Saturday Reporter-Herald Januar y 22, 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 22, 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

1100 N. TaftAve. # 17,Loveland

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Proper tyof the Week

AASpicks

winners

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ILY C E GLINKTRIBUNE MEDIA SE RV I C E S

Question: Our house caughtfire at the end of last month.The fire marshal condemnedour home. We got what we

could out of the home and are tryingto get back into our normal daily rou-tine.

We plan to have our home rebuilt.Our insurance representative ex-plained to us our policy and about us-ing their preferred contractors. Wehave met with one such contractor,they seem good, and we have refer-ences from them to call.

Do you have an opinion on this pro-gram? Although our initial impressionof their preferred contractor is posi-tive, we can’t find much consumer in-formation on this online and think theopinion of a disinterested party wouldbe wise before we sign up.

Answer: We ’re sorry to hear aboutyour unfortunate event of last month.How fortunate that nobody was hurt orinjured in the fire.

Working with insurance companieson fire losses can be a tricky situation,because if you aren’t savvy about howyou navigate the landscape, you couldwind up with less money to rebuildyour home.

Some insurance companies are bet-ter than others. If you have a recom-mendation for a contractor from theinsurance company, you should use ev-ery means at your disposal to investi-gate them. You might try the BetterBusiness Bureau, your local city build-ing department and any people they

Insurance tofund homere b u i l d i n gafter fire

Survey says:Optimism remains

Americans still viewhomeownership as a smart

long-term decision HUD.GOV

U.S. Housing and Urban Development(HUD) Secretary Shaun Donovan to-day awarded nearly $18.6 million in

funding to keep 84 of local homeless assis-tance programs in Colorado operational inthe coming year. The grants announced todayform a critical foundation for the Obama Ad-ministration’s Opening Doors strategy, thenation’s first comprehensive plan to preventand end homelessness. Funding will be provid-ed to partners in Colorado’s three Continuumof Care groups:

• Metropolitan Denver Homeless Initiative— $14,007,144;

• Colorado Springs and El Paso County —$1,691,400;

• Colorado Balance of State — $2,934,992;and the total amount awarded for the entirestate of Colorado is $18,633,536.

The announcement also comes just a weekbefore thousands of volunteers in nearly everycity and county conduct a national one-nightcount of homeless persons and families.HUD’s Let’s Make Everybody Count! cam-paign is intended to document trends inhomelessness that are crucial to local plan-ners’ efforts to prevent and end homelessnessin their areas.

“There is a tremendous need on our streetsand in our shelters among those experiencingboth long-term homelessness as well as fami-lies confronting a sudden economic crisis,”Donovan said. “These grants are the life bloodfor thousands of local housing and serviceprograms that are doing the heavy lifting tomeet President Obama’s goal of endinghomelessness.”

In June, 19 federal agencies and offices thatform the U.S. Interagency Council on Home-lessness (USICH) submitted to the Presidentand Congress the nation’s first comprehen-sive strategy to prevent and end

HUD Awards$18.6 Million toassist homelessprograms inC o l o ra d o

NAT I O N A L AS S O C I AT I O N OF RE-A LT O R S

Asubstantial majority ofboth homeowners andcurrent renters agree

that owning a home is a smartdecision over the long term.That’s according to the resultsof a National Association of Re-altors survey of 3,793 adultsconducted online by Harris In-teractive.

The American AttitudesAbout Homeownership surveyfound that in today’s challeng-ing economy, 95 percent ofowners and 72 percent ofrenters believe that over a peri-od of several years, it makesmore sense to own a home. Inaddition, an overwhelming ma-jority of homeowners are happywith their decision to own ahome — 93 percent of ownerssurveyed would buy again.

“Homeowners and rentersagree that home ownershipbenefits individuals and fami-lies, strengthens our communi-ties, and is integral to our na-tion’s economy,” said NationalAssociation of Realtors Presi-dent Ron Phipps, broker-presi-dent of Phipps Realty in War-wick, R.I. “The results of thissurvey illustrate just how im-portant issues related to homeownership are to people in thiscountr y.”

The survey uncovered somedifferences between homeown-

ers and renters, as well. Whilemore than half of owners are“ver y” or “extremely” satisfiedwith the overall quality of theirfamily life, only one-third ofrenters report the same levelsof satisfaction. Similarly, 43percent of home owners arevery/extremely satisfied withtheir community life, com-pared with 30 percent ofrenters.

A majority of renters — 63percent — said that it was atleast somewhat likely that theywould purchase a home atsome point in the future.Among this group, youngadults (18-29 years old) havethe strongest aspirations forhomeownership; only 8 percentof young adults said that it was“not at all likely” that theywould purchase a home atsome point in the future.

In today’s market, many as-piring homeowners are facedwith worries about job securityand creditworthiness. Amongrenters who are very or ex-tremely likely to buy a home inthe future, three out of fiveconsider confidence in job se-curity and creditworthiness tobe an obstacle.

One point of agreement be-tween renters and home own-ers was support of the mort-gage interest deduction (MID).Seventy-four percent of ownersand 62 percent of renters sayit’s “extremely” or “ver y” im -

portant that the MID remain inplace.

“At a time when the middleclass is under increasing eco-nomic pressures, both home-owners and renters agree thatthe mortgage interest deduc-tion should not be targeted forchange,” Phipps said. “Givenstrong public support of andaspirations toward owning ahome, we need to keep policiesin place that support and en-courage responsible, sustain-able home ownership for ourfuture.”

This survey was conductedonline within the U.S. and field-ed October 6-20, 2010. A totalof 3,793 adults, 18 and olderwere surveyed, including 1,880home owners, 1,115 renters,and 798 young adults. All sam-ples came from the Harris Pollonline database and wereweighted for age, sex, race/eth-nicity, education, region andhousehold income to be repre-sentative of the U.S. generalpopulation of adults 18 andolder. Propensity score weight-ing was also used to adjust forrespondents’ propensity to beonline. Results are available on-line at www.realtor.org/statsanddata/homeownership/attitudes_homeown.

� See HUD/Page E4

03-323064

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

4253 LaVeta Drive, Loveland

OPEN HOUSE SUNDAY 1-3PM

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

Cory RobertsPremier Lifestyle Realty(970) 613-4400

DISCOVER this stucco/brick 3 bdrm, 2 bath updated ranch home w/basement & oversized attached 2 car garage PLUS DETACHED 20x24 heated garage w/elec, also RV/Boat Parking. NO HOA, ONLY $223,900.

2117 S. Arthur

OPEN HOUSE SATURDAY 1-3

Sharon CookNoCo Realty Inc. (970) 679-9900sharon@nocorealty.comwww.3854foothills.com

NEW LISTING! 3 BD, 3 BA, fi n. bsmt, new carpet, clean, crisp & bright in Mariana Butte. ALL STAGING FURNITURE AVAILABLE FOR PURCHASE! Home Accent Warehouse offering furniture, fl oral, artwork & accessories at40-50% off retail. $229,500. MLS 645312.

3854 Foothills Dr, Loveland

OPEN HOUSE SAT 1-4

Michael Arruabarrena 970-206-8220RE/MAX Alliance 970-226-39904703 Boardwalk Dr, Ft Collins, CO 80525MichaelA@rmfa.com

West Lake Village (just South of Taft & Hwy 34). Lovely 3 bedrm/2 bath all brick ranch style end unit is move-in ready & sparkles with new carpet & paint! Price Reduced to $155,000. MLS #632727

1100 North Taft #17, Loveland

OPEN SUNDAY 1:00 - 3:00

Brand new, fully landscaped 2,406 SF Ranch. Vaulted kitchen w/ raised bar, vaulted great rooom w/ ent. center & desk nooks. Vaulted mster bed w/ dual vanity, walk-in closet. Lrg covered porch $188,700

1815 E 9th St, Loveland, CO

PERFECT HOME FOR ENTERTAINING!

Rollin GoeringMidtown Homes970-402-6432www.newmidtownhomes.comwww.thecrestedbuttemodel.com

Custom-built ranch home in Mariana Cove! 4050 total sf, 4 BD, 4 BA, mahogany & bamboo fl ooring throughout. Open kitchen w/ walk-in pantry, 42” hickory cabinets & center island w/ veggie prep sink!

5567 Stone Church Ct - Loveland

WARM & INVITING-$389,000

Marian Maggi970-290-0908marian@berthoudrealestate.comwww.berthoudrealestate.com

Wonderful 3 bd, 2 ba ranch style home with mtn views. 3 car garage. 5.43 acres could be used for horse facility or could be a great in-home commercial business. Water rights included. $325,000

2640 East Highway 402, Loveland

OPEN HOUSE SATURDAY 12-2PM

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

5bd, 4ba home on 3.8 acres w/ mtn views.3 Stalls, heated tack room and fully fenced. 4/5 bd, 4 ba, 3 car ga. RV pkg w/ hook ups MLS# 643768 $725,000

3714 Coyote Trail, Berthoud

OPEN HOUSE SATURDAY 12-2

Kurt Albers Century 21 Humpal, Inc970-231-1224Kurt.Albers@century21.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

Hosted by: Ruth Wheeler 970-231-8420 • rwheeler10@yahoo.comListed by: Randy Ewan 970-481-5102RE/MAX Alliance 970-226-3990

4 bed, 3 baths, 3 car tandem garage, 2 story in Hunter’s Run. Almost 3700 sf, hardwood fl oors, & 2 story great room. Directions: W on 29th past Wilson, right on Hudson, left on Sedgwick. $275,000.

3343 Sedgwick Circle, Loveland

OPEN SATURDAY 1:30 P.M. - 3:30 P.M.

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

$300,000 - $399,999$300,000 - $399,999 $500,000 +$500,000 +$200,000 - $299,999$200,000 - $299,999

Saturday Reporter-Herald Januar y 22, 2011 E2

Mortgage rate update

30-year fixed

15-year fixed

5/1 ARM

This week Last week Tre n d

4.76%

4.06%

3.43%

4.80%

4.08%

3.45%

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

Pr i c e : $155,000Built in: 1978Square feet: 1,560Bedrooms: 3Bathrooms: 2 (One full and one

three quarter)

This wonderful all brick town-home-style condo offers the ulti-mate in affordable, carefree and

tranquil living.It is a ranch-style end unit conve-

niently located in a quiet, safe area.The property features new carpet

and interior paint, a comfortableden/sun room off of the dining area toenjoy the serenity of the neighborhoodand ample closet and storage space.Residents will enjoy spacious roomsand an open floor plan. Pets are not al-lowed, and per covenants, there is anage restriction of 18+.

Open house Sunday from 1-3 p.m.Contact: Michael Arruabarrena,

RE/MAX Alliance, 970-206-8220 ormichaela@rmfa.com

1100 N. Taft #17, Loveland

H& Property of the WeekRE

sfuller@amfam.com • 593-5620

Stacia A. Fuller Agency10th & Lincoln, Loveland

Auto? Home? Life? Yes!

04-323605

Open Houses This Weekend - www.thegroupinc.com

SATURDAY 1:00 - 3:001040 Wisteria Drive, Loveland�������������������� ����� � �������� ����� ����� ������� ������ ������� ��� ����������� � ����������������������� ��� �������������������!��� ������������ ���� � ������� ��� ������"��#� �"����� ��������$ �� %� ����������&������� ����� ���� �������� ������ ������� ����� ��'��

Call Mark Moran218-1891

$285,000()*+,&/0,1

SATURDAY 11:00 - 2:001443 Grand Avenue, Windsor���2���$3������������������������� � ����� � ���� �� ����� �4 �� ��� ��� ����� 5�����������**������ ��� %� ���������5��� ������������������ �5���� ��� �����������������5������6����� ��� �������(2**7�3���� ��� �����������8��� � ���� ����������������� ���9�������������������� ������� ��� 6

Call Jesse Laner672-7212

$295,000()*+,::1,,

SATURDAY/SUNDAY 1:00 - 4:0010818 Cimarron Street #305, Firestone� �� ; ���� ���'����� ��� �' ���������� ��������������������������< �������������� =������*���� �������� %����� ��2����������������� ������������ ���;�� �� ���������:���������� ����� ������ ���� ���� '� ��

Call Rhonda Heth or John Simmons556-3516 & 481-1250

Call Diana Luthi481-2692

$169,500()*+,>/&>?

$156,500()*+,:8,08

SATURDAY/SUNDAY 1:00 - 3:00812 S. Del Norte Avenue, Loveland� �� 2��� ������ ������ ��� � ��� �� ���� �4� @�� ������� �� ����� � ��� �4�� ���A ��>������� ��&�� ���������4�#� �>������ �������� ������� �5��������� ������@ ��� ����>??:������ �������� ��� � ���24;�5���� ��������

SATURDAY 12:00 - 2:00 SUNDAY 1:30 - 3:302102 Farisita Drive, Loveland���;������������������������ ��<� ��>�???��B�� �� ����� �� � ���$ ����� ��������������*����� ����� ,� � �� ������� ! ��� �������� C ��� � �� ���� ���A ����� ���� ������� ��� ���*���������� �������D���� ����� �� ��� �� )����� 5� ������� ����� �� %����� � ������� ������@����E ���)� �

2766 27th Court SW, Loveland���E32�97D�)�E2@F27$�!@7;3G����� ���� � ����� �� ��� �� 5� ����� � I������� ����� ��������#� �� �������������� ������4� � �������� ������ ����� ����� ��� ���� � ������� ��A�� ��� ���� �� ��� ���E� � ������� %����������������������������0�???��B�=������������������������ � ��� �

Call Cindy Kurtz962-6832

Call Don A. Riedel679-8265

$235,000()*+,&:>&0

$260,000()*+,&&J?:

SATURDAY 1:00 - 3:002179 Chancery Drive, Loveland� �� E��� �� ��� �� ���� ����� ����� *������� >������� ����� ���� �������� ���� ����� ��� )�� � ����� �� ��� ����� ������� ��� �� ��� ��� ��������:�� ��������&��������������������<� ������������������ ��� ���������������� �� %����� ��;��� ������������ ��������� � ����� ��

Call Bob Skillman631-2257

$195,000()*+,:>/08

)2K3*7G3�93@@2;3�3*9293*

;<(!)393)L�@3(<G3)3G6

FRIDAY-SUNDAY 1:00 - 4:00255 Carina Circle #104, Loveland� �� F��� � ���� ���� **�������������������� ��� ��������� ����5�������������9� ��� � ����� ���6� I<2� ��� ��� �� ��� � � ��� ������ %� �������� � �5������ ������� �5������ ��������� ���������� �������5���������

����������������481-9801

Priced From $151,000()*+,>:?&/

9I3*3��$79*�2@3�)<2G3G6

SATURDAY 1:00 - 3:003655 Carbondale Street, Loveland���&�� �������>���������������<� �C��� �������������2�� �I�� ���E�����F� ��)�� � ��� �� ����� 8��� ����� ;������� ���� � ������� ��� ������� �� ���� �� ��� ���� )�� � ��� � �� ���� �� �������������������������� ��������� � ��0>�%�0>������ ����$�� �������� ���)�� �:�%�J��� ��

Call Michelle Hubbard690-6706

$187,000()*+,:880/

THURSDAY - SUNDAY 1:00 - 4:00680 Moonglow Drive, Windsor���$ ��I�� �����'����M0/?�???�6�@���5�>������������! �����A ��������� ����������������������D����������������������� ���������� ���(�� �����E�� ���������� ���� �5�������;������������� �����A �������������6

Call Jim Watson219-5219

$192,000()*+,:?10:

$3��I<(3*6

SATURDAY/SUNDAY 1:00 - 4:001849 Chesapeake Circle A, Johnstown� ��&������ ����� � ��5� 0� �� �� �������'��� (�� � � �� � ������ �� �4�� � ����� ����� D ��� �� ��� ����� �N� � ���� 24;���� ��� ��'� � ������ ���'� ��������%��� ���4�������������� � ������ ��������5���� ��

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

$196,900()*+,:>1>?

SATURDAY/SUNDAY 12:00 - 5:007409 Pimlico Drive, Windsor���E �'����:�� �������>�8�������� ����������������� ������� ������ ��&������� ��� �� � �� �� �� ���A �� ���� ������ ��� �� � ��� ��<��� ��� �� �P �� ��� ���� � ��� � �4����� B������ 5� ���� #�� ����2�������������� ������� ���� '� �6

Call Carole Newberry443-4047

$278,500()*+,:?:/,

SUNDAY 1:30 - 3:301506 Farmland Street, Loveland� ��@������� ���� ��<� ����������4�� ���������� ���������5���� ������ ��&,Q���������5���������2G2���������������E� � ��� � ���4�� ��� �4�� ��� ���� �� ;�� � �� � ��� 5� ����� ���� ��� ������� ����� �������� ��� ��� ����2;������� �

Call John Simmons481-1250

$279,000()*+,::JJ?

SATURDAY/SUNDAY 12:00 - 5:007407 Pimlico Drive, Windsor���E��� ����� ��>8??��B�� �� ���:�E ��������>�04>������������������ ���<� ���A ����������������� ���� ��)��� ����� ����������� 2� ����� � 6� 2��� ����� ���� �� �� ����� ���� '� �

Call Kristen Specketer290-8097

$314,000()*+,:?1>1

SATURDAY 1:00 - 3:001746 Monarch Circle, Loveland� �� >� ������ ��� � �P �������%��� ��� >0??� ���� �� �B� =� �4� &� � �������� &� �����5� � ����� ����� �� �� � �� �4� /� ����� � ������� ��B� � :���� �� �� ��� �� <� � ����� ���� ����� �� ����� ���E �'�������� ������������6�E��������� ���� ��)��� ����I����!��������� ����� �����������������

Call Dianne Breneman222-8549

$314,900()*+,:081/

TUESDAY - SUNDAY 1:00 - 4:004630 Tarragon Drive, Loveland - NEW PATIO HOME MODEL IN THOMPSON CROSSING�� ;���� � ��� ,� ���� ����� &������� � ��'���� ��� � � � �� ������ �� ���� ���� I<2� �� ���;�� � �� ���'��� � �� ���� �� ���� 3R��� �� � ������� M��������� �����������5� ����� ������7�>8��)������ � �������������� ��6

Call Becky Vasos217-9874

$339,000()*+,:8&J:

SATURDAY/SUNDAY 1:00 - 4:00 SATURDAY 12:00 - 3:00 SUNDAY 1:00 - 3:00

SUNDAY 1:00 - 3:00

4743 Sorrel Lane, Loveland - AVAILABLE NOW!�@��������������0??�=������ � ������ ������ � ��� ��� ���9����>��������� ��������������������������������>%,�������/>S� P����� �5�� ��� ������ ������ ����� ������������ �������� ������ 8� ��� ����� ����� &� ��� ���� ��� � �� �'�� 5���� 66�I��� ����N�K����2�� ��A�,/?�,?00�

103 Common Drive, Berthoud���>���������� ���)����� ������� ;�� � �� ����� ������� ������ ������ ����� � �� K���� �� ��� ��9������������ ���� ��������� �'� ����� ������5���� �������2����� ��� ��������� ������������������ ���6�/=�� ���������� ������ ���� � ���J=����� ����������� �&������� �

530 Deer Meadow Drive, Loveland� �� U������ ������� �����2��'� *����� � I�� ��� 3R��� �� � ��� ����������� ���� ���� ���� ���(���E�V �F����;���� 6�F��������� ���� ���� ������ �� � �� ������ � ��� ! � ����� B�� �� � X�� �������B������ ��������� �������� ����������� ���� ������ �������� ��G ��( �����( ����G��������

542 Deer Meadow Drive, Loveland� �� U������ ������� �����2��'� *����� � I�� ��� 3R��� �� � ��� ����������� ���� ���� ���� ���(���E�V �F����;���� ��������� �� ������� ��� ! � ���� �� B�� �� � X�� ����� ��B���� �� ��� ������ ������ �� � ����� ����� �� �� �� �� �� � ����� �� �� G ��( �����( ����G��������

Call Valerie Schlageter214-3464

Call Denise Kloster402-9100

Call Nancy Walkowicz461-7136

Call Robert Walkowicz481-6077

$365,000()*+,:?&1>

$365,000()*+,>>11J

$825,000()*+,:8J,&

$875,000()*+,:8J,&

AN EXCLUSIVE SERVICE OF THE GROUP, INC. REAL ESTATE

Northern Colorado Real Estate SourceThe Real Estate Source is a magazine produced by The Group featuring

homes for sale and new home neighborhoods throughout Northern Colorado.

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

03-322766

Saturday Reporter-Herald Januar y 22, 2011 E3

H& Real Estate TransactionsRE

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

L oveland• Roger & Sally

Barnes from CurtisBader, 3868 Glade Rd,Loveland, $230,000,home

• Dale & AliceJohnke from EugeneCastleberry, 2580Lochbuie Cir, Love-land, $289,500, home

• Robin & EviePlummer from CJSterling ContractingLLC, 1911 SagittariusDr, Loveland,$153,500, home

• Holly Degrootfrom Raoul Degroot,4815 Hahns Peak DrUnit 101, Loveland,$129,000, condo

• Sheila & DaleWarren from LornaGreene, 2265 Arika-ree Ct, Loveland,$147,000, home

• Leonard Gatesfrom Larry Hender-son, 217 Courtney Dr,Loveland, $150,000,home

• Roger & JenniferPing from DelphineHughes, 1765 E 15thSt, Loveland,$140,000, home

• Michael Tabkefrom J P ServicesLLC, 124 S ClevelandAve, Loveland,$154,500, home

• Stephen & SusanMyers from DaleJohnke, 2951 SallyAnn Dr, Loveland,$187,000, home

• David & MaryShirk from JonathanJoy, 2719 Granada Dr,Loveland, $227,500,home

• Melinda Macpher-son from CharlotteKelsey, 612 E 7th St,

Loveland, $120,000,home

• Kenneth & DebraEiten from JosephLloyd, 1269 Alpine Pl,Loveland, $155,000,home

• Eugene & MarilouShreck from LovelandMidtown DevelopmentI, 1818 E 9th St, Love-land, $168,000, home

• Reach LLC fromLuke Sinden, 753 Zir-con Ave, Loveland,$165,000, home

• Jeffery & SaraVanwinkle fromRichard Strayer, 1697Oxford Dr, Loveland,$205,000, home

• Harold & Willemt-je Tolsma from WellsFargo Bank, 4438Obrien Dr, Loveland,$242,000, home

• Linda & TedSchlagenhauf fromLeah Doll, 2986 Pur-gatory Creek Dr, Love-land, $279,200, home

• Peggy & JeffreyNorth from KennethEiten, 705 E 23rd St,Loveland, $137,500,home

• Gregory Goode-now from WilliamHorton, 3851 MinturnCt, Loveland,$210,000, home

• Michael & FeliciaKnee from CreightonLake, 313 Rossum Dr,Loveland, $950,000,home

• Jennifer Rileyfrom Loveland HabitatFor Humanity, 2121Sagittarius Dr, Love-land, $162,000, home

• Grant Hall fromLoveland Habitat ForHumanity, 2132 E11th St, Loveland,$162,000, home

• Lake LLC fromStephen Mcmillan,516 W EisenhowerBlvd, Loveland,$299,000, home

• Triclops LLC fromUS Bank, 514 W 66th

St, Loveland,$140,000, home

• Miracles LLCfrom Barlow Inc, 522W 66th St, Loveland,$125,000, home

• Stuart & KathrynVeltkamp from JamesCarolus, 1220 WhiteFir Pl, Loveland,$180,000, home

• Kristin Hall fromJonathan Mooy, 660Blue Azurite Ave,Loveland, $187,000,home

• Richard & BrookeLoch from John Sim-mons, 558 SundiskDr, Loveland,$194,000, home

• Chris Hinojosafrom Corinne Thomas,5454 Wild Ln, Love-land, $153,000, home

• Tyson & KatieWiegel from Arrow-head Properties LLC,4022 Rocky Ford Dr,Loveland, $184,000,home

• Cynthia Merolafrom Jim Gordon,1678 Park Dr, Love-land, $248,000, home

• Charles & AftonFarasyn from LeonardHergenreter, 1324 DelSol Dr, Loveland,$400,000, home

• Julie & HazelFlook from Oak ValleyHomes LLC, 315 Cari-na Cir Unit 103, Love-land, $180,000, condo

• Robert Balserfrom Claud Rich-mond, 801 W 36th St,Loveland, $215,000,home

• Timothy & LeslieWhite from Eddie Ro-jas, 1898 Monarch Cir,Loveland, $250,000,home

• Shannon Newtonfrom Bobbie JoBrown, 1532 OakCreek Dr, Loveland,$110,000, home

• Michael Kalsteinfrom James Holman,835 Longspur St,

Loveland, $320,000,home

• Btt LLC from RVThree LLC, 2915Rocky Mountain Ave,L oveland,$14200,000, home

Berthoud• Traig & Shannon

Kyllo from JulieBowler, 500 1st St,Berthoud, $265,000,home

• Resident fromRobert Nolan, 1587Preserve Dr,Berthoud,$1,275,000, home

• Walter Allen fromThomas Hoekstra,875 N County Road17, Berthoud,$345,000, home

Estes Park• William & Patricia

Stevens from AnnaBelle Kritser Ii Trust,3190 Rockwood Ln W,Estes Park, $790,000,home

• Derek & MaeganLee from CrystalCreek DevelopmentInc, 140 WillowstoneDr Unit 12, EstesPark, $355,600, condo

• Kreg & Jane Ley-master fromStonewood Properties,138 Stanley Circle Dr,Estes Park, $680,000,home

• Michael & MaryBolner from JamesBosier, 2120 Fall RiverRd Unit 12, EstesPark, $294,500, condo

• Larry & Gail Jack-son from Fannie Mae,1047 Tranquil Ln,Estes Park, $250,000,home

• Jane Leroux fromJoel Meyer, 512 SaintVrain Ln Unit C, EstesPark, $165,000, condo

Johnstown• Harmon & Laurie

Anderson from Stoner

Co, 4744 ThompsonPky, Johnstown,$1,200,000, home

• Micala Muncyfrom John Chambers,2211 Black Duck Ave,Johnstown, $210,000,home

• Kace LLC fromDeutsche BK NatlTrust Co, 4302 Cob-blestone Ln, John-stown, $148,500,home

• Edward & ShirleyCurrington fromStephen Lindsey, 424Gypsum Ln, John-stown, $187,000,home

• Chad Sailors fromRyland Group Inc,2695 White Wing Rd,Johnstown, $272,000,home

• Mitchell Fleschfrom Oakwood HomesLLC, 3913 BalsawoodLn, Johnstown,$177,000, home

• Joseph Re-ichelderfer from ScottRobertson, 3754Barnard Ln, John-stown, $200,000,home

M i l l i ke n• Alan & Audra Plai-

sance from David Gar-cia, 1150 Norma Ct,Milliken, $140,300,home

• Nanette Tunheimfrom Scott Gromer,2492 Birdie Dr, Mil-liken, $255,000,home

• Stephen & MarieOdaniels from RandyLam, 2564 CarriageDr, Milliken,$162,500, home

• Garrett Hilts fromKevin Peterson, 241 EHolly St, Milliken,$128,000, home

Windsor• Ian & Christine

Wale from Homes Dis-tinction Inc, 6830

Pumpkin Ridge Dr,Windsor, $363,500,home

• Michael & MelanMunn from MelodyHomes Inc, 632 Lan-ley Dr, Windsor,$227,900, home

• Lucas Vincentfrom Jesse Schleiger,213 Locust St, Wind-sor, $147,000, home

• Phoenix & NaomiThomas from StanleySchumm, 378 BuffaloDr, Windsor,$190,000, home

• C a m e ro nMclaughlin from Lin-da Hubbard, 520 OakSt, Windsor,$129,000, home

• Dustin Khaffajifrom Melody HomesInc, 1545 EdenbridgeDr, Windsor,$268,000, home

• Marjorie Bourne-miller from ShirliHayes, 1357 Board-walk Dr, Windsor,$190,000, home

• Kevan Goodmanfrom Kent Highfill,809 Bluegrass Way,Windsor, $150,000,home

• Daniel & MelissaMcguire from JP Mor-gan Chase Bk, 7331County Road 60,Windsor, $395,000,home

• Geoff & Erin Liv-ingstone from NatlResidential NomineeServi, 906 WoodbineDr, Windsor,$148,000, home

• William & RhondaAnderson from LesliePercival, 397 SorrelDr, Windsor,$219,000, home

• Jarred Fuentesfrom Sage HomesLLC, 652 SundanceDr, Windsor,$258,000, home

have referred you to. Just make sure that youare being referred to clients they most re-cently assisted and not people they helpedout five years ago.

You should also make sure that the compa-ny is properly licensed in your state and car-ries the right amount of insurance

The reputation of your insurance companyin your area is also important. If your insur-ance company has a good reputation for as-sisting homeowners in your situation, youmight be in better shape than if your insur-ance company doesn’t deal well with home-owners.

Before you accept any settlement to re-build your home, make sure you have an in-dependent architect or qualified homebuilder review the plans and specificationswith you. You are building a new home. Youneed to know what will be included in theprice tag and what you’ll have to pay for out-side of the insurance proceeds. Your percep-tion of the end product may be quite differ-ent from what your insurance company andits contractors believe should be the end re-sult.

There are experts out there who can helpyou go through the process, and you maywell want to find one to help you. You alsoneed to understand the terms of your insur-ance policy before you sign on the dottedline. You need to know what responsibilityyour insurance company will have to rebuildyour home, to what extent, and with whatfinishes.

Some insurance policies will limit the ex-tent to which a home will be rebuilt. Some ofthese limits may arise due to the age of ahome. If a home was built 100 years ago, thehome built now may require differences inconstruction materials, layouts, and otherlife and safety improvements. All of thesechanges may cost more money, and you needto know whether your policy will cover all ofthese changes before you start reconstruc-tion of the home.

Once you know more and understand whatyou are getting, you’ll have a better idea ifthe contractor will act on your side, or if thecontractor is trying to meet the budget setby the insurance company. Your insurancecompany’s budget may not be good enoughfor you, and you may need to get other esti-mates to make sure that the home is built asyou would have expected.

GLINKFrom Page E1

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

03-321058

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

$151,000 SE LOVELAND 255 CARINA CIRCLE #104 1-4 THE GROUP, INC. 970-481-9801

$156,500 SW LOVELAND 812 S DEL NORTE AVE 1-3 THE GROUP, INC. 970-481-2692

$169,500 BERTHOUD 10818 CIMARRON STREET #305 1-4 THE GROUP, INC. 970-556-3516

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

970-532-5900

$187,000 NW LOVELAND 3655 CARBONDALE STREET 1-3 THE GROUP, INC. 970-690-6706

$192,000 WINDSOR 680 MOONGLOW DRIVE 1-4 THE GROUP, INC. 970-219-5219

$195,000 NE LOVELAND 2179 CHANCERY DRIVE 1-3 THE GROUP, INC. 970-631-2257

$196,900JOHNSTOWN – MILLIKEN

1849 CHESAPEAKE CIRCLE 1-4 THE GROUP, INC. 970-481-1250

$200,000 SE LOVELAND 806 ANDROMEDA 2-5 COLDWELL BANKER 970-566-1217

$229,500 SW LOVELAND 3854 FOOTHILLS DRIVE 1-4 NO CO REALTY 970-679-9900

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

970-532-5900

$235,000 NW LOVELAND 2102 FARISITA DRIVE 12-2 THE GROUP, INC. 970-962-6832

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

$285,000 NW LOVELAND 1040 WISTERIA DRIVE 1-3 THE GROUP, INC. 970-218-1891

$295,000 WINDSOR 1443 GRAND AVENUE 11-2 THE GROUP, INC. 970-672-7212

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

970-532-5900

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

$314,900 NE LOVELAND 1746 MONARCH CIRCLE 1-3 THE GROUP, INC. 970-222-8549

$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. 970-217-9874

$365,000 BERTHOUD 103 COMMON DRIVE 12-3 THE GROUP, INC. 970-402-9100

$365,000 SE LOVELAND 4743 SORREL LANE 1-4 THE GROUP, INC. 970-214-3464

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

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

PRICE LOCATION ADDRESS HRS OFFICE PHONE

From the $140’s*

NW LOVELAND43RD & WILSON AVE THE COTTAGES AT ENCHANTMENT RIDGE

12-5 THE COTTAGE REALTY970-532-5900

$142,000 SW LOVELAND 1209 EILENE PLACE 2-4 COLDWELL BANKER 970-669-4602

$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

$151,000 SE LOVELAND 255 CARINA CIRCLE #104 1-4 THE GROUP, INC. 970-481-9801

$169,500 BERTHOUD 10818 CIMARRON STREET #305 1-4 THE GROUP, INC. 970-556-3516

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

$184,000 NW LOVELAND 3978 BOULDER DRIVE 11-1:30 COLDWELL BANKER 970-669-4602

$192,000 WINDSOR 680 MOONGLOW DRIVE 1-4 THE GROUP, INC. 970-219-5219

$196,900JOHNSTOWN – MILLIKEN

1849 CHESAPEAKE CIRCLE 1-4 THE GROUP, INC. 970-481-1250

$200,000 SE LOVELAND 806 ANDROMEDA 12:30-4:30 COLDWELL BANKER 970-566-1217

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

$260,000 SW LOVELAND 2766 27TH COURT SW 1:30-3:30 THE GROUP, INC. 970-679-8265

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

$279,000 NW LOVELAND 1506 FARMLAND STREET 1:30-3:30 THE GROUP, INC. 970-481-1250

$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

$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. 970-217-9874

$354,800 NE LOVELAND 2963 PURGATORY CREEK 1-3RE/MAX ACTION BROKERS

970-290-8308

$365,000 SE LOVELAND 4743 SORREL LANE 1-4 THE GROUP, INC. 970-214-3464

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

$825,000 SW LOVELAND 530 DEER MEADOW DRIVE 1-3 THE GROUP, INC. 970-461-7136

$875,000 SW LOVELAND 524 DEER MEADOW DRIVE 1-3 THE GROUP, INC. 970-481-6077

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

Saturday Reporter-Herald Januar y 22, 2011 E4

H& Front Range GardeningRE

Award-winning breeds great for the gardenExpert design tips

to get yourlandscape in shape

ARITICLE RESOURCE AS S O C I AT I O N

The chill of winter winds might have you wishing for thefirst buds of spring, but garden lovers don’t need to letthe cold season get them down. In fact, this can be the

ideal time to start planning your landscape for spring and sum-mer. Leaving the work until the last minute, when plants arestarting to push up through the ground, will only delay your en-joyment. So harness your excitement for spring and prepare aplan with some expert help.

Tackling a landscaping plan can be overwhelming, so it’s agood idea to consult a professional landscape designer whoknows the ins and outs of when, where and how to plant andhow to install hardscapes. By starting in the winter designerswill be more readily available to help you refine your plans, andyou’ll be ready to get a head start as soon as the weatherbreaks.

“There are so many details involved in creating the landscapeof one’s dreams that it’s easy to become confused,” said BobbieSchwartz, president of the Association of Professional Land-scape Designers (APLD). “A landscape designer will be experi-enced in taking on the multiple unique challenges that everyproperty poses. In the long run, hiring a professional, who willget it done right the first time, can save money. That profes-sional will keep you from making expensive mistakes.”

Here are some tips from professional landscape designersthat will inspire you to get started with your plans right now.

• Consider the view. Is there a certain room from which youtend to spend more time looking out at your landscape? If so,take the time to really examine what you’re seeing. Take note— literally — of anything that catches your eye, good or bad.Follow the sightlines, and notice where they take your eyes. Thiswill give you a better defined idea of what you want to accentu-ate, what you want to hide, and what could be adjusted throughsimple changes like pruning or minor transplanting.

• Collect inspiration. Flipping through magazines with color-ful photos of beautiful gardens is always fun, but it can also bepractical. Pull out pages that feature ideas or plants that you’dlike to incorporate into your landscape design. Be sure to lookat smaller photos, which often have a hard time standing up tofull-page images, as they can be just as rich with ideas. Creatinga file of images that inspire and excite you is a good idea, and itcan be a great way to connect with your landscape designerwhen you meet.

• Think curb appeal. Having a beautiful backyard retreat isoften the goal of a landscaping project, but the view that guestsand passersby have is just as important. A well-designed land-scape can emphasize your home’s beauty and diminish any po-tential eyesores, making it more appealing to you, your neigh-bors and any potential buyers. According to the Journal of Envi-ronmental Horticulture, it’s been shown that well-designedlandscapes can increase home sale prices up to 10.8 percent,compared to homes with simply average landscapes.

Thinking about spring is easy in the middle of winter. Insteadof just daydreaming about spending warmer days in a beautifulgarden, start planning to make that dream a reality. Get intouch with a landscape designer who can help you by going towww.apld.org and clicking on Find a Designer. If you and yourdesigner have a plan in place ahead of time, you’ll be able tospend less time working on the project in the spring and moretime enjoying it.

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

970-377-1626

2 BD, 1 BA ground level,new carpet, extra storageavail, 1 small pet ok, closeto shopping/dwntwn, ALLUTILITIES INCL! $680/mow/low deposit. 970-669-1375

✭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 + bonus room inadult complex in quiet westside loc. No smk/pets. $525/mo. 1012 Van Buren, Lvld.970-663-2341 or 970-667-7309

✭ 1 BDRM apt, $500,Mobile Home $550,

rent includes utilities.430 E Eisenhower.

Estate Builder 970-667-3400

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

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

WAREHOUSE w/ office$800/mo + utils. 107 W 7thSt, Lvld Matt 970-631-0564

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

LARGE 1 bdrm, carpet,drapes, stove, DW, fridge,W/D hkp. NO pets. $500 +

dep. 1502 S. Douty #1.303-776-1287 or 303-747-2219

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.

LUXURIOUS UPSCALEAPARTMENTS

STUDIO, 1, 2, & 3BEDROOMS- Pool, hot tub,

24 hr. fitness center,business center, coffee

shop, salon, pizza & deli.OPEN HOUSE, Mon-Fri9am-6pm, Sat. 10am-5pm.325 E. 5th St., Loveland.

1-888-822-9346

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

$545/mo (970)667-2571

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

2 BDRM, $675-695/mo+ elec, free heat & ba-sic cable. New carpet& vinyl, fresh paint,newly remodeled ba.No pets. 970-663-6787 or

970-430-0859

Apartments/Unfurnished 4030

A GOOD BUYto say good-byeSell your stuff quickly inthe Classifi eds. It’s the

#1 source of information for autos, homes, jobs,

household merchandise, pets, services and so

much more.

Call303-776-7440 or970-635-3650

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

3 Bdrm, 2 ba, gar, w/d hkp,$700. 8 Birkley Ct. Lvld

No/smk/pets. 970-667-3353

3 BDRM, 1.5 BA, Avl Feb 1$875. Shown Sun 1-2.

1509 16th St E. 970-635-2676

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

Call rmpm.com 669-0842

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

Condos/Townhouses 4050

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

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

3 bdrm, 2 ba, 2 car, ranch,fncd yd, A/C, fam rm, deck,

bsmt, $1175. 970-669-5788

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

3+ BDRM, 1.5 ba, 1600 SF,hdwd flrs, A/C patio.

N/pets/smk. $950, 667-9099

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

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

$545. 970-443-4072

EQUAL HOUSINGOPPORTUNITY

All real estateadvertised in this

paper is subject to thefederal and state Fair

Housing Act whichmakes it illegal to

advertise “anypreference, limitation

or discriminationbased on race, color,

religion, sex, handicap,familial status or

national origin, or anintention to make any

such preference,limitation, or

discrimination.”

The newspaper willnot knowingly acceptany advertising for

real estate which is inviolation of the law.

All persons are herebyinformed that all

dwellings advertisedare available on anequal opportunity

basis.

Houses 4080

Move Your Home FREE!LOT RENT STARTING @$199. 250+ Communities tochoose from. Offer expires

1/10/2011. 970-377-0990

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homelessness. The full report is titled Opening Doors: FederalStrategic Plan to Prevent and End Homelessness. The plan putsthe country on a path to end veterans and chronic homeless-ness by 2015; and to ending homelessness among children,family, and youth by 2020.

Last September, HUD announced that it would renew fund-ing through HUD’s Continuum of Care programs to existing lo-cal programs as quickly as possible to prevent any interruptionin federal assistance. HUD will award funds to new projects lat-er in the year.

HUD’s Continuum of Care grants provide permanent andtransitional housing to homeless persons as well as services in-cluding job training, health care, mental health counseling,substance abuse treatment and child care. Continuum of Caregrants are awarded competitively to local programs to meetthe needs of their homeless clients. These grants fund a widevariety of programs from street outreach and assessment pro-grams to transitional and permanent housing for homeless per-sons and families.

HUD’s homeless assistance grants are reducing long-term orchronic homelessness in America. Based on the Department’slatest homeless assessment, chronic homelessness has declinedsince 2005 due to significant investments to produce thou-sands of units of permanent supportive housing for those whohad been living on the streets. While the total number ofhomeless persons in America dropped slightly between 2008and 2009, the number of homeless families increased for thesecond consecutive year, almost certainly due to the ongoingeffects of the recession. In the last 10 days of January, volun-teers from across the country will attempt to count the num-ber of homeless persons living in shelters and on the streets aspart of a national point-in-time count. For more informationabout HUD’s “L et’s Make Everybody Count!” campaign, visitw w w. h u d . g o v / h o m e l e s s c o u n t .

Based on HUD’s 2009 Annual Homeless Assessment Report(AHAR), volunteers throughout the nation counted 643,000homeless people during a given night in January 2009. In addi-tion, HUD found that during 2009, 1.54 million people usedemergency or transitional housing programs in 2009. A typicalsheltered homeless person is a single, middle-aged man and amember of a minority group. Of all those who sought emergen-cy shelter or transitional housing during 2009, the followingcharacteristics were observed:

• 78 percent of all sheltered homeless persons are adults;• 61 percent are male;• 62 percent are members of a minority group;• 38 percent are 31-to-50 years old;• 64 percent are in one-person households, and• 38 percent have a disability.In addition to HUD’s annual grant awards, HUD allocated

$1.5 billion through its new Homeless Prevention and RapidRe-housing (HPRP) Program. Made possible through the Amer-ican Recovery and Reinvestment Act of 2009, HPRP is intendedto prevent persons from falling into homelessness or to rapidlyre-house them if they do. To date, more than 750,000 personshave been assisted through HPRP.

HUDFrom Page E1

CA RO L O'MEARACSU EXTENSION

Getting your gardenstarted seems sim-ple: you dream big,

make wish list, then withwarm weather, head to thegarden center to pick outyour plants. But as thosedoors slide open to thewarm, moist air of the green-house, a daunting tableauunfolds: bench after benchfilled with seedlings, rollingracks bursting with trays,containers crowding floors,until all that’s left is a narrowpath snaking down aisles.

At this point, gardeners re-act either in frenzy, gather-ing everything within graspuntil their cart resembles aDr. Seuss tower; or in fear, byturning on their heels andfleeing to a more orderly lo-cale. This is understandable:when facing an ocean ofplants, how do you knowwhich plants will work, orwhat to avoid?

“When I first started gar-dening and went to thestore, I was in awe of whatthey offered; overwhelmed bythe number of plants avail-able,” said Diane Blazek, Ex-ecutive Director for AllAmerica Selections, an orga-nization dedicated to testingand recommending plantsfor gardens in North America( a l l - a m e r i c a s e l e c t i o n s . o rg ) .“But most gardeners justwant to know ‘what’s goingto do well in my yard?’”

Putting plants through rig-orous trials since 1932, AllAmerica Selections winnowsout the best of the best, find-ing tough plants that are starperformers in almost everygarden. Capturing a coveted“AAS Award Winner” desig -nation is like getting theBetter Homes and GardensSeal of Approval, said Blazek,because if they do well in 30trial gardens across the U.S.,they’ll probably grow in yourback yard.

“The seed breeding worldis competitive; everybodywants their products in frontof gardeners. There must bea way to ensure that they liveup to their claims, if not,breeders can say whateverthey want but it’s not alwaystrue,” she said.

To put their claims to thetest, corporations, individu-als, and universities develop-ing plants enter the yearlytrials. “We have plants fromlarge seed companies, but welike to give smaller guys achance too, like GordonSmith. He was breeding pep-pers in his Illinois backyard,entered and won — now wehave Cajun Belle, a pepperdeveloped in his home yard.“

Once the breeder has whatthey think is a winner, thejourney from seed to celebri-

ty spans a season. Contes-tants are entered in Novem-ber and seed is dispersed togardens across the countryfor trialing the followingsummer. The number ofplaces a plant is tested de-pends on its category: veg-etables are trialed at 32 loca-tions, cool season beddingplants in 25, and flowers in42 gardens.

Judges are given strictguidelines for growing theseplants: do nothing special.“We insist that they treatthem like an average garden-er would so we’ll see howthey are on their own. Don’tspray them, fertilize themmore, or treat them special,”Blazek said.

Throughout the season,contenders go through alitany of competitions, wherecontestants are judgedagainst one another, plus twoto four out-siders –ringers thatexcel in cer-tain traits.“Not a lot oftrial pro-grams havetesting likeours. Wecomparethem againstone plant for

size, and another one for dis-ease resistance; then theycompete against a thirdplant to see which is earliest,or a fourth for bloom size. AnAAS winner has to be betterthan them all, in every cate-gor y.”

Look for 2011’s AAS win-ners this year: Gaillardia ‘Ari -zona Apricot’ (Gailardia xgrandiflora) , a blanket flow-er that blooms all summer;Ornamental Kale ‘GlamourRe d ’ (Brassica oleracea), forintense color that shows offin fall; Salvia ‘Summer JewelRe d ’ (Salvia coccinea), withbrilliant red, early spikes ofbloom; Viola ‘Shangri-La Ma-rina’ (Viola cornuta), a paleblue, mounding viola for coollocales. The small pumpkin‘Hijinks’ and two tomatoesperfect for containers, Liz-zano and Terenzo, round outthe winners.

Carol O’Meara iswith CSU Extensionin Boulder County.Contact her at303-678-6238 orcomeara@co. b o u l d e r. c o . u s .

“The seedbreeding world is

c o m p e t i t i ve ;everybody wants

their productsin front of

g a r d e n e r s.— Diane Blazek,

Executive Director for AllAmerica Selections

Photos courtesy AASThe first seven AAS winners of the year were announced and include, from left,Gaillardia ‘Arizona Apricot,’ Ornamental ‘Glamour Red’ and Salvia ‘SummerJewel Red.’

Front Range Gardening