Selected for the Terner Labs Housing Venture Lab

13398 Olive Way, Thornton, CO 80602

Active
Listed 120 days ago
Owner-Occupant Eligible
$799,000

About $3,676 a month to live here, after the rent from the other home.

House + ADU4,109 sqft5 beds5 bathsListed Jul 15, 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

$3,676a month

The second home on the lot rents for $1,615. We hold back $242 of that for repairs and an empty month, and the rest goes toward a $5,049 monthly payment.

Income to qualify: about $126,000 a year

With how much down?

At 20% down ($159,800) 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 $104,000 of it. See the ten-year math

See which homes fit your numbers
How we work this out

The cost to live here is the loan payment, taxes, insurance and any dues, less the rent, with a little held back for repairs and an empty month. Income to qualify uses a 43% debt-to-income limit, counts 75% of the rent, and none of your other debts.

$23,970 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

Luxury, functionality, and exceptional design come together in this stunning Amber Creek home. Offering over 4,100 finished square feet, BRAND NEW engineered hardwood flooring on the main floor. This thoughtfully designed residence features a rare main-floor Next Gen suite complete with its own living amenities, making it ideal for multi-generational living, extended family, guests, or a private retreat. Beautiful engineered hardwood flooring, designer finishes, and an open-concept layout create an elegant yet comfortable living experience throughout. The professionally finished basement lives like a private lower-level residence, featuring a theater/music/gym area, bedroom, bath, and upscale kitchenette with granite countertops, soft-close cabinetry, coffee bar, beverage refrigerator, and full-size refrigerator, perfect for entertaining the Bronco games, recreation, or extended family living. Step outside to the show stopping Trex deck with iron railing, creating a seamless indoor-outdoor lifestyle and the perfect setting for gatherings and Colorado sunsets. Thoughtful upgrades include premium carpet with upgraded padding, dual furnaces, updated water heaters, an energy-efficient solar system, radon mitigation system, and a spacious 4-car tandem garage with extra storage. A rare opportunity to own the ultimate blend of luxury and multi-generational living in one of Amber Creek's most desirable locations.

House + ADU

Property Type

7,897 sqft

Lot Size

2016

Year Built

Listing Date: 07/15/2026

Listed by: Amber Panck

Listing office: Real Broker, LLC DBA Real

Contact: 303-594-6429

Source: REcolorado #9277087

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%
$799,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$799,000
Your Down Payment$159,800
Financed$639,200
Estimated Monthly Payment$5,049

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 ($159,800) and 6.0%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$5,049/month
Principal + Interest
$3,832
Property Taxes
$610
Home Insurance
$607
Rental Income (1 Unit)
$1,615/month

From the listing description.

Rental Expenses
-$242
Cost to live here
$3,676/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.

REcolorado logo

MLS# 9277087 · Listing office: Real Broker, LLC DBA Real

The content relating to real estate for sale in this Web site comes in part from the Internet Data eXchange (“IDX”) program of METROLIST, INC., DBA RECOLORADO® Real estate listings held by brokers other than Uncharted Homes LLC are marked with the IDX Logo. This information is being provided for the consumers’ personal, non-commercial use and may not be used for any other purpose. All information subject to change and should be independently verified.

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