockdowns and working from home trends coupled with historically low mortgage interest rates prompted many people to move, especially out of cities and into suburbs in search of more space. “Housing experienced a v-shaped recovery that helped

boost the overall US economic recovery during the summer and early fall,” Fisher said in a video released by FHFA. “While a great deal of uncertainty remains, we expect housing markets to remain tight, putting upward pressure on home prices in the near term.” It’s likely that mortgage rates will begin climbing in the coming months, though they’ll still remain low compared to historical trends. Even so, housing stock is expected to remain limited, so home prices are unlikely to fall off significantly. The trend doesn’t just benefit homeowners looking to sell, either. Higher home prices means more equity for all homeowners. If you own your house and want to stay put, now is a great time to consider tapping that equity for some improvement projects or other investments.

Mortgage rates hit another record low, despite optimistic economic signs By Jeff Ostrowski Bankrate.com (TNS) Mortgage rates fell this week, reaching another record low, according to a Bankrate survey released Tuesday. The average cost of a 30-year fixed-rate mortgage fell to 3.01 percent from last week’s 3.03 percent in Bankrate’s national survey of lenders. The 15-year fixed also set a new record, falling to 2.44 percent. Bankrate includes origination points and other fees in its figure. The 30-year fixedrate loans in this week’s survey included an average total of 0.32 discount and origination points. Mortgage rates fell steadily since the coronavirus recession began earlier this year, propping

up a surprisingly strong housing market. However, rates had ticked up a bit this month as stocks soared on optimism about the presidential election, potential vaccines for the coronavirus and an improving labor market. The drop in mortgage rates reflects mixed signals from the economy. An autumn spike in coronavirus cases undermined hopeful signs that a COVID-19 vaccine soon will be available, and the economic recovery so far has been uneven and incomplete. Yet stocks rose to new records Tuesday. “Vaccine optimism is offset by virus case reality,” says economist Joel Naroff. Mortgage experts polled by Bankrate expect rates to remain

the same in the coming week. Nearly two-thirds rates to stay the same. The 10-year Treasury yield, a key indicator for mortgage rates, rose to its highest level in months, flirted with 1 percent earlier in the month but had dipped as of Tuesday. “The 10-year is trading at .877 percent, which is virtually unchanged from last week. As the White House transitions the new administration will take shape and so far the market likes what it is seeing. Coronavirus will continue to lead the news as cases skyrocket and the country locks down a little more,” said Mitch Ohlbaum, a mortgage banker with Macoy Capital Partners, Los Angeles.

Drive Traffic to Your Open House or Virtual Tour Increase your exposure with AtHomeColorado’s Open House & Virtual Tour Quick Guide. The targeted buyer promotion includes a print listing, online interactive listing, alerts and Facebook marketing. To place your listing, visit: openhomes.athomecolorado.com (scroll to the bottom for the order link). DAILY CAMERA / TIMES-CALL

THE LIGHTER SIDE

Unwanted houseguests: Mice and squirrels It’s that special time of year. It’s the time of year when temperatures drop and snow falls. It’s the time of year to snuggle up in front of the BY MARY fireplace (if LYNN BRUNY you’re lucky) with some hot tea and a good book (okay, Netflix). It’s the time of year to watch a field mouse scamper across your floor. Wait, what? Yes, just as you seek the shelter of your toasty abode, so do the local little critters. We all love living in Colorado because we love nature. But unfortunately, that nature sometimes wants to join us indoors. Small varmints seem to especially like older homes with their cracks and crevices – the types of homes in which my family likes to live. Currently I see mouse droppings outside by our coal chute that tells me field mice are trying to get inside. (In case you don’t

know what a coal chute is, it’s a little door about a foot square at ground level outside of old houses where folks used to have coal delivered for heating.) Mice used to wedge through the door’s gaps and scootch into our basement until we tightly sealed the chute with weather stripping. But I think decades of generations of mice using this chute like a revolving door has ingrained it hereditarily into their teeny brains, and even after our six years here they still can’t believe they can’t get in it anymore. I imagine these irritated mice in late fall stamping their cute little feet in frustration, super perturbed they can’t shimmy in through the door cracks. (Historic easement rights get nullified when you poop on floors.)

When we first moved into this house there also were squirrels in the attic. It’s a lovely thing when you’re tucked in bed all snug on a cold winter’s night and you hear scratching and skittery fighting above your head. Soooo relaxing. We found the little hole under an eve where these fuzz faces were squeezing into the attic and patched it up, and relocated our uninvited houseguests to a lovely tree-filled spot in open space. Unfortunately, another intruder did not fair as well. During remodeling, we opened up a wall and found an electrocuted and petrified squirrel that must have been there for decades. He died chewing on a now defunct electrical wire (a common cause of squirrel demise), thus I dubbed him “Sparky” before we gave him a proper sendoff. In the first old house we lived in when our boys were small we had no idea we had a varmint issue. One day our oldest son, then about six, told me to come to the upstairs playroom and see his buddy Bob the squirrel, who I assumed was a Beanie Baby. He

told me Bob was eating raisins and getting them all over the place, making such a mess. Messy Bob! Turned out Bob was not a Beanie Baby. Turned out Bob was a real squirrel that got in through a loose cable wall plate. And Bob certainly wasn’t eating raisons; he was crazily running around and pooping all over the place. Meanwhile our boys were gleefully watching him, jumping up and down on the couch while screaming with delight. They were a bit upset when we relocated Bob (again, to open space). I’m not sure how spoiled suburban Bob faired in the great outdoors. We can only hope for the best. Presently we are mouse-less and squirrel-less in our home. It’s blessedly quiet. But give it time. Nature’s little critters are pretty determined to join our comfortable lodgings. Who can blame them? It’s pretty cozy in here. Mary Lynn Bruny is a Colorado freelance writer. Contact her at ml.bruny@ comcast.net.

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REAL ESTATE

How to sell your home during the 2020 holidays

In an average year, the period from November through January presents special challenges for selling your home. In this year’s anythingbut-normal BY TOM holiday season KALINSKI there are added RE/MAX of Boulder difficulties of showing your home during the re-surging pandemic. But if you need to sell your home at this time, take heart. There are a number of advantages in your favor: 1.

Holiday buyers are intent on completing a purchase.

Inventory is very low so fewer homes are on the market and your home has less competition.

Real estate transactions are considered to be an essential activity in Boulder County and can continue during level red as long as COVID-19 requirements are followed.

Virtual showings have become widely accepted.

Let’s get the pandemic-oriented challenges out of the way first. According to the Colorado Association of Realtors, while open houses are not allowed during the level red classification, individual real estate showings are permissible as long as CDC and CDPHE guidelines are followed. Requirements include following social distancing parameters and cleaning between showings. It is a dynamic situation, so check with your Realtor for the latest updates. For initial viewings, virtual tours can take the place of open houses with 360-degree virtual tours. Whether showing your home inperson or virtually, the following tips from hgtv.com will help you take advantage of the unique advantages the holiday season brings. Decorate lightly to get the best effect Light holiday decorations 4

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the heat, play soft classical music and offer homemade holiday treats to set a cozy stage.

Whether showing your home in-person or virtually, there are unique advantages to selling your home during the holiday season. (Photo: Pexels).

showcase the warmth of a home like no other. Use general winter decorations such as greenery and candles to accentuate your home’s best features and avoid personal items or specific themes. Less is more when it comes to decorating, but a few touches like a bowl of pinecones, an evergreen wreath, or a pot of cider simmering on the stove can create a warm and festive feeling in your home. Hire a real estate agent who will be available. Your agent needs to provide needed on-the-ground support during Christmas or New Year. Find an agent who will be available throughout the season and who is knowledgeable about the requirements of showing homes during mandated requirements during the pandemic. This will ease stress and give you more time to enjoy the season. Target motivated buyers. Work with your agent to find buyers who are house hunting during the holidays due to a pressing deadline. This could be people relocating for jobs,

investors, or college students and staff. In Boulder County’s competitive housing market, some home shoppers are strategically taking advantage of the reduced number of active buyers. Boost curb-appeal. Bare trees mean your home’s exterior is more exposed. Make the most of your home’s appeal with exterior paint touch-ups, clean gutters and an impeccable yard. Remember to keep buyers safe with stairs and walkways free of snow and ice. Make a video tour. Buyers will be more likely to shop online due to COVID-19 precautions, as well as inclement weather and busy holiday schedules. Hire a pro to shoot a high-quality video tour and post it online to attract house hunters. Many out-of-town buyers are looking at these tours. Make sure your décor is inviting, warm and neutral. Encourage shoppers to spend more time in your home and admire its best features. Crank up

Follow COVID-19 pandemic requirements for showings. Talk to your real estate agent to establish a hygienic showing protocol that follows the current requirements mandated by the state and county. Showings will be by appointment only with a limit to the number of people allowed per showing. You and potential homebuyers will certify (or sign) a form with questions about your exposure to COVID-19, for example, asking if you have traveled abroad, if have you been sick, etc. During the showing there is no handshaking and people must stay six feet apart. Potential homebuyers may also be required to use hand sanitizer when they arrive and leave, and to remove shoes or wear booties and masks before entering. Removing shoes not only reduces dirt coming in, but potentially germs. Homebuyers will be asked to avoid touching surfaces and view the home quickly. After showings, surfaces in your home should be wiped down. These are among the many strategies for making a holiday home sale a winning proposition. • See the full article at hgtv.com/ design/real-estate/top-10-tips-forselling-your-home-during-theholidays. • For more on the pandemic restrictions visit coloradorealtors.com/2020/11/18/ governor-announces-new-covidrisk-level-changes-to-real-estateactivities-within-level-red or nar.realtor/coronavirus-a-guidefor-realtors%C2%AE. Tom Kalinski is the broker/ owner of RE/MAX of Boulder, the local residential real estate company he established in 1977. He was inducted into Boulder County’s Business Hall of Fame in 2016 and has a 40-year background in commercial and residential real estate. For questions, e-mail Tom at tomkalinski33@gmail.com, call 303.441.5620 or visit boulderco.com.

DAILY CAMERA / TIMES-CALL

Check out these great homes and many more at:

QUIET, GREATSERENE PANORAMIC & PEACEFUL VIEWS 5380 4480NNLariat 109thDrStCASTLE LAFAYETTE ROCK $1,599,000, $1,590,000,11 4 Beds, Beds,49Baths, Baths, 5849 5502 SqFt SqFt

2 ACRES GREAT JUST PANORAMIC OUTSIDE VIEWS BOULDER 4480 4743 N 109th Jay RdStBOULDER LAFAYETTE $1,590,000, $1,315,000,43Beds, Beds,41Baths, Bath, 1757 5849 SqFt

2PROSPECT ACRES JUST W/ OUTSIDE CARRIAGE BOULDER HOUSE 913 Tempted 4743 JayWays Rd BOULDER Dr LONGMONT $1,199,000, $1,315,000, 7 3 Beds, 15 Bath, Baths,1757 3908SqFt SqFt

PROSPECT CHARMING W/ CARRIAGE 1921 REMODEL HOUSE 913 Tempted 1800 Kristy Ways Ct LONGMONT Dr LONGMONT $1,199,000, $885,000, 57 Beds, Beds, 35 Baths, 4294 3908 SqFt

CHARMING 1+ ACRE IN1921 PONYREMODEL ESTATES 12543 1800 Dillon Kristy Ct RdLONGMONT BROOMFIELD $885,000, $800,000, 54 Beds, 34 Baths, 4294 3176 SqFt

LARGE 1+ CORNER ACRE IN PONY LOT INESTATES MIRAMONT 718 12543 Meadow Dillon Run RdDr BROOMFIELD FORT COLLINS $800,000, $655,000, 45 Beds, Beds, 44 Baths, Baths, 3176 4241 SqFt SqFt

PEACEFUL OVER 4 ACRES MOUNTAIN OF PRIVACY GETAWAY 2499 12Zlaten Dime Rd Dr LONGMONT BOULDER $799,000, $549,000, 22 Beds, Beds,23Baths, Baths,2884 1412SqFt SqFt

LARGE YEAGER CORNER FARM'S LOT IN STUNNER MIRAMONT 718 Meadow 1523 Bowen RunStDrLONGMONT FORT COLLINS $655,000, $469,900,53Beds, Beds,43Baths, Baths,4241 2462SqFt SqFt

RARE WELL-KEPT RANCH COTTAGE IN OLD TOWN ALL BRICK ENGLISH 707Francis E EmmaStStLONGMONT LAFAYETTE 421 Beds,21Baths, Bath, 877 SqFt $600,000,3 2Beds, $469,000, 1848 SqFt

GREAT LOCATION BRIGHT AND W/ LOW AIRY TRAFFIC 492 309 Dahlia MaggieWay St LONGMONT LOUISVILLE $599,000, $450,000, 34 Beds, Beds, 23 Baths, Baths, 1267 2459 SqFt SqFt

LOW MAINTENANCE PROSPECT LOFT LIVING 2017 2964 100 Sonata Year Party Bay CtCtLONGMONT 5 LONGMONT $565,000, $450,000, 42 Beds, Beds,33Baths, Baths,3268 1498SqFt SqFt

TURN-KEY UNIQUE DESIGN W/ NEW IN PAINT GATEWAY & CARPETS PARK 1600 963 Mount Laramie Meeker Blvd Ave 8-E BOULDER BERTHOUD $542,000, $389,500, 4 Beds, 1 Bed,4 1Baths, Bath, 3939 740 SqFt SqFt

BEAUTIFUL TOWNHOUSE STYLE CONDO ALL BRICK ENGLISH COTTAGE 277 S Taft Ct 421 Francis St LOUISVILLE LONGMONT $375,000,32Beds, Beds,22Baths, Baths, 1848 970 SqFt $469,000, SqFt

CLOSECOZY TO THE MOUNTAIN FINEST AMENITIES CABIN 450 625WPearl Spring St St 13NEDERLAND BOULDER $463,000, $349,999, 22 Beds, Beds, 11 Bath, Bath, 748 561 SqFt SqFt

3RD FLOOR PROSPECT 2 STORY LOFTCONDO 2017 3035 100Oneal Year Party PkwyCt T37 5 LONGMONT BOULDER $450,000, $339,000, 22 Beds, Beds,32Baths, Baths,1498 1044SqFt SqFt

LARGE MASTER OVERSIZED CLOSET GREAT WORK W/ FROM HOME SPACE 6844 284 NIWOT 2920Countryside Bluff St 212LnBOULDER $334,900, 12 Bed, Beds,12Bath, Baths,832 896SqFt SqFt $424,900,

ENJOY 2 STORY MOUNTAIN W/ FINISHED VIEWSBASEMENT FROM PATIO 804 Summer 438 Heritage HawkLn DrJOHNSTOWN 8108 LONGMONT $398,000, $330,000, 43 Beds, 42 Baths, 1839 1308 SqFt

MOVE COZY IN READY MOUNTAIN SUNNY CABIN CONDO 4654 450 White W Spring Rock St Cir NEDERLAND 7 BOULDER $324,500, $349,999, 2 Beds, 21 Baths, Bath, 561 887SqFt SqFt

PRIME 3RD FLOOR ACCESSIBLE 2 STORY LOCATION CONDO 3035 400 Emery Oneal Pkwy St 304T37 LONGMONT BOULDER $339,000, $295,000,22Beds, Beds,21Baths, Bath, 1044 1198 SqFt

MOVE MOVE IN READY IN READY SUNNY CONDO CONDO 4654 2003White TerryRock St 106 CirLONGMONT 7 BOULDER $324,500, $214,900,22Beds, Beds,21Baths, Bath, 887 835 SqFt SqFt

Thinking

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View these homes online! rem.ax/bocohomes

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20 Years 19

of Boulder County Gold Awards!

1113 Sherri Mar Court Longmont 2430 Maplewood Circle E. Longmont 1921 Panorama Circle Longmont 3 Bed, 2 Bath $450,000 5 Bed, 3 Bath $499,900 4 Bed, 7 Bath $1,986,000 Beautiful Ranch Home, Currently Rental. Custom Ranch in Westlake Manor 5 bed/3bath. Mid Century Modern in Old Town Longmont. www.1113.wkre.com www.2430.wkre.com www.1921.wkre.com Dana Hunt: 303-709-4443 Portia Husted: 303-868-3558 Chris Haught: 303-947-4074

14798 N. 115th Street Longmont 525 3rd Avenue Longmont Farm/Ranch $2,500,000 Commercial $4,500,000 1925 Original Bldr Cnty Unincorporated farm. Grand historic building in Old Town Longmont. www.14798.wkre.com www.525third.wkre.com Dana Hunt: 303-709-4443 Tom Hill: 720-312-7271

01-13 Thunder Valley Cir. Fort Lupton Land $180,000-$215,000 Custom home community east of Erie. www.thundervalley.wkre.com Jim Green: 303-775-2553

836 Walnut Street #C Boulder 905 Utica Avenue Boulder 9586 Sugarloaf Road Boulder 2 Bed, 2 Bath $750,000 5 Bed, 3 Bath $1,459,000 3 Bed, 4 Bath $1,995,000 Downtown Location Minutes To Pearl Street. Location! Near Wonderland Lake. Must See. Luxurious chalet is modern, historic & rustic. www.836.wkre.com www.905.wkre.com www.9586.wkre.com Leslie Koprowski: 303-579-7765 Bruce Drogsvold: 303-541-1948 Bruce Drogsvold: 303-579-1627

BOULDER OFFICE: 303.443.2240 LONGMONT OFFICE: 303.776.3344 wkre.com 6

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MORTGAGE

What happens to your second mortgage when you refinance the first mortgage Refinancing has the potential to be a smart move that can save you thousands over the term of the loan. If you have a second mortgage and you’re BY MICHAELA thinking about PHILLIPS refinancing the Guaranteed Rate, Inc. first one, it’s helpful to have an understanding of the process so you know what to expect. Here, I share more about what happens to the second mortgage when you refinance the first mortgage to help you determine if this is the right decision for you. The Process of Resubordination In order to refinance your first mortgage, you’ll need to have the lender of the second mortgage agree to resubordination (sometimes referred to as subordination). Resubordination means that the second mortgage

If you have a second mortgage and you’re thinking about refinancing the first one, it’s helpful to have an understanding of the process so you know what to expect. (Photo: Jacques Bopp/Unsplash).

will stay in the second position to be repaid, even after refinancing the first mortgage. Without agreeing to resubordination, the second mortgage would become first in line to be paid off once the first mortgage is refinanced--something that the refinancing lender cannot allow. Resubordination of the second mortgage is a must because

if the home were to be foreclosed upon, the primary mortgage would be paid off before any funds were directed toward the subordinate loan. Fortunately, most lenders of a home equity loan or equity line of credit will readily agree to resubordination. Although the equity lender isn’t required to agree

to resubordination, they’ll almost always grant this permission if the property value is rising and the combined loan-to-value ratio is low enough. You’ll just want to avoid appearing too risky to the lender of the second mortgage. You can improve your chances of approval by maintaining a fixed-rate mortgage refinance instead of taking on an adjustable rate loan. In most cases, you’ll simply need to pay a fee between $200 and $500 and provide your income information and a copy of the appraisal to the lender of the second mortgage. Expect the process to take a couple of weeks, and have all the documentation on hand for a smooth procedure. If the equity lender agrees to the resubordination request, the agreement will be recorded at title. Michaela is the Vice President of Mortgage Lending at Guaranteed Rate, Inc. Contact Michaela at 303.443.6292, e-mail michaela. phillips@rate.com or visit michaelaphillips.com. NMLS: 312874.

LONGMONT ASSOCIATION OF REALTORS

INDEPENDENT BROKERS MOVING IN? MOVING OUT? MOVING UP? CALL

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December 4-5, 2020

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REAL ESTATE

Rural Boulder County: Why every year there are fewer properties

Folks wanting to buy in rural Boulder County are often frustrated by the lack of properties on the market and wonder why there BY KAREN are so few. LIBIN As a Boulder KL Realty County rural property broker for more than 30 years, I have seen the changes that have led to this situation. Let me explain. I started my career by working with elderly farmers who were too old to continue working, many who were second or third generation owners of their land, some descendants of the original homesteaders. They were a special generation of people that made up the rural history of Boulder County. Over the years, I bonded with these people and they with me. They were very similar to my grandparents in Canada who owned a dairy farm in Alberta. They made me feel like I had

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family close by. Some farmers I worked with needed money to survive the rising costs of owning and operating a farm in Boulder County. I helped many of these farmers ease their financial burdens by negotiating conservation easements on their properties. But others had to outright sell their farms. Some of these sold properties were bought by other farmers, but mostly they were acquired by city folks wanting to experience life in the country. But back then there were far less city folks competing for country properties than there are now. But by far the biggest competitor that has affected the rural market is Boulder County Open Space. They have completely changed the landscape of rural Boulder County with their ongoing purchases, and I’ve found most locals are completely unaware of this. Boulder County has deep pockets and can easily and usually does outbid regular buyers. Boulder County spends taxpayers’ money to pluck the most prime pieces of land, driving

up values in the process and removing more properties from the marketplace. Currently they own somewhere between half and two-thirds of all rural Boulder County land. And of course, it’s not like we can make more land. Between buying up land and imposing tough building regulations (stricter than in the City of Boulder), it seems Boulder County does not want families taking up residence on rural properties. This is truly sad, as some of our most wonderful farmland is not being utilized and our small farm and ranch heritage is being lost. Thus, after decades of homestead properties being bought by Boulder County, there are simply way fewer properties left, and this number will only continue to get smaller and smaller as time goes on. Add to this fact that privately owned rural properties do not change hands as often as urban ones and you can see why there are so few rural properties for sale at any given time. Additionally, while there is less inventory every year, there is

an ever increasing amount of city folks competing to purchase them. One can appreciate why rural buyers have to make some concessions from their idyllic visions when looking at properties. They need to consider what changes can be made to improve not-currently-perfect properties that are in a good location (the most important factor when buying). Boulder County Land Use has succeeded in intimidating future landowners but the process to make improvements is actually quite doable. There are strict rules one needs to navigate within those, but an experienced rural broker can help you understand these. Unfortunately, we can’t make any more land but we can improve current properties. Karen is the owner and managing broker of KL Realty, and has more than 29 years of experience in the Boulder County real estate market. Contact Karen at KL Realty, call 303.444.3177, e-mail team@klrealty.net or visit klrealty.net.

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REAL ESTATE

A special holiday gift for first-time home buyers If you’re searching for an enduring gift for your loved ones, which will be treasured for a lifetime, during an especially challenging BY DUANE year, you can DUGGAN consider giving Realtor and Author up to $15,000 in cash or assets RE/MAX of Boulder to another person without having to worry about the federal gift tax. You’re allowed to make multiple $15,000 gifts to as many different people as you would like. For example, if you would like to give each of your three children $15,000 for a total of $45,000 in gifts, you can do so tax-free. For gifts of this size, one idea is to help the recipient buy their first home through the Colorado First-Time Homebuyer Savings Account (FHSA). This plan is similar to a 529 college savings accounts, but for homebuying. Any Coloradan can set up a savings account to be used towards the down payment and costs associated with closing for a first-time home. For most first-time home buyers, the lack of a down payment is a key challenge to affording a home. The FHSA, which was approved by Colorado State Legislature (House Bill 16-1467) and became available in 2017, is a great way to solve that issue. Moreover, in a housing market where interest rates are at an historic low, this is a great way to speed up a homebuyer’s ability to purchase their first home. What is the benefit of setting up the FHSA? Setting up this account allows a first-time homebuyer’s down payment to grow free of any Colorado taxes on gains in the account. This is a nice benefit, but the true benefit for a first-time buyer is creating an automatic system for monthly contributions to ensure that their savings grow. Not only could this be a unique and lasting gift for you to give during holidays, it could also be a wonderful alternative as a wedding gift. Instead of purchasing a happy couple a set of china that is rarely used, why not give them a memorable gift towards a down payment for their December 4-5, 2020

A Colorado First-Time Homebuyer Savings Account (FHSA) is a great way to speed up a homebuyer’s ability to purchase their first home. (Photo: Ben White/Unsplash).

first home? When a baby arrives, proud parents, grandparents, or friends and relatives can even set up a FSHA account for the newborn child to have as an early start on saving for a home. How much can be contributed to a FHSA? First-time buyers can contribute a total of $50,000 in principal. The account can grow to a peak of $150,000 free of Colorado taxes. There is an annual contribution cap of $14,000 for a single person or $28,000 for a married couple filing jointly. Best of all, there is no time limit for how long the account can stay open. What is allowable to be paid from the FHSA? The down payment first and foremost. However, funds from this account can also be applied to anything included on the settlement statement such as closing costs, inspections, and lender fees. To qualify for an FHSA, how is a first-time homebuyer defined? Clearly, this is someone who has never owned a home. A home could be a single-family home, townhouse, condo, co-op, or mobile home, but it does not include land or commercial property. However, there are exceptions! If someone was married, owned a home, and is now divorced for three or more years, that person still qualifies. If that person was fortunate enough

to inherit a home, that person can still qualify, but will likely not need to save for a down payment. Finally, another way to qualify is that person can buy a home with someone else who has owned a home, just as long as that person has not owned a home before. How do you, or the first-time homebuyer, set up the FHSA? Almost any kind of account you can set up at a financial institution can be in a FHSA. Examples are savings accounts, money market account, CDs, stocks, bonds, mutual funds, and even insurance. If you are just getting started, you can open a new account, or you can designate one of the first-time homebuyer’s existing accounts as an FHSA. You or the first-time homebuyer will want to speak with their financial advisor or banking specialist to help them take the first step. When the first-time buyer files state income taxes, there will be a form to send with the return. If their taxes are completed by a tax accountant or someone else, they will want to remind them of this important financial account and the proper paperwork. What does the homebuyer do once the home is purchased and the funds are used? Congratulations to the first-time homebuyer! There will be a form to complete and send to the State of Colorado showing that the funds were used toward “eligible” costs.

Does the homebuyer have to use a particular home loan program in conjunction with the FHSA? No, the homebuyer can use any FHA, CHFA, VA, or conventional mortgage loan program. In fact, there are loan programs aimed at first-time buyers. For example, with an FHA home loan the homebuyer can get in with 3-½ percent down payment. Why not create a plan for monthly contributions to the FHSA based on saving up that 3-½ percent down payment by a certain time? Before the homebuyer knows it, they will have saved up enough to buy a home. The first-time homebuyer should be sure to consult a financial planner, accountant, mortgage loan officer, and Realtor® to create a plan that is just right for their situation. Duane Duggan has been a Realtor for RE/MAX of Boulder in Colorado since 1982 and has facilitated over 2,500 transactions over his career, the vast majority from repeat and referred clients. He has been awarded two of the highest honors bestowed by RE/MAX International: The Lifetime Achievement Award and the Circle of Legends Award. Living the life of a Realtor and being immersed in real estate led to the inception of his book, Realtor for Life. For questions, e-mail DuaneDuggan@boulderco.com, call 303.441.5611 or visit boulderco.com. ATHOMECOLORADO.COM

COVERPROFILE

An exquisite Colorado Haven The Tuscan-inspired stucco Calmante villas by Boulder Creek Neighborhoods are a slice of heaven for those lucky enough to lock in one of the final three home sites. By Sarah Huber At Home Colorado

he Villas at Calmante is “like a village,” said Calmante homeowner Gary Nutt. His wife, Mary Nutt, added, “A friendly village, a place where the neighbors care about each other and watch out for each other.” With easy access to broad walking and biking trails, 12

AT HOME COLORADO

close proximity to Boulder and Denver and a priority on lowermaintenance living, the Tuscaninspired stucco Calmante Villas are a Colorado haven, a slice of heaven for those lucky enough to lock in one of the final few home sites. Only three homes in the neighborhood remain – just in time for those seeking a peaceful and joyful 2021 in an elegant patio home by the award-winning lifestyle builder Boulder Creek Neighborhoods. Echoing Gary, Calmante sales manager Chris Mason said, “Calmante encapsulates an interesting community of professionals, artists, entrepreneurs, and retirees. One neighbor is up early each day walking the trails. Others are out cycling, hiking and skiing. People are walking with their pets and

chatting.” Many homeowners volunteer in the community and are involved in book and social clubs, lecture circuits and crafting bees. Mason continued, “From the floor plan designs to the lifestyle, Calmante gives buyers something unusual in the market,” – a lower-maintenance home offering main floor living at 3,000 to 3,700 square feet in a tight-knit, welcoming community. Picturesque location and lowermaintenance conveniences For the Nutts, who closed on their Calmante patio home in October, Calmante’s location in the Town of Superior is ideal. Located at the corner of Coalton and McCaslin, across from thousands of acres of Boulder County open space, The Villas at Calmante is uniquely situated in Boulder County. Many evenings Mary

and Gary, often with books in hand, watch the sun sink behind the Flatirons, and the Nutt’s two comfortably sized patios, the future home of Mary’s potted garden, make the most of the striking landscape. Since the Calmante Villas are arranged “theater-style”, or built solely on one side of the street, and back to open space, the neighborhood beautifully highlights the distinctive topography, and “each home has some nice elevation of its own,” Mason explained. The Nutts were also drawn to Calmante by the lowermaintenance lifestyle that is a central feature in every Boulder Creek neighborhood. A retired University of Colorado professor, Gary said, “We built our home in Boulder on a huge lot, and it was a lot of work to keep it all going. As it was more than we wanted to DAILY CAMERA / TIMES-CALL

do, we began looking for a place with less of an obligation for yard work, snow shoveling and the like.” Gary and Mary considered patio homes throughout Boulder County, yet when they discovered Calmante – complete with the stunning location Mary craved and the promise of more relaxation and fewer yard and exterior home chores – the Nutts knew they’d found the home “for our September years,” Gary said. “Calmante was the fit for us.” Intuitive, accessible design Gary and Mary attended high school and college together in Idaho, before marrying and moving to Seattle, where Gary worked at Boeing. They’ve resided in Colorado since building their Boulder home in the 1990s: “We moved back when our oldest of two daughters became a teenager because, well, Boulder is a great place,” Mary said. When the Nutts recently decided to sell their house in Boulder, “we didn’t want a condominium,” Mary said. “We wanted a stand-alone home with certain features.” Some of the features include minimal steps, intuitive design, a spacious kitchen and excellent craftsmanship. For ease of movement, “I like living on the main floor,” Mary said. Their Calmante floor plan, the 53B, includes a master suite, a second bedroom and a flex room or study on the main floor, plus a formal dining room, a breakfast nook and the laundry room a few steps from the master suite. The openconcept great room flows into the Nutts’ optional entertainer’s kitchen, featuring white quartz countertops, a butler’s pantry and a large island for cooking and gathering. “We haven’t been able to have people over yet, but this kitchen suits our cooking lifestyle,” Mary said. While they’re “still unpacking boxes all over the place,” the Villa exudes serenity. The three-car, walk-out garage, roomy walk-in closets and storage on the lower level give the Nutts ample space to organize. In the finished basement, Gary is setting up a studio to repair guitars, one of his hobbies, and play music, and the spacious recreation room is a great hangout for guests and family. Mason noted that Calmante buyers, like the Nutts, appreciate their new homes’ main floor accessibility. “This floor plan thrives because the main level setup is so perfectly suited to daily December 4-5, 2020

living,” he said. “At Calmante, main floor living reaches a new level of convenience and comfort.” For utmost convenience, the Villas include minimal-step entry ways, and three-foot-wide doorways and wide hallways. Boulder Creek Neighborhood’s meticulous design, showcased in the big things – such as superiorlevel roofing materials – to the little things – such as pre-wired Wi-Fi and raised electrical outlets to reduce bending, empowers independence and saves time and energy for homeowners of any age. Personalization opportunities galore Like all buyers at the Villas, the Nutts were able to personalize their home from a vast array of interior design selections. Boulder Creek partner, Saddleback Design, offers thousands of options for flooring, tile, and countertops – those special touches that really make a house a home. The Nutts chose a calming palette of earth

tones for their Villa, and are thrilled with the end result. “It all starts with a conversation that happens when Boulder Creek home buyers come into our showroom,” says Saddleback Design Manager Lesley Hodges. “We listen, and ask the right questions. The designer is dedicated 100 percent to that appointment and to finding out who those homeowners are and how they want to live in their home. We help the homeowners find the right interior design for their lifestyle. We ask about their hobbies and interests and whether they have pets.” This information is invaluable when buyers are personalizing their new Boulder Creek home. Details like these can inform decisions on materials, styles, and create a home that helps the owner live the life they always dreamed. Incredible location with only four homes left Although Mary and Gary said

they’ve mostly been inside unpacking, they’re eager to explore the nearby trails and revitalized downtown Superior. Denver and the Denver International Airport are about 30 minutes away, and there’s no shortage of things to do in Boulder County, from the mountains and outdoor sports to prime eateries, craft breweries, festivals and museums. Villas homeowners transitioning to a lower-maintenance lifestyle may just have some new found free time to explore it all. Boulder Creek Neighborhoods is presenting the final opportunities at the Villas at Calmante, with the final four homes priced from $1.3 million-plus. For more, visit LiveCalmante.com or contact the Concierge Team at 303.309.0088 or hello@livebouldercreek.com. The Villas model is available to tour by appointment only, with all safety precautions in place. ATHOMECOLORADO.COM

LAWN AND GARDEN

Gifts for gardeners From simple pleasures to outright splurges, the season for giving is upon us. As you rush to buy gifts for your gardeners, stop to consider what type of green BY CAROL thumb they have. O’MEARA This will help you Colorado State University Extension narrow down your choices in making that small purchase go a long way to happiness. Experienced gardeners are a little harder to shop for since we have the basics. But that doesn’t mean we don’t like a load of manure. A big pile of poo would have appalled my mother, but I think it’s a very sweet gesture. Just make sure the manure comes from an herbivore and is aged four months or longer. Are they devoted vegetable growers? The one thing they’ll love is the gift of seeds. Big your gardener. Check out gift dreams grow from small packets sets from Botanical Interests and gathering a up a collection is (botanicalinterests.com/category/ the perfect way to please without Holiday-Seeds-and-Greetings), breaking the budget. a gift card from BBB seeds Many of our local seed (bbbseed.com/), or find companies have great deals on underutilized heirloom seeds at gifts and seed collections for Amkhaseed (amkhaseed.com).

A Paper Pot Maker is an inexpensive way for gardeners to make seed starting pots from paper. It’s a fun craft project for children, too, providing an activity to combat boredom. A sustainable choice for those wanting to reduce the amount of plastic they depend on, a Paper Pot Maker is fun and easy to use, over and over. $15.95 at For Small Hands (forsmallhands.com/pot-maker). If your gardener wants to add humor, check out the hilarious sculpture Gnome-Be-Gone by Utah artist Fred Conlon. Tackling the debate between gnome lovers and haters head-on, his two metal creatures carry aloft a peakedcap, kitschy gnome like a captive. Marching the garden interloper off makes space for what should rightfully adorn the garden: a flamingo (please don’t e-mail me to try and change my mind. I’m firmly in the flamingo camp). $125; find this at Uncommon Goods, (uncommongoods.com/ product/gnome-be-gones-withgnome). If your gardener is new to the hobby, a gift basket is a great way for you to cover a lot of items they might need. Filled with plant markers, seeds, and pots, a handsome, functional basket is an

all-in-one gift they’ll love. You can pop in an additional tool to make the basket complete. $49.95; Gardening gift basket from Mountain Lily Farm (available on Etsy, etsy.com/listing/568594979/ vegetable-garden-gift-basketheirloom?gpla=1&gao=1&). For those who spend all day working with their hands, focus on quality, not quantity. Go cheap and you risk harming your greenthumbed friend, since poorly made tools can snap, snag, or worse, require too much pressure to operate. Yes, a good pruner is costly – about $75 and up – but they last a decade or longer. Don’t forget gloves, plant markers, or other knick-knacks gardeners love. We’re not a picky group; after all, we treasure scraps of twine and get woozy over manure. If you’re unsure, ask another gardener for their opinion before you purchase something. We’ll be honest and let you know if it works or not. Carol is an Extension Agent – Horticulture Entomology at Colorado State University Extension Boulder County. For more information call 303.678.6377, e-mail comeara@bouldercounty.org or visit ext.colostate.edu/boulder.

ASK THE EXPERT

Plumbing gifts that keep on giving By Ed Del Grande Tribune News Service (TNS) Q: Dear Ed: Enjoyed your plumbing gift article for the holidays. Especially like the rules: affordable, easy install and fun. But I noticed the gifts like musical showerheads were bathroomrelated. Any kitchen plumbing gift ideas I can research? – Todd, Iowa A: Plumbing accessories can be fun gift choices. But my previously mentioned gifts were more bathroom-related, thanks for the catch. I’ve now come up with a few kitchen plumbing gift ideas to add to the holiday list. Disinfecting wipes dispenser These new stainless steel canisters 14

AT HOME COLORADO

look great on any kitchen countertop and can fit a standard 30-35 wipes inside. Kitchen sink utility racks Improve the work area with these adjustable sink racks that straddle the sink bowl. Soaking cups, towel dryers and temporary shelving are just a few features. Wine glass drying racks This is a dedicated air dryer made especially for wine glasses. Wash, rinse and hang the glasses right next to the sink for fresh party supplies. I hope these additional kitchen gift suggestions help you cook up some good presents for the holidays. Master Contractor/Plumber Ed Del Grande is known

This is a dedicated air dryer made especially for wine glasses.

internationally as the author of the book “Ed Del Grande’s House Call,” the host of TV and Internet shows, and a LEED

green associate. Visit eddelgrande. com or write eadelg@cs.com. Always consult local contractors and codes. DAILY CAMERA / TIMES-CALL

Boulder’s Independent Real Estate Professionals By the Stroke of a Pen

6775 Ute Highway

$2,400,000

Secluded, irrigated, 35-acre farm. Renovated home.

8249 N 39th St

$2,995,000

2 homes on 37 acres with Left hand Creek and water rights.

2013 brought a calamitous flood, certainly. For many areas it was a one-in-fivehundred-year event. For others it may have been bigger. Since then the creeks and canyons have been cleared of obstacles and re-engineered, presumably now better able to cope with an equivalent event. But on top of that the flood maps have been revised, and the building regulations, too. Based exactly on what? a layman would ask. For those living within the newly defined risk areas—some of the most beautiful properties in the county— their property values have plummeted and their options sometimes arbitrarily curtailed. For example, some obscure regulation states that existing houses in the [now] floodway can only be remodeled by 50% of the assessed value, measured in monetary terms, and then without increasing the footprint. Where did that come from? And perhaps more importantly, why is the monetary value significant at all?

12800 Foothills Highway

$1,975,000

Trees, excellent water rights and 5400 sq ft home on 19 acres.

Call for a Price Opinion. 303.444.3177 klrealty.net 7097 Jay Rd

11715 Vermillion Rd

10650 N 75 St

14 acres, water rights, and 3-bed home.

4.8 acres, water rights, privacy and views.

19.66 acres, pond, water rights and views.

$1,495,000

December 4-5, 2020

$1,050,000

team@klrealty.net ATHOMECOLORADO.COM

SHOP LOCAL ARTS & CRAFTS VENDORS NOW! VISIT WWW.COLORADODEALZ.COM/CRAFTFAIR

AT HOME COLORADO

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QUICK GUIDE

OPEN HOUSES // VIRTUAL TOURS

LIST YOUR OPEN HOUSE OR VIRTUAL TOUR: VISIT OPENHOMES.ATHOMECOLORADO.COM OR CALL 303.473.1456, 303.684.5329 Boulder 285 Fair Place $1,550,000 https://is.gd/mfgcJF Digger Braymiller RE/MAX of Boulder (720) 234-6390

Fort Collins 5100 E Hwy 14 $1,175,000 Saturday 12:00 PM-3:00 PM John Simmons C3 Real Estate Solutions (970) 481-1250

5100 E Hwy 14 $1,175,000 Sunday 12:00 PM-3:00 PM John Simmons C3 Real Estate Solutions (970) 481-1250

Lafayette 675 Amelia Lane (Sales Center) From mid $400K’s Saturday 11:00 AM-5:00 PM Marlita Lazo Markel Homes (303) 651-9565 675 Amelia Lane (Sales Center) From mid $400K’s Sunday 11:00 AM-5:00 PM Marlita Lazo Markel Homes (303) 651-9565 928 Cimarron Drive (Sales Center) $606,900 Saturday 11:00 AM-5:00 PM Tracy Carruth Markel Homes (720) 324-8350 December 4-5, 2020

928 Cimarron Drive (Sales Center) $606,900 Sunday 11:00 AM-5:00 PM Tracy Carruth Markel Homes (720) 324-8350

Superior

Longmont

501 - 539 Canary Lane Starting at $895,000 Saturday 12:00 PM-6:00 PM Eric Stjernholm Trelora Real Estate (720) 572-1397

5801 Grandville Avenue (Sales Center) $640,000 Saturday 11:00 AM-5:00 PM Roz Pinon Markel Homes (720) 583-2170 5801 Grandville Avenue (Sales Center) $640,000 Sunday 11:00 AM-5:00 PM Roz Pinon Markel Homes (720) 583-2170 2408 Summerlin Court From $1.2M Saturday 12:00 PM-4:00 PM Brian Terry Bosch Real Estate Group (303) 845-0949 2408 Summerlin Court From $1.2M Sunday 12:00 PM-4:00 PM Brian Terry Bosch Real Estate Group (303) 845-0949

Louisville 1320 Snowberry Lane (Sales Center) From mid $400K’s https://is.gd/CYDugG Michele Steward Markel Homes (303) 667-1489

501 - 539 Canary Lane Starting at $895,000 Friday 12:00 PM-6:00 PM Eric Stjernholm Trelora Real Estate (720) 572-1397

501 - 539 Canary Lane Starting at $895,000 Sunday 12:00 PM-6:00 PM Eric Stjernholm Trelora Real Estate (720) 572-1397 501 - 539 Canary Lane Starting at $895,000 Wednesday 12:00 PM-6:00 PM Eric Stjernholm Trelora Real Estate (720) 572-1397 501 - 539 Canary Lane Starting at $895,000 Thursday 12:00 PM-6:00 PM Eric Stjernholm Trelora Real Estate (720) 572-1397

Windsor 6191 Bay Meadows Dr $719,500 Saturday 12:00 PM-3:00 PM John Simmons C3 Real Estate Solutions (970) 481-1250 6191 Bay Meadows Dr $719,500 Sunday 12:00 PM-3:00 PM John Simmons C3 Real Estate Solutions (970) 481-1250 ATHOMECOLORADO.COM

DESIGN RECIPES

Tips for less moving stress By Cathy Hobbs Tribune News Service With a new year approaching, many may desire a transition. Moving is often high on the list, and one of the more stressful events for individuals and families. If you are looking to move during this time, there are some key tips to keep in mind. 1.

Schedule your move at least one month in advance. Many movers are booked several months in advance, especially during this time.

Avoid peak seasons like fall and spring. Many movers charge a premium during certain periods of the year.

Look to move midweek or mid-month. The most in-demand periods are the beginning and end of the month, as well as weekends. Ask family and friends for recommendations. Moving is

Moving is a stressful experience, but these tips can help ease the transition. (Photo: Dreamstime/TNS).

a personal experience, and it may be best to use a company with which someone you trust has had a positive experience. 5.

Secure at least three quotes. The lowest quote may not be the best choice. Be sure to also consider a companyâ€™s quality of work.

Bigger isnâ€™t always better. Large companies have multiple crews, and your experience may depend on the movers assigned to your move that day. With a smaller company you may likely deal directly with the owner, or at least get a more personal touch.

Looking to save? Pack or unpack yourself. Add-on services may not be needed.

Have pricey art or valuables? Look for a moving company that specializes in crating, wrapping and moving higher-end items. Not every company has this level of expertise.

Read reviews. Online reviews from customers may impact your decision.

10. Oversee your move personally. It is always best for you to be on site the day of your move. Cathy Hobbs, based in New York City, is an Emmy Awardwinning television host and a nationally known interior design and home staging expert with offices in New York City, Boston and Washington, D.C. Contact her at info@cathyhobbs.com or visit her website at cathyhobbs.com.

Excellent service should not cost more, it should be expected! Thinking of selling?

I offer a very comprehensive and competitive marketing package; and my consultations are always free!

Terri Taydus

A fresh approach to real estate Assisting buyers & sellers since 2010

Voted Boulder County Gold Best Realtor & Runner Up since 2018

A percentage of my annual commission is donated to Blue Sky Bridge in Boulder Terri Taydus, GRI, CNE

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THE PATRICK DOLAN TEAM Questions about the real estate market? Our team of knowledgeable experts has the answers! CALL US TODAY: (303) 441-5642

COMING SOON!

NEW PRICE!

2883 W 119 TH AVE #12-101, WESTMINSTER

6851 GOLDBRANCH DR, NIWOT

2 Beds • 2 Baths • 1,273 SQ FT • Offered at $319,000

5 Beds • 8 Baths • 8,261 SQ FT • Offered at $2,499,000

Well maintained ranch condo with an open floor plan!

Impeccable Tuscan inspired style with spectacular views!

More Photos & Info: patrick-dolan.com/2883-119th

More Photos & Info: patrick-dolan.com/6851-goldbranch

NEW LISTING!

365 S 43RD ST, BOULDER 4 Beds • 2.5 Baths • 2,839 SQ FT • Offered at $824,900 Wonderfully updated ranch in Martin Acres! Beautiful yard & covered patio! More Photos & Info: patrick-dolan.com/365-43rd

GET IN TOUCH! December 4-5, 2020

(303) 441-5642

patrick-dolan.com

patrickdolanteam@gmail.com ATHOMECOLORADO.COM

STYLE AT HOME

A beautifully blue Christmas By Katie Laughridge Tribune News Service / TNS “Blue Christmas” might not be the most uplifting holiday song, but our Blue Christmas room is certainly one beautiful display. Blue and white is one of my absolute favorite color combinations year-round, so we always have a stunning selection of chinoiserie. While not a classic Christmas palette like pine green and poinsettia red, blue is often used to represent winter, so I like to think it fits in just right for Christmas and is a frosty, magical approach to the season. Add in some soft gold and champagne shimmer and the combo is a fresh, timeless pairing. Our rich and vibrant Twilight Room was the perfect spot to highlight the dreamy look. We like to keep our furniture in this room light and warm to offset the cool tones of the navy walls, and it is the perfect mix for the display. The lavish velvet ribbons and touches of

gold give a luxurious and elegant feel from the tree, to the mantel, and the foliage atop the ottoman. A few of my favorite elements are the unexpected, mirrored stars and the frosted blue Christmas tree figurines. Both accents reflect the surrounding holiday lights and send it bouncing from display to display. These are also items that can be used in many different areas of a home to tie together a cohesive look. I have loved searching for chinoiserie touches for the holiday season while shopping at market. We are big fans of chinoiserie, from ginger jars to pagoda figurines and pet bowls. I wanted to bring in a selection of chinoiserie ornaments to finish the year with the cutest blue and white yet. Adapted from nellhills.com. Katie Laughridge is the owner of Kansas City interior design destination Nell Hill’s. For more information, contact Katie at info@nellhills.com.

Light furniture offsets navy walls, culminating in a beautifully blue holiday display.

While not a classic Christmas palette like pine green and poinsettia red, blue is often used to represent winter and is a frosty, magical approach to the season.

Chinoiserie ornaments bring in a cute combination of blue and white.

• Non-smoking community

December Look and Lease Special!!!! Currently offering Up to $500 OFF the first month selected floorplans! Don’t Wait!

Call Today! (303) 651-3600 20

AT HOME COLORADO

• Sixteen distinctive floorplans • Granite countertops, wood-style plank flooring & stainless steel appliances • Full size in home washer and dryer • Attached & detached garages available • Two pools, spacious sundecks, and FREE WiFi at pool/spa and clubhouse • 24-hour fitness center • Playground, sand volleyball, sport court • Clubhouse with conference room & business center • BBQ areas at the pool and throughout the community • Across the street from a grocery store anchored shopping center and walking distance to other services and restaurants

Now Accepting Dogs!* *Breed Restrictions

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www.RealEstateInNorthernColorado.com Take a look at this Log home on beautiful 40 acres with over $300,000 in improvements in the past 10 years!

8 acres on Storm Unique characteristics Wait to with see A-frame you the home amazing 2 chefMountain! kitchen with over $100,000 in including beautiful detailing,arock work, loft space upgrades alone! woodwork Property includes detached barn and&additional vaulted ceilings. Unfinished sqand ft barn included ontoproperty. building pad with cistern, 1600 septic, power ready go!

MAKE ONE YOURS! ONE OF THESE GREAT PROPERTIES YOURS! 138 Acres Land! 138Acres Acres of of Vacant Vacant 138 VacantLand! Land!

Overlooks Reservoir! 3.3 Acres Pinewood Perfect for Horses! E

4151 Wilderland Wilderland Way, Loveland 4151 Loveland $925,000 •• MLS# MLS# 877823 $900,000 877823 With 5 for Approved Building Lots Approved Multiple Residences!

138138 Acres of Vacant Land bordering Devils Acres of Vacant Land bordering Backbone Space! Only 15 minutes Devil’s Open Backbone Open Space! Only to Downtown Loveland but feels like a world 15 minutes to Downtown Loveland but away! Call for more details or details feels like a world away! Call for more ortotoschedule scheduleaatour! tour!

IC PR

AcreViews! Lot! 43Large Acres3/4With

Carter Lake Live/Work Borders NationalOpportunity! Forest!

79 Green Mountain Drive 671 Eiger Road, Livermore $465,000 MLS# 920886 900115 $75,000 ••MLS#

3 Beds • 2 Baths • Total Sq. Ft. 1992 Take aa look look at at this this 3.3 quaint sitting on Take acrecabin gently sloping half an acre overlooking Pinewood Reservoir lot with a great building site in Glacier View lcoated lessFA1 than 30 minutes all the Meadows! Farming zoningfrom allows for conveniences that Downtown Loveland many uses including but not limited toand the equestrian surroundingand area has to offer! residential!

2800 Kyle Road, Circle Loveland 2312 Saddle Notch $625,000 • MLS# 898211 $250,000 921582

5 Beds • 4 Baths • Total Sq. Ft. 3943 Come see in desirable Looking forthis landhome with Views? This Bonnell 43 acre West! Features main floor office, main floor property 35 minutes from Loveland backs to laundry, main floor master with walk in closet National Forest and can be combined with andthe5 neighboring piece masterlotbath, andacres backs up to for 79 total! neighborhood open space! Private Roads – By Appointment Only.

NorthSaddle Shore Notch RV Park Store 2324 Rd,and Loveland $1,200,000 MLS#915813 871670 $275,000 ••MLS#

3 Beds • 4 Baths • Total Sq. Ft. 2820 Opportunity at the Northand Shore RV Park Looking forabounds land with Views National & Store with multiple streams of income with Forest access? Now available are these potential for more! Schedule your showing now 36 wooded acres just 35 minutes to the to see this Live/Work property in the Carter Lake area! West of Loveland!

Co-listed with Rico Devlin Private Roads – By Appointment Only. 970-413-1182 • rico@lcrealestategroup.com

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970-231-4172 • jfeeney@c3-re.com My marketing can get your property sold…Contact me now and receive a FREE market analysis!

December 4-5, 2020

ATHOMECOLORADO.COM

Boulder Area Real Estate Statistics HOUSE SALES

Year to Date

October 2020 Statistics

Average Sales Price

Sold Listings Location Boulder Erie Lafayette Longmont Louisville Lyons Mountains Niwot Plains Superior Total

Sold Inventory Avg. Sales Listings Price 174 307 $1,333,581 48 39 $638,723 66 45 $700,807 228 232 $599,502 35 21 $821,857 10 20 $563,096 49 95 $932,310 7 15 $823,000 67 88 $796,923 14 15 $788,771 698 877

Days on Market 46 52 28 46 33 34 75 30 42 15

Median Sales Price $975,000 $589,375 $618,000 $508,163 $775,000 $580,317 $576,000 $845,000 $713,500 $688,750

Location

Thru Oct-19 2247 449 532 2,008 367 124 330 98 514 229 6,898

Boulder Erie Lafayette Longmont Louisville Lyons Mountains Niwot Plains Superior Total

Thru Oct-20 2,094 468 557 2,135 327 136 359 96 545 211 6,928

% Chg (6.8) 4.2 4.7 6.3 (10.9) 9.7 8.8 (2.0) 6.0 (7.9)

CONDO & TOWNHOME SALES

Boulder Erie Lafayette Longmont Louisville Lyons Mountains Niwot Plains Superior Total

Avg. Sales Price $531,903 $406,625 $394,411 $415,479 $473,108 $0 $0 $368,900 $398,219 $518,257

Days on Market 47 83 34 42 35 0 0 65 64 57

Median Sales Price $480,000 $404,000 $412,000 $375,000 $456,250 $0 $0 $369,500 $381,250 $391,000

Location

Thru Oct-19 864 67 239 535 128 2 4 19 117 96 2,071

Boulder Erie Lafayette Longmont Louisville Lyons Mountains Niwot Plains Superior Total

Boulder Erie Lafayette Longmont Louisville Lyons Mountains Niwot Plains Superior

Thru Oct-19 57 60 39 48 37 65 81 68 73 40

Thru Oct-20 54 49 36 50 35 50 76 81 67 32

% Chg (5.3) (18.3) (7.7) 4.2 (5.4) (23.1) (6.2) 19.1 (8.2) (20.0)

Thru Oct-20 949 63 227 460 147 6 8 27 102 84 2,073

Days on Market

Average Sales Price

Sold Listings

Sold Inventory Listings 99 291 8 3 27 33 39 26 12 22 0 0 0 0 5 3 16 22 16 29 222 429

Location

Thru Oct-19 $937,500 $540,000 $590,000 $450,000 $650,000 $570,000 $550,000 $1,000,000 $678,000 $665,000

Thru % Chg Oct-20 $955,000 1.9 $570,000 5.6 $615,000 4.2 $481,000 6.9 $706,000 8.6 $583,000 2.3 $627,000 14.0 $1,167,500 16.8 $710,000 4.7 $670,000 0.8

Year to Date

October 2020 Statistics Location

Median Sales Price

Days on Market

Thru Thru % Chg Oct-19 Oct-20 $1,195,420 $1,203,043 0.6 $590,428 $596,988 1.1 $638,564 $677,397 6.1 $507,887 $555,701 9.4 $722,133 $760,331 5.3 $571,166 $589,645 3.2 $730,579 $791,812 8.4 $1,214,208 $1,257,112 3.5 $846,035 $877,010 3.7 $696,430 $709,465 1.9

% Chg 9.8 (6.0) (5.0) (14.0) 14.8 200.0 100.0 42.1 (12.8) (12.5)

Thru Oct-19 $512,284 $352,907 $404,792 $343,405 $452,003 $450,000 $390,075 $277,184 $374,349 $466,183

Thru Oct-20 $529,503 $347,070 $400,086 $364,814 $490,268 $403,333 $515,000 $341,019 $372,489 $494,824

% Chg 3.4 (1.7) (1.2) 6.2 8.5 (10.4) 32.0 23.0 (0.5) 6.1

Location Boulder Erie Lafayette Longmont Louisville Lyons Mountains Niwot Plains Superior

Thru Oct-19 62 69 52 70 54 41 59 38 58 41

Median Sales Price

Thru Oct-20 53 57 45 46 77 89 94 81 57 59

% Chg (14.5) (17.4) (13.5) (34.3) 42.6 117.1 59.3 113.2 (1.7) 43.9

Thru Oct-19 $431,850 $335,000 $405,000 $324,900 $415,000 $450,000 $359,900 $265,000 $349,200 $401,500

Thru Oct-20 $452,000 $311,000 $401,500 $352,488 $459,700 $400,000 $385,000 $325,000 $351,250 $431,000

% Chg 4.7 (7.2) (0.9) 8.5 10.8 (11.1) 7.0 8.5 0.6 7.3

Data Source: IRES- Information Real Estate Services

FEATURED AGENT The Bernardi Real Estate Group 303-402-6000 karen@bernardigroup.com

Elliott Apartments are located in a historic residential neighborhood in Longmont, Colorado. Just two blocks from beautiful main street Longmont, Elliott Apartments has easy access to shopping, restaurants, and entertainment.

Read Karen’s At Home profile at: www.athomecolorado.com/karen-bernardi

418 Emery St. Longmont • (303) 772-6452

KAREN BERNARDI

Offering 1, 2, and 3 bedroom apartments.

RENTAL SPOTLIGHT Your Guide to Rental Communities in Boulder, Broomfield, Larimer and Weld Counties

AtHomeColorado.com/Rentals Complex Name The View on 26th

Address

Type

Rent

$1,943 1853 26th Street Apartments per month Boulder, CO 80302

Bed/Bath 2 Bed, 2 Bath

Description Choosing to live in apartments in Boulder means opting for beautiful scenery, a vibrant social scene and a quick commute to both the mountains and the city. The View on 26th offers you all that and more. Join friends by the pool or at our clubhouse, with free WiFi and a coffee bar, while you plan how to make the most of your day. From sunrise to sunset, the iconic peaks are stunning from your large apartment windows or personal patio. Secluded and serene, yet incredibly close to the 29th St. Mall and all the fun of Boulders dining and shopping scene, The View on 26th is just that—the perfect place in the heart of everything you love.

Other Amenities

Information

Pet Friendly, Newly Renovated Clubhouse, Doggy Park, Fire Pit, Laundry Facilities

303-447-179 theviewon26th.com

To list your rental or community call Thais Hafer at 303.473.1456 or e-mail hafert@dailycamera.com 22

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FAIR HOUSING NOTICE All real estate advertising in this newspaper is subject to the Federal Fair Housing Law which makes it illegal to advertise a preference limitation or discrimination based on race, color, religion , sex, handicap, familial status, or national origin, or an intention to make any such preferences, limitation or discrimination. This newspaper will not knowingly accept any advertising for real estate which is in violation of the law. Our readers are hereby informed that all dwellings advertised in this newspaper are available on an equal opportunity basis. To complain of discrimination, call The Colorado Civil Rights Office at 1-800-262-4845/ HUD at 1-800-669-9777.

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SAN JUAN DEL CENTRO APARTMENTS

2, 3 & 4 Bedroom Apts Available Now - Apply Today **INCOME RESTRICTIONS APPLY** Applications by Request. Write or Stop by

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3100 34th St, Boulder, CO 80301 or Call 303-442-0230 Hours of Operation: Monday-Friday 9am-5pm Equal Housing Opportunity

FOR ADVERTISING & SPONSORSHIP OPPORTUNITIES, CONTACT

Thais Hafer hafert@dailycamera.com 303.473.1456 Mary Romano romanom@dailycamera.com 303.473.1450

December 4-5, 2020

atHome COLORADO HOME & REAL ESTATE

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RECENTLY LISTED HOMES Permanently Affordable Housing

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