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97 Horseshoe Circle, Pagosa Springs, CO, 81147

4beds
3baths
2,479sqft
$714,000
$288price/sqft
$4,351/moest. monthly cost
$174,040/yrincome needed

About This Home

Set on 0.86 acres and framed by sweeping MOUNTAIN VIEWS, this exceptional property offers a rare blend of sophistication, comfort, and thoughtful design. From the moment you enter, the home distinguishes itself with beautifully curated updates and a seamless open-concept layout that effortlessly connects the kitchen, dining, and living spaces. The kitchen is truly the centerpiece—both striking and functional—featuring an impressive, single-slab granite island that invites gathering and elevates everyday living. The main-level primary suite provides a private and convenient retreat, while the upper-level hosts three additional bedrooms. Two are generously proportioned with walk-in closets and ample space for king-size accommodations, while the third offers flexibility as an intimate bedroom or refined home office. A partially finished attic provides an additional storage area. Just beyond the main living area, a porch reveals breathtaking panoramic views—an idyllic setting for both quiet moments and elegant entertaining. The fully fenced backyard enhances usability. The property includes a substantial 12x16 shed designed to accommodate a side-by-side or additional storage needs. This is a truly remarkable property that must be experienced to be fully appreciated.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

9/10
6/10

Construction

Condition

  • Year built: 2000

Materials

  • Roof: Metal
  • Construction materials: Wood,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch,Farm House
  • Property subType: Stick Built

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Range Top,Range,Refrigerator,Washer
  • Laundry features: W/D Hookup

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

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

Cooling

  • Cooling features: Ceiling Fan(s)

Dining Room

  • Features: Eat-in Kitchen,Kitchen Bar,Kitchen/Dining

Features

  • Ceiling Fan(s),Vaulted Ceiling(s),Granite Counters,Pantry,Walk-In Closet(s)
  • Window features: Window Coverings,Double Pane Windows
  • Flooring: Carpet-Partial,Hardwood,Vinyl
  • Fireplace features: Living Room,Wood Burning Stove,Wood Stove
  • Fireplace: Yes
  • Attic: Partially Finished

Interior Area

  • Total structure area: 2,479
  • Total interior livable area: 2,479 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 55833631313001
  • Zoning description: Residential Single Family

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Patio
  • Exterior features: Landscaping
  • Has view: Yes
  • View description: Mountain(s)

Lot

  • Lot size: 0.86 Acres
  • Features: Corner Lot

Parking

  • Total spaces: 2
  • Parking features: Attached Garage,Garage Door Opener
  • 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
  • Wildfire
    WildfireRelatively High
  • Winter Weather
    Winter WeatherRelatively High

How This Home’s Risks Compare

Lightning
Wildfire
Winter Weather

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 $3,610$43,320
Home Insurance *$198$2,376
Property Taxes $356$4,272
Electricity $187$2,245
Total$4,351$52,212
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$149,177/yr
40% on housing$130,530/yr
45% on housing$116,026/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: 15.2%
15.2%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 6.3%
6.3%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$288This listing

vs Other Active Listings

Avg $/sqft

ZIP 81147$294
Archuleta County$300

vs Homes Sold Last Month

Median $/sqft

ZIP 81147
Archuleta County$368

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
2026-04-01Listed for sale$785,999
2018-03-31Listing removed$409,000
2018-03-31Listed for sale$409,000
2018-03-26Sold$405,000
2018-02-01Pending sale$409,000
2018-01-19Price change$409,000
2017-10-31Price change$419,000
2017-09-29Price change$425,000
2017-09-14Price change$439,000
2017-08-11Listed for sale$459,000
2011-05-09Listing removed$369,900
2011-02-24Listed for sale$369,900

For Sale by Agent

AgentStephanie Yates
BrokerageSherpa Real Estate

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