Welcome to 10681 Road 24.4 Loop, a well-kept ranch-style home in the quiet Highland Terrace neighborhood of Cortez, Colorado. Priced at $360,000, this 4-bedroom, 2-bath residence offers comfortable living in a peaceful rural setting while still being just minutes from town. Built in 1987 and thoughtfully maintained, this 1,568 sq. ft. home sits on .344 acres with mature landscaping, mountain views, and plenty of space for outdoor hobbies. The exterior features durable stucco siding and a metal roof, complemented by practical outbuildings including a metal building, storage shed, wood shed, and a dog kennel—perfect for pets, hobbies, or extra storage. Inside, you’ll find a functional floor plan with a spacious living room centered around a free-standing woodstove, ideal for cozy Colorado evenings. The home’s electric baseboard heating to ensure year-round comfort. The kitchen/dining combo offers room for family meals and is equipped with a range/oven, dishwasher, disposal, and microwave. A large main-level primary bedroom is paired with three additional bedrooms, providing flexibility for family, guests, or a home office. Flooring includes a combination of carpet and linoleum, while double-pane windows improve efficiency. The property is connected to City of Cortez water, has septic sewer, and is serviced by Empire Electric. Outdoor living is enhanced by the partial chain-link fencing and ample yard space, ideal for gardening, gatherings, or simply enjoying the views of the La Plata Mountains. The gravel city street access makes for easy, year-round entry. Located within the Kemper Elementary, Cortez Middle School, and Montezuma-Cortez High School district, this home is well-positioned for families. Outdoor enthusiasts will appreciate being close to Mesa Verde National Park, McPhee Reservoir, and hundreds of miles of trails for hiking, biking, and exploring. With no HOA or covenants, you’ll have the freedom to personalize and use your property to fit your lifestyle. The home qualifies for FHA, VA, Conventional, and Cash financing, making it an accessible opportunity for a variety of buyers. Whether you’re seeking your first home, a place to raise a family, or a comfortable downsizing option, 10681 Road 24.4 Loop combines small-town charm, functional space, and the beauty of Southwest Colorado living.