Anthem Ranch
True Cost 2026

HOA, Broomfield County property tax, insurance, and the senior exemption math for Denver's most sought-after 55+ community.

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What You Actually Pay

HOA Fee~$225/month — covers common area maintenance, trails, and the Aspen Lodge
Recreation CenterIncluded in HOA — no additional amenity fee
Property Tax RateBroomfield County — approximately 0.55% effective rate
Property Tax on $650K Home~$3,575/year (~$298/month) before senior exemption
Senior Exemption (65+, 10yr)Reduces taxable base by $100K — saves ~$550/year after qualifying
Home Insurance (est.)$1,800–$2,800/year depending on coverage and home size
GolfNo on-site golf — nearest course is Broadlands, ~5 minutes

All-In Monthly Estimate — $650K Home

Cost ItemMonthly Estimate
HOA Fee~$225
Property Tax~$298
Homeowner’s Insurance~$183
Total Non-Mortgage Monthly~$706/month

Does not include mortgage, utilities, or HOA special assessments. Verify the current HOA fee directly with the association before purchase.

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The 10-Year Senior Exemption Clock

Colorado’s Senior Property Tax Exemption requires 10 years of continuous ownership. Out-of-state buyers moving to Anthem Ranch pay full taxes for their first decade — roughly $3,575/year at the $650K price point. Build this into your 10-year cost model rather than assuming the exemption applies immediately.

Lot position swings price far more than most buyers expect. The differential between a mountain-view lot and an interior lot can be $75,000–$150,000+. When comparing costs across listings, always confirm which category a comparable falls into before drawing conclusions from list price alone.

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