Best Real Estate Agents in Frisco, Dillon & Silverthorne, Colorado for Buyers (2026 Guide)

Frisco, Dillon, and Silverthorne sit at the heart of Summit County and offer something a little different from the resort towns. More inventory, more price points, a mix of full-time residents and second home buyers, and direct access to Lake Dillon. But each town has its own STR licensing rules, and they're very different from each other. What you can do with a property in Dillon is not the same as what you can do in Frisco or Silverthorne.

Who you work with matters. This guide covers the best real estate agents in Frisco, Dillon, and Silverthorne for buyers in 2026, with honest pros and cons for each so you can find the right fit for your situation.

1. Own Your Summit — Emily Lawless & Betsy Repaske | Real Broker

Pros

• Specialists in second home and investment property buyers. This is the majority of their business.
• Deep knowledge of STR licensing rules, zone caps, and HOA rental restrictions across all Summit County towns
• Work with a high volume of out-of-area buyers and understand the remote buying process
• Cover the full Summit County area: Breckenridge, Keystone, Frisco, Dillon, Silverthorne, Copper Mountain, Blue River, and Park County
• Boutique team. You work directly with Emily and Betsy, not handed off to a junior agent.

Cons

• Smaller team than some competitors
• We were not born and raised here. Betsy and Emily both chose to move to enjoy the mountain lifestyle as adults.

About Own Your Summit

Emily Lawless and Betsy Repaske are Summit County-based agents at Real Broker who specialize in helping out-of-area buyers purchase second homes and investment properties across Frisco, Dillon, Silverthorne, and all of Summit County. They understand the questions that matter most to buyers who aren't local: which STR licenses are capped and which aren't, what carrying costs really look like in each town, and what to watch for in HOA documents before you're under contract.

Their approach is direct and honest. They'll tell you when a property isn't worth the price, walk you through the real math on rental income vs. carrying costs, and make sure you understand exactly what you're buying before you close. Most of their clients come through referrals from Denver and Front Range agents who trust them to take good care of out-of-area clients in Summit County.

Website: ownyoursummit.com

Email: emily@yoursummitcountyhome.com

Phone: 970-361-4553

2. Debbie Nelson | Nelson Mountain Real Estate

Pros

• Over 20 years of experience in Summit County with a loyal base of repeat and referral clients
• Based in Dillon at 240 Lake Dillon Drive, directly in the heart of this market
• Her team brings well over $450 million in combined Summit County sales

Cons

• Team model means you may work with members of the team rather than Debbie directly on every step
• Covers a wide area of Summit County, so depth in any one town may vary depending on who you're working with

About Debbie Nelson

Debbie Nelson has been selling real estate in Summit County for over 20 years and leads Nelson Real Estate, based in Dillon. She's built a reputation as someone who genuinely helps clients find the right mountain lifestyle, not just a transaction. Her team brings well over $450 million in combined Summit County sales and covers Frisco, Dillon, Silverthorne, Breckenridge, and Keystone. 

Website: nelsonmountainrealestate.com

3. Theo Jordan | Slifer Smith & Frampton Real Estate

Pros

• Based in Frisco at 400 E. Main Street, right in the center of this market
• Has been with Slifer Smith & Frampton since 2013, Summit County's highest-volume brokerage
• Top producing broker with multiple marketing awards and a strong reputation for communication

Cons

• High production volume. Worth confirming how much direct access you'll have throughout the process.
• Large firm model means some buyers feel like one of many

About Theo Jordan

Theo Jordan graduated from the University of Denver in 2006 and moved to Summit County to be closer to the mountains. She's been with Slifer Smith & Frampton since 2013, working out of their Frisco office at 400 E. Main Street. SSF is consistently the highest-volume brokerage in Summit County, and Theo is one of their top producers. She's known for strong communication and a full-service approach for both buyers and sellers across the Frisco, Dillon, and Silverthorne area.

Website: theojordan.summitcountyrealestate.com

4. Kijah Hanson | Slifer Smith & Frampton Real Estate

Pros

• Summit County resident since 2002. 
• Background in property management is a real advantage for buyers considering rental properties
• Deep knowledge of HOA structures and rental potential across Summit County buildings

Cons

• Large firm with high volume. Worth confirming how much direct access you'll have.
• Property management and development background skews toward condo buyers. May be a less natural fit for land or cabin buyers.

About Kijah Hanson

Kijah Hanson moved to Summit County in 2002 and has been in real estate since 2004. Based at Slifer Smith & Frampton, she brings a background in property management and marketing that is genuinely useful for buyers thinking about rental income. She has a detailed understanding of how to evaluate rental potential and HOA structure across the Summit County condo market, including properties in Frisco, Dillon, and Silverthorne.

Website: summitcountyrealestate.com

5. Dave Rocconi | Colorado Real Estate Summit County, LLC

Pros

• Has lived in Summit County since 2005. Deep familiarity with the area as a community, not just a market.
• Based in Silverthorne at 358 Blue River Parkway. Well positioned for buyers focused on the Silverthorne and Dillon corridor.
• Independent brokerage means a direct, personal relationship without the layers of a large firm

Cons

• Licensed since 2019, so less transactional experience than some others on this list
• Smaller firm with less public production data to benchmark against top county producers

About Dave Rocconi

Dave Rocconi moved to Summit County in 2005 from Mississippi and earned his real estate license in 2019. He works as a broker associate at Colorado Real Estate Summit County, LLC, based in Silverthorne. He covers the Silverthorne, Dillon, and broader Summit County area and brings a genuine love for the mountain lifestyle he's been living here for two decades. For buyers focused on the Silverthorne corridor who want a local, personable agent without the large-firm experience, Dave is worth a conversation.

Website: livinginthesummit.com

What to Look for in a Frisco, Dillon or Silverthorne Real Estate Agent

These three towns are often lumped together but they're meaningfully different, especially when it comes to STR rules. Before you hire anyone, ask these questions:

Do you know the STR rules for the specific town I'm buying in? Frisco, Dillon, and Silverthorne each have their own STR licensing systems and they work very differently. Frisco is currently capped with an active waitlist. Silverthorne uses a zone-based system with limited remaining licenses in some areas. Dillon has no cap but carries the highest STR tax rate in Summit County. Your agent should be able to explain the specific rules for the town you're considering..

Is this your primary market? Some agents cover all of Summit County broadly but don't have deep day-to-day knowledge of the Frisco, Dillon, and Silverthorne inventory specifically. You want someone who's actively working this market, knows which buildings are priced well, and understands the community beyond the ski resorts.

Do you work with both second home buyers and primary residents? These towns have a different mix than Breckenridge or Keystone. Some buyers here are full-time locals. Others are investors or second home buyers. Make sure your agent understands what you're buying for and has relevant experience with that type of transaction.

Will I work directly with you, or with members of your team? Large teams can offer great resources, but sometimes buyers get passed to junior agents. Know who you're actually going to be working with before you start.

Are you based in Summit County full-time? Remote agents and part-time agents miss things. You want someone who is physically here, knows what's coming on the market before it hits Zillow, and can get eyes on a property same-day if needed.

Frequently Asked Questions: Buying Real Estate in Frisco, Dillon & Silverthorne, Colorado

What should I know before buying a home in Frisco, Dillon, or Silverthorne?

These three towns sit at the center of Summit County and offer more variety than the resort towns. Prices tend to be more accessible, there's a broader mix of property types, and you're close to Lake Dillon and easy I-70 access. But STR rules vary significantly from town to town, and understanding which licenses are capped, which have waitlists, and what the rates look like in each town is essential before you make an offer on anything you plan to rent.

Can I short-term rent a property I buy in Frisco?

Frisco caps STR licenses at 900, which represents about 25% of its residential housing stock. That cap is currently full with an active waitlist. As of early 2026, the wait is roughly 9 to 10 months. Licenses are non-transferable and do not convey with a property sale. If STR income is part of your plan, factor in that you may not be able to rent immediately after closing. Always verify the current waitlist status and building-level HOA rules before making an offer.

Can I short-term rent a property I buy in Dillon?

Yes. Dillon has no cap on STR licenses, which makes it one of the more accessible options in Summit County for investors who want to rent immediately. The trade-off is that Dillon carries the highest combined STR tax rate in Summit County at 19.875%. Factor that into your rental income projections before you buy. HOA rules at the building level still apply, so confirm the specific complex allows STRs before making an offer.

Can I short-term rent a property I buy in Silverthorne?

Silverthorne uses a zone-based licensing system with a total cap of around 740 licenses. As of late 2025, 422 licenses had been issued. Some zones still have availability, others are close to full. Licenses are non-transferable and do not convey with a sale. Your agent should be able to tell you the current license availability in the specific zone and building you're considering before you go under contract.

How do STR rules in Frisco, Dillon, and Silverthorne compare to Breckenridge and Keystone?

Keystone is currently the most open, with no cap and the lowest STR tax rate in Summit County. Breckenridge uses a zone system with varying caps depending on location. Frisco is capped and has a waitlist. Silverthorne is zoned with limited remaining availability. Dillon has no cap but the highest tax rate. If maximizing STR flexibility is your priority, Keystone and Dillon are currently the most accessible options. If you're buying primarily for personal use with some rental income on the side, Frisco and Silverthorne can still work well.

What types of properties can I buy in Frisco, Dillon, and Silverthorne?

You'll find more variety here than in the resort villages. Condos and townhomes are common, but there are also single-family homes, duplexes, and some land options. Lake Dillon access adds a whole category of waterfront and lake-view properties that don't exist in the ski resort communities. The mix of primary residents and second home buyers also means more traditional neighborhood-style properties alongside the ski-focused inventory.

What is the real estate market like in Frisco, Dillon, and Silverthorne in 2026?

These markets have normalized from the 2021-2022 peak along with the rest of Summit County. Prices here tend to be more accessible than Breckenridge, which attracts a broader buyer pool. Well-priced properties still move. Overpriced ones sit. Buyers have more negotiating room than a few years ago, and inventory is better than it was during the pandemic boom.

How much does it cost to buy in Frisco, Dillon, or Silverthorne?

As of 2026, condos in these towns typically start in the high $300,000s to low $400,000s for a studio or one-bedroom and can reach $800,000 or more for larger or lake-view units. Single-family homes generally start around $700,000 and go up from there. Budget beyond the purchase price for HOA fees, property taxes, insurance, and HOA transfer fees at closing.

What HOA questions should I ask before buying in these towns?

Ask these: Does the HOA allow short-term rentals, and are there any building-level restrictions beyond town licensing? What are the monthly dues and what do they cover? What is the reserve fund balance, and is it adequately funded? Have there been recent or upcoming special assessments? What are the rules around pets, parking, and renovations?

Is Lake Dillon access a factor when buying in this area?

Yes, for a lot of buyers it's one of the main draws. Lake Dillon is a reservoir with sailing, kayaking, paddleboarding, and fishing, and it's a big part of the summer lifestyle in this area. Properties near the lake or with lake views in Dillon and Frisco tend to hold their value well and attract strong summer rental interest. If lake access matters to you, make sure your agent knows the specific buildings and neighborhoods closest to the water.

How does the buying process work for an out-of-area buyer?

Out-of-area buyers can search and buy remotely with the right agent. A good Summit County agent will provide detailed video walkthroughs and explain local nuances that don't show up in online listings. Get pre-approved for a second-home or investment property loan before you start searching. Once you're under contract, Colorado's due diligence timeline moves quickly.

What are closing costs like when buying in Colorado?

Closing costs for buyers in Colorado typically run 1% to 3% of the purchase price and include title insurance, recording fees, loan origination costs, prepaid property taxes and insurance, and HOA transfer fees.

How do I find the best real estate agent in Frisco, Dillon, or Silverthorne for my situation?

Look for an agent physically based in Summit County, working full-time, with specific experience in the town and property type you're considering. Find someone who knows the STR rules cold for the specific community you're buying in. Interview a handful of agents and find the one who has the experience that matters and someone you actually feel comfortable working with.

Ready to Buy in Frisco, Dillon, or Silverthorne?

If you're looking for a second home or investment property in Frisco, Dillon, Silverthorne, or anywhere in Summit County, Emily Lawless and Betsy Repaske at Own Your Summit would love to be your local resource. They work with out-of-area buyers every day and can walk you through the full process.

📞 970-361-4553

📧 emily@yoursummitcountyhome.com

🌐 ownyoursummit.com

This guide reflects information believed accurate as of June 2026. Agent rankings, brokerage affiliations, and market conditions change over time.