Fremont County property record for 1040 Cliff St, Lander, WY 82520
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,560 sqft · built 1962 |
| Lot Size | 0.171 acres (7,427 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $231,300 (Feb 2023) |
| Tax Bill | $1,602 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Apr 2019 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3300-13-4-13-021.00 |
| Primary APN | 3300-13-4-13-021.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,560 sqft Living Area |
| Gross Area | 2,208 sqft |
| Basement Area | 1,104 sqft |
| Finished Basement | 456 sqft |
| Unfinished Basement | 648 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1962 |
|---|---|
| Effective Year Built | Effective 1962 |
| Architectural Style | Ranch |
| Exterior Material | Combination |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,427 sqft (0.171 acres) |
| Porch | Open Slab |
|---|---|
| Porch Area | 384 sqft |
| Deck Area | 96 sqft |
| Shed | 1 Shed |
| Shed Area | 48 sqft |
| Storage Building | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | R0004603 |
|---|---|
| Street Address | 1040 CLIFF ST |
| City | LANDER |
| State | WY |
| Zip | 82520-3523 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPRIGGS ADDN 1ST FILING BLK 3 LOT 21 WD 2020-1416251 AFF 2023-1445781 |
| Legal Subdivision | SPRIGGS 1ST ADDITION |
| Legal Block | 3 |
| Legal Lot Number | 21 |
| Jurisdiction | FREMONT WY |
| Township / Civil Division | LANDER |
| Census Block Group | 2 |
| Census Block | 2045 |
| Census Tract | 200 |
1040 Cliff St is owned and occupied by two individuals who bought it in February 2023.
Source: Fremont County records, as of July 2, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1040 CLIFF ST, LANDER, WY 82520-3523 |
| 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.
| Date | Document |
|---|---|
| Dec 22, 2025 | Deed of Trust, Mortgage · Line of Credit ATLANTIC CITY FCU |
| Apr 8, 2019 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Sep 9, 2025 | Transfer on Death Deed, Transfer |
| Sep 8, 2025 | Transfer on Death Deed, Transfer |
| Feb 17, 2023 | Affidavit of Death of Joint Tenant, Transfer · Conventional Mortgage CENTENNIAL LENDING LLC |
| Feb 24, 2020 | Intrafamily Transfer, Transfer · VA Mortgage THE FEDERAL SAVINGS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 17, 2023 · Amount on File |
| Deed Sale | Feb 17, 2023 · Amount on File |
| Deed Document Number | 20231445781 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREMONT WY |
| Property Address | 1040 CLIFF ST, LANDER, WY 82520-3523 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2026 |
| Name | Verified Name |
|---|
| Document Number | 20251469930 |
|---|---|
| Date | Dec 22, 2025 |
| Instrument | 2025-1469930 |
| Name | ATLANTIC CITY FCU |
|---|---|
| Type | Credit Union |
| Address | LANDER, WY 82520 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Dec 21, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREMONT WY |
| Property Address | 1040 CLIFF ST, LANDER, WY 82520-3523 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2025 |
| Title Company | SUMMIT TITLE SERVICES LLC, SUMMIT TITLE SERVICES |
| Name | Verified Name |
|---|
| Document Number | 20191409372 |
|---|---|
| Date | Apr 8, 2019 |
| Instrument | 2019-1409372 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2049 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | FREMONT WY |
| Recording Date | Sep 9, 2025 |
| Property Address | 1040 CLIFF ST, LANDER, WY 82520-3523 |
| Document Number | 20251467133 |
| Map Reference | DR 2 PG 35 |
| Instrument Date | Sep 9, 2025 |
| Instrument | 2025-1467133 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | FREMONT WY |
| Recording Date | Sep 8, 2025 |
| Property Address | 1040 CLIFF ST, LANDER, WY 82520-3523 |
| Document Number | 20251467133 |
| Map Reference | DR 3 PG 35 |
| Instrument Date | Sep 8, 2025 |
| Instrument | 2025-1467133 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | FREMONT WY |
| Recording Date | Feb 17, 2023 |
| Property Address | 1040 CLIFF ST, LANDER, WY 82520-3523 |
| Document Number | 20231445781 |
| Map Reference | DR 2 PG 35 |
| Instrument Date | Feb 13, 2023 |
| Instrument | 2023-1445781 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 20231445782 |
|---|---|
| Date | Feb 17, 2023 |
| Instrument | 2023-1445782 |
| Name | CENTENNIAL LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | LONGMONT, CO 80504 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | FREMONT WY |
| Recording Date | Feb 24, 2020 |
| Property Address | 1040 CLIFF ST, LANDER, WY 82520-3523 |
| Document Number | 20201416251 |
| Instrument Date | Dec 3, 2019 |
| Instrument | 2020-1416251 |
| Transaction Type | Transfer |
| Record Updated | Oct 14, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1040 CLIFF ST, LANDER, WY 82520-3523 |
| Document Number | 20201416252 |
|---|---|
| Date | Feb 24, 2020 |
| Instrument | 2020-1416252 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CHICAGO, IL 60607 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Jan 1, 2050 |
The 2025 property tax bill for 1040 Cliff St was $1,602, down 11% from the year before.
Source: Fremont County assessment roll, as of July 2, 2026
| Type | Name |
|---|---|
| State | Wyoming |
| County | Fremont County |
| Municipality | Lander City |
| Unified School District | Fremont County School District 1 (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $25,935 (+27.92%) Land $5,021 Building $20,914 | $273,006 (-4.05%) Land $52,856 Building $220,150 | |
| 2025 | $1,602.00 (-11%) | $20,275 Land $3,766 Building $16,509 | $284,542 Land $52,856 Building $231,686 |
| 2024 | $1,800.00 | ||
| 2023 | $25,342 Land $4,864 Building $20,478 | $266,754 Land $51,198 Building $215,556 | |
| 2022 | $1,898.00 |
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.
FEMA maps place 1040 Cliff St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 1, 2024 · 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 | 2 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 risk around 1040 Cliff St is moderate, ranking above 42% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · lower than 76% of Wyoming |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF LANDER serves 7,615 people · EPA ID WY5600176 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2024 |
| Lead | Under 1 ppb (2025–2027) action level 15 ppb |
| Water Quality | Turbidity resolved · Nov 2023 |
|---|---|
| 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 375 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Wind River Internet Fixed Wireless | 200 / 200 |
| Wyoming.com Fixed Wireless | 200 / 100 |
| Visionary Broadband Fixed Wireless | 100 / 20 |
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