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1225 N 4th St, Berthoud, CO, 80513

3beds
2baths
1,316sqft
$487,400
$370price/sqft
$3,052/moest. monthly cost
$122,080/yrincome needed

About This Home

Meticulously maintained ranch home has been loved and cared for, and it shows! Roomy Living Room with gorgeous sand stone fireplace, will keep you cozy on chilly nights. The Kitchen has been recently updated and includes beautiful Hickory Cabinets and Stainless-Steel Appliances. The garage was converted into a wonderful, large family room with French Doors entering out to the private backyard with Pergola and large back patio enjoy the quiet Summer evenings. Perennials, trees and flowers abound in this private setting with a tall privacy fence to enjoy your grounds all year long. The three bedrooms on the main floor make for easy living with no stairs for the utmost in comfort. Updated bathrooms give this home a modern feel and the multitude of windows bring in the natural light to the open and airy floorplan. Long driveway can accommodate the largest trucks. Home has been reverse wired to accommodate a generator, which is negotiable, and would be perfect in case of power shut offs. Close to Parks and Schools. There are so many thoughtful touches that make this home special and add to the fact that there is no HOA or Metro district to worry about makes this home the ultimate in small town living.

Getting Around

32
WalkingCar-Dependent
0
TransitVery Limited Transit
34
BikeSomewhat Bikeable

Schools

7/10
5/10
Turner Middle SchoolGrades 6-80.6 mi
7/10
Berthoud High SchoolGrades 9-121.2 mi

Construction

Condition

  • Year built: 1965

Materials

  • Roof: Composition
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Range,Self Cleaning Oven,Dishwasher,Refrigerator,Washer,Dryer,Microwave,Trash Compactor,Disposal
  • Laundry features: Washer/Dryer Hookup

Basement

  • Basement: None

Bedroom2

  • Level: Main
  • Area: 90
  • Dimensions: 10 x 9

Bedroom3

  • Level: Main
  • Area: 130
  • Dimensions: 13 x 10

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 88
  • Dimensions: 11 x 8

Family Room

  • Level: Main
  • Area: 210
  • Dimensions: 10 x 21

Features

  • Eat-in Kitchen,Open Floorplan
  • Door features: French Doors
  • Window features: Window Coverings
  • Fireplace features: Insert,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,316

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air,Ceiling Fan(s),Attic Fan

Interior Area

  • Total structure area: 1,316
  • Total interior livable area: 1,316 sqft

Kitchen

  • Level: Main
  • Area: 96
  • Dimensions: 12 x 8

Laundry

  • Level: Main
  • Area: 50
  • Dimensions: 5 x 10

Living Room

  • Level: Main
  • Area: 195
  • Dimensions: 13 x 15

Primary Bedroom

  • Features: Shared Primary Bath
  • Level: Main
  • Area: 117
  • Dimensions: 13 x 9

Property

Details

  • Parcel number: R0477508
  • Zoning: Res
  • Special condition: Private Owner
  • Exclusions: All hanging lamps,all Clocks,outdoor swing in side yard,all items in yard i.e. deer statues,elephant lawn ornaments,wagon wheels,buckboard and horses,whirligigs,and any ornamentation on sheds and fences. Sellers personal furniture and items. Reverse wire Generator is negotiable.

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio
  • Exterior features: Sprinkler System
  • Fencing: Partial,Fenced,Wood

Lot

  • Lot size: 6,699 sqft
  • Features: Evergreen Trees,Deciduous Trees,Level

Parking

  • Parking features: None

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
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Strong Wind
    Strong WindModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Cold Wave
Hail
Winter Weather
Strong Wind
Tornado

FEMA Declared Disasters Across Colorado Counties

Fire

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 $2,464$29,568
Home Insurance *$191$2,292
Property Taxes $211$2,532
Electricity $186$2,232
Total$3,052$36,624
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$104,640/yr
40% on housing$91,560/yr
45% on housing$81,386/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: 15.3%
15.3%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.2%
3.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$370This listing

vs Other Active Listings

Avg $/sqft

ZIP 80513$293
Larimer County$232

vs Homes Sold Last Month

Median $/sqft

ZIP 80513$205
Larimer County$250

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
2026-05-01Listed for sale$524,900

For Sale by Agent

AgentKathleen Gruman
BrokerageRE/MAX Alliance-Loveland

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