2648 Cutter Dr, Severance, CO, 80524
About This Home
Welcome to wide-open living on 1.5 acres in the desirable Saddler Ridge subdivision of Severance. This spacious ranch-style home offers an open, functional layout with room to gather, relax, and grow-both inside and out.The main level features a bright living area with a cozy fireplace, complemented by fresh interior paint throughout the home. The kitchen is designed for everyday living and entertaining, offering quartz countertops, stainless steel appliances, a large island, and ample cabinetry. The primary suite provides a peaceful retreat with an ensuite bath and walk-in closet, while additional main-level bedrooms offer flexibility for guests, offices, or hobbies.The finished lower level expands the living space with a large recreation area, two additional bedrooms, and a full bathroom-ideal for movie nights, multigenerational living, or guest accommodations.Outside, enjoy big-sky views and plenty of room for outdoor living, gardening, play, or future projects. The 4-car garage provides ample space for vehicles, tools, and toys. The neighborhood allows outbuildings and ADUs (buyer to verify), offering rare flexibility for workshops, barns, or guest spaces. Located just minutes from Windsor, Timnath, and Fort Collins, this move-in-ready Severance property delivers space, functionality, and a relaxed Northern Colorado lifestyle.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2022
Materials
- Roof: Composition
- Construction materials: Frame,Composition
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Range,Gas Range,Dishwasher,Refrigerator,Microwave,Disposal
- Laundry features: Washer/Dryer Hookup
Basement
- Has basement: Yes
- Basement: Full,Partially Finished
Bedroom2
- Level: Main
- Area: 120
- Dimensions: 10 x 12
Bedroom3
- Level: Main
- Area: 204
- Dimensions: 17 x 12
Bedroom4
- Level: Basement
- Area: 156
- Dimensions: 12 x 13
Bedroom5
- Level: Basement
- Area: 143
- Dimensions: 11 x 13
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 3
- 3/4 bathrooms: 1
- Main level bathrooms: 3
Features
- Eat-in Kitchen,Separate Dining Room,Open Floorplan,Walk-In Closet(s)
- Fireplace features: Gas
- Fireplace: Yes
- Finished area below ground: 1,957
- Finished area above ground: 1,957
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 3,914
- Total interior livable area: 3,914 sqft
Kitchen
- Level: Main
- Area: 169
- Dimensions: 13 x 13
Laundry
- Level: Main
- Area: 42
- Dimensions: 7 x 6
Living Room
- Level: Main
- Area: 256
- Dimensions: 16 x 16
Primary Bedroom
- Features: Full Primary Bath
- Level: Main
- Area: 247
- Dimensions: 19 x 13
Recreation Room
- Level: Basement
Property
Accessibility
- Accessibility features: Level Lot,Level Drive,Main Floor Bath,Accessible Bedroom,Stall Shower,Main Level Laundry
Details
- Parcel number: R8952574
- Zoning: Res
Features
- Levels: One
- Stories: 1
- Exterior features: Sprinkler System
- Fencing: Fenced
Lot
- Lot size: 1.50 Acres
- Features: Level,Paved,Curbs,Gutters
Parking
- Total spaces: 4
- Parking features: Attached,Heated Garage,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
- Hail
- Cold Wave
- Strong Wind
- Tornado
- Winter Weather
- Inland Flooding
- Lightning
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters Across Colorado Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $4,368 | $52,416 |
| Home Insurance * | $381 | $4,572 |
| Property Taxes | $396 | $4,752 |
| Electricity | $295 | $3,545 |
| Total | $5,440 | $65,280 |
Income You'd Need if You Spent...
Colorado FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-01-27 | Listed for sale | $900,000 |
| 2025-03-19 | Sold | $871,300 |
| 2023-03-20 | Sold | $839,948 |
| 2023-03-20 | Pending sale | $909,015 |
| 2023-03-20 | Listing removed | -- |
| 2022-10-05 | Pending sale | $909,015 |
| 2022-06-06 | Price change | $909,015 |
| 2022-04-27 | Pending sale | $899,015 |
| 2022-04-14 | Price change | $899,015 |
| 2022-03-31 | Pending sale | $869,015 |
| 2022-03-21 | Price change | $869,015 |
| 2022-02-11 | Price change | $864,665 |
| 2022-01-21 | Listed for sale | $843,015 |
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