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139 N Willow St #A, Fruita, CO, 81521

4beds
2baths
1,570sqft
$435,000
$277price/sqft
$2,628/moest. monthly cost
$105,120/yrincome needed

About This Home

Great opportunity! Duplex on .20 of an acre lot. New roof, new evaporative coolers and unit "B" just got fresh paint, new carpet and is move -in-ready. Unit " A" is rented and very well maintained. This lot offers off street parking, street parking, alley access and storage sheds for extra stuff! Just 1 block from Aspen Ave. Check with City of Fruita about possibility of building additional unit(s) or zoning questions. Investment potential or live in one side and have tenant help pay your mortgage. This property offers location ( walking distance to shopping and more) ample parking, move in ready and income!

Getting Around

68
WalkingSomewhat Walkable
0
TransitVery Limited Transit
77
BikeVery Bikeable

Schools

5/10
4/10
Fruita Middle SchoolGrades 6-70.4 mi
7/10
Fruita Monument High SchoolGrades 10-121.4 mi

Construction

Condition

  • Year built: 1978

Materials

  • Foundation: Slab
  • Roof: Asphalt,Composition
  • Construction materials: Masonite,Wood Frame

Notable Dates

  • Major remodel year: 2026

Type & Style

  • Home type: MultiFamily
  • Architectural style: Ranch
  • Property subType: Duplex,Multi Family,Multi Family

Interior

Appliances

  • Appliances included: Dryer,Electric Oven,Electric Range,Refrigerator,Washer

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2

Features

  • Pantry,Window Treatments,Programmable Thermostat
  • Window features: Window Coverings
  • Flooring: Carpet,Tile,Vinyl

Heating & Cooling

  • Heating features: Baseboard,Hot Water,Natural Gas
  • Cooling features: Evaporative Cooling

Interior Area

  • Total structure area: 1,570
  • Total interior livable area: 1,570 sqft

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 269717217017
  • Attached to another structure: Yes
  • Zoning description: DMU

Features

  • Stories: 1
  • Patio & porch: Deck,Open
  • Exterior features: Shed

Lot

  • Lot size: 8,712 sqft
  • Features: Landscaped
  • Lot size dimensions: 60 x 140

Parking

  • Parking features: RV Access/Parking

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
  • Earthquake
    EarthquakeModerate
  • Inland Flooding
    Inland FloodingModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Earthquake
Inland Flooding
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 $2,199$26,388
Home Insurance *$106$1,272
Property Taxes $137$1,644
Electricity $186$2,232
Total$2,628$31,536
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$90,102/yr
40% on housing$78,840/yr
45% on housing$70,080/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: 13.1%
13.1%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 2.9%
2.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$277This listing

vs Other Active Listings

Avg $/sqft

ZIP 81521$209
Mesa County$236

vs Homes Sold Last Month

Median $/sqft

ZIP 81521$295
Mesa County$263

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
2026-03-09Listed for sale$445,000

For Sale by Agent

AgentLORI CHESNICK
BrokerageCHESNICK REALTY, LLC

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