Homes & Loans Colorado LLC

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Canon City, CO
Homes & Loans Colorado LLC

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417 Main St. Canon City, CO 81212
719-243-0333
[email protected]
www.peakdreamCom

10/27/2026

Small-town Colorado, and a surprising price comparison!

A 2026 LendingTree analysis puts Canon City’s median home price at $324,000, just above Chicago’s $323,000.

What does that mean for the Arkansas Valley?

Buyers: “Small town” doesn’t automatically mean small prices. Let’s talk about your priorities, trade-offs, and a realistic home search strategy.

Sellers: It’s a reminder that pricing to today’s market matters. A broad median isn’t a price tag for every home, so local property details and current buyer expectations count.

Have questions about your next move? Call 719-243-0333 or visit www.homesandloanscolorado.com.

The Homes and Loans Team
Berkshire Hathaway HomeServices Rocky Mountain, REALTORS

10/26/2026

Late October in Salida is the quiet window between fall color and full winter. The crowds thin, and everyday life settles into a slower rhythm across Chaffee County.

Mornings are crisp. The cottonwoods stand mostly bare along the Arkansas River, long shadows stretch across the valley, and the first snow dusts the peaks above town. On a clear day, the river corridor and Monarch Pass show the season changing around you.

Shorter daylight brings earlier sunsets, but trails and river access feel less busy than in summer. Downtown galleries, a coffee stop, and a local brewery are part of the town’s year-round rhythm, not just a reason to visit, but a glimpse of what living in Salida can feel like.

Explore the area at www.homesandloanscolorado.com or call 719-243-0333.

Follow our page for more Colorado home-buying tips.

The Homes and Loans Team - Misty Garman, Licensed Real Estate Broker - CO License - Berkshire Hathaway HomeServices Rocky Mountain, REALTORS - 417 Main St, Canon City, CO 81212 - 719-243-0333

10/23/2026

Colorado Springs inventory is climbing, and some sellers are offering more concessions. That can give buyers room to negotiate, but the goal is to protect your interests without pushing a reasonable seller away.

Inspection and appraisal contingencies are contract terms that can give you options if the home’s condition or appraised value raises concerns. Your specific rights depend on the contract, so understand the deadlines and choices before you sign.

After an inspection, requests for repairs or a credit are often most persuasive when they focus on significant, unexpected issues, think safety concerns or major systems, not a list of cosmetic updates or items already disclosed. Prioritize what genuinely affects your decision, and keep the seller’s perspective in mind: a focused, well-supported request is more likely to keep negotiations productive.

If the appraisal comes in below the contract price, use the contingency and contract terms to guide your next step. Consider the facts, your comfort level, and the options available. Hold firm when an issue truly matters to you; be ready to walk away if the home no longer makes sense.

Questions about buying in Colorado Springs? Call 719-243-0333 or visit www.homesandloanscolorado.com.

The Homes and Loans Team - Misty Garman, Licensed Real Estate Broker - CO License - Berkshire Hathaway HomeServices Rocky Mountain, REALTORS - 417 Main St, Canon City, CO 81212 - 719-243-0333.

Follow our page for more Colorado home-buying tips.

10/22/2026

Listing photos show a home at its best, but a showing helps you picture everyday life there.

As you walk through a Canon City home, look beyond the pictures. Notice the home’s condition, how the rooms connect, the surroundings, and whether the layout fits your day-to-day routine. Imagine where you’d set down your keys, prepare a meal, or unwind at the end of the day.

A helpful question to ask yourself: Would this home work for an ordinary Tuesday?

For local real estate guidance, call 719-243-0333 or visit www.homesandloanscolorado.com.

The Homes and Loans Team
Berkshire Hathaway HomeServices Rocky Mountain, REALTORS

10/21/2026

Looking at small acreage around Salida? A ditch on the property doesn’t automatically mean water rights come with it. Before you buy, ask questions and verify the details.

• Are there decreed water rights? Ask what rights are associated with the property and how they’re documented.
• Is the water delivered through an irrigation ditch or lateral? Ask which ditch company serves the property and what a share represents.
• What assessments or annual obligations come with the shares?
• Will any shares transfer at closing? Make sure the transfer is confirmed as part of the transaction.
• Where are the headgates? Do ditches cross neighboring land, and are easements and maintenance access in place?

A ditch, a ditch-company share, and a water right aren’t automatically the same thing. This is general information; confirm property-specific details with the ditch company and a title company.

Learn more: www.homesandloanscolorado.com
Call 719-243-0333

The Homes and Loans Team
Misty Garman, Licensed Real Estate Broker
CO License
Berkshire Hathaway HomeServices Rocky Mountain, REALTORS
417 Main St, Canon City, CO 81212
719-243-0333

Follow our page for more Colorado home-buying tips.

10/19/2026

A fresh coat of paint can hide more than it fixes. When touring an older home in Canon City, Florence, or throughout Fremont County, look past the finishes and watch for these 10 red flags:

1. Cracks, bowing, or uneven floors that may point to foundation movement.
2. Soil sloping toward the home instead of away from it.
3. Standing water, damp smells, or staining near the basement or crawl space.
4. Roof shingles that are curling, brittle, missing, or near the end of their expected life.
5. Gutters or downspouts that dump water next to the foundation.
6. Fresh paint covering stains, bubbling, or patched drywall.
7. Doors or windows that stick, which can signal shifting or moisture damage.
8. Older electrical panels, loose outlets, or exposed wiring.
9. Additions, enclosed porches, or converted spaces with no clear permit history.
10. Decks, retaining walls, chimneys, or railings that look unstable or poorly maintained.

Canyon and foothill properties can have unique drainage, slope, weather, and access concerns. If something catches your eye, document it and ask questions before making a decision. A careful walkthrough helps you understand the home, not just fall in love with the staging.

Visit www.homesandloanscolorado.com or call 719-243-0333.
Follow our page for more Colorado home-buying tips.
The Homes and Loans Team · Misty Garman, Licensed Real Estate Broker · CO License · Berkshire Hathaway HomeServices Rocky Mountain, REALTORS · 417 Main St, Canon City, CO 81212 · 719-243-0333.

10/16/2026

For canyon and foothill homes around Canon City and throughout Fremont County, a little regular maintenance can make a meaningful difference during wildfire season.

Start with the first five feet around your home. Keep this area clear of dry leaves, pine needles, dead vegetation, and other easily ignited materials. Look for ladder fuels: low branches, shrubs, and grasses that can carry fire upward, and trim or space vegetation so plants are not crowded against one another or the structure.

Keep your roof and gutters free of leaves, needles, and debris. Check that vents have ember-resistant screens, and make sure firewood, propane containers, and other combustible materials are stored well away from the house.

Your driveway matters, too. Maintain enough clearance for a fire engine to reach the home, and make sure there is a practical turnaround or access area. Trim overhanging branches, keep signs and vehicles out of the way, and consider how emergency equipment would navigate the property.

The timing and effort matter. Defensible space is not a one-time weekend job. It is ongoing maintenance, especially after windy weather, seasonal growth, or heavy needle and leaf fall. Walk your property regularly and address small issues before they become bigger projects.

If you are exploring canyon or foothill properties near Canon City, our local real estate team can help you think through the property’s setting, access, maintenance needs, and long-term fit. Learn more at www.homesandloanscolorado.com or call 719-243-0333.

The Homes and Loans Team · Misty Garman, Licensed Real Estate Broker · CO License · Berkshire Hathaway HomeServices Rocky Mountain, REALTORS · 417 Main St, Canon City, CO 81212 · 719-243-0333.

Follow our page for more Colorado home-buying tips.

10/14/2026

Buying in Canon City or Fremont County? Mark November 2, 2026 on your calendar: the new UAD 3.6 appraisal report rolls out, and the older 1004-series forms retire.

What changes for buyers?

• One standard report replaces several legacy forms.
• A plain-language summary appears near the front.
• Interior and exterior condition receive separate ratings.
• Appraiser comments appear beside the data they explain, not buried in an addendum.
• Kitchen and bath updates, energy features, solar, ADUs, and wildfire-mitigation work are documented more clearly.
• Updated measurement rules, including ceiling-height requirements, can affect the square footage reported.

What does not change? The value opinion itself. This is a clearer, easier-to-use report, not a different number simply because the format changed.

Remember the difference: an appraisal is a lender-side valuation of the property. An inspection is a buyer-side condition review. They answer different questions, and one does not replace the other.

Practical takeaway: keep records, permits, invoices, and details for improvements you want recognized. Clear documentation can make a home’s updates easier to understand when comparing properties in the Fremont County market.

Questions about the home-buying process? Visit www.homesandloanscolorado.com or call 719-243-0333.
Follow our page for more Colorado home-buying tips.

The Homes and Loans Team · Misty Garman, Licensed Real Estate Broker · CO License · Berkshire Hathaway HomeServices Rocky Mountain, REALTORS · 417 Main St, Canon City, CO 81212 · 719-243-0333

10/12/2026

Looking for a scenic Colorado outing close to town? Take US 50 west of Cañon City through Bighorn Sheep Canyon!

Enjoy the winding drive along the Arkansas River, watch the cliffs for bighorn sheep, and find river access for fishing and rafting put-ins. The Royal Gorge is just up the road, making this one of the area’s easiest ways to enjoy dramatic scenery and outdoor adventure close to home.

Please slow down, stay alert, and admire wildlife from a respectful distance.

Discover more about life in the Arkansas River Valley at www.homesandloanscolorado.com or call 719-243-0333.

The Homes and Loans Team · Misty Garman, Licensed Real Estate Broker · CO License · Berkshire Hathaway HomeServices Rocky Mountain, REALTORS · 417 Main St, Canon City, CO 81212 · 719-243-0333

Follow our page for more Colorado home-buying tips,

10/09/2026

Is your home ready for the first hard freeze?

In Fremont County and the Arkansas River Valley, including Canon City, Florence, Salida, Rockvale, Cotopaxi and surrounding communities, the first hard freeze usually arrives in early-to-mid October. That makes the next two to three weeks a good window to get a few simple tasks done.

Start with a sprinkler blowout before overnight temperatures drop. Disconnect garden hoses, shut off outdoor water supply valves if applicable, and open hose bibs to drain remaining water. Clear leaves and debris from gutters and downspouts so fall moisture can move away from the foundation.

Walk around windows and doors to inspect caulking and weatherstripping. Replace cracked or worn material to help stop cold drafts. Finally, check your furnace filter and replace it if it is dirty; a clean filter helps your system work efficiently when heating season begins.

A ten-minute walkthrough now can help prevent frozen pipes, unwanted drafts and avoidable surprises later.

We're your local team, and we're glad to share what we know about homes in this area.

Visit www.homesandloanscolorado.com or call 719-243-0333.

Follow our page for more Colorado home-buying tips.

Address

417 Main Street
Canon City, CO
81212

Telephone

+17192430333

Website

http://www.HomesAndLoansColorado.com/

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