250 Upper Forest Rd Idaho Springs, CO 80452
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About this home
Welcome to 250 Upper Forest Road – Your Gateway to Colorado Mountain Living Tucked in the peaceful St. Mary’s Glacier community, this cozy 2-bedroom, 2-bathroom mountain home offers the perfect balance of rustic charm and everyday comfort. Vaulted ceilings, a warm wood-burning fireplace, and a spacious open floor plan create a relaxed, inviting space ideal for full-time living or a serene weekend getaway. A bonus flex room offers potential for a third bedroom, office, or studio. Step outside onto your private deck and take in the crisp alpine air, surrounded by tall pines and natural beauty. But what truly sets this property apart is its unmatched access to Colorado’s outdoor lifestyle. Located at over 10,000 feet in the St. Mary’s Glacier area of Clear Creek County, this home is part of a recreational paradise. POA members enjoy private access to two stocked trout lakes—perfect for fishing or a peaceful afternoon by the water. Explore miles of nearby hiking, snowshoeing, and ATV trails, or take a quick 5-minute drive to the St. Mary’s Glacier Trailhead, one of Colorado’s most photographed alpine hikes. Less than 20 minutes from historic downtown Idaho Springs, you’ll find charming restaurants, boutique shops, and attractions like Indian Hot Springs and local craft breweries. When it’s time to hit the slopes, Loveland Ski Area is only 30 minutes away, offering affordable and uncrowded skiing just off I-70. Whether you’re commuting to Denver (under an hour) or enjoying a weekend escape, this home offers year-round access via maintained roads—a rare find at this elevation. Whether you're looking for a turnkey second home, a full-time residence, or a rental investment in the Colorado mountains, 250 Upper Forest Road checks every box. Experience the lifestyle so many dream of—privacy, recreation, community, and mountain beauty—all in one place.
Source: RECO #8969903
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FAQs
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
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