101 Emerald Ln, Gunnison, CO 81230 Property Records

Gunnison County property record for 101 Emerald Ln, Gunnison, CO 81230

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,520 sqft · built 2018
Lot Size	0.227 acres (9,896 sqft)
Owner	Individual Name on File
Last Sale	$405,000 (May 2020)
Tax Bill	$2,671 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Sep 2019 Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`R042427`

Property Details

APN / Parcel Number

Primary APN	`R042427`
Alternative APN	`370135352007`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,520 sqft

Exterior

Year Built	Built 2018
Architectural Style	Conventional
Exterior Material	Other
Foundation Type	Concrete
Roof Material	Metal
Lot Area	9,896 sqft (0.227 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	R042427
Street Address	101 EMERALD LN
City	GUNNISON
State	CO
Zip	81230-2747
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1, RAINBOW MEADOWS ESTATES SUBDIVISION, FILING NO. 2
Legal Subdivision	WEST GUNNISON W. GUNN SANITATION : RAINB
Legal Lot Number	1
Jurisdiction	GUNNISON CO
Township / Civil Division	GUNNISON
Census Block Group	2
Census Block	2037
Census Tract	963701

Owner

101 Emerald Ln is owned and occupied by an individual who bought it in May 2020.

Source: Gunnison County records, as of February 23, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	101 EMERALD LN, GUNNISON, CO 81230-2747
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Sep 23, 2019	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
May 15, 2020	Special Warranty Deed, Transfer · Conventional Mortgage BAY EQUITY LLC
Aug 6, 2018	Warranty Deed, Subdivision Related Transfer · VA Mortgage THE GUNNISON BANK & TRUST CO
Apr 16, 2018	Warranty Deed, Transfer RIO VISTA VENTURE LLC
Apr 11, 2018	Warranty Deed, Transfer GUNNISON COUNTY ABSTRACT COMPANY, GUNNISON COUNTY ABSTRACT COM

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2020 · Amount on File
Deed Sale	May 15, 2020 · Amount on File
Prior Sale	Aug 6, 2018 · Amount on File
Deed Document Number	666513
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUNNISON CO
Property Address	101 EMERALD LN, GUNNISON, CO 81230-2747
Transaction Type	Mortgage
Record Updated	Oct 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 EMERALD LN, GUNNISON, CO 81230-2747

Mortgage

Document Number	0000687115
Date	Sep 9, 2022
Instrument	687115

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Aug 1, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUNNISON CO
Property Address	101 EMERALD LN, GUNNISON, CO 81230-2747
Transaction Type	Mortgage
Record Updated	Jun 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000662494
Date	Sep 23, 2019
Instrument	662494

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

May 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	GUNNISON CO
Recording Date	May 15, 2020
Property Address	101 EMERALD LN, GUNNISON, CO 81230-2747
Document Number	0000666513
Instrument Date	May 12, 2020
Instrument	666513
Transaction Type	Transfer
Record Updated	Jun 23, 2022
Title Company	GUNNISON COUNTY ABSTRACT COMPANY, GUNNISON COUNTY ABSTRACT CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$40.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 463, RAVENNA, OH 44266-0463

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 EMERALD LN, GUNNISON, CO 81230-2747
Investor	Possibly a Property Investor

Mortgage

Document Number	0000666514
Date	May 15, 2020
Instrument	666514

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

August 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	GUNNISON CO
Recording Date	Aug 6, 2018
Property Address	101 EMERALD LN, GUNNISON, CO 81230-2747
Document Number	0000654977
Instrument Date	Aug 3, 2018
Instrument	0654977
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 23, 2022
Title Company	GUNNISON COUNTY ABSTRACT COMPANY, GUNNISON COUNTY ABSTRACT COM

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$36.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	395 RIO VISTA RD, 395, GUNNISON, CO 81230-4117

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	420 S BOULEVARD ST UNIT 4, 4, GUNNISON, CO 81230-3159

Mortgage

Document Number	0000654978
Date	Aug 6, 2018
Instrument	0654978

Lender

Name	THE GUNNISON BANK & TRUST CO
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUNNISON CO
Recording Date	Apr 16, 2018
Property Address	101 EMERALD LN, GUNNISON, CO 81230-2747
Document Number	0000652651
Map Reference	DOC540071
Instrument Date	Apr 10, 2018
Instrument	0652651
Transaction Type	Transfer
Record Updated	Jun 23, 2022

Transaction

Amount	Amount on Record
Tax	$6.36
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	395 RIO VISTA RD, GUNNISON, CO 81230-4117

Mortgage

Document Number	0000652652
Date	Apr 16, 2018
Instrument	0652652

Lender

Name	RIO VISTA VENTURE LLC
Type	Non-Lending Institution

Agreement

Amount	Amount on Record

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUNNISON CO
Recording Date	Apr 11, 2018
Property Address	101 EMERALD LN, GUNNISON, CO 81230-2747
Document Number	0000652600
Map Reference	DOC540071
Instrument Date	Apr 9, 2018
Instrument	0652600
Transaction Type	Transfer
Record Updated	Jun 23, 2022
Title Company	GUNNISON COUNTY ABSTRACT COMPANY, GUNNISON COUNTY ABSTRACT COM

Transaction

Amount	Amount on Record
Tax	$6.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12605 SE 223RD DR, 12605, KENT, WA 98031-9689

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 RIO VISTA RD, GUNNISON, CO 81230-4129

Tax Assessment & Valuation

The 2025 property tax bill for 101 Emerald Ln was $2,671, up 40.3% from the year before.

Source: Gunnison County assessment roll, as of August 25, 2025

Property Jurisdictions

Type	Name
State	Colorado
County	Gunnison County
Municipality	Gunnison City
Unified School District	Gunnison Watershed School District RE-1J (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,671.00 (+40.28%)	$49,140 (+21.88%) Land $5,630 Building $43,510	$786,180 Land $90,000 Building $696,180
2024	$1,904.00 (+1.71%)	$40,320 (+10.04%) Land $10,410 Building $29,910
2023	$1,872.00 (+2.58%)	$36,640 (+19.82%) Land $9,460 Building $27,180	$601,840 (+36.78%) Land $155,400 Building $446,440
2022	$1,825.00	$30,580 Land $5,140 Building $25,440	$440,010 Land $73,900 Building $366,110

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 101 Emerald Ln in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 11, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 45 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	45 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 101 Emerald Ln is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 91% of Colorado
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF GUNNISON serves 9,610 people · EPA ID CO0126325
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 184 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Xtream Internet Fixed Wireless	500 / 100
Visionary Broadband Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Clearnetworx, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Emerald Ln

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