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4805 Umatilla St
Denver, CO

4805 Umatilla St

$455,000
3 bd • 1 ba • 1,485 sf

This analysis was generated by artificial intelligence on 1/25/2025. It is for entertainment purposes only and should not be considered as real estate or investment advice.

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AI Property Analysis

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List Price

$455,000

Price/Sq.Ft

$306

Year Built

1978

AI Property Analysis

A comprehensive evaluation of this property's features, market position, and investment potential.

The Good

This 1,485 sqft ranch-style home is located in the popular Chaffee Park neighborhood, offering a convenient central location with easy access to downtown and the mountains. The open floor plan and large yard make it versatile for both families and renters. The property's proximity to Regis University makes it an attractive option for rental income. The recent price reduction and eligibility for a lender credit through the CRA program make it more affordable. The listing also indicates new exterior paint and carpet, and the home has a low flood risk (1/10) and fire risk (1/10). The price per square foot ($306.40) is competitive.

The Bad

The property has only one bathroom, which may be inadequate for families or multiple occupants. The house was built in 1978, so the systems and finishes may be dated and in need of updating. The school ratings of 3-5/10 are below average and may be a concern for families with children. While the listing mentions new paint and carpet, the kitchen and bathroom were not specifically mentioned and may need updates. The property's 274 days on the market is significantly longer than the average for the Denver market, which could indicate overpricing or other issues.

The Ugly

The property is an older home (1978) with potential for major system replacements (plumbing, electrical, HVAC) in the near future. The single bathroom might not be adequate for families. There's a Major Air Quality Risk (5/10) and moderate heat risk (3/10) that could impact the comfort and health of the occupants. The vague mention of 'potential for future development' may not be realized or may come with significant costs. The low school ratings (3-5/10) are a concern. The long time on the market (274 days) and multiple price reductions could indicate underlying issues or overpricing, even at the current price of $455,000.

Who is this property for?

These details are presented solely for entertainment purposes and are not meant to steer or limit any prospective buyer.

Best For

This property is best suited for investors looking for rental income near Regis University or for small families or couples seeking a single-level home with a large yard and convenient access to both downtown and the mountains. The CRA program eligibility provides an added benefit for buyers seeking to reduce their interest rate or closing costs. The property's proximity to Regis University makes it ideal for rental, targeting students or faculty. The single-story ranch style is also suitable for buyers with mobility concerns.

Not For

This property is not ideal for larger families needing more than one bathroom, or for buyers seeking a fully updated, turnkey home. Individuals who are highly sensitive to air quality or heat may also find this location less suitable. Those seeking a home with modern amenities and recent upgrades may also be disappointed, as the property is older and requires some updates. Buyers looking for a property in a top-rated school district should also consider that the local schools have low ratings (3-5/10).
Demographics
Area Median Income

$71,537

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Risk Assessment

Climate Risks

airMAJOR

9 bad air quality days per year

heatMODERATE

7 extreme heat days per year

98th percentile: 93°F

windMINOR

Insurance: Recommended

floodMINIMAL

FEMA Zone: X_UNSHADED

Insurance: Optional

fireMINIMAL

Insurance: Optional

Risk Analysis

The property's age (built in 1978) suggests potential issues with older systems like the plumbing, electrical, and HVAC, which may require costly repairs or replacement. While the property has new paint and carpet, the kitchen and bathroom may need updates. The single bathroom might be a challenge for families. The high air quality risk (5/10) and moderate heat risk (3/10) could impact the comfort and health of residents. The school ratings (3-5/10) may be a concern for families with children. Additionally, while the listing mentions 'potential for future development', this is vague and should be researched further to determine what that entails in terms of zoning and cost. The property has been on the market for 274 days and has had several price reductions, suggesting it may be overpriced or have some underlying issues.
Insurance
Annual Cost

$1,638

$137 per month

Financials

Monthly Costs

Price History

Property Taxes

$2,355
2024 Tax Assessment
4.2%from previous year
Assessed Value$30,390
Tax Rate7.75%

Location & Comparables

Subject Property
Comparable Sales
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Frequently Asked Questions

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