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15535 S Elk Creek Road, Pine, CO, 80470

2beds
1baths
1,295sqft
$396,000
$306price/sqft
$2,547/moest. monthly cost
$101,880/yrincome needed

About This Home

AS-IS with a $35,000 SELLER CONCESSION TO USE AS YOU PLEASE - toward repairs or 3/2/1 buy-down. This rustic mountain cabin on 1 acre invites you to step away from the hustle and find your peace beneath the pines. Whether you're weekend adventurers or looking for a full-time escape, this 1-bedroom + 1 bonus room, 1-bath retreat offers cozy comfort with some solid upgrades. The kitchen and flooring have been updated, blending modern touches with the cabin’s original charm. Step outside to the deck off the kitchen, ideal for morning coffee or stargazing nights. But what really sets this property apart is everything beyond the main cabin:A full sauna on-site to melt away the day’s stresses, a volleyball court setup out back, a greenhouse/shed and I know you noticed the outstanding oversized 22’x40’ detached garage/workshop with a heated and insulated 14’x35’ loft space above—ready for your projects, storage, or creative pursuits. Now for the gritty details: property backs to a private 73 acres, you're at the end of a shared drive for maximized privacy, separate propane tanks (500-gallon for the house, 250-gallon for the garage), each with 200-amp service and 220v hookups. The garage packs a 100,000 BTU heater— keeping you warm no matter where you are. Whether you’re wrenching on projects, soaking in the sauna, or just enjoying the quiet, this place gives you the freedom to do mountain life your way. And seriously—have you seen that garage?

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
0
BikeNot Bike Friendly

Schools

6/10
6/10
10/10
Conifer High SchoolGrades 9-126.6 mi

Construction

Condition

  • Year built: 1949

Materials

  • Foundation: Raised
  • Roof: Composition
  • Construction materials: Frame,Stone,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Range,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Cellar,Unfinished

Bathroom

  • Level: Main

Bedroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

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

Features

  • Eat-in Kitchen,Sauna,T&G Ceilings
  • Flooring: Carpet,Laminate,Tile
  • Finished area below ground: 0
  • Finished area above ground: 1,295
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Baseboard,Electric
  • Cooling features: None

Interior Area

  • Total structure area: 1,295
  • Total interior livable area: 1,295 sqft

Kitchen

  • Level: Main

Living Room

  • Level: Main

Mud Room

  • Level: Main

Property

Details

  • Parcel number: 046100
  • Zoning: A-2
  • Special condition: Standard
  • Exclusions: Sellers Personal Property

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Fencing: None
  • Has view: Yes
  • View description: Mountain(s)

Lot

  • Lot size: 1 Acres
  • Features: Foothills,Many Trees

Parking

  • Total spaces: 4
  • Parking features: Heated Garage,Insulated Garage,Lighted,Oversized,Storage,Shared Driveway
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4
  • Has uncovered spaces: Yes

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
  • Wildfire
    WildfireVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Landslide
    LandslideRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Hail
Lightning
Wildfire
Inland Flooding
Landslide
Winter Weather
Strong Wind
Tornado

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 $2,002$24,024
Home Insurance *$185$2,220
Property Taxes $174$2,088
Electricity $186$2,232
Total$2,547$30,564
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$87,325/yr
40% on housing$76,410/yr
45% on housing$67,920/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: 13.9%
13.9%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 4.3%
4.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$306This listing

vs Other Active Listings

Avg $/sqft

ZIP 80470$254
Jefferson County$240

vs Homes Sold Last Month

Median $/sqft

ZIP 80470$234
Jefferson County$277

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
2026-05-11Price change$405,000
2026-05-07Listed for sale$420,000
2026-04-21Pending sale$420,000
2026-02-14Price change$420,000
2025-08-12Price change$430,000
2025-06-26Price change$440,000
2025-06-11Price change$450,000
2025-05-31Price change$464,500
2025-05-01Listed for sale$474,500
2018-10-26Sold$259,000
2018-09-13Pending sale$259,000
2018-08-20Listed for sale$259,000
2010-05-13Sold$65,000
2010-03-06Listed for sale$74,950
2009-11-21Listing removed$74,950
2009-08-14Price change$74,950
2009-05-02Listed for sale$80,000
2000-10-13Sold$50,000

For Sale by Agent

AgentJess Munsterman
BrokerageReal Broker, LLC DBA Real

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