2408 Chutes Lane: A Turnkey Ski-In/Ski-Out, Five-Bedroom Home Built in 2024

Ski-in/ski-out properties in Steamboat Springs with five or more bedrooms are limited in supply. By current count, there are 16 such condos, townhomes, or duplexes in this size range, whether on the market or not. Completed newer construction in that category is rarer still. 2408 Chutes Lane, finished in 2024 and steps from the slopes, is one of them: turnkey, ready to enjoy, and available now, not at the end of a multi-year build timeline.

2408 Chutes Lane sits on the mountainside, oriented toward sweeping, unobstructed views of the Steamboat Ski Area, across the South Valley to Emerald Mountain and the Flat Tops. The residence spans three levels with five ensuite bedrooms, three distinct living spaces, a custom bunk room, an elevator to the main floors, and outdoor terraces that bring magnificent sunset views and the mountain experience into every floor. The property carries no HOA, is in the short-term rental Green Zone, and operates with some of the lowest carrying costs of any ski property in this position on the mountain.

“Opportunities like this don't surface often. A newer build, ski-in/ski-out home, at this scale and finish level, and you can be in it this season. That combination is scarce on the market right now,” says Chris Paoli, Managing Partner of The Agency Steamboat Springs.

The property was developed by Steve Rumsey of Cross Development, who has been coming to Steamboat since 2007 and built this residence for his own family first. The craftsmanship and programming throughout, including custom interiors finished with textured wall coverings, white oak cabinetry, spa-level baths, and multiple living areas designed for multi-generational entertaining, reflect someone who actually uses a ski home the way most buyers intend.

"We wanted to be on the mountain," Rumsey says. "The convenience of walking across the street and directly onto the slopes—we loved that. We love being right there and within steps of the Bear Claw amenities."

Designed Around the Site and Views

Architect Frank Becker designed the home to maximize the site’s topography and to allow large groups to share experiences while also providing the ability to retreat to smaller, more intimate spaces. Living areas are distributed across three elevator-accessible levels, ensuring every floor captures the views and every bedroom has access to the outdoors.

"We were very intentional with our design," Rumsey explains. "We wanted great views for each floor and something that would utilize the existing contour well."

Enter on the main level into a great room with 12-foot wood-beamed ceilings, a floor-to-ceiling gas fireplace, and glass doors opening onto a spacious terrace that frames unobstructed South Valley and mountain views. The kitchen features white oak cabinetry, a waterfall quartz island, and integrated wine storage, connected to a dining area positioned directly toward the views. A powder room completes the main floor.

The interior palette was deliberate. Wall coverings throughout the main and primary levels give the home the warmth and quiet refinement of a private mountain lodge. White oak doors and cabinetry carry through as a consistent thread across all three floors.

"We wanted it to feel warm and inviting, with a luxurious finish," Rumsey says. "A timeless feel with soft tones."

The architectural staircase is one of the home's stronger design moments, connecting levels with a sculptural presence that anchors the interior as decisively as the terraces do the exterior.

Three Levels, Each With Its Own Purpose

The upper level is where groups naturally gravitate. A second living area with an 85-inch television, game space, and generous seating can accommodate a large gathering while the main level remains its own zone, a separation that makes a ski home genuinely functional for families or mixed groups arriving with different schedules and different needs.

"Adults can stay on the main level, and kids can go upstairs," Rumsey notes. "We wanted a good place to entertain two different groups."

The main level descends to the primary suite, which includes a sitting area with a fireplace, a spa-style bath with steam shower, soaking tub, and separate vanities, a walk-in dressing room with dual storage on either side, and access to two decks with views. A second ensuite bedroom on this level also opens to the outdoors.

The lower level functions as a third, more independent living zone. A wet bar and living area anchor the space alongside a second laundry, with three ensuite bedrooms including a custom bunk room with four queen beds, generous closet and storage space throughout, and direct access to the shared turf yard with fire pit, a usable outdoor space with slope and gondola views that comes into its own through the warmer months.

"From the bottom level, you can walk to the turf and fire pit," Rumsey says. "In the spring, summer, and fall, it's very nice to relax out there."

Rumsey was deliberate about how each bedroom relates to the common areas. Despite the open, communal nature of the three living spaces, every bedroom suite feels removed from the activity of the house; quiet, private, a genuine retreat. It is the kind of balance that makes the residence work equally well for a large family, a group of friends, or rental guests, each of whom wants their own sense of space.

Built to Perform Year-Round

The mechanical systems reflect a developer who thought carefully about long-term ownership and rental viability. Two tankless water heaters handle simultaneous demand across all levels. Radiant heat serves the two middle floors, central A/C runs throughout, and snowmelt systems cover the driveway and walkways. The home's southwest-facing orientation captures significant solar gain, contributing to utility costs well below what most comparable ski properties carry. Two laundry areas, abundant built-in storage, and the ability to lock off personal belongings make the home as practical for rental use as for full or part-time ownership.

"It was designed and built very efficiently," Rumsey says. "Very low costs on the utility side."

The Bear Claw Advantage

While 2408 Chutes Lane carries no HOA, a deeded agreement provides optional access to Bear Claw amenities for $800 per month. Amenities include a pool, two hot tubs, sauna, fitness center, lounge, and an on-mountain shuttle that operates with the ease of a private rideshare. For owners and rental guests alike, it extends the living experience without a mandatory fee structure. Ski-in/ski-out access runs directly adjacent to and through the Bear Claw vestibule, with concierge services available.

The Investment Case

Rental income for the property is projected at $250,000 to $400,000 annually, supported by efficient systems and operating costs that are uncommon for a residence of this scale and location. For buyers weighing newer construction options in the ski area, the combination of location, finish level, no HOA, rental performance, and immediate availability is difficult to find at this price point in Steamboat right now.

"This property sleeps just as many, has the same living areas, and offers strong value relative to what is coming to market," Rumsey says.

Completed, turnkey, steps from the slopes, 2408 Chutes Lane is offered at $8,250,000. Contact [email protected] to arrange a private showing.