Lock in a 5.375% assumable VA loan and skip today's rates — a rare opportunity for qualified buyers to step into below-market financing on a genuine North Fork Valley hobby farm. (Not required to purchase, but a meaningful perk in this market.)
Set on 2.7 productive acres along 3500 Road in Hotchkiss, this 4-bedroom, 2-bath stick-built home offers 2,829 sq ft of total finished living space (1,738 above grade plus a fully finished 1,091 sq ft basement) with room to spread out. Upstairs: three formal bedrooms plus a massive main bedroom — equally at home as a family room or a private primary suite with its own patio, anchored by a stone wall fireplace and warm hardwood floors. Downstairs: a second family room, laundry nook, two non-conforming bedrooms, and two additional flex rooms ready to become office, studio, guest space, homeschool room, or whatever the season of life calls for.
Massive mature shade trees keep the home naturally cool through western Colorado summers, and the patio off the main bedroom is wrapped in honeysuckle in late spring and grapes by midsummer — the sweetest seat on the property.
The infrastructure is already here: full-sized shed, two-car garage, and a converted tool shed serving as a chicken coop, just waiting for a flock. Watch the kids play on the playground or turn the massive willow into a nature-made treehouse from the back porch while you're grilling on the deck. New washer, dryer, and water heater.
The land delivers. Established water rights through Farmer's Ditch and North Fork Lateral, a producing alfalfa field yielding three cuttings per year with buyers already in place, and mature fruit trees — apricot, cider pear, cherry plum — alongside berry bushes and grapes. A kitchen that fills itself, summer after summer. Heat is covered two ways: wood-burning stove and propane backup. Stunning views over Thistle Whistle Farm anchor the horizon.
This is a property for someone who wants to live on the land, not just own it — who feels the seasons, gathers eggs before breakfast, and ends the day by a fire that's been warming this house for decades. The assumable VA loan makes the numbers work in a high-rate environment. The rest of it makes a life.
$525,000 | 4BD + 2 non-conforming | 2BA | 1,738 sq ft above grade + 1,091 sq ft finished basement | 2.7 Acres | Assumable VA Loan at 5.375%