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428 Rustic Rd, Bellvue, CO, 80512

4beds
3baths
2,538sqft
$749,999
$296price/sqft
$4,522/moest. monthly cost
$180,880/yrincome needed

About This Home

Escape the noise and rediscover the rhythm of nature at 428 Rustic Road, an extraordinary riverside retreat nestled in the heart of the Upper Poudre Canyon. Tucked away on a quiet private road within the Roosevelt National Forest, this property offers a level of serenity that is increasingly rare. Inside, the main residence breathes with character. Artisanal finishes, including live-edge wood moldings and natural trim, create a seamless connection to the outdoors. The heart of the home is a cozy living area anchored by a wood-burning stove perfect for snowy Colorado evenings. A spacious four-seasons room adjoins the well-appointed kitchen and dining area, offering a sun-drenched space to watch local wildlife roam the lot and your slice of the river. The primary suite serves as a private haven with your own ensuite bathroom boasting dual vanities, large walk-in shower and oversized closet. The main house includes two other bedrooms giving space to spread out. The magic extends across the grounds to a charming, detached guest cabin. Separated from the main house by the sounds of the private mineral brook, this auxiliary dwelling studio features its own full bath and kitchenette. Whether used as a long-term rental, an artist's studio, or a private suite for family, it provides a quiet space for guests to find their own sense of peace. The lifestyle here is defined by your immediate access to the wild. You can experience true stillness on the back deck, where a hot tub awaits under some of the clearest stargazing skies in Northern Colorado, or enjoy the front porch overlooking a landscape painted with seasonal wildflowers and towering pines. All the while you are just steps away from world-class fishing on the Cache La Poudre River and the modern amenities Glen Echo has to offer. You also remain conveniently connected, located only an hour from Fort Collins. Embrace the stillness of the canyon and secure your legacy in this rare, high-country retreat.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
14
BikeSomewhat Bikeable

Schools

7/10
7/10
7/10
Poudre High SchoolGrades 9-1225.4 mi

Construction

Condition

  • Year built: 1995

Materials

  • Roof: Metal
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cabin
  • Property subType: Cabin

Interior

Appliances

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

Basement

  • Basement: None

Bedroom2

  • Level: Main
  • Area: 154
  • Dimensions: 11 x 14

Bedroom3

  • Level: Main
  • Area: 121
  • Dimensions: 11 x 11

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 132
  • Dimensions: 11 x 12

Family Room

  • Level: Main
  • Area: 240
  • Dimensions: 10 x 24

Features

  • Eat-in Kitchen,Separate Dining Room,Open Floorplan,Workshop,Natural Woodwork,Walk-In Closet(s),Kitchen Island,Crown Molding,Sun Room
  • Window features: Window Coverings,Bay or Bow Window
  • Fireplace features: Free Standing,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,160

Heating & Cooling

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

Interior Area

  • Total structure area: 2,160
  • Total interior livable area: 2,538 sqft

Kitchen

  • Level: Main
  • Area: 143
  • Dimensions: 11 x 13

Laundry

  • Level: Main
  • Area: 21
  • Dimensions: 3 x 7

Living Room

  • Level: Main
  • Area: 260
  • Dimensions: 13 x 20

Primary Bedroom

  • Features: 3/4 Primary Bath
  • Level: Main
  • Area: 182
  • Dimensions: 13 x 14

Recreation Room

  • Level: Main
  • Area: 299
  • Dimensions: 13 x 23

Property

Accessibility

  • Accessibility features: Level Lot,Level Drive,Low Carpet,No Stairs,Main Floor Bath,Accessible Bedroom,Main Level Laundry

Details

  • Parcel number: R0282235
  • Zoning: O
  • Special condition: Private Owner
  • Exclusions: Sellers Personal Property,2 wooden chairs on front porch

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio,Deck
  • Spa features: Heated
  • Has view: Yes
  • View description: Hills,Plains View,Water
  • Has water view: Yes
  • Water view: Water
  • On waterfront: Yes
  • Waterfront features: River,River Front,Stream(s),Waterfront

Lot

  • Lot size: 0.65 Acres
  • Features: Wooded,Evergreen Trees,Deciduous Trees,Native Plants,Level,Waterfront,Gutters,Water Rights Excluded

Parking

  • Parking features: None

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
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Landslide
    LandslideRelatively High
  • Lightning
    LightningRelatively High
  • Wildfire
    WildfireRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Avalanche
    AvalancheModerate

How This Home’s Risks Compare

Hail
Inland Flooding
Landslide
Lightning
Wildfire
Winter Weather
Avalanche

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 $3,792$45,504
Home Insurance *$215$2,580
Property Taxes $324$3,888
Electricity $191$2,299
Total$4,522$54,264
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$155,040/yr
40% on housing$135,660/yr
45% on housing$120,586/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

$296This listing

vs Other Active Listings

Avg $/sqft

ZIP 80512$343
Larimer County$232

vs Homes Sold Last Month

Median $/sqft

ZIP 80512$337
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
2026-05-13Price change$749,999
2026-04-29Price change$774,999
2026-04-18Listed for sale$799,000
2026-01-07Listing removed$784,900
2025-12-16Price change$784,900
2025-09-16Price change$799,900
2025-09-05Price change$814,900
2025-08-14Price change$819,900
2025-08-07Price change$824,900
2025-06-09Listed for sale$829,900
2022-03-15Sold$785,000
2021-09-12Listed for sale$785,000
2007-09-27Sold$325,000
2002-10-16Sold$308,000
1999-09-14Sold$215,000

For Sale by Agent

AgentAnna Yost
BrokerageCompass - Boulder

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