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Saturday Reporter-Herald August 27, 2011 D1
www.reporterherald.com Saturday, August 27, 2011 Reporter-Herald
Real EstateMatters
• •
MilestoneforOakwoodHomes
PAID ADVERTISEMENT
When you look across Thomp-son River Ranch, you cansee over 300 homes in this
continually fast growing community.From its location, it’s easy to get tofrom anywhere in Northern Col-orado. Easy access has been a hugedraw for families through Loveland,Greeley and Fort Collins since it isright in the middle at Interstate 25and U.S. Highway 34. Thompson Riv-er Ranch was opened in 2006 andnow has nearly 300 homeowners fiveyears later.With the fast growth of the com-
munity, it has helped OakwoodHomes to soon close its 10,000thhome in Colorado and ready to buildmany more starting in Loveland withtheir 20/20 promotion this week-end. The promotion, which was a bighit through August (nine sales inAugust alone), was extendedthrough September 20 especially forthis milestone, which they plan toreach by the end of August.For those that missed its first of-
fering, it gives every buyer 20 points(for Oakwood’s 20 years of buildinghomes) to use toward a large list ofpoint-designated choices to put intotheir home for free. Whether it’s up-grading your kitchen, adding a spabath or simply having closing costscovered, the control is in your handsas to what items on the list Oakwoodwill include for free.“Buyers fall in love with the area as
soon as they visit, so the 20/20 pro-motion has been an added bonus,”said Dwayne Montoya, communitymanager for Oakwood Homes.“Some buyers enjoy being able toadd choices they wouldn’t have se-
lected previously, while others preferthe more affordable route and pickchoices they would have added re-gardless.” These choices allow everyfamily to truly have the exact homethey want. “It’s completely up to the
family in personalizing their home.”Through September 5, Oakwood’s
Gilpin model will be on display aspart of the Parade of Homes. Being aunique, open floor plan, it’s definite-ly a big hit for buyers in ThompsonRiver Ranch with 1,531 finishedsquare feet above ground and up tofive bedrooms and four bathroomswith a basement starting as low as$171,300.With four homes currently
available for quick move-in, two ofthem are Gilpins. Both priced in
the low $200s, it’s a spacious yetaffordable choice even comparedto resale homes so visit them thisweekend for the Parade of Homes tosee it and the other models open toview.Contact Mike Welty or
Dwayne Montoya at 970-669-9801for additional information on thecommunity. You can find moreinformation on Thompson RiverRanch or start building andpersonalizing your home today atwww.OakwoodHomesCO.com.
“Buyers fall in love with the areaas soon as they visit,so the20/20 promotionhas been an added bonus.”
—Dwayne Montoya, community manager for Oakwood Homes
Amid its 20/20 promotion,Oakwood Homes isnearing 10,000 homes sold
in Colorado.
Making extrapayment willreduce loanterm five yearsILYCEGLINKTRIBUNEMEDIA SERVICES
Question: In one of your re-cent articles, you addressedthe point of making one ex-
tra mortgage payment a year to re-duce the term of a mortgage. Yourresponse states that doing this willreduce the term of a 30-year mort-gage by 12 years, which is incorrect.It’s closer to 5 years; term will be re-duced to around 25 years.The interest savings over the life
of the loan is huge, though.Answer: Thanks for that catch.
You are generally correct that mak-ing an extra payment each year onyour loan will reduce the length ofthe term of your loan between fourand six years.One reason the timeline differs is
that the earlier you make a prepay-ment, the greater your prepaymentworks for you. But you will also havegreater results with a mortgage thatcarries a higher rate of interest.I ran some numbers on an online
mortgage calculator. Let’s assumeyou buy a house and take out a 30-year fixed-rate loan at 7 percent for$200,000. Your monthly paymentwould be $1,330.60. If you madeone extra payment per year, you’dpay off the loan in 24 years, savingsix years of payments.But what happens when you get
the same loan at 4 percent? Yourmonthly payment is just $954.83, asavings of nearly $400 per month.But if you make one extra paymentper year, you’d pay off the loan in 26years, saving only four years of pay-ments.Why is that? It turns out that the
lower the interest rate on the loan,the less effective it is to prepay yourmortgage. You’re paying less interestoverall (which is good), but youcan’t make the numbers work quitethe same way.If your monthly mortgage pay-
ment to your lender includes anamount equal to your real estatetaxes and insurance, you will accel-erate the prepayment of your loan.That’s because instead of makingone extra payment, it may be asmuch as two or more.For example, if you made an extra
annual payment of $1,900 (orroughly twice the regular payment)on the 30-year $200,000 loan at 4percent, you’d save seven years ofpayments rather than just four. Ifyou made a $2,700 extra payment(three times the regular payment),you’d pay off your loan in 21 years.But if you had the same $200,000
loan at 7 percent, and you made a$2,700 extra payment each year(which is just twice the $1,330monthly payment), you’d also bringdown your loan term to 21 years.Again, having a higher interest ratemakes prepaying work better.I should have clarified that point
in the prior article. Thanks for yourcomment.
www.HomeStateBank.com(970) 203-6100
An FHA 203(k) mortgage allows you to finance both your homepurchase and renovation with a single loan. Call now to learn more.
Loans and rates subject to credit approval. FHA conditions and restrictions apply.
Vivian DeVoe, VP Mortgage Banker, 970-227-4702
Buying a home that needs work?Call the experts in FHA 203(k)renovation financing.
Think big Bank small
D2 Saturday Reporter-Herald August 27, 2011
OPEN Saturday 1-3 PM 2+Acre Lake front& horse lots starting $225,000 water tapincluded. Surface rights, walk paths, parks,boat docks, fishing and peace garden.
Warberg Farm at Chapman Reservoir
SALES OFFICE OPEN SATURDAY 1 - 3 PM
Ursula AlbersCentury 21 Humpal, [email protected]
New carpeting, a fully finished basement,first- floor master suite, with separatevanities, many upgrades throughout homeusing the best of everything. NOW $699,000!
728 Beaver Cove Court, Loveland 80537
OPEN SUNDAY 1 - 3 PM
Gayle SchinkPrudential Rocky Mountian, REALTORS970-215-4771gschink@prurmr.comwww.prudentialrockymountain.com
Brand new inside finishes w/ granite countertops in kitchen, stainless steel appliances,new paint throughout, new carpet, newgarage door opener, fresh exterior paint/trimand more. Stop by and see.
3780 Larkspur Dr. - Loveland
OPEN SUNDAY 1-4 PM
Charlene Hart970-690-4413 [email protected]
Peakview Meadows Sales office open Friday& Monday from 1-4, Sat 12-4 and Sunday11-3 Prices starting at $195,900. 5 Models tochoose from.
Peakview Meadows, Berthoud
OPEN SAT. 12-4 PM & SUN. 11-3 PM
Kurt Albers & Chris RamponeCentury 21 Humpal, Inc970-231-1224 Kurt970-430-0845 Chriswww.berthoud.org
Quality you have come to expect fromKeirns Construction. Double oven, separatecook top, Frigidaire appliances, granitecounters,raised panel cabinets, customfireplace, 5 ps master baths’s and more.
2175 Rio Blanco Ave, Loveland
OPEN THURSDAY - SUNDAY 1 - 4
Charlene Hart970-690-4413cliffjohnsonteam.com
Check out this all-redone home in a greatneighborhood! Granite counters, new carpet,paint, A/C and so much more! 3 BR, 2 baths,and room for more in 4th level. Seller wantsoffers!
3780 Larkspur Dr., Loveland
OPEN SATURDAY 1 PM - 4 PM
Betsy Gammill-HayesCliff Johnson Team Coldwell [email protected]@hotmail.com
Great 1 acre property in Indianhead Estateson corner lot with 3 car attached garage PLUSseparate 2 car/shop! Room for your RV’s &room to expand for additional garages! Likenew home. $379,000.
27847 Arikaree Rd, Loveland
OPEN SAT & SUN 1:30 - 3:00 PM
Maurine GarretsonColdwell Banker Plains Real Estate, Inc.970-396-9597 [email protected]/local/plains
A spacious new ranch w/a WALKOUT bsmt.Inviting open kit/dng/great room area, mainlvl laundry. Blt for energy savings, 2x6const, UPGRADES thru out. Quality built byWeinland Homes in Quail Run.
3402 Creede Court, Loveland
OPEN HOUSE SUNDAY 1 - 4 PM
Cory RobertsPremier Lifestyle Realty(970) [email protected]
UP TO $199,999UP TO $199,999 $200,000 - $299,999$200,000 - $299,999
$300,000 - $399,999$300,000 - $399,999 $500,000$500,000 ++
Visit our website at
Online + Print = a Powerful Combination!
homeandrealtyguide.com
Featured Properties
To add a listing or speak to an advertising representative,call the Reporter-Herald at 669-5050
For details about these open houses, see the ads in this section. For additional open houselistings, please check the “Real Estate Classifieds” section of this publication. This guide is
brought to you by the Daily Reporter-Herald, local real estate agents and area builders.
WWW.HOMEANDREALTYGUIDE.COM•CLICK ON OPEN HOUSE MAPS
saturday sundayPrice Location Address Hours Office Phone
From the $140,000’s Loveland 43rd St & Wilson Ave.,The Cottages at Enchantment Ridge
12 - 5 PM Cottage Realty, Team Cook 970-532-5900
From the $150,000’s Milliken 110 Traders Lane 12 - 3 PM The Group Inc., Tracy Wilson 970-567-0907
From $159,900 -$229,000
Loveland 1899 East 11th Street 10 AM - 6 PM Midtown Homes, WayneLewis
970-456-4600
$167,900 Loveland 4331 Filbert Drive 1 - 3 PM The Group Inc., NancyWalkowicz
970-461-7136
$169,900 Loveland 4403 Elliot Pl. 12 - 5 PM Cottage Realty, Team Cook 970-215-0515
Starting at $195,900 Berthoud Peakview Meadows 12 - 4 PM Century 21 Humpal, Inc.,Kurt Albers, Chris Rampone
970-231-1224, 970-430-0845
Open Friday - Sundayfrom the $200,000’s
Windsor 292 Saratoga Drive 1 - 4 PM The Group Inc., Jim Watson 970-219-5219
$200,000 - $299,000 Loveland Warberg Farm At Chapman Reservoir 1 - 3 PM Century 21 Humpal, Inc.,Ursula Albers
970-231-0548
$200,000 - $299,000 Loveland 3780 Larkspur Drive 1 - 4 PM Coldwell Banker, CliffJohnson Team, BetsyGammil-Hayes
719-250-5916
$239,900 Loveland 4496 Hayler Ave. 12 - 5 PM Cottage Realty, Team Cook 970-532-5900
$263,000 Loveland 1658 Stove Prairie Circle 1 - 3 PM The Group Inc., MaribethBergan
970-690-1735
$264,900 Berthoud Collins Park Subdivision 1 - 3 PM RE/MAX Alliancel, KathyBeadell
970-566-4627
$287,296 Windsor 4607 Pompano Drive 12 - 5 PM The Group Inc., KristenSpecketer
970-290-8097
$298,664 Loveland 4355 Ridgway Dr. 12 - 5 PM Cottage Realty, Team Cook 970-227-3893
$299,900 Loveland 1920 New Hampshire St. 12 - 5 PM Cottage Realty, Team Cook 970-227-3893
$299,900 Loveland 4454 Stump Ave. 12 - 5 PM Cottage Realty, Team Cook 970-532-5900
Open Thurs. - Sun.,from $300,000 -$399,000
Loveland 2175 Rio Blanco Ave. 1 - 4 PM Coldwell Banker, Cliff John-son Team, Charlene Hart
970-690-4413
$339,900 Berthoud 1723 Wales Drive 12 - 3 PM RE/MAX Alliance, LisaMoore
970-566-4629
$347,900 Loveland 920 Norway Maple 1 - 3 PM The Group Inc., RichGardiner
970-227-0964
Open Friday - Sundayfrom $357,000
Loveland 302 Lyra Place 1 - 3 PM The Group Inc., GeorgenaArnett
970-481-9801
$379,000 Loveland 27847 Arikaree Road 1:30 - 3 PM Coldwell Banker PlainsReal Estate, Inc., MaurineGarretson
970-396-9597
$379,945 Loveland 4790 Wisconsin Avenue 12 - 3 PM The Group Inc., Tracy Wilson 970-567-0907
Price Location Address Hours Office Phone
From the $140,000’s Loveland 43rd St & Wilson Ave.,The Cottages at Enchantment Ridge
12 - 5 PM Cottage Realty, Team Cook 970-532-5900
From the $150,000’s Milliken 110 Traders Lane 12 - 3 PM The Group Inc., Tracy Wilson 970-567-0907
From $159,900 -$229,000
Loveland 1899 East 11th Street 10 AM - 6 PM Midtown Homes, WayneLewis
970-456-4600
$169,900 Loveland 4403 Elliot Pl. 12 - 5 PM Cottage Realty, Team Cook 970-215-0515
$179,000 Loveland 1459 Cattail Drive 1 - 3 PM The Group Inc., DebbieGuinn
970-566-4626
Starting at $195,900 Berthoud Peakview Meadows 11 AM - 3 PM Century 21 Humpal, Inc.,Kurt Albers, Chris Rampone
970-231-1224, 970-430-0845
Open Friday - Sundayfrom the $200,000’s
Windsor 292 Saratoga Drive 1 - 4 PM The Group Inc., Jim Watson 970-219-5219
$200,000 - $299,000 Loveland 3780 Larkspur Drive 1 - 4 PM Coldwell Banker, Cliff John-son Team, Charlene Hart
970-690-4413
$219,900 Loveland 4782 Dillon Ave. 12 - 4 PM Cottage Realty, Team Cook 970-532-5900
$224,900 Loveland 503 Kathryn Court 1 - 3 PM The Group Inc., Diana Luthi 970-481-2692
$233,000 Loveland 2063 Calhoun Court 12 - 3 PM The Group Inc., Scott Mullen 970-690-8333
$239,900 Loveland 4496 Hayler Ave. 12 - 5 PM Cottage Realty, Team Cook 970-532-5900
$264,900 Berthoud Collins Park Subdivision 1 - 3 PM RE/MAX Alliance, KathyBeadell
970-566-4627
$287,296 Windsor 4607 Pompano Drive 12 - 5 PM The Group Inc., KristenSpecketer
970-290-8097
$298,664 Loveland 4355 Ridgway Dr. 12 - 5 PM Cottage Realty, Team Cook 970-227-3893
$299,900 Loveland 1920 New Hampshire St. 12 - 5 PM Cottage Realty, Team Cook 970-227-3893
$299,900 Loveland 4454 Stump Ave. 12 - 5 PM Cottage Realty, Team Cook 970-532-5900
Open Thurs. - Sun.,from $300,000 -$399,000
Loveland 2175 Rio Blanco Ave. 1 - 4 PM Coldwell Banker, Cliff John-son Team, Charlene Hart
970-690-4413
$300,000’s Loveland 3402 Creede Court 1 - 4 PM Premier Lifestyle Realty,Cory Roberts
970-215-9913
$300,000’s Loveland 4495 Ridgeway Drive 1 - 3 PM The Group Inc., JohnSimmons
970-481-1250
$315,000 Loveland 2469 Indian Hills 1 - 3 PM The Group Inc., Cindy Kurtz 970-962-6832
$339,900 Berthoud 1723 Wales Drive 12 - 3 PM RE/MAX Alliance, LisaMoore
970-566-4629
$347,900 Loveland 920 Norway Maple 1 - 3 PM The Group Inc., RichGardiner
970-227-0964
Open Friday - Sundayfrom $357,000
Loveland 302 Lyra Place 1 - 3 PM The Group Inc., GeorgenaArnett
970-481-9801
$379,000 Loveland 27847 Arikaree Road 1:30 - 3 PM Coldwell Banker PlainsReal Estate, Inc.,MaurineGarretson
970-396-9597
$379,945 Loveland 4790 Wisconsin Avenue 12 - 3 PM The Group Inc., Tracy Wilson 970-567-0907
$437,500 Windsor 6787 Spanish Bay Drive 1 - 3 PM The Group Inc., Nancy Maus 970-213-0554
$439,500 Loveland 2096 Vista Drive 11 AM -12:30 PM
The Group Inc., Nancy Maus 970-213-0554
$450,000 Loveland 2009 Morning Drive 12 - 2 PM The Group Inc., Jesse Laner 970-672-7212
$625,000 Loveland 3015 Challenger Point 1 - 3 PM RE/MAX Alliance, JenniferKelly Team, Rich Johnson
970-310-7223
$699,000 Loveland 728 Beaver Cove Court 1 - 3 PM Prudential Rocy MountainREALTORS, Gayle Schink
970-215-4771
Saturday Reporter-Herald August 27, 2011 D3
Mortgage rate update
30-year fixed
15-year fixed
5/1 ARM
This week Last week Trend
4.19%
3.43%
2.92%
4.19%
3.43%
2.92%
Home & Real Estateis produced everySaturday by the
Loveland Reporter-Herald.
EDITORIAL INFORMATION635-3656
DISPLAY ADVERTISING669-5050
CLASSIFIED ADVERTISING635-3650
For home and real estate advice,features and information, visitwww.homeandrealtyguide.com
Regional Snapshot for Loveland/Berthoud Residential
May June July
Active Listings 1004 973 938Previous Year Active Listings 1117 1101 1092
Sold Listings 126 155 134
Median Sales Price $200,000 $220,000 $208,958Previous Year Median $214,500 $234,000 $238,000
Average Days on the Market 107 121 103Previous Year ADOM 118 121 122
Year to Date Listings Sold 521 676 810Previous Year YTD Listing Sold 559 728 839
no change
no change
no change
H& Real Estate MattersRE
How servicers profit fromdelinquent borrowersILYCEGLINKTRIBUNEMEDIA SERVICES
Question: I read your article about astymied mortgage modification in mylocal paper, and I, too, am appalled at
the treatment many borrowers receive in themodification process.Most of the large lenders simply have not
staffed their servicing departments withenough knowledgeable people to handle theoverwhelming volume of requests coming in. Ithink much of the poor service is related tothat rather than the loan servicers’ desire tocheat customers or push their homes into fore-closure.I would like to know the reasoning behind
your statement in the article relating to ser-vicers of loans making more money when aloan goes into default than when a homeowneris current on a loan.I work for a large national lender that is in
the business of servicing loans, and I know for afact that we do not make way more moneywhen a property goes into foreclosure. Maybe Idid not read the quote correctly or I’m missingsomething.Answer: Thank you for your comment. Since
you work for a loan servicer, you know thatwhen a borrower makes payments on time, heor she provides your company with a stream ofincome over the life of the loan that is con-stant.However, once a borrower is delinquent on
his or her payments, or goes into default, theborrower will have to pay late fees and, depend-ing on the circumstances, other costs to keepthe loan from going into foreclosure. Thesefees are substantial and add up pretty quickly.Experts in your industry have told me that
those fees have become a significant source ofrevenue for loan servicers. In most residentialmortgages, standard loan documents providefor the lender to bill the borrower 5 percent ofthe monthly mortgage payment for any pay-ment that is late.If a borrower has a $150,000 loan with a
monthly payment of about $1,000, a late-pay-ing borrower will have to pay that loan serviceran additional fee of $50. If that borrower’s in-terest rate is about 7.5 percent, and he or sheis five years into the loan, the monthly paymentis made up of an interest payment of about$810 and a principal payment of about $190.The net effect is to raise the interest pay-
ment for that borrower while he or she is in de-fault by 5 percent to about 12.5 per-cent. That is an increase in theamount owed the servicer by the bor-rower. On top of that, there are otherfees that may be added that mayneed to be paid by the borrower.I want to be clear that when I was
talking about default, I was talkingabout borrowers who are not current,who may be quite delinquent in theirpayments, but who are not yet inforeclosure. They may be in a trial
loan modification, paying less than they origi-nally owed, for months or years while the in-vestor is deciding what to do. All the while, thefees add up.My article did not address the issue of
whether the servicer or the investor that ownsthe loan will make money once the loan movesthrough the court system and goes into fore-closure (they may not). My point was that if theborrower pays the fees and is able to get cur-rent on his loan, the servicer and the investorhave increased the amount of money that hascome in from that loan.These days, it seems that companies are
making more money on additional fees and ex-penses than on the price of the product.I appreciate that you believe that your em-
ployer, a national loan servicer, has been unableto hire and maintain qualified people to servicethe wave of people seeking loan modificationsand assistance. But if the bank felt that itwould make more money modifying loans thanforeclosing on those borrowers, your employerwould have put enough resources into servicingloan modifications almost three years after thehousing crisis started.Finally, if you are right — that lenders are
not making money on the borrowers they ser-vice that are severely delinquent and in dangerof foreclosure, but rather that they would makemore money by modifying their loans andkeeping them as non-defaulted customers —then shame on them for failing to hire, trainand maintain adequate staff to process the pa-perwork needed by their customers.Question:We refinanced and took money
out of our home in 2005 with a Texas home eq-uity loan at 7.5 percent. Whenever I have askedabout refinancing with any one of numerousmortgage companies, I have been told that anyrefinance would have to be a Texas home equityloan and the interest rate would be higher thanthe lower rates advertised for mortgages.I talked to a representative from a big box
lender, and she called it a consumer loan andtold me that if we tried to pay money towardthe principal, it would not shorten the term.The payment would only be reduced. I paid$1,000 toward the principal and for the next 3months our payments went only to interest.Please help me understand this situation and
how I can change it in any way. We still have 15years on the note and we owe about $100,000.I hate this situation.Answer:When you refinanced back in 2005,
you took out a home equity loan rather than
obtaining a traditional mortgage. It may havebeen that it was easier for you to obtain theTexas home equity loan at that time.In any case, it appears that Texas has quite a
number of specific rules relating to how andwhen you can take out a home equity loan. Themaximum amount you can take out in a Texashome equity loan is 80 percent of the home'svalue.You may have taken less than 80 percent
when you refinanced in 2005, and the key foryou now is to find out what the rules are foryou to refinance out of the Texas home equityloan into a traditional mortgage.It may be that your loan balance has to go
down by a certain percentage before you quali-fy to refinance your equity loan. You may alsoneed quite a bit of home equity (the differencebetween what you owe and what your home isworth).If the ratio of the loan amount to your home
value is low, you should be able to find a lender
to assist you. However, if your loan value isquite high relative to your home's value, youmight have to offer to pay down some of thedebt in order to refinance the loan into a tradi-tional mortgage at today's low rates.The big box lender was telling you that youmight be able to get a mortgage with them ifyou came up with cash to refinance. If youowe $100,000 on your Texas home equityloan, you might have to pay $20,000 toget an $80,000 mortgage. The numberswill depend on what you owe on your eq-uity loan, the value of the home and theamount you want for a new loan.If you refinanced in 2005 when your
home value had gone up substantially,and if now your home's value has gone down, itmight not be possible to refinance out of yourcurrent loan.Talk to a lender you trust. If you trust the
person at the big box lender, talk to that per-son again and ask more questions so that youunderstand what the lender will require to ap-prove a new primary loan for your home.From what we can tell from your letter, the
information you've received about your Texashome equity loan appears to be accurate. Equi-ty loans are frequently treated differently thanmortgage loans — in particular, the manner inwhich interest is processed. Texas has stringentlending rules, which has allowed it to escapesome of the damage caused by the recent hous-ing crisis.We haven't looked at your documents, so we
can't know for sure. If you have questions aboutthe legality of your loan, or if you need some-one to explain what your documents mean andwhat limitations you face with regard to refi-nancing your loan, please consult with a realestate attorney or a trusted mortgage loan offi-cer.
For more information, callGlink’s radio show at800-972-8255 on Sundaysfrom 9 to 10 a.m., write to RealEstate Matters Syndicate, P.O.Box 366, Glencoe, IL 60022 orvisit www.thinkglink.com.
Real Estate Matters
CindyKurtz
970-613-0700office
970-679-1545office direct
970-962-6832mobile
Cindy’s Featured Listings
www.thegroupinc.com
5008 Saint Andrews Drive • Loveland $119,900Don’t miss your chance at one of the last lots onLoveland’s prestigious Mariana Butte Golf Course.This lot backs to the 9th fairway. Enjoy greatmountain views as well as abundant wildlife. Bringyour own builder. MLS# 653295
3375 Westerdoll Avenue • Loveland $330,000Bright and sunny ranch style home. Great pricefor desirable Seven Lakes neighborhood. Vaultedceilings, large kitchen, 3 bdrm and office. Cozyfireplace upstairs and gas stove frpl in basement.Basement is partially finished. Lovely lot thatbacks to greenbelt and has mountain views.Large patio with Pergola. MLS #662455
3555 Capitol Peak Drive • Loveland $350,000Gorgeous ranch style home, rich wood floors adornthe entry, kitchen and eating areas. Alderwoodcabinetry in the spacious kitchen and butler pantryarea. Private master bedroom has large walk-in closetand luxurious 5 pc bath. The full unfinished basementis garden level which provides lots of light. Outdoorliving includes large deck, new installed stampedconcrete patio and gas line for BBQ. MLS# 659371
935-937 Douglas Avenue • Loveland $185,000All brick duplex that backs to park. Open floor planwith 2 large bedrooms, updated baths and a largeeat-in kitchen. Both sides are currently rented andhave good rental histories. Each side has separateback yards. MLS# 652253
NEWNEWNORTHERNNORTHERNCOLORADOCOLORADOHOMESHOMES Megan Wachtman
8z Real EstateBroker/Owner
970-217-7977www.MeganWachtman.8z.com
www.cohomefinder.comA better way to buy and sell a home in Colorado!
Priced from $270K
www.CosBuilders.com
Priced from $210K
New Construction
17-326536
• $3,000 BUYER CREDIT
MONTHLY PAYMENTS
• STARTING AT $999• OVER 10 MODELS
• CONNECTED TO CITY TRAIL
GREAT VALUE
GREAT COMMUNITY
GREAT LOCATION
NEW HOMES
FROM
$159,900 - $229,900
Sales Office Open 10-6 Daily1899 East 11th Street, Loveland, CO 80537
Phone: (970) [email protected]
FHAApproved Community
Loveland, Colorado
D4 Saturday Reporter-Herald August 27, 2011
Renovatethin lawns
H& Front Range GardeningRE
ALIE RICHCSU EXTENSION
Question: I don’t want tobring it up, but fall is onits way. Are there vegeta-
bles I can plant that will maturein time before frost?Answer: It seems crazy to start
thinking about planting fall cropsjust as our spring planted cropsare reaching maturity. Besidesharvesting our bounties, there aremillions of weeds to be pulled,flowers to be deadheaded and weare all making sure our plants aregetting the water they need dur-ing these hot days. But, yes, it istime to start thinking aboutplanting for fall.Here are some things to keep in
mind to ensure you will be reap-ing the rewards of fall plantedcrops well into the cooler months.First off, it’s time to pull up
those early season plants thathave passed their prime. The bolt-ed lettuce, shriveled up pea podsand broccoli are ready to bepulled to make room for the new.Put old, tired plants in your com-post pile (unless diseased), thenaerate and replenish the soil byforking in some compost and or-ganic fertilizer. Rake the surfacesmooth— now you’re ready tosow something new.For good, late-summer germi-
nation, it is important to keep thesoil surface from drying out. Youmay have to provide some shadewith the use of wire hoops orshade netting. The natural shadefrom a trellis or tall plant canprovide a good spot for seeding asecond crop.The average first killing frost
happens in Colorado during thefirst two weeks of October, butcan come as early as the firstweek of September. So it is impor-tant to select plants that willreach maturity in 50 days or less.Plants that thrive in Colorado
fall weather include:• Root crops including carrots,
beets, turnips and radishes can bedirectly sown into the ground
throughout the summer untilmid-September. Roots sown inSeptember will be ready to har-vest in November. However, har-vests may be delayed even longerin the cooler months if roots arekept in the ground and are cov-ered with extra soil, a heavy layerof straw or a thick rug.• Brassicas such as Bok Choy,
cabbage, cauliflower, brusselsprouts, broccoli and kohlrabi arebest started indoors in June orJuly and planted outdoors in Au-gust or September. You may stillfind some seedlings at local nurs-eries. Plants sown in Septembershould be ready to harvest inNovember depending on tempera-tures and size of seedlings plant-ed. Most brassicas can withstandlight frosts with little damage.• Pea seeds germinate best at
soil temperatures of 50 to 77 de-grees and will emerge in six to 14days. Fall plantings of peas canthrive or fail depending on falltemperatures. For best results,choose a variety with the lowestdays to harvest. Some gardenerssay they have better luck withbush peas rather than traditionalclimbers for a fall crop.• Swiss chard, kale, collards,
Asian greens, spinach and allkinds of salad greens can be re-planted in August or Septemberfor fall harvest. Shade newseedlings from the late summerheat. As temperatures cool, re-move the shading so they getgood sun and set up a shelterfrom the frost. Some greens, likekale and collards, can be harvest-ed well after the first frost. Har-vest as needed until the foliage fi-nally succumbs to cold weather.
Alie Rich has received trainingthrough Colorado State UniversityExtension’s Master Gardenerprogram and is a MasterGardener volunteer for LarimerCounty. For more informationabout CSU Extension, LarimerCounty, call 970-498-6000 orvisit www.larimer.org/ext.
Vegetables can stillbe planted beforethe arrival of frost
CAROLO'MEARACSU EXTENSION
Paying house calls on sick lawnshas taught me a lot about life.Mostly, I’ve learned that my fa-
ther was right when he told me to gointo a job like computers, where Icould earn a decent wage staying in-doors where it’s air conditioned. Butlike most children, I didn’t listen, andnow spend many days under the broil-ing sun sleuthing out the cause ofgrass problems.In case anyone has missed the past
month and a half, it’s hot outside. Theheat and dry weather has lawns check-ing out for the season. And the hugebrown spots that grew in yards haspeople thinking of renovation asSeptember draws near.If your lawn looks as if it’s a well-
worn rug and underwhelms the neigh-bors every year, consider a lawn reno-vation. In combination with good lawncare practices, renovation can im-prove the density of grass in your lawnwithout a lot of expense. And now isthe time for fall renovation.Cool-season turf grass (bluegrass,
ryegrass, fescues) planted as sod inthe fall should be watered during thewinter to keep it from drying out. Todevelop a root system, the sod shouldhave at least six weeks before theground freezes to anchor it. But evenwith this six week window, the rootsystem won’t be adequate to keepthe grass healthy in winter, so winterwatering is crucial to maintainingmoisture in the sod and underlyingsoil.Winter water only when tempera-
tures are above 45-degrees and thereis no snow on the ground, letting thewater trickle into the sod and soil. Re-sist the temptation to speed-water thelawn, so puddles and ice don’t formon the turf surface. Water deep and of-ten— this may mean dragging outthe hose watering every two to threeweeks if we’re in a bone dry winter.If you’re planning to seed in a new
lawn, or over-seed into bare spots,plan to get it down early and keep aneye on the weather. Seeding after thefirst fall frost is not recommended, as
young seedlings may be winterkilled.If you delay and we get frosty early,wait until next spring to seed.In the area you want to renovate,
eliminate problems before they springup by killing off any weeds and unde-sired grass. Once they’re dead, mowand remove as much of the deadplants as possible, and remove thatchas well to expose the soil.To get the best results from over-
seeding, water the lawn 24 hours be-fore aerating. Pass the aerator overthe turf in two to three direc-tions to open up many holes.Immediately over-seed with thegrass of your choice, but in gen-eral, tall fescues do not blendwell with bluegrass, perennialrye or fine fescue because of itswide grass blades. Grass seedtakes a while to germinate, sokeep humidity on the lawn for14 to 21 days.Our Colorado Master Garden-
er program in Boulder County is cur-rently taking applications for thespring class. If you are interested inhelping others garden, the ColoradoMaster Gardener program is for you.Classes run January through Marchand will be held every Friday, 8:30a.m. to 4 p.m. Please contact the Col-orado State University Extension Of-fice in Boulder County, at 303-678-6238, to receive an application.
Carol O’Meara is withCSU Extension inBoulder County.Contact her at303-678-6238 [email protected].
Front Range Gardening
Open Houses This Weekend - www.thegroupinc.com
FRIDAY - SUNDAY 1:00-3:00302 Lyra Place, Loveland Colorado Craftsman Style Home!Hardwood floors, designer tile, slab granite, alder trim & doors,mission style alder cabinets. Gourmet kitchen. Formal diningroom & breakfast nook. Deck overlooks open space w/accessfrom kitchen & master bdrm. 3-car tandem garage. Garden levelbsmt. Full yard landscape. Close to I-25.
$357,000MLS# 657756
Call Georgena Arnett481-9801
NEW CONSTRUCTION
SATURDAY 1:00-3:001658 Stove Prairie Circle, Loveland Stucco ranch style homewith an inviting tile entry. Great room w/gas fireplace opens tokitchen & breakfast nook. Tharp cabinetry, slab granite countersw/full tile backsplash & hardwood floors. Master w/5-pc bath &large walk-in closet opposite 2 guest bedrooms. Formal diningroom. Central air. Unfinished bsmt. Private patio.
$263,000MLS# 663127
Call Maribeth Bergan690-1735
SATURDAY & SUNDAY 12:00-3:004790 Wisconsin Avenue, Loveland Energy Star Rated & BuiltGreen Home! Tharp cabinets, 3cm granite, huge walk-in pantry,gas cooktop, vent hood, built-in oven, microwave, refrigerator.Solid wood doors, wood trim & custom tile work. Finishedbasement w/wet bar & fireplace. Finished, insulated 3 cargarage w/work bench & epoxy sealed floor.
$379,945MLS# 658861
Call Tracy Wilson567-0907
FRIDAY - SUNDAY 1:00-4:00292 Saratoga Drive, Windsor Greenspire at Windsor Lake. It ismore than just a home… IT’S A QUALITY OF LIFE! Miles of biketrails, open space & parks. Personalize your home from framingto finish! Extraordinary floor plans – Ranch & 2-Story. Lotsavailable on Windsor Lake! Visit our Sales Center or call for apersonalized showing today!
Homes Starting in the $200,000s!MLS# 643842
Call Jim Watson219-5219
NEW HOMES BUILT BY WINDMILLS LLC
SUNDAY 12:00-3:002063 Calhoun Court Move-in condition 3bd/3ba 2457 sf.located on a quiet cul-de-sac with beautiful yard, mountainviews & backing to a greenbelt. Oak floors, maple cabinetry, bigwindows and lots of light. Neighborhood walking trail takes youto the city river rec trail.
$233,000MLS# 662253
Call Scott Mullen690-8333
BACKS TO GREENBELT!
SATURDAY & SUNDAY 12:00-3:00110 Traders Lane, Milliken Pick your own fixtures, carpet &colors. Wonderful ranch style & 2-story home plans to choosefrom. Your choice of 3 great subdivision to live in – SettlersVillage – Colony Point or Centennial Farms. VALUE YOU CANSEE… QUALITY YOU CAN COUNT ON with a WINDMILLS HOME.Visit us at 110 Traders Lane in Settlers Village.
Prices starting in the $150’sMLS#
Call Tracy Wilson567-0907
NEW CONSTRUCTION
SATURDAY 1:00-3:004331 Filbert Drive, Loveland 3bd, 2ba, 2car garage. Ranchstyle home tucked away for privacy. Xeriscaped front yard.Back deck offers incredible views of the front range, as well asmature trees & shrubs. Shed included. No HOA dues! Immediateoccupancy. New roof soon. Off Hwy 287 & 43rd Street West.Co-listed with Robert Walkowicz 377-4945.
$167,900MLS# 662086
Call Nancy Walkowicz461-7136
SUNDAY 1:00-3:001459 Cattail Drive, Loveland Great home for 1st time buyeror investor. Located in Southwest Loveland, convenient toshopping and schools. 3 bedrooms, 2 baths and a 3-car garage.Nice landscaping. Lots of storage in the heated/air-conditionedgarage. 8x10 shed in back.
$179,000MLS# 662262
Call Debbie Guinn566-2646
SUNDAY 1:00-3:00503 Kathryn Court, Loveland Nice-sized corner lot. Well-maintained tri-level has 3 bedrooms + study & 3 baths. Kitchenw/oak cabinets & pantry. Gas fireplace in rec room. Masterbedroom offers it’s own bath & walk-in closet. Private fencedbackyard, shaded patio, sprinkler system, RV parking & storageshed. Blue Ribbon Warranty included!
$224,900MLS# 660849
Call Diana Luthi481-2692
NEW LISTING
SATURDAY & SUNDAY 12:00-5:004607 Pompano Drive, Windsor 3 bedroom, 3 bath ranch with3-car garage. Loads of upgrades, backs to open space! All of ourhomes are energy-efficient on oversized lots! Visit our modelsfor other plans available starting at $239,900.
$287,296MLS# 661199
Call Kristen Specketer290-8097
NEW CONSTRUCTION
SUNDAY 1:00-3:004495 Ridgeway Drive, Loveland 5 bedroom, 3 bath, ranch stylehome. Kitchen features wood floors, granite counters, blackappliances, 43” cabinets, island & breakfast bar. Great room w/fireplace. Main level master. 2nd master suite w/5-piece bath,great room &mini kitchen in bsmt. Central air, 2 tankless hot waterheaters, high-efficiency furnace. Covered patio & huge deck.
$300,000MLS# 656603
Call John Simmons481-1250
SUNDAY 1:00-3:002469 Indian Hills Drive, Loveland Sprawling ranch w/4 bdrms,3 baths, formal living, dining, family room & office on mainlevel. Italian marble floors, newer triple pane windows. 50-yearshingles, security system, 6-panel wood doors, remodeled kitchenw/granite tile counters, new refrigerator, dual fuel gas range, woodbeam accents, xeriscaped yard. 22x20 workshop in bsmt.
$315,000MLS# 654183
Call Cindy Kurtz962-6832
SATURDAY & SUNDAY 1:00-3:00920 Norway Maple, Loveland Custom built home by TroendlyConstruction. Ranch plan with 2 bedrooms & den on main level.Bedroom, bath & family room in basement. Tandem 3 car garage.Nice finishes include granite, alder & SS appliances. Choose yourcolors.
$347,900MLS# 654230
Call Rich Gardiner227-0964
$437,500MLS# 660692
Call Nancy Maus213-0554
SUNDAY 1:00-3:006787 Spanish Bay Drive, Windsor Classy patio home has 2master suites. Main floor office. Formal dining room. Concretecountertops, SS appliances & huge walk-in pantry. 3rd bdrm,bath, family room & lots of unfinished area in basement.Entertainment center is included. Enjoy the view across HighlandMeadows Golf Course!
REDUCED $10,000
SUNDAY 11:00-12:302096 Vista Drive, Loveland Located on the 10th Fairway ofthe Olde Course in Loveland. 2 Offices, formal living & diningrooms, large kitchen & great room. Slab granite counters & backsplash, wood floors. Mstr walk-in has custom built-ins. Jettedtub & huge shower. Mature yard. 3-car garage, workshop andheated driveway.
$439,500MLS# 644585
Call Nancy Maus213-0554
MAJOR PRICE REDUCTION
$450,000MLS# 661575
Call John Simmons481-1250
SATURDAY 12:00-2:002009 Morning Drive, Loveland Spectacular Views –COMPLETELY Remodeled.Private, peaceful & serenemountainfeeling, yet the convenience of paved roads, natural gas, citywater & public sewer. All-season sunroom w/radiant heat.Upgrades include iron railing, wood floors, high-end finishes,granite counters, SS appliances, alder cabinets.
AN EXCLUSIVE SERVICE OFTHE GROUP, INC. REAL ESTATE
Northern ColoradoReal Estate Source
The Real Estate Source is a magazine produced byThe Group featuring homes for sale and new homeneighborhoods throughout Northern Colorado.
byme.
Northern Colorado
Real Estate Sourcew w w . t h e g r o u p i n c . c o m
Saturday Reporter-Herald August 27, 2011 D5
Real Estate Transac-tions are supplied byProspects UnlimitedInc., 1151 Eagle DriveNo. 467, Loveland, CO80537, 667-1537.
Loveland• Travis Chambers
from Clymer FamilyTrust, 2128 S Taft Ave,Loveland, $140,000,home• Chris & Wendy
Frost from FannieMae, 4208 10th St Sw,Loveland, $171,000,home• Joshua & Jessica
Pitts from FederalHome Ln MortgageCorp, 3167 Sally AnnDr, Loveland,$197,500, home• Nora Brown from
Travis Hartman, 3125Sedgwick Cir, Love-land, $299,900, home• Zodiac LLC from
William Holliday, 2445Oleander Ct, Love-land, $160,000, home• Elizabeth &
William Cairo fromKathryn Simpson,2008 Crystal Ct, Love-land, $172,500, home• Harold & Brenda
Rollison from MichaelSmith, 853 W 8th St,Loveland, $125,000,home• Angus Mckinley
from Arrowhead Prop-erties LLC, 2124 BlueDuck Dr, Loveland,$187,500, homeTodd & Deborah
Tygesen from Mar-garet Bell, 2003 RedCliff Dr, Loveland,$168,500, home• Jesse Goll from
Daniel Chase, 1935Big Sandy Pl, Love-land, $189,000, home• Matthew
Foucheaux from BryanClark, 903 BayberryDr, Loveland,$179,900, home• David Mccloughan
from Shawn Cooperid-er, 2225 W 46th St,Loveland, $255,000,home• Jeffrey & Chrystal
Gates from DavidGenevieve Trust, 1041Sablewood Dr, Love-land, $235,000, home• Karen Flores from
Nicholas Dittrich, 732Zircon Ave, Loveland,$163,300, home• Christopher &
Kristin Kelley fromFederal Home LnMortgage Corp, 5104Edgewood Ct, Love-land, $145,000, home• John & Susan Gar-
cia from JN LLC, 5239Deer Meadow Ct,Loveland, $536,200,home• Angela Bergstrom
from Joel Johnston,1014 Paloverde Dr,Loveland, $143,000,home• Jeffrey & Sarah
Schwartz from Kem-pas Investments LLC,1103 Winona Dr, Love-land, $138,000, home• Matthew Wasser-
man from Cody Kness,4735 Hahns Peak DrUnit 204, Loveland,$110,000, condo• Barry & Kendra
Kelly from David Mc-cloughan, 2501 W36th St, Loveland,$415,900, home• Kathryn Dornauer
from Donald Mced-ward, 4111 CrippleCreek Dr, Loveland,$176,300, home• Shelly &
Genevieve Wagar fromOak Valley HomesLLC, 195 Carina CirUnit 102, Loveland,$154,000, condo• Harry & Louise
Walter from Janice Pe-terson, 538 RadiantDr, Loveland,$169,000, home• Terry Sayre from
Jessica Veatch, 1705
Agate Ct, Loveland,$209,900, home• Paul & Misty
Williams from AnitaWilliams, 4227 PeachTree Ct, Loveland,$156,600, home• Silvia Crowther
from Carter CabinLLC, 4112 Fawn Trl,Loveland, $185,000,home• Jeffrey Finer from
Connelly Trust, 1000W Eisenhower BlvdUnit 11, Loveland,$145,000, condo• Gerald & Lorene
Putnam fromDeutsche Bank Na-tional Trust C, 22526th St Sw, Loveland,$104,000, home• Georgie Fear from
Daniel Doherty, 1842Monarch Cir, Love-land, $272,300, home• Megan Gifford
from Robert Frye,4196 Glen Isle Ct,Loveland, $220,000,home• Jonathan & Anas-
tasia Humme fromJeffrey Gates, 558 E42nd St, Loveland,$166,500, home• Deand from
Grayh, 2312 S CountyRoad 21, Loveland,$275,000, home• Scott & Laurie
Lindberg from Hous-ing Authority City,3978 Boulder Dr,Loveland, $176,700,home• Wayne & Linda
Hessler from JN LLC,5230 Deer MeadowCt, Loveland,$516,900, home• Bernard & Susan
Weakland from KarenLarson, 4987 Clearwa-ter Dr, Loveland,$252,500, home• Michael &
Stephanie Bennettfrom Loveland Mid-town Development,1826 Gemini Ct, Love-land, $173,900, home• Hai Huynh from
Loveland Midtown De-velopment, 870 LibraCt, Loveland,$224,900, home• Eugene & Marilou
Shreck from LovelandMidtown Develop-ment, 1867 GeminiCt, Loveland,$212,500, home• Jim & Tammy Ray
from Mana 2007 Oar1,4802 Valley Oak Dr,Loveland, $297,500,home• Angi Bartine from
James Petersen, 3070Tabernash Dr, Love-land, $185,000, home• Colin & Linda
Napier from RhondaSharp, 80 Idlewild Ln,Loveland, $375,000,home• Resident from Bill
Stenberg, 8150 OpenView Pl, Loveland,$137,000, home• Raymond & Melis-
sa Hernandez fromTimothy Young, 4314Sunridge Dr, Love-land, $190,000, home
Berthoud• Christopher Wat-
son from ElizabethMcmichael, 1210Cedar Dr, Berthoud,$234,500, home• Gary Kephart from
Homesales Inc, 1018Ncr 31, Berthoud,$227,700, home• Brent Cody from
US Bank, 617 SunbirdLn, Berthoud,$270,000, home
Estes Park• Allison Skapin
from Jerald Hardin,731 S Saint Vrain Ave,Estes Park, $165,000,home• Jacquelyn Hertel
from Sue Mecca, 150Indian Trl, Estes Park,$159,900, home
• Resident fromDonald Benton, 2417Longview Dr, EstesPark, $343,000, home• Don & Mary Hoff
from Downing LivingTrust, 1861 Raven AveUnit B1, Estes Park,$290,000, condo• Dale & Catherine
Mccluskey from FannieMae, 2281 BellevueDr, Estes Park,$219,500, home• David & Robin
Vanmetre from LucilleBeery Trust, 424 Hill-side Ln, Estes Park,$319,000, home• Robert & Karen
Janes from GaryMiller, 1200 RamblingDr, Estes Park,$300,000, home• Rodney & Laura
Mulder from JamesMycock, 1600 WapitiCir Unit 34, EstesPark, $417,500, condo• Kingswood Inc
from Promontory LLC,516 Promontory Dr,Estes Park, $120,000,
home• New LLC from
Crystal Creek Devel-opment Inc, 1917 Sil-ver Tree Ln, EstesPark, $310,000, home
Johnstown• Gregg & Ann-
marie Chaddic fromRebecca Kissick, 312Buckeye Ave, John-stown, $226,000,home• Jeffrey Bowick
from Oakwood HomesLLC, 3842 KenwoodCir, Johnstown,$267,100, home• James Empfield
from Kathryn Hornor,614 Aviara St, John-stown, $146,000,home• Loreen Yalacki
from Dee Bay, 4048Flagstone Dr, John-stown, $163,500,home• Josh Weststeyn
from Ryland GroupInc, 2756 AylesburyWy, Johnstown,
$248,200, home
Windsor• Judith & Alfred
Terzoti from Christo-pher Stull, 7373 Span-ish Bay Dr, Windsor,$580,000, home• Nicole Burchfield
from Brian Lampe,230 Elm St, Windsor,$154,900, home• Holly Gonzalezme-
dina from KennethKauffman, 1205 Kirk-wood Ct, Windsor,$185,000, home• Buchholtz LLC
from 7330 GreendaleLLC, 7330 GreendaleRd, Windsor,$599,000, home• Mark & Michelle
Schneider from BACHome Loans ServicingLp, 1949 Kaplan Dr,Windsor, $360,500,home• William & Barbara
Schneider from DonnaSchneider, 1408 Wil-low Way, Windsor,$368,000, home
• Noah Jordan fromUs Capital FundingLLC, 33973 Siascon-set Rd, Windsor,$310,000, home• Steve & Jenna
Roberts from ColoHousing Fin Authority,957 Nantucket St,Windsor, $137,500,home• Elaine Verdill from
Kathryn Kinney, 901Larch Dr, Windsor,$149,000, home• Steven & Anna
Giese from MelodyHomes Inc, 1653Chelms Ford Ct, Wind-sor, $302,000, home• Jeffrey & Kimberly
Wikre from High-pointe Vista LLC,6065 Stone Chase Ct,Windsor, $132,000,home• Morris & Suzanne
Withers from JPMor-gan Chase Bank, 5517Evangeline Dr, Wind-sor, $383,000, home• Nicole Waldmier
from Christine Mul-
laney, 117 Walnut St,Windsor, $171,000,home• Joan Schoonveld
from Kent Davenport,205 Valley Ct, Wind-sor, $187,900, home• Robin Pritchett
from Farmers Bank,1007 Arkansas RiverCt, Windsor,$202,000, home• David Abegg from
Fed Home Loan MtgCorp, 816 Iron Moun-tain Ct, Windsor,$125,400, home• Stephanie Lindner
from Richard Sarchet,621 6th St, Windsor,$179,000, home• Kathryn &
Kathryn Blatt fromJoan Schoonveld, 507Palisade Mountain Dr,Windsor, $194,700,home• Brianne & Curtis
Schock fromWDAHoldings LLC, 121Ash St, Windsor,$133,000, home
H& Real Estate TransactionsRE
750W.Eisenhower Blvd., Loveland669-1234 viewmore properties at:
www.HomesInColorado.com
Each office independently owned &operated
1723Wales Dr, BerthoudOversized 4 Car Garage. Great splitstyle ranch w/ unobstructed mountainviews & backs to open space. Largegranite island in kitchen, plus lots of
custom features. Locatedin Matthew Farm.$339,900 | MLS #643192Connie Gliottand Lisa Moore566-4627 | 566-4629
OPEN SAT & SUN 12 3 P.M.3015 Challenger Point, LovelandViews galore from this 5 bed, 5 bath ranchstyle home that backs to Westerdoll Lake.Garden level walk-out located in SevenLakes subdivision. Lake rights included!
Waterfront living at itsbest!$625,000 | MLS #659326Hosted by Rich JohnsonThe Jennifer Kelly Team970-310-7223
OPEN SUNDAY 1 3134 Sweet Clover Ct, Loveland
Mountain & lake view semi-customhome in Mariana Butte Golf Courseneighborhood. 4 bed/4 bath. Newkitchen, hardwood floors, carpet, shut-
ters, lighting, finishedbasement.$399,900 | MLS #654498Call Coleen [email protected]
PRICE REDUCED
www.1009Shortleaf.comRanch home with mature trees; 4bedrooms, 2 baths; sunny kitchen;Partly finished basement; Bay window& fireplace in living room; Hobby/
craft room!
$165,000 | MLS #658789Call Nanci Garnand622-1846 | 227-1327www.LivingInLoveland.com
PRICE REDUCEDwww.1015W32nd.com
Gorgeous landscaping in this Tri-Levelnear the Sculpture Park; four bedrooms;spacious kitchen; finished basment;
fireplace; Cedar closet; airconditioning.$210,000 | MLS #660546
Call Nanci Garnand622-1846 | 227-1327www.LivingInLoveland.com
PRICE REDUCEDwww.505-5thSt.com, BerthoudGreat ranch style with shaded patio;investment opportunity; residential orcommercial; large master; walk-in closet;tile floors on main level; family room
great for entertaining.$225,000 | MLS #661764Call Nanci Garnand622-1846 | 227-1327www.LivingInBerthoud.com
1101 N. Park Ave, JohnstownBRAND NEW LISTING!! 1950’sranch located across the street fromthe elementary school. Property hasbeen updated and shows well.Give me
a call for all the details!$170,000 | MLS #663376Call Julie [email protected]
JUST LISTED1866 Monarch Circle, LovelandFantastic opportunity to own abeautiful home with a separatestudio/carriage house!! Studio iscurrently rented for $565 a month!
4 bd/4bath…SELL!$319,900| MLS #663657Call Rita [email protected]
JUST LISTED2960 Laguna, Loveland
Enjoy Water Views! BOATERS DREAM.Lake Access. PRISTINE CONDITION,Gorgeous VIEWS, walk-out basement &an amazing THEATER ROOM are just
the beginning.$539,900 | MLS #662500Call Gene Vaughan orLaura Gippert227-5968 | 222-8026
2121 BlueWing Dr, JohnstownBrand new 2-story with 3 beds, loft, of-fice, 2.5 baths, A/C, hardwood floors,alder cabinets, 3-car tandem garage with
mountain views! Ready tomove in two weeks!$239,900 | MLS #647876Call Kathy Beadell970-290-1798or Lanette Spotanski970-213-3603
D6 Saturday Reporter-Herald August 27, 2011
sis, hearing of Echo’s demise, lured Narcissusto a shimmering lake. There the vain hunter,unable to resist the sight of his own reflection,fell in love with himself. As he gazed, the curseof Nemesis was set in motion, and Narcissusfaded away. In his place sprang up the yellowflower that bears the name.Plant bulbs that are his namesake (and the
daffodil cousins) 6 inches deep and 4-to-8 inch-es apart (smaller species bulbs require lessdepth and can be planted closer together). Awide variety of daffodils are available; theirheights vary from 6 inches to more than 20inches. The plant’s shiny green foliage is usuallyabout 3/4 of an inch wide and up to 15 incheslong. Narcissus can have single flowers or sever-al flowers to a stalk; the flower can be trumpet-like or flattened. Daffodils come in many colorsand combinations including white, pink, yellow,orange and orange-red with single or doubleflowers.
TULIPSTulips were cultivated by Turks as early as
1,000 A.D. and were planted in the Netherlandsand elsewhere in Europe in the sixteenth centu-ry. The English words “tulip” and “turban”both can be traced to the Ottoman-Turkish“tülbend,” a type of gauze used for turbans,and alludes to the way the fully opened tulipcan resemble a turban. The tulip is the nationalflower of Turkey.A Turkish legend tells how a love-stricken
prince named Farhad received news that hisbeloved Princess Shirin had been killed, and ina state of grief mounted his steed and gallopedover a cliff to his death. It is said that a scarlettulip grew from each droplet of his blood. Thered tulip is often regarded as a symbol of per-fect love.Plant tulip bulbs 4-to-8 inches deep and 4-to-
8 inches apart. There are more than 100 tulipspecies in existence and 3,000 cultivars thathave been hybridized.Relatively deep planting encourages good-
sized flowers for several years. Species tulipshave smaller bulbs, requiring shallower plant-ing. Heights vary from 4 inches to nearly 30inches. Foliage is usually thick and bluishgreen. Species tulips like Kaufmanniana andGreigii hybrids often have burgundy- or purple-mottled leaves. Most tulips produce a solitaryflower, but some have multiple flowers on theirscape or stem. Tulips come in a multitude offorms and colors — except for true blue. Plant
bulbs in well-drained, humus-enriched soil infull sun or partial shade. Some species arehardy and will bloom for several years, whileother types are considered annuals.
HYACINTHSA Greek myth describes how the hyacinth’s
first appearance involved the gods Apollo andZephyr, who were fond of a handsome youngGreek called Hyakinthos. As Apollo was teach-ing Hyakinthos the art of throwing a discus,Zephyr — god of the west wind— was over-come with jealousy and blew the discus back.It struck Hyakinthos on the head and killedhim. From his scalp sprouted a fragrant redflower, which Apollo named “hyacinth” in hon-or of the slain youth.It is not known what sort of plant the origi-
nal hyacinth was, but by the time the word wasabsorbed into English, it had been assigned tobluebells and their relatives. Hyacinths cameto Europe in the sixteenth century fromTurkey and the Middle East. By the early1700s, hyacinths were very popular, with morethan 2,000 available cultivars. In the Victorianlanguage of flowers, the hyacinth flower sym-bolizes sincerity. March 7 is designated asWorld Hyacinth Day. Plant hyacinths 7 inchesdeep and 6-to-9 inches apart; their upright fo-liage grows about 10 inches. Flowers form ashowy single, dense spike 1-to-2 inches across.Hyacinths are very fragrant and come in shadesranging from red, rose, yellow, pink, blue, vio-let, salmon and white.
CROCUS AND SAFFRONOne of the few bulbs to be in cultivation for
longer than tulips is the lavender-flowered, fall-blooming crocus. According to legend, theGreek gods Hera and Zeus loved each other sopassionately that the land where they livedburst open with crocuses. The word crocus de-rives from the Greek word “krokos,” meaningsaffron. An orange-yellow dye and condiment,saffron continues to be harvested from the stig-ma— female flowering parts — of Crocus sati-va, a crocus species native to the easternMediterranean. In the ancient world, the flowerwas grown for its beauty and as a trade com-modity for use in dye powders, medicine, per-fumes and spices. Saffron is expensive; approxi-mately 4,000 flowers are required to produce1 ounce of powder.Plant the crocus corms 3 inches deep and 4
inches apart. Crocuses grow from 3-to-6 inchesin height, they usually have a single flower andgrassy foliage that is dark green, with leavesshorter than the flowers. Blooms are 1-to-8inches tall, and can be white, yellow, purple orstriped. Some crocus species flower in autumn.For a one-time expense, bulbs usually supply
years of spring color in the garden. Also try alli-ums, Anemone blanda (Grecian Windflowers),Chionodoxa luciliae (Glory-of-the-Snow), Mus-cari (grape hyacinths), snowdrops, Dutch hy-brid irises, Scilla (blue squill), Fritillaria melea-gris (checkered lilies) and Galanthus nivalis(snowdrops). All of these bulbs do well on theFront Range. From a distance, solid blocks ofsingle colors can establish visual emphasis. Mix-tures of colors and flower varieties enliven bor-der gardens. Many gardeners enjoy the surpris-es that result from planting bulbs with no orga-nized scheme. With attention to bloom time ofspecific varieties, any method can offer succes-sive waves of welcome spring beauty.
BULB BASICS• Bulbs are plants that store their complete
life cycle in an underground storage structure.The structure’s primary function is to store nu-trient reserves to ensure the plant’s survival.• Most bulbs are perennials, meaning they
have a period of growth and flowering followedby a period of dormancy.• Choose the largest bulbs of any variety.
There is a direct correlation between bulb sizeand flower size. Avoid moldy, dry or damagedbulbs.• Avoid planting in southern exposures close
to a foundation, as the warmth can force bulbsto leaf out too early and can result in injuryfrom freezing temperatures.• Dig bulb beds to recommended depths.
Planting depths are measured in relation to thesize of bulbs. As a general rule, the depth fromthe soil surface to the top of the bulb is fourtimes the height of the bulb. Bulbs should restfirmly in the soil, roots down, without any airspace under the bulb.• Apply fertilizer and soil amendments at the
planting. For fertilizer to be effective, it mustbe present in the vicinity of the roots. Fertilizerpromotes larger bulbs and improves the follow-ing year’s flower growth. When digging beds,mix in phosphorus with the soil at a rate of a1/2 pound of 0-46-0 fertilizer (super phosphate)per 100 square feet. Bone meal can also beused; follow package directions.• Before it is shoveled back into the planted
bed; mix soil with some type of organic matter(peat moss or well-decomposed compost) toimprove the texture of clay soils.
Dick Christensen has received trainingthrough Colorado State University Extension’sMaster Gardener program and is a Master Gar-dener volunteer for Larimer County. For moreinformation about CSU Extension, LarimerCounty, call 970-498-6000 or visitwww.larimer.org/ext.
H& Front Range GardeningRE
DICK CHRISTENSENCSU EXTENSION
Bulbs are easy to grow, requiring little at-tention. They tolerate both sun and par-tial shade. Spring-flowering bulbs pro-
vide the growing season’s earliest color andmany will bloom and multiply for years withouta great deal of care. Along Colorado’s FrontRange, some of the most commonly grownbulbs are crocus, hyacinths, tulips, and thespecies narcissus, commonly called daffodils.Next spring, as each of these tried-and-true fa-vorites helps us to shake off winter blues, theirreturn can also remind us of stories from a leg-endary past.
DAFFODILSNarcissus comprises a hardy species of most-
ly spring-flowering bulbs native to Europe, Asiaand North Africa (a few daffodil species bloomin autumn). Thousands of new cultivars of tulipand hyacinth were developed early in the histo-ry of these plants, but the number of daffodilvariants grew more slowly. Only fifty differentdaffodils may have existed before 1700; by1900, approximately 1,000 new varieties wereintroduced. The early twentieth century mayhave been the daffodil’s Golden Age, with an-other 6,000 versions hybridized by 1930. Only afraction of these daffodils are sold commercial-ly today.“Narcissus” is the scientific name for the En-
glish daffodil. According to the Greek myth ofNarcissus and Echo, Narcissus was an exceed-ingly handsome youth. The gods granted himgood looks, but with a catch. His beauty waspermanent — and he was immortal — so longas he never saw his own reflection. During oneof his woodland hunts, Narcissus was observedby the young wood nymph, Echo, who saw himfrom her hiding place behind a tree. Echo felldesperately in love with the handsome Narcis-sus, but he spurned the smitten nymph. Devas-tated by the rejection, Echo wept, wailed andultimately was undone by her love. She pinedfor so long that after awhile all that remainedof Echo was the sound of her voice. But thegods were not pleased and the goddess Neme-
Plant bulbs soon fora colorful, bright spring
