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1120 Agate Lane, Poncha Springs, CO, 81242

3beds
3baths
1,695sqft
$609,000
$359price/sqft
$3,576/moest. monthly cost
$143,040/yrincome needed

About This Home

Step into this barely lived-in (2nd home) gem located in the heart of the growing and vibrant community of Poncha Springs. Designed for both comfort and convenience, this thoughtfully laid-out home features two spacious primary suites, each with mountain views and their own en suite bathroom, offering privacy and flexibility for guests. A third bedroom or main-level office provides even more functionality. Tall ceilings and abundant natural light create an airy, open feel throughout the home. The low-maintenance stucco exterior and xeriscaped yard mean you’ll spend less time on upkeep and more time enjoying the outdoors. A fully fenced backyard offers space to relax or entertain, while the detached one-stall garage with alley access and an additional parking stall provide ample parking and storage. Inside, the light-colored paint palette enhances the home's brightness and modern aesthetic. Located just one block from a park and within walking distance to a nearby gym, this home combines lifestyle and location. Poncha Springs is a gateway to adventure and one of Colorado's fastest-growing small towns, featuring amenities like a grocery store, hardware store, local pub, coffee shops, and a steakhouse. You’ll be just minutes from Monarch Ski Area, Arkansas River fishing and boating, and a vast network of mountain biking and hiking trails. This home is being offered fully furnished. Whether you're seeking a full-time residence, weekend getaway, or investment opportunity, this property offers a perfect blend of low-maintenance living and high-quality lifestyle in a truly unbeatable location. Check out the virtual tour video at book.emeraldrealestatemedia.com/1120Agate-Ln then call for an appointment!

Getting Around

24
WalkingCar-Dependent
0
TransitVery Limited Transit
50
BikeBikeable

Schools

9/10
4/10
Salida Middle SchoolGrades 5-83.9 mi
5/10
Salida High SchoolGrades 9-123.7 mi

Construction

Condition

  • Year built: 2021

Materials

  • Foundation: Concrete Perimeter
  • Roof: Membrane
  • Construction materials: Frame,Metal Siding,Stucco

Type & Style

  • Home type: Townhouse
  • Architectural style: Contemporary
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Oven,Refrigerator,Washer
  • Laundry features: In Unit

Basement

  • Basement: Crawl Space

Bathroom

  • Level: Main

Bathroom

  • Features: En Suite Bathroom
  • Level: Upper

Bathroom

  • Features: En Suite Bathroom
  • Level: Upper

Bedroom

  • Level: Main

Bedroom

  • Features: Primary Suite
  • Level: Upper

Bedroom

  • Level: Upper

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 1
  • 3/4 bathrooms: 2
  • Main level bathrooms: 1
  • Main level bedrooms: 1

Features

  • Ceiling Fan(s),Granite Counters,High Ceilings,Open Floorplan,Primary Suite,Smoke Free
  • Window features: Double Pane Windows,Window Coverings
  • Flooring: Carpet,Vinyl
  • Finished area above ground: 1,695
  • Common walls with other units/homes: End Unit,No One Above,No One Below,1 Common Wall

Great Room

  • Level: Main

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,695
  • Total interior livable area: 1,695 sqft

Kitchen

  • Level: Main

Property

Details

  • Parcel number: 380510100302
  • Attached to another structure: Yes
  • Zoning: T4 General Urban Zone
  • Special condition: Standard
  • Exclusions: Home Is Being Sold Furnished. Seller's Personal Property Is Excluded.

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Ground
  • Patio & porch: Patio
  • Exterior features: Private Yard
  • Fencing: Partial
  • Has view: Yes
  • View description: City,Mountain(s)

Lot

  • Lot size: 3,049 sqft
  • Features: Landscaped

Parking

  • Total spaces: 2
  • Parking features: Dry Walled,Lighted
  • 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

  • Inland Flooding
    Inland FloodingVery High
  • Lightning
    LightningVery High
  • Avalanche
    AvalancheRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Avalanche
Winter Weather
Hail
Landslide
Wildfire

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 $3,079$36,948
Home Insurance *$164$1,968
Property Taxes $147$1,764
Electricity $186$2,232
Total$3,576$42,912
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$122,605/yr
40% on housing$107,280/yr
45% on housing$95,360/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: 17.7%
17.7%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 10.8%
10.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$359This listing

vs Other Active Listings

Avg $/sqft

ZIP 81242$229
Chaffee County$337

vs Homes Sold Last Month

Median $/sqft

ZIP 81242—
Chaffee County$350

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
2026-04-01Price change$609,000
2025-09-21Listed for sale$627,000

For Sale by Agent

AgentCathy Chochon
BrokerageFull Circle Real Estate Group

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