Selected for the Terner Labs Housing Venture Lab

548 Mountain Avenue, Berthoud, CO 80513

Active
Listed 73 days ago
Owner-Occupant Eligible
$950,000
House + ADU2,104 sqft5 beds4 bathsListed Aug 31, 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

$5,458a month

We are still working out the rent on this one.

Income to qualify: about $152,000 a year

With how much down?

At 20% down ($190,000) 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 $124,000 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.

$28,500 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

A rare and exclusive property located in the heart of Downtown Berthoud, directly across from Fickel Park. Situated at 548 Mountain Ave, this versatile, mixed-use asset beautifully blends historic character with extensive modern upgrades, offering excellent commercial and residential opportunities.The property sits on three city lots and features a timeless 1910 Victorian facade. It was completely restored and remodeled in 2023 (Permit 21 BRD-00842) with high-end improvements, including 10-foot ceilings, restored original woodwork and floors, a direct-vent remote gas fireplace, a 50-year composite slate tile roof, and all-new electrical, plumbing, HVAC systems, and appliances.This turnkey property is being offered fully furnished and includes three separate living spaces: Main House (3 Bed, 2 Bath): Currently operating as a short-term rental, this main level features original wood work with luxurious spa-like bathrooms adorned with custom tile work with a step-in shower and freestanding tub. The Upstairs Loft (1 Bed, 1 Bath): Accessed via a private outside staircase, this flexible space features warm wood tongue-and-groove ceilings, a living/bedroom area, a separate bath, and a kitchenette. The Carriage House (1 Bed, 1 Bath): This fully functioning detached ADU is occupied by a year long-term tenant through April 1, 2027, generating $2,000 per month. It features vaulted ceilings, a full kitchen, and a 3/4 bath. Three separate Living Areas! The possibilities are endless! The exterior serves as a secluded, fully fenced retreat with professional landscaping, lush green grass and mature trees (a park like private oasis) an 18-station automatic sprinkler system, custom metal gates, string lighting, and a back patio equipped with a built-in snow-melt system and gas fire pit. The property is within easy walking distance of downtown cafes, restaurants, and the new city recreation center. Remodeled in 2023

House + ADU

Property Type

13,939 sqft

Lot Size

1910

Year Built

Listing Date: 08/31/2026

Listed by: Valerie Emrick

Listing office: Keva Properties, LLC

Contact: 970-231-4293

Source: REcolorado #IR1067701

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%
$950,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$950,000
Your Down Payment$190,000
Financed$760,000
Estimated Monthly Payment$5,458

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 ($190,000) and 6.0%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$5,458/month
Principal + Interest
$4,557
Property Taxes
$576
Home Insurance
$325
Rental Income (1 Unit)
Not yet estimated
Cost to live here
$5,458/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# IR1067701 · Listing office: Keva Properties, LLC

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