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GIVE ELECTRIC—

A gift list for homeowners that’s good for the wallet and the environment

Quick Guide and Featured Open Homes Looking for a home? View comprehensive listings of local open houses taking place this weekend from all across the area. December 4, 2021

Part 1 - Gift of a Lifetime for First-Time Home Buyers First-time home buyers may ﬁnd it difﬁcult to save enough for a down payment, but there are ways to help. At Home Northern Colorado

Drought in Colorado It’s no secret that Colorado struggles with drought conditions, so what steps should you be taking to diminish its impact on your landscaping. ATHOMECOLORADO.COM

CSU EXTENSION COLORADO HOME AND REAL ESTATE

Drought in Colorado

CONTRIBUTING WRITERS

Adam Goldsteirn Avery Newmark Sharon Bokan Mary Lynn Bruny Erik J. Martin

Duane Duggan Paul F. P. Pogue

ADVERTISING CONSULTANTS

Thais Hafer Toni McNeill

EDITOR/FEATURES COORDINATOR Misty Kaiser Native landscape that has survived many droughts.

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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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Sharon Bokan, Colorado State University Extension Boulder County According to the National Oceanic and Atmospheric Administration (NOAA), most of Northern Colorado is considered to be in severe drought. According to the Climate Prediction Center at NOAA, due to a la Niña weather pattern, the drought will continue at least through the winter into February 2022. So, what does this mean for the average homeowner or landowner? We need to be planning how we can help plants survive the drought conditions while conserving water. Here are some suggestions to help your plants survive a drought. A long-term project to make your landscape more drought resistant is to utilize native plants in your landscape. As you need to replace plants or decide to make changes consider using native plants as opposed to more water intensive nonnative plants. Native plants are adapted to our drastic changes in precipitation and have learned how to survive under drought conditions. Native plants can be as attractive as introduced plants and also provide habitat for native pollinators. Another technique to preserve moisture is using mulches. They

slow down the evaporation of soil moisture keeping it available to plant roots. Place 2 – 4” of mulch around plants but not directly in contact with the trunk or stems. Having mulch up next to the trunk can lead to insect, wildlife or disease problems. Water at least your newly planted young trees, shrubs and perennials once or twice a month if we don’t receive signiﬁcant precipitation. Check the soil before watering to make sure you need to water. Once trees are established, they don’t need watering as often as they have large established root systems. Water when the air temperature is 40o F or higher and the soil is not frozen. Apply the water mid-day to allow the water to soak into the soil. Make sure that you don’t water trees and shrubs at the trunk or branch base as roots go out 2 – 3 times the outer most branches so you’ll miss getting water to most of the root system. Use a sprinkler to water a larger area around the plant to get water to more of the root system. For those who own larger acreages and might have grazing animals, you’ll need to reduce the winter grazing in order to preserve more stubble in your grasses. Grasses not only store energy in their root systems but they also store a good portion of their energy in the lower portion of their stems. This energy is

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critical for the plants’ survival and to start growing the next year. Grazing plants down to the ground removes all this energy, may damage next year’s buds and stresses the plants when they start growing in the spring. Even if we get precipitation in the spring, it may not be sufﬁcient for plant growth and to replace depleted soil moisture, so the plants continue to be stressed. Stressed plants like humans are not healthy and over time may produce less forage. Limit grazing times to short exercise times (30 minutes) for horses and expect to feed more hay. Preserving your forage plant health speeds recovery when we do receive precipitation. A little planning, watering and grazing restraint can help plants survive drought. NOAA drought resources drought.gov/. 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. December 4, 2021

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THE LIGHTER SIDE

Pandemic side effect: Supply chain woes Who knew the phrase “supply chain” before the pandemic? Who knew about cargo containers and distribution BY MARY channels and LYNN BRUNY delivery quality At Home control? Only Colorado people you didn’t want to talk to at cocktail parties, that’s who. Lots of us have been spoiled Americans living in the land of plenty for so long that we had no idea how good we had it. Now we think about these ﬂipping supply chain issues every day. For example: “Gosh darn it, they still don’t have any of Bubbie’s favorite dog food in stock! Dang supply chain!” And it’s not just poor Bubbie

Is your order held up off-shore? Good luck. (Shutterstock)

who is suffering. Anybody ordering anything is ﬁnding it frustrating not only because of low or non-existent inventory,

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but also due to the lack of delivery quality control. For instance, my eldest son who is in the midst of a remodel ordered a new bathtub from a home products store. When it ﬁnally arrived (late, of course), a representative called to tell him it was damaged; my son needed to come in and decide if he wanted it. He went to the store and discovered a forklift’s two front prongs had gone through the tub; it had two giant holes on one side. “So do you want it?” the store clerk asked. “We can give you a discount.” I’m not making this up. I wish I were. I’m wondering who would possibly take possession of a bathtub with two huge holes? Perhaps the folks who make Cialis™ commercials? For some unknown reason they show older people in side-by-side bathtubs in outdoor settings. Who does this? Is this what younger people who make commercials think older folks do – remain clinically apart at all times? Do they think this is “acceptable older people sexy” – no actual physical contact? Lord help us. Anyway, back to supply chain woes: Due to the lack of products (or the possibility of such), many of us are feeling like we need to stock up on the stuff

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that’s important to us. It seems the fastest way to get people to buy things is just to hint that perhaps they won’t be able to do so in the future. What a fun psychological experience for us all! For instance, the first week of the pandemic I ordered lipstick and under garments. Turns out these were not terribly in demand in our household during quarantining, but I stand by these choices. It takes a mature woman about 20 hours of egochallenging time to try on under garments to find satisfactory products. Once we find ones we like, we want to stock up before manufacturers stop making them. And lipstick is just fun. An inexpensive swipe of happiness. No wonder lipstick sales go up during wars or recessions, but probably not during worldwide pandemics due to the whole mask issue. But now at month 21 I’m stocking up on my favorite wine (due to a wine bottle shortage I once read about) and Soft Scrub™ (as it flies off our grocery store shelf). But let me make clear that my purchases do not mean I’ll be cleaning while drinking wine (and wearing lipstick and comfortable under garments). Maybe by month 30, but not yet. What will month 30 hold for us all? Who knows? I say we all try and enjoy the holiday season despite everything - shortages or more bad pandemic news. Maybe things will get better sooner than expected. We can only hope. At least hope needs no supply chain, though a little wine and lipstick can probably make it appear a bit brighter. Mary Lynn Bruny writes about local real estate and home-related topics. Contact her at ml.bruny@comcast. net. To read previous THE LIGHTER SIDE articles, go to athomecolorado.com/the-lighterside. December 4, 2021

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REAL ESTATE NEWS

Mortgage rate forecast for December: Higher rates likely, with a COVID-19 wildcard this shorter-term mortgage to follow the same trends as its 30year counterpart.

Erik J. Martin Bankrate.com (TNS) Santa Claus may be coming to town, but he’s likely bringing higher mortgage rates with him. Approaching the holidays, all signs pointed to rising rates in the days and weeks ahead — at least until a new coronavirus mutation sparked new fears that the pandemic might enter a new phase. The World Health Organization warned this week that the omicron variant poses “very high” global risk — and is likely to spread internationally. While it’s too soon to know the effect on mortgage rates, this latest twist means the pandemic could continue to roil consumer spending, disrupt travel plans and frighten investors. The coronavirus scare of 2020 sent mortgage rates to record lows, and a new round of uncertainty could cloud the rate picture. In January 2020, the average rate on a 30-year mortgage fell below 3%, according to Bankrate’s national survey of lenders. But by New Year’s Eve, those rates may have increased by 40 basis points — if the omicrom variant proves mild. What kind of rate can you expect for your upcoming mortgage purchase or reﬁnance loan? We’ve talked to the experts and gotten their rate predictions for December and beyond.

Dreaming of a white Christmas (and lower rates)

The warning signs about increasing inﬂation haven’t subsided in recent weeks, leaving many industry insiders pessimistic about the mortgage rate environment, even if recent jobs reports look promising, wider economic data appear bullish, and the recently passed infrastructure bill appears to be a 6

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Ringing in rate projections for 2022

Experts say all signs point to rising mortgage rates in the days and weeks ahead. (Dreamstime/TNS)

step in the right direction. “With inflation elevated and the Federal Reserve holding true to its promise to begin tapering bond purchases, mortgage rates will continue moving higher by the end of the year,” says Greg McBride, Bankrate’s chief financial analyst. He foresees the 30-year fixed rate clocking in as high as 3.5%, on average, compared to an average rate of up to 2.7% for a 15-year mortgage, by the end of the month. Nadia Evangelou, the senior economist and director of forecasting for the National Association of Realtors, is firmly in McBride’s camp. “Inflation has risen to its highest point since 1990. If it remains elevated for a longer period, that will drift up mortgage rates even higher,” she says. “Meanwhile, the Fed will slowly reduce its monthly bond purchases. This strategy is expected to move up bond yields, as the supply of these bonds

will increase in the broader economy and bond prices will drop. Following the trend of the 10-year Treasury yield, mortgage rates will go up as well.” Len Kiefer, deputy chief economist for mortgage giant Freddie Mac, says his organization also expects elevated rates this month, but perhaps not quite as high as others anticipate. “We forecast that the 30-year ﬁxed mortgage will be around 3.2% in December. This forecast implies that rates will be headed higher in the near term,” says Kiefer. “Mortgage rates generally follow U.S. Treasury yields, and we expect that these will continue to increase – although at a modest pace. Treasury yields are higher due to a variety of factors, including a recovering economy, higher short-term inﬂation, and anticipated tightening of monetary policy.” While Freddie Mac doesn’t forecast the 15-year mortgage rate, Kiefer says you can expect

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Eager to learn if higher December rates are just a fluke? Brace yourself for bad news: Several factors point to further rate jumps in the first quarter of 2022. “Mortgage rates will continue to rise in the year ahead due to elevated inflation. When inflation increases, lenders demand higher interest rates as compensation for the decrease in purchasing power,” Evangelou says. “Also, consider that the job market continues to recover. Mortgage rates tend to rise when employment grows and the unemployment rate falls.” Consider, too, that the Fed’s own projections indicate a likely interest rate increase or two in 2022. But if inflation continues to grow at its present pace, this rate hike may come sooner than expected next year. “And when the Fed increases its interest rates, banks do, too. When that happens, mortgage rates go up for borrowers,” adds Evangelou, who believes the 30-year mortgage and 15-year mortgage will average 3.5% and 2.8% across 2022. McBride says the uptrend in rates will be limited, however, by occasional bouts of market volatility and worries about slower economic growth in 2022. “Nevertheless, continued economic expansion, elevated inflation, and a less stimulative Federal Reserve are all suggestive of higher, rather than lower, mortgage rates in the year ahead,” says McBride, who predicts rates respectively inching up to 3.6% and 2.8% for the 30year and 15-year mortgage loan, on average, by the end of March 2022. “If the perception is that December 4, 2021

the Fed is behind the inflation curve, this will fuel an uptick in rates.” If Kiefer’s calculation that the 30-year rate will average 3.4% in the first three months of 2022 proves correct, that means rates will have reached their highest level since the pandemic hit in spring 2020. “The good news is that higher interest rates will reflect a stronger economy that continues to recover and return toward normalcy,” says Kiefer. “Of course, negative surprises on the pandemic could lead to lower interest rates, but continued progress on COVID-19 would likely yield higher rates. The market has so far shrugged off high recent inflation readings, interpreting much of the higher recent inflation to be transitory; but if market participants begin to view inflation as more persistent, that could result in higher rates.” Our panel of pros isn’t alone in their prognoses for costlier

mortgage loans next year. In its most recent forecast, Fannie Mae anticipates the benchmark 30-year fixed-rate mortgage to average 3.2% in the first quarter of 2022 and 3.3% throughout the entire year. The Mortgage Bankers Association foresees rates averaging 3.3% in the first quarter and 4.0% for the full year of 2022. And according to Selma Hepp, deputy chief economist for CoreLogic, the 30-year fixed rate should hover around 3.4% by the end of 2022.

Gift yourself a home or reﬁ now, if you’re ready

Purchasing a home is a major commitment that no one should rush into. But in today’s hot market, home buyers may need to move decisively after carefully considering their ﬁnancial situation. “With mortgage interest rates and house prices forecasted to increase over the next year, purchasing today will likely be

more affordable than waiting,” suggests Kiefer. “Prospective buyers will want to consider their current credit profile and household balance sheet first, as well as how long they plan to stay in their new home, what their current employment situation is, how much other debt they have to service, and how well they have been able to manage their payments on existing debt obligations.” Evangelou agrees. “It makes sense to wait only if mortgage rates or home prices are going to fall, which isn’t likely going to happen in the year ahead,” she says. “Meanwhile, rent prices have increased, and they may rise even further as demand for rental homes gets stronger. Thus, I advise potential buyers to lock in a rate now.” If refinancing is on your radar, now is the time to act, assuming your financial house is in order, McBride advises. “Even with the recent rate increases, refinance rates are still

C3 Real Estate Solutions Agent Spotlight

lower than anything seen before the summer of last year,” he says. “Don’t let the opportunity pass you by. Particularly with the cost of so many other things on the rise, the ability to trim your mortgage payments in a meaningful way can create valuable breathing room in your household budget.” Don’t let the prospect of a more expensive rate environment spoil your holiday cheer. “By historical standards, mortgage interest rates remain super low,” Kiefer explains. “Rates would have to increase by nearly 2 full percentage points to match the highest they’ve been in just the past ﬁve years.” ——— (Visit Bankrate online at bankrate.com.)

C3 Real Estate Solutions Agent Spotlight

Ron, a Windsor resident, is a successful entrepreneur, author and business owner in Northern Colorado. He uses his decades of business experience to help buyers and sellers navigate the complex real estate market. Ron lives by the motto, “Screw it, do it!” and coaches many up and coming young business leaders. He specializes in new construction, development, investment properties as well as buying and selling homes. An Ron Worley 970.369.0589 avid outdoorsman, Ron can often ron@ronworely.com be found fishing, golfing, working out and boating in his Colorado backyard. He is a husband and father of three, enjoys spending time with his family, supporting local sports teams and giving back to community organizations.

Erin is a Colorado native who currently resides with her husband and two beagles in Windsor. Her family has been serving Northern Colorado communities for over 150 years and Erin is proud to continue that tradition. A graduate of the University of Northern Colorado and the Weld County Sheriff’s POST Academy, Erin served as an officer with the Greeley Police Department for over a decade. As a seasoned and top producing real estate agent, Erin uses her background as a former business owner, to make the real estate process, simple, supportive and successful. Erin specializes in everything from first time homebuying Erin Brady to selling luxury million-dollar properties. 970.978.869 In her free time (ha ha…) she enjoys family erin@erinbrady.com game nights with her adult children, working out and volunteering. She currently sits on the Board of Directors for A Woman’s Place, an organization that serves domestic abuse survivors. As a fitness enthusiast, Erin lives by the motto “The real flex is how many people’s lives you can positively impact.”

970.225.5152 • C3 Real Estate Solution, LLC.

www.MyColoHome.com

December 4, 2021

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COVERPROFILE

GIVE ELECTRIC—

A gift list for homeowners that’s good for the wallet and the environment Adam Goldstein for At Home Northern Colorado

A heat pump increases efﬁciency and helps save homeowners money. (Courtesy PVREA) 8

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Loading up on powerful, efﬁcient and effective power equipment to make it through Colorado’s most severe months doesn’t have to mean leaving a massive carbon footprint. In the past, keeping up a range of equipment to help deal with the Centennial State’s conditions meant stocking up on machines that were usually gas-powered. For decades, the best snowblowers, mowers, trimmers and other equipment relied on fossil fuels; such items were synonymous with energy At Home Northern Colorado

sources that we now know are dirty, inefﬁcient and dangerous to Colorado’s environment. Those days are over. The most powerful tools are now electric; keeping your walk clear of snow, keeping your bushes trimmed and keeping your leaves off your lawn no longer means burning fuel. “Electric appliances and tools are becoming more and more efﬁcient and help to reduce overall emissions,” said Sam Taggart, spokesman for Poudre Valley Rural Electric Association (PVREA). PVREA provides energy to consumers across Colorado’s Front Range, and Taggart said that the trend December 4, 2021

The EGO Power Plus Snowblower provides all the power and none of the drawbacks. (Courtesy PVREA)

Snowblowers are a necessary piece of equipment for most homeowners in Colorado climates, now there’s no reason to breathe fumes and burn gas to clear a driveway. (Shutterstock) across the agency’s service area is shifting dramatically toward renewable and efficient energy solutions. In terms of household appliances, this translates into a new generation of machines designed to make the old, gas-powered models obsolete. “For members looking for environmentally friendly ways to power their lives, choosing electric is an easy solution. Whether through electric lawn mowers or electric water heaters, it’s a means to reducing our overall energy costs while helping our environment.” In addition to the ecological benefits of such equipment, consumers who switch to electric trimmers, snowblowers, water heaters and other items will feel the gains in their pocketbook. According to Taggart, PVREA and other energy companies across Colorado are finding more and more ways to make energy more cost-efficient and renewable, even as the price of fossil fuels continues to rise. This could translate into direct savings for consumers who opt to plug in their favorite machines, instead of filling them up with gasoline. “With the costs of energy dropping for Poudre Valley REA members, made possible after a recent rate decrease, and the costs of combustion fuels rising it makes sense to switch from gas-powered to all-electric,” Taggart said. “Charging your appliances or power equipment December 4, 2021

during off-peak times can decrease your energy costs even more.” These Time-of-Use rates may make sense for some lifestyles. “Members can explore different rate options through the ‘My Coop, My Plan’ tool at pvrea.coop/service,” he said. Gone are the days when the electric version of any given yard, home or outdoors machine was less powerful, sleek and impressive than its fuel-driven counterpart. Electric options aren’t only more efﬁcient, but they’re increasingly more portable, more versatile and safer than the gas-powered alternatives. They’re also safer, cleaner and easier to store, according to Taggart. What’s more, Poudre Valley REA members may be eligible for rebates that align with switching to a more eco-friendly set of tools and machines. That makes this new generation of home improvement and maintenance machines the perfect option for holiday gift lists. Whether you’re shopping for someone who handles all the snow blowing, leaf gathering and branch cutting, or you’re looking for a gift for someone who’s looking to save money on energy bills, these machines are an ideal option. Check out some of the best bets for electric appliances below, and stay tuned for more ideas as the season progresses.

ELECTRIFYING GIFT IDEAS EGO Power Plus Chainsaw, $319.99

This chainsaw may be electric, but it boasts all the power to cut through the toughest, thickest branches, boles and brush. The EGO Power chainsaw features a 16-inch bar and chain and a brushless motor, elements that insure smooth, direct cuts. The chainsaw also includes advanced safety features designed to make every job worry-free. The tool runs on an advanced, 56-volt ARC lithium battery, an energy source that insures all the power of an industrial chainsaw without the smoke, dirt and fumes from gasoline.

EGO Power Plus Snowblower, $1,299.99

Forget the cord, and forget worrying about filling up your snowblower with costly, dirty gasoline. Like its chainsaw line, EGO’s snowblower is all about providing the power and efficiency of an industrial, gas-powered tool in an electric, energy-efficient package. The electric snowplow runs on a rechargeable, 56-volt ARC lithium battery, and offers a 24-inch clearing width and a 20-inch intake. These specs make it a powerful option for clearing any walkway, driveway or passage in the winter. With its four LED lights, the blower can also be used in the early morning or evening.

Heat Pump technology for the home (prices vary)

According to the Poudre Valley REA, heat pump technology is the most economical and environmentally sound to keep a home heated during the winter and cool during the summer. The PVREA points out that more than 55 percent of annual household energy expenses go toward heating and cooling, and that a heat pump, combined with insulation of ducts, goes a long way in lessening those bills. The investment is greater than, say, a chainsaw or a snowblower, but thanks to rebates from the PVREA and the eventual savings on energy bills, a heat pump may be an ideal holiday purchase for a household. Check out pvrea.coop for more details about rebates and installation options!

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REAL ESTATE

Part 1 - Gift of a Lifetime for First-Time Home Buyers

For 29% of first-time home buyers, saving for a down payment BY DUANE on a home DUGGAN is the most Realtor and Author challenging step RE/MAX of Boulder in the home buying process, according to the 2021 Profile of Home Buyers and Sellers report by the National Association of REALTORS® (NAR). Jessica Lautz, vice president of demographics and behavioral insights at NAR, says, “…in the current environment, these buyers also face soaring rent prices and high student debt balances, which makes it extremely difficult to save for a down payment.” Now, couple those issues with the high price of real estate in the area, and the conditions are formidable for first-time home buyers to afford a

home. In an appreciating market, purchasing a first home becomes harder as time goes on because home prices continue to rise. The saying goes: “You can’t out-save the market.” NAR also states that 28% of first-time buyers depended on a gift from a relative or friend to help with the down payment. This brings us today’s topic, which is how to gift money to help a home buyer purchase their first home. In 2021, you can give up to $15,000 in cash or assets to another person without having to worry about the federal gift tax. For a married couple giving to a child, that adds up to $30,000. In addition to a first-time buyer’s savings, that could be enough to make a home purchase possible. However, in many cases it isn’t. If a couple decides to gift more than $30,000, they will need to file a gift tax return. Before making a gift, check with your tax advisor

to see what works best in your situation. Another idea is the First-Time Homebuyer Savings Account (FHSA). This type of account was approved by Colorado State Legislature (House Bill 16-1467) and became available in 2017. Any Coloradoan can set up this account to be used towards a down payment and anything included on the settlement statement such as closing costs, inspections, and lender fees. Setting up an FHSA allows the down payment to grow free of Colorado taxes on any gains in the account. Up to $50,000 in principal can be placed in the account and it can grow to up to $150,000 tax-free. The tax benefit isn’t all that remarkable in and of itself, but it does help. Perhaps even more important is that it creates an automatic system for monthly contributions to ensure that the savings grow. In addition to any gifted funds they might receive, first-time home buyers can make their own contributions to the FHSA. There will be an annual contribution cap of $14,000 ($28,000 if filing jointly). There is no time limit on how long the account can be open. That means a grandparent can even open an account now to start saving for their newborn grandbaby’s future home. To qualify for a FHSA you need to be a first-time homebuyer, but there are exceptions. If you were married and owned a home with your spouse but you have been

divorced for three years, you still qualify. You can buy a home with someone that has owned a home, just as long as you haven’t owned a home before. It is easy to get started! Almost any kind of account you can have set up in a financial institution can be in a FHSA Account. Examples are savings accounts, money market account, CDs, stocks, bonds, mutual funds and even insurance. If you are just getting started you can open up a new account, or you can designate an existing account to become your FHSA. In this season of giving, why not get someone started with a gift and then help create a plan for monthly contributions to an FHSA to save up for a specific down payment by a specific date. Be sure to consult a financial planner, accountant, mortgage loan officer, and REALTOR® to create a plan that’s just right for you and the first-time homebuyer. To learn more, visit: nar. realtor/newsroom/home-buyersmotivated-by-desire-to-be-closerto-family-and-friends-sellerscollected-full-asking-price 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.

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December 4, 2021

ASK ANGI

How does ‘red-tagging’ work? Paul F. P. Pogue Ask Angi (TNS) If you’ve ever had a significant problem with your gas-powered HVAC system, you’ve probably heard the term “red-tagged.” (And if you haven’t yet, there’s every chance you will someday, given that most HVAC systems have a lifespan between 10 and 20 years.) Whatever the circumstances, red-tagging means that you need to prioritize repairs immediately. A red tag may be placed by an HVAC tech or a worker for the utility company. This means a gas-powered appliance cannot be safely operated until a situation is resolved. Furnaces, stoves, water heaters and gas dryers are all subject to being red-tagged. Different states and utility companies have their own regulations about how redtagging works, so if you get one, it’s a good idea to read up on your local laws. In some cases, only utility company workers can issue a red tag. Numerous problems can lead to a red tag. Some of the most common are carbon monoxide leaks, gas leaks, and fire hazards. Many times, a cracked heat exchanger is the culprit. Such cracks can allow gas or carbon monoxide or both to flow

In the event of a gas or carbon monoxide leak, an inspector may red-tag an HVAC system. (Dreamstime/TNS)

into the living area, which is extremely dangerous. Most of the time, red tags will follow one of two types. Type A red tags mean the situation presents immediate danger, such as some kind of gas leak. The technician will shut down your gas immediately until the issue can be ﬁxed. Type B tags indicate a serious problem with no immediate danger. In these cases, you should get the issue repaired as soon as possible, but the gas can still be running in the meantime. In some cases, it might be applied by a utility inspector who will require you to resolve the problem in a certain amount of time.

won’t have many years left in it. A new furnace will cost between $2,000 and $6,000 on average, depending on the size of your house and type of furnace. Make sure you ask the cost of potential replacement when planning a major repair. If you’re worried that the redtagging may have taken place in error, hire another reliable HVAC company for a second opinion.

Repair costs for red-tagged furnaces can vary greatly. It could be anything from a poorly sealed line to a broken central unit. Your HVAC pro should be able to provide a detailed explanation of the problem and a written estimate for the work that will need to be done. A cracked heat exchanger will usually cost around $1,500 to repair. If your older furnace has been red-tagged with a major issue, it may be a better idea to replace it entirely rather than repair. A furnace older than 15 years probably needs to be replaced rather than repaired; even if you’ve kept it in pristine condition and maintenance, it

BUYING * SELLING * INVESTING

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

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December 4, 2021

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Real Estate

Loni L. Ferrier, REALTOR® 970-689-1192 loniferrier@comcast.net www.loniferrier.homesandland.com ATHOMECOLORADO.COM

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QUICK GUIDE

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December 4, 2021

DESIGN RECIPES

People who decorate for the holidays appear friendlier, study ﬁnds Avery Newmark Atlanta Journal-Constitution (TNS) If you haven’t already started decorating for Christmas, get to it. People who decorate for the holidays are happier and appear friendlier to their neighbors, according to research listed in the Journal of Environmental Psychology. The study is based on previous and present research where participants were asked to rate the friendliness of strangers based on pictures of their houses. The homeowners self-reported their sociability by rating their social contact with neighbors as low or high. Homes that were decorated with twinkling lights and bows, even if the people who lived there were not social, were rated high because the houses appeared more “lived in” and “open.” Undecorated homes were given low sociability scores.

People who decorate for the holidays are happier and appear friendlier to their neighbors, according to research listed in the Journal of Environmental Psychology. (Dreamstime/TNS)

“As expected, a main effect for the decorated factor indicated that raters used Christmas decorations as a cue that the residents were friendly and cohesive. Decoration interacted with sociability in a

complex but interpretable way,” researchers wrote. The results highlighted the social impact of Christmas decorations and how they’re used to communicate with neighbors.

Researchers also suggested that decorating your home’s exterior for the holidays could be a way to participate in social activities and gatherings in the neighborhood.

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Innovative new plan by Aspen Homes in hottest new Berthoud neighborhood. 3 car garage w/bright open plan.Kitchen w/island,pantry,granite & choice of SS or slate appliances.Master suite w/lg bth,walk-in shower,2 sinks, walk-in closet.Covered rear patio & front porch. Tankless H20 heater,95% eﬀ furnace w/advanced sealing pkg, HERS energy tests, E-Star windows, passive radon. Non-potable water usage fee in addition to HOA fee is buyers responsibility.

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VISIT OPENHOMES.ATHOMECOLORADO.COM OR CALL 303.473.1456, 303.684.5329 At Home Northern Colorado

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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 • Morgan & Eric White -- 24525 Carlin St., Steven & Billie Stumbo, $365,000. Berthoud • Catherine Peterson -- 681 Great Plains Ave., Mission Ventures Llc, $312,700. • Regina Sidoti -- 748 Grand Market Ave., Rodney Mitchell, $378,000. • Dominic Dauria -- 528 Redwood Circle, Tiffany Elizabeth Kloos, $470,000. • Tyrel and Aimee Trainor -2462 Tabor St., Neil S Honda, $505,000. • Evan Langran -- 1189 Blue Bell Road, Richmond Am Homes Colo Inc, $525,000. • Richard Calvo -- 1171 Blue Bell Road, Richmond Am Homes Colo Inc, $550,000. • Tyler and Angela Groth -- 1076 Green Wood Drive, Richmond Am Homes Colo Inc, $608,700. • Samuel and Molly Odonnell -331 Capitol Reef St., Artesia Lot Holdings Llc, $617,100. • Sean and Bridget Teeuwe -- 640 10th St., Richmond Am Homes Colo Inc, $617,100. • James and Tricia Bynum -- 1075 Gabriella Lane, Richmond Am Homes Colo Inc, $711,500. Eaton • Jacqueline Slade -- 311 Cheyenne Ave., Nicole Nelson, $223,000. • Madonna Baucum -- 1760 Westward Circle Unit 3, Legacy Devl Llc, $328,500. • Gregory and Roberta Sandin -- 1741 Westward Circle Unit 1,

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Legacy Devl Llc, $337,500. • Jason Kuehne -- 115 Elm Ave., Dustin J Merrill, $382,000. • Kristopher Bayne -- 640 S Mountain View Drive, Bradley and Stacey Bayne, $425,000. Evans • Gerard and Nancy Karlin -- 3021 11th Ave. Apt 16, Topgun Invest Management Llc, $180,000. • Mitika Little -- 3015 Sunset Drive, Laurie Kimble, $258,000. • Jose Garcia -- 3613 Montrose St., Edward L Keever, $305,000. • Hseh Meh -- 3212 15th Ave., Francisco J Montanez, $359,800. • Marcos Castro -- 4233 Phlox Lane, Richard Larry Trujillo, $385,000. • Ryan and Marisa Grant -- 4319 Sunﬂower Road, Kenny Najera, $400,000. • Diana and Lloyd Weinmeister -3901 Harbor Lane, Jacob David Salzman, $400,000. • John Jennings -- 3209 San Marco Ave., Niccolo G Grando, $430,000. • Nicholas Montano -- 3602 Stagecoach Drive, Christopher and Carmen Rundell, $446,000. Fort Lupton • Jeremiah Blagowsky -- 253 Ponderosa Place, Clinton and Janella Woods, $302,500. • Laura Reitman -- 40 Kahil Place, Christine M Carder, $430,000. • Rodolfo Pelagio -- 2132 Mountain Sky Drive, Melody Homes Inc, $449,400. • Sean Birmingham -- 701 Rollie Ave., Dyron and Lorena Kofﬂer, $450,000. • Robert Faulkner -- 10691 County Road 23, Ronald and Shari Woodcock, $875,000. Gill • Matthew and Ruby Vlcej -- 33726 County Road 61.5, Angela Miller, $615,000. Greeley

• Amity White -- 1525 7th St., E Spear Invest Llc, $290,000. • Nancy Brunner -- 512 N 28th Ave. Court, Lars A Bondhus, $300,000. • Kyle Guillette -- 1515 12th St., Felipe and Sam Coronel, $305,000. • Bradley and Jennifer Rosenbaum -- 115 24th Ave., Gregory Alward, $306,500. • Sarah Campbell -- 2423 W 25th St., Matthew Smith, $308,000. • Alexandro Macias -- 1729 14th Ave., Ben Ronquillo, $320,000. • Sharon Tow -- 4902 29th St. Unit 4b, Brock E Riemenschneider, $338,800. • Thu Ka -- 4210 Lake Mead Drive, Susan Diaz, $340,000. • Carlos Aparicio -- 2622 Aspen Ave., Michael Jon Stack, $340,000. • Erika Cruz -- 1027 E 24th St. Road, Matthew and Alicia Brown, $345,000. • Jorge and Oscar Juarez -- 2852 39th Ave., Thomas and Jane Tuminello, $352,000. • Carla Jesse -- 3563 W 21st St. Road, Freida Hergert, $363,500. • Magdalena Reinsvold -- 1625 15th Ave., Redﬁnnow Borrower Llc, $373,000. • Merri Conley -- 343 50th Ave., Robert and Hazel Gibson, $380,000. • Zachary Benjamin -- 513 39th Ave., Cody Tyler Bush, $380,000. • Antonio and Jeannine Montes -- 3903 W 7th St., Edward and Barbara Hall, $400,000. • Cynthia Foster -- 4918 W 2nd St. Road, Barry and Lucie Shelofsky, $415,000. • Megin West -- 2118 79th Ave., Elizabeth and William Trujillo, $415,000. • Sidney and Kalie Holliday -- 3123 50th Ave. Court, Aaron and Megan Ruder, $425,500. • Julia Foster -- 371 49th Ave. Place, Tamara Sterling, $435,000. • Alvaro Hernandez -- 1903 88th Ave. Court, David and Lauren Arcady, $440,000.

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• Sondra and Patrick Gomez -6619 7th St., Hartford Constr Llc, $447,700. • Brandon and Ashlie Haynes -- 1125 103rd Ave., Tiffany and Nicholas Gautier, $455,000. • Paula Bruning -- 1357 43rd Ave. Unit 12, Mary and Robert Billings, $469,900. • Guy Mordechai -- 6409 W 21st St., C C Open A Llc, $477,000. • Dominick Neves -- 1228 103rd Ave. Court, Bartran Constr Inc, $478,700. • Sherwin and Kerri Reynolds -1618 69th Ave., Ivan and Sheryl Wittstruck, $539,000. Johnstown • Bryan and Tina Ostreim -- 5154 Ravenswood Lane, Zillow Homes Property Trust, $395,000. • Deana Sparks -- 3918 Hunterwood Lane, Zillow Homes Property Trust, $419,000. • Dominic and Zuhal Gomez -3860 Balsawood Lane, Samuel and Stephanie Lewis, $432,000. • Richard Hall -- 4623 Wildwood Way, Michael and Kim Velotta, $450,000. • Dezzie Lujan -- 2597 Osprey Way, Melody Homes Inc, $451,000. • Dale and Janice Nelson -- 466 Pioneer Lane, Gene and Bonnie Cope, $480,000. • Lisa Romani -- 2611 Osprey Way, Melody Homes Inc, $485,100. • Mxolisi and Erica Myeni -- 3360 Butternut Lane, Zillow Homes Property Trust, $505,000. • Patrick and Joan Brayley -- 1211 N 4th St., Paul and Tiffa Seevers, $520,000. • Donald and Jane Nunes -- 2434 Black Duck Ave., Andrew and Tiffani Crawford, $614,000. Keenesburg • Michelann Cordero -- 510 Jordan St., Lgi Homes Colo Llc, $363,500. • Marcos Mondragon -- 512 Jordan St., Lgi Homes Colo Llc,

December 4, 2021

$429,900. • Lance and Misty Prater -- 5473 County Road 63, Lcyoa Trust, $758,500. La Salle • Thomas Willeford -- 325 S 3rd St., John and Tarhata Shirley, $250,000. • Grant and Hannah Shade -- 216 Ley Drive, Justin Dale, $320,000. • Harlie and Stephen Zehnder -23905 County Road 42, H and Melissa Downs, $678,000. Loveland • Tatjana Vorobjova -- 1672 Oak Creek Drive, Donald D Walker, $308,000. • Michael and Carrie Keirns -- 2016 Lily Drive, Marcel Montanez, $350,000. • Austin and Ashley Bardas -- 2432 Bismarck Ave., Ila M Samson, $375,000. • Jeffrey Shirley -- 610 W 1st St., Carlos E Parra, $380,500. • Marcel and Nicole Montanez -- 1243 W 45th St., Mona J Reynolds Brown Trust, $420,000. • Caitlin Allison -- 203 Green Teal Drive, Becky L Scohy, $428,000. • Jon and Angela Krauss -- 1425 Falls Court, Lisken and Jamie Hays, $434,900. • Jong and Myung Ko -- 3431 Booth Falls Drive, William Lyon Homes Inc, $458,200. • Nick Gordon -- 4553 Sunshine Circle, Chelsee Brooke Martinez, $460,000. • Caleb and Shannon Owsley -1608 Jo Ann Court, Steven and Mary Schaftel, $475,000. • Brennan King -- 3648 Higgins St., David K Urion, $482,000. • James Merrill -- 1738 Nucla Court, Bruce G Summers, $486,000. • Julie Rhoades -- 2484 Trio Falls Drive, Carolyn K Dale, $490,000.

• Ashley and Nicholas Petersohn -- 222 Sierra Vista Drive, Recycled Properties Llc, $490,000. • Joshua and Alaina Bryant -- 1421 Antero Drive, Matthew M Smith, $500,000. • Rebecca Shepherd -- 27333 Hopi Trail, Sharlene N Vanderslice, $525,000. • David Barlass -- 4578 Obrien Drive, Kristopher Lee Kluge, $530,000. • Keith and Martha Slover -- 3425 Oberon Drive, Daniel and Eva Telk, $589,000. • Patrick Sparks -- 3005 Glendevey Drive, Amanda and Chase Geist, $610,000. • Ryan and Jillian Workman -1789 La Salle Drive, Bridgewater Homes Llc, $615,200. • Lyle and Faith Zimmerman -4560 Wolcott Drive, Sandra and Paul Bogenhagen, $655,000. • Michael Allen -- 204 Lake Park Drive, Artesia Lot Holdings Llc, $663,800. • Julia Lackey -- 686 Rossum Drive, Margaret B Mcdavid, $700,000. • Andrew and Susan Burns -- 995 Crabapple Drive, Verl and Ann Brown, $706,500. • David Bertsch -- 1216 King Drive, Mark and Lea Grundy, $1,450,000. Milliken • Haili Shimko -- 1015 Sunrise Circle, Robert Damon Hufford, $410,000. • Tanner Kaufman -- 2504 Carriage Drive, George and Rosemary Miller, $415,000. • Darien Molina -- 882 S Carriage Drive, Eric and Miranda Hays, $415,000. • Danielle Stravino -- 1495 Plumeria Drive, Windmill Homes Co, $445,900. • Lisa Maya -- 1910 Fox Glove Lane, Windmill Homes Co,

$496,000. • Steve and Chrystal Wolery -- 1184 Dawner Lane, Matthew and Kristine Beno, $660,000. Platteville • David and Mandy Hydock -16461 Essex Road S, B B Kind Llc, $144,100. • Justin and Kelsie Dale -- 16498 Ledyard Road S, Robert and Sandra Knapton, $188,000. • Christopher and Carmen Rundell -- 16491 Fairbanks Drive S, Robert and Mindy Faulkner, $848,000. Severance • David and Danna Hartline -- 1240 Lily Mountain Road, Melody Homes Inc, $492,900. • Kyle and Kate Hart -- 1270 Wild Basin Road, Melody Homes Inc, $506,700. Timnath • Carol Spaulding -- 5783 Soto Way, Hartford Constr Llc, $458,600. • Molly and Eric Oltrogge -- 5360 Kellan Way, Richmond Am Homes Colo Inc, $689,900. • Jay and Evelyn Spiller -- 1015 Terrace View St., Robert and Donna Webb, $900,000. • Lucas Lansing -- 3969 Cashen Lane, Bk West, $1,249,900. Windsor • Lindy Goveia -- 1102 Valley Place, Randall A Marquez, $438,500. • Andrew and Mercedes Harmon -- 1780 Long Shadow Drive, Tessa M Gaston, $442,000. • Richard Gray -- 829 Charlton Drive, Daria Jalali, $447,000. • Katie Knudsen -- 1644 Sorenson Drive, Keegan Specht, $475,000. • Kelley Eden -- 5768 Shadow Creek Court, Richmond Am Homes Colo Inc, $477,300.

Amenities include:

Resort Style Living at the base of the “Twin Peaks”

• Granite Counters Throughout • Wood Style Plank Flooring • Stainless Steel Appliances • Full Size Washers & Dryers • Garages Available • Dog & Cat Friendly*

• Deborah and Gerald Albright -- 200 13th St., Harold and Irene Drieth, $480,000. • Reuben Smith -- 1926 Raindrop Drive, Melody Homes Inc, $504,000. • Kent Oneil -- 1920 Raindrop Drive, Melody Homes Inc, $507,700. • Angela Roehl -- 1220 Fairﬁeld Ave., Steven and Alicia Ready, $515,000. • Jacqueline and Willis Gresham -5009 Hawtrey Drive, Aspen View Homes Llc, $519,300. • Linda Day -- 1869 Tinker Drive, Leevan and Danielle Sands, $523,000. • Danielle and Daniel Roth -- 1903 Rolling Wind Drive, Melody Homes Inc, $530,700. • Xiao Yuan -- 4510 Bishopsgate Drive, Melody Homes Inc, $542,000. • Ian Jesse -- 1984 Blue Moon Drive, Gh Colo Llc, $544,200. • John and Tracey Smithbaker -1943 Rose Petal Drive, Melody Homes Inc, $573,900. • Helen and Cooper Gordon -1647 Illingworth Drive, Richmond Am Homes Colo Inc, $610,200. • Malinda Mascarenas -- 610 Oak St., Robert Lind Trust, $640,000. • John and Renee Drahota -- 2124 Gather Drive, Artesia Lot Holdings Llc, $652,900. • David and Kelly Misuraca -1785 Beachside Drive, Juma Llc, $820,000. • Pearl Tatman -- 1777 Beachside Drive, Juma Llc, $1,246,200. Michaelene Pavek -- 7382 Spanish Bay Drive, Stephen and Ginger Masted, $1,250,000.

Community Amenities include:

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At Home Northern Colorado

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303.444.3177 klrealty.net team@klrealty.net December 4, 2021