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Deed Restricted Properties for Locals

Summit County understands it is expensive to live here. We need workers in a variety of positions, not just high paying professionals. In order to keep housing more affordable for lower income earners, Summit County has made some properties available only for people that live and work in the county. No second homeowners allowed!

Those properties are known as deed restricted properties. Some properties have limits on appreciation or income. Other properties can be owned by someone out of state as long as someone that works in the county lives there full time. Each property can be different but they all share the restriction that the occupant must live and work in the county for a minimum of 30 hours a week.

If you like new construction there have been several recent developments of deed restricted homes around the county. You have to get in on these early in the process as they generally sell out.

Summertime in Summit County

Deed Restricted Properties

Truly a rare find; A 4 bedroom home in the coveted Wellington Neighborhood. Many updates to this charming home from refinished hardwoods on main floor common areas, Luxury Vinyl Plank flooring for practicality in new hall bath and rear hall, upgraded wall to wall carpeting in the bedrooms for added warmth. Updated kitchen with stainless appliances, granite counters, tiled back-splash and butcher block island with all new lighting and fixtures throughout. 3 total baths; 2 freshly updated full baths, and a completely remodeled 3/4 bath with large walk-in tiled shower. Cozy and recently serviced gas fireplace, new gas furnace with super air filtration system and smart thermostat, new hot water heater and a new roof install contracted for summer 2025, 2 car detached garage with extended loft above for storage and an additional parking pad. Concrete patio with propane gas stove fire pit seating area. It's all set up and wired for a hot tub! Home is furnished and move in ready. Location, location, location… near historic downtown Breckenridge Main Street. Mature trees, large corner lot, all day sun with mountain and ski area views, across from river, hiking trails, parks, green space, bike park and Free Ride bus stop or walk the one mile to town. Owner is a Colorado licensed real estate broker. Lives like a market home. Light Deed Restriction: A single (1) home owner or tenant must work in Summit County for at least 30 hours weekly. NO INCOME CAPS, NO APPRECIATION CAPS. Investors welcome. Get ready to start your life in this exceptional mountain community. Its’ truly a must see! $1,475,000 Active

38 Huckleberry Breckenridge, Colorado

4 Beds 3 Baths 1,860 Sq Ft

Just three minutes from the heart of downtown Breckenridge, this unique 4-bedroom property offers sweeping mountain views and exceptional lifestyle flexibility. With three distinct lock-off units—a 2-bedroom/1-bath main residence, a 1-bedroom apartment, and a studio—this home presents a rare opportunity to live in Breckenridge while generating meaningful rental income. Summit County-approved for long-term rentals, the property is ideal for investors, multi-generational living, or anyone seeking to offset expenses with tenant revenue. A deed restriction requires that the studio and 1 bedroom unit be rented to a locally employed, full-time resident—making this a strong choice for those who want to support the local workforce while enjoying mountain living. Additional highlights include a sunny deck, fenced yard, convenient access to the bus route, no HOA or transfer tax, and a freshly repainted exterior. Whether you're seeking a primary residence, investment property, or hybrid living scenario, this is a smart and adaptable option in an unbeatable location. $1,250,000 Active

1981 Boreas Pass Road Breckenridge, Colorado

4 Beds 3 Baths 1,606 Sq Ft

Price reduced every Thursday until under contract.  Excellent location for this lightly deed restricted 3 bedroom townhome.  Primary suite with walk-in closet. Bedrooms and bathrooms are all on the same level. Half bath on main level . Open floor plan with kitchen accessing dining area and living room area.  Walking distance to town, City Market, shops, restaurants or a 5 min free bus ride to the gondola.  Rec Center next door with tennis courts, swimming pools, hot tubs, exercise facilities and with direct access to the paved bicycle paths and Blue River.. One assigned parking space directly in front of the unit, guest overflow parking available.   Mountain views from the upstairs bedrooms.  Large crawl space storage area.  HOA replace roof 2 years ago.  Brand new carpets, new appliances including refrigerator, gas range, microwave hood combo, dishwasher, washing machine and dryer.  Sold furnished. $935,000 Active

856 Kingdom 856 Breckenridge, Colorado

3 Beds 3 Baths 1,320 Sq Ft

Charming deed-restricted single-family home in Peak 7! This property offers flexibility with a light deed restriction — the occupant must work 30+ hours/week in Summit County, but ownership is open to investors. Set in a peaceful location backing to beautiful wetlands, this home has space for all your mountain gear and toys. With no HOA, you can park your RV or trailer right in the driveway. A storage shed out back adds extra room for equipment. Relax after a day of adventure in the private hot tub and enjoy peace of mind with a full backup generator already in place. You're also close enough to walk to dining along Airport Road while enjoying the quiet and space that Peak 7 living provides. A great opportunity to own a slice of Breckenridge with comfort, flexibility, and convenience. $875,000 Active

764 Blue Ridge Road Breckenridge, Colorado

3 Beds 2 Baths 1,247 Sq Ft

Walk to town from this updated 2 bed, 1 bath Forest Haus condo! Light deed restriction: no appreciation cap, occupant must work 30+ hr/week in Summit County, investors welcome. Enjoy mountain-style living in this cozy condo with a wood burning fireplace, direct mountain views from both bedrooms, updated kitchen and bathroom, new LVP flooring in the living room and assigned parking + extra storage in the heated garage. Inclusive HOA dues cover most monthly expenses. HOA installed new boiler system June 2025 and a new roof in 2020. Take advantage of in-town living with nearby community amenities such as tennis & pickle ball courts, sand volleyball, and the dog park, as well as easy access to skiing via the nearby bus route or by following a path through town to Peak 9. This is a great opportunity for investors or business owners in need of employee housing! $680,000 Active

311 S High Street 108 Breckenridge, Colorado

2 Beds 1 Baths 754 Sq Ft

Introducing Camber Townhomes in Keystone, Colorado – a new development offering 14 beautifully designed homes, with just TWO deed restricted units available. This DEED RESTRICTED, east-facing 2-bedroom, 2-bath unit features an open-concept living area, covered parking, and additional surface parking. NO APPRECIATION CAPS. Units are available to those making up to 180% of AMI. For a household of 1, a maximum of $167,580. A household of 2, a maximum of $191,520. A household of 3, a maximum of $215,460. Purchaser must be qualified by the Summit Combined Housing Authority. Local employers may also qualify to purchase units. $649,329 Active

0620 Montezuma Road B-2 Keystone, Colorado

2 Beds 2 Baths 1,037 Sq Ft

Introducing Camber Townhomes in Keystone, Colorado – a new development offering 14 beautifully designed homes, with just TWO deed restricted units available. This DEED RESTRICTED, west-facing 2-bedroom, 2-bath unit features an open-concept living area, covered parking, and additional surface parking. NO APPRECIATION CAPS. Units are available to those making up to 180% of AMI. For a household of 1, a maximum of $167,580. A household of 2, a maximum of $191,520. A household of 3, a maximum of $215,460. Purchaser must be qualified by the Summit Combined Housing Authority. Local employers may also qualify to purchase units.  Local employers may also qualify to purchase units. $599,000 Active

0616 Montezuma Road A-2 Keystone, Colorado

2 Beds 2 Baths 1,037 Sq Ft

Deed Restricted. This residence can be investor owned but must be occupied by local workers who work a minimum of 30 hours a week in Summit County by a Summit County business. Deed restriction is attached to the listing in the MLS. Incredible North Breckenridge location!
Don't miss the opportunity to own a nicely updated 2 bedroom duplex in Breckenridge. This home has a massive kitchen with tons of storage and cabinets. Slab granite countertops and lots of windows drenching in sunlight. Ample storage throughout this residence. Large west facing deck with lots of trees for privacy. Primary bedroom is a walk-out with a private gas fireplace. No HOA fee makes this property very attractive. New roof in 2018. $575,000 Active

1310 Baldy Road D Breckenridge, Colorado

2 Beds 2 Baths 1,120 Sq Ft

Come one, come all to this incredible property located on the Ten Mile creek and just a few steps to Main Street. This is an opportunity like no other for the local workforce buyer or an investor needing housing for an employee. Anyone can own it, but the tenant or occupant must be a local Summit County worker. There is no other restriction or appreciation cap. The unit is on the top floor with beautiful views of the surrounding mountains. Relax in the clubhouse with a pool and hot tub. Close to the bus route to Copper Mountain and surrounding ski areas. Enjoy the sounds of the creek out the back on a private balcony. A large closet can accomadate a stackable washer and dryer with the HOAs permission. $575,000 Active

222 Creekside Drive 308 Frisco, Colorado

2 Beds 2 Baths 765 Sq Ft

SELLER WILL CREDIT A YEAR OF ASN DUES! ANYONE CAN OWN THIS PROPERTY! "Light" deed restriction means occupant (owner or tenant) must WORK IN SUMMIT COUNTY at least 30 hours per week.  No income or appreciation cap. Excellent workforce housing solution. Bright and updated condo at the base of Buffalo Mountain in Wildernest! Enjoy an OVERSIZED balcony with breathtaking Continental Divide views. Features include pine T&G ceilings, newer interior paint, quartz kitchen countertops, and a coveted in-unit W/D. Wood and slate floors & newer flooring in the front bedroom. Recent subdivision-wide upgrades: storm doors, windows, roof, siding (2020), and refreshed decks, plus upgraded wiring, pigtails, protected outlets, and more. Monthly dues cover everything but electric -- even heat, cable/internet, and water/sewer. Steps from the free shuttle and trailheads for easy mountain access! $530,000 Active

2407 Ryan Gulch Court 2407 Silverthorne, Colorado

2 Beds 1 Baths 792 Sq Ft

Set in a prime location for the active mountain lifestyle, this home is located just around the corner from hiking and biking trails and a quick bus ride to Main Street and Breckenridge Resort. Meticulously maintained and move-in ready, this home boasts Samsung Wi-Fi-enabled appliances, updated cabinetry, and in-home laundry. The central living area features a high-efficiency wood-burning fireplace and opens to a spacious deck with Ten Mile Range views. After a long day, enjoy both the comfort and privacy this home provides with two bedrooms each featuring their own ensuite bath. There is ample storage throughout, including a mud room and vapor barrier-sealed crawlspace for storing your seasonal gear. Per the Restrictive Covenant, the property must be occupied by at least one person who works 30+ hours per week in Summit County and has an annual 3% appreciation cap. $525,000 Active

120 Atlantic Lode 1 Breckenridge, Colorado

2 Beds 2 Baths 812 Sq Ft

Introducing Miller Flats, new construction one-bedroom deed-restricted condominiums centrally located in Summit County between downtown Breckenridge and Frisco, directly across from White River National Forest. Free bus picks up in front of building providing easy access to downtown, skiing, golf, and the Rec Center. This penthouse one-bedroom condominium features a private deck off the living area, luxury vinyl tile in the kitchen and bathrooms and carpet in the bedroom. Dedicated parking space with ample guest overflow with all exterior maintenance provided by the Homeowner's Association. Laundry room located in the unit with storage area for your gear and equipment. Access hiking trails, miles of bike path all located next to the Blue River and White River National Forest at Miller Flats. Occupancy is required
and must work 30 hours in the county to qualify. Estimated Delivery is January 2026. $488,000 Active

350 Stan Miller 302 Breckenridge, Colorado

1 Beds 1 Baths 646 Sq Ft

VIEW ALL DEED RESTRICTED PROPERTIES

About Us

Mountain Living Real Estate, a.k.a. The Mountain Living Team, is a family owned, second generation, real estate company that has been helping buyers and sellers in Summit County since the early 90’s.  Mountain Living Real Estate is committed to going above and beyond to ensure their clients have the most amazing real estate experience possible.  Jason & Meredith take a personal approach to educate their clients, empowering them to make high quality decisions no matter the situation.  They take exceptional care throughout the sales process and beyond; striving to make each client’s path in Summit County one filled with fun, excitement & great memories.

Work with Mountain Living Real Estate and you’ll understand why so many people say, “We Love Mountain Living!”

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The help we received was very good. You always followed thru. You have helped us with two transactions and we would definitely use Mountain Living Co. again.

John & Darrelyn from Boulder August 27, 2024

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Contact Us


Jason and Meredith Adams

Jason & Meredith Adams
Mountain Living Real Estate

101 Main St, #109, PO Box 4115 Frisco, CO 80443

(888) 666-0844
team@mountain-living.com

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Jason & Meredith Adams are both licensed to sell real estate in the state of Colorado

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