Selected for the Terner Labs Housing Venture Lab

830 Harlan Street, Denver, CO 80226

Active
Listed 70 days ago
Owner-Occupant Eligible
$649,900

About $2,306 a month to live here, after the rent from the other home.

Duplex1,597 sqft4 beds2 bathsListed Sep 3, 2026

A duplex. Live in one home and rent out the other. How it works

Live here for about

$2,306a month

The other home rents for $1,600. We hold back $312 of that for repairs and an empty month, and the rest goes toward a $3,594 monthly payment.

Income to qualify: about $86,000 a year

With how much down?

At 20% down ($129,980) and 5.6%, 30-year fixed. Your rate and down payment change this.

Get rich slow: keep this loan ten years and the payments pay off about $90,000 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.

$22,747 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

Rare creekside living on over half an acre in central Lakewood. This beautifully remodeled property offers exceptional flexibility with two separate 2-bedroom, 1-bath living spaces, making it ideal for multigenerational living, guests, work-from-home needs, or the opportunity to offset housing costs with short term or long term rental income. Unit A features 2 bedrooms, 1 bathroom, its own kitchen, washer and dryer, and a fireplace. It has previously rented for $3,000 per month. Unit B also offers 2 bedrooms, 1 bathroom, its own kitchen, and washer and dryer, and has previously rented for $1,600 per month. Each unit provides its own defined living space, creating privacy and independence within one incredibly versatile property. Outside, the setting is what truly makes 830 S Harlan special. A year-round creek flows through the property, creating a peaceful backdrop surrounded by mature trees and wildlife. Relax on the south-facing deck overlooking the water, garden, entertain, or simply enjoy the privacy offered by the generous lot. With no HOA and an unusually generous creekside lot, the property offers a level of privacy, flexibility, and outdoor space that is increasingly difficult to find in central Lakewood. Located in Jefferson Gardens with convenient access to Belmar, parks, shopping, dining, and major commuter routes, the property feels tucked away while remaining close to everything Lakewood and Denver have to offer. Whether you are looking for a distinctive primary residence, multigenerational setup, or a home with built-in income potential, this is a rare opportunity to own a property offering both lifestyle and flexibility. This home may qualify for a Community Reinvestment Act program providing a credit equal to 1.75% of the loan amount toward eligible buyer closing costs, prepaid expenses, and discount points, up to a maximum credit of $7,000. Contact the listing agent for additional details and lender requirements.

Duplex

Property Type

22,651 sqft

Lot Size

1957

Year Built

Listing Date: 09/03/2026

Listed by: Jamie Bagnall

Listing office: eXp Realty, LLC

Contact: 720-560-6202

Source: REcolorado #4555668

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%
$649,900

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$649,900
Your Down Payment$129,980
Financed$519,920
Estimated Monthly Payment$3,594

Before rent: principal and interest at 5.6% 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 ($129,980) and 5.6%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$3,594/month
Principal + Interest
$2,985
Property Taxes
$311
Home Insurance
$298
Rental Income (1 Unit)
$1,600/month

From the listing description.

Rental Expenses
-$312
Cost to live here
$2,306/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# 4555668 · Listing office: eXp Realty, LLC

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