Selected for the Terner Labs Housing Venture Lab

4465 Charing Drive, Castle Rock, CO 80109

Active
Listed 97 days ago
Owner-Occupant Eligible
$710,000

About $2,802 a month to live here, after the rent from the other home.

House + ADU4,051 sqft6 beds4 bathsListed Aug 7, 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

$2,802a month

The second home on the lot rents for $2,000. We hold back $330 of that for repairs and an empty month, and the rest goes toward a $4,472 monthly payment.

Income to qualify: about $106,000 a year

With how much down?

At 20% down ($142,000) 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 $93,000 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.

$21,300 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

Welcome to this spacious 6-bedroom, 4-bathroom, 3-car garage two-story home in the picturesque community of Castle Rock! Offering the perfect blend of comfort, functionality, and abundant storage, this home is designed to fit a variety of lifestyles. Step inside to a bright and inviting main level where the formal living and dining rooms greet you with plush carpeting and abundant natural light. Continue into the well-equipped kitchen featuring generous counter space, granite countertops, a pantry, smooth-top oven/range, newer refrigerator and microwave, and a walk-out to the deck through the sliding glass door. The adjoining family room showcases soaring vaulted ceilings, custom built-ins, and a cozy fireplace, creating an open great room ideal for gathering and everyday living. Upstairs, the spacious primary suite offers a walk-in closet and an adjoining 5-piece bath with soaker tub for your own private retreat. Three additional bedrooms and a full bathroom with double vanities complete the upper level. The fully finished walk-out basement is a standout feature, offering exceptional versatility. Complete with its own kitchenette featuring a full-size refrigerator, oven, microwave, and sink, plus two additional bedrooms, a 3/4 bathroom, and a large recreation/family room, this space is ideal for multi-generational living, guests, entertaining, or a private retreat. Outside, enjoy Colorado's beautiful seasons from the expansive two-story deck overlooking the backyard—perfect for entertaining, relaxing, or taking in the outdoors. This incredible home combines space, flexibility, and thoughtful design in one of Castle Rock's most desirable locations. Schedule your private showing today!

House + ADU

Property Type

9,583 sqft

Lot Size

2000

Year Built

Listing Date: 08/07/2026

Listed by: Maria Roberts

Listing office: Keller Williams Clients Choice Realty

Contact: 719-330-7446

Source: REcolorado #4535296

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%
$710,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$710,000
Your Down Payment$142,000
Financed$568,000
Estimated Monthly Payment$4,472

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 ($142,000) and 6.0%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$4,472/month
Principal + Interest
$3,405
Property Taxes
$394
Home Insurance
$630
HOA$43
Rental Income (1 Unit)
$2,000/month

From the listing description.

Rental Expenses
-$330
Cost to live here
$2,802/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# 4535296 · Listing office: Keller Williams Clients Choice Realty

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