Selected for the Terner Labs Housing Venture Lab

16070 Elk Creek Road, Pine, CO 80470

Active
Listed 175 days ago
Owner-Occupant Eligible
$699,000
House + ADU2,025 sqft3 beds3 bathsListed May 21, 2026

A house with a second home on the lot. Live in one and rent out the other. How it works

Live here for about

$3,927a month

We are still working out the rent on this one.

Income to qualify: about $110,000 a year

With how much down?

At 20% down ($139,800) and 6.0%, 30-year fixed. Your rate and down payment change this.

Get rich slow: keep this loan ten years and the payments pay off about $91,000 of it. See the ten-year math

See which homes fit your numbers
How we work this out

No rent is counted for this home yet, so the cost to live here is the whole loan payment, taxes, insurance and any dues. Income to qualify uses a 43% debt-to-income limit and none of your other debts.

$20,970 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

Rustic Riverfront Retreat on 3 Acres. Truly unique mountain retreat, where rustic charm meets rare riverfront living. Set in lush mountain beauty with dramatic rock outcroppings, this exceptional property offers convenience, adventure, and the soothing soundtrack of nature in the heart of Colorado’s foothills. Perched above the flowing waters of Elk Creek, this 2,025-square-foot mountain home features 3 bedrooms and 3 updated bathrooms. Warm wood tones, vaulted ceilings, and oversized windows frame breathtaking views of the surrounding forest and creek, while a cozy wood-burning stove creates an inviting retreat in every season. A new roof adds peace of mind and long-term value. Step outside to three newer decks where you can relax to the sound of flowing water, enjoy morning coffee among the trees, or cast a line for trout from your property. The land itself is just as remarkable, featuring impressive rock outcropping ideal for climbing and exploration, creating a truly one-of-a-kind mountain setting. Inside, vaulted ceilings with wood beams, a kitchen with maple cabinets, slab granite and stainless-steel appliances, and a soothing sunroom surrounded by the beauty and sounds of the creek provide the perfect place to unwind and connect with nature year-round. The lower level offers a third bedroom, a second kitchen and laundry. Just minutes away, the North Fork of the South Platte River offers outstanding kayaking, canoeing, fishing, hiking, biking, and camping for outdoor enthusiasts. Offering incredible versatility, the home works beautifully as a full-time residence, a weekend retreat, short or long-term rental, guest quarters, or multigenerational living space. Conveniently located near Pine Grove. Close to Pine Valley Ranch Park, with easy access to U.S. Highway 285, this rare property offers the perfect balance of mountain seclusion and convenience. A one-of-a-kind Colorado riverfront sanctuary offering natural beauty, adventure, and endless possibilities.

House + ADU

Property Type

130,680 sqft

Lot Size

1993

Year Built

Listing Date: 05/21/2026

Listed by: Lisa Keener

Listing office: Coldwell Banker Global Luxury Denver

Contact: 720-272-8593

Source: REcolorado #6469217

Series Homes is committed to full compliance with the Fair Housing Act and the Equal Credit Opportunity Act.

CHOOSE YOUR UNIT

Tap the one you would live in. The rest pay rent, and that rent comes off your monthly cost.

If someone lives in the unit you want, or a lease comes with the home, ask how moving in works on this one.

CHECK OUR MATHEvery line of the monthly cost is in here. Change the price or the down payment and watch it move.

OFFER PRICE

Change your offer and watch the monthly cost move.

Purchase Price

-15%
$699,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$699,000
Your Down Payment$139,800
Financed$559,200
Estimated Monthly Payment$3,927

Before rent: principal and interest at 6.0% on a 30-year fixed loan, taxes, insurance and any HOA dues. Your rate and down payment change this.

MONTHLY BREAKDOWN

Estimate at 20% down ($139,800) and 6.0%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$3,927/month
Principal + Interest
$3,353
Property Taxes
$259
Home Insurance
$315
Rental Income (1 Unit)
Not yet estimated
Cost to live here
$3,927/month

Payment estimates shown by Series are illustrative only. Final loan terms, monthly payments, and eligibility will be determined by your mortgage loan originator.

BEFORE YOU OFFER

Now run it on your paycheck.

This page is priced at one down payment and one rate. Send the address and we run it at yours: what you would pay each month after rent, and which loan works on this home.

Free. No credit pull.

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MLS# 6469217 · Listing office: Coldwell Banker Global Luxury Denver

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