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

530 Silver Street, Lake City, CO, 81235

4beds
3baths
2,151sqft
$745,000
$346price/sqft
$4,371/moest. monthly cost
$174,840/yrincome needed

About This Home

Step into timeless charm with this absolutely stunning Victorian home in the heart of Lake City. It is commonly known as the “Bonnie Rose," and a highly popular short-term rental. This home blends historic character with thoughtful updates, offering warmth, elegance, and functionality throughout. From the moment you enter, you’ll be captivated by the gorgeous wood floors and a light-filled living room anchored by a statement chandelier that adds a touch of sophistication and charm. The updated kitchen features crisp white cabinetry, a new oven/range, and hood—perfectly balancing modern convenience with the home’s historic appeal. The main level offers a convenient primary bedroom with a private ensuite bathroom, along with an additional bedroom and guest bathroom. Upstairs, you’ll find three more bedrooms and a ¾ bath, providing flexible space for guests, family, or a home office setup. Some of the historic bedrooms may be nonconforming and may not include traditional closet space, but offer ample room for an armoire or dresser. Outside, enjoy a large yard space perfect for entertaining and spending time with friends and family, all while surrounded by the beauty of the mountains. This is a rare opportunity to own a truly unique and beautifully preserved home that captures the essence of Lake City living—where historic charm and outdoor lifestyle come together seamlessly. Your dream Victorian home in the mountains awaits—where timeless charm meets endless outdoor adventure. Ideally located in the heart of Lake City, you’ll enjoy immediate access to hiking, biking, hunting, fishing, ATV riding, and nearby Lake San Cristobal, making this the perfect basecamp for year-round Colorado living. Buyer to verify all square footage.

Getting Around

44
WalkingCar-Dependent
0
TransitVery Limited Transit
52
BikeBikeable

Schools

--
Lake City Community SchoolGrades PK-120.1 mi

Construction

Condition

  • Year built: 1892

Materials

  • Roof: Asphalt,Architectural Shingles
  • Construction materials: Wood,Wood Siding

Type & Style

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

Interior

Appliances

  • Appliances included: Range Top,Refrigerator,Dishwasher,Washer,Dryer,Exhaust Fan

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Features

  • Part Furnished
  • Window features: Double Pane Windows
  • Flooring: Hardwood,Tile

Interior Area

  • Total structure area: 2,151
  • Total interior livable area: 2,151 sqft

Property

Details

  • Parcel number: 450927313011
  • Zoning description: Residential Single Family

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered Porch
  • Has view: Yes
  • View description: Mountain(s)

Lot

  • Lot size: 0.36 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

  • Lightning
    LightningVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Inland Flooding
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 $3,767$45,204
Home Insurance *$195$2,340
Property Taxes $223$2,676
Electricity $186$2,232
Total$4,371$52,452
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$149,862/yr
40% on housing$131,130/yr
45% on housing$116,560/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: 2.5%
2.5%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$346This listing

vs Other Active Listings

Avg $/sqft

ZIP 81235$808
Hinsdale County$727

vs Homes Sold Last Month

Median $/sqft

ZIP 81235
Hinsdale County$309

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
2026-04-01Listed for sale$742,095

For Sale by Agent

AgentKelsey Loftis, Crystal Peak Properties
BrokerageCrystal Peak Properties

Similar Homes