HUD home for sale in Wheat Ridge, Colorado · Case 052-918011

10630 W 46th Ave, Wheat Ridge

2 bed, 1 bath single family home, 981 sq ft, built 1935.Listed by HUD at $416,000. Open to all bidders. IE (Insured with Escrow), and it qualifies for the FHA $100 down program. Sold as-is, and only a HUD-registered agent can place your bid. That is us, and it costs you nothing.

Call or text 303-955-4220 Search HUD homes on kennarealestate.com How the bidding works

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HUD list price

$416,000

HUD usually takes bids a little under list, and it pays your agent. Ask us what wins.

Who can bid

Open to all bidders

Owner-occupants, investors and nonprofits can all bid. Bids open 09/21/2026 and HUD reviews daily until it sells.

Financing code

IE (Insured with Escrow)

FHA-insurable with a repair escrow. The lender holds the repair money and pays it out after closing. FHA, a 203(k), conventional or cash all work. $100 down applies.

The catch

Sold as-is

HUD fixes nothing and negotiates nothing after the bid. Read the condition report below, then inspect before you bid, not after.

Photos HUD published for 10630 W 46th Ave

10630 W 46th Ave, Wheat Ridge CO, HUD home photo

Photos come from HUD’s listing. Condition changes; see it in person before you bid.

The facts HUD publishes on 10630 W 46th Ave

Address10630 W 46th Ave, Wheat Ridge, CO 80033

CountyJefferson County

HUD case number052-918011

List price$416,000

Listed09/18/2026

Listing periodExtended

Bids open09/21/2026

Eligible biddersAll Bidders

FHA financingIE (Insured with Escrow)

FHA 203(k) eligibleYes

FHA $100 downYes

Bedrooms2

Bathrooms1

Total rooms5

Square feet981

Year built1935

Stories1

Home typeSingle Family Home

Lot14,680 sq ft

HOANone listed

ParkingDriveway (1 space)

FEMA flood zoneNo

Revitalization areaNo

Opportunity zoneNo

Historic districtNo

Airport zoneNo

Open 10630 W 46th Ave in Google Maps to check the drive at your hour.

What the home has

Outdoor Amenities: Patio/Deck, Porch, Fence
Foundation Type: CrawlSpace

What the IE (Insured with Escrow) code means for your loan

FHA-insurable with a repair escrow. The lender holds the repair money and pays it out after closing. FHA, a 203(k), conventional or cash all work. This one is also flagged for the FHA $100 down program: owner-occupants using FHA financing can bring $100 down instead of 3.5%. Get the loan right before you bid: financing a HUD home, this week’s rates, and the lender who files HUD loans every week.

HUD documents for this home

These are HUD’s official PDFs for 10630 W 46th Ave. They open in a new tab. The condition report is the one most buyers skip and most regret skipping.

Closing FAQ 5.17.24 (PDF)How HUD closings work and what they will not do.Property Listing Disclosure (PDF)What HUD is disclosing about the home and the sale.Property Condition Report (PDF)What HUD’s inspector found. Read this before you decide anything.Lead Based Paint Addendum (PDF)Environmental Compliance Record (PDF)Lead paint, flood and other environmental findings.E-Signature Quick Reference Guide (PDF)How the HUD contract gets signed once your bid is accepted.FHA $100 Down Sales Incentive Addendum (PDF)The form that makes the $100 down program part of your contract.

How to bid on 10630 W 46th Ave

Get the right pre-approval. IE (Insured with Escrow) decides the loan type. We can have Mike confirm it in a day.
See it and read the condition report. HUD homes are as-is. Bring a contractor if the report lists anything structural.
Tell us your number. HUD takes the best net bid to HUD. We know what has been winning in Jefferson County.
We place the bid on HUD Home Store. Only a HUD-registered broker can. HUD pays our commission, so you pay us nothing.
Win, sign, close in 30 to 45 days. Earnest money is $500 to $1,000 and goes to HUD’s closing agent.

Call or text 303-955-4220. A live person answers.

Quick answers

Who can bid on 10630 W 46th Ave, Wheat Ridge?

Open to all bidders. Owner-occupants, investors and nonprofits can all bid. Bids open 09/21/2026 and HUD reviews daily until it sells. Only a HUD-registered broker can place the bid; the Kenna Real Estate Group does it at no cost to you because HUD pays the commission.

What loan works for 10630 W 46th Ave, Wheat Ridge?

The listing code is IE (Insured with Escrow). FHA-insurable with a repair escrow. The lender holds the repair money and pays it out after closing. FHA, a 203(k), conventional or cash all work. This home also qualifies for the FHA $100 down program for owner-occupants.

Is 10630 W 46th Ave, Wheat Ridge sold as-is?

Yes. Every HUD home is sold as-is. HUD makes no repairs and does not negotiate after the bid. Read the Property Condition Report on this page and inspect the home before you bid, not after.

Where to go next

Free guide, PDF

The Colorado HUD Home Buyer's Playbook

How HUD bidding really works, the nine ways buyers lose, and the bid worksheet. 18 pages, free.

Get the free guideInstant download. We email you a copy too. No spam, ever.

The Colorado HUD Home Buyer's Playbook cover

Find every home available, not just HUD homes

Advanced home search: every listing on the Colorado MLS, with the full filters, on kennarealestate.com.

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Ask us about 10630 W 46th Ave

Tell us what you are working with and we will tell you honestly whether this HUD home in Wheat Ridge is worth a bid. No cost, no obligation, and nobody sells you anything.

Call or text 303-955-4220

A live person answers. Not a robot, not a phone tree.