The median sale price for a home in Greeley, CO, sits around $427,767, with properties spending roughly 54 days on the market. Buyers looking in the western part of the city for the best neighborhoods in Greeley often find themselves weighing Kelly Farm vs Cottages at Kelly Farm - trying to figure out which one actually fits their budget and how they want to live. Both developments sit about five miles west of downtown Greeley, but they're genuinely different places with different property types and neighborhood structures.
They share a name and a general location, and that's about where the similarities stop. The main Kelly Farm area is mostly single-family homes built over the last couple of decades. The Cottages at Kelly Farm is newer townhome construction. The differences in home styles, association fees, and amenities matter more than people expect, so it's worth slowing down and looking at each one on its own terms.
Neighborhood Locations and Community Development
Kelly Farm sits in west Greeley near the intersection of 47th Avenue and 16th Street. The neighborhood was established approximately 25 years ago, with most of the original homes built in the late 1990s and early 2000s. Multiple builders contributed over time, which is why you'll notice a series of small, interconnected subdivisions rather than one uniform look.
The Cottages at Kelly Farm is a newer chapter in the same general area - built by Benchmark Custom Homes, a locally owned Northern Colorado builder, around 4th Street and 59th Avenue. Where the main neighborhood spread out into single-family lots, this section went a completely different direction: attached townhome living, full stop.
Access to Parks and Trails
Both subdivisions put you close to Greeley's outdoor recreation spaces. The Poudre River Trail is accessible via the Signature Bluffs Natural Area Trailhead on 71st Avenue. Coyote Run Park, Rover Run Dog Park, and Kelly Farm Park off 54th Avenue are all nearby as well.
These are public municipal facilities, so residents from both the main subdivision and the townhomes use them on equal footing. Paved walking paths, open fields - straightforward, functional green space for daily use.
Nearby Dining and Shopping
This part of west Greeley is convenient for daily errands. Grocery options include Walmart, Safeway, and Food King. For dining, residents tend to frequent Coyote's Southwestern Grill, Fuzzy's Taco Shop, and Rule105 Brewing. Ziggi's Coffee is nearby if you need something quick before heading out in the morning.
Home Styles and Real Estate Pricing
The Greeley market currently carries about 3.4 months of supply, which gives buyers some room to negotiate - though homes are still selling for roughly 99.6% of list price, so don't assume you'll find a lot of flexibility. Properties in both Kelly Farm and the Cottages tend to price above the citywide median of $427,767. The real distinction between the two comes down to what kind of home you're buying and how much land comes with it.
Traditional Kelly Farm properties are predominantly single-family houses with private yards. The Cottages at Kelly Farm offers exclusively townhomes ranging from 1,707 to 1,856 square feet. That's the core trade-off: a larger private lot on one side, a lower-maintenance footprint on the other.
Traditional Kelly Farm Listings
The median home price in the broader Kelly Farm neighborhood runs around $593,850, though the median sale price over the last 12 months came in slightly lower at $539,500. Recent data shows roughly 12 available homes in the area, alongside a handful of new construction properties and townhouses. Given 25 years of development by multiple builders, you'll see a real mix of architectural styles. Some newer sections of the main Kelly Farm community also feature townhomes, priced between $580,000 and $594,000.
Cottages at Kelly Farm Townhomes
The Cottages at Kelly Farm townhomes are priced between $579,600 and $598,750, with about three properties recently listed for sale. Being newer Benchmark Custom Homes builds, they're an alternative to the older inventory elsewhere in the area - but there are currently no ready-to-move options, so factor construction timelines into your planning if you're considering one.
Homeowners Association Fees and Amenities
The two developments operate under completely separate HOAs, and the rules aren't the same. The broader Kelly Farm neighborhood has an active Homeowners Association that enforces community guidelines - front yard upkeep, no RV or trailer parking in driveways - and organizes community events at a local clubhouse.
The Cottages at Kelly Farm runs its own distinct HOA. Residents there pay $295 per month, which goes toward maintaining the neighborhood and preserving property values for the attached townhomes.
Pool and Racquet Association Memberships
Here's where buyers sometimes get tripped up. The Kelly Farm outdoor pool and tennis courts are run by the Kelly Farm Pool and Racquet Association - a members-only organization, not something either HOA automatically includes. Membership is open to anyone interested, not just residents of the main subdivision. So if you buy in the Cottages, you can join the pool and racquet club separately; your $295 monthly HOA fee doesn't cover it on its own.
Checking Local Property Records
Before you close on anything in this area, pull the Weld County public records. They'll give you official data on lot lines, tax assessments, and zoning - and they'll confirm exactly which subdivision a property actually belongs to. You can access the Weld County assessor's portal online directly.
Frequently Asked Questions
What is the main difference in home styles between the main Kelly Farm neighborhood and the Cottages at Kelly Farm in Greeley?
The main Kelly Farm neighborhood primarily features traditional single-family homes built over the last 25 years by various builders. The Cottages at Kelly Farm exclusively offers newer townhomes built by Benchmark Custom Homes, ranging from 1,707 to 1,856 square feet.
Are the Cottages at Kelly Farm an age-restricted 55+ community?
No, there is no age restriction noted for the Cottages at Kelly Farm. It's a standard townhome development constructed by Benchmark Custom Homes.
How do HOA fees compare between the two sections, and what specific maintenance is covered in the Cottages?
The Cottages at Kelly Farm charges a monthly HOA fee of $295 to maintain the neighborhood and preserve property values. The broader Kelly Farm neighborhood has an HOA that enforces rules like yard upkeep and driveway parking, though specific fee amounts vary and should be verified directly.
Do residents of the Cottages have full access to the main Kelly Farm pool and community amenities in West Greeley?
No - access to the outdoor pool and tennis courts isn't automatically included in the Cottages' HOA fee. That said, the Kelly Farm Pool and Racquet Association is open to anyone interested, so Cottages residents can purchase a membership separately.
How do average home prices compare between traditional Kelly Farm houses and the patio homes in the Cottages?
They're relatively close. Traditional Kelly Farm homes show a median price around $593,850, while the newer townhomes in the Cottages at Kelly Farm are currently priced between $579,600 and $598,750.
Are there different HOA restrictions for renting out your home in the Cottages versus the main Kelly Farm subdivision?
It depends on the specific covenants for each subdivision. Because they operate under separate Homeowners Associations, rental rules are governed by each development's own documents - something buyers should review carefully before purchasing.