13405 21st
VA Assumable
3.16% Rate
50 photos
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13405 21st

Golden, CO 80401

5
Bedrooms
3
Bathrooms
2,436
Sq Ft

Payment Calculator

$5,015per 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$527,087
Secondary Financing8.5% Rate
$485,837
Blended rate6.47% vs 6.5%
Monthly Payment Comparison
Conventional @ 6.5%
$4,954/mo
Assumable @ 3.16% + gap
$5,015/mo
$0
per month
$0
per year
$0
over 30 years

🏦 Loan Details

List Price
$825,000
Assumable Rate
3.16%
Remaining Balance
$297,231
Loan Type
VA
Est. Equity Gap
$527,087
Annual Taxes
$4,461
HOA/mo
$426

About This Home

Nestled in the highly desirable West Applewood neighborhood, this beautifully maintained Hutchinson ranch blends thoughtful modern updates with timeless character. Offering nearly 2,500 square feet of finished living space, this five-bedroom, three-bathroom home features an open floor plan designed for both comfort and functionality. The extensively updated kitchen showcases all-new stainless-steel appliances, stylish cabinetry, and ample workspace. Refinished original hardwood floors throughout the main level. The spacious living room is anchored by a floor-to-ceiling fireplace crafted from locally sourced dry-stack sandstone. The main level also includes three spacious bedrooms and two full bathrooms. New vinyl windows throughout the home enhance energy efficiency. The beautifully finished basement consists of two additional non-conforming bedrooms, a third bathroom, and a large family room featuring a second fireplace and corner bar-perfect for entertaining. A dedicated home office with built-in shelves and desk space provides an ideal work-from-home space. Situated on a picturesque 0.27-acre corner lot surrounded by mature trees, the outdoor living spaces are equally impressive. The spacious backyard features a covered patio and a separate pergola dining area, creating the perfect setting for gatherings and relaxation. Modern conveniences abound, including central AC, an 8.1-kW solar panel system, a dedicated 220V garage outlet for electric vehicle charging, and a complete in-ground irrigation system. The roof/ gutters were replaced in 2017. The location is exceptional-just blocks from North Table Mountain and its extensive hiking and mountain biking trails, as well as Applewood Golf Course and Rolling Hills Country Club. With easy access to Golden, Denver and world-class skiing less than an hour away, West Applewood offers the perfect balance of neighborhood charm and outdoor recreation. An exceptional home in one of the area's most sought-after communities.

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
3.16% rateVASave $3,487/mo

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