Saturday Reporter-Herald Januar y 29, 2011 E1

Real EstateTr a n s a c t i o n sListings from Front Rangeproperties recently sold

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• •www.homeandrealtyguide.com Saturday, January 29, 2011 Reporter-Herald

Real EstateMatters

Inside this week’s Home & Real EstateInside this week’s Home & Real Estate

Director yPPPaaagggeee EEE333

Inside this week’s Home & Real Estate

7645 BisonBluff St.,Loveland

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Proper tyof the Week

Carol O’ Meara:

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� See GLINK/Page E3

JADE CO DYSPECIAL SECTIONS EDITOR

With roots in Love-land real estatefrom as far back as

1906, the Warnock familyhas had a hand in much ofthe shaping of the commu-nity in the last century.Willard Warnock, son of afarmer and the founder ofWarnock Realty in 1922,overcame historical hurdlessuch as the great depres-sion, the dust bowl andWorld War II. Willard’s son,Bill, then took the businessto new heights while weath-ering a tight market in the80s and championing amerger with a national com-pany, Prudential, in 1991.

Today, John Warnock andhis daughter, Sarah, servewith Prudential RockyMountain in Loveland, whileJean (Warnock) Mackey,along with her husband DonMackey, have recentlymoved from Prudential toRE/MAX Action Brokers inL oveland.

THE BEGINNING:WARNOCK REALTY

John and Jean’s greatgrandfather, David, ownedabout 40 acres of farmland

in and around Loveland inthe early 1900s, and subdi-vided some of it up for resi-dential properties. After los-ing his farm due to thestruggling economic cli-mate, David’s son, Willard,came to Loveland in 1922 tobegin his career as an auc-tioneer for farms, ranches,livestock and homes. Heformed Warnock Realty Co.

“One of the things thathas always amazed me is theresilience of the company togo through the great de-pression,” John said. “Theeconomic tides that we’regoing through today are awalk in the park comparedto that. It was just a tough,tough time to go through.So I’ve always admired mygrandfather’s ability to sur-vive through economictimes. And then World WarII comes along, there again,that had to be a 15- or 20-year period. How do you doit? How do you get throughthat?”

Wi l l a rd ’s son, Bill, who isJohn and Jean’s father,joined Willard at WarnockRealty in 1947 after return-ing from WWII as a soldierin the Navy. Bill and Willardeventually became more in-volved in the residential sec-tor and established the

Grandview subdivision in theearly 1950s.

After meeting with Real-tors in Denver in 1948,Willard and Bill helped formthe Loveland Board of Real-tors. The group is nowknown as the Loveland/Berthoud Association of Re-altors.

“Before that, they didn’tshare information on list-ings,” John said. “You listedand sold your own stuff, andyou didn’t cooperate withother real estate agents. Itopened up just a whole newera for real estate in Love-land. With their abilities toshare listings and share in-formation, pay coop listings,coop under commissions —those kinds of things were abig deal, which had not hap-pened before.”

After Willard passed awayin 1955, Bill continued de-veloping Warnock Realty.

“Dad really took the busi-ness to the next level,” Johnsaid. “He had seven agentsin the 60s. I never really un-derstood what he did, but hewas successful. Both he andmom were civic-orientedpeople.

“He was a gentleman ofthe first degree, in terms ofwho he was,” John said.“Just a remarkable man,and I miss him.”

Bill passed away in 2004.John said Bill was in the of-fice the week he died, andthey closed over $5 milliondollars in transactions in theweek after he passed.

“Just a remarkable lega-c y, ” John said. “He didn’thave to work, he chose towork.”

PASSING THE TORCH

In the early 70s, Bill’ssons, Dave and John, joinedthe firm.

Real estate prices beganclimbing quickly in the late70s due to inflation. But

with an energy crisis in theearly 80s, the real estate in-dustry began struggling.

“The 80s were a horribletime in real estate,” Johnsaid. Mortgage rates sky-rocketed, going as high as

17 percent, and loans weredifficult to obtain, he said.

Jean joined the companyin the 90s as an agent, andthe industry gained steam

Jean Mackey

Fa m i l yBusiness

ILY C E GLINKTRIBUNE MEDIA SE RV I C E S

Question: I am 67 years old andown a rental property. I wouldlike to sell the home butdon't want to pay taxes on the

gain. Should I live in the property fortwo years and then sell it?

I'd like to avoid paying capital gainstaxes on the sale. I am still working,but I'm in the poverty income taxbracket. The house has no mortgage,but the taxes, insurance and utilitiesare eating up my savings. Is there anyway I could declare a hardship andavoid the capital gains taxes?

Answer: Before you make any deci-sion, you need to know what effect thesale of your home would have on yourfederal income taxes. If you don'tmake much money now, you're proba-bly not paying much to the federalgovernment. If you know what salesprice you might get from the sale ofthe rental property, you then can de-cide whether to sell it and not worryabout the tax consequences.

However, if you've owned the proper-ty for many years and the taxes youowe will be quite significant, you mayhave some options to limit theamount you pay without fully elimi-nating the entire tax bill.

The only sure way to defer the pay-ment of capital gains and other feder-al income taxes on the sale of rentalproperties is to use a company thatspecializes in 1031 exchanges. Whenyou use a company that handles 1031exchanges, you basically sell the cur-rent investment property, place all theproceeds from the sale with the ex-change company and buy a replace-ment investment property of like kindwithin a certain time period.

Sale mayaffect federalincome taxes

Don Mackey

John & Sarah Warnock

Despite changes, challengingeconomic climate, Warnockfamily continues real estatetradition in Loveland

Gar dengnomesand pinkflamingos

� See FA M I LY /Page E2

04-323116

4bed/3ba 3 car garage, 2 story home on large corner lot. Move-in ready. MLS#646053 $199,900

4253 LaVeta Drive, Loveland

OPEN HOUSE SATURDAY 1-3PM

Ursula Albers Century 21 Humpal, Inc.970-231-0548Ursula.Albers@century21.comwww.allcoloradohomes.com

Great 2 story, close to park, bike trail and hospital. Low maintenance exterior. 4 bd, 4ba, central A/C, humidifi er, jetted tub in master bath. Lg fmly room on main level.MLS# 642799 $289,900

1749 Park Drive, Loveland

OPEN HOUSE SUNDAY 11-2PM

Chris RamponeCentury 21 Humpal, Inc.970-430-0845

$175,600. Brand new, fully landscaped 2,072 SF Ranch w/ oversized 2-car garage. Vaulted living room & kitchen w/ island & dining w/ bay window. Patio & covered porch. Master bed w/ walk-in closet.

1798 East 9th St, Loveland, CO

$3,000 BUYER CREDIT TOWARDS CLOSING/UPGRADES!

Rollin GoeringMidtown Homes970-456-4600 | 970-402-6432www.newmidtownhomes.com www.thegranbymodel.com

3 bed/3 bath home on a beautifully landscaped corner lot! Newer stainless steel appl., roof & paint. Hot tub room & sunroom. Large family room and oversized garage. MLS#634133 $199,900

4629 N Franklin Avenue

Steve Baker 970-302-0879Felipe Sorzano 970-222-4423 or970-330-7700 stevebakerrealestate.com

FEATURED PROPERTIES UP TO $199,999FEATURED PROPERTIES UP TO $199,999 $200,000 - $299,999$200,000 - $299,999

LAND FOR SALELAND FOR SALE

You’ll love the nature of it! This beautiful custom-built ranch w/4 bdrm. 3ba, fi n. walk-out basement, and updrades galore. Panoramic mtn. views from every rm. over 4,00 sq.ft. on 2.66 acres. $638,000

7645 Bison Bluff St.

OPEN HOUSE-SAT 1:00 TO 3:00 P.M.

Carolyn LaMasterPrudential Rocky Mountain, REALTORS970-690-1596c_j_lamaster@yahoo.com

Walkout bsmt., open fl oor plan, panoramic views. In select group of lots. Pittington Ranch. Many upgrades. Must see. W. on Hwy 34, S. on CR 29 to 18E. 2.3 miles to Flat Iron Rd. right.

NEW CUSTOM RANCH-288 RESERVOIR

OPEN HOUSE SAT.& SUN. 1-4 TRADES CONSIDERED

John MatheyPremier Lifestyle(970) 613-4400(970) 481-5512

Kurt Albers Century 21 Humpal, Inc.970-231-1224kurtd57@msn.comwww.allcoloradohomes.com

OPEN Saturday 12-2PM, Wed and Fri 11-1PM. 2+ Acre lake front & horse lots starting $199,000. Surface rights, walk paths, parks, boatdocks, fi shing and peace garden.

Warberg Farm at Chapman Reservoir

OPEN HOUSE SATURDAY 12-2PM

$500,000 +$500,000 +Ready for A DifferentAddress?Begin your searchat your onlineand printreal estatesource:

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homeandrealtyguide.com

Saturday Reporter-Herald Januar y 29, 2011 E2

Mortgage rate update

30-year fixed

15-year fixed

5/1 ARM

This week Last week Tre n d

4.80%

4.08%

3.45%

4.81%

4.09%

3.44%

Regional Snapshot for Loveland/Berthoud Residential

October

Active Listings 969 903 834Previous Year Active Listings 963 882 842

Sold Listings 105 90 90

Median Sales Price $211,000 $206,819 $219,777Previous Year Median $201,500 $194,900 $245,000

Average Days on the Market 121 131 130Previous Year ADOM 127 127 128

Year to Date Listings Sold 1,160 1,250 1,340Previous Year YTD Listing Sold 1,110 1,205 1,297

Monthly Volume $27,400,541 $24,289,790 $26,065,297Previous Year Monthly Volume $32,560,029 $22,476,776 $26,273,366

Home & Real Estate isproduced every Saturday

by the Loveland DailyReporter-Herald.

EDITORIAL INFORMATION635-3656

DISPLAY ADVERTISING669-5050

CLASSIFIED ADVERTISING635-3650

For home and real estateadvice, features and

information, visitwww.homeandrealtyguide .com

N ov e m b e r December

Real Estate Transac-tions are supplied byProspects UnlimitedInc., 1151 Eagle DriveNo. 467, Loveland, CO80537, 970-667-1537.

L oveland• Scott & Deborah

Guinn from Arlene JRaines Trust, 1709Sauk Rd, Loveland,$395,000, home

• William &Nicholas Ludwig fromCarolyn VongaertnerTrust, 4420 PrairieTrail Dr, Loveland,$255,000, home

• John & Ana Sim-mons from DeutscheBank National TrustC, 943 Eagle Dr, Love-land, $160,000, home

• Evelyn & RobertFleegal from Gary LSharon A KegerreisTrust, 1580 TennesseeSt, Loveland,$375,000, home

• John Hayarthurfrom Home StateBank, 600 EdgewoodDr, Loveland,$100,000, home

• Richard Goscickifrom Oak ValleyHomes LLC, 275 Cari-na Cir Unit 103, Love-land, $174,600, condo

• Lolly & LanceLight from 691 IrishLLC, 924 Deborah Dr,Loveland, $126,000,home

• Joanne Bellairsfrom Sandra Alter,1100 Taft Ave Unit 26,Loveland, $162,500,condo

• Lisa Cortese fromScott Koberstein, 600Larch Pl, Loveland,$183,000, home

• Cynthia Spreitzerfrom Patrica Spreitzer,610 Grove Ct, Love-land, $305,000, home

• Scott & MichelleKoberstein from LisaCortese, 3408 Mari-ana Ct, Loveland,$320,000, home

• Jonathon &Tiffany Leiper fromFannie Mae, 2506 W44th St, Loveland,$166,000, home

• Sheila & Dale War-ren from LornaGreene, 2216 Arika-ree Ct, Loveland,$147,000, home

• Patrick Mccurdyfrom HSBC MortgageServices Inc, 617 SEmpire Ave, Loveland,$101,000, home

• Rebecca Archulet-ta from Mikell Keyes,1550 W 28th St UnitB8, Loveland,$168,000, condo

• Gc LLC from OneDirectory Place LLC,380 W 37th St, Love-land, $11850,000,home

• Karen Rakowskyfrom Eric Rakowsky,

4208 Florence Dr,Loveland, $187,000,home

• Resident fromLouis Smolic, 13048Otter Rd, Loveland,$350,000, home

• Alicia Lewis fromMathew Telfer, 3100Ivy Dr, Loveland,$275,000, home

• Andrea Maxwellfrom Robert Cundiff,5070 Brandywine Dr,Loveland, $250,000,home

• David Johnsonfrom Devin Hender-son, 400 E 40th St,Loveland, $170,000,home

• Eric Richter fromMidtown AffordableHomes, 2174 E 11thSt, Loveland,$170,300, home

• Slaven Kincicfrom Benny Thelen,4605 Hahns Peak DrUnit 201, Loveland,$128,000, condo

Berthoud• Timothy Young

from Bank New YorkMellon, 4809 Gary Dr,Berthoud, $235,900,home

Estes Park• Robin Casey from

Sue Alton, 452 Stan-ley Ave, Estes Park,$162,000, home

• Kenneth & Nancy

Kratky from VelmaDeyoe, 327 VirginiaDr, Estes Park,$115,000, home

• Gary & Teri Leefrom Stanley Hart,854 Dunraven St,Estes Park, $185,000,home

• Philip & PatriciaRau from Edward Mu-larz, 1078 Pine KnollDr, Estes Park,$410,000, home

Johnstown• Darwin & Ardith

Dixon from StephenMeitler, 506 PebbleBeach Ave, John-stown, $135,000,home

• Brett Thomasfrom Sandra Castillo,114 Sandstone Dr,Johnstown, $183,500,home

• Thomas & Aman-da Long from DavidMedlock, 414 Wyss St,Johnstown, $275,000,home

• Cheryl Degravefrom Oakwood HomesLLC, 3925 BalsawoodLn, Johnstown,$198,500, home

• John & JohnnaHunter from KevinTrammell, 2514Rouen Ln, Johnstown,$265,000, home

• Richard &Suzanne Cunninghamfrom Wade Gonzales,

3673 Goodwin St,Johnstown, $291,500,home

• Kalen & BenjamiArreola from TerrinPivonka, 1423 MallardDr, Johnstown,$266,000, home

M i l l i ke n• Chase Mcbride

from Windmills LLC,810 Village Dr, Mil-liken, $167,000, home

Windsor• Resident from By-

ron Petersen, 4616Pompano Dr, Windsor,$352,000, home

• Megan & DerekJordan from JohnPolzin, 906 ScotchPine Dr, Windsor,$203,500, home

• Irene Johnsonfrom Fannie Mae, 213Pelican Cv, Windsor,$231,000, home

• Ellisa Baker fromBK Am, 1224 West-wood Dr, Windsor,$199,000, home

• Tyrone & BrendaHolland from FedHome Loan Mtg Corp,319 5th St, Windsor,$134,900, home

• Linda & AlbertPolese from PrestigeHomes LLC, 670Saratoga Way, Wind-sor, $213,900, home

H& Real Estate TransactionsRE FA M I LYFrom Page E1

throughout the decade.

NATIONAL MERGER

In 1991, Warnock Realty Co.joined Prudential Real Estate Affil-iates to increase its name recogni-tion.

“Dad and I both had the notion,separately, that we needed to affili-ate with a national franchise if wewanted to have an impact on thereal estate market,” John said.

“It gave us a way to attract newagents, ways to get agents trained,and it really proved to be a pru-dent move on our part.”

After Dave retired in 2005, Johnbought his share of the companyand in 2006, Prudential Warnockjoined four other northern Col-orado Prudential real estate com-panies to form Prudential RockyMountain Realtors.

A NEW GENERATION

When Sarah joined Prudential in2003, her grandfather, Bill, wasbeaming with pride.

“It was a remarkable thing forhim to watch,” John said, “he wasso proud of that little girl, he sawhow hard she worked, so that wasfun.”

Sarah said she was never pushedto join the family business, but waswelcomed when she chose to dos o.

“It was wonderful. Dad took meunder his wing. I’m forever in debtto him. I’m very proud to be thefourth generation to go into it.”

FAMILY AFFAIR

As a family, the Warnocks werededicated to keeping business andfamily separate.

“You draw a line of separation,and there was no squabbling,”John said.

“To be able to work with yoursister and your brother and yourdad and your daughter, it was al-ways so nice, because it was easyto work with one another. Familytime was family time, we didn’tdiscuss business at Christmas.”

The family continues to be cen-tered in the Loveland area.

“In terms of a community,there’s a good heart here in thistown,” John said. “I don’t thinkthere’s a better place in the worldto live.”

LOOKING FORWARD

John said he is hopeful that arecovery in real estate is underway.He looks back to the 80s and rec-ognizes some standards that nevershould have been left.

“In the 1980s, loans were hardto get. Qualifying standards — wenever should have left those stan-d a rd s . ”

John talked about standardssuch as having to put up a downpayment, having a qualifying ratiounder 30 percent, and having toprove your income.

“Today, underwriting guidelinesthat were so liberal, are now sotight — tighter than they were inthe 80s.”

He remains optimistic, however.“My view now, I think we’ve seen

the worst of it, at least in Col-orado, and particularly LarimerCounty. The lines are trending up-wards, not downwards.”

Open Houses This Weekend - www.thegroupinc.com

SATURDAY/SUNDAY 1:00 - 3:001529 Dryland Street, Loveland - Brand new ranch ���������������� ���������������� ���� ������� ������������������� ��� �������������������������������details.

FRIDAY - SUNDAY 1:00 - 4:00255 Carina Circle #104, Loveland - Granite counters, SS ����������������������������� !���"�������#���������$���������� !�� !� ������ %&'� ������� ������� ������� ������� �(��������� �� � ���#�� ���� ������ �������#�� ��������������������������������#�������$

SATURDAY/SUNDAY 11:00 - 1:001102 Woods Landing Drive, Fort Collins - Sprawling ranch �����)�*'+/0������1�������� �$)������$���������� ������������� ��������� ������ ���2� ������ ���� 2������ ����� ������� #��� ��������$�/������2����� $�*��!����� ����������� �������3����4��� ������������������� �����" ���������� �$������John Simmons 481-1250 or Jesse Laner 672-7212.

Call Jesse Laner or John Simmons672-7212 & 481-1250

$599,000=*�>?@11@1

����������������481-9801

Call Jim Chance388-4261

$184,702=*�>?@)1@@

$188,000MLS#640718

Call Diane Iwanicki or Stephanie Kirkland412-7082 & 679-8084

$299,900MLS#624979

SATURDAY 1:00 - 3:001049 Grant Avenue, Loveland�D�E� �������&������ �+� ��������1�F�����I�F����� ������������� �$�&�����K���������!���!��� �������������� ���N41���������������NPPP��Q�$����deck between the house and garage. new carpet, paint and vinyl. Only a few blocks from the park and lake Loveland. See this charmer today.

Call Rich Gardiner227-0964

$173,000MLS#641581

SATURDAY 9:00 - 12:00663 Modena Court, Loveland� D� =�� � ����� ������ ID������� � ��������� =���� �� /�� $� &�� � ����� ��� � ����� � ���������� ��� ������$��������������������NP�������� !��� ��?��� ���R�����������������������������������������$�/���!��������1�������@�������������������������!�������U��0 V�������privacy of backing up to acreage.

Call Debbie Guinn566-4626

$315,000=*�>?@I@R1

THURSDAY - SUNDAY 1:00 - 4:00292 Saratoga Drive, Windsor� D� X��� %���� ����� !� � � ����YNZP�PPP��� +� ��� #� ID������ ��� �$� [���� ���K�� ����� �������� ���� !� ��� " ���$� ��� �� �� ������ !� ����� ���� 2���� ���� ������$�=��������F�2������������� �������#����2�$�������������������� ���K�������� !�������

Call Kelli Couch310-8804

$225,900=*�>?@1R@I

SATURDAY 1:00 - 3:001417 W 31st Street, Loveland� D� ����� ���� ������ ��� �������� ���$� %�������� ������ �������� ���� �� � ��������K��"��������#��� ��������� ���� ������*�������� �N4@���������$�F�����������!���"(������#�2����� �������� ��������$�� �����'4����������� ����#����2���������!������� �$

Call Miki Roth690-9459

$240,000=*�>?@)\P1

SATURDAY 12:00 - 2:00459 Cape Dory Drive, Loveland - Overlooks Boedecker *�2���I������������2�$������� ���� ����������������������� ���$� *��� �2��� � � ������ �3��4����� ���$�0(�� ��� ���� ���������!������� �������!� ��4��full bath.

������ ������391-4735

$414,500=*�>?1@R@\

SATURDAY/SUNDAY 1:00 - 3:002096 Vista Drive, Loveland - *�������� �����&��������������*����� ��#������������������2�����$������� ���������!�� ������� �������������!������ ���)��� ���!����� !��#���������� �$�=�� �������3������������ � !�#����� !������������������#����������������$�/������� ������ !�#���!�������$

Call Nancy Maus or Diane Iwanicki213-0554 & 412-7082

$535,000MLS#644585

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SUNDAY 11:00 - 1:00503 Eagle Crest Court, Loveland�D�@PPP�" �������Q������$�P$R?��������U��� !�� ��!���� ������2����������!��� ���� �������������������$�@����]���� ����������" ���������� ���plus formal living, formal dining, great room, breakfast nook, ���2���������� ��� $���������� ��������4������������'���������K���!���!��� ������

Call John Simmons481-1250

$429,500MLS#645291

F&X^���=&_`X/��'*0�ZjPP�D�NIjPP

SATURDAY 1:00 - 3:00 SATURDAY/SUNDAY 12:00 - 3:003402 Red Maple Court, Loveland - Newly updated ranch style ������������x������1D����!���!���=������������������14@����$�����������������������$�*��!������ ���������������� ������2� ����� ���� ������ !����� ������� ���� ���4+_� ���2� !$������!������$�X�������������%&'������

1849 Chesapeake Circle A, Johnstown� D�1�� ���� ���������#� N� � ���� �� ������� $� =�� �� � ��� ����� ��� ����� �4��� � ����� ��� �$� ��������� � �� ��!�����j� �� ����� '4���"�������������� �����������������!���"(�������4�� ������2��������� �������2��������#����$�

Priced $170’s to $190’sMLS#642720

Call John Simmons or Tracy Wilson481-1250 & 567-0907

SATURDAY/SUNDAY 12:00 - 5:007407 Pimlico Drive, Windsor - Brand new, over 2500 �Q���������$�@�F��������I�N4I��������!������!�����$�&�����K���������2� !������� ������$�*�������� �E����E� ����$� '� ���� ����� '�2� ����� ���� !����� �������� �� ����

Call Kristen Specketer290-8097

$314,000MLS#640727

TUESDAY - SUNDAY 1:00 - 4:004630 Tarragon Drive, Loveland - NEW PATIO HOME MODEL IN THOMPSON CROSSING$� ������� ��� ?� �� ��� ��� ��� 1D����!���!�� ���� ��� !���� � ������ ������ ������� ���� %&'� ����$��� �� �� �� ������ �� ���� ���2��� ����$� 0 V��� ���� ����� � Y��������������2��������#����������������`DI)$�*����� �� � ������� !������������

$339,000=*�>?@)1R@

Call Valerie Schlageter217-3464

SATURDAY/SUNDAY 1:30 - 3:30530 Deer Meadow Drive, Loveland� D�?�ZPP��Q���� �=���� ��F�x��/�������������������������������������������� � I� "���������� @� ����� )� ������ 1� ���� !���!������2D���������� �������������zN\(N\{������)�������������� ��������3����N4@���������$

Call Don A. Riedel679-8265

$825,000=*�>?@)R?1

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Call Carole Newberry443-4047

$278,500MLS#640496

AN EXCLUSIVE SERVICE OF THE GROUP, INC. REAL ESTATE

Northern Colorado Real Estate Source

The Real Estate Source is a magazine produced by The Group featuring homes for sale and new home

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Real Estate Sourcew w w . t h e g r o u p i n c . c o m

04-322767

Saturday Reporter-Herald Januar y 29, 2011 E3

Using a 1031 exchange will allow you to sell the propertybut won't let you get to the money. That money would betied up in the new property you would be required to buy.

It seems that you probably want to sell the property andkeep the money. If that's the case, you won't want to use a1031 exchange. You'll need to sell the rental property out-right.

You talked about living in the rental property for at leasttwo years. Well, when it comes to your primary residence, ifyou have lived in the primary residence for two out of thelast five years, you can exclude from federal income taxes allprofits up to $250,000 (or $500,000 if you are married).But the key there is that the home must be your primaryresidence and you must live in the home for two out of thelast five years.

In your situation, you could move out of your currenthome and into the rental property and live there at leasttwo years. But a couple of years ago, the IRS changed therules: If you owned a rental property that was later convert-ed into your primary residence, you would still have to paycapital gains and other federal income taxes due on the saleof that property based on how long it was an investmentproperty and how long it was your primary residence.

So, moving into the home would not eliminate your obli-gation to pay capital gains taxes or other taxes to the feder-al government, but over time would decrease some of thetax obligation.

Still, it's worth finding out exactly what you'd owe. Be-cause the highest capital gains tax rate right now is 15 per-cent, you might find that if you sell the property now, youwon't pay all that in capital gains taxes.

But you may owe more to the IRS because you have to re-capture any depreciation you took on the property over theyears.

Real estate investors typically take a tax break on theirfederal income taxes by depreciating the property. That de-preciation may result in a reduction in your federal incometaxes previously paid. When you sell the rental property, thefederal government requires you to repay that benefit previ-ously given to you at a rate of about 25 percent.

In other words, if you took $100,000 in depreciation onyour rental property over the years, you'd owe $25,000 tothe government when you sell.

Given all of this information, you need to understandwhat your ultimate liability would be if you sold the proper-ty. If you have someone who helps you with your federal in-come taxes, you can work with that person to see what it isyou might have to pay if you sell the rental property.

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

GLINKFrom Page E1

7645 Bison Bluff St., Loveland

H& Property of the WeekRE

Pr i c e : $638,900Built in: 2006Square feet: 4,066Bedrooms: 4Office: 1Bathrooms: 3

This stunning property sits on 2.66 acres atop a hilland features a large wrap around deck where resi-dents can enjoy the panoramic view of Buckhorn

Valley. The home also includes a finished walkout base-ment, three-car garage and a detached garage largeenough (28-by-24-feet) for an RV or boat.

Contact: Carolyn Lamaster, Prudential Rocky Moun-tain Realtors, 970-690-1596 or c_j_lamaster@yahoo.com

Open houseS a t u rd a y,1-3 p.m.

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 house listings, please check the “Real Estate Classifi eds” 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 sunday

04-321060

PRICE LOCATION ADDRESS HRS OFFICE PHONE

From the $140’s*

NW LOVELAND43RD & WILSON AVENUE THE COTTAGES AT ENCHANTMENT RIDGE

12-5THE COTTAGE REALTY

970-532-5900

$140’S -$220’S

SE LOVELANDBOISE VILLAGE NORTH, ¼ MILE SOUTH OF HWY 34 ON N. BOISE AVENUE, 1899 E. 11TH

10AM-6PM MIDTOWN HOMES 970-456-4600

$169,900* NW LOVELAND 4403 ELLIOT PLACE 12-5THE COTTAGE REALTY

970-532-5900

$170,000JOHNSTOWN – MILLIKEN

1849 CHESAPEAKE CIRCLE 12-3 THE GROUP, INC. 970-481-1250

$173,000 SW LOVELAND 1049 GRANT AVENUE 1-3 THE GROUP, INC. 970-227-0964

$184,702 SE LOVELAND 255 CARINA CIRCLE #104 1-4 THE GROUP, INC. 970-481-9801

$188,000 NE LOVELAND 3402 RED MAPLE COURT 1-3 THE GROUP, INC. 970-388-4261

$215,000 FORT COLLINS 3036 ANTELOPE ROAD 2-4 COLDWELL BANKER 970-690-5824

$225,900 WINDSOR 292 SARATOGA DRIVE 1-4 THE GROUP, INC. 970-310-8804

$232,000 NW LOVELAND 4496 HAYLER AVENUE 12-5THE COTTAGE REALTY

970-532-5900

$240,000 NW LOVELAND 1417 W 31ST STREET 1-3 THE GROUP, INC. 970-690-9459

$278,500 WINDSOR 7409 PIMLICO DRIVE 12-5 THE GROUP, INC. 970-443-4047

$298,664 NW LOVELAND 4355 RIDGWAY DRIVE 1-4THE COTTAGE REALTY

970-532-5900

$299,900 NW LOVELAND 1529 DRYLAND STREET 1-3 THE GROUP, INC. 970-412-7082

$314,000 WINDSOR 7407 PIMLICO DRIVE 12-5 THE GROUP, INC. 970-290-8097

$315,000 SW LOVELAND 663 MODENA COURT 9-12 THE GROUP, INC. 970-566-4626

$323,400 SW LOVELAND¼ MILE WEST OF WILSON ON 14TH STREET SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION

12-4 GLEN MARKETING 970-663-4522

$339,000 SE LOVELAND 4630 TARRAGON DRIVE 1-4 THE GROUP, INC. 970-217-3464

$389,750 SW LOVELAND 975 PRISM CACTUS CIRCLE 12-4 GLEN MARKETING 970-663-4522

$414,500 SW LOVELAND 459 CAPE DORY DRIVE 12-2 THE GROUP, INC. 970-391-4735

$535,000 NW LOVELAND 2096 VISTA DRIVE 1-3 THE GROUP, INC. 970-213-0554

$599,000 NW LOVELAND 1102 WOODS LANDING DRIVE 11-1 THE GROUP, INC. 970-672-7212

$825,000 SW LOVELAND 530 DEER MEADOW DRIVE 1:30-3:30 THE GROUP, INC. 970-679-8265

$895,000 SW LOVELAND 288 RESERVOIR DRIVE 1-4 PREMIER LIFESTYLE 970-481-5512

PRICE LOCATION ADDRESS HRS OFFICE PHONE

$125,000 NE LOVELAND 240 PIN OAK DRIVE 12:30-2:30 COLDWELL BANKER 970-690-5824

From the $140’s*

NW LOVELAND43RD & WILSON AVE THE COTTAGES AT ENCHANTMENT RIDGE

12-5 THE COTTAGE REALTY970-532-5900

$140’S -$220’S

SE LOVELANDBOISE VILLAGE NORTH, ¼ MILE SOUTH OF HWY 34 ON N. BOISE AVENUE, 1899 E. 11TH

10AM-6PM MIDTOWN HOMES 970-456-4600

$169,900* NW LOVELAND 4403 ELLIOT PLACE 12-5 THE COTTAGE REALTY970-532-5900

$170,000JOHNSTOWN – MILLIKEN

1849 CHESAPEAKE CIRCLE 12-3 THE GROUP, INC. 970-481-1250

$184,702 SE LOVELAND 255 CARINA CIRCLE #104 1-4 THE GROUP, INC. 970-481-9801

$225,900 WINDSOR 292 SARATOGA DRIVE 1-4 THE GROUP, INC. 970-310-8804

$232,000 NW LOVELAND 4496 HAYLER AVENUE 12-5 THE COTTAGE REALTY970-532-5900

$278,500 WINDSOR 7409 PIMLICO DRIVE 12-5 THE GROUP, INC. 970-443-4047

$279,900 FORT COLLINS 5457 WISHING WELL DRIVE 1-4 THE COTTAGE REALTY970-227-3893

$298,664 NW LOVELAND 4355 RIDGWAY DRIVE 1-4 THE COTTAGE REALTY970-532-5900

$299,900 NW LOVELAND 1529 DRYLAND STREET 1-3 THE GROUP, INC. 970-412-7082

$314,000 WINDSOR 7407 PIMLICO DRIVE 12-5 THE GROUP, INC. 970-290-8097

$323,400 SW LOVELAND¼ MILE WEST OF WILSON ON 14TH ST SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION

12-4 GLEN MARKETING 970-663-4522

$339,000 SE LOVELAND 4630 TARRAGON DRIVE 1-4 THE GROUP, INC. 970-217-3464

$389,750 SW LOVELAND 975 PRISM CACTUS CIRCLE 12-4 GLEN MARKETING 970-663-4522

$429,500 SW LOVELAND 503 EAGLE CREST COURT 11-1 THE GROUP, INC. 970-481-1250

$535,000 NW LOVELAND 2096 VISTA DRIVE 1-3 THE GROUP, INC. 970-213-0554

$599,000 NW LOVELAND 1102 WOODS LANDING DRIVE 11-1 THE GROUP, INC. 970-672-7212

$825,000 SW LOVELAND 530 DEER MEADOW DRIVE 1:30-3:30 THE GROUP, INC. 970-679-8265

$895,000 SW LOVELAND 288 RESERVOIR DR 1-4 PREMIER LIFESTYLE 970-481-5512

Saturday Reporter-Herald Januar y 29, 2011 E4

H& Front Range GardeningRE

Restore yardonce winter

weather is goneMETRO CR E AT I V E SE RV I C E S

Restoring a yard after along winter is a spring-time rite of passage for

many homeowners. Harshwinds and heavy snow cantake their toll on even themost beautiful landscape.

Spring is a homeowner’sfirst chance to survey thedamage and begin restoringthe yard to where it was be-fore all those strong windsand snowstorms. To get start-ed on your yard this spring,consider the following tips.

• Don’t begin too early. Theearly bird might get theworm, but the early home-owner might get a damagedlawn. If temperatures for anupcoming free weekend areunseasonably warm, it’s bestto avoid doing spring yardcleanup until there have beenseveral warm weekends tothaw the ground. Unless theground has completelythawed, footsteps on the yardwill damage the grass, com-pacting the soil and prevent-ing the air and moisture thatsoil needs from doing its joband penetrating the soil.What’s more, if the yard israked before the ground hasthawed, the rake might justbe pulling the grass out by itsro o t s .

• Survey the property. Aclose survey of the propertywill give homeowners an ideaof just how big or small theirrestoration project will be. Athorough survey will revealany problem areas and mayalso reveal some unexpectedguests. Rabbits and squirrelsoften nest in yards during thewinter. Rabbits will nest inthe ground, while squirrelstypically build nests made ofleaves in the trees. Unless it’sentirely necessary, avoid re-moving any nests, and be sureto carefully inspect the yardbefore the season’s first mow.

• Out with the old. Whenthe cleanup process is readyto begin, it’s time to remove

remnants from last season.This includes removing anydead plants as well as lastyear’s mulch. If new mulch issimply thrown on top of old,plants could suffocate.

Dead leaves also tend togather during the winter, of-ten up against fences or ahome’s exterior walls. Rakeup these dead leaves and addthem to the season’s com-post.

• Get rid of thatch. Thatchcan be soil’s worst enemy,preventing its access to thesunlight, air and moisture itneeds to make the lawn lookbeautiful and healthy. Thatchremoval can be tiresome, butvisit the local hardware storeand pick up a dethatchingrake to make the job a littleeasier. Thatch removal isn’talways necessary every spring.Many homeowners havefound removing thatch everyother year is effective enough.

• Aerate the yard to revivethe soil. Soil often becomescompacted as spring becomessummer and summer be-comes fall. This is especiallytrue of yards that are heavilyused, be it by kids playingoutdoors or families who loveto host warm weather gather-ings in the yard. Aerating inthe spring removes plugs ofsod from the soil, loosening itup and making it easier forair and water to reach thero o t s .

• Address those ugly baldspots. Bare spots in a yardcan result from any numberof things, be it a dog urinat-ing in the yard or even dis-ease. Early spring, when tem-peratures are a little coolerand promote grass growth, isa great time to address they a rd ’s bald spots. Do so byclearing away the spots andsprinkling the freshly exposedsoil with some grass seed.Then add some fertilizer andbe sure the newly seeded ar-eas get some water until thenew, healthy grass begins togrow in.

Gnomes & Flamingos:Pop culture in the plant world

Beat cabin feverwith outdoor craftsMETRO CR E AT I V ESE RV I C E S

As families awaitthe arrival ofwarmer weath-

er, there are thingsthey can do to pre-pare for a season of fun inthe sun. Engaging in somecraft projects are ways tobeat cabin fever while dream-ing of warm, springtimeweather to come.

There are many craft pro-jects families and childrencan tackle, but ideas that in-volve projects that can be putto use outdoors may be themost fitting. Fortunately,there are a number of ideasfor crafty projects to involveeveryone in the household.

B i rd h o u s e : Head to thehardware store and pick up afew supplies. Otherwise,chances are items that canbe made into a birdhouseprobably can be found fromscraps of materials alreadyaround the house or in thegarage. Scraps of wood, met-al, tiles, plastic, and the likecan be used to craft a birdhouse or feeder. Even anempty plastic bottle can beused. Some nesting material,such as pieces of yarn or cot-ton, can be placed inside thehouse to entice birds to takeup residence once the weath-er warms.

Stepping stones: Steppingstones can be a whimsicalway to dress up the outdoorgarden or yard. A trip to thecraft store for some plasteror even a quick-set cementcan be the medium to usefor the stones. Experimentwith shapes that can be usedas molds, and gather differ-ent materials that can beembedded into the steppingstone, such as pebbles, mar-bles, beads, etc. Use a pencilor another pointed tool toengrave a message or nameon the stepping stones be-

fore allowing them to dryand harden.

Kite: The beginning of thespring season often arrivesbehind a burst of wind. Makethe most of blustery condi-tions by crafting a kite froma kitchen trash bag, somesticks and string.

Garden gnomes: Craftstores often sell unfinishedpottery that can be paintedand sealed. See if gardengnomes or other whimsicalcreatures can be found. Useacrylic paint to decorate thefigurines in your favorite col-ors.

Outdoor games: A largepiece of plywood or fiber-board can serve as the gameboard for a number of differ-ent activities. Use spray paintto stencil on alternatingsquares of red and black for alarger than life checkerboardor chess board. For thosewith more time and creativestamina, use large stones topain on letters and make anoutdoor Scrabble board forfun times with family andfriends.

Painted flower pots: If thecolors and designs at the lo-cal garden center don’t fitwith a particular designscheme, buy unfinished ter-ra-cotta or plastic pots andpaint them with the designsand colors that coordinateb e t t e r.

Getting crafty doesn’t haveto mean knitting sweaters ordecoupage hat boxes. Bymaking items that can beput to use outdoors, familiescan usher in the spring sea-son a little early and reap therewards for months to come.

face, but now — particularly with pinkflamingos — people are doing it tonguein cheek, as a means of irony.”

Gnomes became popular centuriesago, first being produced in Thuringia,Germany, by Philip Griebel, who basedhis sculptures on local myths of gnomeshelping gardeners at night. From there,the gnomes caught on, with societiespromoting them and fan clubs devoted to‘freeing’ them. Though Travelocity’sgnome mascot travels the world willingly,most gnomes are victims of pranksterswho steal them to send abroad. Recently,two teenagers in Gillette, Wyoming, al-legedly pilfered over 140 gnomes beforethey were nabbed.

Flamingos are newer, introduced in1957 by Don Featherstone, an artist whoworked for Union Products. Sold in pairs,with one standing tall, the other withhead lowered to eat, flocks of these fowlare often used as a prank, planted ontolawns as a surprise greeting to the home-owner. To celebrate one famous flocking,the Madison, Wisconsin, Common Coun-cil declared the plastic pink flamingo theofficial city bird in 2009.

“I have no idea why people love flamin-gos so much, but we get calls from acrossthe country from people who wantthem,” said Claude Chapdelaine, VicePresident of Cado Products Company,makers of the original plastic pinkflamingos. “We make plastic frogs, tur-tles, penguins, but the flamingos are thething people want.”

Purchasing the copyrights and molds in2010, Cado Products are keeping theAmerican icon alive after a brief stint outof production. “It’s taken us a little timeto get ready for full production,” Chapde -laine said, “we had to put an addition on-to our factory in order to make them.But demand is huge, and this year weexpect to sell over 100,000 pairs ofthem.”

Gardeners are drawn to displayingthis kitsch for two reasons, said Ott: tomake an ironic statement celebratingtastelessness (which we actually reallylove), and as a conversation piece in par-ticular spaces. Stumble upon one in thegarden, and you’re sure to question the

gardener about their sanity.Are the differences in devotees of

gnomes or flamingos? Ott believes so,speculating that what you display says alot about how you want the world to viewyou. Someone who favors gnomes is pro-jecting a playful personality, one of ironicsensibility. Gnomes are whimsical, butbecause they’re small, they’re less notice-able.

Flamingos tell a different story; theneon pink ornament is in-your-face, pro-jecting a sense of counter culture andflaunting of rules. “By displaying flamin-gos, people are being transgressive;there’s almost a subversive elementthat’s less true of gnomes,” Ott said.“They’re socially edgy; the adult versionof being a punk rock teenager with col-ored hair.”

Subversive or subtle, your garden isricher because of these ornaments, sochoose them with care and display themp ro u d l y.

CA RO L O'MEARACSU EXTENSION, BOULDER COUNTY

On February 11, Walt Disney stu-dios is releasing a new movie,Gnomeo and Juliet, bringing to

the big screen two icons of the garden,superstars with devoted fans across theglobe: garden gnomes and pink flamin-gos. These pillars of pop culture areadored by gardeners, unlikely legendsthat spark passion in people.

Those that adore one usually scoff atthe other; the few who festoon their gar-dens with both are looked upon as need-ing to change their medication. Thesecheerful, brightly colored statues arebeloved by many; others, such as Britain’sRoyal Horticultural Society — o rg a n i z e r sof the premier Chelsea Flower Show —ban them for life. But love them or hatethem, they’ve carved a niche in gardenlore.

“The appeal of gnomes and flamingoslies precisely in the fact that they’retasteless art,” said Dr. Brian Ott, VisitingProfessor of Media Studies and pop cul-ture expert at the University of Colorado,Denver. “Our older generation may haveput them into the garden with a straight

Carol O’Meara is withCSU Extension inBoulder County.Contact her at303-678-6238 orcomeara@co. b o u l d e r. c o . u s .

2 BDRM townhouse aptwith DW, W/D hookup, pa-tio, storage shed. 1408 S.Douty ( S. of HP), no pets$545/mo (970)310-5179

2 BDRM apts: $625-$675+dep. Clean, fresh paint, smpets neg. Lvlnd 970-308-4096

2 BDRM 29th & Taft area,frplc. $715 + dep, heat/water/trash paid. Special1st mo. $350! 970-214-2057

2 BDRM, 1 BATH- 825 East7th St- 900 Sq. Ft. off st.prkg, A/C, coin-op. $600/mo. + dep. 970-481-2969

2 bdrm, 1 ba, ground level$640. Eat-in kit, AC, 8x10storage. 1846 E 16th. Nosmoke/pets. (970)667-0365

2 BDRM, 1 BA, bsmt apt,hkups, 1705 1/2 E 8th St,$725/mo Faith Property

970-377-1626

2 BDRM, 1 BA, $600/mo.WATER PAID! 2348 S.

Colorado, Quiet. No smoke/No pets. 970-218-0510

✭1 BDRM. Gar w/opener,W/D, DW. No smk/pets.$600 incl. Ht, wtr, trash.970-667-6199 or 231-2566

✭ No Fri Eve/Sat calls ✭

1 BDRM, $650/mo,heat & basic cable pd.Pantry, clean, Westlocation near shopping.No pets. 970-663-6787 or

970-430-0859

”0“ UTILS! 1 or 2 roomstudios, vintage apts. On-site mgmt. W/D, WiFi,DirTV $335-$630 970-219-6353

Apartments/Unfurnished 4030

Kitchenettes. Weekly,monthly rates. Utilitiespaid. Satellite TV, laundry

room. 970-663-0400

Apartments/Furnished 4010

To place an ad, call 970-635-3650 or go to www.ReporterHerald.com/classifieds and place yourad any time of the day or night. Fax: 970-635-3677…email: classifieds@reporter-herald.com

3 Bdrm, 2075 Grays Peak,$1050/mo. Avl 2/1. 1 car garrmpm.com. 970-669-0842

2 Bdrm- 1805 Grays Peak,$950. Avl 3/1, patio, garrmpm.com. 970-669-0842

Condos/Townhouses 4050

7-Bay Bldg, Greeley goodfor body shop, mechanic &towing. Fenced all around,2 offices. If interested970-663-2936 or 970-581-6888

6000 SF Retail/Warehouseon Hwy 287. Overhead door.970-593-2401 or 970-227-7447.

CommercialIndustrial 4040

✭ Mobile Home $550,rent includes utilities.430 E Eisenhower.

Estate Builder 970-667-3400

Executive 1 BDRMSpacious, well-appointedloft in Downtown Lovelandwith optional singe-car ga-rage. This beautiful 1100 sqft apartment is newly ren-ovated. $950 per month. Nosmoking or pets. Call970-980-6801 for application.

$899/Month, Utils Included,2 Bed/2 Full Ba, W/D Inc,new carpet, built 2000,balcony 970-667-7700x1061043 Eagle Dr Lvld

$595- 2306 S. Colorado #D.2 bdrm, 1.5 ba 4-plex, W/Dhkups, quiet. 720-936-1854.

LUXURIOUS UPSCALEAPARTMENTSSTUDIO, 1, 2, & 3

BEDROOMS- Pool, hot tub,24 hr. fitness center,business center, coffeeshop, salon, pizza & deli.OPEN HOUSE, Mon-Fri9am-6pm, Sat. 10am-5pm.325 E. 5th St., Loveland.

1-888-822-9346

3 BD or 2 BD- Free rent!Pets nego. Quiet & spac.$625-$795. 970-223-1349

Foothills Apts2 Bdrm Apartment Homes● Includes Washer & Dryer

● Park-Like Setting● Garages Available

1913 W. 15th St.970-669-7850 - Sorry no pets

Apartments/Unfurnished 4030

3 BDRM, unfin bsmt, 1 ba,dbl gar, Nice! Small petneg, no smk, SW Loveland,$975/mo. (970)667-8816

3 bdrm, 2 ba, 2 car, ranch,fncd yd, A/C, fam rm, deck,bsmt, $1175. 970-669-5788

3 BDRM, 1 BA, in 1/2duplex ranch. 1053 E. 5thSt. $675/mo. 970-290-1797

3 BD, 1.5 ba, lg fncd yd, 2car $1095+dep. 2330 W 22ndSt Lvld, N/P, 303-549-5715

2 bedroom, 1 bath, cornerlot, 1 car garage, hardwoodfloors, W/D hook up, petsOK. $750/month plus $750deposit 970-213-6498.

2 Bdrm, 2716 Susan Dr.$995. Unfin bsmt, pets negormpm.com. 970-669-0842

1 BDRM, carport, electric& water pd. 1225-1/2 E. 4thon alley. Small dog nego.

$545. 970-443-4072

Houses 4080

STORAGE 20 x 40with 14´ overhead door.

$325/mo. Call (970)481-5899

1 CAR GARAGE- $75/mo.Great for storage.

rmpm.com. 970-669-0842

12´ x 24´ Cold StorageGarage, avail 2/1/11.

$110/mo. Call 970-219-1914

Garages/StorageSpaces 4070

2 BDRM- 3494 Butternut$575/month. 2-Story

Call rmpm.com 669-0842

2 bdrm, 1 ba, gar, exc locin culdesac. 2 & 3 bdrm aptalso avail. 970-308-7387

1746 E 16th St. 2 BDRM,1 Ba, 1 car gar, $675/mo, nopets. Call Tom 970-679-8567

Duplexes 4060

3 BDRM- 433 12th $1195/moOvsz 2 car, bright & clean!Call rmpm.com 669-0842

3 Bdrm, 2120 SW 3rd, $1075Finished bsmt, 2 car garrmpm.com. 970-669-0842

Condos/Townhouses 4050

✭ 3 BDRM, 1 BATH ✭W. Hwy 34. $700/mo + dep.Pets on appr. Se HablaEspanol, 970-685-8573

✭ 2 BEDROOM HOMES ✭$575 to $650 + dep.

W. Hwy 34. Pets on apprSe Habla Espanol(970)685-8573

Mobile Homes/Spaces 4090

✔✔✔✔To ensure you receive

the best response to youradvertisement, pleasecheck your ad the first

day of publication.We regret we cannot be

responsible for morethan one day´s incorrect

insertion. Billinginquiries can be

initiated within 30 daysof ad expiration.

OWN your own home forwhat you pay in Rent!

Lowest rates,$0 - $1000 Down

Free Prequalification.Western Plains Realty

Ken or Tammy970-663-5008

Milliken-3 bedroom, 1 bath-House in nice rural setting,but also 3 blocks fromdowntown and close toschools. Super clean, newflooring, updated bath-room, fenced yard, doublegarage, laundry room,dishwasher. $850 mo. + de-posit. 970 371-6567.

Coming Soon...2 NewlyRemodeled Homes!

4 bdrm, 3 bath - $198,0003 bdrm, 2 bath - $155,000Western Plains Realty

(970)663-5008

4 Bdrm- 2090 Luvesta $3495Custom hone on 2 acres.Call rmpm.com 669-0842

3 BDRM, 2 ba, Tri-level,frpl, gar, 766 21st St SW,

$1250/moFaith Property 970-377-1626

3 BDRM 2 BA Tri-level2 car, cvd patio + deck 1311Ellen Pl Avl 1/15 $1050/mo.No smk/pets 970-667-2147

3 BDRM, 2 BA ranch, newcarpet & paint, 2 car gar.2514 N Empire, no smk/pets. $1100/mo. 970-690-1211

844 S. Edinburgh. Sharp up-dated 3 bdrm, 2 ba., 2 car,family room, fireplace, AC,$1,150/month. 970-481-7826.

Houses 4080

Rare opportunity to ownone of Boulder Countiesoldest! Established 1921coffee cafe, bakery & sodafountain, $150K. Realestate also available.303-709-6162,

Business 5026Opportunities

Retail & Office Spaces.Starting at $225. UtilitiesIncluded. 970-613-1477

Retail Space 4135

Fully furnished largerooms in Lvld. Laundry,A/C, cable, all util. incl.$325/mo. (970)412-6714.

RoomsFor Rent 4130

Downtown corner loc, bldgw/ 3 ofcs/recept area. 4 carprkg. $1000/mo 970-667-5145

Office Space 4100

I WILL MOVE YOURMOBILE HOME FREE

LOT RENTSTARTING @ $199250+Communitiesto choose from

Offer expires 2/25/2011970-420-8488

IT PAYS TO BUY!$1000.00 Cash RebateIf purchase Feb.

Easy Credit Low DownStarting under $699

That includes Lot Rent!970-420-8488

Mobile Homes/Spaces 4090

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News by:YOUReader -SubmittedNews -only at:

1 SHARE of Highland Ditch& 5 SHARES of McIntosh.

(720)204-7900

WaterRights 5200

1993 BERTHOUD mobilhome, rent to own. 2 bdrm,1 ba. (970)215-1819

Extra Nice 2006 DoubleWide 56x28, 3 bdrm/2bahome, lots of updates & lgefncd yd, Ft Collins. $35KFor appt 970-266-1718.

Mobile/ManufacturedHomes/Spaces 5130

BANK OWNED, HUD & VAwww.ForeclosuresInLoveland.com

to request a copy of the list!Julie Stinson RE/MAX

Alliance 970-622-1809

A picture is wortha thousand wordsTry a classified picture

ad! Call for details970-635-3650

Loveland 5110

WOW WHAT VIEWS!2.8 acres, water tap in &paid. Electric close, septicneeded & Ish res irrig wtr.$100K, just SE of Berthoud.Call Mark Sullivan at ERATradewind (303)684-6335

Farms, Ranches,Acreages 5050

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