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19845 E Top O The Moor Dr, Monument, CO, 80132

5beds
4baths
3,372sqft
$960,000
$285price/sqft
$5,878/moest. monthly cost
$235,120/yrincome needed

About This Home

Tucked away on a private 1.06-acre flag lot, this custom-built home is surrounded by mature pines and set back from the road, the property feels like a true Colorado retreat—quiet, peaceful, and immersed in nature—while still being part of an established neighborhood. Built in 2021, it stands out as a newer home in an area where that’s increasingly hard to find. With 5 bedrooms and 3.5 bathrooms, the layout is spacious and flexible, designed for both everyday comfort and entertaining. Inside, a thoughtful mix of hardwood, tile, and carpet creates warmth and practicality throughout the home. Large windows bring in natural light and frame the wooded setting, giving the entire space a cozy mountain feel. The kitchen features granite countertops, gas cooktop, double ovens, walk-in pantry and flows easily into the main living and dining areas, creating a central gathering space that feels connected and inviting. Downstairs, the walkout basement opens to the south-facing patio, and includes a wet bar, three bedrooms and two bathrooms—ideal for hosting or creating a separate living area. Comfort is a standout feature, with radiant floor heating running throughout the home and extending into the oversized garage—providing efficient, consistent warmth during Colorado winters. Step outside to a large back patio, complete with a gas stub for grilling, perfect for enjoying quiet evenings or entertaining among the trees. The south-facing orientation of the walkout basement brings in great natural light and enhances the indoor-outdoor connection. Blending modern construction with a peaceful, wooded setting, this home offers a unique opportunity to enjoy privacy, space, and comfort in one of Monument’s most desirable areas. This home is has easy access to I-25 for a commute to Denver or Colorado Springs as well as near hiking trails, open spaces, and ponds. Residents can also join Woodmoor Country Club with a private golf course, club house and pools.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
15
BikeSomewhat Bikeable

Schools

6/10
5/10
8/10
Palmer Ridge High SchoolGrades 9-121.3 mi

Construction

Condition

  • Property condition: Existing Home
  • Year built: 2021

Materials

  • Foundation: Walk Out
  • Roof: Composite Shingle
  • Construction materials: Stucco,Concrete,Frame

Type & Style

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

Interior

Appliances

  • Appliances included: 220v in Kitchen,Cooktop,Dishwasher,Disposal,Double Oven,Indoor Grill,Gas in Kitchen,Microwave,Refrigerator
  • Laundry features: Main Level

Basement

  • Has basement: Yes
  • Basement: Partially Finished

Bedrooms & Bathrooms

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

Features

  • 5-Pc Bath,9Ft + Ceilings,Vaulted Ceiling(s),High Speed Internet,Pantry,Wet Bar
  • Window features: Window Coverings
  • Flooring: Carpet,Ceramic Tile,Wood
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area below ground: 1,686
  • Finished area above ground: 1,686

Heating & Cooling

  • Heating features: Radiant
  • Cooling features: None

Interior Area

  • Total structure area: 3,372
  • Total interior livable area: 3,372 sqft

Other

  • Level: Main
  • Area: 225

Property

Accessibility

  • Accessibility features: Stairs to front entrance,Stairs to garage

Details

  • Parcel number: 7101301047

Features

  • Patio & porch: Concrete,Covered
  • Fencing: See Remarks

Lot

  • Lot size: 1.06 Acres
  • Features: Flag Lot,Sloped,Wooded,Hiking Trail,Near Park,Near Schools,HOA Required $

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage Door Opener,Heated Garage,Oversized,Paved Driveway
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

  • Winter Weather
    Winter WeatherVery High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Wildfire
    WildfireRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Strong Wind
    Strong WindModerate

How This Home’s Risks Compare

Winter Weather
Hail
Lightning
Tornado
Wildfire
Inland Flooding
Strong Wind

FEMA Declared Disasters Across Colorado Counties

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 $4,854$58,248
Home Insurance *$410$4,920
Property Taxes $360$4,320
Electricity $254$3,054
Total$5,878$70,536
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$201,531/yr
40% on housing$176,340/yr
45% on housing$156,746/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: 15.0%
15.0%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 2.5%
2.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$285This listing

vs Other Active Listings

Avg $/sqft

ZIP 80132$226
El Paso County$182

vs Homes Sold Last Month

Median $/sqft

ZIP 80132
El Paso County

Current Market Trends

No market data available for this area

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-01Price change$1,030,000
2026-04-03Price change$1,095,000
2026-03-27Listed for sale$1,125,000
2021-08-10Sold$183,031
2020-12-22Sold$181,600
1997-03-19Sold$56,000

For Sale by Agent

AgentDavid McElhoes
BrokerageDavid Blain McElhoes

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