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100 W Spruce Dr., South Fork, CO, 81154

5beds
3baths
2,844sqft
$930,000
$327price/sqft
$5,840/moest. monthly cost
$233,600/yrincome needed

About This Home

Located in the desirable Dakota Park subdivision in South Fork, Colorado, this spacious 2,844 sq ft home offers a functional layout with plenty of room for family and guests. The main level features a large living room with a wood-burning fireplace, creating a warm and inviting space to gather. The adjacent dining room and kitchen provide great flow for entertaining and everyday living. The kitchen is equipped with a built-in single wall oven, range, dishwasher, and refrigerator. The main floor also includes two bedrooms, including the primary suite with an ensuite bathroom, along with a laundry room and convenient half bath. The home is heated with baseboard radiant heat, providing steady and comfortable warmth throughout the main house. Upstairs you'll find three additional bedrooms plus a bonus room ideal for an office, craft room, or flex space. Enjoy the outdoors from the screened-in porch or relax on the covered deck, perfect for taking in the mountain air. The property also includes an attached two-car garage, as well as a detached garage/shop with a 1-bedroom, 1-bath apartment. The apartment features electric baseboard heat and includes a refrigerator, electric range/oven, and microwave, making it well suited for guests, extended family, or potential rental income. The property is served by a private well and connected to the town sewer system. Situated in a quiet neighborhood just minutes from golf, fishing, hiking, and all that South Fork has to offer, this property provides the space and flexibility to enjoy mountain living year-round.

Getting Around

21
WalkingCar-Dependent
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

5/10
6/10
Del Norte Jr/Sr High SchoolGrades 7-1216.7 mi

Construction

Condition

  • Year built: 1998

Materials

  • Roof: Architectural Shingles
  • Construction materials: Wood,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Stick Built

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Oven-Wall,Range Top,Refrigerator,Washer

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Dining Room

  • Features: Kitchen/Dining

Features

  • Flooring: Carpet-Partial,Tile
  • Fireplace features: Living Room
  • Fireplace: Yes

Interior Area

  • Total structure area: 2,844
  • Total interior livable area: 2,844 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 2133102015
  • Zoning description: Residential Single Family

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 0.72 Acres

Parking

  • Total spaces: 2
  • Parking features: Attached 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

  • Inland Flooding
    Inland FloodingVery High
  • Lightning
    LightningVery High
  • Landslide
    LandslideRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Avalanche
    AvalancheModerate
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Landslide
Winter Weather
Avalanche
Cold Wave
Drought
Wildfire

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 $4,702$56,424
Home Insurance *$583$6,996
Property Taxes $341$4,092
Electricity $214$2,576
Total$5,840$70,080
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$200,228/yr
40% on housing$175,200/yr
45% on housing$155,733/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: 14.9%
14.9%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 0.5%
0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$327This listing

vs Other Active Listings

Avg $/sqft

ZIP 81154$179
Rio Grande County$149

vs Homes Sold Last Month

Median $/sqft

ZIP 81154
Rio Grande County$286

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
2026-03-16Listed for sale$950,000
2019-12-09Sold$381,000
2019-07-16Price change$425,000
2019-06-03Listed for sale$483,000
2018-12-01Listing removed$498,000
2018-03-06Listed for sale$498,000

For Sale by Agent

AgentBrittany Hathorn
BrokerageEXIT Silver Thread Realty

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