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Owner finance

$138,880

10200 W Highway 160

Pagosa Springs, CO 81147

Listed by

Michael Knapp, Best of Pagosa Springs · (970) 903-3431

What the listing says

Colorado Dream Cabin Opportunity Live Creekside While You Build Live comfortably in your RV while you build your Colorado Dream Cabin on the creek! Owner may consider partial seller financing. This ready-to-build creekside property is fully set up so you can start enjoying it immediately. A beautiful 2024 Keystone Montana 42 fifth-wheel currently rests on a shaded, thoughtfully designed RV site beneath mature ponderosa pines, overlooking 500 feet of Stollsteimer Creek frontage. 2024 Montana RV may be included for an additional $55,000. 5th wheel was purchased new in 2025, has been lived in since being sold as is, no warranty. No HOA. No covenants. Just freedom. The property is fully fenced, offers exceptional privacy and if your dream is a 2 story cabin then you will unlock even more amazing views of the Mountains!! with no immediate neighbors, mountain views, and easy, convenient access to Highway 160, just 7 minutes from town. Flood-Safe & Build-Ready The entire approved building envelope is completely outside the floodplain and remained safe and unaffected during the recent 100-year flood, providing peace of mind for your future cabin build. All the heavy lifting has already been done making this an incredibly easy and flexible opportunity whether you plan to build now or enjoy RV living while you design your dream cabin. Improvements & Infrastructure Already in Place: 20 x 36 approved building envelope (out of the floodplain) with 220-volt service Space designed for a 10 covered porch 30 & 50-amp RV hookups on a comfortable, shaded RV pad Water cistern installed Well permit in hand, with excellent potential to easily add a shallow well near the creek Recently approved VAULT septic permit (estimated cost approx. $6,000) Site plan survey completed a copy of the recent survey is easily shareable Horse fencing and a new, site-built large double horse stall Very nice shipping container for secure storage Rare Creek Ownership & Land Use Potential You own both sides of the creek, a rare and valuable feature that enhances privacy, usability, and long-term value. With a little selective clearing, there is excellent potential to open up a beautiful creekside meadow ideal for livestock, grazing, or additional pasture, while still maintaining the natural riparian setting. Endless Colorado Lifestyle Potential With the unique ability to irrigate directly from Stollsteimer Creek at zero cost, imagine creating a thriving fruit orchard, gardens, or small agricultural setup, all while enjoying peaceful creekside living. This property offers multiple use possibilities RV living, Colorado dream cabin build, equestrian use, livestock, or long-term investment.

See the original listing ↗

This listing mentions owner financing. Terms are set by each seller and are negotiable. The description and numbers come from the listing and Zillow; confirm availability, the price and any financing with the seller or their agent.

Property Details

Property Type

Land

HOA

None

More owner-financed homes near Pagosa Springs

Questions about owner financing in Pagosa Springs

What is owner financing for 10200 W Highway 160?

Owner financing means the seller of 10200 W Highway 160 acts as the lender. Instead of getting a mortgage from a bank, you make monthly payments directly to the property owner. The listing for this Pagosa Springs, CO home mentions owner financing; confirm it with the seller.

Do I need good credit for owner financing?

There's no bank approval, but each seller sets their own requirements. Some check credit, income or references; others don't. Ask the seller or their agent what they need.

How much is the down payment for this Pagosa Springs home?

There is no standard down payment. The seller of this Pagosa Springs home sets their own, and it is negotiable. Ask the seller or their agent.

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