When Jack Pappalardo and his wife, artist Georgia Amar, started looking for a home in Denver, they wanted four things: personal living space, studio space, gallery space and proximity to downtown so that Jack, a real-estate lawyer, could get to work easily. The suburbs were automatically disqualified. Property near West Second Avenue and Broadway caught their attention, but once the Atlanta couple discovered the Santa Fe Arts District, they lost interest in it. For $370,000 - about half what they would have spent on the Broadway property - they bought a three-story turn-of-the-century building at 828 Santa Fe Drive. Today it houses Habitat Gallery & Studio on the ground floor, work space on the second floor and private living quarters on the top floor. The building has appreciated by about $130,000 since Pappalardo bought it three years ago.