3826 Pasqueflower Ln
Briargate · Colorado Springs, CO
Homiy says: I like the ≈ 11-min walk to Meadowridge Park and the 7,050 sqft lot with room for a backyard cottage. I'd look the address up on FEMA's flood map first.
Why Homiy likes it
- ≈ 11-min walk to Meadowridge Park (13 acres)EstimateStraight-line distance to the park's edge at 3 mph × 1.3, not a routed walk.Source: USGS Protected Areas Database of the United States (PAD-US) 4.1 · PAD-US 4.1, queried 2026-10-09 (opens in a new tab)
- ZIP 80920 prices +94% in 10 yearsKnownFHFA's experimental ZIP house price index (houses with Fannie Mae or Freddie Mac loans), 2015 to 2025.Past change, not a forecast.Source: FHFA House Price Index, five-digit ZIP codes, annual (developmental, all-transactions) · 2000–2025 (updated 2026-03-31) (opens in a new tab)
- 7,050 sqft lot · backyard cottage allowedRuleColorado Springs's by-right rules for a typical house lot, researched Sep 27, 2026. This parcel's zone and overlays can allow less.Source: Colorado Springs, ADU Owner Residency Determination Affidavit · July 7, 2025 packet, p. 2; retrieved 2026-09-27 (opens in a new tab)
- Price cut $20K on Sep 11, 2026Sample: fictional home, for the demo.
- No HOA dues (per the listing)Sample: fictional home, for the demo.
- Updated (per the listing)Sample: fictional home, for the demo.
Value over time
Grow its value
Backyard cottage (ADU)Colorado Springs's rules allow a detached accessory dwelling unit 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)
Colorado Springs's by-right housing rules for a typical house lot, plus ADU math on sample assumptions, shown as ranges.
Colorado Springs rules · typical house lot
High confidenceUp to 2 homes on a typical house lot
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) · the owner must live there when the ADU is approved or first occupied (see note)At permit application, owners must live in the principal home and submit the city’s notarized Owner Residency Determination Affidavit. This is an application-stage check, not a continuing owner-residence requirement. One internal, attached or detached ADU is the state-law floor; local size, site and exempt-parcel conditions apply.
Caveats (3)
- 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
DADU · 800 sqft
A backyard cottage, where lot coverage and setbacks leave room; the owner must live there when the ADU is approved or first occupied (see note).
- Build cost
- $171K–$257K
- Adds in value
- $125K–$182K
- Rent it out
- $1.8K–$2.4K/mo
- Value added minus build cost
- −$132K to +$11K
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 Colorado Springs'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: Colorado Springs's by-right allowance for a typical detached house lot, researched as of Sep 27, 2026 (high 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.
- Colorado Springs, ADU Owner Residency Determination Affidavit (July 7, 2025 packet, p. 2; retrieved 2026-09-27)
- Colorado DLG, HB24-1152 implementation; C.R.S. §§29-35-401–405 (compliance 2025-06-30; retrieved 2026-09-27)
RuleColorado Springs's by-right rules for a typical house lot, researched Sep 27, 2026. This parcel's zone and overlays can allow less.Source: Colorado Springs, ADU Owner Residency Determination Affidavit · July 7, 2025 packet, p. 2; retrieved 2026-09-27 (opens in a new tab)Colorado SpringsSource: Colorado Springs, ADU Owner Residency Determination Affidavit, July 7, 2025 packet, p. 2; 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 $2,931 · 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)≈ $3,305
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.≈ $123,325
What can change after year 1Tax, insurance, mortgage insurance and escrow
The monthly figure is a year-1 estimate. These move it later.
Property taxRule
About the seller's current bill, $2,140 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 ≈ $2,351 a year ($1,880–$3,060, 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 0.8% of homeowners policies in ZIP 80920 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)
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
Check FEMA's flood map for this address. Most homeowners policies exclude flood damage.
Details
ZIP 80920: 49 federal flood policies in force and 19 claims since 2000. FEMA rates El Paso 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 0.8% of homeowners policies in ZIP 80920 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 ≈ $3,290–$8,240 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%. We use the same band for a home built in 1999: the Census has no share-of-value figure for newer bands, and upkeep stays high once homes pass 20 years (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 1999
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
Meadowridge Park
EstimateStraight-line distance to the park's edge at 3 mph × 1.3, not a routed walk.Source: USGS Protected Areas Database of the United States (PAD-US) 4.1 · PAD-US 4.1, queried 2026-10-09 (opens in a new tab) 11-min walk · 13 acres
Frontier Park
EstimateStraight-line distance to the park's edge at 3 mph × 1.3, not a routed walk.Source: USGS Protected Areas Database of the United States (PAD-US) 4.1 · PAD-US 4.1, queried 2026-10-09 (opens in a new tab) 14-min walk · 196 acres
John Stone Park
EstimateStraight-line distance to the park's edge at 3 mph × 1.3, not a routed walk.Source: USGS Protected Areas Database of the United States (PAD-US) 4.1 · PAD-US 4.1, queried 2026-10-09 (opens in a new tab) 14-min walk · 7 acres
Colorado Springs City Hall
EstimateStraight line from the home to Colorado Springs City Hall, 107 N Nevada Ave, Colorado Springs, CO 80903. Not a driving distance.Source: City of Colorado Springs: City Council Meetings · retrieved 2026-10-09 (opens in a new tab) 8.9 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.
El Paso 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)
Winter weather: Very High · Hail: Very High · Wildfire: Relatively High. Expected yearly losses compared with other U.S. counties; the county, not this home.
Facts
- Type
- House
- Year built
- 1999
- Lot
- 7,050 sqft
- HOA dues
- None
- Property tax (current bill)
- $2,140/yr
- Zoning
- R1-6
- Days on market
- 25
- Listing brokerage
- Ponderosa & Lantern Home Group
- Price history
- Sep 11, 2026Price cut$549,000(-$20,000)
- Sep 1, 2026Listed$569,000(+$343,000)
- May 22, 2012Sold$226,000
More factsFewer facts
- Days on market
- 25
- Listing brokerage
- Ponderosa & Lantern Home Group
- Price history
- Sep 11, 2026Price cut$549,000(-$20,000)
- Sep 1, 2026Listed$569,000(+$343,000)
- May 22, 2012Sold$226,000
Listing broker's figures (sample listing). Not measured by Homiy.
Ask Homiy
$549,000
Estimate20% down · 30-year fixed at 7.03% (Freddie Mac average) · 360 monthly loan payments of $2,931 · 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) $3,305/mo