10246 Spotted Owl
VA Assumable
2.68% Rate
50 photos
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10246 Spotted Owl

Highlands Ranch, CO 80129

4
Bedrooms
4
Bathrooms
1,483
Sq Ft

Payment Calculator

$3,989per month

In an assumption, your down payment covers the seller's equity. You'll need at least 5% of the purchase price in cash, and the rest can be covered with secondary financing.

How much can you bring down?$32,500
$32,500$295,052
Secondary Financing8.5% Rate
$262,552
Blended rate4.72% vs 6.5%
Monthly Payment Comparison
Conventional @ 6.5%
$3,903/mo
Assumable @ 2.68% + gap
$3,989/mo
$0
per month
$0
per year
$0
over 30 years

🏦 Loan Details

List Price
$650,000
Assumable Rate
2.68%
Remaining Balance
$487,112
Loan Type
VA
Est. Equity Gap
$295,052
Annual Taxes
$3,425
HOA/mo
$174

About This Home

Welcome home to this updated two-story escape nestled in one of the most sought-after neighborhoods in Highlands Ranch. With over $160,000+ of recent renovations, this updated home showcases a modern design, thoughtful functionality, and everyday comfort in all the right ways. Upon entry to the home you are met with a spacious open-concept layout designed for both entertaining and busy family life. The heart of the home is the stunning fully remodeled kitchen completed in 2025, showcasing luxurious Blue Moon Quartzite countertops, premium Café stainless steel appliances, a natural gas range, recessed sink, touchless Delta faucet, and a pantry with convenient pull-out shelving. The open main level flows seamlessly into the living and dining spaces, creating an inviting atmosphere filled with natural light, high ceilings, and plantation shutters. Main floor laundry adds everyday convenience, while recent upgrades throughout the home provide true move-in-ready peace of mind. Downstairs, the professionally finished basement has been thoughtfully designed as a private in-law suite featuring its own entrance and a beautifully appointed high-end bathroom—ideal for multigenerational living, guests, or flexible bonus space. Extensive recent improvements include a new HVAC system (2023), new windows (2025), tankless hot water heater (2025), whole-house humidifier (2025), plantation shutters (2019), and a stylishly remodeled main floor bathroom (2025). Located near top-rated Douglas County schools, scenic parks and trails, grocery stores, dining, and everyday conveniences, this home also offers quick access to major highways—making commuting across the Denver Metro area simple and efficient. Additionally you are minutes from Highlands Ranch Town Center and Central Park. Homes with this level of updating, versatility, and location rarely come available in Highlands Ranch.

Data Source: REcolorado MLS

Listing information is deemed reliable but not guaranteed. All data provided by the MLS and is subject to change. The Assumable Guy is not the listing agent for this property. Contact us to connect with the listing agent and explore assumable financing options.

This listing
$650,000
2.68% rateVASave $2,274/mo

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