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850 S Overland Trail #2, Fort Collins, CO, 80521

3beds
3baths
1,466sqft
$425,000
$290price/sqft
$2,700/moest. monthly cost
$108,000/yrincome needed

About This Home

Tucked into one of Northwest Fort Collins' most coveted settings, this rare end-unit townhome offers an exceptional blend of luxury, privacy, and access to the outdoors. Perfectly positioned just minutes from Horsetooth Reservoir and only five minutes from the vibrant energy of downtown, this home places you at the center of everything while still feeling like a private retreat. Endless trails for hiking, biking, and running are literally at your doorstep, and you are just a short ride from Colorado State University, with top-rated schools, parks, shops, and dining all nearby. Inside, the thoughtfully updated home features elevated modern finishes, with rich hardwood flooring flowing through the main living spaces anchored by a cozy fireplace. The fully renovated kitchen is both functional and refined, boasting Butcher Block countertops, abundant cabinetry, and stainless steel appliances. Upstairs, the expansive primary suite is a true sanctuary highlighted by vaulted ceilings and a beautifully upgraded ensuite bath, and every detail has been carefully curated with new fixtures, fresh paint, new windows, and major system upgrades including A/C for turnkey convenience. One of the home's most desirable features is its private yard—an uncommon find for townhome living—paired with a spacious patio that captures breathtaking foothills views through a large sliding door, creating seamless indoor-outdoor living. Additional highlights include a large two-car attached garage and an HOA that covers trash, snow removal, lawn care, and exterior maintenance, simplifying your lifestyle. For CSU students this is a smart investment opportunity, a spacious, move-in ready home just a short ride from campus while holding excellent long-term value beyond graduation. This is a rare opportunity to own a refined foothills property that combines natural beauty, modern upgrades, and an unbeatable location—delivering the very best of Colorado living.

Getting Around

21
WalkingCar-Dependent
31
TransitSome Transit
66
BikeBikeable

Schools

8/10
Bauder Elementary SchoolGrades PK-51.0 mi
5/10
Lincoln Middle SchoolGrades 6-82.1 mi
7/10
Poudre High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 1999

Materials

  • Roof: Composition
  • Construction materials: Frame

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Oven,Range,Refrigerator,Washer

Bathroom

  • Level: Main

Bathroom

  • Level: Upper

Bathroom

  • Features: En Suite Bathroom
  • Level: Upper

Bedroom

  • Level: Upper

Bedroom

  • Features: Primary Suite
  • Level: Upper

Bedroom

  • Level: Upper

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main

Features

  • Ceiling Fan(s),High Ceilings,Smoke Free,Walk-In Closet(s)
  • Window features: Double Pane Windows
  • Flooring: Carpet
  • Fireplace features: Gas
  • Fireplace: Yes
  • Finished area above ground: 1,466
  • Common walls with other units/homes: End Unit,1 Common Wall

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,466
  • Total interior livable area: 1,466 sqft

Kitchen

  • Level: Main

Laundry

  • Level: Upper

Living Room

  • Level: Main

Property

Details

  • Parcel number: R1589441
  • Attached to another structure: Yes
  • Zoning: LMN
  • Special condition: Standard
  • Exclusions: Personal Property

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Ground
  • Patio & porch: Covered,Patio
  • Exterior features: Rain Gutters
  • Has view: Yes
  • View description: Mountain(s)

Lot

  • Lot size: 7,405 sqft
  • Features: Landscaped,Open Space,Sprinklers In Front

Parking

  • Total spaces: 2
  • Parking features: Concrete,Dry Walled,Floor Coating
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate

How This Home’s Risks Compare

Lightning
Winter Weather
Cold Wave
Hail

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 $2,149$25,788
Home Insurance *$181$2,172
Property Taxes $184$2,208
Electricity $186$2,232
Total$2,700$32,400
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$92,571/yr
40% on housing$81,000/yr
45% on housing$72,000/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

$290This listing

vs Other Active Listings

Avg $/sqft

ZIP 80521$218
Larimer County$232

vs Homes Sold Last Month

Median $/sqft

ZIP 80521$325
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
2026-06-19Listed for sale$425,000
2022-01-27Sold$371,000
2022-01-11Listed for sale$355,000

For Sale by Agent

AgentFrank Griffin
BrokerageFlat Rate Realty Group LLC

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