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Property Details

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39286 Hart Circle
Elizabeth, CO 80107
Yesterday
REDUCED
$549,900
Active
3
Beds
3
Baths
3
Garage
2,689
Sqft
0.16
Acres
MLS# 7058077
Cumulative Days on Market: 21 · Includes prior listings · Currently listed since 08/20/26 · Data provided by the MLS.

Property Description

Rare 2.875% Assumable FHA Loan Opportunity! Welcome to this beautifully maintained 3-bedroom, 3-bath home in the desirable Independence community of Elizabeth. Thoughtfully positioned backing to expansive open space, this home combines modern comfort, functional living spaces, and an exceptional setting.

Step inside from the covered front porch to a bright, open-concept main level where the kitchen, dining area, and living room flow seamlessly together. The kitchen offers generous workspace and storage and opens directly to the main living areas, creating an inviting space for everyday living and entertaining.

Upstairs, the spacious primary suite features a private en-suite bathroom and large walk-in closet. Two additional bedrooms, a full bathroom, and a conveniently located upstairs laundry room complete the upper level.

The unfinished basement provides excellent potential for future expansion, additional living space, storage, or customization. Outside, enjoy fully landscaped front and back yards along with the added privacy and peaceful views provided by the open space behind the home. A 3-car garage offers plenty of room for vehicles, storage, hobbies, and recreational gear.

Residents of Independence also enjoy access to community amenities, including scenic trails, a community pool, and fitness facilities.

Financing opportunity: Qualified buyers may have the opportunity to assume the seller’s existing FHA mortgage at an approximately 2.875% interest rate, subject to lender approval, buyer qualification, loan assumption requirements, and verification of all loan terms and balances.

Don’t miss the opportunity to own a beautifully maintained home with an outstanding combination of space, location, amenities, and potentially significant financing advantages.

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Property Highlights

Property Type
Residential
Property Sub Type
Single Family Residence
Bedrooms
3
Total Bathrooms
3
Living Area
1,863
Price / Sqft
$295
Acres
0.16
Year Built
2021

Location

City/Township
Elizabeth
Subdivision
Independence
County
Elbert

Property Details

Price
$549,900
Property Type
Residential
Property Sub Type
Single Family Residence

Building

Structure Type
House
Levels
Two
Total Area
2,689

Community

Local Schools

Elementary School
Singing Hills
Middle School
Elizabeth
High School
Elizabeth
School District
Elizabeth C-1

Interior Features

Bedrooms and Bathrooms

Total Bathrooms
3
Bathrooms on Main Level
1
Full Bathrooms
1
1/2 Bathrooms
1
3/4 Bathrooms
1
Bedrooms
3

Rooms and Basement

Has Basement
Yes
Basement Features
Unfinished

Area and Spaces

Living Area
1,863
Above Grade Finished Area
1,863

Heating and Cooling

Heating Features
Forced Air

Building Details

Construction

Year Built
2021

Materials

Construction Materials
Frame
Roof
Composition

Terms

Terms

Ownership
Individual
Exclusions
Seller’s personal property and any staging items, furniture, décor, and other non-fixture items are excluded unless otherwise agreed to in writing.
Special Conditions
None
Special Terms
Cash, Conventional, FHA, VA Loan

Taxes

Tax

Tax (Annual)
$5,703

HOA

Has HOA
Yes
Association Ammenities
Fitness Center, Park, Playground, Pool, Tennis Court(s)
Association Fee Includes
Recycling, Trash

Heating, Cooling & Utilities

Cooling Features
Central Air

Utilities

Sewer
Public Sewer
Water Source
Public

Lot

Acres
0.16
Lot Size
0.16
Lot Size Area Sq Ft
6,969.60
Lot Features
Open Space

Exterior Features

Patio And Porch Features
Covered, Patio

Parking

Total Parking Spaces
3
Garage Capacity
3
Listed by Mackenzie Jackson LLC, 719-257-8023
Listing Data last updated 09/10/2026 02:40 am
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All estimates and provided for informational purposes only. Actual amounts may vary. The output of the tool is not a loan offer or solicitation, nor is it financial or legal advice. Information, rates, programs and loan scenarios shown are for example only as of 10-Sep-2026 and are subject to change without notice. Interest rates provided by the St. Louis Federal Reserve Economic Data (FRED). All products are subject to credit and property approval. Not all products are available in all states or for all loan amounts. Other restrictions and limitations apply. Contact your preferred lender for the pricing associated with your specific transaction. Calculations are generated by Open Source mortgage calculation software tools using common mathematical formulas. All calculations should be independently verified.
Assumptions and Disclosures
  • Interest rates and APRs presented are based on current market rates, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables - call for details.
  • This is not a credit decision or a commitment to lend.
  • Depending on loan guidelines, mortgage insurance may be required
  • If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be available.
  • APR (annual percentage rate) reflects the effective cost of your loan on a yearly basis, taking into account such items as interest, most closing costs, discount points (also referred to as "points"), and loan-origination fees. One point is 1% of the mortgage amount (e.g., $1,000 on a $100,000 loan).
  • Your monthly payment is not based on APR, but instead on the interest rate on your Note.
  • Adjustable Rate Mortgage (ARM) rates assume no increase in the financial index after the initial fixed period. ARM rates and monthly payments are subject to increase after the fixed period.
  • These special rates presented here are only available when you pre-qualify and are not guaranteed until lock-in.
  • Amounts may be rounded up. Additional fees and closing costs apply. If the down payment is less than 20%, mortgage insurance may be needed, which could increase the monthly payment and APR.
  • Calculations are generated by Open Source mortgage calculation software tools using common mathematical formulas. All calculations should be independently verified.
  • Please contact a loan specialist to get specific payment examples and information regarding your particular needs.
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Property History

Today
Property information last updated
Yesterday
Date of last price change
21 days ago
Status Active. This is the date the listing was placed on market.
Cumulative Days on Market: 21 days (includes prior listings) · Currently listed since August 20, 2026. Data provided by the MLS.

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39286 Hart Circle - MLS#7058077 - $549,900
Listed by Mackenzie Jackson LLC, Alexis SmithIDX Logo
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