103 E Michigan Ave, Berthoud, CO 80513 Property Records

Larimer County property record for 103 E Michigan Ave, Berthoud, CO 80513

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,593 sqft · built 2005
Lot Size	0.15 acres (6,534 sqft)
Owner	Owner Name on Record
Last Sale	$244,400 (Sep 2005)
Tax Bill	$3,234 (2025)
Deeds & Mortgages	Sep 2021 Reverse Mortgage Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`94242-32-002`

Property Details

APN / Parcel Number

Primary APN	`94242-32-002`
Alternative APN	`R1620612`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,593 sqft Living Area
Basement Area	1,593 sqft
Finished Basement	1,133 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2021
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Detached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	577 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	R1620612
Old Parcel Number	9424232002
Street Address	103 E MICHIGAN AVE
City	BERTHOUD
State	CO
Zip	80513-2665
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2, BLOCK 2, MARYS FARM - TRACT A, BER (2002081806)
Legal Range	69
Legal Township	04
Legal Section	24
Legal Quarter	NW
Legal Subdivision	MARY S FARM - TRACT A
Legal Tract	A
Legal Block	2
Legal Lot Number	2
Jurisdiction	LARIMER CO
Township / Civil Division	BERTHOUD
Census Block Group	2
Census Block	2046
Census Tract	2700

Owner

Source: Larimer County records, as of February 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on Record
Mailing Address	103 E MICHIGAN AVE, BERTHOUD, CO 80513-2665
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2021	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
	Deed of Trust, Mortgage
Dec 20, 2019	Deed of Trust, Mortgage STATE/DELAWARE
Dec 20, 2019	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Aug 23, 2017	Deed of Trust, Mortgage · Line of Credit PREMIER MEMBERS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2005 · Amount on Record
Deed Sale	Sep 29, 2005 · Amount on Record
Prior Sale	Sep 29, 2005 · Amount on Record
Deed Document Number	0000082662
Last Transfer Date	Apr 15, 2010
Transfer Doc	0000020898
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	103 E MICHIGAN AVE, BERTHOUD, CO 80513-2665
Transaction Type	Mortgage
Record Updated	Jul 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 E MICHIGAN AVE, BERTHOUD, CO 80513-2665

Mortgage

Document Number	0000089364
Date	Sep 24, 2021
Instrument	20210089364

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	792 Months
Due	Sep 25, 2087

Interest

Rate Type	Adjustable Rate
Rate	2.2%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2021
Change Frequency	Monthly
Max Rate At Change	12.2%
Index	Other
Max Rate	12.2%

: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	103 E MICHIGAN AVE, BERTHOUD, CO 80513-2665
Transaction Type	Mortgage
Record Updated	Jul 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 E MICHIGAN AVE, BERTHOUD, CO 80513-2665

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	103 E MICHIGAN AVE, BERTHOUD, CO 80513-2665
Document Number	0000082960
Instrument Date	Dec 20, 2019
Transaction Type	Mortgage
Record Updated	Jan 15, 2020
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	103 E MICHIGAN AVE BERTHOUD CO 805132665, BERTHOUD, CO 80513-2665

Mortgage

Document Number	0000082960
Date	Dec 27, 2019
Instrument	82960

Lender

Name	STATE/DELAWARE
Address	8023 E 63RD PL # 700, TULSA, OK 74133-1240

Agreement

Amount	Amount Recorded
Term	816 Months
Due	Dec 26, 2087

Interest

Rate Type	Adjustable Rate
Rate	3.96%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	103 E MICHIGAN AVE, BERTHOUD, CO 80513-2665
Document Number	0000082961
Instrument Date	Dec 20, 2019
Transaction Type	Mortgage
Record Updated	Jan 14, 2020
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	103 E MICHIGAN AVE BERTHOUD CO 805132665, BERTHOUD, CO 80513-2665

Mortgage

Document Number	0000082961
Date	Dec 27, 2019
Instrument	82961

Lender

Name	HUD-HOUSING/URBAN DEV
Address	541 7TH ST SW, WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	816 Months
Due	Dec 26, 2087

Interest

Rate Type	Adjustable Rate
Rate	3.96%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	103 E MICHIGAN AVE, BERTHOUD, CO 80513-2665
Document Number	0000059965
Instrument Date	Aug 23, 2017
Transaction Type	Mortgage
Record Updated	Sep 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 E MICHIGAN AVE BERTHOUD CO 805132665, BERTHOUD, CO 80513-2665

Mortgage

Document Number	0000059965
Date	Sep 6, 2017
Instrument	59965

Lender

Name	PREMIER MEMBERS FCU
Type	Credit Union
Address	BOULDER, CO 80303

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 5, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Colorado
Municipality	Berthoud Town
County	Larimer County
Unified School District	Thompson School District R-2J (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,234.00 (+24.96%)	$38,213 (-0.22%) Land $14,063 Building $24,150	$611,400 (+6.96%) Land $225,000 Building $386,400
2023	$2,588.00 (+23.3%)	$38,297 (+32.78%) Land $15,075 Building $23,222	$571,600 (+37.73%) Land $225,000 Building $346,600
2022	$2,099.00	$28,843 Land $11,002 Building $17,841	$415,000 Land $158,300 Building $256,700

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

Source: FEMA National Flood Hazard Layer, effective September 30, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

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

Wildfire Risk	Low lower than 96% of the US · lower than 98.4% of Colorado
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	TOWN OF BERTHOUD serves 14,211 people · EPA ID CO0135138
Water Source	Surface water
Last State Inspection	Dec 2021
Lead	10 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jul 2019
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 629 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Vistabeam Fixed Wireless	500 / 80
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Hilltop Broadband.

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