Fort Morgan Homes with Finished Basement

Welcome to Fort Morgan, Colorado – a charming city nestled in the heart of Morgan County, where the spirit of the West meets modern living. Known for its friendly community and rich history, Fort Morgan offers a unique blend of small-town charm and convenient amenities. With its picturesque landscapes and vibrant downtown, it’s no wonder that families and professionals alike are drawn to this welcoming locale.

One of the standout features of homes in Fort Morgan is the availability of properties with finished basements. These versatile spaces provide endless possibilities – whether you envision a cozy family room, a home office, a play area for the kids, or a guest suite for visiting friends and family. Finished basements not only add valuable square footage but also enhance the overall functionality of the home, making them a sought-after feature for many buyers.

Fort Morgan is surrounded by stunning natural beauty, with easy access to outdoor activities such as hiking, fishing, and biking. The city is also home to excellent schools, parks, and local shops, ensuring that residents have everything they need right at their fingertips. Whether you are looking to settle down or invest in a rental property, Fort Morgan’s real estate market offers a variety of options, including homes with finished basements that cater to diverse lifestyles.

Come explore the charm of Fort Morgan, where your dream home with a finished basement awaits! Embrace the opportunity to create lasting memories in a community that feels like home.

Newest Fort Morgan Homes with Finished Basement

$370,000

5 Beds ⋅ 2 Baths ⋅ 3618238 MLS

Welcome to this beautifully updated home where thoughtful improvements and modern conveniences come together! Major updates include a roof replaced in 2022, a boiler replaced in 2023, new flooring in 2025, fresh interior paint in 2026, and exterior paint completed in 2025. The finished basement provides additional living space and flexibility for a home office, recreation room, guest space, or whatever suits your needs. Outside, the backyard offers even more possibilities with a spacious 20x60 concrete pad, perfect for entertaining, parking, recreation, or creating your ideal outdoor setup. The sprinkler system can conveniently be controlled right from your phone, making yard maintenance a breeze. The AC and furnace have been serviced and are working as they should, and all appliances are included with the sale. With extensive updates already taken care of, this home is ready for its next owner to move in and enjoy!

509 Ash St, Fort Morgan

$429,000

3 Beds ⋅ 2 Baths ⋅ 6835722 MLS

Nearly 2,500 finished square feet, a main-level primary suite, finished basement, attached 2-car garage, and NO HOA—904 Diana St offers the space buyers want with the convenience of ranch-style living. Step inside to hardwood floors, a bright living area, and an updated kitchen with newer appliances and a large island. Two bedrooms are located on the main level, including an oversized primary suite with its own private bath, walk-in shower, generous closet space, and a bonus area ideal for a home office, reading nook, or dressing area. The fully finished basement nearly doubles the usable living space with a large second family room, additional bedroom and bathroom—giving you flexibility for guests, hobbies, a home gym, game room, or separate living space. Outside, mature trees add shade and character to the front of the home, while the fully fenced backyard was designed for easy maintenance with xeriscaping, concrete and a covered patio. An attached 2-car garage adds even more everyday convenience. Located in an established Fort Morgan neighborhood near Green Acres Elementary, parks, shopping, downtown, the hospital and I-76. If you've been looking for a move-in-ready ranch with room to spread out—without the upkeep or HOA—this one deserves a look.

904 Diana St, Fort Morgan

$850,000

3 Beds ⋅ 2 Baths ⋅ 2623247 MLS

There’s a place where the horizon still stretches wide, where mornings start with the call of cattle and end under a sky full of stars. That place is 17754 County Road JJ in Fort Morgan, Colorado - a 320-acre working farm built for those who still believe in the American dream of open land, honest work, and the satisfaction of doing things your own way. This property captures the spirit of the West. Strong, capable, and beautifully self-reliant. The 3-bedroom, 2-bath farmhouse blends rustic charm with modern comfort: new flooring throughout, an updated bathroom with wood-look tile bathtub/shower combo, plus a new roof, new septic system, and new well pump. Large windows draw in miles of golden prairie light, reminding you every day what space and freedom really feel like. The land itself is ready to work. A classic barn with four stalls and a hayloft for 700+ small bales supports livestock and horses alike. And when it’s time to roll up your sleeves, the fully finished 2,400-square-foot workshop is a dream setup - 220W electric, compressed-air lines, and two commercial overhead doors perfect for RV storage, welding, or mechanical work. This isn’t just property, it is a lifestyle, a legacy, and a return to what matters. Whether you’re continuing a family tradition, starting a new chapter, or simply chasing the wide-open promise of the prairie, this ranch delivers. Welcome home, where the Wild West lives on in the modern day. Strong, steady, and ready for whoever’s bold enough to call it home.

17754 County Road Jj, Fort Morgan

$880,000

6 Beds ⋅ 3 Baths ⋅ 4643522 MLS

**Interior Photos Coming** Welcome to 33 Stagecoach Lane, an impressive property where spacious living, thoughtful details, and exceptional amenities come together on a beautifully landscaped setting. A circular drive, fountain, covered front porch, mature trees, and expansive grounds create a memorable first impression. Inside, the bright living room features tall ceilings, large windows, rich flooring, and an open connection to the dining area and kitchen. A dramatic stone fireplace stands at the center of the home, adding warmth and character while defining the surrounding spaces. The kitchen features rich wood cabinetry, granite countertops, a detailed tile backsplash, generous prep space, and a curved breakfast bar. A breakfast nook and separate dining area provide plenty of room for everyday meals and larger gatherings. The spacious primary suite includes a tray ceiling, direct patio access, a walk in closet, and a five piece bathroom. Two additional bedrooms and another full bathroom complete the main floor. Downstairs, the expansive recreation room offers even more room to spread out, with a wet bar, fireplace, three additional bedrooms, and one full bathroom that also includes the laundry area. Outdoor spaces are just as impressive. A large covered patio creates a comfortable place to enjoy the peaceful surroundings, while the hot tub deck and built in outdoor cooking area add to the experience. The fenced grounds also feature a private basketball court and abundant room for recreation. A remarkable six car detached garage provides extensive parking, storage, and workspace, while the attached garage and covered drive add even more convenience. Located near Fort Morgan’s parks, recreation facilities, golf course, downtown shopping, and dining this home combines a private setting with convenient access to town. With generous living space, exceptional garage capacity, and great amenities, this property truly stands apart. Come fall in love today!

33 Stagecoach Ln, Fort Morgan

$369,000

4 Beds ⋅ 3 Baths ⋅ 4171677 MLS

929 Carol St is a 1-story Fort Morgan single-family home built in 1963, offering 4 bedrooms and 2 bathrooms across 2,572 square feet. The kitchen features white cabinetry, granite countertops, and stainless steel appliances. The large living area has a fireplace and connects to the dining space with hardwood floors. The primary bathroom is finished with a stone accent wall, a freestanding soaking tub, and a walk-in shower. A second bathroom provides additional convenience. A covered pergola extends the living space outdoors, and a 1-car attached garage with a large backyard and mature trees completes this well-maintained ranch-style residence.. Included 100-Day Home Warranty with buyer activation

929 Carol St, Fort Morgan

$869,000

6 Beds ⋅ 2 Baths ⋅ 5098585 MLS

Welcome to your ultimate rural sanctuary, situated on an impressive 80 acres featuring a peaceful creek lined with majestic, towering cottonwood trees. This fully remodeled ranch-style home boasts a completely finished walkout basement and seamless access to a three-phase electric power supply, offering incredible potential for equipment, workshop projects, or agricultural expansion. Inside, the bright open-concept main level links a spacious living room and dining area to a gourmet kitchen complete with white shaker cabinetry, custom stone tile backsplash, stainless steel appliances, and a central island with bar seating. With a main-floor layout hosting three bedrooms and a full bath, plus a lower level offering four additional versatile bedrooms, a second bath, and dedicated laundry facilities, this exceptional property perfectly combines modern luxury with pristine, functional acreage living.

23240 County Road 21, Fort Morgan

$390,000

1 Beds ⋅ 1 Baths ⋅ 9817064 MLS

are opportunity to own a unique live work property with both residential and commercial zoning in a prime Main Street location! Whether you’re an entrepreneur looking to run your business just steps from home or an investor seeking a versatile property, this one offers endless possibilities. The lower level features a beautifully updated 1 bedroom, 1 bathroom apartment, while the fully updated upper level is ready for a variety of business uses. Simply unlock the door and start operating your business while enjoying the convenience of living downstairs. Clients and guests will appreciate the inviting outdoor patio, perfect for summer evenings, meetings, or a welcoming waiting area. With modern updates, exceptional flexibility, and unbeatable visibility on Main Street, this property is ready to bring your vision to life.

801 Main St, Fort Morgan

$380,000

4 Beds ⋅ 2 Baths ⋅ 3913044 MLS

Situated at the end of the street & across from a park, this move in ready home is just what you've been waiting for! Featuring 4 bedrooms, 2 baths, library/rec room, roomy eat in kitchen with ample storage space & a new coffee bar, updated flooring, windows, hot water heater, + more! The garden level provides great natural light while also giving bonus room! Attached 1 car garage opens up to the backyard made for private entertaining! Covered patio space, enclosed garden area, storage shed, & alley access give you all the right areas in one space! The detached shop provides convenience w/extra storage, heated & insulated, 220v, & LED lighting. Call now for your own tour!

527 Elm St, Fort Morgan

$345,000

3 Beds ⋅ 2 Baths ⋅ 9029307 MLS

STOP YOUR SEARCH! Designed for easy living, this move- in ready home is ready for you to start making memories. Inside, enjoy a beautiful eat-in kitchen plus a dedicated dining room perfect for holiday gatherings. Three spacious bedrooms with ample closet space and a functional laundry/mudroom make daily life a breeze. BUT WAIT UNTIL YOU SEE THE OUTSIDE! The massive, manicured backyard is a private oasis, while the detached 2-car garage, carport, storage shed, and generous RV/Boat parking ensure room for all your vehicles and extra storage needs. This one truly has it all-schedule your showing today! This one truly has it all-schedule your showing today!

616 West St, Fort Morgan

$333,800

4 Beds ⋅ 2 Baths ⋅ 3382996 MLS

Looking for the perfect shop right in your backyard? This spacious 4-bedroom, 2-bath split-level home offers the space, versatility, and functionality you've been searching for! Situated in an established neighborhood just a short walk from Brenda Joy Park, this property features an attached 2-car garage plus an impressive 925 sq ft heated shop with electricity, complete with a dedicated reinforced gun room/vault, ideal for secure firearm storage, valuables, tools, collectibles, or other high-value equipment. Bring all your toys! Additional gravel parking provides ample space for RVs, trailers, boats, work vehicles, and equipment, making this property a rare find. Inside, you'll find a spacious and functional floor plan with 2,008 finished square feet. The carpet has already been removed, giving the next owner the opportunity to choose the flooring that best fits their style and truly make this home your own. Major updates include a new roof (2021), a brand-new water heater, and a new toilet in the lower-level bathroom, giving buyers peace of mind on several big-ticket items. Outside, enjoy the covered patio, fully fenced backyard, mature landscaping, and a stunning shade tree that adds beauty and character to the front yard. The property also includes an underground sprinkler system, currently turned off, offering the opportunity to restore convenient lawn irrigation if desired. Whether you're a hobbyist, contractor, outdoor enthusiast, or simply looking for extra workspace and storage, this property offers endless possibilities in a location you'll love.

Fort Morgan

$749,000

5 Beds ⋅ 3 Baths ⋅ 4859108 MLS

Sprawling ranch farmhouse nestled on 2.5 acres with no covenants! Surrounded by farm ground & mature landscaping this property features 2 HOMES! Rental to help make your mortgage payments, home office, or extended family living possibilities! Main house has numerous updates- windows, doors, brand new A/C & furnace, flooring, plumbing, electrical, + more! Original character is felt in each room, with 5 bedrooms, 3 baths, a new primary suite, spacious open floor plan, granite counters, 2 pellet stoves, hardwood floors, you'll feel right at home! Outside is an oasis with 2 patios, garden area, flower bed, & animal areas! A 60x40 shop with finished panel office area R7 insulation, 16' sidewalls, car lift area, 220v, and 3 bays ready for all your vehicle/trailer needs. Rental house is an updated 1 bedroom, 1 bathroom home with hardwood floors, laundry, & pellet stove! Extra outdoor buildings boast a 20x18 detached garage, heated storage house or rec building with 220v, 44x16 storage building with concrete floors, & chicken coop. MCQW water tap + well for outdoor use. Space for large animals/corrals in back portion of acreage! Country living at its finest welcomes you home! Call today for your private showing!

15245 County Road 14, Fort Morgan

$345,000

4 Beds ⋅ 2 Baths ⋅ 5413701 MLS

NOW AVAILABLE! Welcome to a little more room to live—and a little less hustle & bustle. After nearly 30 years, a rare opportunity is about to hit the market in the heart of Fort Morgan. Tucked along a quiet residential street in Fort Morgan, 523 Gayle Street pairs the ease of ranch-style, main-floor living with something you might not expect from the curb: more than 2,100 finished square feet, an updated kitchen and luxury vinyl plank flooring, a full basement, an enclosed sunroom, private backyard, one fireplace in the basement and plenty of room to make yourself at home. The main level delivers 1,344 finished square feet with 3 bedrooms and 2 full bathrooms, anchored by an updated kitchen with stone countertops and refreshed, modern baths. Comfortable gathering spaces adorned with ceiling beams, easy-care flooring and a practical ranch floor plan make everyday living refreshingly uncomplicated. But there's much more downstairs. The full 1,300+ square-foot basement adds more than 800 finished square feet, including a fourth bedroom and additional living space ready for movie nights, game days, guests, hobbies, a home office—or simply some welcome separation when you need it. Maybe even warm up by the wood-burning stove during the winter months ahead. Stop to enjoy the enclosed sunroom just off the door to the backyard where you can feel the warmth of Colorado’s never-ending four season sunshine or the glow of its glorious evenings in the comfort of cover. It’s also a perfect place to grow plants or just find your new favorite spot to relax in your home. All of it comes with the everyday convenience of single-level ranch living, an attached two-car garage, and an established Fort Morgan location with easy access to lively downtown Fort Morgan–recently the focus of HGTV’s Hometown Takeover (ca. 2023), schools, parks, shopping, and I-76. Updated where it counts, surprisingly spacious, private yard, and tucked onto a quiet street this home checks so many boxes!

523 Gayle St, Fort Morgan

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