HUD home for sale in Pueblo, Colorado · Case 053-179803
1831 Spruce St, Pueblo
2 bed, 1 bath single family home, 788 sq ft, built 1931.Listed by HUD at $119,000. Open to all bidders. UI (Uninsured), 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. HUD typically offers buyer-broker compensation as shown in the property's listing and sales documents, and we explain any buyer-broker compensation before you sign an agreement.
Call or text 303-955-4220 and a live person answers. Not a robot, not a phone tree.
$119,000
HUD usually takes bids a little under list, and it pays your agent. Ask us what wins.
Open to all bidders
Owner-occupants, investors and nonprofits can all bid. Bids open 10/13/2026 and HUD reviews daily until it sells.
UI (Uninsured)
Repairs are too big for a plain FHA loan. You need an FHA 203(k) rehab loan, a conventional renovation loan, or cash. Bid with a regular FHA pre-approval and you lose it at the appraisal. $100 down applies.
Sold as-is
HUD fixes nothing and negotiates nothing after the bid. Read the condition report below, then inspect before you bid, not after.
Verified HUD home. Checked against HUD Home Store on Oct 10, 2026 8:22 am Mountain time. Official source: HUD Home Store guidance at hud.gov; if anything differs, the federal listing controls.
What comes from where: the address, price, listing code, case number and bid dates are HUD Home Store case data; photos and MLS details come from the MLS through kennarealestate.com; the explanations, estimates and any payment figures are the Kenna Real Estate Group’s own and are not verified by HUD. If anything differs, the federal listing controls.
Photos HUD published for 1831 Spruce St
Photos come from HUD’s listing. Condition changes; see it in person before you bid.
The facts HUD publishes on 1831 Spruce St
Open 1831 Spruce St 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 UI (Uninsured) code means for your loan
Repairs are too big for a plain FHA loan. You need an FHA 203(k) rehab loan, a conventional renovation loan, or cash. Bid with a regular FHA pre-approval and you lose it at the appraisal. 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 works HUD loans regularly.
HUD documents for this home
These are HUD’s official PDFs for 1831 Spruce St. They open in a new tab. The condition report is the one most buyers skip and most regret skipping.
How to bid on 1831 Spruce St
- Get the right pre-approval. UI (Uninsured) 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 Pueblo County.
- We place the bid on HUD Home Store. Only a HUD-registered broker can. HUD typically offers buyer-broker compensation as shown in the property’s listing and sales documents, and we explain any buyer-broker compensation before you sign an agreement.
- 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 1831 Spruce St, Pueblo?
Open to all bidders. Owner-occupants, investors and nonprofits can all bid. Bids open 10/13/2026 and HUD reviews daily until it sells. Only a HUD-registered broker can place the bid; the Kenna Real Estate Group places it. HUD typically offers buyer-broker compensation as shown in the property's listing and sales documents, and we explain any buyer-broker compensation before you sign an agreement.
What loan works for 1831 Spruce St, Pueblo?
The listing code is UI (Uninsured). Repairs are too big for a plain FHA loan. You need an FHA 203(k) rehab loan, a conventional renovation loan, or cash. Bid with a regular FHA pre-approval and you lose it at the appraisal. This home also qualifies for the FHA $100 down program for owner-occupants.
Is 1831 Spruce St, Pueblo 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
$100 Down: The HUD Home Financing Guide
The $100 down rule, CHFA, HUD paying your closing costs: the stack that gets a buyer in for about $1,000. 14 pages, free.
Why you want it before you bid:
- Which listings qualify for $100 down and how to spot them (the IN and IE codes)
- What you still pay at closing, line by line, with a real example
- How $100 down stacks with CHFA, metroDPA and Good Neighbor Next Door
Find every home available, not just HUD homes
Advanced home search: every listing on the Colorado MLS, with the full filters, on kennarealestate.com.
Opens kennarealestate.com, the Kenna Real Estate Group’s full MLS search. HUD homes only? Use the tiles and the map on this site.
Ask us about 1831 Spruce St
Tell us what you are working with and we will tell you honestly whether this HUD home in Pueblo 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.
