See other homes in:
Primary listing photo
Listing photo 2
Listing photo 3
Listing photo 4
Listing photo 5

51978 Highway 13, Lay, CO, 81625

0beds
0baths
0sqft
$500,000
--price/sqft
$3,162/moest. monthly cost
$126,480/yrincome needed

About This Home

Silver Sage Ranch offers 240 +/- acres in northwest Colorado with Highway 13 frontage, combining agricultural value with development potential. Whether you're envisioning a private residence, a hunting basecamp, or a grazing operation for livestock, the ranch provides a flexible foundation with numerous ideal building sites while being situated in a convenient location!Of the deeded acreage, approximately 40 acres are dedicated to dryland alfalfa, while the remainder is composed of rolling terrain blanketed with sagebrush and native grasses. With nearly 2 miles of frontage along Highway 13, the property features multiple access points and year-round convenience. Power runs parallel to the highway, adding value for future residential or operational development. The property also borders BLM land on its northern edge, expanding its use potential even further. Situated in GMU 4, Silver Sage Ranch lies directly within a key elk migration corridor, offering ample hunting opportunities throughout multiple seasons. In addition to elk, the property and surrounding area supports healthy populations of mule deer and antelope year-round. Outdoor enthusiasts will appreciate the direct access to thousands of acres of public BLM and National Forest nearby. Enjoy a variety of activities including hiking, ATV riding, and horseback riding along an extensive network of trails, fishing in alpine lakes and mountain streams, camping, or even just exploring the never ending natural beauty of the expansive mountains. During the winter months, world-renowned Steamboat Springs is just over an hour away, offering skiing and snowboarding in its famous Champagne Powder snow. The nearby National Forest also provides excellent snowmobiling through the winter, and is just a stones throw away! Silver Sage Ranch enjoys a convenient location in northwestern Colorado, just under 30 minutes north of Craig, the region's hub for shopping, dining, fuel, and healthcare. Baggs, Wyoming is also within easy reach, less than 20 minutes to the north. For a broader range of entertainment and recreation, Steamboat Springs is about 1 hour and 15 minutes southeast of the ranch, known for its vibrant downtown, natural hot springs, and year-round outdoor activities. Air travel is also easily accessible, with the Yampa Valley Regional Airport located in Hayden, offering daily commercial flights and convenient regional connections. The ranch offers the perfect balance of accessibility with a remote, scenic setting that remains close to key regional destinations.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

6/10
Sunset Elementary SchoolGrades K-516.9 mi
5/10
Craig Middle SchoolGrades 6-816.6 mi
4/10
Moffat County High SchoolGrades 9-1216.7 mi

Construction

Type & Style

  • Home type: SingleFamily
  • Property subType: Farm

Interior

Features

  • Finished area above ground: 0

Interior Area

  • Total structure area: 0

Property

Details

  • Parcel number: 40501100031
  • Lease amount: 0

Features

  • Frontage length: 0

Lot

  • Lot size: 240 Acres

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Landslide
    LandslideRelatively High
  • Wildfire
    WildfireRelatively High
  • Drought
    DroughtModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Winter Weather
Inland Flooding
Landslide
Wildfire
Drought
Lightning

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 $2,528$30,336
Home Insurance *$232$2,784
Property Taxes $216$2,592
Electricity $186$2,232
Total$3,162$37,944
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$108,411/yr
40% on housing$94,860/yr
45% on housing$84,320/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: 12.4%
12.4%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: -1.5%
-1.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 81625$219
Moffat County$220

vs Homes Sold Last Month

Median $/sqft

ZIP 81625$178
Moffat County$159

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)

No zestimate history available

Price History

DateEventPrice
2026-01-10Listed for sale$500,000

For Sale by Agent

AgentLonnie Gustin
BrokerageHayden Outdoors Real Estate

Similar Homes