104 Spruce St, Empire, CO 80438 Property Records

Clear Creek County property record for 104 Spruce St, Empire, CO 80438

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 884 sqft · built 1965
Lot Size	0.155 acres (6,752 sqft)
Owner	Owner Name on File
Last Sale	$50,000 (Sep 2008)
Tax Bill	$1,115 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1839-203-08-002`

Property Details

APN / Parcel Number

Primary APN	`1839-203-08-002`
Alternative APNs	`183920408002` `R007674`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	884 sqft
Basement Area	416 sqft
Finished Basement	416 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Architectural Style	Log Home
Exterior Material	Wood Shingle
Lot Area	6,752 sqft (0.155 acres)
Terrain	Combination
Garage Type	Basement
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Deck Area	362 sqft
Patio Area	362 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	R007674
Old Parcel Number	183920408002
Street Address	104 SPRUCE ST
City	EMPIRE
State	CO
Zip	80438
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MR-1
Legal Description	SUBDIVISION: BERTHOUD FALLS BLOCK: 8 LOT: 3 THRU:- LOT: 5 & IMP ESMT 522/296 580/323
Legal Subdivision	BERTHOUD FALLS
Legal Block	8
Legal Lot Number	3-5
Jurisdiction	CLEAR CREEK CO
Township / Civil Division	GEORGETOWN
Census Block Group	2
Census Block	2101
Census Tract	14900

Owner

The current owner of 104 Spruce St acquired it in September 2008.

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

Owner of Record	Owner Name on File
Mailing Address	6532 S TEMPE ST, AURORA, CO 80016-2084

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
Dec 30, 2025	Deed of Trust, Mortgage · Line of Credit FIRSTBANK
Aug 11, 2020	Deed of Trust, Mortgage FIRSTBANK
Apr 27, 2017	Deed of Trust, Mortgage · Line of Credit FIRSTBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2008 · Amount on File
Deed Sale	Sep 18, 2008 · Amount on File
Prior Sale	Nov 15, 2007 · Amount on File
Deed Document Number	250296
Deed Book / Page	00796 / 0116
Last Transfer Date	Sep 23, 2008
Transfer Doc	0007960197
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEAR CREEK CO
Property Address	104 SPRUCE ST, EMPIRE, CO 80438
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8751 S WENATCHEE CT, AURORA, CO 80016-7901

Mortgage

Document Number	0010800702
Date	Dec 30, 2025
Book Page	1080/702
Instrument	317715

Lender

Name	FIRSTBANK
Type	Bank
Address	12345 W COLFAX AVE, LAKEWOOD, CO 80215

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Dec 26, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEAR CREEK CO
Property Address	104 SPRUCE ST, EMPIRE, CO 80438
Document Number	0009880205
Instrument Date	Aug 11, 2020
Transaction Type	Mortgage
Record Updated	Aug 25, 2020
Title Company	LAND TITLE GUARANTEE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 SPRUCE ST EMPIRE CO 80438, EMPIRE, CO 80438

Mortgage

Document Number	0009880205
Date	Aug 14, 2020
Book Page	000988/000205
Instrument	296624

Lender

Name	FIRSTBANK
Type	Bank
Address	LAKEWOOD, CO 80215

Agreement

Amount	Amount on Record
Term	180 Months
Due	Aug 13, 2035

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEAR CREEK CO
Property Address	104 SPRUCE ST, EMPIRE, CO 80438
Document Number	0009330939
Instrument Date	Apr 27, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	5482 S GENOA ST CENTENNIAL CO 800153756, CENTENNIAL, CO 80015-3756

Mortgage

Document Number	0009330939
Date	May 5, 2017
Book Page	000933/000939
Instrument	284076

Lender

Name	FIRSTBANK
Type	Bank
Address	LAKEWOOD, CO 80215

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	24 Months
Due	May 4, 2019

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 104 Spruce St was $1,115.

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	$1,115.00	$14,170 Land $500 Building $13,670	$226,750 Land $7,960 Building $218,790
2023	$703.00 (-1.4%)	$9,690 (-0.41%) Land $390 Building $9,300	$144,510 (+3.21%) Land $5,770 Building $138,740
2022	$713.00	$9,730 Land $550 Building $9,180	$140,020 Land $7,960 Building $132,060

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 104 Spruce St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 104 Spruce St is moderate, ranking above 63% 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 63% of the US · above 53% of Colorado
Wildfire Likelihood	0.1% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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