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655 Kiowa Rd, Lyons, CO, 80540

3beds
3baths
3,007sqft
$879,000
$292price/sqft
$5,435/moest. monthly cost
$217,400/yrincome needed

About This Home

Tucked along the Little Thompson River, this 1.35-acre property in Pinewood Springs offers a front row seat to wildlife and the seasonal river. The 3,000 square foot home includes 3 bedrooms and 3 bathrooms, designed with a comfortable ranch layout and new 4-stage water filtration system. The main living area is a standout, anchored by a wall of windows, warm wood detailing, and a moss rock wall with wood stove. Natural light carries through the space, with an easy connection to the outdoors. Additional living areas provide flexibility for hosting, working from home, or separate gathering spaces. The kitchen has been refreshed with updated appliances, counters, and opens naturally to the dining and living areas. The primary suite is spacious and private, with a well-executed bath update. New furnace, water heater and A/C. A covered deck and stone patio overlook the Little Thompson, which runs seasonally, bringing movement and sound to the setting throughout the year. The lot offers a mix of open areas and mature trees, creating both usability and serenity. An attached two-car garage is complemented by a separate detached garage, well suited for a workshop, studio, or additional storage. A spacious circular driveway makes guest or RV parking a breeze. Kiowa Road is well maintained year-round, providing reliable access, while the home itself is set back to create a quiet, removed feel. Pinewood Springs is a close-in mountain neighborhood just 10 minutes to downtown Lyons, 30 min to Boulder and about 30 minutes to Rocky Mountain National Park. Surrounded by Roosevelt National Forest, the area offers immediate access to hiking, mountain biking, and wildlife viewing, with frequent sightings of deer, migrating elk, and a wide variety of birds. The community also enjoys a private swimming hole and picnic area on the river. The Colorado Cherry Company, a local favorite, is just down the road and a natural place to connect with neighbors over coffee or a slice of pie.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

4/10
Estes Park K-5 SchoolGrades PK-59.6 mi
6/10
Estes Park Middle SchoolGrades 6-89.7 mi
4/10
Estes Park High SchoolGrades 9-129.6 mi

Construction

Condition

  • Year built: 1982

Materials

  • Roof: Composition,Metal
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Single Family Residence

Interior

Appliances

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

Basement

  • Basement: None

Bedroom2

  • Level: Main
  • Area: 195
  • Dimensions: 13 x 15

Bedroom3

  • Level: Main
  • Area: 221
  • Dimensions: 13 x 17

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 98
  • Dimensions: 7 x 14

Family Room

  • Level: Main
  • Area: 450
  • Dimensions: 18 x 25

Features

  • Eat-in Kitchen,Open Floorplan,Workshop,Pantry,Sun Room
  • Door features: French Doors
  • Window features: Skylight(s),Window Coverings,Wood Frames
  • Fireplace features: Free Standing,Two or More,Great Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 3,007

Heating & Cooling

  • Heating features: Forced Air,Baseboard,Wood Stove,Pellet Stove
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 3,007
  • Total interior livable area: 3,007 sqft

Kitchen

  • Level: Main
  • Area: 140
  • Dimensions: 10 x 14

Laundry

  • Level: Main
  • Area: 70
  • Dimensions: 7 x 10

Living Room

  • Level: Main
  • Area: 266
  • Dimensions: 14 x 19

Primary Bedroom

  • Features: Full Primary Bath
  • Level: Main
  • Area: 304
  • Dimensions: 16 x 19

Property

Accessibility

  • Accessibility features: Main Floor Bath,Accessible Bedroom,Stall Shower,Main Level Laundry

Details

  • Parcel number: R0540609
  • Zoning: O
  • Special condition: Private Owner
  • Exclusions: All sellers personal property and staging items.

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio,Deck
  • Has view: Yes
  • View description: Hills,Water
  • Has water view: Yes
  • Water view: Water
  • Waterfront features: Abuts Stream/Creek/River

Lot

  • Lot size: 1.35 Acres
  • Features: Corner Lot,Wooded,Evergreen Trees,Deciduous Trees,Rolling Slope,Sloped,Steep Slope,Rock Outcropping

Parking

  • Total spaces: 4
  • Parking features: Garage Door Opener,Attached,Oversized
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4

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

  • Wildfire
    WildfireVery High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Avalanche
    AvalancheModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Wildfire
Lightning
Winter Weather
Avalanche
Hail
Inland Flooding
Landslide

FEMA Declared Disasters Across Colorado Counties

Fire

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 $4,444$53,328
Home Insurance *$384$4,608
Property Taxes $380$4,560
Electricity $227$2,724
Total$5,435$65,220
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$186,342/yr
40% on housing$163,050/yr
45% on housing$144,933/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: 15.3%
15.3%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.2%
3.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$292This listing

vs Other Active Listings

Avg $/sqft

ZIP 80540$267
Larimer County$232

vs Homes Sold Last Month

Median $/sqft

ZIP 80540$325
Larimer County$250

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
2026-04-14Listed for sale$879,000
2014-11-05Sold$375,000
2014-07-15Price change$385,000
2014-05-20Price change$416,000
2014-04-19Listed for sale$440,000
2001-06-01Sold$260,000

For Sale by Agent

AgentLaura Levy
BrokerageColdwell Banker Realty-Boulder

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