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412 S Badger Trail, Ridgway, CO, 81432

2beds
3baths
3,453sqft
$1,349,000
$391price/sqft
$7,662/moest. monthly cost
$306,480/yrincome needed

About This Home

This stunning home combines mountain traditional with contemporary design, boasting an all-cedar exterior and detached over-sized 2-car garage, and welcoming front entry. The maintenance-free interior offers a split floor plan with stained cement flooring and walls, 21' vaulted, tongue-and-groove cedar ceilings, and floor-to-ceiling picture windows framing the bucolic wooded setting, golf course views, and the various wildlife that frequently wanders through. The grand living room has a lovely gas log fireplace for added warmth and ambiance and built-in cabinets and shelving. A half-bath is conveniently located off the living room in the hallway leading to the primary bedroom, coat and storage closet, and laundry room on the west side of the house. The primary bedroom suite includes a loft accessible from a metal spiral staircase providing flexible space for an office or, or other use. Flowing from the living room, the well-appointed kitchen is a chef's dream with Ceasarstone countertops, topline appliances including a convection oven and microwave and separate stovetop, pantry, and plenty of cabinetry. The breakfast bar with a stainless steel countertop complements the ample dining area off the kitchen. The kitchen, living room, and master bedroom all have access to the back deck among the trees overlooking the golf course with a lovely walking path to the fairway. Off the kitchen on the east side of the home, down a few, short steps you will find the mechanics room, a large, well-equipped media room with all the necessary electronics, big screen, theater seating, and bar with storage cabinets. Further down the hall there is another bathroom and the 2nd bedroom with an adjoining flex room, currently used as a fitness room, with a door to the outdoor patio. This nicely landscaped, wooded, private lot is cleared for fire mitigation and offers indirect views of mountain peaks and easy access to the golf course at Tee Box No. 2. Divide Ranch and Club offers one of the most spectacular and challenging golf courses in the country, surrounded by the beautiful San Juan Mountains and located an easy 15-minute drive to the town of Ridgway, or less than an hour from the world-renowned ski resort of Telluride, the Jeeping capital and historic mining town of Ouray, and the commercial hub and airport of Montrose. This unique and turn-key mountain hideaway makes for a perfect permanent residence or second, seasonal home for the discerning homebuyer. Don't pass up this opportunity to make it yours today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

6/10
Ridgway Elementary SchoolGrades PK-53.5 mi
9/10
Ridgway Middle SchoolGrades 6-83.3 mi
7/10
Ridgway High SchoolGrades 9-123.3 mi

Construction

Condition

  • Year built: 2005

Materials

  • Foundation: Slab
  • Roof: Copper
  • Construction materials: Wood Frame,Cedar

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary,Ranch
  • Property subType: Stick Built

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Exhaust Fan,Microwave,Convection Oven,Oven-Wall,Range Top,Refrigerator
  • Laundry features: W/D Hookup

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Features: Kitchen/Dining

Features

  • Sound System,Vaulted Ceiling(s),Pantry,Walk-In Closet(s),Fitness Room,Media Room
  • Window features: Double Pane Windows,Wood Frames
  • Flooring: Stained/Stamped Concrete
  • Fireplace features: Gas Log,Living Room
  • Fireplace: Yes

Interior Area

  • Total structure area: 3,453
  • Total interior livable area: 3,453 sqft

Property

Details

  • Parcel number: 425736108443
  • Zoning description: Residential Single Family

Features

  • Levels: One,Split-Level
  • Stories: 1
  • Patio & porch: Deck,Patio
  • Exterior features: Landscaping
  • Has view: Yes
  • View description: Other
  • Frontage length: 75'-100' Frontage

Lot

  • Lot size: 0.92 Acres
  • Features: Borders Golf Course,Corners Marked,Near Golf Course,Wooded

Parking

  • Total spaces: 2
  • Parking features: Detached Garage,Garage Door Opener,Heated Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningVery High
  • Avalanche
    AvalancheRelatively High
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Avalanche
Landslide
Wildfire
Winter Weather

FEMA Declared Disasters Across Colorado Counties

Fire
Flood
Severe Storm
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $6,821$81,852
Home Insurance *$312$3,744
Property Taxes $269$3,228
Electricity $260$3,128
Total$7,662$91,944
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$262,697/yr
40% on housing$229,860/yr
45% on housing$204,320/yr

Colorado FAIR Plan Programs

Colorado FAIR Plan

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 17.6%
17.6%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 7.3%
7.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$391This listing

vs Other Active Listings

Avg $/sqft

ZIP 81432$527
Ouray County$523

vs Homes Sold Last Month

Median $/sqft

ZIP 81432$387
Ouray County$468

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-03-05Price change$1,399,000
2025-12-10Listed for sale$1,449,000
2019-10-01Sold$750,000
2019-10-01Listed for sale$769,900
2019-10-01Pending sale$769,900
2019-08-23Listed for sale$769,900
2019-08-23Pending sale$769,900
2019-07-09Listed for sale$769,900

For Sale by Agent

AgentNinah Hunter
BrokerageHunter Realty

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