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1739 21st Trail, Cotopaxi, CO, 81223

1beds
1baths
1,874sqft
$499,900
$267price/sqft
$3,218/moest. monthly cost
$128,720/yrincome needed

About This Home

OFF-GRID READY RETREAT WITH SHOP, ACREAGE & VIEWS -- Stunning Sangre de Cristo Mountain views set the stage for this 5.23-acre property with major infrastructure already in place. This 1-bedroom home with loft includes an installed solar system and is fully wired for optional grid connection-buyer will need a licensed electrician to activate outlets, reflected in the discounted price. Inside features luxury vinyl flooring, knotty alder soft-close cabinetry, and a thermostat-controlled propane pellet stove. A framed 10'W x 8'H header in the utility room offers potential for a future single-car garage conversion. The 32x56 concrete shop/barn is a standout, featuring a 120,000 BTU radiant Fenwall Heater-Heatstar, plus a 20x24 workshop/storage area and 16x32 horse space. Insulated with R21 batt and R38 blown insulation for year-round use. Solar system includes a 48V setup with 9 (300W) panels, 3000W inverter, and five 100-amp lithium batteries (new Nov 2025). Well, septic, and solar already in place-ideal for off-grid living or future customization.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
8
BikeSomewhat Bikeable

Schools

--
Cotopaxi Elementary SchoolGrades PK-511.8 mi

Construction

Condition

  • Year built: 2021

Materials

  • Roof: Metal
  • Construction materials: Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Gas Water Heater,Oven,Range,Refrigerator

Bathroom

  • Level: Main
  • Area: 78.2
  • Dimensions: 6.8 x 11.5

Bedroom

  • Level: Main
  • Area: 204
  • Dimensions: 12 x 17

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Dining Room

  • Level: Main
  • Area: 100
  • Dimensions: 10 x 10

Features

  • Kitchen Island,Open Floorplan,Pantry,Vaulted Ceiling(s)
  • Flooring: Laminate,Vinyl
  • Fireplace features: Living Room,Pellet Stove
  • Fireplace: Yes
  • Finished area above ground: 1,874

Heating & Cooling

  • Heating features: Pellet Stove
  • Cooling features: None

Interior Area

  • Total structure area: 1,874
  • Total interior livable area: 1,874 sqft

Kitchen

  • Level: Main
  • Area: 187.46
  • Dimensions: 10.3 x 18.2

Living Room

  • Level: Main
  • Area: 468
  • Dimensions: 24 x 19.5

Loft

  • Level: Upper
  • Area: 345
  • Dimensions: 15 x 23

Utility Room

  • Level: Main
  • Area: 278.894
  • Dimensions: 15.4 x 18.11

Property

Details

  • Parcel number: 76013120
  • Zoning: Rural Residential
  • Special condition: Standard
  • Exclusions: Sellers' Personal Property

Features

  • Levels: Two
  • Stories: 2
  • Fencing: Fenced,Partial

Lot

  • Lot size: 5.23 Acres
  • Features: Rolling Slope

Parking

  • Total spaces: 1
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

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
  • Wildfire
    WildfireRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Lightning
Wildfire
Winter Weather
Hail
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 $2,527$30,324
Home Insurance *$356$4,272
Property Taxes $149$1,788
Electricity $186$2,232
Total$3,218$38,616
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$110,331/yr
40% on housing$96,540/yr
45% on housing$85,813/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: 12.6%
12.6%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 5.4%
5.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$267This listing

vs Other Active Listings

Avg $/sqft

ZIP 81223$143
Fremont County$158

vs Homes Sold Last Month

Median $/sqft

ZIP 81223$198
Fremont County$209

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
2026-05-05Listed for sale$599,900

For Sale by Agent

AgentKimberly Powers
BrokerageSummit & Main Realty Group

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