4804 s pine rd

Everyone dreams of living in the heart of Evergreen, walking distance to the lake. But with today's prices and rates, who can actually afford that? And finding anything with real income potential and a flexible floor plan for under a million is nearly impossible. Good news... this one checks every box. And it comes with an assumable FHA mortgage at 4.5%... This is a genuine, separately metered, two-unit duplex right above Evergreen Lake, with two fully independent residences that also have the flexibility to live as a single family if you choose. The upper unit is the kind of mountain retreat people drive two hours to stay in on Airbnb. Vaulted ceilings, open-concept kitchen with white cabinetry, tile backsplash, and pendant lighting, windows looking straight into the pines, in-unit washer and dryer, updated bathroom, and two bedrooms. The previous owner rented it for $3,000 a month. The deck is where you'll lose entire afternoons. The lower unit is centered around a stone fireplace with a wood burning insert, two bedrooms, a fully updated bathroom, and its own private entrance with covered patio. Charming, and completely self-contained. New siding, new roof, new drainage and landscaping, and newer mechanicals mean no worries for years to come. The double lot gives the property room to breathe, and multiple patios plus an outdoor kitchen make entertaining easy. You can see Evergreen Lake from the deck. Golf course, downtown shops and restaurants, and the trail network are minutes away. Denver is 45 minutes down I-70. Live in one, rent the other, and affordably enjoy the mountain lifestyle. Assumable FHA at 4.5%, under $1,000,000, walking distance to the lake.