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440 S Campbell Ave, Holyoke, CO, 80734

2beds
2baths
2,106sqft
$255,000
$121price/sqft
$1,862/moest. monthly cost
$74,480/yrincome needed

About This Home

Welcome to 440 S Campbell Ave, a residence that perfectly blends early 20th-century character with the space and comfort of a modern layout. Originally built in 1921 and thoughtfully expanded, this 2,002 sq. ft. single-story home offers an incredible opportunity for those seeking a peaceful lifestyle in a friendly, tight-knit community.The Interior ExperienceStep inside to find a surprisingly spacious floor plan featuring 5 well-proportioned rooms. With 2 bedrooms and 2 bathrooms, the home provides a comfortable sanctuary with plenty of room to breathe. The heart of the home is warmed by an efficient hot water heating system, ensuring a cozy atmosphere through the Colorado winters. Whether you're looking to preserve its vintage soul or bring in contemporary finishes, the bones of this home are ready for your vision.Outdoor Living & LocationSituated on a generous 0.26-acre lot, the property offers a large backyard with endless possibilities-perfect for gardening, weekend BBQs, or creating a private outdoor retreat.Location is everything here:Education at Your Doorstep: Located just 0.2 miles from Holyoke Elementary and 0.3 miles from Holyoke Senior High, making morning commutes a breeze.Peace & Quiet: Nestled in a "Silent Zone," this home enjoys virtually no noise from through-traffic, offering a serene environment 24/7.Small-Town Convenience: Enjoy being within walking distance of local amenities while living on a charming, paved city street.Property Home is currently set up as a rental upstairs and rental downstairs. could be converted back into a sigle family home.

Getting Around

52
WalkingSomewhat Walkable
0
TransitVery Limited Transit
57
BikeBikeable

Schools

5/10
6/10

Construction

Condition

  • Year built: 1921

Materials

  • Roof: Composition
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Mixed Use

Interior

Appliances

  • Appliances included: Electric Range,Refrigerator,Washer,Dryer,Microwave
  • Laundry features: Washer/Dryer Hookup

Basement

  • Has basement: Yes
  • Basement: Full,Partially Finished

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1
  • Main level bathrooms: 1

Features

  • Separate Dining Room
  • Window features: Window Coverings
  • Finished area below ground: 1,043
  • Finished area above ground: 1,063

Heating & Cooling

  • Heating features: Hot Water
  • Cooling features: Wall/Window Unit(s),Ceiling Fan(s)

Interior Area

  • Total structure area: 2,106
  • Total interior livable area: 2,106 sqft

Kitchen

  • Level: Main
  • Area: 200
  • Dimensions: 20 x 10

Primary Bedroom

  • Level: Main
  • Area: 150
  • Dimensions: 15 x 10

Property

Accessibility

  • Accessibility features: Level Lot

Details

  • Parcel number: R003785
  • Zoning: RES
  • Special condition: Private Owner

Features

  • Levels: Bi-Level
  • Patio & porch: Patio
  • Has view: Yes
  • View description: Plains View

Lot

  • Lot size: 0.26 Acres
  • Features: Corner Lot,Deciduous Trees,Paved,Curbs,Gutters,Sidewalks,Street Light,Fire Hydrant within 500 Feet

Parking

  • Total spaces: 2
  • Parking features: Detached
  • 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

  • Hail
    HailVery High
  • Lightning
    LightningVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Cold Wave
    Cold WaveRelatively High
  • Drought
    DroughtRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Hail
Lightning
Strong Wind
Tornado
Cold Wave
Drought
Inland Flooding
Winter Weather
Ice Storm

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 $1,289$15,468
Home Insurance *$281$3,372
Property Taxes $106$1,272
Electricity $186$2,232
Total$1,862$22,344
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$63,840/yr
40% on housing$55,860/yr
45% on housing$49,653/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: 14.4%
14.4%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 11.8%
11.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$121This listing

vs Other Active Listings

Avg $/sqft

ZIP 80734$108
Phillips County$97

vs Homes Sold Last Month

Median $/sqft

ZIP 80734
Phillips County$193

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
2026-03-26Listed for sale$255,000

For Sale by Agent

AgentJ Casey Blake
BrokerageChoice Real Estate

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