Fremont County property record for 1045 3rd St, Penrose, CO 81240
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,774 sqft · built 1985 |
| Lot Size | 4.58 acres (199,505 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,150 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Feb 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R028947 |
| Primary APN | R028947 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,774 sqft Living Area |
| Gross Area | 2,494 sqft |
| 1st Floor Area | 1,774 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch |
| Exterior Material | Wood Shingle |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 199,505 sqft (4.58 acres) |
| Garage Type | Attached |
| Garage Area | 720 sqft |
| Parking Spaces | 5 Parking Spaces |
| Patio Area | 630 sqft |
| Shed | 1 Shed |
| Shed Area | 117 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | R028947 |
|---|---|
| Street Address | 1045 3RD ST |
| City | PENROSE |
| State | CO |
| Zip | 81240-9210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 J-M SUB REF FROM 983-04-182 |
| Legal Subdivision | J-M SUB |
| Legal Lot Number | 2 |
| Jurisdiction | FREMONT CO |
| Township / Civil Division | PENROSE-PORTLAND |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 978100 |
Source: Fremont County records, as of August 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1045 3RD ST, PENROSE, CO 81240-9210 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Nov 22, 2021 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 24, 2021 | Warranty Deed, Transfer · VA Mortgage HOME POINT FINANCIAL CORPORATION |
| Aug 7, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jul 24, 2017 |
| Transfer Doc | 0000953027 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREMONT CO |
| Property Address | 1045 3RD ST, PENROSE, CO 81240-9210 |
| Transaction Type | Mortgage |
| Record Updated | Mar 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001009522 |
|---|---|
| Date | Nov 22, 2021 |
| Instrument | 1009522 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FREMONT CO |
| Recording Date | Feb 24, 2021 |
| Property Address | 1045 3RD ST, PENROSE, CO 81240-9210 |
| Document Number | 0000997283 |
| Instrument Date | Feb 22, 2021 |
| Instrument | 997283 |
| Transaction Type | Transfer |
| Record Updated | Mar 30, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $39.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1045 3RD ST, PENROSE, CO 81240-9210 |
| Document Number | 0000997284 |
|---|---|
| Date | Feb 24, 2021 |
| Instrument | 997284 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FREMONT CO |
| Recording Date | Aug 7, 2017 |
| Property Address | 1045 3RD ST, PENROSE, CO 81240-9210 |
| Document Number | 0000953027 |
| Instrument Date | Jul 24, 2017 |
| Instrument | 953027 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 1045 3RD ST PENROSE CO 812409210, PENROSE, CO 81240-9210 |
Source: Fremont County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Fremont County |
| Unified School District | Fremont RE-2 (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,150.00 (+11.86%) | $28,890 (-4.73%) | $462,233 (+2.13%) |
| 2024 | $1,922.00 (+20.73%) | $30,324 (+37.96%) | |
| 2023 | $1,592.00 (+5.78%) | $21,980 (+6.43%) | $452,593 (+52.31%) |
| 2022 | $1,505.00 | $20,653 | $297,162 |
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.
Source: FEMA National Flood Hazard Layer, effective October 23, 2022 · 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 |
| Community Rating System | Class 9 (5% premium discount) |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 61% of the US · above 49% of Colorado |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
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 | PENROSE WD serves 3,149 people · EPA ID CO0122700 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 51 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| SECOM Fixed Wireless | 300 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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