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60 Clover Lane, Pagosa Springs, CO, 81147

4beds
3baths
2,962sqft
$895,000
$302price/sqft
$5,210/moest. monthly cost
$208,400/yrincome needed

About This Home

Live the Mountain Lifestyle You’ve Been Dreaming Of. If you’re looking for space, views, and the freedom to live your way—this one has it all. This beautifully updated home offers nearly 3,000 square feet of comfortable living space on over 3 lush, fenced acres, bordered by 10 acres of greenbelt for added privacy and room to roam. Whether you're into horses, multi-generational living, or just want elbow room and fresh air, this property checks all the boxes. The home features a light-filled layout with a main-floor primary suite (with its own deck access!), a full bedroom and bathroom on each level, plus a large flex space that could serve as an office, gym, or guest overflow. The kitchen is warm and welcoming, with a full pantry, sliding doors to the expansive covered Trex deck, and cozy in-floor heating. Radiant baseboard heat keeps the rest of the home comfortable all winter long. The fully finished lower level includes a separate apartment with its own entrance—perfect for guests, rental income, or multi-gen living. Outside, enjoy your own park-like setting with mature landscaping, pasture space, and stunning mountain views of the east range of the San Juans. A 3-stall horse barn with power and water is ready for your equestrian needs, and the asphalt driveway makes year-round access a breeze. Other highlights include: ? New paint & appliances ? Hardwood floors ? Minimal covenants ? Close-to-town convenience ? Expansive covered decking for outdoor living Whether you're dreaming of a 4-H lifestyle, multi-family flexibility, or simply want a beautiful mountain home to gather friends and family—this property delivers.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

9/10
6/10

Construction

Condition

  • Year built: 2003

Materials

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

Type & Style

  • Home type: SingleFamily
  • Architectural style: Raised Ranch
  • Property subType: Stick Built

Interior

Appliances

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

Basement

  • Has basement: Yes
  • Basement: Finished

Bedrooms & Bathrooms

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

Dining Room

  • Features: Separate Dining

Features

  • Vaulted Ceiling(s),Pantry
  • Flooring: Hardwood,Laminate,Tile
  • Fireplace features: Living Room,Wood Stove
  • Fireplace: Yes

Interior Area

  • Total structure area: 2,962
  • Total interior livable area: 2,962 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 570131206005
  • Zoning description: Residential Single Family

Features

  • Patio & porch: Covered Porch,Deck
  • Exterior features: Landscaping
  • Has view: Yes
  • View description: Mountain(s),Valley
  • Horses can be raised: Yes

Lot

  • Lot size: 3.58 Acres
  • Features: Adj to Greenbelt,Pasture

Parking

  • Total spaces: 2
  • Parking features: Detached Garage
  • 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 FloodingVery High
  • Lightning
    LightningVery High
  • Wildfire
    WildfireVery High
  • Winter Weather
    Winter WeatherRelatively High
  • Landslide
    LandslideModerate

How This Home’s Risks Compare

Inland Flooding
Lightning
Wildfire
Winter Weather
Landslide

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 $4,525$54,300
Home Insurance *$248$2,976
Property Taxes $214$2,568
Electricity $223$2,683
Total$5,210$62,520
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$178,628/yr
40% on housing$156,300/yr
45% on housing$138,933/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

$302This listing

vs Other Active Listings

Avg $/sqft

ZIP 81147$293
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)

No zestimate history available

Price History

DateEventPrice
2025-10-03Price change$895,000
2025-07-12Listed for sale$925,000
2022-12-02Sold$619,000
2022-10-10Contingent$639,999
2022-08-03Price change$639,999
2022-07-17Price change$675,000
2022-06-18Listed for sale$695,000
2005-09-29Sold$289,900

For Sale by Agent

AgentHeather Simpson, ENGEL & VOLKERS Pagosa Springs
BrokerageENGEL & VOLKERS Pagosa Springs

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