20480 State Highway 69, Gardner, CO, 81040
About This Home
Escape to where Colorado's wild beauty meets true peace and privacy. This inviting 1,000 sq. ft. 2 bed / 1 bath cabin with loft—easily a 3rd bedroom—is the kind of place where memories are made, designed for slowing down and soaking it all in. Morning coffee on the deck, sunsets that stop you in your tracks, and star-filled skies at night. Set on 35 acres with easy year-round access just 20 miles from town and amenities, the property backs directly to 3,000 acres of BLM in Trophy GMU 84—an outdoor lover's dream. A brand-new shop with concrete floors and electric offers ample space for gear, projects, RV storage, and adventure. Conveniently located just 1.5 hours to Colorado Springs Airport, less than an hour to skiing at Cuchara Mountain Park, and about 1.5 hours to the Great Sand Dunes National Park—numerous day adventures await right from your doorstep. With no HOA or covenants, breathtaking 360 views, no deferred maintenance, and pre-listing inspections complete, this fully furnished, turnkey Colorado retreat is ready to welcome you home!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2004
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Basement
- Basement: None
Bedroom2
- Level: Main
- Area: 136.64
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
- 3/4 bathrooms: 1
- Main level bedrooms: 2
Dining Room
- Level: Main
- Area: 89.08
Features
- Ceiling Fan(s)
- Window features: Window Coverings
- Number of fireplaces: 1
- Fireplace: Yes
Interior Area
- Total structure area: 996
- Total interior livable area: 996 sqft
Kitchen
- Level: Main
- Area: 83.84
Living Room
- Level: Main
- Area: 165.802
Master Bedroom
- Level: Main
- Area: 140.29999999999998
Property
Details
- Parcel number: 171355
- Zoning: A
- Special condition: Standard
Features
- Levels: One and One Half
- Stories: 1
- Patio & porch: Deck-Covered-Front
- Exterior features: Kennel
- Has view: Yes
- View description: Mountain(s)
- Horses can be raised: Yes
Lot
- Lot size: 35 Acres
- Features: Horses Allowed,Irregular Lot
- Lot size dimensions: 1000 x 1524.59
Parking
- Parking features: RV Access/Parking,No Garage
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
- Winter Weather
- Hail
- Wildfire
- Inland Flooding
- Strong Wind
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 | $2,472 | $29,664 |
| Home Insurance * | $471 | $5,652 |
| Property Taxes | $126 | $1,512 |
| Electricity | $186 | $2,232 |
| Total | $3,255 | $39,060 |
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 |
|---|---|---|
| 2026-03-19 | Listed for sale | $499,000 |
| 2026-02-10 | Pending sale | $499,000 |
| 2026-02-07 | Listed for sale | $499,000 |
| 2020-06-25 | Sold | $223,500 |
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