20085 County Road 74
VA Assumable
2.77% Rate
50 photos
Click to enlarge

20085 County Road 74

Eaton, CO 80615

5
Bedrooms
4
Bathrooms
4,440
Sq Ft

Payment Calculator

$3,759per 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?$41,250
$41,250$195,976
Secondary Financing8.5% Rate
$154,726
Blended rate3.90% vs 6.5%
Monthly Payment Comparison
Conventional @ 6.5%
$4,954/mo
Assumable @ 2.77% + gap
$3,759/mo
$1,195less per month
$1,195
per month
$14,343
per year
$430,305
over 30 years

🏦 Loan Details

List Price
$825,000
Assumable Rate
2.77%
Remaining Balance
$627,614
Loan Type
VA
Est. Equity Gap
$195,976
Annual Taxes
$3,674
HOA/mo
$330

About This Home

Custom Spanish ranch on wide-open acreage! Set on 1.3 acres in Eaton, this custom-built home offers exceptional room to breathe, privacy, and a peaceful ambiance surrounded by open land with no neighbors to the side or behind. With five bedrooms, dual living areas, and a finished basement, the layout delivers incredible flexibility for everyday routines and grand-scale entertaining. Its unique architectural character is designed to stand out the moment you step inside. The two separate main-level living rooms each feature a cozy fireplace centerpiece, creating warm and inviting gathering hubs throughout the home. The updated kitchen showcases stainless steel appliances, granite countertops, ample prep room, and abundant storage, while a separate dining area provides an elegant venue for formal gatherings. The primary suite offers a restful layout that includes a private en-suite bathroom and a walk-in closet. Downstairs, the finished basement is ready for anything you need, boasting updated flooring, a massive recreation area with a full wet bar, plus two more flexible bedrooms and storage. Outside, a large, fenced backyard includes an extended patio with a hot tub and mature shade trees perfect for relaxing and taking in open surroundings. AG zoning with dedicated pasture space allows room for horses and livestock, giving you complete freedom with your land. Additionally, a HUGE oversized 4-car garage/shop provides unbelievable storage for vehicles, equipment, or heavy hobbies. Located just 3 miles from town, and within the Eaton school district, enjoy the ultimate balance of country privacy and quick accessibility. Additional updates include a newer tile roof that adds massive long-term value, a tankless water heater, and mini-splits throughout for air-conditioned comfort. No HOA!

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
$825,000
2.77% rateVASave $2,092/mo

Request a Tour or Talk With an Agent

Schedule a showing or talk with our team

Or reach us directly:

📞 (719) 624-3472