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401 N 2nd St, La Junta, CO, 81050

2beds
1baths
714sqft
$189,500
$265price/sqft
$1,480/moest. monthly cost
$59,200/yrincome needed

About This Home

2 Homes on 1 Parcel -See also 115 Steen Avenue (MLS#239754). Whether you're looking to invest or offset your mortgage, this setup delivers. The 2 bed, 1 bath home is currently occupied, with a tenant who would love to stay. Opportunities like this don't come around often. Two properties, one price. Call for your tour today! Photos may include virtual staging or enhancements.

Getting Around

55
WalkingSomewhat Walkable
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

2/10
4/10
--
La Junta Primary SchoolGrades K-21.1 mi

Construction

Condition

  • Year built: 1898

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Basement

  • Basement: None

Bedroom2

  • Level: Main
  • Area: 150

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1
  • Main level bedrooms: 2

Features

  • New Paint,Walk-in Shower

Interior Area

  • Total structure area: 714
  • Total interior livable area: 714 sqft

Kitchen

  • Level: Main
  • Area: 77

Living Room

  • Level: Main
  • Area: 165

Master Bedroom

  • Level: Main
  • Area: 150

Property

Details

  • Parcel number: 464302301004
  • Zoning: C-1
  • Special condition: Standard

Features

  • Patio & porch: Porch-Open-Front,Porch-Side

Lot

  • Lot size: 5,227 sqft
  • Features: Corner Lot,Irregular Lot,Lawn-Front,Trees-Front

Parking

  • Parking features: No Garage

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
  • Strong Wind
    Strong WindVery High
  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Hail
    HailModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Winter Weather
Cold Wave
Inland Flooding
Hail
Tornado

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 $958$11,496
Home Insurance *$278$3,336
Property Taxes $58$696
Electricity $186$2,232
Total$1,480$17,760
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$50,742/yr
40% on housing$44,400/yr
45% on housing$39,466/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: 11.3%
11.3%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: -2.6%
-2.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$265This listing

vs Other Active Listings

Avg $/sqft

ZIP 81050$74
Otero County$78

vs Homes Sold Last Month

Median $/sqft

ZIP 81050
Otero County$95

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
2026-05-05Listed for sale$189,500

For Sale by Agent

AgentAngela Ayala
BrokerageREMAX PROPERTIES (2)

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