Selected for the Terner Labs Housing Venture Lab

1283 4th Avenue, Deer Trail, CO 80105

Active
Listed 57 days ago
Owner-Occupant Eligible
$400,000
House + ADU2,322 sqft5 beds4 bathsListed Sep 16, 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

$2,434a month

We are still working out the rent on this one.

Income to qualify: about $68,000 a year

With how much down?

At 20% down ($80,000) 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 $52,000 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.

$12,000 minimum down payment. The cost above is at 20% down, and at the minimum it is higher. Set your own

ABOUT THIS HOME

Two kitchens, five bedrooms, and flexible space for multigenerational living, great sports hosting, or potential rental income in Deer Trail. Located at 1283 4th Ave, this extensively remodeled 5-bedroom, 4-bath home offers the neighborhood's largest floorplan, a finished basement with a second kitchen, and newly landscaped front and back yards. Four bedrooms upstairs keep the main sleeping areas together, including a primary suite with dual closets and a private bathroom. Downstairs, the finished basement adds a fifth bedroom, full bathroom, spacious living area, and a second kitchen with a refrigerator(not installed until after photos), oven/stove, and full sink. Use the additional living space for extended household needs or explore renting a portion of the home to help offset ownership expenses, subject to local requirements and approvals. The main kitchen features new quartz countertops, a new tile backsplash, abundant cabinetry, a pantry, and new stainless steel appliances, including a gas stove. High ceilings, wood-look flooring, and a neutral palette connect the generous living and dining spaces. A separate family room with new carpet and a 1/2 bath opens to the backyard, providing another place to gather or spread out. Outside, fresh grading, new grass lawns in front and back, and front yard irrigation give you usable outdoor space from day one. A fresh concrete patio spanning the back of the home offers room for outdoor dining, grilling, and seating. The welcoming front porch, stone accents, and two-car garage complete the exterior. Major updates include a new 2026 roof, new siding, fresh interior and exterior paint, new kitchen appliances, new quartz counters and backsplash, new carpet throughout, landscaping, sewer, and so much more. Professionally cleaned and ready for its next chapter, this home combines extensive updates with the versatility of two kitchens, multiple living areas, and a finished basement. Host the big game here!

House + ADU

Property Type

6,273 sqft

Lot Size

2015

Year Built

Listing Date: 09/16/2026

Listed by: Cody Walker

Listing office: eXp Realty, LLC

Contact: 970-528-0604

Source: REcolorado #3318783

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%
$400,000

List Price

+15%

FINANCIALS

How much do you want to put down?

Purchase price$400,000
Your Down Payment$80,000
Financed$320,000
Estimated Monthly Payment$2,434

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 ($80,000) and 6.0%, 30-year fixed. Your rate and down payment change this.

Estimated Monthly Payment (Before Rental Income)
$2,434/month
Principal + Interest
$1,919
Property Taxes
$172
Home Insurance
$343
Rental Income (1 Unit)
Not yet estimated
Cost to live here
$2,434/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# 3318783 · Listing office: eXp Realty, LLC

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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