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Home Prices Are Rising Faster Than Your Down Payment Fund: What to Do

Homeowner Wealth vs. Renter Wealth

If you’re trying to buy in today’s market, you may ﬁnd your down payment to be a bit short. Ever rising prices may have you worried, but there are options to proceed.

To rent or to buy? While there are pros and cons to each, if you’re looking to build wealth, buying might be your best bet.

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COLORADO HOME AND REAL ESTATE

CONTRIBUTING WRITERS

Arianne Cohen Cathy Hobbs Kiersten Willis Zach Wichter Paul F. P. Pogue Ed Del Grande Duane Duggan Adrian Card

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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REAL ESTATE

Where should I live? 9 questions with a housing economist Arianne Cohen, Q: Does this Rate.com (TNS) advice apply to Our favorite LGBTQ people? housing economist A: The research — yes, we have is mostly done one of those — is on opposite sex Jenny Schuetz, couples, but we do a senior fellow know that large at the Brookings cities over time Institution, have been more who publishes welcoming and a steady stream friendly for gay of insightful and people and have practical articles more of a dating on topics like why scene. Cities tend to Cities such as Austin, Texas, pictured here, provide flexibility to change getting a multidraw people who jobs and meet partners and friends. (Lola Gomez/Austin Americanyear lease is a good are looking for a very Statesman/TNS) idea and whom you specific kind of work should blame for or social connections. Q: You really like cities, huh? high housing costs A: Well, the less you are a sort of (spoiler alert: greedy people). We Q: Do all these trends apply to “typical” person, the more appeal caught up with her to ask our friends? there is to being in a place that’s burning questions, which have A: The same logic applies. Early big and diverse. Though people been edited and condensed: in their lives, people are looking aren’t moving to really small for friends and companionship places. The trend of moving away Q: Where should I live? and people with shared interests. from the biggest cities like New A: Most people still choose There are big populations in York, L.A. and San Francisco has where to live based on where which to find friends who do the been going on for almost a decade their job is. I encourage moving same kinds of things you do, and now, and a lot of that is driven by to a city where you’re not just a wide diversity of activities — cost. But Denver, Nashville and moving there for one job and you can’t have a major league Austin are still big metro areas, one employer. If you turn out baseball team without enough with more than a million people, to not love your boss or to lose people to fill the stadium, right? and you’re still going to find a ton your job, big cities offer some So that helps with the sorting of people who have similar ages insurance because you can change process. and education. companies without having to pick up your entire life and break your Q: Aren’t people fleeing the Q: So if I’m looking for a mate, social networks to move. city because of the pandemic? should I go to a city? A: A lot of the pandemic A: The evidence is pretty strong Q: What if I can work from movement that we’ve seen has that cities play an important role anywhere? been people moving across in marriage markets, particularly A: An awful lot of employers neighborhoods within the same for people who have more years would still like you to be within big urban areas. There has not of formal education. People with a couple hours of the metro area. really been movement away from graduate degrees marry people And there’s still strong value to big cities to towns. Typically, with graduate degrees, and if you having informational interviews married people are more likely to have a law degree or MBA, the over coffee, and that’s much move to the suburbs and have a chance of finding someone who’s easier to do where there are lots house with a yard — and a lot of in the age, gender and education of companies you’d want to work the people who have been moving categories that you’re looking for. Particularly early in your away are people who were already for is going to be better in a city career, going to a happy hour and where there are lots of people who in that stage. Younger people getting your name out there still and single people have been meet those general qualifications. has value. more likely to live in dense urban Q: Wouldn’t online dating make neighborhoods where there’s a lot Q: Where should my partner of activity and nightlife, and that’s it easier to live anywhere? and I live? A: It’s still helpful in a relationship probably still going to be true. A: You need to be located where to be geographically in the same both people can find satisfying (Rate.com/research/news covers work. In cities, both members of place as the person you’re dating, the worlds of personal finance and a couple are able to find jobs, and which is just easier in a large city. residential real estate.)©2021 Rate.com. job switch if needed. So it’s still going to play a role. Visit at rate.com. Distributed by Tribune Content Agency, LLC.

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September 18, 2021

REAL ESTATE

Homeowner wealth vs. Renter wealth You can argue that a renter can invest in assets other than real estate to create wealth. That’s true, but for most people, a home acts as an automatic wealth builder in appreciating markets. The housing market across the nation certainly can have ups and downs but in the long term, the value trend tracks upwards. If a renter has savvy ﬁnancial skills or hires someone who does, it certainly is a possibility to create wealth without owning real estate.

Thinking of selling? Get a local expert in your corner!

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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.

SOMEONE WANTS YOUR HOME

Is it Better to Own or Rent? Whether to own or rent is better depends on many factors. Your REALTOR® can work hand in hand with your mortgage lender and ﬁnancial planner in analyzing all the factors to determine what would be best for you. ___________________

Advantages of owning • Creates “home base” stability as a place to live • Creates “home base” ﬁnancial stability • Tax deductions for mortgage interest and real estate taxes • Amortizing mortgage creates equity build up • History of market value appreciation • On a ﬁxed rate mortgage, the principal and interest

The Federal Reserve does a study on Homeowner Wealth vs. Renter Wealth. Regardless of owning or renting, the U.S. median household net worth was $121,700 in September 2020. When broken down into owning vs. renting groups, the results are staggering. In 2019, American homeowners had a median net worth of $255,000 while renters had a median net worth of $6,300. The results show, over time, that homeowners possess signiﬁcantly more wealth than renters. In fact, homeowners usually have 40 times more wealth than renters do!

The Best of Both Worlds: Renting AND Owning The bottom line is that for most people, it is simply better to own real estate – and the property owned doesn’t necessarily need to be the place you live. Let’s say you own a home and you’re offered a job for one year in a new location. Renting in the new location is probably the easiest answer while renting out your current home during the time you are away. Renting your current home while you are away sounds like a hassle, but in most communities, there are property managers to help make the process go smoothly. Another hybrid option is to own a 2-, 3-, or 4-unit property. Multiunit properties can be purchased in some locations with FHA ﬁnancing as an owner occupant with only 3.5% down. You can live in one unit and rent the others. Down the road,

Advantages of renting • More mobile in the event of a job or life change • Landlord typically is responsible for many repairs

payment do not increase like rent • Taxes and homeowner’s insurance typically see increases • You can rent out the home to others if you need to leave town because of a job change

There are many times in life when it makes sense to rent the place you live in, such as for a temporary job assignment. However, over the years, owning real estate has proven to be the greatest wealth builder for most Americans.

Buying a Home Rather Than Renting in College In any college town, the majority of students will live in a dorm their ﬁrst year, then move to an off-campus rental home. However, most college towns across the country have strong real estate markets. In an appreciating market, buying a home while attending college, instead of renting, almost always turns out to be an equity builder.

Realtor and Author RE/MAX of Boulder

BY DUANE DUGGAN

this will provide quite a bit of ﬂexibility. You can keep the property as an investment when you move on to another home. You could also keep one of the units open for yourself while you are in the area and rent it out when you need to go live someplace else.

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Doris Emmerich 970-493-8233 dorisj@fril.com

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BANKRATE

Home prices are rising faster than your down payment fund:

WHAT TO DO Zach Wichter Bankrate.com (TNS) If you’re trying to break into the housing market right now, you may find that your down payment fund isn’t going as far as you thought it would. Recordbreaking rises in home prices mean the targets you set to save, say, 20 percent of your expected home purchase price may no longer cut it. Here’s what you need to know about what’s going on in the housing market and what your options are for how to proceed. WHY HOME PRICES ARE LIKELY RISING FASTER THAN YOUR DOWN PAYMENT SAVINGS It all comes down to a few factors: limited housing supply and a huge number of motivated buyers are putting pressure on housing prices. Low mortgage rates mean most buyers can afford to borrow more than they otherwise would, which is turning up the pressure even more, and inflation is pushing buying costs up for pretty much everything across the board. Sellers are rejoicing, but for buyers (low mortgage rates aside) it can be tough terrain to navigate. “This last year has been brutal, particularly for the first-time homebuyer market,” says Matt Woods, co-founder and CEO of SOLD.com. Most experts agree that the pandemic has led to a tough market for buyers, but there are signs that things may finally be cooling off. At any rate, this nearly straight up trajectory for home prices seems fairly unsustainable. “I think about my four kids, how on earth will my four kids ever be homeowners if this is the conundrum they’re dealing with?” Woods says.

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One key to saving for a down payment: Establish an online banking account designated for the purpose. (Dreamstime/TNS)

WHAT YOU CAN DO IF YOUR DOWN PAYMENT SAVINGS AREN’T KEEPING UP There are essentially three ways you can respond if your dream home — or even a barely adequate home — is out of reach. 1. Wait out the home sale market, beef up your down payment Probably the easiest option — because it’s essentially passive — is to just wait for the market to cool down more. Doing that can give you the opportunity to boost your savings, and you may even see home prices come down a little in your area, which means your funds will go farther. Keep in mind, there are no absolute guarantees in real estate because market conditions are always changing, but if you can’t afford to buy now, it’s probably not a good time to dive in. “The biggest thing to start with is just to make the decision

on whether now is the right decision in terms of buying the home,” says Robert Heck, vice president of mortgage at Morty. “If you have ﬂexibility and time, the options there are a bit more widespread.” Focus your affordability calculations on your monthly expenses, not necessarily the overall sale price, he says. Bankrate’s “how much house can I afford?” calculator can help you get started. “This home appreciation phase is waning,” Woods added. If you choose to wait it out you can use the time to invest money in higher-yield — and, admittedly, higher risk — funds to boost your savings more quickly. “Putting money under your mattress isn’t going to help,” he says. “If you’re parking it in the safest place, you can count on it not helping and not growing. If you’re leveraging the investment opportunities that are out there,

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the market’s been kind.” Because the investment market is so hot right now, you may even be able to boost your savings quickly with some higher-risk options. But let’s be clear that money you need in one to three years is not best-suited for riskier investments. That said, if you can stand more risk, consider investing some of your down payment money in: —Stocks, which are arguably the most traditional investment tool and can produce big yields quickly if you buy the right ones at the right time. —Cryptocurrency, which is kind of having a moment in the investment sphere right now. Keep in mind that crypto valuations have been a bit of a rollercoaster, so you could majorly boost your savings, or lose your shirt. You should speak to your ﬁnancial advisor about your investment options. Other shortterm, high yield products may September 18, 2021

be available, but you’ll want to decide what works for you with someone who really knows your situation.

in the exuberance of buying the home, chasing the offer,” Heck says. “Slowing down is important here.”

2. Alter your home search punch list Another option is to change your housing wish list. Everyone wants to get the best possible house in the nicest and most convenient neighborhood they can afford, but if you can be a little more ﬂexible about exactly where to land, it could help you get into a home faster and more affordably. “The American dream is this grandiose,’ got to go own my forever home right now’,” Woods says. “My advice is starter homes are great and maybe you need to be as humble as you can possibly swallow just to get into the game.” Being comfortable with a starter home, or agreeing to look in a broader geographical area will open up more options and may let you look at places where your savings will perform a little better. “Trying not to get caught up

3. Tap a housing assistance program or go for a nontraditional approach You might be able to beneﬁt from homebuyer assistance grants or some upstart companies that offer novel ways of getting you into a mortgage. Woods says companies like Unison help folks get into homes by essentially paying all-cash on their behalf and working out the mortgage once the person has moved in. Others strike up equitysharing arrangements where they contribute to your down payment and then take a larger percentage than a traditional lender when you eventually reﬁnance or sell. Plus, Woods added, you can always go the “strike a deal with your rich uncle” route, if it’s available to you. “There are so many different paths you can go down, so try to verse yourself in as many of those as possible,” Heck says. Doing

your research will help you chart the best course for your own situation. More traditional routes for down payment assistance include: —FHA loans, which can be secured with as little as 3.5 percent down. —VA loans, which can be a great deal for active or retired members of the military and their families —Local and national ﬁrst-time homebuyer programs Also keep in mind that many lenders will allow you to secure a loan with less than 20 percent down. You may have to pay for private mortgage insurance until you build up more equity, but if you can afford the extra monthly cost you’ll still be able to get into a home if your offer is competitive. Working with a knowledgeable real estate agent remains crucial In this ultra-competitive market, having a knowledgeable agent as a guide is key. Most sellers receive multiple offers, many of which may be above the asking price, so it’s important to make sure you

work with someone who really understands the market where you’re looking and can help you make your offer as strong as possible, even if prices are higher than you were expecting. A good buyer’s agent will also be able to help you ﬁgure out how to tailor your search and will be able to adapt if you change what you’re looking for as you rationalize your budget. BOTTOM LINE With home prices being pushed up rapidly by multiple compounding factors, it’s a tough market for buyers. But that doesn’t necessarily mean it’s impossible to buy; it just may take a little extra strategizing. Or, you could take a pause and come back when the market has cooled down a bit more. (Visit Bankrate online at bankrate.com.) ©2021 Bankrate.com. Distributed by Tribune Content Agency, LLC.

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Updated KEM Homes 2-story in fantastic Emerald Glen. All updated, brand new main level hardwd. Kitchen w/island, formal dining, lg family rm w/FP, lg master & 5-pc. Full UF bsmt. Yard backs to community open space, wood deck. 2 car garage.All new paint,new light ﬁxtures. Near Coyote Ridge natural area. $529,000 | MLS #949775

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September 18, 2021

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ASK ANGI

and preserve your appliances and wiring. Such systems range from around $100 for a basic surge protector to $3,000 for lightning rods and a grounding system that will direct the energy into the ground away from the house. You can also add whole-house surge protectors to your electrical panel. These cost between $300 and $500 on average.

Paul F. P. Pogue, Ask Angi (TNS)

Add a home generator: $1,400-$7,000 When storms wipe out power and knock down lines, it’s possible your home can be without energy for quite some time. However, a home-based electrical generator can cover your heat, light, and electricity needs in an emergency. Two things most impact cost: size and power source. Small models are easily portable and inexpensive, but generate only a limited amount of power. Wholehouse models will be larger and more reliable, but more expensive. Most generators operate from gasoline, natural gas, diesel fuel, liquid propane and solar power. Each has pros and cons — for instance, gasoline is readily available and inexpensive, but has a short shelf life. Diesel fuel is easier to store and more efﬁcient, but diesel units tend to be the most expensive options. Your electrician can explain the options for you.

4 electrical projects to improve your home If you think of your home as a body, the electrical system is undoubtedly the beating heart, constantly providing energy through the walls and pumping power into everything from the HVAC system to your toaster. However, just like many critical systems in your own body, you often don’t even notice everything the electrical system does until something goes wrong! Here are four electrician projects that can improve your home and protect against future disaster. These are complicated tasks, so hire a licensed electrician and listen to their advice about your best options. Costs are a national average drawn from the Angi Cost Guide. Replace the electrical panel: $1,300-$3,000 The electrical panel manages the link between external power lines and the energy ﬂowing into your house. You may need to replace an old panel because it’s

Replacing your electrical panel can allow your home to handle bigger power loads. (Dreamstime/TNS)

worn out, or upgrade to allow more power in the home. You may need this if your panel is outdated and can’t handle your current needs, or if you make home additions that draw more energy. If you’re replacing a panel with the same amperage, the cost will remain relatively low. However, if you’re upgrading to a higher amperage, expect to pay more. Rewire your house: $6,000-$25,000 Rewiring is a job you’re not likely to have to do very often — and a good thing, given the expense! You may need to do it in the event of a major disaster such as a lightning strike, or if you have an older home with decadesold wiring that is no longer

safe. The cost will vary greatly depending on the size of your house and the number of electrical connections to replace. Make sure your pro pulls the correct permits for your area and gets it inspected in accordance with local code. Most cities and towns require permits for rewiring, and it can create a big headache if you try to sell your home and an inspection uncovers work done without a required permit. Install a lightning protection system: $400-$2,500 A lightning strike carries hundreds of millions of volts of electricity. A strike on your home can cause enormous damage. A lightning protection system can divert lightning from your home

Tweet your home care questions with #AskAngi and we’ll try to answer them in a future column.

ASK A PLUMBER

Contemporary pedestal sinks can be a classic for a modern bathroom Ed Del Grande Tribune News Service (TNS) Q: Ed: I’m remodeling a contemporary powder room and want to install a pedestal sink to open up some leg room. I know these are usually classiclooking sinks. What do you suggest for a pedestal sink style that can also look ultramodern? — Kay, Virginia The sleek designs of the new pedestal sinks are far from classic. (Kohler/TNS) 6

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A: If you want a futuristiclooking bathroom ﬁxture, a classic pedestal sink may not be

your top decorating choice. The good news is contemporary pedestal sinks are now available. You still get the open feel of a pedestal sink setup, but the sleek designs of the new sinks are far from classic. Contemporary pedestal sinks look more like a modern art sculpture than they do a residential plumbing ﬁxture. Some nice features include crisp high-gloss ﬁnishes, organic colors and rounded free-form edges.

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Because of the unique bowl shapes, in some cases wallmounted lav faucets may be required to enhance the ﬂow of the design for these ultramodern sinks. (Master Contractor/Plumber Ed Del Grande is known internationally as the author of the book “Ed Del Grande’s House Call,” the host of TV and Internet shows, and a LEED green associate. Visit eddelgrande. com or write eadelg@cs.com. Always consult local contractors and codes.) September 18, 2021

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September 18, 2021

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COVERPROFILE

2021 Northern Colorado

presented by

Opens its Doors to the Public T

Photos Courtesy of Hartford Homes 8

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he Home Builders Association of Northern Colorado’s Annual Parade of Homes is an opportunity for local builders to show off their latest builds. This fun event has something for everyone. Some people use it as an opportunity to check out the latest design trends and home styles as they shop for new homes or plan a build. Others scope out new neighborhoods and communities across the area. It’s also a great place to ﬁnd inspiration for remodeling projects. The 2021 Parade of Homes runs two weekends, Sept. 10 - 12 and 17 - 19. The new construction homes are open to everyone from 10 a.m. to 5 p.m. each day. There are 18 homes and one showroom along the route this year. Attendees will walk away not only inspired, but they might have a chance to win a prize. FNBO Mortgage is sponsoring the $1,500 Parade At Home Northern Colorado

of Homes Giveaway Contest. Every home and showroom visited is an opportunity to enter by scanning the code and entering the contest. This exciting event takes place during what has been a wild year for the homebuilding industry. Northern Colorado’s homebuilding market has seen a big boom in recent years with people moving to the area. But the pandemic created an unprecedented demand on the industry. People are searching for something new from their homes. They need dedicated space for gyms, ofﬁces and homeschooling. People are also looking to get out of urban areas in favor of the suburbs where there’s more room to roam. Further fueling the demand are today’s record-low interest rates that make homebuyer’s buying power signiﬁcantly stronger. For many homeowners, now is September 18, 2021

a once-in-a-lifetime opportunity to buy the home of their dreams at a price-point they can afford. Or, in the case of firsttime homebuyers, these low-interest rates are allowing them to be able to afford a home for the first time. This is great news as rental payments keep climbing and will likely go up every year. However, the principal and interest payments on a fixedrate mortgage remain the same for the life of the loan. Looking at the prices of homes along the route some might notice higher prices this year. Home prices across the country are up 16.6% over the past year, according to the Case-Shiller Home Price Index. For existing homeowners, this provides many opportunities to capitalize on the market. Some people are choosing to pull out money to update the kitchen, reduce debt or purchase a second home because there’s never been a better time as property values are at their highest. These high home prices also provide a unique opportunity for people interested in selling. In recent years there’s been a lack of inventory across Northern Colorado. Low-interest rates and a changing world have people coming to the table ready to buy. Many listings are fielding multiple offers almost instantly and even having bidding wars that result in even higher prices. The competitive sales market and low-interest rates have prompted many people to seek out new construction as an option. As you can see with homes in the Parade of Homes, new construction offers a wealth of opportunities for personalized touches and stylish design. New construction homes also feature energy-efficient supplies and appliances. Plus, many come with warranties. However, Northern Colorado’s builders, along with the builders across the country are asking homeowners to be patient with new builds. Shutdowns due to the pandemic, along with an unexpected rush on materials, created a nationwide shortage of many building supplies. Builders were forced to wait on materials and pay higher than average prices for others. For Northern Colorado’s builders, the past two years have been unlike anything they’ve experienced. Despite COVID-19 restrictions, limited materials and unprecedented demand, they’ve managed to build incredible homes for Coloradans. Even with all the challenges, they continue to prove their commitment to craftsmanship, innovation and customer service. The Parade of Homes celebrates these achievements and opens the doors for Northern Colorado residents to see how their neighbors live. Builders are excited to welcome people inside to view their hard work. With September 18, 2021

18 homes and one showroom on the route, it’s a busy day trying to fit in all the homes. Look through the Parade of Homes magazine or online, www. nocohba.com, and select your must-see homes. Plan your route using the map and visit the ones that catch your eye first to make sure you don’t miss them. And while most homes show up on GPS, many will have a big red balloon flying above to alert attendees to their location. If you’re going to parade the day away, here’s a few tips to make it a comfortable, convenient and enjoyable experience. Pack water, snacks and a cellphone charger in your vehicle. Wear comfortable shoes that are easy to slip on and off when visiting houses or be prepared to place booties over them. Community is what makes a house a home, so be sure to make time to see local attractions like parks, playgrounds and restaurants. Event organizers are asking for people to keep a 6-foot distance. Homes will also be ventilated. You can always bring a mask and hand sanitizer to make your visit more comfortable. As you stroll through the entries be sure to take note of your favorite rooms, finishes and overall homes. The StrucSure Home Warranty People’s Picks invite you to vote online for your favorite home, neighborhood, builder, kitchen, bathroom, landscaping and master suite. Voting will end at 8 p.m. on Tuesday, Sept. 21, 2021. The NoCo HBA Parade of Homes would not be possible without all the community sponsors that help make it possible. These sponsors include FNBO Mortgage, StrucSure Home Warranty, Elevations Credit Union, Alpine Lumber, Heritage Title Company, Academy Mortgage Corporation, Xfinity, Townsquare Media of Northern Colorado, Hartford Homes, Chicago Title, Centennial Leasing, Wells Fargo Home Mortgage and First American Title.

For more information about the event visit www.nocohba.com. At Home Northern Colorado

Photos Courtesy of Hartford Homes ATHOMECOLORADO.COM

HOME IMPROVEMENT

Make your kitchen look expensive on a budget with these hacks

Adding a rug can easily add warmth to the kitchen. (Dreamstime/TNS)

Kiersten Willis, The Atlanta Journal-Constitution (TNS) Your kitchen may be on a budget, but it doesn’t have to look

that way. “A well-appointed kitchen will dramatically increase the value of your home, so it’s worth spicing up yours to grab buyer attention,”

Trulia said. But if you don’t have a big budget to completely renovate the space, that doesn’t mean you’re out of options. According to Trulia, upgrading a kitchen “can range from a weekend-long, low-budget brush-up (think paint job and new cabinet hardware) to a full-blown overhaul (with tens of thousands spent on granite countertops and luxury appliances).” If you’re in the budget category, MyDomaine has a few tips on how you can elevate the space while going easy on your wallet. Update the hardware Some kitchens have outdated hardware — if they have any. A trip to a home improvement

store can offer contemporary and timeless options for your drawers and cabinets. Trendy finishes include brass or matte and flat black finishes and square pull bars. Put down a rug Adding a rug can easily add warmth to the kitchen. “If you choose the right design, kitchen rugs not only help tie your kitchen to the rest of your home, but they can also provide more support and comfort in a room where you do a lot of standing,” MarthaStewart.com said. Enhance the lighting Much like updating hardware, giving the lighting a boost can help bring your home up to date. Forbes says pendant lights offer a cross between ambient and task light. They also provide more visibility and can function as a statement piece.

DESIGN RECIPES

Add glamour with gold Cathy Hobbs Tribune News Service (TNS) Looking to add instant glam to a space? Consider adding a dash of gold. A dominant ﬁnish in the ‘80s, gold remains more popular than ever. Often considered to be more luxurious than silver, the glitter of gold can help add luster to nearly any room of the home. Here are some overall do’s and don’ts. DO’S 1. Do consider using gold as a pop or accent. 2. Do use gold in social areas where you want to add an element of luxury such as a living room. 3. Do consider mixing different shades of gold in a single vignette or space. 4. Do be afraid to mix different ﬁnishes, such as nickel with brass. 5. Do use pops of gold in 10

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Gold letters create an element of whimsy in this children’s bedroom. (Handout/TNS) A gold mirror and gold accessories add a pop of metallic to this master bedroom. (Scott Gabriel Morris/Handout/TNS)

various ways throughout a room to create a sense of cohesiveness. DON’T’S 1. Don’t overdo it. Often, less is more. You don’t want to overload a space for risk of it looking “overdone” or gaudy. 2. Don’t overlook the opportunity to pair gold with

strong colors that pair well with gold such as black, navy, brown and even green. 3. Don’t use tones of gold that are overly bright or brassy. 4. Don’t ignore opportunities to use gold in creative ways such as light ﬁxtures, artwork and accessories. 5. Don’t be afraid to add

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touches of gold in whimsical ways such as in a child’s playroom or family room. (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.) September 18, 2021

CSU EXTENSION

Ag tech as part of the farm labor solution Adrian Card, Colorado State University Extension in Boulder County You’ve likely noticed a shortage of workers throughout most sectors of the US economy. While the reasons vary from covid related hesitancy and child care constraints to disincentives of unemployment payments, you might guess that industries that require signiﬁcant physical exertion in the outdoors, such as produce farm work tend to be the lesser choice for workers when other sectors are clamoring for new hires, offering higher wages and on-boarding bonuses. Indeed, the CSU Extension “Preliminary Findings from the 2020 Colorado Agricultural Labor Survey for Employers” reports this is not a new issue for produce farm businesses, with an increasing trend of inability to secure a fully staffed workforce over the past ﬁve years, from a low of 7% shortage in 2016 to a year over year increase in shortage of 15% in 2020. While wages are always part of the answer in recruiting workers, 77% of Colorado produce farms responding pay entry level workers $13 or more per hour with 35% paying $15 to $18 per hour. This is higher than the 2020 US wage for all non-supervisory farm workers at nearly $15 per hour. Wages account for 30% of operating budgets on produce farms and 69% of Boulder County produce farms struggle

to remain profitable with the wages they pay. These employers surmise the top three reasons they cannot attract workers are: the seasonal nature of the job (often April – October), the physical work is too difficult for most, and a general lack of interest in being farm laborers. As King Soopers starts employees at $18 per hour year-round and mostly in an air-conditioned building, it is understandable that those who qualify for those jobs will choose grocery over field work. The USDA Economic Research Service notes the average age of farm workers, foreign and US born, in the US continues to rise from 36 in 2006 to nearly 40 in 2019, meanwhile the continued rise in H-2A (temporary foreign ag worker visas) workers in Colorado and nationwide points to decreasing supply of workers residing in the US. Statewide, 2020 survey responses from produce growers show both a reduction of produce

acres grown and an intention to mechanize more in reaction to unresolved challenges to recruit and retain a viable workforce. The former is an unsatisfactory outcome for those who love local produce, but how to we get to the latter? Colorado is not a leading produce growing state compared to the coastal champions (California, Florida, etc.) and as such is not currently the hotbed for agricultural technology. However, where there is greater market for mechanization (replaces muscle) and automation (replaces decision making), we see the next revolution in agriculture emerging. Western Growers (90-year-old produce trade association in California) has launched a Global Harvest Automation Initiative through its Center for Innovation and Technology. Imagine lettuce cut by waterjets and conveyed up to a platform of workers who now stand in the shade instead of

stoop in the sun to box heads of romaine. Consider an autonomous robot with artificial intelligence and soft robotic “hands” that can pick market ready strawberries, or even more sci-fi, an autonomous laser wielding weed killing machine that drives through the field at five miles per hour (fast by field standards) zapping weeds and not the crop. All of these are in use as prototypes or developed products for produce farmers to purchase. Europe may be ahead of these trends, grappling with ag workforce shortages for longer. FIRA hosts the World Ag Robotics Forum each year and drills into the field applications plus the market and regulatory barriers to ag tech. The future is here. Colorado produce farmers need access to labor saving ag tech that is both the right fit and allows for rapid ROI. 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.

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QUICK GUIDE

OPEN HOUSES // VIRTUAL TOURS

LIST YOUR OPEN HOUSE OR VIRTUAL TOUR: VISIT OPENHOMES.ATHOMECOLORADO.COM OR CALL 303.473.1456, 303.684.5329 Boulder

Evans

2227 Canyon Blvd A-204 $422,000 Sunday 11:00 AM-1:00 PM Lynne McDougal WK Real Estate (303) 947-1557

3609 Empire St $399,900 Saturday 12:00 PM-2:00 PM Pj Warner FSBO (970) 217-7079

4926 Clubhouse Cir $525,000 Sunday 12:00 PM-2:00 PM Karen Bernardi The Bernardi Group at Coldwell Banker (303) 402-6000 1080 Fairway Court #2 $605,000 Saturday 1:00 PM-3:00 PM Denise Patryas RE/MAX of Boulder (303) 818-5354 2116 Pearl Street Unit B $1,825,000 Friday 3:00 PM-5:00 PM Marybeth Emerson Colorado Landmark (720) 394-1997 2116 Pearl Street Unit B $1,825,000 Saturday 2:00 PM-4:00 PM Marybeth Emerson Colorado Landmark (720) 394-1997

3609 Empire St $399,900 Sunday 12:00 PM-2:00 PM Pj Warner FSBO (970) 217-7079

Greeley 39 Ward Dr 103, Unit 103 $295,000 Sunday 12:00 PM-1:30 PM Sharon Herdman Sears Real Estate (970) 576-2059

Lafayette 1308 Alexandria Street $515,000 Saturday 11:00 AM-1:00 PM Denise Patryas RE/MAX of Boulder (303) 818-5354

Longmont

422 Arapahoe Avenue $2,295,000 Sunday 12:00 PM-2:00 PM John McElveen RE/MAX of Boulder (303) 818-7500

1425 Brookfield Dr $453,000 Sunday 2:00 PM-4:00 PM Julie Ann Markiewicz RE/MAX Alliance (303) 995-3914

3735 Wild Plum Court $2,750,000 Sunday 2:00 PM-4:00 PM Mark Bossert Bossert Residential, LLC (303) 589-2677

1345 S. Bowen Street $475,000 Saturday 2:00 PM-4:00 PM Denise Patryas RE/MAX of Boulder (303) 818-5354

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1345 S. Bowen Street $475,000 Sunday 1:30 PM-3:30 PM Denise Patryas RE/MAX of Boulder (303) 818-5354 125 Fairbanks Street $885,000 Saturday 11:00 AM-1:00 PM Ryan McIntosh LIV Sotheby’s International Realty (720) 495-4563 125 Fairbanks Street $885,000 Sunday 11:00 AM-1:00 PM Ryan McIntosh LIV Sotheby’s International Realty (720) 495-4563 2106 Ridgeview Way $887,500 Saturday 12:00 PM-2:00 PM Karen Bernardi The Bernardi Group at Coldwell Banker (303) 402-6000

Nederland 477 Horseshoe Pl $599,000 Sunday 1:00 PM-3:00 PM Nancy Kirkendall RE/MAX Alliance (303) 517-2585

Superior 2855 Rock Creek Circle #285 $550,000 Sunday 1:00 PM-3:00 PM Cassie Remington WK Real Estate (303) 253-4916 1717 Reliance Court $750,000 Sunday 1:00 PM-3:00 PM Barry Remington WK Real Estate (720) 373-9297 September 18, 2021

$215,000

881 Sunchase Dr

Fort Collins

Greeley

Northern Colorado’s active premier 55+ Sunflower community 2 BD | 2 BA | 2 CAR Call Mike & Marie Edwards for details

Great home in Bittersweet 4 BD | 3 BA | 2 Car Call Jim Dech for details

$599,900

302 Sally St

$519,000

1025 Dry Creek Ct

Wiggins

3822 W 11th St #23

Windsor

Commercial Bldg 14 beds-4 car garage Call Jim Dech for details

905 Main Street, Windsor CO 80550 4239 Centerplace Dr 2M Greeley CO 80634

$439,900

1426 41st Ave

New Listing! 4 BD | 3 BA | 3 CAR Call Paula Harder for details

Mike & Marie Edwards Shelby Bolders John Chapman Broker/Owner 720-371-4629 970-380-2943 231-0495

Nicole Curry 970-324-6134

Jim Dech 396-9907

$319,000

Greeley Under Contract Quickly! 2 BD | 2 BA | 2 CAR Call Paula Harder for details

Maria Del Vento Jay Escamilla Al Hamilton Paula Harder Christine Leete Jon Levesque Jason Mountain Elly Pellatz Tyler Ryan Kamron Shaffer Sheryl Steel George Stockum 970-817-3326 510-342-4389 970-214-8787 539-1315 970-818-1446 207-266-2477 970-222-1839 307-660-6776 303-219-0670 324-9378 302-6462 302-2462

970-352-SOLD • www.Greeley.RealEstate • Se Habla Espanol • 970-686-7620 • www.windsorcb.com • “We Guide You Home To Northern Colorado!”

OPEN HOUSES FEATURED ATHOMECOLORADO.COM/OPEN-HOUSES

OPEN HOUSE SAT & SUN 12PM-2PM 3609 Empire St, Evans $399,900 Recently Renovated 3 bed, 2 bath Charming Ranch with Character. Original Hardwood floors Refinished, Granite Countertops. Detached 28x24 Shop for all your toys. Detached Mother in Law apt, Office or She/He shed. Permitted Well up to 15 gallons/minute for outdoor use.

PJ Warner • FSBO • 970-217-7079

LIST YOUR OPEN HOUSE September 18, 2021

Awesome back yard with Covered Patio and Huge deck.

VISIT ATHOMECOLORADO.COM/SUBMIT-OPEN-HOUSE OR CALL 303.473.1456, 303.684.5329 At Home Northern Colorado

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REAL ESTATE TRANSACTIONS The following Loveland-Area 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 • Candace Carter -- 40779 Jade Drive, Mcevoy Family Trust, $625,000. Berthoud • Kateryna Lapina -- 836 Welch Ave., John and Pamela Williams, $375,000. • Theodore and Theresa Spencer -1526 Skimmer St., Pribble Rental LLC, $455,000. • Madison and Ryan Kean -- 809 Holmes Place, Kathryn J Barkley, $500,000. • Renzo and Stephanie Ferreyra -281 Capital Reef St., Artesia Lot Holdings LLC, $503,300. • Kenneth and Bryanna Yeager -- 220 Wark Ave., Jacob and Jacqueline Shoemaker, $580,000. • Travis and Kimberly Gould -- 3012 Lake Hollow Road, Annalise Lindgren, $630,000. • Catherine and Michelle Oakley -- 1116 Shelby Drive, Dennis and Lisa Wagner, $810,000. Eaton • Bradley and Theresa James -800 Hawkstone Drive Unit 14, Judith Dorsey, $465,000. • Jessica Dejager -- 360 Peregrine Pt, Guy and Dawn Hass, $925,000. Evans • Raul Alvarado -- 813 42nd St. Road, Robert and Patricia Finley, $299,000. • Joshua and Jennifer Labar -3422 Sheltered Harbor Drive, Erin N Apsey, $375,000. • Alex Bajorek -- 3716 Stagecoach Drive, Nathan and Candace Mcconnell, $380,000. • Grace Esquivel -- 2609 Wharf St., David Riojas, $380,000. • Gilberto Jimenez -- 3213 Sandy Harbor Drive, Jfr North Point LLC, $388,000. • Philip and Caela Ickes -- 3407 Windmill Court, Kenneth and Brandy Christman, $400,000. • Luke Zamora -- 4513 Dante St., Kristy L Hamar, $410,000. • Javier Gonzalez -- 3001 Spring 14

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Cove Drive, Samuel Kopsa, $415,000. • Matthew Ericson -- 3208 San Marco Ave., Timothy and Lindsay Karakusis, $420,500. Fort Lupton • Katelin Shockley -- 312 S Park Ave., Deborah and Donald Eggleston, $331,500. • Andrew Figueroa -- 1306 Paciﬁc Court, Guillermo and Irelda Arriaga, $375,000. • Steven Mcguinn -- 1415 6th St., Timothy Langhans, $390,000. • Andrew Clinkingbeard -- 253 Appel Court, Jeremy and Hannah Alt, $630,000. Greeley • Erik Gonzalez -- 4329 Lake Mead Drive, Lynn Marie Bernhardt, $169,000. • Michael Beecher -- 209 14th St., Adelita Romero, $236,000. • Theodore Parsons -- 3441 35th St., Wade and Barbara Hill, $260,000. • Marti Rothrock -- 634 46th Ave. Court, Cecil and Alma Gingerich, $265,000. • Alejandro and Chelsie Sanchez -- 2313 W 25th St. Road, Joyce Raby, $275,000. • Aaron Andrade -- 4945 W 10th St. Road, Kenneth and Margaret Wiggers, $280,000. • Fidel Gonzalez -- 334 30th Ave., Clayton and Jamie Tanton, $285,000. • Jacquelin Juarez -- 424 14th Ave., Jorge Benitez, $305,000. • Quanyi Zhou -- 1411 26th St., Marc and Rachael Costain, $316,000. • Maggie Rainwater -- 4560 Dinosaur Court, Clarence and Roxi Fleming, $335,000. • Ruben Roque -- 3306 W 25th St., Casimira Guijosa, $350,000. • Monte Weaver -- 1720 30th Ave. Court, Norberto Barragan Olivarria, $350,000. • Cintia Graciano -- 2815 W 24th St., Monolito M Turner, $350,000. • Joan Moody -- 611 N 30th Ave., Stephen and Deanna Crook, $355,000. • Michele and Aaron Thomas -- 2446 26th Ave., Michael and Glenda Hope, $355,000. • Alejandro Carranco -- 1934 24th Ave. Court, James and Jennifer Montoya, $362,000. • Erik Maas -- 514 E 29th St. Drive, Derek C Bell, $367,000. • Emory Gillespie -- 2041 26th

Ave., Larry Dehaven, $368,000. • Alexander Arevalo -- 3024 W 6th St., Jose Luis Delgado, $370,000. • Selso and Nina Trevino -1728 15th Ave., Todd Folkers, $370,000. • Jessamy Unreinrussom -- 801 36th Ave., Matt and Alyssa Esslin, $375,000. • Ather Zia -- 5215 W 11th St. Road, Polly Ann Cronin, $376,300. • Mauricio Guevarachavira -- 1926 84th Ave., Jessica Lyn Raymond, $380,000. • Walter and Trishia Lundy -3306 Laguna St., Westlake Assoc LLC, $385,000. • Jahaira and Jennifer Salazar -- 325 45th Ave., Matthew E Weeks, $385,000. • Taylor and Adriana Juarez -4121 W 30th St. Road, Matthew B Ochs, $390,000. • Andrew and Claudia Cole -8615 15th St. Road, Triple M Invest LLC, $407,000. • Robert Trujillo -- 8805 15th St. Road, Kathleen Marie Driscoll, $410,000. • Ramon Alvarez -- 2108 21st Ave. Court, Zechariah D Foos, $410,000. • Kelly Mclaughlin -- 603 62nd Ave. Court, Andrea and Larry Wilson, $422,500. • James and Alice Smith -- 4250 W 16th St. Unit 2, Steven and Luanna Mahan, $450,000. • Edward and Karen Grosboll -736 67th Ave., Hartford Constr LLC, $460,000. • Victor Hernandez -- 1110 78th Ave. Court, Kyle M Tucker, $460,000. • Kelly and Danielle Gardner -- 1407 60th Ave., Rodolfo E Gardea, $470,000. • Valerie Smith -- 138 N 59th Ave. Court, Justin Lewallen, $480,000. • Lonnie Ferguson -- 6111 W 8th St., Roy and Vikki Kimble, $505,000. • Edwina White -- 1210 104th Ave., Bartran Constr Inc, $509,900. • Nancy and Stacy Lee -- 337 N 46th Ave. Court, Judy M Boker, $560,000. • Douglas and Jennifer Meredith -646 54th Ave. Court, Craig and Kathy Murray, $815,000. Johnstown • Mason Hawley -- 347 Boulder Lane, Ted and Catherine Eck-

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dahl, $406,000. • Jason and Shelby Link -- 3901 Hunterwood Lane, Amanda and William Babb, $415,000. • Zach Weber -- 3942 Cedarwood Lane, Alexander J Labracke, $415,000. • Jose Urbina -- 331 Alder Ave., Patrick Powers, $465,000. • Priscilla Dodds -- 169 Silverbell Drive, Jonathan and Corey Sheldon, $472,000. • Samantha Poirier -- 3527 Idlewood Lane, Jorge Guerrero Lopez, $475,000. • Jason and Kimberly Herman -- 34 Saxony Road, Thomas and Ashlee Gates, $520,000. • Stephen Beal -- 254 Bittern Drive, Scott and Heidi Elmore, $560,000. • Alexander and Mary Slaten -4367 Chicory Court, Nei Global Relocation Co, $600,000. • Deepthi Bhandari -- 4132 Carroway Seed Drive, James Hopkins, $708,000. Keenesburg • Olivia and Michael Lee -- 519 Evans Ave., Lgi Homes Colo LLC, $369,900. • Christopher Graham -- 523 Evans Ave., Lgi Homes Colo LLC, $400,900. La Salle • Gerald Strausheim -- 901 W Union Ave., Kenneth and Patricia Miller, $386,700. Loveland • David and Ashley Wagner -- 538 W 1st St., Forrest and Caroline Blackburn, $270,000. • Marily Harrington -- 1594 W 29th St., Gregory and Jan Loefﬂer, $312,000. • Octavio Marquez -- 1009 Taft Ave., Loveland City, $320,000. • Brandon and Victoria Burkett -- 550 4th St. Se, Philip L Blanks, $343,000. • Nikolas Doherty -- 138 Lori Drive, Michael and Carole Perry, $367,000. • Katherine Arbeiter -- 2809 9th Place Sw, Russell and Carol Mcclain, $395,000. • Larry Bowar -- 4503 Sheridan Ave., Connie L Bernhardt, $409,000. • David Balthrop -- 1664 Box Prairie Circle, John and Lyndsey Martin, $425,000. • Mckinley Brown -- 205 Audrey Drive, Catherine Joy Andersen, $425,000. September 18, 2021

• John Salazar -- 822 E 34th St., David E Hausser, $435,000. • Frederick and Katherine Long -928 S Tyler Ave., Demetrius and Margaret Pineda, $435,000. • Matthew Hergett -- 3954 Ash Ave., Richard and Jennifer Sargent, $440,500. • Jessie Council -- 2538 Kittredge Drive, Richard and A Justus, $453,500. • Adolfo and Pauline Varela -2083 Rodgers Court, Beverly and Ted Haag, $461,000. • Cynthia Murphy -- 3904 Adine Court, Richard and Sharon Darsky, $475,000. • Elizabeth Densley -- 5020 Apricot Drive, Peter and Brooks Arola, $495,000. • Pamela Wilson -- 4485 Ridgway Drive, Stuart and Amanda Music, $500,000. • John and Denise Burns -- 2220 W 46th St., Janette A Brown, $503,000. • Nicholas and Nadia Sullivan -527 E 7th St., Mitchell Thomas Trimble, $520,000. • Robert Wyatt -- 924 Periwinkle Place, Chad W Smith, $534,900. • Scott and Nadine Argo -- 4296 Martinson Drive, Artesia Lot Holdings LLC, $551,000. • Eric and Sara Lamothe -- 1185 Crabapple Drive, Mark A Buzzetta, $563,500. • Tamara and Kenneth Craft -- 2817 Sterling Drive, Jensena Joann Lemmo, $627,300. • Dustin Frye -- 3315 New Castle Drive, Archie and Janna Ames, $630,000. • Brian Murphy -- 5508 Otero Ave., Patricia D Gifford, $666,000. • Andrew and Alexi Perkins -4429 Prairie Trail Drive, Steve and Tracy Hilde, $700,000.

• Paul Johnson -- 5916 N Garﬁeld Ave., Raymond Hupp, $850,000. Milliken • Nicholas and Douglas Collins -- 108 N Cora Ave., Kyle Hart, $240,000. • Joyce Raby -- 464 School House Drive, John M Allen, $280,000. • Joyce Raby -- 484 School House Drive, John M Allen, $280,000. • Luke Spalton -- 753 S Carriage Drive, Carriage Drive Trust, $380,000. • Jordan Gould -- 282 W Cottonwood St., Kimberly Varra, $402,000. • Colin Nelson -- 2228 Wagon Train Drive, Jacob and Shannon Joseph, $455,000. • Gerald and Kathryn Trujillo -1870 Fox Glove Lane, Windmill Homes Co, $492,700. • Torrey and Ryan Williams -9886 County Road 48 1/2, Kimberly Steffenbrauch, $657,000. Platteville • Adrian Escalante -- 217 Buck Rake Blvd., Matthew and Sondra Pierce, $420,000. • Samuel Gluck -- 13174 County Road 36, Bella Farms LLC, $685,000. Severance • Greg and Anna Spaur -- 37173 Soaring Eagle Circle, Nestor D Collazo, $200,000. • Adam Collins -- 1237 Lily Mountain Road, Lgi Homes Colo LLC, $395,900. • Ramon and Corinna Marquez -- 1239 Lily Mountain Road, Lgi Homes Colo LLC, $432,900. • Rebecca Tolen -- 1582 Lake Pt Way, 2 Valley Bldrs Inc, $442,600. • Charles and Natalie Smith --

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1636 Kit St., Dfh Mandarin LLC, $486,000. Joshua Perry -- 409 Harrow St., David A Ellington, $490,000. Leonard and Lee Lindholm -- 502 Prairie Clover Way, Richard and Melanie Mougin, $505,000. Cynthia Marks -- 1584 Lake Pt Way, 2 Valley Bldrs Inc, $519,100. Raul Reyes -- 5010 Prairie Lark Lane, Dynamic Homes Colo Inc, $650,900. Jonathan and Jennifer Martin -3792 Bridle Ridge Circle, David Siderﬁn, $815,000.

• • • • •

Timnath • Ryan and Megan Avery -- 5051 Brule Drive, Gh Colo LLC, $562,500. • Darryl and Leanne Troutman -- 1030 Larimer Ridge Parkway, Artesia Lot Holdings LLC, $752,000. • Jennifer and Trevor Whiting -6057 Moran Road, Gerald and Sherri Vantellingen, $762,500. Windsor • Paige Helm -- 234 E Chestnut St. Apt 2, Chestnut Street Holdings LLC, $372,900. • Patrick and Nicole Kramer -- 389 Shadowbrook Drive, Zillow Homes Property Trust, $441,500. • Kirk and Cynthia Romberg -1130 Crescent Drive, Shaun and Susan Fitzpatrick, $455,000. • Raymond Mannello -- 624 Cornerstone Drive, Luis and Leah Leguizamon, $460,000. • David and Helen Knighten -1794 Branching Canopy Drive, Dfh Mandarin LLC, $476,800. • Jeffrey and Alana Basamanowicz -- 1621 Corby Drive, Aspen View Homes LLC, $491,500. • Juan Merino -- 1514 Reynolds

• • • • •

• • • • • • • • •

BUYING * SELLING * INVESTING

A Realtor with Proven Results. Service You Can Count On and The Experience to Back It Up!

Loni L. Ferrier Realtor® 970-689-1192 loniferrier@comcast.net

For All Of Your Real Estate Needs!

ALICIA STEWART Owner/Broker 970-599-4661 • kwalicia7@gmail.com

www.loniferrier.homesandland.com

September 18, 2021

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Drive, Propiedades Del Norte LLC, $540,000. Amy and Morgan Roe -- 1735 Branching Canopy Drive, Dfh Mandarin LLC, $555,300. Dylan and Ashley Vallino -- 237 Timber Ridge Court, Reynaldo And Kortnie Ramos, $560,000. Kenneth and Cherryl Tope -1729 Branching Canopy Drive, Dfh Mandarin LLC, $574,700. Jason and Stephanie Laub -- 716 Vermilion Peak Court, Gregory L Hamilton, $580,000. Christopher and Brooke Kiraly -- 2151 Gather Drive, Artesia Lot Holdings LLC, $586,900. Yoko and Makoto Matsuura -- 1605 Northcroft Drive, Richmond Am Homes Colo Inc, $589,500. Konner and Jordan Morgan -1885 Los Cabos Drive, Thomas W Blesener, $610,000. Kirk and Debra Ratzlaff -- 1741 Branching Canopy Drive, Dfh Mandarin LLC, $614,000. Jared Paris -- 387 Seahorse Drive, Ryan Sutton, $635,000. David and Melissa Luker -- 2117 Meander Road, Ek Real Estate Fund I LLC, $762,000. Manuel and Michele Machado -- 6368 Valhalla Drive, Sanctuary Lots LLC, $786,400. Matthew and Jennifer Brown -8459 Sand Dollar Drive, Juliette C Fardulis, $897,000. Tyler and Brooke Briggs -- 6223 Crooked Stick Drive, Christina and Robert Frei, $925,000. Frank Morgan -- 1781 Beachside Drive, Juma LLC, $944,700. William and Celeste Bottomley -938 Clydesdale Lane, Jerald and Roseann Goehring, $950,000.

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Make Amazing Property Yours! Make one This of these great properties yours! www.RealEstateInNorthernColorado.com Equestrian Estate on 40 Beautiful Acres!

a look atOverlooking this Log home on beautiful 40 acres MountainTake Home Pinewood Reservoir with over $300,000 in improvements in the past 10 years!

$690,000

6014 W. County Road | $2,500,000 273 GreenNotch Mountain Drive, Loveland | Loveland $700,000 580 Saddle Road, Loveland, CO12, 80537 | $925,000 5 Bedrooms • 5 Baths • 6,590 Total Sq. Ft. • MLS# 947346 3 Beds • 3 Baths • Total Sq. Ft.| 2,716 • MLS# 5 Bedrooms | 4 Bathrooms 3,154 Total 939289 Square Feet

Enjoy all the features of this amazing equestrian property on 40 acres with the convenience of being only 15 minutes away from Downtown LessWait than 30 minutes from town but feels2 away! Enjoy sunsets from deck in or with the large elevated decks; and flagstone Loveland and The outside spaces ofworlds this spacious home are over perfect for the entertaining toBerthoud! see you the amazing chef kitchen with $100,000 patio area complete with heated pool, waterfalling hot tub, outdoor kitchen, and fire pit. Take take time to relax inalone! the jettedProperty hot tub. Close to Ramsay-Shockey Space views ofthe party inside for a game of pool or host a upgrades includes a detachedOpen barn andwith additional movie night with the home theater setup. The spacious primary bedroom suite includes a luxurious 5 piece bathroom, dual closets, and a pad with cistern, septic, and power ready totoday! go!includes 8 extended stalls, automatic waterers, tack room Pinewood Reservoir & Long’s Peak. Schedule your showing privatebuilding laundry room with private access to the back deck. The 40x60 horse barn with beetle kill pine walls, and covered hay storage. An additional outbuilding includes a 1 bedroom apartment, drive through shop, office, and 7 stall kennel system. Property also includes a 1st class roping arena, 10 acres of pasture, and pond! All of this with No HOA or Metro District!

MAKE ONE YOURS! www.RealEstateInNorthernColorado.com ONE OF THESE GREAT PROPERTIES YOURS! BordersPinewood Nationalfor Forest! Overlooks Reservoir! 3.3 Acres Perfect Horses!

138 Acres Land! 138Acres Acres of Vacant Vacant Land with Gorgeous Views! 138 of VacantLand! Land! DE

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4151 Wilderland 4151 Way, Loveland 1701Wilderland Firerock Court, Loveland $925,000 •••MLS# MLS# $900,000 877823 $300,000 MLS# 877823 936792 With 5 for Approved Building Lots Approved Multiple Residences! Less than 15 minutes from

138138 Acres of Vacant Land bordering Devils Acres of Vacant Land bordering Downtown Loveland, this 1/3 acre lot is perfect Backbone Space! Only 15 minutes Devil’s Open Backbone Open Space! Only to for anyone wanting to escape city life without Downtown Loveland but feels like a world 15 minutes to Downtown Loveland but sacrificing convenience! Close to Highway away! Call for more details or details feels like a world away! Call for more 34 and both city and mountain views make this totoschedule aatour! schedule tour! property a or rare find! – By Appointment Only.

ICE

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Stunning & Sunsets! Carter Lake Views Live/Work Opportunity! Borders National Forest!

Acre Lot! 43Large Acres3/4 with Views! 43 Acres With Views! D

79 Green Mountain Drive EigerNotch Road, Livermore 2324671 Saddle Road, Loveland $465,000 MLS# 941101 900115 $75,000 •••MLS# 920886 $250,000 MLS#

3 Beds • 2 Baths • Total Sq. Ft. 1992 Take aafor look at this this 3.3 quaint sitting on Take look at acrecabin gently sloping Looking land with National Forest access? half an acre overlooking Pinewood Reservoir lot with36a wooded great building sitejust in Glacier View These acres are 35 minutes lcoated lessof than 30 minutes from all the FA1 Farming zoning allows for toMeadows! the West Loveland and have fantastic conveniences thatPrivate Downtown many uses including but notLoveland limited toand views! Roads the equestrian surrounding area has to and residential! – By Appointment Only offer!

2800 KyleRoad, CircleLoveland 2312 Saddle Saddle Notch Road, Loveland Notch $625,000••MLS# MLS#941090 898211 $250,000 921582 $225,000

5 Beds • 4 Baths • Total Sq. Ft. 3943 ComeLooking see home inwith desirable Looking forthis land with This Bonnell 43 acre for landViews? Views? West! Features main floor office, main This 43 acre property 35 minutes fromfloor property 35 minutes from Loveland backs to Loveland backsfloor to National Forest andincan be laundry, main master with walk closet National Forest and can be combined with combined the bath, neighboring lot for and piece with master andacres backs up to the579 neighboring for 79 acres total!lotPrivate Roads.total! neighborhood open space! Private Roads – By Appointment Only. – By Appointment Only.

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North Shore RV Park Store 2324 Rd,and Loveland 7518Saddle Pazzo Notch Lane, Loveland $1,200,000 •MLS# MLS# 871670 $275,000••MLS# 915813 $950,000 938796

3 Beds 4 Baths • TotalSq. Sq.Ft.Ft.3,887 2820 4 Beds • 4• Baths • Total at the Northand Shore RVaway Park Looking forabounds with Views National ThisOpportunity gorgeous 4land bedroom home tucked & Store with multiple streams of income with on over 2 acres is conveniently located close Forest access? Now available are these topotential town without compromising comfortable for more! Schedule showingtonow 36 wooded acres just 35your minutes the to living. Off Gladeproperty Rd withingreat views of area! see this Live/Work the Carter Lake West Backbone! of Loveland! Devil’s

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

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

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September 18, 2021