An occupied Colorado home tied to a long-running foreclosure dispute was advertised for $215,280 in Zillow’s Nunn search results on August 6, following an $18,720 price cut dated July 21. The listing prohibits property access and says the buyer will be responsible for obtaining possession after closing.
The terms leave prospective buyers unable to inspect the home or confirm when it could become vacant. Although the legal proceedings are specific to Colorado, occupied and inaccessible foreclosures can expose buyers nationwide to separate risks involving condition, title, possession, financing, insurance, and carrying costs.
No showings, inspections, or access
The listing remarks prohibit showings and property access, including access for inspections. Prospective buyers are also told not to disturb the occupants. The three-bedroom home at 408 Garfield Ave. in Nunn is listed at approximately 2,040 square feet. However, the listing agent has not entered the property, and other details rely partly on public records and an expired listing that may not be accurate.
The buyer must accept the home in its current, unknown, as-is condition with the occupants in place. The listing says the buyer will be responsible for “obtaining possession of the property upon closing” but provides no timeline or description of the legal process involved.
Foreclosure dispute predates the listing
The occupant, Tori McMechan, told 9News that she has lived in the home since 2006 and does not intend to leave voluntarily. Court records show that the mortgage and foreclosure dispute has continued for years.
A December 2025 Colorado Court of Appeals decision says McMechan’s late husband, James McMechan, signed the mortgage note in 2006. Both spouses signed the deed of trust, and the loan entered default around 2010.
Deutsche Bank initiated foreclosure proceedings in 2022. A court authorized a sale in September 2023, but McMechan obtained a temporary restraining order that canceled the scheduled November sale. A district court later dismissed her lawsuit challenging the bank’s authority to foreclose, and the appellate court affirmed that dismissal.
A separate appellate decision issued the same day reversed the dismissal of McMechan’s second lawsuit. The panel found that the lower court had prematurely used the first judgment to bar the second case while the first appeal remained pending. The case was returned to the district court without a ruling on whether her underlying foreclosure claims were valid.
Foreclosure activity is rising nationally
The listing comes as foreclosure filings are increasing across the country, although overall activity remains well below past crisis levels. In the first half of 2026, 227,548 US properties had foreclosure filings, up 21% from a year earlier. Foreclosure starts rose 18%, while completed foreclosures increased 33%.
Colorado recorded 3,943 properties with filings during the period, a 57% annual increase. The report does not show that occupied, no-access listings are becoming more common, and the Nunn property represents an unusually complicated example of the risks that may accompany distressed inventory.
Buying without access adds uncertainty
An as-is sale does not necessarily require a buyer to waive physical access. The Colorado Division of Real Estate advises buyers to determine whether their contract includes an inspection contingency and what remedies it provides.
Buyers of the Nunn property cannot independently evaluate its structure, systems, or interior before closing. The asking price must be weighed against unknown repairs, legal costs, financing or insurance barriers, carrying expenses, and delayed access.
Possession process remains unclear
The listing does not identify McMechan’s legal status or explain which procedure a buyer would need to follow to secure possession. Agents should not describe her as a tenant or squatter without supporting legal documentation. An attorney would need to review the title, foreclosure records, pending litigation, and basis for her occupancy before advising a buyer about the likely possession process.
Due diligence before an offer
Before preparing an offer, the buyer’s team should verify the title and litigation status, access restrictions, financing and insurance eligibility, and likely cost of obtaining possession. The asking price cannot be evaluated in isolation. An interested buyer must budget separately for the property’s unknown condition, legal process, carrying costs, and the period before the home becomes usable.