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1088 20th Rd, Fruita, CO, 81521

4beds
2baths
2,656sqft
$679,555
$256price/sqft
$5,075/moest. monthly cost
$203,000/yrincome needed

About This Home

Discover an incredible opportunity in one of the Grand Valley’s most desirable rural corridors between Fruita and Grand Junction. Situated on expansive irrigated acreage with development potential, this versatile property offers freedom, flexibility, and breathtaking 360-degree views of the Colorado National Monument, Mount Garfield, and the Grand Mesa. Bordered by the Grand Valley irrigation canal and positioned on a corner lot, this property offers exceptional potential for future improvements, additional shops, animals, hobby farming, recreation, investment opportunities, or possible subdivision potential. With no HOA and room to grow, this is the type of property buyers wait years to find. The home itself is comfortable, functional, and move-in ready with newer flooring, newer windows, a newer roof, brand-new stainless steel kitchen appliances, and washer/dryer included. The upper level features 2 bedrooms and 2 bathrooms along with spacious living areas and abundant natural light. The basement includes 3 additional non-conforming rooms ideal for guests, offices, hobbies, workout areas, storage, or flex space, plus a massive cellar/storage area. Outside, the oversized detached shop/garage provides excellent space for projects, vehicles, toys, equipment, or workshop use. Additional outbuildings and open ground offer flexibility for animals, equipment storage, or future expansion. Located approximately 10 minutes from both Fruita and Grand Junction, this property combines peaceful country living with convenient access to shopping, dining, schools, recreation, and interstate access. Rarely does a property offer this much flexibility, water access, acreage potential, views, and location all in one package.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

7/10
6/10
Fruita 8/9 SchoolGrades 8-91.9 mi
7/10
Fruita Monument High SchoolGrades 10-122.1 mi

Construction

Condition

  • Year built: 1959

Materials

  • Roof: Asphalt,Composition
  • Construction materials: Wood Siding,Wood Frame

Notable Dates

  • Major remodel year: 2020

Type & Style

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

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Finished

Bedroom2

  • Level: Main
  • Dimensions: 12 x 11

Bedroom3

  • Level: Basement
  • Dimensions: 16 x 15

Bedroom4

  • Level: Basement
  • Dimensions: 20 x 11

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2

Dining Room

  • Level: Main
  • Dimensions: 12 x 13

Family Room

  • Dimensions: 0

Features

  • Ceiling Fan(s),Kitchen/Dining Combo,Main Level Primary,Pantry,Walk-In Closet(s)
  • Flooring: Carpet,Laminate,Linoleum,Simulated Wood
  • Fireplace features: Living Room,Wood Burning Stove
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: None

Interior Area

  • Total structure area: 2,656
  • Total interior livable area: 2,656 sqft

Kitchen

  • Level: Main
  • Dimensions: 23 x 14

Laundry

  • Level: Main
  • Dimensions: 5 x 6

Living Room

  • Level: Main
  • Dimensions: 26 x 16

Master Bedroom

  • Level: Main
  • Dimensions: 14 x 20

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 269714200189
  • Zoning description: AG

Features

  • Patio & porch: Covered,Deck,Open,Patio
  • Exterior features: Sprinkler/Irrigation
  • Fencing: None

Lot

  • Lot size: 9.50 Acres
  • Features: Landscaped,Sprinkler System
  • Lot size dimensions: 9.5 acres

Parking

  • Total spaces: 2
  • Parking features: Detached,Garage,RV Access/Parking
  • 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

  • Lightning
    LightningVery High
  • Drought
    DroughtRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Landslide
    LandslideRelatively High
  • Avalanche
    AvalancheModerate
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Drought
Inland Flooding
Landslide
Avalanche
Cold Wave
Earthquake
Wildfire
Winter Weather

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 $3,436$41,232
Home Insurance *$166$1,992
Property Taxes $1,273$15,276
Electricity $200$2,406
Total$5,075$60,900
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$174,000/yr
40% on housing$152,250/yr
45% on housing$135,333/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: 13.1%
13.1%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 2.9%
2.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$256This listing

vs Other Active Listings

Avg $/sqft

ZIP 81521$208
Mesa County$236

vs Homes Sold Last Month

Median $/sqft

ZIP 81521$295
Mesa County$263

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
2026-05-07Listed for sale$749,999

For Sale by Agent

AgentTHE JOE REED TEAM
BrokerageREED REAL ESTATE GROUP, LLC

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