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BOULDER COUNTY
Landscaping with Colorado Native Plants Conference
Experts in horticulture, ecology and landscape design will share how to plan, plant and maintain beautiful and biodiverse native landscapes from the ground up at the upcoming conference.
Open Homes and Virtual Tour Quick Guide Looking for a home? View comprehensive listings of local virtual tours and open houses taking place from all across the area. January 21-22, 2022
Tips for Checking the Adequacy of Your Homeowners Insurance In the aftermath of the devastating Marshall Fire, home insurance is top of mind. For those of us fortunate enough to have escaped this urban wildfire, now is the time to review your insurance policy.
Pictured: Indian paintbrush (Castilleja spp.)
6 Ways to Save More Money in 2022 Improving your diet and health are common New Year’s resolutions, but improving your financial health should be a priority, too. ATHOMECOLORADO.COM
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NEWS COLORADO HOME AND REAL ESTATE
CONTRIBUTING WRITERS Tom Kalinski Jennifer Egbert Duane Duggan William Cook Paul F. P. Pogue Matthew Goldberg Deryn Davidson Cathy Hobbs
ADVERTISING CONSULTANTS Thais Hafer Toni McNeill Mary Romano
MANAGING EDITOR Greg Stone
EDITORIAL
At Home Colorado is a weekly publication designed for the Colorado home and real estate community. The Boulder County edition publishes Friday in the Boulder Daily Camera and Saturday in the Longmont Times-Call. Submit your real estate and home-related news, press releases and article ideas to: gstone@prairiemountainmedia.com.
ADVERTISING
To advertise in At Home or to promote your open house or virtual home tour visit AtHomeColorado.com/Advertise, call Thais Hafer at 303.473.1456 or Toni McNeill at 303.684.5329. . At Home is an marketing feature of the Boulder Daily Camera, Greeley Tribune, Longmont Times-Call and Loveland Reporter-Herald. ©2022 Prairie Mountain Media.
Equity Colorado welcomes 19 agents to its Longmont office LONGMONT – Equity Colorado is thrilled to announce the addition of 19 experienced agents to its team in Longmont. New agents include: Dick Bergland, John Burns, Toby Cahill, Rodney Carlson, Isabel Chavez, Judy Coats, Patrick Connors, Chris Crew, Shelley Crews, Johnnie David, Chris Freeman, Felicia Godfrey, Belinda Hanke, Leslie Lubovich, Steve Kiss, Mark Prucha, Cher Smith, Sandy Taylor and Dan Yegge. Equity is the 15th largest real estate entity in the U.S. with over 3,000 agents nationwide and over 600 in Colorado’s four branches. The agents that have joined Equity Colorado credit the generous business plan, the assistance of Office Manager/Realtor Laurie Radatz, as well as the leadership of the branch manager, Nancy Umbreit. Equity Colorado is excited to welcome these agents as part of its family.
Equity Colorado’s office at 710 Kimbark Street in Longmont. (Photo: Jonathan Castner).
For more information on Equity Colorado-Front Range, visit 710 Kimbark St. in Longmont, call 303.416.8383 or go online to equitycoloradonorthernfrontrange.com.
Realtors® announce $2 million relief grant for victims of Boulder County fires Application process now open to displaced residents BOULDER COUNTY – A $2 million grant from the Realtors® Relief Foundation is to be distributed to victims of the December 2021 fires that ravaged Boulder County, destroying more than 1,000 residential properties. Funded through donations from Realtors® and Realtor® organizations and administered by the Colorado Association of Realtors® Foundation, the grant will provide eligible applicants
up to $3,000 of assistance per household impacted by the recent fires. Funding is available on a first-come, first-served basis to qualified applicants, victims of the Boulder County fires who have been displaced from their primary residence, based upon certain qualifications. The funds must be used for one of the following: •
Monthly mortgage expense for the primary residence that was damaged by the wildfire disaster; or
•
Rental cost due to displacement from the primary residence resulting from the wildfire disaster.
Grant details and access to the online application process are available at: bit.ly/CARBOCOFireRelief. Application requests will be accepted until all funds have been distributed or until April 8, 2022. A panel of local professionals will review and verify the applications and supporting documents with relief checks issued weekly.
Drive Traffic to Your Listing
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. READ MORE ONLINE AT: ATHOMECOLORADO.COM 2
AT HOME COLORADO
To place your listing, visit: openhomes.athomecolorado.com (scroll to the bottom for the order link).
BOULDER DAILY CAMERA / LONGMONT TIMES-CALL
REAL ESTATE
Tips for checking the adequacy of your Homeowners Insurance In the aftermath of the devastating Marshall Fire, home insurance is top of mind. For those of us fortunate enough to have escaped this TOM urban wildfire, KALINSKI now is the time to review your insurance policy. It cannot be said often enough: homeowners should check the value of your insurance policy each year. The non-profit Rocky Mountain Insurance Information Association (RMIIA) recommends homeowners conduct an insurance policy “check-up” each year. The goal is to keep up with local building costs and adjust your policy to cover remodeling or home improvements and your personal belongings, according to RMIIA. But what do you need to know about your homeowners insurance policy? It is critical to know what your policy covers and have confidence it will cover the cost of rebuilding, especially at the moment you need it. RMIIA notes some of the basics are: The typical homeowners insurance policy covers damage from fire, windstorm, hail, water damage (excluding flooding), riots and explosion. The policies often cover other causes of loss, like theft and the extra cost of living elsewhere while the structure is being repaired or rebuilt. Your insurance needs to cover the cost to replace the structure of your home and your personal belongings. The association describes three ways to insure your home:
It cannot be said often enough: homeowners should check the value of your insurance policy each year. (Photo: Pexels).
•
Replacement cost pays the cost of replacing the damaged property without deduction for depreciation, but is limited to a maximum dollar amount.
•
Extended replacement costs cover costs up to a percentage – usually 20% – over the limit. It protects against a sudden increase in construction costs.
•
Actual cash value covers the cost to replace your home minus depreciation costs for age and use. For example, if your roof is 15 years old and the life expectancy of your roof is 20 years, the roof’s cash value would be a small percentage of replacement cost.
The RMIIA website suggests
that you “should insure your home for the total amount it would cost to rebuild your home if it were destroyed. That’s not the market value, but the cost to rebuild.” To get a quick estimate on the amount to rebuild your home, multiply the local building costs per square foot by the total square footage. Check with your insurance agent to get the local building rates in your area. In addition to construction costs and square footage, other factors that affect the cost to rebuild include – but are not limited to – type of exterior wall construction, house style, number of rooms and bathrooms, roof type and special features. RMIIA recommends asking your insurance agent for an inflation guard clause to “automatically adjust the dwelling limit when you renew your policy to reflect current construction costs in your area.” Even if you have an inflation guard clause, you should still double check your policy each year to be sure it is keeping up with local building costs. Your personal belongings can also be insured in two ways: Replacement cost coverage pays the dollar amount needed to replace damaged personal property with items of like kind or quality without deduction for depreciation. Actual cash value pays the replacement value of damaged property minus depreciation. It’s important to note that unless your homeowners policy specifies that personal property is covered for its replacement value, the coverage is for actual cash value. Be sure to check the limits of your policy on personal items – such as jewelry, silverware, furs
Wendy Conder
WENDY CONDER
303-775-0108 • wendy@wendyconder.com January 21-22, 2022
•
Rocky Mountain Insurance Information Association rmiia.org/homeowners/ Walking_Through_Your_ Policy/Homeowners_ Insurance_basics.asp
•
Home Builders Association of Metro Denver www.hbadenver.com/ marshall-fire-resources
•
Colorado Department of Regulatory Agencies Division of Insurance doi.colorado.gov
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, email Tom at tomkalinski33@gmail.com, call 303.441.5620, or visit boulderco.com.
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and computer equipment. RMIIA recommends that if the limits are too low, consider adding a special personal property endorsement to your policy. Make an inventory and document everything you own in your home and in other buildings on the property by writing it down – along with serial and model numbers and date of purchase – and take still or video pictures. Include receipts when you can. For more information, visit the following websites for excellent resources on insurance coverage:
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Each office independently owned and operated.
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MARSHALL FIRE
Resources for those affected by the Marshall Fire The Boulder County community is reeling from the aftermath of the Marshall Fire that swept through the towns of Superior and Louisville. As JENNIFER many of you EGBERT likely know, this blaze was the most destructive in our state’s history. The fire burned at least 6,000 acres and destroyed more than a 1,000 properties. Needless to say, thousands of our fellow Coloradans are facing unimaginable challenges right now. If you or someone you know has been displaced by the Marshall Fire, the following resources are available for those affected. Additional information and more comprehensive help (such as insurance resources) can be found here, linktr.ee/ marshallfireresources FEMA The Federal Emergency Management Agency (FEMA) has allocated funds for victims of the Marshall Fire. Individuals who have been impacted can apply for assistance via DisasterAssistance.gov or by phone at 1.800.621.3362. Types of assistance may include grants for temporary housing or home repairs, low-cost loans for uninsured property losses, and programs for both individuals and business owners. Boulder County Disaster Assistance Center Located at Boulder County Southeast County Hub, 1755 South Public Road in Lafayette, the Boulder County Disaster Assistance Center offers numerous services, including: • • • •
COVID-19 testing Assistance with transportation and vouchers Emergency shelter referrals Consultations for property loss and support for filing claims
The Boulder County Disaster Assistance Center will operate from 9 a.m. to 7 p.m., seven days per week, and is expected to 4
AT HOME COLORADO
remain open for at least three to four weeks. Evacuation centers With thousands of properties destroyed, many households are in desperate need for temporary housing. If you or someone you know needs a place to stay, there are numerous evacuation centers in Boulder County. Here are just a few of the options: • • • •
The YMCA of Northern Colorado North Boulder Recreation Center Longmont Senior Center Rocky Mountain Christian Church
Mental Health Services Losing a home or being exposed to the stress of the fire is a traumatic event, and it’s important to have access to support. Those who are experiencing a crisis may contact Colorado Crisis Services by calling 1.844.493.8255 or by texting “TALK’ to 38255. Young people who are struggling have access to three complimentary counseling sessions offered by I Matter, imattercolorado.org. The National Disaster Distress Helpline (1.800.985.5990) is also a great resource that’s available at each of the local evacuation shelters. Experience from the 2013 Floods A member of the Boulder community who lost her home during the 2013 floods has thoughtfully shared this advice: Shelter – find somewhere as fast as you can that will give you some stability and peace. The sooner you can “settle” without bouncing around friends, the better. If possible, rent for six months minimum. Insurance – file asap. There will be a long queue, better to get to the front of the line. Be prepared to be incredibly persistent and fight when necessary. Hopefully, depending on your situation, you will have coverage and the sooner you know what that looks like the sooner you can start to assess your options for the longer term. Depending on your insurance situation you may have options for reimbursement on basic living expenses (hotel, clothing etc.)
during this immediate phase. Keep receipts for everything. When in doubt, just keep the receipt. Find a friend who is your “representative”. Make them the contact person to triage all the inbound offers of help from everyone else who wants to help you. Trust me, there will be lots of offers. Have your representative help you come up with a list of basic needs for living, clothing sizes etc. This will give folks some clear direction on how to help you. Cash is king. Believe me it’s the weirdest thing to accept money but we did and you should. Cash and gift cards help most vs. hand me downs. But you will need both so breathe in and out and say thank you. You might know what you need for the next few days but not the next few weeks and months. Encourage your representative to suggest cash and gift cards as they will offer the most flexibility but take what is offered and pass on what you don’t think you’ll need. People will want to help. People you don’t know, never will know. Accept it. It’s weird and strange but this is community, this is love. You will see the best in humans and it will bring out the best in yourselves. Thank them, don’t feel guilty. One day you’ll pay it forward and in the meantime it will give you great comfort. As soon as you’re ready, try to build a list of every item you’ve lost. I mean EVERY item. You may or may not need it for insurance. You will want it for taxes as you’ll be filing a casualty loss. It’s not easy to do this and doesn’t need to be done immediately. The Boulder Community Foundation and other organizations will set up grants. Apply for everything. Friends can apply for programs on your behalf. We got $300 from a church I’ve never been to and $1,000 from Oskar Blues. Every bit helps. This will take some time before these things are available but you will want to be plugged in to the City of Louisville / Superior so you can go to the meetings, which will talk about options for grants, rebuilding etc. etc. These meetings aren’t easy as the need will be great but being smart about this will help you. The Federal Government has declared the Marshall Fire a
federal disaster but not yet for individual personal property loss. This is still possible as they continue to survey the damage and would be helpful as it opens up federal support, including up to $35,500 in FEMA aid. If you need to talk to someone. Find someone. If you need to scream, scream. This is a loss. A real loss you should not feel guilty for or minimize. Grieve how you need. If you normally make quick decisions on big things. Do. If you don’t, give yourself time. If you’re lost, be kind to yourself and give yourself time. Your ideas about what you want to do will change. Mortgage – if you have one, call your mortgage company. Some will be prepared to work with you to temporarily pause payments while you sort things out. Your options here can vary widely so definitely be making this call right away. It will also help that FEMA has made the designation to offer assistance (this means something to national mortgage companies) as of today. Everyone should register here – disasterassistance.gov right away. The news today is positive as it will open up not just Federal funds for temporary housing and home repairs (this is the $35K max I mentioned) but it will also open up programs for low cost mortgages from the SBA and other programs (see list above). The Marshall Fire has brought unimaginable destruction, leaving many households in our county with devastating loss. The resources mentioned here are just a few of the options that are available. If you feel compelled to donate, you can contribute to the Boulder County Wildfire Fund organized by the Community Foundation of Boulder County. Looking for more ways to help? Here are some more ways to lend a helping hand, rmpbs.org/blogs/news/how-tohelp-marshall-fire-victims. Jennifer is an award-winning, licensed Realtor® at milehimodern real estate in Boulder with more than eleven years of experience. She specializes in Luxury neighborhoods, home builders and current market conditions. Visit jenniferegbert.com, e-mail jennifer@jenniferegbert.com or call 303.619.3373.
BOULDER DAILY CAMERA / LONGMONT TIMES-CALL
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1040 5th St Call for Prices Three industrial units in Lyons. Easy access and ample parking.
14025 N 87th St $1,500,000 9 acres with updated home. Highland Ditch and old-growth trees.
8127 Hygiene Rd $995,000 Cute and private ranch house with attached greenhouse, detached garage and water rights on 1.6 acres. January 21-22, 2022
5991 Nelson Rd $1,950,000 35-acre buildable parcel with privacy, views and Swede Ditch water rights. Conveniently located.
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REAL ESTATE
January is Radon Action Month The Environmental Protection Agency (EPA) has designated January as National Radon Action Month. According to the EPA, radon is DUANE the leading cause DUGGAN of lung cancer among non-smokers. Radon gas is emitted from decaying uranium naturally occurring in our soil, rocks and groundwater. Radon is radioactive and carcinogenic, seeping through a foundation to build up to dangerous levels inside a home – and in any other building for that matter. Because radon is invisible and odorless, it can often go undetected for years. The only way to find out if radon is at a hazardous level is to test for it. Radon is not a new phenomenon – it has been around since the beginning of time. Current construction methods seal homes tightly to conserve energy, however, this allows for radon gas to stay trapped. Radon tests are not required by law or mortgage lenders during a real estate transaction. It has been the market which has dictated that most homes are tested for radon during a real estate transaction. During the mid-1980s, radon became a factor in real estate transactions. It first came to light when Stanley Watras, a construction engineer at the Limerick Nuclear Power Plant in Boyerstown, Pennsylvania, set off radiation detectors on the way INTO work, not on the way out. As Stanley continued to set off the alarms when he arrived at work, it was determined that the radioactive material was on his clothes and the source was his house. As it turned out, his home had a radon level of 2,600 pCi/L. The current EPA recommended safe level is 4 pCi/L. By the way, pCi/L stands for picocuries per liter of air. In other words, his home was a hot radioactive site. Further research showed that the entire neighborhood Watras’s house was built on was part of the Reading Prong, a geological formation across areas of Pennsylvania, New Jersey and New York that contains elevated concentrations of uranium. The 6
AT HOME COLORADO
First-time home buyers frequently face the challenge of saving for a large enough down payment for their first home purchase. (Photo: Pexels).
Watras’s house was built on top of a crack that radon was able to escape through. After this famous story, the real estate market started testing for radon during the real estate transactions. Relocation companies started requiring testing results of less than 4 pCi/L before committing to buy a home from a transferring employee. Today, most real estate transactions for single family homes will have a radon test performed as part of the inspection process. The EPA has divided the country into radon zones. Most of Colorado is in Zone 1, which means the odds are high that a radon test will come in above the 4 PCi/L level. The good news is that in Colorado along the Front Range from Pueblo to Fort Collins, it is very rare that a house with an elevated level of radon cannot be mitigated. Most of the homes that show elevated levels are those that were built before the presence of radon became well known. In today’s construction, homes are built with methods that keep radon levels lower, even without an active system. If a home does test for an elevated level, the most common fix is a sub-slab ventilation system. This system is actually fairly simple. It involves installing a pipe
below the basement slab, along with a fan, and venting the radon out from underneath the house. After the system is installed, a retest is done to determine if the system is doing its job. Radon mitigation systems for the typical home can range from about $800 to $2,000. A very large home, with an elevated test might require two systems. As a seller in today’s market, if you don’t have a radon system in place, generally it is a good idea to have your home tested before putting it on the market. If there is a high level of radon, you can have it fixed before it becomes an excuse for a home buyer to back out of a transaction. Most home inspectors will offer to conduct a radon test for a reasonable fee. There are a variety of radon tests available. Short-term tests collect readings for two to 90 days. They are usually used in a real estate transaction since time is of the essence. A long-term test, however, will give you a truer and more definitive picture of the radon levels over an extended period of time. There are also continuous radon monitors or detectors that are much like smoke detectors. Radon levels change on a daily and seasonal basis due to weather conditions and variants in the construction of
the home. Since radon was first discovered in homes in the 1980s, we have learned a lot. Not everyone is in agreement how dangerous radon is. In most cases, the fix is inexpensive and simple so it is almost always worthwhile to test for it and undergo mitigation. There is a wealth of information available on the EPA website at epa.gov/radon See the EPA’s radon zone map at: gispub.epa.gov/radon. To learn more about the history of radon, visit: health.harvard.edu/ newsletter_article/Radon_revisited. Your Realtor® can advise you on your best strategy relative to radon in your real estate transaction. Duane Duggan is an awardwinning Realtor® and author of the book Realtor for Life. He has been a Realtor for RE/MAX of Boulder in Colorado since 1982 and has facilitated over 2,500 transactions over his career. He has been awarded two of the highest honors bestowed by RE/ MAX International: The Lifetime Achievement Award and the Circle of Legends Award. For questions, email DuaneDuggan@boulderco. com, call 303.441.5611 or visit boulderco.com.
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REAL ESTATE
Homebuyer programs help buyers keep pace with rising home prices By William Cook Omni Fund, Inc. Home prices are continuing to go up in Colorado making it trickier than ever to become a first-time homeowner. In Boulder, the median home sales price made was $1.35 million in December 2021. That’s up by approximately $350,000 in the same month in 2020. Longmont prices rose dramatically as well with a median price of $580,000. That’s a 18 percent jump from December 2021. Fortunately, there are a number of loan programs that offer down payment grants and closing cost assistance for first-time home buyers provided by the Colorado Housing and Finance Agency (CHFA). The following are some of the best first-time homebuyer loan options FHA Loans For people who have never owned a home, FHA financing is the most preferred home loan due to the fact that borrowers only need a 3.5% down payment. That comes out to $20,300 needed on a $580,000
home. Moreover, the qualifying credit scores can be as low as 580 and the borrower’s monthly gross income needs to be just two times more than their monthly debts including the new home payment. This is a great starter program for low-income borrowers. Conventional Loans Conventional loans require a 680 or higher minimum credit score to get 97% financing, or come in with just a 3% down payment up to the conforming loan limit which is based on the county. Borrowers with credit scores below 680 and above 620 credit score may qualify with a 5% to 20% down payment. Mortgage insurance is not mandatory when your down payment is more than 20 percent. USDA Loans USDA mortgage loans are available to borrowers who meet the low-to-median income rules and when the home has an address in an eligible USDA designated rural or suburban area. The USDA is attractive as there is no down payment requirement for borrowers who have a 620 or above credit score.
VA Loans Veterans, reservists, and spouses of the U.S. military may be qualified to get a VA home loan. This loan offers 100 percent financing and mortgage insurance is not necessary. Military veterans who have a credit score between 580 to 620 are still eligible unless the lender has strict overlays. HomeReady and Home Possible Loans Freddie Mac and Fannie Mae created the HomeReady and Home Possible loan programs for low-income first-time homebuyers whose income is not more than 100% of the area median income requiring just a 3% down payment and a 620 credit score. Jumbo Loans For higher priced homes and loans that don’t fit the guidelines and limits of Conventional, FHA, VA or USDA, there are still 5 percent down jumbo loans. They are currently being structured as either a single loan at 95 percent of the home’s value or a 1st loan of 80 to 90 percent of the purchase price and a 5 to 15 percent home equity line of credit (HELOC). Depending
on the credit markets, jumbo mortgage lenders will tighten their maximum loan to value (LTV) down to 90 LTV. Colorado First-Time Home Buyer Programs CHFA provides down payment assistance and grants to firsttime home buyers. The minimum requirements for a mortgage have to be satisfied. Requirements include: • Minimum 620 middle FICO credit score • Attend a home buyer education course • Income must not be above 100% of the area’s median income in Weld or Boulder county • Up to 3% may be used for your down payment • No repayment is required William Cook is a Senior Mortgage Consultant at Omni Fund, Inc. He is well versed in Conventional, FHA, jumbo mortgages and loans for selfemployed borrowers. For more information, visit coloradoloanpro.com or e-mail willc@coloradoloanpro.com. NMLS# 1048392
ASK ANGI
Winter is the perfect time to book carpet cleaning By Paul F. P. Pogue Ask Angi (TNS) Winter can be tough on your carpets, even if you don’t live in a cold area. The hustle and bustle of the holidays bring a lot of traffic through your home, and more activities mean more chances for something spilling and damaging your carpets. And if you do live in a zone with a lot of snow, your carpets will see even more wear and tear as people track in salt and snow. That’s why winter is an ideal time to hire a pro to clean your carpets. You should hire a carpet cleaner about once every 12 to 18 months – and stick with 12 months if you have kids or pets!
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AT HOME COLORADO
Carpet tips It may seem obvious, but frequent vacuuming is a crucial step to keep your carpet in good condition. One thing that’s not so obvious? You should avoid using DIY products to remove stains. Experts say homemade cleaning products can actually do more harm than good. Carpet stain removal can be a tricky chemical balancing act, and that expertise is one of the most valuable things a pro cleaner brings to the table. If you have a serious stain or spill, it’s better to have a pro take care of it sooner rather than later. Mop up what you can with a towel, and then call in help. When hiring, tell your carpet cleaner upfront what specific problems you need them to handle. Kids’ throw up, dog pee and spaghetti stains all call for different
solutions. Your pro can use various techniques to address the issue, but only if they know what to look for You can also help the job go smoothly by clearing furniture and removing breakable items before your pro arrives. Questions to ask Before hiring a pro, make sure you get a quote with details about how they charge for their service. Some pros bill based on square footage, while others charge by the number of rooms they clean. Some may even tack on an extra charge for targeting specific stains. You should also ask how long their technicians have been on the job, and what kinds of certifications they hold. The Institute of Inspection, Cleaning and Restoration Certification
is one of the more prominent certifying organizations and requires workers to complete continuing education to maintain certification. Don’t forget to ask about their cleaning method. Professional cleaners have a variety of tools available to them. Truck-mounted services tend to offer the deepest clean, but if you live in an inaccessible area, they may need to use a portable unit. Most cleaners use either dry-cleaning or hotwater extraction (sometimes called steam cleaning), which have their own pros and cons for various carpet types and situations. One more thing: Carefully check your carpet manufacturer’s documentation when deciding on a cleaning method. Some techniques will void your carpet’s warranty. Visit at angi.com.
BOULDER DAILY CAMERA / LONGMONT TIMES-CALL
19 Years
of Boulder County Gold Awards!
68 Huron Court Boulder 3806 Cedarwood Lane Johnstown 2350 N. Springwood Court New Listing! $800,000 Under Contract $440,000 Under Contract Light filled 3-bed near trails/transportation. Terrific 4bd/4ba in convenient location! Awesome Home in Autumn Ridge. www.68.wkre.com www.3806.wkre.com www.2350.wkre.com Lynne McDougal: 303-947-1557 Debbie Haubert: 303-588-2128 Judy Scott: 303-931-7220
327 Sprucewood Court Under Contract Fix up in Autumn Meadows! www.327.wkre.com Judy Scott: 303-931-7220
Lafayette $600,000
Lafayette $585,000
735 Pearl Street Boulder 2329 Glacier Court Lafayette 4 bed, 3 bath $1,350,000 3 Bed, 4 Bath $1,590,000 Pearl St Townhome! Remodeled 4 bed. Views. New modern custom home in Trail Ridge West. www.2329.wkre.com www.735.wkre.com Paul Calcagno: 303-579-6463 Fred Dodds: 303-898-3586
Thunder Valley Circle Fort Lupton 10443 Isabelle Road Lafayette 5273 Independence Road Boulder Land $180,000-$200,000 Land $1,300,000 Land $4,500,000 Custom home community east of Erie. 20 view acres waiting for your new home. 18.44 Acre Boulder Family Farm Home site! www.thundervalley.wkre.com www.10443.wkre.com www.5273.wkre.com Jim Green: 303-775-2553 Mike Moger: 303-859-4467 Dennis & Jann Culver: 303-618-3366
VIEW THE ENTIRE MARKETPLACE INVENTORY OF LISTINGS ON WKRE.COM BOULDER OFFICE: 303.443.2240 LONGMONT OFFICE: 303.776.3344 wkre.com January 21-22, 2022
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M WT ANT MORE INFORMATION? Check out these great homes and many more at: Check out these homes and many more at:
tinyurl.com/BoCoFeatured -2 12 at nS e Op
PRIME DEVELOPMENT LOCATION 9230 E 168th Ave BRIGHTON $8,280,000, 2 Homes, 207 Acres
12 UNIT APARTMENT BUILDING 1945 Canyon Blvd BOULDER $6,000,000
QUEEN ANNE VICTORIAN 1039 Mapleton Ave BOULDER $3,600,000, 4 Beds, 3 Baths, 2504 SqFt
PRIVATE RETREAT W/ VIEWS 277 Alpine Dr NEDERLAND $1,895,000, 4 Beds, 4 Baths, 3908 SqFt Shannon McGuire 303-475-2297
OPPORTUNITY KNOCKS 420 21st Ave LONGMONT $1,500,000, 1 Level, 7577 SqFt
30 ACRES - FLAGSTONE QUARRY 2463 Steamboat Valley Rd LYONS $1,250,000, 30.67 Acres
CHARMING HORSE PROPERTY 8029 Firethorn Dr LOVELAND $825,000, 5 Beds, 3 Baths, 2464 SqFt
TUCKED AWAY ON 3 ACRES 286 Brook Rd BOULDER $785,000, 3 Beds, 3 Baths, 3020 SqFt
HISTORIC DOWNTOWN GAMING ZONE 127 Main St CENTRAL CITY $750,000, 4275 SqFt
BUILD A LAKEFRONT DREAM HOME 7670 W Grand Ave LITTLETON $675,000, 0.13 Acre
NESTLED ON 1 ACRE LOT 29 Atlantis Dr BLACK HAWK $649,000, 3 Beds, 2 Baths, 1701 SqFt
SOLD TOGETHER OR APART 1525 Spruce St 1A & 1B BOULDER 1,275,000 (together), 3052 SqFt
AMAZING TOWNHOME 641 Ridgeview Dr LOUISVILLE $575,000, 3 Beds, 3 Baths, 2117 SqFt
COOL & SOPHISTICATED 444 17th St 903 DENVER $530,000, 2 Beds, 2 Baths, 1065 SqFt
RARE PIECES OF LAND 1851-1990 Country Dr FREDERICK Prices and Square Feet Vary
PRISTINE MOUNTAIN LAND 0 Moose Dr LYONS $350,000 40 Acres
GREAT SPACE FOR SMALL OFFICE 118 8th St DACONO $324,990, 1980 SqFt
SPECTACULAR VIEWS 1524 Hauck Meadows Dr FREDERICK $250,000, 0.9 Acre
BUILD YOUR DREAM HOME 105 Millionaire Dr E BOULDER $225,000, 5.95 Acres
CHARMING 2 OFFICE CONDO 777 Poplar Ave 765 BOULDER $195,000, 383 SqFt
Boulder 303.499.9880
Downtown Longmont 303.651.3939
Downtown Boulder 303.442.3180
Nederland 303.258.7070
4770 Baseline Rd #220 Boulder, CO 80303
1911 11th St #200 Boulder, CO 80302
10
AT HOME COLORADO
512 4th Ave #101 Longmont, CO 80501
286 N Bridge St Nederland, CO 80466
Lafayette 303.497.0588
109 N Public Rd View these homes online! Lafayette, CO 80026
rem.ax/bocohomes
Louisville 303.666.6500
225 W South Boulder Rd Louisville, CO 80027
Each office independently owned and operated.
BOULDER DAILY CAMERA / LONGMONT TIMES-CALL
THE PATRICK DOLAN TEAM Questions about the real estate market? Our team of knowledgeable experts has the answers! CALL US TODAY: (303) 441-5642
NEW LISTING!
NEW LISTING!
4281 VINCA CT, BOULDER
4189 57 TH ST, BOULDER
5 Beds • 4 Baths • 5,640 SQ FT • Offered at $2,200,000
6 Beds • 5 Baths • 5,800 SQ FT • Offered at $2,195,000
Spaciously updated 2-story home on a large private lot!
Energy-efficient + two separate living spaces and views!
More Photos & Info: patrick-dolan.com/4281-vinca
More Photos & Info: patrick-dolan.com/4189-57th
NEW LISTING!
630 CREE CIR, BOULDER
4 Beds • 3 Baths • 2,826 SQ FT • Offered at $995,000
Updated tri-level in Keewaydin Meadows with views + a large fenced backyard! More At: patrick-dolan.com/630-cree
GET IN TOUCH! January 21-22, 2022
(303) 441-5642
patrick-dolan.com
patrickdolanteam@gmail.com ATHOMECOLORADO.COM
11
REAL ESTATE
6 ways to save more money in 2022
By Matthew Goldberg Bankrate.com (TNS)
most cases, using a credit card for purchases is going to help you save money throughout the year. Credit card companies will often let you apply cash back toward your balance or some may let you directly transfer it to your checking account. There’s more to it than just choosing the right card. Credit card shopping portals are also places where you can potentially maximize your cash back. By going through your credit card’s website or through a site such as Rakuten, formerly known as Ebates, you can potentially earn more than your usual cash back. On a site like Rakuten, you’re earning cash back in addition to what you earn on your cash-back credit card.
Improving your diet and health are common New Year’s resolutions, but improving your financial health should be a priority, too. “What people don’t realize is your finances really affect every part of your life – your relationships, how you feel about yourself,” says Crystal Rau, certified financial planner at Beyond Balanced Financial Planning. “And so, just like going to the gym and feeling better about yourself, focusing on your finances can really do a lot to have a better year.” Here are six ways to save more this year. Automate everything You can’t forget to save if it’s automated. Whether it’s your 401(k) contribution taken pretax from your salary, or automatic transfers from your checking account into a savings account or money market account, automating will help you save without even thinking about it. Lauren Zangardi Haynes, CIMA, certified financial planner at Spark Financial Advisors, says your employer may be able to also split your paycheck so it goes into both your checking account and a
SAVING MADE EASY! greenlightsavings.com
12
AT HOME COLORADO
Improving your savings is likely to improve other key aspects of your life. (Photo: Dreamstime.com/TNS).
savings account. “And then you can automatically transfer that money to an investment account, or to an IRA, or to a Roth IRA,” Zangardi Haynes says. Evaluate your banking Review your savings account to make sure that you’re earning a competitive annual percentage yield (APY). It’s going to be difficult to keep up with inflation. But a high-yield savings account at a competitive bank is your best option for an emergency fund or other cash you might need on short notice. Also, take a look at your checking account. If you’re incurring a monthly maintenance fee for going under a required minimum balance, you should be able to find a way to avoid that – whether through a low minimum balance checking account or by having a recurring direct deposit. Compare savings accounts and checking accounts to make sure you’re maximizing yields and minimizing fees. (You can check out Bankrate’s bank reviews to help you compare banks.) Attack your debt Make paying off debt a priority, if you have any debt. The interest you’re paying on a credit card is likely a lot more than what you’re earning on a savings account.
(Balance transfer cards or ones with zero percent introductory periods are exceptions.) “If you have any credit card debt, you need to pay that off immediately without even considering anything else,” says Amy Hubble, CFA, certified financial planner at Radix Financial LLC. Even though the Federal Reserve slashed the federal funds rate to zero to 0.25 percent, average credit card rates are still very high. The average purchase APR for all credit cards was around 16 percent, according to Bankrate data. Don’t count on credit card rates moving much lower. And they could move higher this year with the Fed planning on raising rates three times in 2022. Paying off your debt and not running a balance are the only sure ways to avoid paying credit card interest. Maximize your cash back When you make your purchases in 2022, make sure you’re being rewarded for them with cash back. Weigh whether you’d be better off earning more cash back with a credit card that has an annual fee but higher cash-back rewards, or a no-annual fee card that has a lower cash-back percentage. Most bank debit cards don’t let you earn cash back. So in
Evaluate your budget The new year is a great time to make sure you’re not overpaying or paying for monthly items that aren’t being used. Go through your budget – or monthly expenses if you don’t have a budget. It’s easy to start a budget – and it can help you maximize your savings. See if there are areas of opportunity, such as cutting back on dining out or on coffee or other spending, that adds up over time. Also, go through your budget and try to renegotiate items, Rau says. “I check our insurance just to make sure we’re still getting the best rate for the coverages that we’re carrying,” Rau says. “It’s just about doing a reset every year, just to make sure you’re getting the best deal and you’re taking advantage of all those things that are offered to you.” Review your employee benefits Even though open enrollment likely already happened for 2022, you may be able to adjust some options – such as how much you contribute to your employersponsored retirement plan, like a 401(k). Adjusting your withholding for taxes or how much you’re putting away for retirement – which may reduce your taxable income – is a way to potentially save money, Rau says. Consult with a tax adviser to make sure that your strategy makes sense to save money on taxes. Visit Bankrate online at bankrate.com.
BOULDER DAILY CAMERA / LONGMONT TIMES-CALL
COVERPROFILE
Landscaping with Colorado Native Plants Conference Registration is now open for the 7th annual Landscaping with Colorado Native Plants Conference!
W
hat’s the buzz
about native plants? Find out at the 7th Annual Landscaping with Colorado Native Plants DERYN Conference! DAVIDSON Experts in horticulture, ecology and landscape design share how to plan, plant and maintain beautiful and biodiverse native landscapes from the ground up. To enable participation statewide, this year’s conference is online. Recordings of the speakers’ presentations will be available for registrants to view after the event as well. The conference runs from 9 a.m. to 4 p.m. on Saturday, Feb. 26. Registered attendees are invited to preview the conference platform prior to the event (links will be distributed by Feb. 23). Register now for this virtual event at pheedloop.com/ LWCNPConference/site/home. Featuring speakers from diverse fields, this year’s Landscaping with Colorado Native Plants Conference offers inspiration and insight to both novice and tenured gardeners. For professionals in the horticulture and design industries, all classes at this conference are eligible for CEUs for Landscape Industry Certified Technician recertification. This year’s keynote speaker, renowned entomologist Dr. Doug Tallamy and author of Nature’s Best Hope outlines a homegrown approach to conservation. Other program topics include merging ecosystem function with landscape aesthetics, growing Castilleja spp. in Colorado gardens, wellbehaved prairie plants, gardens that cater to Colorado birds, and native plant production. The Conference will also showcase the River’s Edge Natural Area Native January 21-22, 2022
Plant Demonstration Garden in Loveland and the 2021 Conference Grant awardee residential and public gardens. “As a gardener, it is a delight to see my fellow horticulturalists working alongside birders, ecologists, entomologists and botanists to encourage the use of native plants in landscapes,” says Jennifer Bousselot, Assistant Professor in Horticulture and Landscape Architecture at Colorado State University. Not only do native plants attract and support imperiled insect and bird populations, they connect people to the land and to the community. The Landscaping with Colorado Native Plants Conference is a collaborative, educational initiative that promotes the inclusion of native plants in our landscaping to benefit pollinators and songbirds, save water, and restore the beauty and health of nature in the places we live, work and play. The Landscaping with Colorado Native Plants Conference is brought to you by a coalition of partners: the Butterfly Pavilion, Colorado State University Extension and the Colorado Native Plant Master Program®, the Colorado Native Plant Society, the Denver Botanic Gardens, the Wild Ones Front Range Chapter, the High Plains Environmental Center and Susan J. Tweit, author and plant ecologist. “Our collaboration of partners, all with a shared mission of conserving native plants and pollinators, have been extremely pleased with the enthusiastic public response,” says Jim Tolstrup, Executive Director of the High Plains Environmental Center. We are seeing a shift in public awareness of the critical role that native plants play in our local food webs and in people’s desire to make an impact. Jim writes, “We need our landscaping to be more than just pretty, we can utilize landscaping as a life raft to save
The Landscaping with Colorado Native Plants Conference is a collaborative, educational initiative that promotes the inclusion of native plants in our landscaping to benefit pollinators and songbirds, save water, and restore the beauty and health of nature in the places we live, work and play. (Image courtesy: CSU Extension).
our dwindling wildlife and share the world that we design and build with them.” We hope to see you there! Deryn Davidson is an Extension Agent – Horticulture at Colorado State University Extension Boulder
County. For more information contact CSU Extension at the Boulder County Fairgrounds, 9595 Nelson Road, Box B, Longmont, 303.678.6386, e-mail ddavidson@ bouldercounty.org or visit boulder. extension.colostate.edu.
FEATURED AGENT MARY ROMANO Blue SkyAlliance Colorado Real Estate Re/Max Coldwell Banker Residential
303-588-8433 homes@maryromano.com Read Mary’s At Home profile at:
http://athomecolorado.com/mary-romano ATHOMECOLORADO.COM
13
Boulder/Longmont Area Real Estate Statistics HOUSE SALES
Year to Date
December 2021 Statistics
Average Sales Price
Sold Listings Location Boulder Erie Lafayette Longmont Louisville Lyons Mountains Niwot Plains Superior Total
Sold Inventory Avg. Sales Listings Price 69 45 $1,557,840 33 11 $722,369 14 10 $755,368 106 75 $683,387 10 2 $940,900 8 6 $885,000 30 28 $885,017 7 1 $1,520,714 37 24 $1,225,101 12 4 $909,728 326 206
Days on Market 42 17 29 33 32 91 28 41 61 31
Median Sales Price $1,350,000 $725,000 $675,000 $589,950 $872,000 $922,500 $835,000 $1,430,000 $995,000 $859,500
Location Boulder Erie Lafayette Longmont Louisville Lyons Mountains Niwot Plains Superior Total
Thru Dec-20 1158 810 407 1,694 255 108 441 79 674 153 5,779
Thru Dec-21 1,259 593 372 1,522 231 120 468 74 558 133 5,330
% Chg 8.7 (26.8) (8.6) (10.2) (9.4) 11.1 6.1 (6.3) (17.2) (13.1)
Thru Dec-20 $1,237,060 $602,616 $671,944 $561,173 $760,992 $597,982 $778,419 $1,265,937 $922,108 $704,259
CONDO & TOWNHOME SALES
Boulder Erie Lafayette Longmont Louisville Lyons Mountains Niwot Plains Superior Total
Days on Market 42 16 32 26 21 0 27 19 41 40
Median Sales Price $500,000 $460,255 $500,000 $394,200 $690,500 $0 $390,000 $420,000 $391,500 $806,073
Location Boulder Erie Lafayette Longmont Louisville Lyons Mountains Niwot Plains Superior Total
Boulder Erie Lafayette Longmont Louisville Lyons Mountains Niwot Plains Superior
Thru Dec-20 51 36 32 44 32 51 73 71 67 25
Thru Dec-21 47 19 31 39 21 46 65 44 51 27
% Chg (7.8) (47.2) (3.1) (11.4) (34.4) (9.8) (11.0) (38.0) (23.9) 8.0
Thru Dec-20 804 95 176 363 117 4 9 25 123 70 1,786
Thru Dec-21 950 111 203 368 90 0 5 19 141 92 1,979
Days on Market
Average Sales Price
Sold Listings Sold Inventory Avg. Sales Listings Price 57 39 $552,956 8 9 $462,617 17 4 $475,061 31 4 $394,361 4 3 $663,500 0 0 $0 1 0 $390,000 2 0 $420,000 7 $412,385 13 8 8 $726,250 141 74
Location
Thru Dec-20 $972,250 $567,413 $612,000 $479,450 $710,000 $593,000 624,500 $1,150,000 $729,950 $655,000
Thru % Chg Dec-21 $1,250,000 28.6 $684,000 20.5 $731,500 19.5 $553,445 15.4 $839,000 18.2 $725,000 22.3 33.1 831,500 $1,284,000 11.7 25.2 $914,139 35.9 $890,000
Year to Date
December 2021 Statistics Location
Median Sales Price
Days on Market
Thru % Chg Dec-21 $1,527,623 23.5 $728,170 20.8 $813,304 21.0 $686,969 22.4 $934,952 22.9 $790,399 32.2 $1,017,610 30.7 $1,442,666 14.0 $1,251,312 35.7 34.2 $945,311
% Chg 18.2 16.8 15.3 1.4 (23.1) (100.0) (44.4) (24.0) 14.6 31.4
Thru Dec-20 $537,173 $343,814 $393,377 $365,215 $483,534 $410,000 $501,111 $321,424 $377,768 $514,543
Thru Dec-21 $572,410 $423,953 $458,753 $406,893 $529,687 $0 $381,580 $325,516 $400,144 $635,912
% Chg
Location
6.6 23.3 16.6 11.4 9.5 (100.0) (23.9) 1.3 5.9 23.6
Boulder Erie Lafayette Longmont Louisville Lyons Mountains Niwot Plains Superior
Thru Dec-20 53 41 40 45 82 110 85 76 56 55
Thru Dec-21 56 25 36 31 52 0 44 26 48 36
Median Sales Price % Chg 5.7 (39.0) (10.0) (31.1) (36.6) (100.0) (48.2) (65.8) (14.3) (34.5)
Thru Dec-20 $457,325 $310,000 $389,950 $350,000 $452,500 $400,000 390,000 $300,000 $357,500 $478,500
Thru Dec-21 $481,000 $418,000 $465,000 $395,000 $483,010 $0 385,000 $311,800 $372,000 $621,636
% Chg 5.2 34.8 19.2 12.9 6.7 (100.0) (1.3) 3.9 4.1 29.9
Data Source: IRES- Information Real Estate Services
It’s not just a home, it’s a lifestyle! THINKING ABOUT SELLING? 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.
Offering 1, 2, and 3 bedroom apartments.
418 Emery St. Longmont • (303) 772-6452 BRAND NEW
Wondering ing what your home is worth in today’ss m market? I offer complimentary consultations ations and home valuations! Call, text, or email today to set an appointment.
Working with home buyers and sellers since 2010!
T Terri Taydus RUNNER UP
A percentage of my annual commission is donated to Blue Sky Bridge in Boulder and ASF Animal Rescue Terri Taydus, AHWD, CNE, CRS, GRI 5120 Williams Fork Trail #113 $325,000 2 Bed 2 Bath 924 SF
Andy Burgess (303) 301.4718 andy@burgessgrouprealty.com
Terri@ColoradoLifestyles.com www.ColoradoLifestyles.com
Compass is a licensed real estate broker in Colorado and abides by Equal Housing Opportunity laws.
14
AT HOME COLORADO
BOULDER DAILY CAMERA / LONGMONT TIMES-CALL
DESIGN RECIPES
Renovation do’s and don’ts By Cathy Hobbs Tribune News Service (TNS)
It’s that time of the year when many homeowners are considering renovating. While sprucing up your home can be exciting, here are some suggestions for prudent ways to approach a renovation, regardless of size. Do’s 1. Do obtain multiple bids. Regardless of whether it’s love at first sight, having multiple bids may help provide peace of mind, knowing that you didn’t overpay for your renovation. 2.
Do ask for previous samples of work or references. This will help ensure that your hired professional has executed similar renovation projects.
Open House // Virtual Tour
LEFT: A studio renovation project mid-construction. RIGHT: The completed renovated studio. (Photo: Handout/TNS).
3.
Do have inspiration images and overall design direction. There is nothing worse than flying blind on a renovation project.
Don’ts 1. Don’t purchase your materials once your project has commenced. Instead try to have fixtures, appliances, etc., preorder to avoid
delays in your project, which will likely increase cost. 2.
Don’t submit change orders, or try to submit as few as possible. Many contractors charge fees relating to changing work orders.
3.
Don’t micromanage. While it is prudent to be on top
of your project, it may be counterproductive to be overly involved. 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.
QUICK GUIDE
VIEW THIS WEEK’S OPEN HOUSES/VIRTUAL TOURS AT: OPENHOMES.ATHOMECOLORADO.COM
LIST YOUR OPEN HOUSE OR VIRTUAL TOUR! Visit OPENHOMES.ATHOMECOLORADO.COM and click “Place a Listing”. For more information, call Thais at 303.473.1456 or Toni at 303.684.5329 January 21-22, 2022
BOULDER
NEDERLAND
2116 Pearl Street, Unit D, Boulder $1,875,000 Open Houses: Friday, 3 to 5 p.m.; Saturday, 1 to 3 p.m.; Sunday 1 to 5 p.m. Marybeth Emerson Colorado Landmark (720) 394-1997
277 Alpine Drive, Nederland $1,895,000 Open House: Saturday, Noon to 2 p.m. Shannon McGuire RE/MAX Alliance (303) 475-2297
GREELEY
558 Cherryridge Drive, Windsor $450,000 Open Houses: Saturday & Sunday 1 to 4 p.m. Terri Johnson RE/MAX of Boulder (303) 589-8180
4311 W. 30th Street Place, Greeley $430,000 Open House: Saturday, 11 a.m. to 1 p.m. Brad Inhulsen Sears Real Estate (970) 584-4144
WINDSOR
ATHOMECOLORADO.COM
15
RECENTLY LISTED HOMES UNDER CONTRACT
UNDER CONTRACT
BOULDER | 4189 57TH STREET
LONGMONT | 804 SUMMER HAWK 8207
BOULDER | 4650 HOLIDAY DRIVE 201
6 BR * 5 BA * 5800 TSF (957317) * $2,195,000
3 BR * 2 BA * 1300 TSF (957333) * $360,000
2 BR * 2 BA * 1123 TSF (957390) * $735,000
UNDER CONTRACT
UNDER CONTRACT
LAFAYETTE | 1546 COTTONWOOD AVENUE
BOULDER | 4281 VINCA COURT
BOULDER | 2116 PEARL STREET E
3 BR * 3 BA * 1852 TSF (957412) * $590,000
5 BR * 4 BA * 5640 TSF (957513) * $2,200,000
3 BR * 3 BA * 1873 TSF (957525) * $1,799,000
BOULDER | 416 PLEASANT STREET
BOULDER | 630 CREE CIRCLE
BOULDER | 895 WAITE DRIVE
3 BR * 2 BA * 1410 TSF (957546) * $1,495,000
4 BR * 3 BA * 2826 TSF (957548) * $995,000
4 BR * 3 BA * 2400 TSF (957622) * $819,000
OUR HOME SEARCH APP is the most accurate available. Free download at app.boulderco.com
2425 Canyon #110 | 1320 Pearl 16
AT HOME COLORADO
303.449.7000 | BoulderCO.com BOULDER DAILY CAMERA / LONGMONT TIMES-CALL