303-955-4220

Every question, answered

Colorado luxury real estate questions.

226 answers on buying, selling, downsizing, golf and 55+ homes from $800,000. Call or text 303-955-4220. A live person answers.

A live person answers. Not a robot, not a phone tree.

55 questions

Buying a luxury home.

What price counts as a luxury home in Denver?

$1 million. The Denver Metro Association of Realtors (DMAR) starts its luxury tier at $1 million. In 2025, 5,567 metro homes sold for more than $1 million, at an average of $1.64 million. The top sale was $17 million.

Mansions, mountain homes and acreage.

What are the most expensive neighborhoods near Denver?

Cherry Hills Village leads the metro with a $3.3 million median sale price (Redfin, October 2025). Next come Kerr Gulch near Evergreen ($2.975 million), The Preserve in Greenwood Village ($2.6 million) and Cherry Creek North ($2.4 million).

See every place we cover

Mansions, mountain homes and acreage.

When do I need a jumbo loan in Colorado?

When you borrow more than the 2026 conforming loan limit: $862,500 in the Denver metro counties, $879,750 in Boulder County and $1,209,750 in Eagle, Garfield, Pitkin and Summit Counties. Jumbo lenders set their own down payment and cash-reserve rules. Mike Oswald at Rate writes jumbo loans: (720) 677-5816. You may use any lender.

Mansions, mountain homes and acreage.

What should I check before buying a mountain home?

Five things: the well and its permit, the septic system, wildfire risk and the cost to insure it, who plows the road in winter, and the county's short-term rental rules. If private insurers turn the home down, the Colorado FAIR Plan covers up to $750,000.

Read the mountain home checklist

Mansions, mountain homes and acreage.

Can I see homes that are not on Zillow?

Yes. Some sellers sell privately, without a public listing. The Kenna Real Estate Group hears about these homes through its own agents and the Keller Williams DTC office. Call 303-955-4220 and tell us the area, price and size you want.

Mansions, mountain homes and acreage.

Who is Kenna Luxury Real Estate?

Kenna Luxury Real Estate is the luxury division of the Kenna Real Estate Group at Keller Williams DTC in Centennial, Colorado. One phone number, 303-955-4220, reaches a live person.

Mansions, mountain homes and acreage.

How much is a mansion in Colorado?

In the Denver metro, a 6,000+ square foot home on a large lot sells for $2 million to $10 million. The top Denver-metro sale in 2025 was $17 million (DMAR). In Aspen, the 2025 single-family median was $13.2 million.

Mansions for sale in Colorado.

What counts as a luxury home in Denver?

$1 million and up. That is DMAR's luxury tier. In 2025 the average $1 million-plus sale was $1.64 million.

Mansions for sale in Colorado.

Can I see estates before they are listed?

Yes. Tell us the area, size and price. We call you when a Kenna Real Estate Group or Keller Williams DTC agent has a matching home coming to market.

Mansions for sale in Colorado.

Can I get a mortgage on a home with a well and septic?

Yes. Lenders ask for a passing septic inspection, and on a private well, a water test. Order both inside your inspection period.

Mountain homes for sale near Denver.

What does wildfire insurance cost on a mountain home?

It depends on the home's fire risk score, defensible space and distance to a fire station. Get an insurance quote before your inspection deadline. If private insurers decline the home, the Colorado FAIR Plan covers up to $750,000.

Mountain homes for sale near Denver.

Can I rent my mountain home short-term?

Only with the county or town license. Breckenridge caps licenses by zone, and a license does not transfer when the home sells. Read the current rules on the Summit County short-term rental page before you write an offer.

Mountain homes for sale near Denver.

When do I need a jumbo loan for a mountain home?

When the loan is above the 2026 conforming limit: $862,500 in Jefferson County and the Denver metro, $1,209,750 in Eagle, Summit, Pitkin and Garfield Counties. Call Mike Oswald at Rate, (720) 677-5816. You may use any lender.

Mountain homes for sale near Denver.

Where can I keep horses near Denver?

On agricultural and rural residential zoning in Douglas County, Elbert County, Parker, Castle Rock and Elizabeth. The county zoning code sets the number of animals per acre. We pull the zoning for every property you tour.

Horse property near Denver.

Do water rights come with the land?

Only if the deed or a separate water deed conveys them. In Colorado, water rights are property separate from the land. Ask for the well permit and any water decree before your inspection deadline.

Horse property near Denver.

Does agricultural tax status transfer to me?

Only if the land keeps its agricultural use. The county assessor reviews the use every year. Ask the assessor for the current classification before you buy.

Horse property near Denver.

What is the most expensive neighborhood in Denver?

Cherry Hills Village, with a $3.3 million median sale price (Redfin, October 2025). Inside Denver city limits, Cherry Creek North leads at $2.4 million.

The most expensive neighborhoods near Denver.

What is the most expensive place to buy in Colorado?

Aspen. The 2025 single-family median was $13.2 million and the average was $17.3 million (Aspen Board of Realtors).

The most expensive neighborhoods near Denver.

What does $2 million buy near Denver?

In Greenwood Village or Castle Pines Village, a large single-family home on a big lot. In Cherry Hills Village, $2 million sits below the median. Call 303-955-4220 for this week's options.

The most expensive neighborhoods near Denver.

Who is the Kenna Real Estate Group?

A real estate group at Keller Williams DTC in Centennial, led by Brian Lee Burke, a licensed broker and REALTOR® since 2002. The group works the Front Range from Fort Collins to Colorado Springs.

The agents behind every showing.

Which agent do I call?

Call the main line, 303-955-4220. A live person answers and connects you with the agent who works your area and price range.

The agents behind every showing.

How do foreclosures work in Colorado?

Most Colorado foreclosures run through the county Public Trustee. The home goes to a public sale; if no outside bidder wins, the lender takes it back and sells it later as a bank-owned (REO) home.

Luxury foreclosures in Colorado.

Can I finance a bank-owned luxury home?

Yes, with a jumbo or conventional loan once the bank accepts your offer. Public Trustee sales require certified funds. Mike Oswald at Rate writes jumbo loans: (720) 677-5816. You may use any lender.

Luxury foreclosures in Colorado.

Are HUD homes the same thing?

No. HUD homes are FHA-insured homes the government took back. See every Colorado HUD home on denver-hudhomes.com.

Luxury foreclosures in Colorado.

What is a luxury short sale?

A sale for less than the owner owes on the mortgage, approved in writing by the lender. When the loan is above the conforming limit, it is a jumbo loan, and the jumbo lender runs its own review.

Luxury short sales in Colorado.

Does a short sale hurt my credit less than a foreclosure?

Ask your lender and a credit counselor for your numbers. A short sale ends the loan with the lender's agreement; a foreclosure ends it with a public trustee sale.

Luxury short sales in Colorado.

Who negotiates with the lender?

The Kenna Real Estate Group works with a dedicated short sale negotiator. Brian Lee Burke approves every file, and Richelle Dumas runs the paperwork.

Luxury short sales in Colorado.

Can I buy my next home before I sell this one?

Yes, three ways: a bridge loan against your current home's equity, a HELOC opened before you list, or a jumbo loan that qualifies you with both payments. Mike Oswald at Rate runs all three: (720) 677-5816. You may use any lender.

Move up to your next home.

Will a seller take an offer that depends on my sale?

Some sellers accept a home-sale contingency with a deadline. Above $1 million, a contingent offer competes better once your home is listed or under contract.

Move up to your next home.

Can I stay in my home after it sells?

Yes, with a post-closing occupancy agreement (a rent-back). The buyer agrees in the contract to let you stay a set number of days after closing.

Move up to your next home.

How do two people who are not married buy a home together in Colorado?

Both sign the loan and both go on the deed. The deed names the type of ownership: joint tenancy or tenancy in common. Put everything else in a written co-ownership agreement.

Buying a home together.

What is the difference between joint tenancy and tenancy in common?

Joint tenancy passes an owner's share to the other owners at death. Tenancy in common lets each owner leave their share to anyone and allows unequal shares, such as 60/40. A Colorado deed must say joint tenancy to create it. Ask a Colorado real estate attorney which one fits you.

Buying a home together.

What goes in a co-ownership agreement?

Who paid what at closing; who pays the mortgage, taxes, insurance and repairs; what happens when one owner wants out; and how the buyout price is set.

Buying a home together.

What makes a home mountain modern?

Floor-to-ceiling glass, timber, stone and simple rooflines.

Mountain modern homes.

Wildfire insurance?

Get a quote in the first week. The Colorado FAIR Plan covers up to $750,000 when private insurers say no.

Mountain modern homes.

Well and septic?

Order a well flow test, a water test and a septic inspection.

Mountain modern homes.

Winter access?

Find out who plows the road and drive it once after a snow.

Mountain modern homes.

What does $800,000 to $1.3 million buy near Denver?

A newer single-family home in Castle Rock, Parker, Erie or Highlands Ranch; a larger home on a bigger lot in Timnath or Berthoud; or a home near the median in Boulder, Louisville, Superior or Lone Tree, where 2026 city medians sit between $959,000 and $981,000 (Redfin).

Homes from $800K to $1.3 million.

Is $800,000 a jumbo loan?

Not by itself. In the Denver metro counties a loan becomes jumbo above $862,500 in 2026. With 20% down on a $1.08 million home, the loan stays conforming.

Homes from $800K to $1.3 million.

Where does luxury start?

DMAR's luxury tier starts at $1 million. Realtor.com put entry-level luxury nationally at $1.3 million in July 2025.

Homes from $800K to $1.3 million.

Is a cash offer always the winner?

No. Sellers weigh price, terms and timing. A cash offer at a lower price loses to a stronger financed offer.

Buying a luxury home with cash.

How do I avoid wire fraud?

Call the title company at a number you find yourself before you wire. Never trust wire instructions sent by email alone.

Buying a luxury home with cash.

Which Colorado city has the highest median home price?

Cherry Hills Village: $3.8M (3-month median, Redfin page 2026). Then Greenwood Village at $1.8M (Sept 2025), Niwot at $1.2M (Redfin page dated July 2026) and Castle Pines at $1,010,450 (June 2026).

Colorado luxury neighborhood map.

Which Front Range cities have a median above $800,000?

Cherry Hills Village ($3.8M), Greenwood Village ($1.8M), Niwot ($1.2M), Castle Pines ($1,010,450), Boulder ($981K), Lone Tree ($974,355), Superior ($967K), Louisville ($959K), Evergreen ($888K), Golden ($849,438), Morrison ($827K). Every other city on the map has luxury homes above its city-wide median; the city pages show the neighborhoods.

Colorado luxury neighborhood map.

What do the dot sizes and colors mean?

Each large dot is a city, sized and colored by its median sale price: $800K to $1.3M, $1.3M to $2M, $2M to $3M, and $3M and up. Hollow dots are cities with a median under $800K. Small dots are the 64 luxury subdivisions, colored by their own price. The square panel enlarges the Denver metro. Tap a dot for the number, the period and the source; tap again to open the page.

Colorado luxury neighborhood map.

Where do the prices come from?

City medians are Redfin figures for all home types, with the period shown on each dot. Subdivision prices come from Redfin, Homes.com, Realtor.com, Rocket Homes and local MLS reports, dated on each pin. Larkspur's median is left off because the sample is too small. County lines come from the U.S. Census Bureau; roads and place centers from OpenStreetMap.

Colorado luxury neighborhood map.

Do cash buyers get a lower price?

Sometimes. Cash removes loan risk, so some sellers take a lower cash offer over a higher financed one. The market decides, and we show you the recent sales.

Should I Pay Cash for a House in Retirement? Colorado

Do I need an appraisal if I pay cash?

No lender means no required appraisal. We still recommend comparing the price to recent sales with a Smart Pricing Report.

Should I Pay Cash for a House in Retirement? Colorado

What share of buyers pay cash?

26% of buyers paid all cash in 2025 (NAR 2025 Profile of Home Buyers and Sellers).

Should I Pay Cash for a House in Retirement? Colorado

What does the Colorado FAIR Plan cover?

Limited coverage at actual cash value, up to $750,000 for a home (Colorado FAIR Plan; CPR News). It is not a replacement for standard insurance.

Wildfire Insurance for a Colorado Mountain Home

How do I qualify for the FAIR Plan?

Show that three insurers declined the property, and apply through a licensed agent (Colorado FAIR Plan).

Wildfire Insurance for a Colorado Mountain Home

Can I buy a mountain home with cash if I cannot get insurance?

Yes, no lender means no insurance requirement. We still recommend coverage. A loss without it comes out of your pocket.

Wildfire Insurance for a Colorado Mountain Home

How far are the mountains from Denver?

Evergreen is about 43 minutes from Denver Union Station without traffic (OSRM estimate). Summit County is farther west on I-70.

Buying a Second Home in the Mountains Near Denver

What is the jumbo limit in Summit County for 2026?

$1,209,750 (FHFA). Loans above it are jumbo loans.

Buying a Second Home in the Mountains Near Denver

Do mountain towns charge a transfer tax?

Some do, including Aspen and Crested Butte. Check the town before you write an offer.

Buying a Second Home in the Mountains Near Denver

27 questions

Selling a luxury home.

How long does a luxury home take to sell in Denver?

At $2 million and up, the metro had 4.97 months of supply in December 2025 (DMAR). Homes from $1 million to $2 million had under three months. Price and presentation decide where your home falls in that range.

Sell your luxury home.

Can I sell without a public listing?

Yes. We show the home to our buyers and Keller Williams DTC agents first, or we keep it private. MLS rules set how long a home stays private once marketing starts; we explain them before you sign.

Sell your luxury home.

What is a Smart Pricing Report?

Our written pricing report: the comparable sales, the adjustments and the list price we recommend, with the marketing plan attached.

Sell your luxury home.

How long does it take to sell and move?

Plan eight to twelve weeks: two to four to prepare the house, then 30 to 45 days under contract, with a rent-back if you need more time.

Sell the big house. Buy the right one.

Should I sell first or buy first?

With equity and cash, buy first. Otherwise sell first with a rent-back. The move-up page walks through both.

Sell the big house. Buy the right one.

Can I keep the house in a Colorado divorce?

Yes, when you can refinance the loan in your name alone and pay your spouse their share of the equity. We give you the buyout number; a lender confirms the refinance.

Selling a luxury home in a Colorado divorce.

Should we sell before or after the divorce is final?

Selling before the decree splits one set of proceeds by the agreement. Selling after sets the terms in the decree first. Your attorney decides the order; we give both of you the numbers for each.

Selling a luxury home in a Colorado divorce.

What if my spouse refuses to sell?

The court can order a sale. We follow the order to the letter, and we send every update to both spouses and both attorneys.

Selling a luxury home in a Colorado divorce.

Who pays the mortgage and repairs while the divorce is pending?

Your temporary orders or your agreement set that. Put it in writing, including who pays for repairs before the sale.

Selling a luxury home in a Colorado divorce.

Do we both have to sign the listing?

Yes, when both spouses are on title. A court order can change that; follow your attorney.

Selling a luxury home in a Colorado divorce.

Where do we learn more?

Colorado Divorce Decisions, our divorce resource, runs workshops and free guides: divorceworkshopsco.com. Damon L. Chavez leads the group's divorce division: (720) 605-1005.

Selling a luxury home in a Colorado divorce.

Can we sell before probate closes?

Yes, once the personal representative has letters from the court. The representative signs the listing and the contract.

Selling an inherited luxury home.

Do we have to clean out the house first?

No. You can sell as-is with the contents, or hire an estate sale company. We give you the vendor list.

Selling an inherited luxury home.

Is the playbook free?

Yes. Enter your name, email and phone and the PDF opens on the next page.

The Colorado Luxury Downsizing Playbook.

Who is it for?

Owners of a large Colorado home planning a move to a smaller, lower-maintenance home: ranch, patio, lock-and-leave, a 55+ community or a golf community.

The Colorado Luxury Downsizing Playbook.

Do I have to talk to an agent?

No. You choose on the form. Answer Yes and an agent of the Kenna Real Estate Group calls you; answer No and we only send the playbook.

The Colorado Luxury Downsizing Playbook.

Is there a one-time capital gains exemption at 55?

No. That rule was replaced. Any age seller gets up to $250,000 single or $500,000 married filing jointly after 2 of the last 5 years in the home (IRS Publication 523).

Capital Gains When Selling a House Over 55, Colorado

Can I use the exclusion on a mountain second home?

No. The exclusion covers your main home. A second home sale is taxed on the full gain unless it becomes your main home and meets the rules. Ask your CPA.

Capital Gains When Selling a House Over 55, Colorado

Can I use the home sale exclusion more than once?

Yes, once every 2 years (IRS Publication 523, 2025).

Capital Gains When Selling a House Over 55, Colorado

Is Colorado a 50/50 divorce state?

No. Colorado divides marital property equitably, meaning in just proportions, not automatically equal (C.R.S. 14-10-113).

Gray Divorce: Selling the House in Colorado

Can I sell the house before the divorce is final?

Yes, with both spouses' written consent or a court order (C.R.S. 14-10-107).

Gray Divorce: Selling the House in Colorado

Who pays the capital gains tax after a divorce sale?

Each owner reports their share. Talk to your CPA before you pick the closing date.

Gray Divorce: Selling the House in Colorado

How long do $1M+ homes take to sell in Denver?

Detached homes averaged 47 days in the MLS in August 2026. Attached homes averaged 99 (DMAR).

How Long Does It Take to Sell a Luxury Home in Denver?

What share of Denver luxury sales are condos?

Attached homes were 4.4% of $1M+ sales in 2025 (DMAR). In August 2026, detached homes were 95.6% of $1M+ closings.

How Long Does It Take to Sell a Luxury Home in Denver?

Is the Denver luxury market a buyer's market?

Under $2M it is tighter, with under 3 months of inventory. Above $2M it had 4.97 months in December 2025, a balanced market (DMAR).

How Long Does It Take to Sell a Luxury Home in Denver?

How long do sellers stay before downsizing?

Sellers stayed a median of 11 years before selling in 2025 (NAR).

Should I Downsize My House? A Colorado Checklist

What is the Colorado documentary fee?

1 cent per $100 of the price, paid to the county clerk (C.R.S. 39-13-102).

Should I Downsize My House? A Colorado Checklist

49 questions

Lifestyles: golf, 55+, lock-and-leave.

Does buying the home include club membership?

No. Private clubs sell membership separately: an application, an initiation fee and monthly dues. Some communities require membership, most do not. Ask the club before you write an offer.

Golf course homes in Colorado.

Which golf communities are gated?

Castle Pines Village and The Club at Ravenna have gates. Ask for the gate type and the HOA fee that pays for it.

Golf course homes in Colorado.

What does golf frontage add to the price?

Compare course-front sales with interior sales in the same community. Your Smart Pricing Report shows both.

Golf course homes in Colorado.

What fees come on top of club dues?

HOA dues, and in many new communities a metro district tax on the property tax bill. Read both before you buy.

Golf course homes in Colorado.

Age-restricted or age-targeted?

Age-restricted communities enforce the 55+ rule in their HOA documents. Age-targeted communities market to 55+ buyers without the rule.

55+ luxury communities in Colorado.

Which 55+ communities have golf?

Heritage Eagle Bend in Aurora and Heritage Todd Creek in Thornton each have an 18-hole course on site.

55+ luxury communities in Colorado.

What does the HOA fee cover?

Ask for the budget. Many 55+ HOAs cover the clubhouse, lawn care and snow removal; the budget shows exactly what yours covers.

55+ luxury communities in Colorado.

Which are still selling new homes?

Trilogy Centerra in Loveland plans sales for late 2026. Call us for builder releases in the others.

55+ luxury communities in Colorado.

Can I put a boat or a dock on the lake?

Only if the lake's rules allow it. Ask the HOA or the ditch company for the boating rules in writing.

Lakefront homes in Colorado.

Who owns the water?

The ditch company, the HOA or the city. The seller's title work names the owner.

Lakefront homes in Colorado.

Do the lake levels drop?

Reservoir levels move with irrigation releases. Ask the owner of the water for past levels.

Lakefront homes in Colorado.

Do I need flood insurance?

Check the FEMA flood map for the address. Your lender requires flood insurance inside a high-risk zone.

Lakefront homes in Colorado.

Staffed gate or keypad gate?

Ask the HOA which one the community uses and what the dues pay for.

Gated communities in Colorado.

What does the gate cost?

The HOA or metro district budget shows it. Ask for the current budget during your due diligence.

Gated communities in Colorado.

Which gated communities have golf?

Castle Pines Village and The Club at Ravenna.

Gated communities in Colorado.

What are the building rules?

Every gated community has an architectural committee. Read the design guidelines before you remodel.

Gated communities in Colorado.

What counts as main-floor living?

The primary suite, the laundry and the kitchen on the entry level.

Ranch-style and patio homes.

Ranch, patio home or villa?

Ranch: single level on its own lot. Patio home or villa: single level with the HOA handling the yard and snow.

Ranch-style and patio homes.

What does a walkout basement add?

Guest rooms, a gym or a media room that open to the yard.

Ranch-style and patio homes.

Can a two-story home work?

Yes, with a main-floor primary suite, or with an elevator.

Ranch-style and patio homes.

What is a lock-and-leave home?

A home where the HOA handles the outside, so you can travel.

Lock-and-leave homes.

Condo, townhome or villa?

Condo: you own the unit. Townhome and villa: you own the unit, and the deed shows whether you own the land under it.

Lock-and-leave homes.

What do the dues cover?

The HOA budget lists it: exterior, roof, landscaping, snow, insurance.

Lock-and-leave homes.

Can I rent it while I travel?

The HOA and the city set the rental rules. Read both.

Lock-and-leave homes.

How many golf courses are between Fort Collins and Colorado Springs?

136 courses and clubs on OpenStreetMap as of September 23, 2026, 25 of them private clubs.

Colorado golf course map.

Which private golf clubs are near Denver?

Boulder Country Club, Broadmoor Cheyenne, Castle Pines Golf Club, Cherry Hills Country Club, Colorado Golf Club, Columbine Country Club, Denver Country Club, Fort Collins Country Club, Harmony Club, Heritage Eagle Bend Golf Club. The full list is under the map.

Colorado golf course map.

Can I buy a home on a private golf course without joining the club?

At many clubs, yes: the home and the membership are separate purchases. Some communities tie a membership to the home. Ask for the club's membership rules before you write an offer.

Colorado golf course map.

Where are the most pickleball courts near Denver?

Colorado Springs (52 courts), Denver (50 courts), Fort Collins (35 courts), Aurora (30 courts), Windsor (26 courts), by mapped courts on OpenStreetMap, September 23, 2026.

Pickleball courts in Colorado, on one map.

Are there indoor pickleball courts in the Denver area?

Yes. The map shows 17 indoor facilities and clubs, marked in their own color.

Pickleball courts in Colorado, on one map.

Do 55+ communities in Colorado have pickleball courts?

Many do, inside the clubhouse grounds. Those private courts are not on public maps. The 55+ communities page lists the communities; ask us for each one's amenities.

Pickleball courts in Colorado, on one map.

Why is my neighborhood's court missing?

Courts painted on tennis courts and courts inside HOAs are often not mapped as pickleball. The map shows what OpenStreetMap contributors have recorded.

Pickleball courts in Colorado, on one map.

Can a spouse under 55 live in a 55+ community?

Federal rules require one resident 55 or older in at least 80% of occupied homes. Each community's own rules decide the rest, so read the declaration.

Best 55+ Communities in Colorado: Front Range Guide

Is 'active adult' the same as 55+?

No. Age-targeted communities have no age requirement. Only age-restricted communities follow the 55+ rules.

Best 55+ Communities in Colorado: Front Range Guide

Do 55+ communities have homes over $800K?

Prices vary by community and floor plan. We set alerts for the $800K+ homes in each one.

Best 55+ Communities in Colorado: Front Range Guide

Is there a 55+ golf community near Denver?

Yes. Heritage Eagle Bend in Aurora and Heritage Todd Creek in Thornton are age-restricted with 18-hole courses.

Golf Course Communities Near Denver, Colorado

What does Cherry Hills Country Club membership cost?

The club does not publish it. Membership is by application. Ask the club directly.

Golf Course Communities Near Denver, Colorado

Are Denver golf communities gated?

Castle Pines Village is gated. Most others are not. Check each filing.

Golf Course Communities Near Denver, Colorado

Are there pickleball communities without an age restriction?

Yes. Harmony Club in Timnath has pickleball courts and no age rule.

Pickleball Communities in Colorado: Homes Near Courts

How many people play pickleball?

24.3 million Americans played in 2025 (SFIA).

Pickleball Communities in Colorado: Homes Near Courts

Do HOA dues cover court use?

In Anthem Ranch, Pickleheads lists play as free to residents. Each community sets its own rules, so read the HOA documents.

Pickleball Communities in Colorado: Homes Near Courts

What is a main-floor primary?

The primary bedroom and bathroom sit on the entry level, so daily life needs no stairs.

Ranch Style Homes in Denver With a Main-Floor Primary

Is a patio home the same as a ranch?

No. A patio home is a smaller detached home where the HOA handles yard care. Many are single-level.

Ranch Style Homes in Denver With a Main-Floor Primary

Where can I find ranch homes over $1 million near Denver?

Cherry Hills Village, Greenwood Village, Castle Pines and Parker. We set alerts for main-level primary suites in each.

Ranch Style Homes in Denver With a Main-Floor Primary

Is a ranch or two-story cheaper to build?

A two-story puts more square feet on less foundation and roof. Get builder bids on your lot for a real number.

Ranch vs Two-Story or an Elevator Home in Colorado

Do elevator homes cost more to insure?

Ask your insurance agent. Coverage and inspections depend on the insurer.

Ranch vs Two-Story or an Elevator Home in Colorado

What is a main-floor primary two-story?

A two-story home with the primary suite on the entry level and guest rooms upstairs.

Ranch vs Two-Story or an Elevator Home in Colorado

Is a lock-and-leave home always a condo?

No. Townhomes, paired homes and patio homes qualify when the HOA handles the exterior and yard.

What Is a Lock and Leave Home? Colorado Guide

Why are luxury condos slower to sell?

Attached $1M+ homes averaged 99 days in the MLS in August 2026 (DMAR). Buyers weigh the building and the dues as much as the unit.

What Is a Lock and Leave Home? Colorado Guide

Does lock-and-leave work for a mountain home?

Yes. Many mountain condos and townhomes include snow removal and exterior care.

What Is a Lock and Leave Home? Colorado Guide

49 questions

Prices and the market.

How many luxury homes sell in Denver each year?

5,567 homes sold above $1 million in the Denver metro in 2025 (DMAR). 245 of them, 4.4%, were condos or townhomes.

Colorado luxury market report.

Is it a buyer's or seller's market above $2 million?

Buyers have more room above $2 million. The metro had 4.97 months of supply at $2 million-plus in December 2025, against under three months from $1 million to $2 million (DMAR).

Colorado luxury market report.

How are Colorado property taxes figured in 2026?

The 2026 residential assessment rate for local government levies is 6.80%, after a 10% value reduction on the first $700,000 of value (Colorado Division of Property Taxation).

Colorado luxury market report.

How far is Boulder from downtown Denver?

37 minutes and 27 miles to Denver Union Station without traffic. Louisville is 30 minutes and Superior 28.

Drive times from Denver to 32 luxury cities.

Which luxury cities are under 30 minutes from downtown Denver?

Denver (6 min), Lakewood (14 min), Englewood (15 min), Arvada (16 min), Westminster (17 min), Cherry Hills Village (17 min), Littleton (18 min), Greenwood Village (22 min), Golden (24 min), Centennial (24 min), Morrison (26 min), Broomfield (27 min), Superior (28 min), Lone Tree (29 min).

Drive times from Denver to 32 luxury cities.

Are these drive times to the airport?

No. Every time on this map runs to Denver Union Station. Denver International Airport is 35 minutes and 25 miles from Union Station, and Centennial Airport is 32 minutes and 21 miles, both by the same OSRM no-traffic method. Airport times for each city are not on this map.

Drive times from Denver to 32 luxury cities.

How were the times measured?

OSRM routing on OpenStreetMap roads, from each town center to Denver Union Station, with no traffic. They are not published commute times. Rush hour on I-25, US-36 and I-70 adds time; drive it yourself at the hour you commute before you buy.

Drive times from Denver to 32 luxury cities.

How do you market a luxury home in Colorado?

A written Smart Pricing Report, professional photos and film, a property website, paid social promotion and an email feature to the agents who sell homes at your price. Every listing gets all of it.

How we market a Colorado luxury home.

How fast does my luxury home go live?

About eight days from the first price to the MLS: two days for the Smart Pricing Report, three for photos, film and floor plan, three to build the website, the ads and the email.

How we market a Colorado luxury home.

Can I stay in the home after it sells?

Yes. We write a rent-back into the contract so you move once, on your date. Downsizing sellers use it to buy the next home first.

How we market a Colorado luxury home.

Do I have to clear the house out before listing?

No. We give you a vendor list for estate sales, donation, movers and storage, and we schedule them around the photo day.

How we market a Colorado luxury home.

Can I sell my home privately?

Yes, as an office exclusive or coming soon. Fewer buyers see a private listing; we show you the tradeoff before you choose.

How we market a Colorado luxury home.

What is the median home price in Cherry Creek?

$1.65M for the 3 months ending August 2026, up +9.9% from a year earlier (Redfin). Condos: $989,758. Townhomes: $1.65M. Single-family: $2.50M.

Cherry Creek real estate market report.

How fast do Cherry Creek homes sell?

34 days on market in the 3 months ending August 2026, down from 40 a year earlier (Redfin).

Cherry Creek real estate market report.

Is Cherry Creek more expensive than Washington Park?

By median, no: Cherry Creek was $1.65M and Washington Park $1.82M for the 3 months ending August 2026, because Cherry Creek's sales include more condos. By price per square foot they are close: $522 and $525.

Cherry Creek real estate market report.

Which Cherry Creek condo buildings are luxury?

The Laurel (155 Steele St), NorthCreek (100 Detroit St) and the Waldorf Astoria Residences under construction at 185 N Steele St. Call 303-955-4220 for the units for sale this week.

Cherry Creek real estate market report.

What is the median home price in Boulder?

$974,355 for the 3 months ending August 2026, up +8.3% from a year earlier (Redfin). Single-family: $1.24M. Townhomes: $698,796. Condos: $397,379.

Boulder real estate market report.

How fast do homes sell in Boulder?

60 days on market in the 3 months ending August 2026, the same as a year earlier (Redfin).

Boulder real estate market report.

What is the price per square foot in Boulder?

$513 per square foot for the 3 months ending August 2026 (Redfin), compared with $355 in Louisville and $349 in Superior.

Boulder real estate market report.

How many homes sold in Boulder in August 2026?

354 homes sold in August 2026, up from 327 in August 2025 (Redfin).

Boulder real estate market report.

What is the median home price in Castle Pines?

$998,839 for the 3 months ending August 2026, up +8.9% from a year earlier (Redfin). Single-family: $1.04M. Townhomes: $575,038.

Castle Pines real estate market report.

How fast do homes sell in Castle Pines?

39 days on market in the 3 months ending August 2026, up from 31 days a year earlier (Redfin).

Castle Pines real estate market report.

Is Castle Pines more expensive than Parker?

Yes. The Castle Pines median was $998,839 and the Parker median was $675,303 for the 3 months ending August 2026. Price per square foot: $247 and $205 (Redfin).

Castle Pines real estate market report.

What is the median home price in Cherry Hills Village?

$3.58M for the 3 months ending August 2026, up +3.5% from a year earlier (Redfin). The median price per square foot was $550.

Cherry Hills Village real estate market report.

How fast do homes sell in Cherry Hills Village?

28 days on market in the 3 months ending August 2026, up from 8 days a year earlier (Redfin).

Cherry Hills Village real estate market report.

How many homes sold in Cherry Hills Village in August 2026?

40 homes sold in August 2026, up from 31 in August 2025 (Redfin).

Cherry Hills Village real estate market report.

Is Cherry Hills Village more expensive than Greenwood Village?

Yes. The Cherry Hills Village median was $3.58M and the Greenwood Village median was $1.60M for the 3 months ending August 2026. Price per square foot: $550 and $388 (Redfin).

Cherry Hills Village real estate market report.

What is the median home price in Evergreen?

$944,375 for the 3 months ending August 2026, down -6.5% from a year earlier (Redfin). Single-family: $965,434. Townhomes: $672,495.

Evergreen real estate market report.

How fast do homes sell in Evergreen?

22 days on market in the 3 months ending August 2026, down from 32 days a year earlier (Redfin).

Evergreen real estate market report.

How many homes sold in Evergreen in August 2026?

75 homes sold in August 2026, up from 53 in August 2025 (Redfin).

Evergreen real estate market report.

Is Evergreen more expensive than Conifer?

Yes. The Evergreen median was $944,375 and the Conifer median was $809,464 for the 3 months ending August 2026 (Redfin).

Evergreen real estate market report.

What is the median home price in Fort Collins?

$577,083 for the 3 months ending August 2026, up +4.9% from a year earlier (Redfin). Single-family: $629,531. Townhomes: $445,030. Condos: $337,398.

Fort Collins real estate market report.

How fast do homes sell in Fort Collins?

47 days on market in the 3 months ending August 2026, down from 51 days a year earlier (Redfin).

Fort Collins real estate market report.

How many homes sold in Fort Collins in August 2026?

722 homes sold in August 2026, up from 633 in August 2025 (Redfin).

Fort Collins real estate market report.

Is Fort Collins cheaper than Boulder?

Yes. The Fort Collins median was $577,083 and the Boulder median was $974,355 for the 3 months ending August 2026. Price per square foot: $252 and $513 (Redfin).

Fort Collins real estate market report.

What is the median home price in Greenwood Village?

$1.60M for the 3 months ending August 2026, up +1.2% from a year earlier (Redfin). Single-family: $2.31M. Condos: $698,788. Townhomes: $587,539.

Greenwood Village real estate market report.

How fast do homes sell in Greenwood Village?

31 days on market in the 3 months ending August 2026, up from 26 days a year earlier (Redfin).

Greenwood Village real estate market report.

How many homes sold in Greenwood Village in August 2026?

54 homes sold in August 2026, down from 60 in August 2025 (Redfin).

Greenwood Village real estate market report.

Is Greenwood Village cheaper than Cherry Hills Village?

Yes. The Greenwood Village median was $1.60M and the Cherry Hills Village median was $3.58M for the 3 months ending August 2026 (Redfin).

Greenwood Village real estate market report.

What is the median home price in Parker?

$675,303 for the 3 months ending August 2026, down -1.3% from a year earlier (Redfin). Single-family: $699,590. Townhomes: $525,035. Condos: $327,901.

Parker real estate market report.

How fast do homes sell in Parker?

33 days on market in the 3 months ending August 2026, the same as a year earlier (Redfin).

Parker real estate market report.

How many homes sold in Parker in August 2026?

441 homes sold in August 2026, down from 474 in August 2025 (Redfin).

Parker real estate market report.

Is Parker cheaper than Castle Pines?

Yes. The Parker median was $675,303 and the Castle Pines median was $998,839 for the 3 months ending August 2026 (Redfin).

Parker real estate market report.

What is the median home price in Washington Park?

$1.82M for the 3 months ending August 2026, down -1.4% from a year earlier (Redfin). Single-family: $2.19M. Condos: $529,870.

Washington Park real estate market report.

How fast do homes sell in Washington Park?

47 days on market in the 3 months ending August 2026, up from 34 days a year earlier (Redfin).

Washington Park real estate market report.

Is Washington Park more expensive than Cherry Creek?

By median, yes: Washington Park was $1.82M and Cherry Creek $1.65M for the 3 months ending August 2026. By price per square foot they are close: $525 and $522 (Redfin).

Washington Park real estate market report.

What are the most expensive neighborhoods in Denver?

By median for the 3 months ending August 2026: Denver Country Club $2.43M, Belcaro $2.37M, Washington Park $1.82M, Cherry Creek $1.65M, Hilltop $1.59M (Redfin).

Washington Park real estate market report.

How often are the market reports updated?

Monthly, from Redfin neighborhood data and the DMAR Market Trends report. Each report shows its date.

Colorado luxury market reports.

Can I get a report for my street?

Yes. A Smart Pricing Report shows the sales near your home and what it is worth. Call or text 303-955-4220.

Colorado luxury market reports.

46 questions

More questions.

Which Colorado cities does Kenna Luxury cover?

32 cities along the Front Range, from Fort Collins and Timnath in the north to Monument and Colorado Springs in the south, plus the Denver metro and the foothills.

Colorado luxury homes by city.

What can I change?

Interior work is yours. Exterior work in a local historic district goes to the city's preservation review.

Historic homes in Colorado.

Are there tax credits?

Colorado offers a state historic preservation tax credit for qualified work on designated homes. Ask your CPA and History Colorado before you start.

Historic homes in Colorado.

What should the inspection cover?

Wiring, lead paint, the foundation, the sewer line and the roof.

Historic homes in Colorado.

Which districts do we cover?

Denver, Boulder, Fort Collins, Littleton and Colorado Springs.

Historic homes in Colorado.

Does every lot have taxiway access?

Check the plat and the airport association documents for each lot.

Airpark and hangar homes.

How are hangar homes appraised?

The appraiser uses other airpark sales. Talk to your lender before you write an offer.

Airpark and hangar homes.

What are the association rules?

Runway use, maintenance fees and hangar size. Read them during due diligence.

Airpark and hangar homes.

Can I keep horses?

Parkland Estates in Erie allows horses.

Airpark and hangar homes.

Guest house, ADU or basement suite?

Guest house: detached building. ADU: the city's term for a second unit. Basement suite: inside the main house.

Homes with a guest house.

Can it have its own kitchen?

The zoning code decides. Check before you buy.

Homes with a guest house.

Can I rent it?

Each city sets its own rental and short-term rental rules.

Homes with a guest house.

Does it raise property taxes?

The assessor values the guest house with the property.

Homes with a guest house.

What door does an RV need?

Measure your RV's height with the roof equipment, then add clearance.

Homes with an RV garage or shop.

Which HOAs allow RV parking?

Read the covenants. Many HOAs ban RVs outside a garage.

Homes with an RV garage or shop.

Where can I build a shop?

Acreage in Douglas, Elbert and El Paso Counties. The county zoning sets the size.

Homes with an RV garage or shop.

Can I build living space above the garage?

The zoning code decides whether it counts as a second unit.

Homes with an RV garage or shop.

Buy new, buy resale or build?

Resale: move in within 30 to 60 days. New: builder warranty. Custom: 12 to 24 months.

New and custom luxury homes.

What does a custom build cost?

Get two written bids from builders before you buy the lot.

New and custom luxury homes.

What is a metro district?

A special district that funds roads and utilities through a tax on your property tax bill.

New and custom luxury homes.

Can I bring my own builder?

Some communities require an approved builder list. Ask before you buy the lot.

New and custom luxury homes.

Which subdivisions does Kenna Luxury cover?

64 subdivisions from Fort Collins to Colorado Springs where homes sell for $800,000 and up.

Colorado luxury subdivisions.

What percent of older adults want to age in place?

75% of adults 50 and older want to stay in their current homes (AARP, 2024).

Aging in Place Home Features to Look For in Colorado

What is the most important aging in place feature?

A main-floor primary suite with a zero-step entry. Those two are the hardest to add later.

Aging in Place Home Features to Look For in Colorado

Can we find homes with these features already built in?

Yes. We search listing remarks and floor plans for main-level primary suites, curbless showers and elevators.

Aging in Place Home Features to Look For in Colorado

Is the Colorado property tax deferral a grant?

No. It is a low-interest loan from the state, recorded as a junior lien (Park County Treasurer, 2026).

Colorado Property Tax Deferral for Seniors, 2026

When do I apply for the deferral?

County treasurers accepted 2026 applications from January 1 to April 1.

Colorado Property Tax Deferral for Seniors, 2026

Can I get the deferral if I have a reverse mortgage?

No. A reverse mortgage on the home disqualifies it (La Plata County Treasurer).

Colorado Property Tax Deferral for Seniors, 2026

Is Colorado's senior exemption based on income?

No. The tests are age 65, 10 years of ownership and 10 years living in the home as your primary residence (Boulder County Assessor, 2026).

Colorado Senior Property Tax Exemption: 2026 Rules

Can I claim it on a mountain second home?

No. It applies only to your primary residence.

Colorado Senior Property Tax Exemption: 2026 Rules

When is the deadline to apply?

July 15 for tax year 2026, payable in 2027 (El Paso County Assessor, 2026).

Colorado Senior Property Tax Exemption: 2026 Rules

Do I make monthly payments on a HECM for Purchase?

No monthly mortgage payment. You keep paying property taxes, insurance and HOA dues (CFPB).

HECM for Purchase in Colorado: Reverse Mortgage to Buy

Can I use a HECM for Purchase on a mountain second home?

No. The home must be your principal residence, and you move in within 60 days of closing (HUD Handbook 4000.1).

HECM for Purchase in Colorado: Reverse Mortgage to Buy

What is the 2026 HECM limit?

$1,249,125 (HUD Mortgagee Letter 2025-22).

HECM for Purchase in Colorado: Reverse Mortgage to Buy

Is a metro district the same as an HOA?

No. A metro district is a local government that levies property tax. An HOA is a private association that collects dues.

HOA vs Metro District in Colorado: What You Pay

Where do I find a metro district's debt?

In DOLA's Local Government Information System, which lists service plans, budgets and debt (Colorado DOLA).

HOA vs Metro District in Colorado: What You Pay

Do metro district taxes go away?

Debt levies run until the bonds are paid. Read the service plan for the term.

HOA vs Metro District in Colorado: What You Pay

Does Colorado tax Social Security?

Not for taxpayers 65 and older. They subtract all Social Security in federal taxable income (Colorado Department of Revenue).

Moving to Colorado: Altitude, Taxes and Homes

How high is Denver?

5,280 feet, one mile above sea level.

Moving to Colorado: Altitude, Taxes and Homes

Do new residents get the Colorado senior property tax exemption?

Not right away. It requires 10 years of owning and living in the same home (Boulder County Assessor, 2026).

Moving to Colorado: Altitude, Taxes and Homes

Does Colorado have an inheritance tax?

No. Colorado has no inheritance tax and no estate tax (Colorado Legislative Council Staff).

Inheriting a House in Colorado: Taxes and Selling

Do I pay capital gains on an inherited house?

Only on gain above the date-of-death value (26 U.S.C. 1014). A prompt sale carries little gain. Ask your CPA.

Inheriting a House in Colorado: Taxes and Selling

Can I sell an inherited house before probate closes?

Yes. The personal representative has authority to sell during probate. Your attorney sets the timing for paying out proceeds.

Inheriting a House in Colorado: Taxes and Selling

Who writes the Kenna Luxury blog?

The Kenna Real Estate Group at Keller Williams DTC. Every number carries its source and the date we checked it.

Colorado luxury real estate, answered.

How often are the numbers updated?

Each post lists its next review date under the sources. Tax, loan-limit and insurance figures are rechecked every January.

Colorado luxury real estate, answered.

Can I ask a question that is not here?

Yes. Call or text 303-955-4220. A live person answers, and the best questions become the next post.

Colorado luxury real estate, answered.

The Colorado Luxury Downsizing Playbook cover

Free playbook

The Colorado Luxury Downsizing Playbook.

Sell the estate, buy the right home, move once. The 12-week plan, the tax and cash questions, the ranch, patio, 55+ and golf communities, and the checklist. 8 pages, free.

A live person answers. Not a robot, not a phone tree.

Private consultation

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A live person answers. Not a robot, not a phone tree.

  • Private showings on your schedule, including evenings and weekends.
  • Off-market homes from the Kenna Real Estate Group's agent network.
  • One point of contact from the first showing to the closing table.

Kenna Luxury Real Estate is a division of the Kenna Real Estate Group at Keller Williams DTC (KWDTC).