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58177 Garner Lane, Olathe, CO, 81425

5beds
4baths
2,772sqft
$959,900
$346price/sqft
$5,809/moest. monthly cost
$232,360/yrincome needed

About This Home

Rural living at its finest—this exceptional property offers privacy, views, and peaceful surroundings on a quiet cul-de-sac, a rare opportunity that doesn’t come along often. Built in 2020, the home features 2,772 sq ft of thoughtfully designed living space with a desirable split floor plan. The main level includes four spacious bedrooms and 2½ baths, each with distinctive finishes and convenient access. Above the garage, a private fifth bedroom with its own ¾ bath, skylight, and expansive southern views offers flexibility as a guest suite or potential second primary retreat. The open-concept living area is warm and inviting, highlighted by tray ceilings and a beautifully designed gas fireplace. The kitchen is a standout with a Viking range, matching appliances, generous pantry, and an island with sink and dining bar—perfectly suited for both everyday living and entertaining. The adjoining breakfast area is filled with natural light and opens through the patio slider to the covered outdoor living space, while the formal dining area comfortably accommodates gatherings of any size. Step outside to a spacious covered patio complete with outdoor kitchen and BBQ area, ideal for enjoying Colorado’s seasons with family and friends. The property also includes substantial storage, additional outbuildings, and even a charming “luxury chicken house.” The expanded sprinkler system supports additional lawn or garden space, and the acreage provides ample room to relax, roam, and take in the surrounding beauty. Conveniently located between Olathe and Montrose—this is country living without compromise. Could life get any better?

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

4/10
Olathe Elementary SchoolGrades PK-52.7 mi
5/10
Olathe High SchoolGrades 6-122.5 mi
--
Olathe Middle SchoolGrades 6-83.1 mi

Construction

Condition

  • Year built: 2019

Materials

  • Roof: Composition
  • Construction materials: Wood Frame,Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Stick Built

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Exhaust Fan,Range Top,Range,Refrigerator
  • Laundry features: W/D Hookup

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Cooling

  • Cooling features: Central Air,Ceiling Fan(s)

Dining Room

  • Features: Breakfast Nook,Kitchen Bar,Separate Dining

Features

  • Ceiling Fan(s),Granite Counters,Pantry,Walk-In Closet(s)
  • Window features: Window Coverings,Skylight(s),Clad,Double Pane Windows,Skylight,Vinyl
  • Flooring: Tile
  • Fireplace features: Den/Family Room
  • Fireplace: Yes
  • Finished area above ground: 2,772

Interior Area

  • Total structure area: 2,772
  • Total interior livable area: 2,772 sqft

Master Bedroom

  • Level: Main,Upper

Property

Details

  • Parcel number: 373228203002
  • Zoning description: Residential Single Family

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Covered Porch,Deck,Patio
  • Exterior features: Gas Grill,Irrigation Water,Landscaping,Lawn Sprinklers,RV Hookup
  • Has view: Yes
  • View description: Mountain(s),Other
  • Frontage length: 150'+ Frontage
  • Horses can be raised: Yes

Lot

  • Lot size: 3.68 Acres
  • Features: Cul-De-Sac
  • Lot size dimensions: 265 x 621

Parking

  • Total spaces: 2
  • Parking features: Attached Garage,Garage Door Opener
  • 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
  • Cold Wave
    Cold WaveModerate
  • Drought
    DroughtModerate
  • Inland Flooding
    Inland FloodingModerate
  • Landslide
    LandslideModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Cold Wave
Drought
Inland Flooding
Landslide
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 $4,853$58,236
Home Insurance *$460$5,520
Property Taxes $287$3,444
Electricity $209$2,511
Total$5,809$69,708
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$199,165/yr
40% on housing$174,270/yr
45% on housing$154,906/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: 13.7%
13.7%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 5.0%
5.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$346This listing

vs Other Active Listings

Avg $/sqft

ZIP 81425$203
Montrose County$395

vs Homes Sold Last Month

Median $/sqft

ZIP 81425$157
Montrose County$258

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
2026-02-21Listed for sale$959,900
2022-09-01Listing removed--
2022-02-01Listed for sale$819,000

For Sale by Agent

AgentPeg Evanoika
BrokerageCENTURY 21 Elevated Real Estate

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