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1984 J Rd, Fruita, CO, 81521

5beds
4baths
3,479sqft
$1,000,000
$287price/sqft
$5,879/moest. monthly cost
$235,160/yrincome needed

About This Home

**Open House Saturday 8/1/26 1-3pm** Discover this custom 5-bedroom, 4-bath ranch-style home featuring a fully independent studio apartment. Situated on 2 full acres, this property offers both space and flexibility. Complete with a large 3-car garage and plenty of room to expand. The ADU offers complete privacy with its own entrance, kitchenette, full bathroom, and dedicated laundry, creating a turnkey opportunity for rental income, multigenerational living, a private guest retreat, home office, or caretaker quarters. Step inside to find refined craftsmanship and luxury finishes including hardwood floors, intricate stone and tile work, and expansive windows framing your views of the Bookcliffs. The open-concept living area centers around a cozy gas fireplace and flows into the chef's kitchen, complete with a large granite island and prep sink, gas range, double ovens, and generous bar seating for entertaining. Dine in the formal dining room or unwind on the expansive back patio. Outside, the spacious backyard is a blank canvas ready for your imagination. Create a lush garden, build a garage or workshop, keep animals, store RVs or toys, or design your dream outdoor entertaining area. Enjoy the privacy, flexibility, and freedom of this fully fenced property while remaining just minutes from everything Fruita has to offer.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

7/10
6/10
Fruita 8/9 SchoolGrades 8-91.4 mi
7/10

Construction

Condition

  • Year built: 2007

Materials

  • Foundation: Stem Wall
  • Roof: Asphalt,Composition
  • Construction materials: Stone,Stucco,Wood Frame

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Refrigerator
  • Laundry features: Washer Hookup,Dryer Hookup

Basement

  • Basement: Crawl Space

Bedroom2

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4

Dining Room

  • Level: Main
  • Dimensions: 14x11

Family Room

  • Level: Main
  • Dimensions: N/A

Features

  • Separate/Formal Dining Room,Main Level Primary,Walk-In Closet(s),Programmable Thermostat
  • Window features: Low-Emissivity Windows
  • Flooring: Hardwood
  • Fireplace features: Gas Log,Living Room
  • Fireplace: Yes

Heating & Cooling

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

Interior Area

  • Total structure area: 3,479
  • Total interior livable area: 3,479 sqft

Kitchen

  • Level: Main
  • Dimensions: 15x12

Laundry

  • Level: Main
  • Dimensions: 8x7

Living Room

  • Level: Main
  • Dimensions: 20.4x20

Master Bedroom

  • Level: Main
  • Dimensions: 16.6x11.8

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 269715403003
  • Zoning description: 475x180

Features

  • Stories: 1
  • Patio & porch: Open,Patio
  • Exterior features: Sprinkler/Irrigation
  • Fencing: Full,Privacy

Lot

  • Lot size: 2 Acres
  • Features: Landscaped
  • Lot size dimensions: 475 x 180

Parking

  • Total spaces: 3
  • Parking features: Attached,Garage,RV Access/Parking
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Drought
    DroughtRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Landslide
    LandslideRelatively High
  • Avalanche
    AvalancheModerate
  • Cold Wave
    Cold WaveModerate
  • Earthquake
    EarthquakeModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Drought
Inland Flooding
Landslide
Avalanche
Cold Wave
Earthquake
Wildfire
Winter Weather

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 $5,056$60,672
Home Insurance *$245$2,940
Property Taxes $316$3,792
Electricity $262$3,151
Total$5,879$70,548
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$201,565/yr
40% on housing$176,370/yr
45% on housing$156,773/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: 13.1%
13.1%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 2.9%
2.9%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$287This listing

vs Other Active Listings

Avg $/sqft

ZIP 81521$207
Mesa County$236

vs Homes Sold Last Month

Median $/sqft

ZIP 81521$295
Mesa County$263

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
2026-07-30Price change$1,000,000
2026-07-06Price change$1,075,000
2026-06-12Listed for sale$1,175,000
2026-04-28Listing removed$1,195,000
2026-01-13Listing removed$1,195,000
2025-11-13Price change$1,195,000
2025-10-30Listed for sale$1,290,000
2025-03-11Listing removed--
2025-03-08Listed for sale$1,400,000
2022-11-19Listing removed--
2021-01-05Pending sale$694,900
2020-09-02Listed for sale$694,900
2020-09-02Pending sale$694,900
2019-11-07Sold$660,000
2019-08-29Price change$677,700
2019-08-10Price change$694,500
2019-07-25Price change$694,900
2019-07-05Price change$695,000
2019-05-29Price change$699,900
2019-05-17Price change$729,000
2019-04-21Price change$709,999
2019-03-09Listed for sale$729,999
2019-01-05Listing removed$719,900
2018-12-04Listed for sale$719,900
2015-05-04Sold$439,000
2013-06-28Sold$416,000
2007-09-11Sold$152,900

For Sale by Agent

AgentMATTHEW SANDOVAL
BrokerageKELLER WILLIAMS COLORADO WEST REALTY

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