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New type of home equity loan caters to MAJOR RENOVATION PROJECTS

Quick Guide and Featured Virtual Tours

Looking for a home? View comprehensive listings and local open houses and virtual tours taking place across the region. February 13, 2021

2021 Water Year: Dry Forecasted

Low snowpack and a dry spring could mean a summer of drought, impacting local farms. At Home Northern Colorado

How Can I Prevent Indoor Rodent Invasions?

In cold weather, rodents just want to find a warm cozy spot. If you don’t want new pesky roommates, take preventive measures now. ATHOMECOLORADO.COM

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2021 Water Year: Dry forecasted

CONTRIBUTING WRITERS

Sharon Bokan Mary Lynn Bruny Cathy Hobbs Paul F. P. Pogue Ed Del Grande Tom Kalinski ADVERTISING CONSULTANTS

Thais Hafer Toni McNeill Elvonney Poole EDITOR/FEATURES COORDINATOR Misty Kaiser

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At Home welcomes news from the local community on real estate/home tips, events, hirings, advancements, awards, community involvement and other information of interest to the Boulder County and Northern Colorado areas. Submitted items should be non-promotional in tone. Visit AtHomeColorado.com/ Submit-Your-News.

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To advertise in At Home contact Thais Hafer at 303.473.1456, Toni McNeil at 303.684.5329, Elvonney Poole at 551-666-1539 or visit AtHomeColorado.com/Advertise To submit a virtual home listing, visit openhomes.athomecolorado.com

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Adrian Card, Colorado State University Extension in Boulder County It seems the old Chinese adage (curse?) of “may you be born interesting times” continues to play on from 2020 into 2021. Atop COVID-19 business pivots from farmers markets and foodservice accounts to increased CSA and online sales, working outdoors in very smokey conditions last summer/fall, and doing their best to keep farmworkers safe from both, farmers are now staring down a 2021 snowpack in the Indian Peaks portion of the South Platte River watershed that varies from 63-79% of a 30year average (NRCS Colorado Snow Survey for February 5). These conditions run parallel to an extreme drought in the watershed above 7500 feet (US Drought Monitor for February 4, 2021; four categories of drought from D1 – moderate, D2 – severe, D3 – extreme, and D4 - exceptional). Agriculture often deals with multiple challenges but early 2021 is shaping up to be problematic from the perspective of higher temperatures, lower precipitation, and low surface water irrigation supply, the deciding factor for profitability for most farms As a positive for snowpack, NOAA’s Climate Prediction

Center published a one-month outlook for February 2021, showing a 33% chance of above average precipitation. With most of the snowpack contributions deposited in February and March, this is welcomed news. Mind you the 3-month precipitation outlook, presumably for March and April, shows a 33% chance of below average precipitation. Based on the NOAA data, it looks like our chances for increasing the snowpack are mostly in February. And considering the 3-month temperature outlook is about 40% of above normal temperatures, this added factor is not helpful for maintaining snowpack as the irrigation season commences. With extreme drought in the elevations that collect snowpack and deliver runoff into streams, very dry soil will absorb much of the water melted from snow, holding it and preventing streamflow that would occur if the soil started before snows sufficiently saturated. Remember back to 2012? Our last very impactful drought year? Some irrigation canals (ditches) did not carry water. Those north of Hwy 52 struggled to supply farms and ranches. Currently, the February 4 US Drought Monitor shows the plains in a severe drought (D2). The earthen bottom of

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irrigation ditches must be fully saturated with water before they can effectively carry water to farms and ranches. This happens ideally from spring precipitation and not from surface waters released into the irrigation ditch. If the irrigation season starts off with a dry ditch bottom, percolation losses during the first calls for water from farmers can subtract a significant amount of the volume of water sent down the ditch. Similarly, parched field soil requires more water early season to fully wet the soil. Another reason in a scarce water year the hardship of not enough water ripples through the system. Most would be surprised how much water it takes to produce a crop. With the unit of acre-feet as the basis (the volume of 12 inches of water over the area of an acre, 43,560 square feet, equal to 325,851 gallons), some field crops can be partially irrigated and use as little as one acre foot/ acre (corn) to produce a crop, while fully irrigated grass or alfalfa can put three acre feet/acre to work producing abundant, high quality hay. Vegetable crops generally cannot be partially irrigated and mixed vegetable farms use on average nearly two acre feet per acre. As farmers and ranchers are quick to point out, mother nature bats last, and we will have to see if this is another very impactful drought year. For now, the odds are stacked against them for a return to ample irrigation water. Colorado State University Extension, together with Boulder County Parks and Open Space, provides unbiased, research-based information about consumer and family issues, horticulture, natural resources, agriculture and 4-H youth development. For more information contact Colorado State University Extension at the Boulder County Fairgrounds, 9595 Nelson Rd., Box B, Longmont, 303.678.6238, e-mail comeara@ bouldercounty.org or visit ext. colostate.edu/boulder. February 13, 2021

THE LIGHTER SIDE

Valentine’s Day: The holiday I kind of hate, kind of love

BY MARY LYNN BRUNY Like a fair chunk of humanity, I’ve never been a huge fan of Valentine’s Day. It’s not like I had some traumatizing experience in high school on Valentine’s Day or I have been generally unlucky in love. No, I just think it’s kind of dumb. Why do we need Valentine’s Day? If you are a couple, you have an anniversary. We also have birthdays and winter holidays to give presents to show affection. I know there is a historical origin to the holiday, but this doesn’t explain why now on Valentine’s Day at 5:30 p.m. one sees hordes of panicked teenaged to 30-year-old men at grocery stores scrambling to buy wilted red roses or whatever heart-themed crud is left on the shelves, usually garish pink and red teddy bears embroidered with “I wuv you.” So cringe-y. I guess it’s not the love part of the holiday I have trouble with so

much as its over-the-top couplefocused retail aspect. From its humble origins, Valentine’s Day (like Presidents’ and Memorial Days) has been hijacked by marketers who pressure couples (more so the poor men) into proving the level of their love and commitment via extravagant purchases. Singles – many content with being so – are made to feel somehow deficient since they are not part of this collective love fest. Worst, those currently experiencing heartbreak are slung yet another painful arrow through their already hurting hearts. How many of them, like Bridgette Jones (in that classic scene), are crying while listening to “All By Myself” on continuous loop? All that being said, there are several things about Valentine’s Day I really do like. The first

is SweetHearts™ candy, those chalky hearts with silly phrases people either love or think taste like old antacids. They combine two of my favorite things: candy and quippy phrases. I also like giving and getting cards with sweet sentiments. Really, that’s nice any day of the year. And despite my kvetching about stupid purchases, this year we are truly helping our communities when we buy gifts, food and services from our local businesses. In that spirit, even this Valentine’s Day curmudgeon wouldn’t turn down that thingie I want from my favorite store if my husband happened to buy it. (Hint, hint.) But in terms of Valentine’s celebrations, the city of Loveland rocks it. First of all, what a great town name, right? (So much better than Hateland.) My late

father-in-law of Fort Collins used to annually mail Valentine’s Day cards through Loveland to get their postmark, a lovely tradition the town has carried on for 75 years. Quit a feat. Then there are my personal favorites, the red message Hearts Around Downtown the city puts all over. These are so flipping adorable and fun to read. Perhaps best of all, Loveland has turned Valentine’s into a fun festival for everybody with events, entertainment, art installations and of course, since we are in Colorado, a special craft beer (and wine and coffee). This is a Valentine’s Day celebration I can embrace (if I could embrace). Of course, it’s different this year with COVID (what isn’t?), but there’s still fun to be had. So much nicer of a way to spend the day then fighting over the last deranged looking teddy bear at King Soopers. But if you are there you might as well pick up a few boxes of SweetHearts™. You can never get enough of those. For Loveland’s Valentine’s events, see visitlovelandco.org/ valentines-day-in-loveland/. Mary Lynn Bruny writes about local real estate and homerelated topics. Contact her at ml.bruny@comcast.net. To read previous TLS articles, go to athomecolorado.com/the-lighterside/.

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STYLE AT HOME

Bring on spring Katie Laughridge Tribune News Service (TNS) I am thankful to be able to find solace from the outisde wintery mess indoors, where spring has officially sprung. It is so wonderful to be able to escape into a space that invokes sunny thoughts into my day. It reminds me of all the times we have to look forward to in the soon-toarrive season. This week I am highlighting a few ways I like to embrace the start of the new season in my home and at the shop. Refresh your table Sometimes change can be as simple as switching your tablecloth for a new covering or adding a seasonal figurine to your display. This time of year, I love introducing light linens and natural colors to my tables. This leaves you with a fresh canvas on which to add spring when you are ready. I am already breaking out my bunnies and birds to keep my dishes company until we are in full bloom.

Pops of red truly shine with Valentine’s Day soon approaching. (Handout/TNS)

Treat yourself with tulips, or any other faux floral If you don’t have a bud or narrow neck vase, this is your official excuse to get one. It is truly the easiest and most hassle-free way to display stems, especially for those who, like me, spend far too much time trying to arrange flowers into an acceptable arrangement. Your year-round containers like foot baths and ginger jars can benefit from a spruce-up this spring too. Fill them full of hydrangeas, peonies or any spring floral your heart

desires for a fresh and delightful addition to your home. Look toward the holidays Any excuse to bring a theme into my home and I am sold. I love using pops of red year-round, and this hue truly shines with Valentine’s Day soon approaching. Converting your everyday shelf display into a showing of love or creating a small decorative table for two in your dining room can add bunches of personality to your space. I love to have fun with my decorating, and yes, sometimes that means I get a little

Your year-round containers like foot baths and ginger jars can benefit from a spruce-up this spring. (Handout/TNS)

cheesy, especially when it comes to Feb. 14. We could all use a little cheer (and cheese) after such a long and unprecedented winter at home. (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.)

ASK ANGIE’S LIST

How can I prevent indoor rodent invasions? Paul F. P. Pogue Angie’s List (TNS) Rats and mice are mammals, which means they like to find cozy warm places to build their nests and birth and raise their young. They usually create comfortable burrows outdoors, but cold temperatures drive them to find solace in warmer areas. Your home makes an attractive residence if they can get in, and they’re likely to prefer it as a permanent home if they can. The best way to deal with rodent problems is to prevent them from ever getting inside in the first place. However, that can be easier said than done. Rats and mice possess flexible bone structures that allow them to squeeze into incredibly small 4

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cracks and crevices. Rats can maneuver through a hole the size of a quarter, and mice can often get through holes no wider than a pencil! Pipes, power outlets, garage doors, foundation cracks, siding and roofing all offer ideal entry spaces for pests. Carefully inspect your exterior, fill cracks and plug up openings as tightly as possible. You can also head off furry visitors by carefully protecting your food supply and waste. Mice will try to get into boxes of food such as cereal and rice, while rats will gravitate toward trash. You can minimize this by not leaving food out in the open, and storing food in glass or metal jars rather than cardboard or plastic boxes. Take trash out promptly and make sure the lid on the can is

secured. Once rodents get in, though, you’ll need professional help to get rid of them. Pest control companies will begin to address your infestation by finding and sealing all entry points. They’ll also try to figure out where rats are coming from, as infestations often begin in a main lair outdoors or in sewer systems. Most pest control companies deal with rodents using oldschool methods: baits, traps and exclusion. Fumigation is an extreme step and should only be tried as a last resort. You can also take some DIY steps to drive away rats and mice. Cotton balls soaked in peppermint oil, castor oil or citronella oil will irritate their sensitive noses and cause them to seek food and

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shelter elsewhere. Take great caution with overthe-counter solutions. Many rodenticides contain chemicals dangerous to mammals, which means they can harm people or pets. In some cases, if a cat eats a mouse that has been poisoned, it will hurt the cat. You can use a variety of trap options. Spring traps are environmentally friendly and provide a humane death for rodents. Glue traps are effective, but offer a slow and painful death. You can also try live traps, but check them frequently to avoid starving any trapped rodents. Expect to pay between $200 and $600 for a rodent removal job. An extensive infestation that requires multiple visits will be more expensive, possibly more than $1,000. February 13, 2021

DESIGN RECIPES

7 tips for more creative design

A tribal necklace is put on display. (Scott Gabriel Morris)

Cathy Hobbs Tribune News Service (TNS) Sometimes the best ideas are unexpected ones. Surprise elements can often help inspire a creative look. Not sure where to start? Here are seven ideas. 1. Creative shelving ideas From using actual books as shelves to reclaimed wood and even skateboards, a lot of choices can serve as a welcomed break from the traditional. 2. Tropical leaves instead of traditional fake florals Gone are the days where silk

Skateboards on brackets serve as shelving in this creative, bright children’s space. (Scott Gabriel Morris)

or dried flowers are the only artificial options.

5. Metals From hardware to accent pieces, these elements can help add both color and texture.

3. Removable wall stickers or wallpaper Wallpaper remains more popular than ever. Not sure if you want to take the plunge? Opt for removable wall sticker art instead.

6. Decorative elements that enhance architectural features Have a bookcase? Why not add a decorative ladder as a highlight?

4. Global pieces Tribal or global pieces can add interest to a space and serve as a conversation starter.

7. Experimenting with lighting Lighting can be a fun way to infuse character into a space, from chandeliers to wall features.

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(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.)

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COVERPROFILE

New type of home equity loan caters to MAJOR RENOVATION PROJECTS

Jeff Ostrowski Bankrate.com (TNS) Brandon Segal was set to make a substantial addition to his historic house in a Philadelphia suburb, but he wasn’t sure how to pay for it. He didn’t have enough equity to cover the six-figure renovation bill with a home equity line of credit or a cash-out refinance. A construction loan struck Segal as complicated and cumbersome. Segal settled on a home equity loan through RenoFi, a financial technology company that connects homeowners with credit unions willing to loan based on how much a house will be worth after upgrades are completed. 6

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“I like the ability to borrow based on what my appraised value is going to be,” Segal says. RenoFi served as a matchmaker, directing Segal to Ardent Credit Union, a Philadelphia lender. He took a 20-year, fixed-rate loan to pay for a two-story addition to his 1920s home. Home Improvement Takes Off During The Pandemic The coronavirus pandemic has turned home improvement into a national pastime. In one illustration of that trend, the National Association of Home Builders’ remodeling index soared during the pandemic. Home-improvement retailers and

remodeling contractors reported spikes in business. With many Americans working from their home offices, more homeowners have developed a hankering for upgrades to their spaces. Meanwhile, a spike in home prices and a shortage of homes for sale limits the choices available to those who’d traditionally be move-up buyers. The national median price of homes sold by Realtors spiked 12.9 percent from December 2019 to December 2020. Housing inventory fell to a record low, according to the National Association of Realtors. Segal, for his part, loves the house he shares with his wife and their three daughters, but

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the quarters were getting cramped. He found a contractor to add a master bedroom and other living space to the house. Paying for home improvements can pose a challenge, however. A home equity line of credit (HELOC) is one tried-andtrue source of renovation funds. But HELOCs work only for homeowners with significant equity. If you owe $300,000 on your $400,000 property, a bank is unlikely to lend $100,000 through a HELOC. To keep your loan-to-equity level at 80 percent, or $320,000, you’d be able to borrow just $20,000. RenoFi offers a different approach: Homeowners can borrow up to 90 percent of their home’s after-renovation value. The company has partnered with credit unions throughout the country to offer the loans, says Justin Goldman, founder and chief executive of RenoFi. Goldman launched the company after experiencing firsthand the challenges of paying for renovations on an older home. He created RenoFi to fill what he sees as a gap in the market. Goldman found most lenders didn’t offer after-renovation loans, so he began persuading credit unions to add RenoFi home equity loans to their offerings. How RenoFi Loans Work RenoFi loans are second mortgages. In one example, Ardent Credit Union offers 20-year loans at a fixed rate of February 13, 2021

4.25 percent, Goldman says. That’s higher than the rate on a primary mortgage, but it includes the flexibility of allowing homeowners to borrow against yet-to-be-created value. Borrowers pay for an appraisal that establishes the home’s value after renovation. The appraiser looks at the proposed construction plan and determines by how much the work will boost the property’s market value. The typical RenoFi customer borrows $150,000, Goldman says. At that amount, a 20-year loan with a 4.25 percent interest rate carries a monthly payment of $929. Goldman says RenoFi’s loans also appeal to homeowners who recently locked in loans at rockbottom levels and don’t want to do a cash-out refinance to pay for improvements. “If you’ve taken advantage of a low rate and refinanced, you’re going to have to pay all those closing costs again,” Goldman says. That situation applied to

Segal, the Philadelphia-area homeowner. He had recently refinanced and didn’t want to do so again. “We have a great rate on our current mortgage, and we didn’t want to touch that,” he says. To land a RenoFi loan, the borrower pays for the afterrenovation appraisal, which typically costs $100 to $200 more than a standard appraisal, Goldman says. Beyond that, closing costs typically range between $95 and $500. “Credit unions’ closing costs are typically lower than a traditional bank, so in the end, it’s still cheaper for the homeowner,” Goldman says. Other Ways To Pay For Home Improvements RenoFi’s loans are one of several options for homeowners looking to renovate. Among the others: Home equity lines of credit. HELOCs come with one

significant caveat: To borrow against your house, you must have plenty of home equity. Before considering a HELOC, make sure the value of your home is significantly higher than the amount you still owe on your mortgage. HELOCs usually close quickly and carry variable interest rates. Home equity loans. Essentially a second mortgage, a home equity loan comes with a fixed interest rate. As with a HELOC, you’ll need sufficient equity. FHA 203(k) loans. This type of loan lets you borrow against the value of the home after improvements. FHA loans are lenient about down payments and credit scores, but they charge higher mortgage insurance fees than other types of loans. Cash-out refinance. In this scenario, you borrow more than you owe on your

existing mortgage and apply the proceeds to renovations. This requires equity in your home. Construction loan. A home construction loan is a short-term, higher-interest loan that provides the cash to pay the contractors. The property owner typically needs a longerterm mortgage after the work is completed. Selling a stake in your home. A new breed of financial technology firms is pitching American homeowners on a different way of tapping into home equity. If you’re sitting on a pile of it, these companies — including Haus, Hometap, Noah, Point and Unison — will buy a piece of your house. You repay the “co-investment” when you sell. One downside: This money comes at a higher cost than a mortgage or HELOC. (Visit Bankrate online at bankrate.com.)

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HOME IMPROVEMENT

Fixing that Leaky Faucet

MENARDS— Fixing a leaky faucet may not be as difficult as you might think. For most faucets it’s usually a simple fix and can take less than an hour. Faucets are an important part of your home but can be annoying when they start dripping. TOOLS YOU MAY NEED • Screwdriver • Slip-joint pliers • Penetrating oil • Allen Wrench, depending on the faucet • Depending on the faucet and the type of issue it has, you may need other items. You might also consider purchasing a new faucet as they come in different price points, styles, models or it may just be time to get a new one.

HOW TO STOP THAT DRIP STEP ONE You will first want to shut off your water supply. If your house does not have shutoffs for individual fixtures, you will need to shut off the main supply.

what may be worn or broken. This could be as simple as a washer or an O-ring, or be a little larger like a cartridge. STEP FIVE

STEP TWO Assess your faucet. Where is the leak coming from and what type of faucet is it? Is the leak coming from the base or the spout? Disassemble the faucet where the leak comes from. There are many different types of faucets and different parts based on the faucet type. There are one-handle, two-handle, pull-out, pull-down, just to name a few.

Make sure that the faucet is clean before reassembling. Inspect the pieces or holes in the faucet and clean them out if they are clogged or dirty, and then you can reassemble the faucet.

SAVES YOU MONEY! In the end, by investing some time to fix this problem, you wind up saving money.

STEP THREE Disassemble the faucet. Use your Allen wrench, screwdriver and/or your slip-joint pliers to get to where the problem is with the faucet.

A small leak could waste anywhere from a few gallons of water to hundreds of gallons over the course of a year.

STEP FOUR Once you have found the problem, replace

For more information on home improvement topics visit menards.com.

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REAL ESTATE

Home Appreciation Outpacing Capital Gains Exclusion

BY DUANE DUGGAN

Realtor and Author RE/MAX of Boulder

The 1997 Taxpay Relief Act allowed for a $250,000 capital gains exclusion for a single person and $500,000 for a married couple when a personal residence was sold. The caveat was that the homeowner needed to live in the home for the last two out of five years in order for the exclusion to apply. In 1997, that seemed like a

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lot of money. In 1997, the average price for a home in Boulder County was about $200,000. Today the average price for a home in the county is $624,000. Within the City of Boulder, the average price is over $1 million.

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The capital gains exclusion has not been increased in 24 years. When the law was enacted, it meant there would not be a capital gains tax bill for most American homeowners when they sold their homes. That might still be true in some markets, but in Boulder County and especially in the City of Boulder, home price appreciation has outpaced tax relief -- and there does not appear to be an increase in tax relief on the horizon. As a result of the huge gap between price appreciation and tax relief, it is now more important than ever for homeowners to keep an excellent record of capital expenditures spent on their homes. The reason is that capital expenditures add to the tax basis of the home, thereby reducing the final tax liability. Here is an example of how it works. Let’s say a single person bought a home for $350,000. When that person decides to sell the home, due to price appreciation, the home sells for $700,000. $250,000 of the gain will be exempt with no taxes due, but the other $100,000 will be taxed at the long-term capital gains tax rate of 15%. The taxes in this example would be $15,000. There are other additions and subtractions to the tax basis, but they are not discussed in this example for the sake of simplicity. Your income can change the capital gains tax rate that applies to you. The 15%

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rate applies to income levels from $40,001 to $441,450. Using the above example, if the homeowner applied $100,000 in documented and verifiable capital improvements to the home, the tax basis would increase from $350,000 to $450,000. The total gain would be $250,000, which is equal to the amount excluded for a single person. In this case, no capital gains taxes would be due. Every homeowner should keep a record with receipts and photos of all home improvements to document and verify that the improvements were actually done. When it comes time to sell the home, the homeowner should meet with a tax professional and determine which items actually qualify to add to the tax basis. Some items will be considered as repairs and will not be added to the tax basis. In general, a repair is considered to be maintenance of an existing item, such as, simple plumbing repairs, replacing a broken window, or putting Freon in an air conditioner. A capital improvement, however, would be something that adds value to the home or extends the life of the home. Examples include adding square footage to the home, replacing all windows, adding a new roof or new furnace. There are other expenses at time of sale that could reduce the tax liability. Those could include brokerage fees, fix-up to sell expenses, and other costs of sale. If you are thinking of selling, and your capital gain is likely to be above the $250,000 and $500,000 limits mentioned above, be sure to consult your REALTOR® and a tax professional before signing a contract to sell. Duane has been a Realtor for RE/MAX of Boulder since 1982. 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. February 13, 2021

Total Market Overview

Greeley-area key metrics by report month and for year-to-date (YTD) starting from the first of the year

Key Metrics

Historical Sparkbars

New Listings 9-2019

1-2020

5-2020

9-2020

1-2021

9-2019

1-2020

5-2020

9-2020

1-2021

9-2019

1-2020

5-2020

9-2020

1-2021

9-2019

1-2020

5-2020

9-2020

1-2021

9-2019

1-2020

5-2020

9-2020

1-2021

9-2019

1-2020

5-2020

9-2020

1-2021

9-2019

1-2020

5-2020

9-2020

1-2021

9-2019

1-2020

5-2020

9-2020

1-2021

Pending / Under Contract Sold Listings Median Sales Price Average Sales Price Pct. of List Price Received Days on Market Affordability Index Active Listings 9-2019

1-2020

5-2020

9-2020

1-2021

9-2019

1-2020

5-2020

9-2020

1-2021

Months Supply

Sold Listings

3,111 7

141

1,325

1-2020

2,905 1,175

1,034

1,729

890

- 38.3%

- 22.0%

- 6.6%

+ 47.1%

+ 27.0%

$100K to $199K

$200K to $299K

$300K to $399K

$400K to $499K

$500K to $699K

1-2020 10 95 956 2,950 1,155 698 169 46 3 6,082

1-2021 6 57 698 2,658 1,709 883 237 67 7 6,322

Change - 40.0% - 40.0% - 27.0% - 9.9% + 48.0% + 26.5% + 40.2% + 45.7% + 133.3% + 3.9%

1-2020 1 46 369 161 20 3 0 0 0 600

1-2021 1 30 336 247 20 7 0 0 0 641

Inventory of Active Listings By Price Range – All Properties

1-2020

506

- 15.0%

595

506

- 15.0%

552

591

+ 7.1%

552

591

+ 7.1%

375

405

+ 8.0%

375

405

+ 8.0%

$352,500

$400,000

+ 13.5%

$352,500

$400,000

+ 13.5%

$388,410

$440,089

+ 13.3%

$388,410

$440,089

+ 13.3%

99.0%

100.3%

+ 1.3%

99.0%

100.3%

+ 1.3%

- 9.0%

106

100

- 5.7%

106

100

- 5.7%

976

546

- 44.1%

1.8

0.9

- 50.0%

169

237

$700K to $999K

12-2020 1 2 65 210 162 89 17 6 1 553

121

+ 133.3%

+ 3.9%

+ 6.8%

+ 4.2%

$2.0M+

Singe Family

Townhouse-Condo

All Properties

1-2021 0 3 29 126 116 55 22 9 1 361

Change - 100.0% + 50.0% - 55.4% - 40.0% - 28.4% - 38.2% + 29.4% + 50.0% 0.0% - 34.7%

12-2020 0 3 28 21 0 0 0 0 0 52

1-2021 0 3 23 15 3 0 0 0 0 44

Year to Date Single Family Change -0.0% - 17.9% - 28.6% ------ 15.4%

1-2020 0 6 56 162 66 41 13 2 0 346

1-2021 0 3 29 126 116 55 22 9 1 361

160

891 39

- 16.7%

- 80.9%

- 66.2%

- 39.8%

- 50.6%

- 37.1%

- 19.4%

- 14.3%

- 44.9%

$200K to $299K

$300K to $399K

$400K to $499K

$500K to $699K

$700K to $999K

$1.0M to $2.0M

$2.0M+

Singe Family

Year over Year

February 13, 2021

Change + 18.6% - 6.5% - 80.0% - 74.9% - 42.0% - 54.4% - 37.1% - 19.4% - 14.3% - 44.9%

Compared to Prior Month Single Family Condo

Condo 1-2020 2 5 29 48 1 0 0 0 0 85

1-2021 2 1 5 36 5 6 0 0 0 55

1-2020 0 3 19 6 1 0 0 0 0 29

Change 0.0% - 80.0% - 82.8% - 25.0% + 400.0% ----- 35.3%

12-2020 132 34 34 87 165 95 42 29 6 624

1-2021 134 29 12 57 116 73 39 25 6 491

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Change + 1.5% - 14.7% - 64.7% - 34.5% - 29.7% - 23.2% - 7.1% - 13.8% 0.0% - 21.3%

12-2020 2 1 11 42 5 3 0 0 0 64

1-2021 2 1 5 36 5 6 0 0 0 55

1-2020

1-2021 0 3 23 15 3 0 0 0 0 44

Change -0.0% + 21.1% + 150.0% + 200.0% ----+ 51.7%

1-2021

976

491

$100K to $199K

1-2021 134 29 12 57 116 73 39 25 6 491

Condo

Change -- 50.0% - 48.2% - 22.2% + 75.8% + 34.1% + 69.2% + 350.0% -+ 4.3%

A measure of the number of homes available for sale at a given time.

< $100K

1-2020 113 31 60 227 200 160 62 31 7 891

6,963

+ 45.7%

By Property Type

201

Single Family

6,682 641

$1.0M to $2.0M

+ 18.3%

By Price Range $99,999 and Below $100,000 to $199,999 $200,000 to $299,999 $300,000 to $399,999 $400,000 to $499,999 $500,000 to $699,999 $700,000 to $999,999 $1,000,000 to $1,999,999 $2,000,000 and Above All Price Ranges

Percent Change

1-2021

6,322 600

Compared to Prior Month Single Family Condo Change 0.0% - 34.8% - 8.9% + 53.4% 0.0% + 133.3% ---+ 6.8%

1-2020

1-2021

275 36

YTD-2020 YTD-2021

By Property Type

+ 40.2%

Rolling 12 Months Single Family Condo

136

595

6,082 701

< $100K

115

Percent Change

1-2021

- 36.4%

1-2021

Actual sales that have closed in a given month.

By Price Range – All Properties – Rolling 12 Months

1-2020

55 - 35.3%

Townhouse-Condo

546

- 44.1% All Properties

Year to Date Single Family Change 0.0% 0.0% - 54.5% - 14.3% 0.0% + 100.0% ---- 14.1%

Condo

There are no year-to-date figures for inventory because it is simply a snapshot frozen in time at the end of each month. It does not add up over a period of months.

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REAL ESTATE MATTERS

A discussion about mortgage payments and real estate taxes Ilyce Glink and Samuel J. Tamkin, Tribune Content Agency

: I have a question about what happens to your real estate taxes when you pay off your mortgage. When you have a mortgage, the payment to the lender includes real estate taxes and insurance. Once you pay off your loan, how do taxes get paid? Is it better to pay off your loan or keep a loan so that the taxes keep getting paid? Do property taxes rise when you pay off your loan?

: You’ve asked some important questions, although we think you might be a bit confused about how your real estate tax and mortgage escrow accounts work. Let’s start with a basic fact: Whether you carry a mortgage on your property has no impact on what you pay in real estate taxes.

Your real estate taxes should be based on the actual value of the home or what your local taxing authority believes your home is worth. Let’s say you purchased your home for $300,000. The taxing authority might base your real estate taxes on your purchase price or may have some other formula for determining the value of your home. Once it has determined that value, the taxing authority sets the amount of taxes you must pay based on a complicated formula. For our example, if the local taxing body says that your taxes are $3,000 per year, that’s the amount you are legally obligated to pay, regardless of whether you are currently paying off a mortgage or not. For most homeowners with a mortgage, the lender requires the homeowner to pay monthly into escrow a sum equal to (or a little higher) than the expected amount

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of real estate taxes and the current homeowner insurance premium. If your real estate property tax bill is $3,000 per year, the lender will set the monthly amount you pay into the escrow account at $250. If your homeowners insurance policy is $1,200 per year, the lender will want you to pay an additional $100 per month to cover future insurance premiums. In addition, the lender may require you to put in an additional amount, typically limited to two months’ worth of insurance premiums and your total real estate tax bill, in case the bills come in higher than expected. Whatever the sums are, they’re added to your monthly mortgage payment. When the lender’s servicer receives the payments, the amount due to the tax and insurance escrow are separated out and when those bills come due, the lender will pay them. The primary reason your lender holds these funds is to make sure these two bills are paid on time so the insurance policy doesn’t lapse and your home isn’t sold for back taxes. Having said that, when you pay off your mortgage your lender no longer has the obligation to pay your real estate taxes and homeowners insurance premium. From the day you pay off your loan, you must take on the obligation to pay these bills yourself -- on time and in full.

If it’s too much to write those checks once or twice a year, when they come due, you can set up your own escrow account, and deposit one-twelfth of the amount due each month into the account. Since your mortgage will be paid off, it will hopefully be easier to come up with the funds, and then remember to pay the bill. (Check with your tax assessor’s office to make sure your home address is on the tax bill, so you are sure to receive it.) The way real estate usually works, as you pay down your mortgage, your real estate tax bill will continue to rise. Recently, we found a tax bill from around 25 years ago that was about one-fifth of our current tax bill. Hopefully, your income over the decades will continue to increase so that paying a heftier tax bill won’t be too much of a burden. (Ilyce Glink is the author of “100 Questions Every First-Time Home Buyer Should Ask” (4th Edition). She is also the CEO of Best Money Moves, an app that employers provide to employees to measure and dial down financial stress. Samuel J. Tamkin is a Chicago-based real estate attorney. Contact Ilyce and Sam through their website, bestmoneymoves. com.) (C)2021 Ilyce R. Glink and Samuel J. Tamkin. Distributed by Tribune Content Agency, LLC.

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At Home Northern Colorado

February 13, 2021

REAL ESTATE TRANSACTIONS

The following Northern Colorado home sales were supplied by Colorado Weekly Homebuyers List Inc., 303-744-2020. Listed are the buyer, the property address, the seller and the amount.

Ault • John Pearson -- 24560 Carlin St., Mark and Emily Sallee, $306,000. Berthoud • James and Evangelina Hinojos -2714 Center Park Way, Richfield Homes LLC, $289,200. • James and Evangelina Hinojos -2710 Center Park Way, Richfield Homes LLC, $296,200. • Marty and Ronald Neilson -- 1035 6th St., Leeanne Marie Weber, $315,000. • David and Kelsey Rohrer -- 1221 Elm Drive, Darla and Shawn Flores, $337,000. • Matthew Seigler -- 2823 Red Wheat Lane, Jonathon Rivas, $420,000. • Judith Oshea -- 1257 Westport Ave., Melody Homes Inc, $437,000. • Jake Forsyth -- 1228 Tipton St., Aspen View Homes LLC,

$470,900. • Cory and Emmy Ticnor -- 2196 Cadman St., Aspen View Homes LLC, $485,000. • Derek Martinez -- 2446 Likens Drive, Michael and Shikima Gibbons, $515,000. • Georgia Hallyburton -- 1600 Mount Meeker Ave., Reach LLC, $540,000. • Joshua and Kristin Lindenstein -- 5000 Gary Drive, Christian and Katheri Anderson, $699,000. Eaton • Erik and Megan Blaser -- 235 Walnut Ave., Levi and Whitney Gebauer, $434,500. Evans • Ashley Mcdonald -- 510 Lucca Drive, Leena Alsalem, $220,000. • Christopher Douglas -- 3605 Stampede Court, Cody and Carey Vaughn, $305,000. • Joseph Benavidez -- 2806 Coronado Bay, Philip J Wagner, $318,000. • Robert Shepherd -- 3516 Marigold St., Parrish Group LLC, $332,500. • Blanca and Maria Orozco -- 3006 Hawk Drive, Danielle Paige Head, $335,000. • Julia and Donald Meyer -- 3915 28th Ave., Jedidiah and Ashley Gooras, $336,000. • Katherine Cowles -- 4409 Dante St., Haven K Richardson,

$385,000. Fort Lupton • Benjamin Cardona -- 906 Dogwood Ave., Zachary J Rojo, $295,000. • Jose Cardenas -- 15339 Nancy Ave., Judith K Svendson, $352,900. • Vincent Longo -- 1868 Homestead Drive, Century Coyote Creek LLC, $364,600. Greeley • Kane Reganremmick -- 5151 29th St. Unit 2311, Teddy M Vestal, $200,000. • Lindsy Smith -- 500 7th St., Laura E Stening, $229,900. • Leonard Zamora -- 4511 Coronado St., Deydamia Granados, $235,000. • Andrew Hess -- 5775 29th St. Unit 1103, Robert and Tonya Malcom, $240,000. • Hugo Cano -- 1118 5th St., 1118 5th St Revocable Trust, $245,000. • Alfonso Chacon -- 323 26th Ave., Nathanael and Jessic Montesano, $256,000. • Peter Starnes -- 1008 49th Ave. Court, Camille Ducios, $285,000. • Derek and Stephanie Boulton -4355 24th St. Road Unit 402, Tru Grit Noco LLC, $310,900. • Robert and Elisa Sanchez -- 14493 Highway 392, Raymond L Hoff-

man, $312,500. • Derek and Stephanie Boulton -4355 24th St. Road Unit 403, Tru Grit Noco LLC, $315,900. • Derek and Stephanie Boulton -4355 24th St. Road Unit 401, Tru Grit Noco LLC, $315,900. • Cody Cook -- 3400 18th St., James and Leslie House, $318,500. • Librado and Leticia Leticia -- 2305 46th Ave. Court Unit D, Anne M Jackson, $325,000. • Jacob Pfeifer -- 1411 28th St. Road, Tara Stradley, $328,000. • Alberto Rios -- 2326 76th Ave. Court, Timothy Stcin, $340,000. • Salvador Gomez -- 8416 W 17th St. Road, Luke Gray, $376,500. • Ruben and Eglantina Martinez -225 Dundee Ave. Unit 21, William and Loreen Self, $469,000. Hudson • Mary Cilurso -- 641 Dahlia St., Bonnie and Bonnie Ball, $270,000. Johnstown • Patricia Coe -- 1833 Laurus Lane, Warren and Carol Scott, $295,000. • Jesse Hazel -- 1218 Country Acres Court, Kevin R Herman, $338,000. • Naomi Zuniga -- 2021 Parkwood Drive, Julian Holm, $385,000. • Jacob and Sara Murphy -- 3612

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Idlewood Lane, Robert Warner, $399,000. • David Huber -- 116 Muscovey Lane, Steven and Stephanie Milton, $561,000. • Shane Oene -- 4750 Sorrel Lane, Lotts LLC, $700,000. Keenesburg • Carlos Chanez -- 405 Evans Ave., Lgi Homes Colo LLC, $322,900. • Scott Choka -- 407 Depot Ave., Lgi Homes Colo LLC, $337,900. • Jessica Koehler -- 20 Johnson Circle, Distinct Bldg Design Corp, $353,800. • Fred and Karleen Corwin -- 409 Depot Ave., Lgi Homes Colo LLC, $355,900. • Martin and Crystal Vedder -- 401 Evans Ave., Lgi Homes Colo LLC, $391,900. La Salle • Ray and Ray Lucero -- 106 Ley Drive, Maritza and Martin Rosales, $330,000. • Sergio and Ivon Vazquez -- 222 Main St., Carol L Williams, $390,000. Loveland • Austin Hein -- 230 Carina Circle Unit 102, Matthew Wayne Neiberger, $273,500. • James Hillis -- 616 Chestnut Drive, Arnold J Hopkins, $337,000. • Elizabeth Kent -- 2307 W 44th St., Robert L Wold, $344,000. • Alexandra Nelson -- 3155 Sally Ann Drive, Joe and Janet Casias, $345,000. • Andrew Brooks -- 743 Aster Place, Megan D Everett, $345,000. • Elizabeth Ballenski -- 803 E 8th St., Jed and Kimberley Trotter, $350,000. • Jonathan Ross -- 1685 10th St. Sw, Sph Property Two LLC, $357,500. • Daniel Swearingen -- 271 E 40th St., A M Properties LLC, $360,000. • Kenneth Paradis -- 1925 Sunshine Peak Drive, Twin Lakes Devl LLC, $385,000. • Cory and Sarah Nickell -- 1748 Twin Lakes Circle, Jeff and Shawnee Durant, $390,000. • Jason Smith -- 3105 Aries Drive, Erin and Julie Shores, $405,000. • Conny Cassity -- 2329 Farisita

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Drive, Paul Senso, $410,000. • Damian Johansen -- 1089 Cygnus Drive, Becky Briles, $419,000. • Kathleen Wortell -- 4146 Mariana Butte Drive, Derek and Jennifer Stern, $445,000. • Dennis Humphries -- 539 E 7th St., Gs White Family LLC, $500,500. • Grace Levin -- 3680 Prickly Pear Drive, Custom On Site Bldrs Inc, $527,600. • Amelia and Kurt Olschner -- 3950 N County Road 27, Victor Ghaleb Issa, $655,000. Milliken • Tyler Turk -- 1101 Fairacres Lane, Rickey and Pam Cleveland, $332,000. • Geoffrey Tollefson -- 237 S Ursula Ave., Bradley R Thompson, $367,000. • Joseph and Judith Macdonald -- 320 E Holly St., Richard and Shelby Machesney, $375,000. • Amanda Clark -- 90 E Holly St., Lesli and David Starr, $384,900. • Jordan Deroo -- 1957 Bobby Drive, Jahn and Kristin Clark, $490,000. Pierce • Demetrio and Sherina Loera -707 4th St., Damaso and Deirdra Garcia, $298,700. • Jason Fixsel -- 45019 County Road 33, Schroeders All Am Homes Inc, $535,000. Platteville • Jailine Martinezlara -- 1703 Bella Vista Drive, Jennifer and Michael Mattson, $293,000. Severance • Nathan and Katarzyna Dewey -- 925 Barasingha St., Journey Homes LLC, $368,200. • Sasha and Jesse Morrison -- 920 Barasingha St., Journey Homes LLC, $369,700. • Vincent and Cathleen Cirasole -- 1212 Muskox St., J J Constr Northern Colo LLC, $386,400. • Steven Cisneros -- 1176 Bowen Pass St., Aspen View Homes LLC, $412,500. • Michael and Josie Oliver -- 1189 Green Mountain Road, Aspen View Homes LLC, $424,000. • Tanner Zintgraff -- 1423 Mer-

riams Drive, Journey Homes LLC, $480,000. • Tyler and Aubrey Brown -- 1024 Urial Drive, Aspen View Homes LLC, $515,600. • Robert Tickler -- 1412 Coues Deer Drive, Journey Homes LLC, $520,600. • Luis Montenegro -- 1440 Markhor Drive, Journey Homes LLC, $528,000. • Warren Diggles -- 191 Sloane Lake Drive, Bluestone Homes Colo LLC, $574,500. • Austin and Mariah Swafford -5049 Prairie Lark Lane, Dynamic Homes Colo Inc, $702,900. Timnath • Dalton Noren -- 6589 Pebble Path Court, Cb Signature Homes LLC, $440,500. • Michael Candelaria -- 5093 Autumn Leaf Drive, Timnath Ranch Townhomes LLC, $468,300. • Marius Hoffman -- 4893 Oakley Drive, Hartford Constr LLC, $483,400. • Emily and Jason Sieg -- 5242 Homeward Court, Saint Aubyn Homes LLC, $680,000. • Trevor and Elise Abbey -- 6629 Pebble Path Court, Cb Signature Homes LLC, $751,000. • William and Cynthia Gedge -- 6796 Clovis Court, Graciela Lucero, $1,050,000. Windsor • Robert and Renee Onori -- 1953 Blossom Grove Drive, Raindance Devl LLC, $303,000. • Nicholas and Sarah Trupiano -1091 Mahogany Way, Jeffrey and Kathryn Orsburn, $357,000. • David Moreno -- 1959 Thunder Cloud Drive, Journey Homes LLC, $358,700. • Thomas Ponder -- 1832 Golden Horizon Drive, Journey Homes LLC, $364,300. • Daniel Foos -- 1833 Golden Horizon Drive, Journey Homes LLC, $383,900. • John and Megan Lopez -- 1983 Thunder Cloud Drive, Journey Homes LLC, $386,500. • Mathew and Mackenzie Lang -- 949 Durum Court, Lindsey and Mary Whitney, $405,000.

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• Deng Josephdeciman -- 1820 Covered Bridge Parkway, Journey Homes LLC, $408,600. • Leevan and Danielle Sands -- 1869 Tinker Drive, Richmond Am Homes Colo Inc, $409,100. • Rachel and Camron Espinoza -- 275 Redmond Drive, Windmill Homes Co, $411,600. • Michael Doucet -- 1827 Sunset Vista Drive, J J Constr Northern Colo LLC, $411,800. • Marc and Bonny Schlomer -- 1109 Basin Court, Gregory and Mckenzie Johnson, $420,000. • Jordan and Kyle Bobst -- 2014 Bouquet Drive, Melody Homes Inc, $421,000. • Haven and Laura Richardson -- 1797 Twilight Glow Drive, J J Constr Northern Colo LLC, $430,600. • Lynne Gugenheim -- 1821 Sunset Vista Drive, J J Constr Northern Colo LLC, $431,600. • Charles Andersen -- 1873 Paley Drive, Richmond Am Homes Colo Inc, $435,000. • Gerard and Kylee Wilson -- 285 Redmond Drive, Windmill Homes Co, $438,100. • Andrew Buckley -- 1998 Orchard Bloom Drive, Bridgewater Homes LLC, $495,400. • Kenneth and Mary Ash -- 2033 Vineyard Drive, Jonathan Don Hockhalter, $550,000. • Alan Detmer -- 366 Baja Drive, Nei Global Relocation Co, $610,000. • Steven and Kelsey Gray -- 1505 Cherry Grove Court, Bridgewater Homes LLC, $623,900. • William and Tracy Pegg -- 1993 Reliance Drive, Bridgewater Homes LLC, $680,400. • Dennis Spear -- 8010 Cherry Blossom Drive, Raymond and Debra Jenkins, $740,000. • Julie Noffsinger -- 1989 Orchard Bloom Drive, Bridgewater Homes LLC, $751,000. • Richard and Emily Denney -- 6334 Sanctuary Drive, Marc and Kelli Rogers, $1,257,500.

February 13, 2021

SAVE THE DATE!

MARCH 12 – APRIL 30 E D U C AT I O N

•

I N S P I R AT I O N

•

DISCOVERY

The 2021 Northern Colorado Home & Garden Show is the perfect place for inspiration and education for any and all of your home needs. Local experts in home renovation, landscaping and design have showcased their expertise at this event for the past 38 years. Come join us for our virtual show and get new ideas for your home!

Now Accepting Sponsors & Virtual Booth Reservations! A ROBUST, SAFE & CONVENIENT EXPERIENCE

GUARANTEED TO DRAW THOUSANDS OF SHOPPERS

Valuable content and sweepstakes will entice consumers to visit your booth and make repeat visits.

The Home & Garden Show will be vigorously promoted through digital and social marketing channels as well as in the Greeley Tribune, GT Weekly,

• Your virtual booth will feature image galleries, brochures for download, videos, show-only specials, social media links, live Twitter feeds, leads capture contact form, exhibitor-provided contest entry forms and more.

MyWindsor, Loveland Reporter-Herald, Loveland Weekly, Estes Park-Trail

• Exhibitor offers and incentives will be promoted from the home page with links to your virtual booth.

more than 3 million impressions during the seven-week event.

• $1,500 Sweepstakes … winner receives a voucher to be redeemed at a participating Home & Garden Show exhibitor.

In addition to advertising the Home & Garden Show, sponsors and exhibitors

• Show goers will find home-related inspiration … including exhibitor provided videos, tips and advice from the pros and DIY projects.

Gazette, NoCo Life Magazine, Longmont Magazine, Longmont Times-Call, Boulder Daily Camera, Broomfield Enterprise and Colorado Hometown Weekly. The campaign will highlight sponsors and exhibitors, and will deliver

will receive up to 700,000 additional impressions in the weekly AtHome Colorado tabs (Boulder County zone publishes in the Daily Camera and Longmont Times-Call; the Northern Colorado zone publishes in the Greeley Tribune and Loveland Reporter-Herald.

RESERVE YOUR BOOTH BY FEBRUARY 24 Weld & Larimer Counties: Contact Lindsay Haines, 970.392.5637, lhaines@greeleytribune.com Boulder & Broomfield Counties: Contact Jill Stravolemos, 303.473.1420, jill@dailycamera.com February 13, 2021

At Home Northern Colorado

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20 acres, pond, water rights, new septic system and outbuildings. Solid 3-bedroom home.

Industrial unit in Lyons. 3310 sq ft and a deck on 2nd level. Includes a bathroom and kitchen.

When writing a real estate contract too many of us simply check the box deleting the standard exceptions (giving the Buyer “owner’s extended coverage”) then think no more of it until closing. In layman’s terms these relate to parties in possession, unrecorded easements, survey matters, unrecorded mechanics’ liens, unrecorded mineral interests, unpaid taxes, and the ‘gap period’. The Buyer gets much protection, but what about the Seller? There are some risks. Since any issue arising after the effective date of the title commitment would be unknown to the title insurance company, they may seek retribution from the seller. For instance, mechanic’s liens proliferated during the 2008 recession, leaving the title companies in the lurch. If you are selling a complicated property, get some advice from an attorney.

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February 13, 2021