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130 Spearstone Ave, Gypsum, CO, 81637

3beds
3baths
1,644sqft
$796,489
$484price/sqft
$4,666/moest. monthly cost
$186,640/yrincome needed

About This Home

Siena Lake is a brand new community of mountain modern single-family homes equipped with two-car garages, unfinished basements, air conditioning, an electric fireplace, a private yard, and separate decks for enjoying the refreshing Colorado air. Each residence has main floor primary suites for convenient single-level living; models also include the option for ''solar ready+plus electric vehicle charger. Siena Lake is your gateway to the Rockies and just a short drive to Vail and Beaver Creek Ski Resorts. Anchored by a seven-acre scenic swimming lake, this incredible location offers a never-ending supply of natural beauty and four seasons of outdoor activity - including world-class skiing, hiking, fishing, mountain biking, and more. Siena Lake is designed to provide community and convenient on-site enjoyment for residents. Experience all of Siena Lake through the various on-site outdoor activities, including indoor/outdoor swimming, walking trails, clubhouse access, gardens, dog parks, and more. Spruce Model - 1,644 Sq Ft, 3 bedroom 2.5 bath, upstairs office/flex room, stainless steel appliances, quartz countertops, master walk-in closet, ground floor porch, one terrace, and second-floor deck. Open main floor living plan with cathedral ceilings, electric fireplace, unfinished basement, and a two-car garage with two outdoor parking spaces.

Getting Around

22
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

4/10
4/10
7/10
Eagle Valley High SchoolGrades 9-122.9 mi

Construction

Materials

  • Foundation: Poured in Place
  • Roof: Metal
  • Construction materials: Frame,Other

Notable Dates

  • Major remodel year: 2026

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Range,Refrigerator,Washer/Dryer
  • Laundry features: See Remarks

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

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

Features

  • Master Downstairs,Vaulted Ceiling(s)
  • Flooring: Simulated Wood
  • Fireplace features: Electric
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced Air,Natural Gas
  • Cooling features: Ceiling Fan(s),Central Air

Interior Area

  • Total structure area: 2,466
  • Total interior livable area: 1,644 sqft

Property

Details

  • Parcel number: 211102309040
  • Zoning: Res
  • Special condition: Standard

Features

  • Levels: Multi/Split
  • Stories: 2
  • Entry location: Ground
  • Has view: Yes
  • View description: Mountain(s),Valley

Lot

  • Lot size: 3,484 sqft

Parking

  • Total spaces: 4
  • Parking features: Garage,Surface
  • 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
  • Avalanche
    AvalancheRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Avalanche
Winter Weather
Landslide

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 $4,027$48,324
Home Insurance *$215$2,580
Property Taxes $238$2,856
Electricity $186$2,232
Total$4,666$55,992
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$159,977/yr
40% on housing$139,980/yr
45% on housing$124,426/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: 17.2%
17.2%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 2.0%
2.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$484This listing

vs Other Active Listings

Avg $/sqft

ZIP 81637$709
Eagle County$1,132

vs Homes Sold Last Month

Median $/sqft

ZIP 81637$417
Eagle County$648

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)

No zestimate history available

Price History

DateEventPrice
2026-03-10Price change$796,489
2024-05-10Price change$786,489
2023-06-20Pending sale$756,240

For Sale by Agent

AgentVit Blanar
BrokerageVail Land Company LLC

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