
At 20% down, 30-year fixed. From 3% down.
About $4,116 a month to live here, after the rent from the other home.
A house with a second home on the lot. Live in one and rent out the other. How it works
Live here for about
The second home on the lot rents for $2,000. We hold back $390 of that for repairs and an empty month, and the rest goes toward a $5,726 monthly payment.
Income to qualify: about $142,000 a year
With how much down?
At 20% down ($210,000) 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 $137,000 of it. See the ten-year math
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.
$31,500 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own
As you step through the front door you are greeted by expansive ceilings and a true mountain living room with fireplace, natural light and cozy comfort you can't find in a new build. From here, you flow naturally into the kitchen.. bright, functional, and designed for everyday life. Its layout encourages movement and conversation, whether you’re cooking, helping with homework at the new kitchen island, or hosting friends after a walk back from Evergreen Lake. The proximity to downtown and the lake becomes part of the rhythm of the home; everything is close, easy, and accessible. The main-level bedrooms offer comfort and privacy. The primary suite, especially, feels like a retreat, quiet, grounded, filled with soft natural light, gorgeous en-suite, and a private deck. It’s a space that invites rest after long days spent outdoors or exploring town. When you head downstairs, the home reveals one of its most versatile features. The lower level lives like a fully independent suite, complete with its own entrance, full bathroom, laundry, kitchen and generous living space. But instead of emphasizing separation, it feels like an extension of the home, perfect for multigenerational living, long-term guests, teens wanting their own space, or a dedicated office or studio. It’s flexible in the ways families actually need! Stepping outside, you get multiple decks, a hot tub, and plenty of yard space to enjoy. Your new neighbors are welcoming, plan activities, and embrace the outdoor spirit. With a Blue Spruce address you have exclusive access to the lake being able to launch from the shore. The lifestyle here becomes all about paddleboarding at sunrise, ice skating and cross country skiing, miles of trails for hiking or simply enjoying the water just steps from home. 4805 Blue Spruce is a home that carries Evergreen’s history in its details and today’s comfort in its updates, all wrapped in one of the most walkable, coveted neighborhood lake-side locations in town.
House + ADU
Property Type
11,326 sqft
Lot Size
1937
Year Built
Listing Date: 08/21/2026
Listed by: Matthew Wahl
Listing office: HomeSmart
Contact: 720-416-7638
Source: REcolorado #6069791
Series Homes is committed to full compliance with the Fair Housing Act and the Equal Credit Opportunity Act.
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.
Change your offer and watch the monthly cost move.
Purchase Price
List Price
How much do you want to put down?
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.
Estimate at 20% down ($210,000) and 6.0%, 30-year fixed. Your rate and down payment change this.
From the listing description.
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
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.
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MLS# 6069791 · Listing office: HomeSmart
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At 20% down, 30-year fixed. From 3% down.

At 20% down, 30-year fixed. From 3% down.

At 20% down, 30-year fixed. From 3.5% down.

At 20% down, 30-year fixed. From 3.5% down.