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314 E 1st Street, Oak Creek, CO, 80467

2beds
2baths
980sqft
$250,000
$255price/sqft
$1,613/moest. monthly cost
$64,520/yrincome needed

About This Home

Located in the heart of Oak Creek, 314 E. 1st Street offers an affordable opportunity to own both a charming home and the land it sits on in a scenic Colorado mountain community. This inviting 2-bedroom, 1.5-bath residence features approximately 980 square feet of comfortable living space situated on a .14 acre lot, providing valuable ownership, privacy, and long-term investment potential. The property combines practicality, convenience, and the freedom of true real property ownership with no HOA restrictions. Enter the home through a spacious mudroom that opens to a warm and welcoming living area highlighted by a cozy pellet stove that adds character and energy-efficient comfort during the winter months. The functional eat-in kitchen includes a gas cooktop, dishwasher, microwave, refrigerator, and generous cabinet space, while laminate and carpet flooring throughout create a comfortable and low-maintenance interior. Outside, the sale includes the fully owned lot, offering ample outdoor space for parking, recreation, gardening, pets, or future improvements. The property also includes valuable off-street parking, an oversized 2 car detached garage that features a pellet stove and air conditioning unit to keep it a perfect temperature all year around, with alley access, and an additional storage shed—ideal for vehicles, tools, and mountain recreation equipment. Conveniently located near local amenities and within easy driving distance of Steamboat Springs, Stagecoach Reservoir, and the Vail Valley corridor, this property presents an excellent opportunity for a primary residence, vacation retreat, or investment property. With both the home and land included in the sale, 314 E. 1st Street delivers the rare combination of affordability, flexibility, and authentic Colorado mountain living.

Getting Around

35
WalkingCar-Dependent
0
TransitVery Limited Transit
18
BikeSomewhat Bikeable

Schools

5/10
10/10
Soroco Middle SchoolGrades 6-80.3 mi
10/10
Soroco High SchoolGrades 9-120.3 mi

Construction

Condition

  • Property condition: Resale
  • Year built: 1975

Materials

  • Roof: Metal
  • Construction materials: Other,See Remarks

Type & Style

  • Home type: MobileManufactured
  • Architectural style: Mobile Home
  • Property subType: Manufactured Home,Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Freezer,Gas Cooktop,Microwave,Refrigerator,Range Hood,Some Electric Appliances,Dryer,Washer

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 1
  • 1/2 bathrooms: 1

Features

  • Ceiling Fan(s),Eat-in Kitchen,Primary Suite,See Remarks
  • Flooring: Carpet,Laminate

Heating

  • Heating features: Forced Air,Propane,Pellet Stove

Interior Area

  • Total interior livable area: 980 sqft

Property

Details

  • Parcel number: R6836225
  • Zoning description: Single Family
  • Exclusions: Do Not Know

Features

  • Levels: One

Lot

  • Lot size: 6,098 sqft
  • Features: City Lot

Parking

  • Total spaces: 2
  • Parking features: Detached,Garage,Off Street
  • 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

  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Avalanche
    AvalancheModerate
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Winter Weather
Avalanche
Landslide
Wildfire

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 $1,264$15,168
Home Insurance *$105$1,260
Property Taxes $58$696
Electricity $186$2,232
Total$1,613$19,356
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$55,302/yr
40% on housing$48,390/yr
45% on housing$43,013/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: 17.0%
17.0%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 6.6%
6.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$255This listing

vs Other Active Listings

Avg $/sqft

ZIP 80467$288
Routt County$785

vs Homes Sold Last Month

Median $/sqft

ZIP 80467$438
Routt County$532

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
2026-07-22Price change$250,000
2026-06-24Price change$270,000
2026-05-18Price change$279,900
2026-04-02Price change$284,000
2025-11-27Listed for sale$295,000
2025-11-22Pending sale$295,000
2025-10-30Listed for sale$295,000

For Sale by Agent

AgentAli Moore
BrokerageTown & Country Properties

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