22690 Highway 69, Gardner, CO, 81040
About This Home
Nestled on just under 68 acres of secluded Colorado mountain landscape, this unique property offers surrounding mountain views, privacy, and easy year-round access off a State-maintained highway. The thoughtfully designed earth-berm home provides exceptionally insulated, economical living with 2 bedrooms, 2 baths, and an open loft that can flex as a studio, office, guest space, or creative retreat. Multiple outbuildings enhance the property's versatility, including a lean-to with storage, a shed/shop with a front deck, a greenhouse for extended growing seasons, and a charming custom cottage-style chicken coop. Located in renowned Hunting Area 84 GMU, the Gardner area land is rich with elk, deer, turkey, and a variety of native Colorado wildlife, making it a dream for outdoor enthusiasts. With no HOA or covenants, the possibilities are wide open--whether you envision a small ranch, a secluded mountain getaway, or a cozy, efficient year-round home, this one is a must see!
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2013
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Basement
- Basement: None
Bedroom2
- Level: Main
- Area: 128.76
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
- 3/4 bathrooms: 1
- Main level bedrooms: 2
Dining Room
- Area: 136.58999999999997
Family Room
- Level: Upper
- Area: 214.10999999999999
Features
- Ceiling Fan(s),Vaulted Ceiling(s)
- Flooring: Hardwood,Tile
- Number of fireplaces: 1
- Fireplace: Yes
Interior Area
- Total structure area: 1,728
- Total interior livable area: 1,728 sqft
Kitchen
- Level: Main
- Area: 133.10999999999999
Living Room
- Level: Main
- Area: 211.45833333333334
Master Bedroom
- Level: Main
- Area: 263.16
Property
Details
- Zoning: AGR
- Special condition: Standard
Features
- Levels: One and One Half
- Stories: 1
- Patio & porch: Porch-Open-Front
- Fencing: Metal Fence-Front
- Has view: Yes
- View description: Mountain(s)
- Horses can be raised: Yes
Lot
- Lot size: 67.95 Acres
- Features: Horses Allowed
- Lot size dimensions: 0
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
- Winter Weather
- Hail
- Wildfire
- Inland Flooding
- Strong Wind
How This Home’s Risks Compare
FEMA Declared Disasters Across Colorado Counties
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,017 | $24,204 |
| Home Insurance * | $385 | $4,620 |
| Property Taxes | $103 | $1,236 |
| Electricity | $186 | $2,232 |
| Total | $2,691 | $32,292 |
Income You'd Need if You Spent...
Colorado FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-22 | Price change | $399,000 |
| 2026-06-12 | Price change | $449,000 |
| 2026-05-26 | Listed for sale | $475,000 |
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