18038 S Gambel Oak Dr
Aurora Highlands · Aurora, CO
Homiy says: I like the ≈ 4-min walk to Sunset Park and the 7,900 sqft lot with a basement that could become a unit. I'd read the HOA's documents first.
Why Homiy likes it
- ≈ 4-min walk to Sunset Park (7 acres)© OpenStreetMap contributors (opens in a new tab)EstimateStraight-line distance to the park's edge at 3 mph × 1.3, not a routed walk.Source: OpenStreetMap contributors, Open Database License · retrieved 2026-10-09 (opens in a new tab)
- Denver metro prices +75% in 10 yearsKnownFHFA's purchase-only house price index for the Denver-Aurora-Centennial, CO metro, 2016 Q2 to 2026 Q2.Past change, not a forecast.Source: FHFA House Price Index, purchase-only, not seasonally adjusted, quarterly: Denver-Aurora-Centennial, CO (metro area 19740) · 2000 Q1–2026 Q2 (opens in a new tab)
- 7,900 sqft lot · basement unit (ADU) allowedRuleAurora's by-right rules for a typical house lot, researched Sep 27, 2026. This parcel's zone and overlays can allow less.Source: Aurora, ADU compliance amendment status · June 9, 2025 Council opposition; retrieved 2026-09-27 (opens in a new tab)
- Roof about 1 year old (seller disclosure)Sample: fictional home, for the demo.
- Heat pump for heating and cooling (seller disclosure)Sample: fictional home, for the demo.
- Price cut $20K on Aug 21, 2026Sample: fictional home, for the demo.
+1 moreShow fewer
- Newly built (per the listing)Sample: fictional home, for the demo.
Value over time
Grow its value
Basement unit (ADU)Aurora's rules allow an accessory dwelling unit in the basement on a typical house lot like this one.
Nationally, an ADU project cost about $166,406 and returned about 41% of that at resale, not counting rent. Cost vs. ValueSource: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler), 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)
Aurora's by-right housing rules for a typical house lot, plus ADU math on sample assumptions, shown as ranges.
Aurora rules · typical house lot
Low confidence: verifyParcel capacity not verified; typical detached-lot baseline: 2 homes
1 home today · room for 1 more (ADUs count toward the total)
House + one ADU under Colorado’s 2025 entitlement.
- Typical detached-lot baseline
- 2 homes, ADUs included
- Accessory dwellings (ADUs)
- Up to 1 ADU · inside the house, attached, detached (backyard) · owner-occupancy rules are unclear here (see note)HB24-1152 generally bars ongoing owner-occupancy requirements, but Aurora’s published UDO §146-3.3.6 retains one and the city opposed compliance amendments on June 9, 2025. The local approval and occupancy position is unresolved in this screen. Confirm it with Planning before relying on an ADU; do not read this as permission to rent both homes without conditions.
Caveats (4)
- The two-home count is the statutory state-law floor, not a verified Aurora permit approval. The city’s posted 2025 document labeled FINAL is an unadopted proposal, not evidence that the local occupancy condition was removed.
- Subject-jurisdiction state floor is modeled, not the maximum of every local district. Exempt parcels, water/wastewater capacity and historic rules need parcel review.
- Colorado restricts HOA barriers to ADUs; applicable reasonable design and safety requirements remain. The state transit-oriented-communities law sets local planning/density goals, not a fixed lot-level bonus.
- Illustrative entitlement screen, not a parcel determination. Verify zoning/overlays, historic review, recorded covenants, utilities, access, setbacks and building/fire/flood rules before relying on capacity.
ADU option · sample assumptions
AADU · 700 sqft
Convert the basement into an apartment with its own entrance, where the city's ADU rules allow it; owner-occupancy rules are unclear here (see note).
- Build cost
- $82K–$124K
- Adds in value
- $63K–$117K
- Rent it out
- $1.3K–$1.7K/mo
- Value added minus build cost
- −$61K to +$35K
Not included: financing costs, the months it takes to permit and build, and the property tax on the new unit.
Sample build costs scaled to Aurora's construction costs; rent from the ZIP's median rent (Census ACS) where known. The ranges come from stated assumptions, not measured error: build cost ±20%, value added at a share of the neighborhood's sample townhome price per sqft ±15 points, rent ±15%. Get real bids before counting on it.
A planning estimate, not a zoning determination or an appraisal: Aurora's by-right allowance for a typical detached house lot, researched as of Sep 27, 2026 (low confidence). This parcel's zone, overlays, historic review, deed restrictions and site conditions can allow less. Check with the city and an architect before relying on it.
- Aurora, ADU compliance amendment status (June 9, 2025 Council opposition; retrieved 2026-09-27)
- Aurora UDO §146-3.3.6, existing owner-occupancy provision (indexed published code retrieved 2026-09-27; applicability conflicts with state law)
- Colorado DLG, HB24-1152 implementation; C.R.S. §§29-35-401–405 (compliance 2025-06-30; retrieved 2026-09-27)
RuleAurora's by-right rules for a typical house lot, researched Sep 27, 2026. This parcel's zone and overlays can allow less.Source: Aurora, ADU compliance amendment status · June 9, 2025 Council opposition; retrieved 2026-09-27 (opens in a new tab)AuroraSource: Aurora, ADU compliance amendment status, June 9, 2025 Council opposition; retrieved 2026-09-27 (opens in a new tab)Replace the garage doorCurb appeal · typical recoup 268% at resale268%
A garage door can fill much of a house's front, so a new one changes how the whole house looks.
The top payback in the 2025 report. National average from a survey of real estate professionals; your market and the product you pick change the result.
Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.The top payback in the 2025 report. National average from a survey of real estate professionals; your market and the product you pick change the result.Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab) $4,672Est.EstimateZondaSource: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects, 2025 report, published 2025-09-18 (opens in a new tab)Replace the front door with a steel oneCurb appeal · typical recoup 216% at resale216%
A new front door freshens the entry and can seal better than a worn one.
National average from a survey of real estate professionals; your market and the product you pick change the result.
Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.National average from a survey of real estate professionals; your market and the product you pick change the result.Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab) $2,435Est.EstimateZondaSource: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects, 2025 report, published 2025-09-18 (opens in a new tab)Add manufactured stone veneer to the frontCurb appeal · typical recoup 208% at resale208%
Stone veneer on part of the front wall changes how the house looks from the street.
National average from a survey of real estate professionals; your market and the product you pick change the result.
Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.National average from a survey of real estate professionals; your market and the product you pick change the result.Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab) $11,702Est.EstimateZondaSource: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects, 2025 report, published 2025-09-18 (opens in a new tab)
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Replace siding with fiber cementCurb appeal · typical recoup 114% at resale114%
New siding refreshes the whole exterior and protects the walls behind it.
National average from a survey of real estate professionals; your market and the product you pick change the result.
Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.National average from a survey of real estate professionals; your market and the product you pick change the result.Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab) $21,485Est.EstimateZondaSource: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects, 2025 report, published 2025-09-18 (opens in a new tab)Minor kitchen remodel (midrange)Kitchen · typical recoup 113% at resale113%
Refreshing the kitchen in its current layout updates the look without the cost of a full remodel.
The only interior project in the 2025 report's top five. National average from a survey of real estate professionals; your market and the product you pick change the result.
Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.The only interior project in the 2025 report's top five. National average from a survey of real estate professionals; your market and the product you pick change the result.Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab) $28,458Est.EstimateZondaSource: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects, 2025 report, published 2025-09-18 (opens in a new tab)Replace siding with vinylCurb appeal · typical recoup 97% at resale97%
A lower-cost way to give worn or damaged siding a clean, uniform look.
National average from a survey of real estate professionals; your market and the product you pick change the result.
Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.National average from a survey of real estate professionals; your market and the product you pick change the result.Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab) $17,950Est.EstimateZondaSource: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects, 2025 report, published 2025-09-18 (opens in a new tab)Add a backup power generatorSystems · typical recoup 95% at resale95%
Backup power can keep heat, cooling, sump pumps and refrigerators running during outages.
New to the top 10 in 2025; Zonda reports returns above 100% in hurricane-prone and storm-affected regions.
Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.New to the top 10 in 2025; Zonda reports returns above 100% in hurricane-prone and storm-affected regions.Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab) $13,534Est.EstimateZondaSource: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects, 2025 report, published 2025-09-18 (opens in a new tab)Add a wood deckOutdoor · typical recoup 95% at resale95%
Outdoor living space adds usable room for much less than an addition.
National average from a survey of real estate professionals; your market and the product you pick change the result.
Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.National average from a survey of real estate professionals; your market and the product you pick change the result.Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab) $18,263Est.EstimateZondaSource: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects, 2025 report, published 2025-09-18 (opens in a new tab)Build a grand fiberglass entranceCurb appeal · typical recoup 85% at resale85%
A larger fiberglass entry makes a strong first impression.
National average from a survey of real estate professionals; your market and the product you pick change the result.
Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.National average from a survey of real estate professionals; your market and the product you pick change the result.Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab) $11,754Est.EstimateZondaSource: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects, 2025 report, published 2025-09-18 (opens in a new tab)Bathroom remodel (midrange)Bath · typical recoup 80% at resale80%
Updating a dated bathroom refreshes a room everyone uses every day.
National average from a survey of real estate professionals; your market and the product you pick change the result.
Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.National average from a survey of real estate professionals; your market and the product you pick change the result.Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab) $26,138Est.EstimateZonda/JLCSource: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler), 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)Replace windows with vinylEnergy · typical recoup 76% at resale76%
New windows can cut drafts and take an item off a buyer's repair list.
The federal 25C credit that covered efficient windows ended for improvements after December 31, 2025.
Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)Source: IRS: Energy Efficient Home Improvement Credit (25C) for improvements made through December 31, 2025 · retrieved 2026-10-09 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.The federal 25C credit that covered efficient windows ended for improvements after December 31, 2025.Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab) $22,073Est.EstimateZonda/JLCSource: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler), 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)Switch heating and cooling to a heat pump (electrification)Energy · typical recoup 72% at resale72%
A heat pump heats and cools the home with one electric system.
No federal tax credit for new installs: the 25C credit covered improvements made through December 31, 2025. Check your state energy office and utility for rebates.
Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)Source: IRS: Energy Efficient Home Improvement Credit (25C) for improvements made through December 31, 2025 · retrieved 2026-10-09 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.No federal tax credit for new installs: the 25C credit covered improvements made through December 31, 2025. Check your state energy office and utility for rebates.Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab) $19,484Est.EstimateZonda/JLCSource: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler), 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)Finish the basementSpace · typical recoup 71% at resale71%
Turning a basement into living space adds room inside the house you already own.
New to the report in 2025; Zonda found basement remodels the most consistent of the new projects across the country.
Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.New to the report in 2025; Zonda found basement remodels the most consistent of the new projects across the country.Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab) $52,012Est.EstimateZonda/JLCSource: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler), 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)Replace the roof (asphalt shingles)Systems · typical recoup 68% at resale68%
A sound roof protects everything under it.
After painting, new roofing was the project agents most often suggested before selling (37%) in NAR's 2025 survey.
Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)Source: NAR 2025 Remodeling Impact Report (projects agents recommend before selling) · April 2025 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.After painting, new roofing was the project agents most often suggested before selling (37%) in NAR's 2025 survey.Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab) $31,871Est.EstimateZonda/JLCSource: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler), 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)Bathroom remodel for accessibility (universal design)Bath · typical recoup 61% at resale61%
A bath anyone can use, at any age, lets you stay in the home longer.
National average from a survey of real estate professionals; your market and the product you pick change the result.
Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.National average from a survey of real estate professionals; your market and the product you pick change the result.Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab) $42,183Est.EstimateZonda/JLCSource: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler), 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)Major kitchen remodel (midrange)Kitchen · typical recoup 51% at resale51%
A full remodel can change how the kitchen works for the way you cook and live.
About half the cost came back at resale nationally, so it pays most in how you live, not in sale price.
Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.About half the cost came back at resale nationally, so it pays most in how you live, not in sale price.Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab) $82,793Est.EstimateZonda/JLCSource: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler), 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)Build a backyard patioOutdoor · typical recoup 46% at resale46%
A finished patio makes the yard a place to cook, eat and gather.
Less than half the cost came back at resale nationally; build it for your own use.
Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.Less than half the cost came back at resale nationally; build it for your own use.Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab) $51,454Est.EstimateZonda/JLCSource: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler), 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)Install rooftop solar panelsEnergy · typical recoup 30% at resale30%
Panels can lower your electric bills; the payback depends on your utility's rates and rules.
One of the lowest resale paybacks in the 2025 report, and the federal 25D credit isn't available for systems placed in service after December 31, 2025.
Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)Source: IRS: Residential Clean Energy Credit (25D) not available for property placed in service after December 31, 2025 · retrieved 2026-10-09 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.One of the lowest resale paybacks in the 2025 report, and the federal 25D credit isn't available for systems placed in service after December 31, 2025.Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab) $55,937Est.EstimateZonda/JLCSource: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler), 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)
Typical national costs and resale recoup from the cited report; your bids and your market will differ.
Monthly and cash cost
Monthly housing payment (est.)
Estimate20% down · 30-year fixed at 7.03% (Freddie Mac average) · 360 monthly loan payments of $3,305 · APR not calculated (it depends on the lender's fees) · includes principal and interest, property tax, home insurance and any HOA dues, plus mortgage insurance below 20% down. Not included: upkeep, utilities, flood insurance, special assessments.7.03% is Freddie Mac's average 30-year fixed rate for the week of Sep 24, 2026, for buyers with 20% down and excellent credit. It isn't an offer or an APR.Source: Freddie Mac Primary Mortgage Market Survey, week of Sep 24, 2026 · Sep 24, 2026 (opens in a new tab)≈ $3,914
Cash needed in total (est.)
EstimateA 20% down payment, closing costs, prepaids and the planned Homiy fee, deposits included.Not included: a home inspection, moving, immediate repairs, or reserves a lender may want you to keep after closing.≈ $138,190
What can change after year 1Tax, insurance, HOA dues, mortgage insurance and escrow
The monthly figure is a year-1 estimate. These move it later.
Property taxRule
About the seller's current bill, $3,220 a year (sample listing): Colorado assesses homes at market value, so a sale doesn't reset it. CensusSource: Census ACS 2020–2024 5-year, city: median real estate taxes paid (B25103) ÷ median home value (B25077), ACS 2020–2024 (opens in a new tab)
Home insuranceEst.Estimate
Year 1 uses ≈ $2,596 a year ($2,080–$3,370, not a quote). Insurers re-price at every renewal: the U.S. average premium on mortgaged homes rose 14% in 2024. Insurers didn't renew 1.2% of homeowners policies in ZIP 80019 in 2022. ICESource: ICE Mortgage Monitor: the average premium on mortgaged single-family homes rose 14% to $2,290 in 2024, March 3, 2025 (opens in a new tab) U.S.Source: U.S. Treasury, Federal Insurance Office: Analyses of U.S. Homeowners Insurance Markets, 2018–2022, Supporting Underlying Metrics by ZIP code (premiums per policy, nonrenewal rate), 2018–2022 (published January 2025) (opens in a new tab)
HOA duesSample
$125/mo in this sample listing. The association can raise dues and add special assessments: ask for the budget, the reserves and any planned assessments.
Mortgage insuranceRule
With less than 20% down on a conventional loan, it's in the payment until it ends. You can ask your lender in writing to cancel it once your balance is scheduled to reach 80% of the home's original value (the lower of the price and the appraisal), with a good payment record; it ends automatically at 78% if you're current on payments (CFPB). CFPBSource: CFPB: When can I remove private mortgage insurance (PMI) from my loan?, reviewed 2026-08-28; retrieved 2026-10-09 (opens in a new tab) 12Source: 12 U.S.C. §4901 (Homeowners Protection Act of 1998): definitions, retrieved 2026-10-09 (opens in a new tab) 12Source: 12 U.S.C. §4902: termination of private mortgage insurance, retrieved 2026-10-09 (opens in a new tab)
EscrowRule
If your loan has an escrow account, your servicer reviews it once a year and resets the monthly deposit to the coming year's tax and insurance bills, so the payment follows them. 12Source: 12 CFR 1024.17 (Regulation X): escrow accounts, cushions, shortages and surpluses, retrieved 2026-10-09 (opens in a new tab)
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If you offer: what usually happens next
Things to check
HOA dues of $125/mo.
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Ask for the HOA's budget, reserves, rules and any planned special assessments before your deadline.
Check FEMA's flood map for this address. Most homeowners policies exclude flood damage.
Details
ZIP 80019: 4 federal flood policies in force and 0 claims since 2000. FEMA rates Arapahoe County, CO's expected yearly losses from inland flooding Relatively High, compared with other U.S. counties (the county, not this home). FEMA flood mapSource: FEMA Flood Map Service Center, retrieved 2026-10-09 (opens in a new tab) OpenFEMA policiesSource: FEMA, OpenFEMA API: NFIP Redacted Policies, version 3 (policies in force). This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s)., in force Jun 30, 2026; data refreshed 2026-07-27; accessed 2026-09-27 (opens in a new tab) OpenFEMA claimsSource: FEMA, OpenFEMA API: NFIP Redacted Claims, version 3 (claims since 2000). This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s)., data refreshed 2026-08-04; accessed 2026-09-27 (opens in a new tab)
This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).
Get insurance quotes early.
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Insurers didn't renew 1.2% of homeowners policies in ZIP 80019 in 2022 (U.S. Treasury, Federal Insurance Office). U.S.Source: U.S. Treasury, Federal Insurance Office: Analyses of U.S. Homeowners Insurance Markets, 2018–2022, Supporting Underlying Metrics by ZIP code (premiums per policy, nonrenewal rate), 2018–2022 (published January 2025) (opens in a new tab)
Set aside ≈ $2,790–$6,960 a year for upkeep.
Details
New owners of homes built before 1950 spent a median 1.5% of the home's value a year on upkeep in the Census Bureau's 2021 survey; long-time owners 0.6%. For a home built in 2025 we scale that down by a quarter (0.45–1.13%): owners of homes built since 2010 spent about 25% less than owners of pre-1960 homes (Harvard JCHS, 2023 survey). Not part of the monthly payment. Harvard JointSource: Harvard Joint Center for Housing Studies, “Many Owners Cannot Afford to Maintain Aging Homes” (2023 American Housing Survey), Jul 16, 2026 (opens in a new tab)
For a house built in 2025
Ask the age of the roof, the heating and cooling, the water heater and the electrical panel.
Details
A home inspector estimates how much useful life the major systems have left and what needs repair or replacement. If you ask for an inspection early, you may be able to make the contract depend on its results. HUD/FHASource: HUD/FHA, “For Your Protection: Get a Home Inspection” (form HUD-92564-CN), retrieved 2026-09-27 (opens in a new tab)
Ask whether the sewer line has been inspected or replaced. It runs from the house to the street.
Details
Ask the city’s sewer utility which part of it the owner maintains.
Ask whether additions, a finished basement or a big remodel had building permits.
Details
Ask the seller, and look up the address’s permit history with the city or county building department.
Ask for any radon test results.
Details
EPA recommends knowing the radon level of any home you consider buying; EPA and the Surgeon General recommend testing all homes below the third floor. EPASource: EPA, Home Buyer’s and Seller’s Guide to Radon (EPA 402/K-24/001), revised 2024, retrieved 2026-09-27 (opens in a new tab)
Ask for the seller’s latest property tax bill and the exemptions on it.
Details
Then compare it with the property tax line above, which says how Colorado taxes a new owner.
Do your final walkthrough. Bring the repair list and receipts.
Details
Run the water, heat, cooling and appliances. Look for new damage from the move-out. Freddie MacSource: Freddie Mac My Home: Closing your home purchase, retrieved 2026-10-09 (opens in a new tab)
Location
Sunset Park
EstimateStraight-line distance to the park's edge at 3 mph × 1.3, not a routed walk.Source: OpenStreetMap contributors, Open Database License · retrieved 2026-10-09 (opens in a new tab) 4-min walk · 7 acres© OpenStreetMap contributors (opens in a new tab)
Hogan Park @ Highlands Creek
EstimateStraight-line distance to the park's edge at 3 mph × 1.3, not a routed walk.Source: OpenStreetMap contributors, Open Database License · retrieved 2026-10-09 (opens in a new tab) 8-min walk · 101 acres© OpenStreetMap contributors (opens in a new tab)
The Aurora Highlands Community Park
EstimateStraight-line distance to the park's edge at 3 mph × 1.3, not a routed walk.Source: OpenStreetMap contributors, Open Database License · retrieved 2026-10-09 (opens in a new tab) 14-min walk · 37 acres© OpenStreetMap contributors (opens in a new tab)
40th / Airport - Gateway Park Station
EstimateStraight-line distance from the home. Open stations only.Source: FTA National Transit Database, General Transit Feed Specification Weblinks: the public-domain GTFS feeds agencies must publish · retrieved 2026-09-27 (opens in a new tab) 4.1 mi away, straight line · RTD A Line
Aurora Municipal Center
EstimateStraight line from the home to Aurora Municipal Center, 15151 E Alameda Pkwy, Aurora, CO 80012. Not a driving distance.Source: City of Aurora: City Hall · retrieved 2026-10-09 (opens in a new tab) 6.8 mi to downtown
Flood zoneFEMA flood mapSource: FEMA Flood Map Service Center, retrieved 2026-10-09 (opens in a new tab)
Look up this address on FEMA's flood map.
Arapahoe County, CO hazard ratingsFEMA NRISource: FEMA National Risk Index December 2025: Expected Annual Loss rating of each hazard, by county, NRI December 2025 (opens in a new tab)
Hail: Very High · Inland flooding: Relatively High · Tornado: Relatively High. Expected yearly losses compared with other U.S. counties; the county, not this home.
Facts
- Type
- House
- Year built
- 2025
- Lot
- 7,900 sqft
- HOA dues
- $125/mo
- Property tax (current bill)
- $3,220/yr
- Zoning
- Single-family residential
- Days on market
- 92
- Listing brokerage
- Timberline & Ridge Real Estate
- Price history
- Aug 21, 2026Price cut$619,000(-$20,000)
- Jun 26, 2026Listed$639,000
More factsFewer facts
- Days on market
- 92
- Listing brokerage
- Timberline & Ridge Real Estate
- Price history
- Aug 21, 2026Price cut$619,000(-$20,000)
- Jun 26, 2026Listed$639,000
Listing broker's figures (sample listing). Not measured by Homiy.
Ask Homiy
$619,000
Estimate20% down · 30-year fixed at 7.03% (Freddie Mac average) · 360 monthly loan payments of $3,305 · APR not calculated (it depends on the lender's fees) · includes principal and interest, property tax, home insurance and any HOA dues, plus mortgage insurance below 20% down. Not included: upkeep, utilities, flood insurance, special assessments.7.03% is Freddie Mac's average 30-year fixed rate for the week of Sep 24, 2026, for buyers with 20% down and excellent credit. It isn't an offer or an APR.Source: Freddie Mac Primary Mortgage Market Survey, week of Sep 24, 2026 · Sep 24, 2026 (opens in a new tab) $3,914/mo