103 Spruce St, Empire, CO 80438 Property Records

Clear Creek County property record for 103 Spruce St, Empire, CO 80438

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,328 sqft · built 1960
Lot Size	0.464 acres (20,255 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,665 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1839-203-05-002`

Property Details

APN / Parcel Number

Primary APN	`1839-203-05-002`
Alternative APN	`R007657`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,328 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Architectural Style	Traditional
Exterior Material	Wood Shingle
Lot Area	20,255 sqft (0.464 acres)
Terrain	Steep

Exterior Amenities

Porch	Enclosed Porch
Porch Area	34 sqft
Deck Area	428 sqft
Patio Area	428 sqft

Utilities, Heating & Cooling

Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	R007657
Old Parcel Number	1839203 05002
Street Address	103 SPRUCE ST
City	EMPIRE
State	CO
Zip	80438-5011
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MR-1
Legal Description	SUBDIVISION: BERTHOUD FALLS BLOCK: 5 LOT: 5 THRU:- LOT: 9 AND:- LOT: 30 THRU:- LOT: 33 & IMPS - 643/349
Legal Subdivision	BERTHOUD FALLS
Legal Block	5
Legal Lot Number	5-9 9
Jurisdiction	CLEAR CREEK CO
Township / Civil Division	GEORGETOWN
Census Block Group	2
Census Block	2101
Census Tract	14900

Owner

103 Spruce St, a single family home, is owned by two individuals.

Source: Clear Creek County records, as of February 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 274, EMPIRE, CO 80438-0274
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
Apr 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage TAPCO CREDIT UNION
Oct 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage ON TAP CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEAR CREEK CO
Recording Date	Apr 8, 2026
Property Address	103 SPRUCE ST, EMPIRE, CO 80438-5011
Document Number	0000318471
Book / Page	1084 / 616
Instrument Date	Apr 7, 2026
Instrument	2026318471
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 SPRUCE ST, EMPIRE, CO 80438-5011

Mortgage

Document Number	0000318471,
Date	Apr 8, 2026
Book Page	1084/616
Instrument	2026318471

Lender

Name	TAPCO CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 13, 2041

Interest

Rate Type	Fixed Rate
Rate	5.5%
Initial Type	Fixed Rate
Max Rate	-1%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEAR CREEK CO
Property Address	103 SPRUCE ST, EMPIRE, CO 80438-5011
Document Number	0009720967
Instrument Date	Oct 12, 2019
Transaction Type	Mortgage
Record Updated	Nov 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 SPRUCE ST EMPIRE CO 80438, EMPIRE, CO 80438

Mortgage

Document Number	0009720967
Date	Oct 15, 2019
Book Page	000972/000967
Instrument	293272

Lender

Name	ON TAP CU
Address	GOLDEN, CO 80401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 14, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 103 Spruce St was $1,665.

Source: Clear Creek County assessment roll, as of August 25, 2025

Property Jurisdictions

Type	Name
State	Colorado
County	Clear Creek County
Unified School District	Clear Creek School District RE-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,665.00	$21,170 Land $480 Building $20,690	$338,800 Land $7,690 Building $331,110
2023	$1,249.00 (-5.09%)	$17,210 (-4.12%) Land $420 Building $16,790	$256,950 (-0.52%) Land $6,330 Building $250,620
2022	$1,316.00	$17,950 Land $530 Building $17,420	$258,290 Land $7,690 Building $250,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 103 Spruce St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

Source: FEMA National Flood Hazard Layer, effective December 20, 2019 · 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	8 in force
Nearby Flood Claims	1 (2013)
Most Recent Claim	Sep 2013 · Severe Storms, Flooding, Landslides, And Mudslides

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 103 Spruce St is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · above 41% of Colorado
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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