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1441 Forest Road 507 1A, Creede, CO, 81130

4beds
2baths
2,636sqft
$1,349,000
$512price/sqft
$8,164/moest. monthly cost
$326,560/yrincome needed

About This Home

Miner Creek Retreat offers rare privacy, year-round creek frontage, and a well-built mountain home in a setting surrounded by U.S. Forest Service land. Set on a 10± acre patented mining claim up Rat Creek near Miners Creek, the property sits at the end of the road with very little traffic yet remains only about 15 minutes from Creede. The home includes approximately 3,000± square feet, 4 bedrooms, and 2 bathrooms with a thoughtful split-level layout that works well for full-time living, family use, or hosting guests. Built in the early 2000s with significant owner involvement, the home carries a more refined mountain feel than many cabins in the area, and that owner involvement shows up in the craftsmanship and character of the place. There is also a detached studio retreat adds flexibility and character, complete with a wood-burning stove, hot tub, and yoga platform overlooking the creek. Rat Creek runs through the property year-round, bringing live water, sound, and a strong sense of place to the setting. The off-grid solar system is approximately six years old and offers independence without giving up modern function. Access is seasonal in heavier snow years, when snowmobile access may be necessary, though recent winters have allowed vehicle access. That is part of mountain ownership, and here it comes with the reward of being surrounded by National Forest and immediate access to hiking, wildlife, and recreation. The property is private in the truest sense, with room to breathe and a setting that feels protected by the surrounding public land rather than crowded by it. Miner Creek Retreat is well suited for a private mountain getaway, an off-grid residence, or a long-term San Juan legacy property. It is the kind of place that offers real seclusion, strong improvements, and a setting that stays with you.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
12
BikeSomewhat Bikeable

Schools

--
Creede SchoolGrades PK-122.1 mi

Construction

Condition

  • Year built: 2002

Materials

  • Roof: Metal
  • Construction materials: Wood Frame,Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Stick Built

Interior

Appliances

  • Appliances included: Disposal,Dryer,Microwave,Oven-Wall,Range Top,Range,Refrigerator,Washer
  • Laundry features: W/D Hookup

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: Eat-in Kitchen

Features

  • Cathedral Ceiling(s),Ceiling Fan(s),Vaulted Ceiling(s),Granite Counters
  • Window features: Double Pane Windows
  • Flooring: Tile
  • Fireplace features: Den/Family Room,Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Wood Stove
  • Cooling features: Ceiling Fan(s)

Interior Area

  • Total structure area: 2,636
  • Total interior livable area: 2,636 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 476327300017
  • Zoning description: Residential Single Family

Features

  • Levels: One and One Half
  • Stories: 1
  • Has view: Yes
  • View description: Mountain(s),Valley
  • Horses can be raised: Yes

Lot

  • Lot size: 10 Acres
  • Features: Borders National Forest

Parking

  • Total spaces: 2
  • Parking features: Attached Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
  • Inland Flooding
    Inland FloodingRelatively High
  • Avalanche
    AvalancheModerate
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Inland Flooding
Avalanche
Landslide
Wildfire
Winter Weather

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 $6,821$81,852
Home Insurance *$775$9,300
Property Taxes $370$4,440
Electricity $198$2,387
Total$8,164$97,968
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$279,908/yr
40% on housing$244,920/yr
45% on housing$217,706/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: 5.0%
5.0%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: -0.5%
-0.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$512This listing

vs Other Active Listings

Avg $/sqft

ZIP 81130$236
Mineral County$246

vs Homes Sold Last Month

Median $/sqft

ZIP 81130
Mineral County$257

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
2026-05-24Listed for sale$1,349,000
2026-01-01Listing removed$1,400,000
2025-05-23Listed for sale$1,400,000

For Sale by Agent

AgentChase Girard
BrokerageM4 Ranch Group, LLC

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