106 Keep Cir, Berthoud, CO 80513 Property Records

Larimer County property record for 106 Keep Cir, Berthoud, CO 80513

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,054 sqft · built 1995
Lot Size	0.189 acres (8,215 sqft)
Owner	2 Individual Names on Record
Last Sale	$475,000 (Jan 2026)
Tax Bill	$2,189 (2025)
Deeds & Mortgages	Feb 2025 Reverse Mortgage Feb 2026 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`94231-72-003`

Property Details

APN / Parcel Number

Primary APN	`94231-72-003`
Alternative APN	`R1458124`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,054 sqft Living Area
Gross Area	2,974 sqft
1st Floor Area	1,054 sqft
Basement Area	1,040 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,215 sqft (0.189 acres)
Garage Type	Attached
Garage Area	880 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Slab
Porch Area	136 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	R1458124
Street Address	106 KEEP CIR
City	BERTHOUD
State	CO
Zip	80513-1372
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3, BLK 1, 2ND AMD KEEP SUB, BER
Legal Range	69W
Legal Township	4N
Legal Section	23
Legal Subdivision	KEEP
Legal Block	1,2
Legal Lot Number	3
Jurisdiction	LARIMER CO
Township / Civil Division	BERTHOUD
Census Block Group	2
Census Block	2040
Census Tract	2700

Owner

Source: Larimer County records, as of August 18, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	106 KEEP CIR, BERTHOUD, CO 80513-1372
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2025	Deed of Trust, Mortgage · Reverse Mortgage PLAZA HOME MORTGAGE INC
Feb 13, 2026	Correction Deed HERITAGE TITLE COMPANY
Jan 15, 2026	Deed, Transfer · FHA Mortgage ELEVATIONS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2026 · Amount on Record
Deed Sale	Jan 15, 2026 · Amount on Record
Prior Sale	Apr 1, 1996 · Amount on Record
Deed Document Number	20261855
Prior Transfer Date	Feb 18, 2025
Prior Transfer Doc	0000006690
Record Updated	Sep 20, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	106 KEEP CIR, BERTHOUD, CO 80513-1372
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006691
Date	Feb 19, 2025
Instrument	20250006691

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92121

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	775 Months
Due	Sep 18, 2089

Interest

Rate Type	Adjustable Rate
Rate	6.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2025
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	11.6%

February 2026: Correction Deed

Document Type	Correction Deed
Jurisdiction	LARIMER CO
Recording Date	Feb 13, 2026
Property Address	106 KEEP CIR, BERTHOUD, CO 80513-1372
Document Number	0000006625
Instrument Date	Feb 13, 2026
Instrument	20260006625
Record Updated	Mar 6, 2026
Title Company	HERITAGE TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

January 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	LARIMER CO
Recording Date	Jan 15, 2026
Property Address	106 KEEP CIR, BERTHOUD, CO 80513-1372
Document Number	0000001855
Instrument Date	Jan 13, 2026
Instrument	20260001855
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	HERITAGE TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$47.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	106 KEEP CIR, BERTHOUD, CO 80513-1372

Mortgage

Document Number	0000001856
Date	Jan 15, 2026
Instrument	20260001856

Lender

Name	ELEVATIONS CU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Mortgage

Document Number	0000001857
Date	Jan 15, 2026
Instrument	20260001857

Lender

Name	ELEVATIONS CU
Type	Credit Union
Address	BOULDER, CO 80301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Tax Assessment & Valuation

Source: Larimer County assessment roll, as of February 9, 2026

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	$2,189.00 (+3.5%)	$27,888 (-13.89%) Land $2,019 Building $25,869	$446,200 (-7.7%) Land $32,300 Building $413,900
2024	$2,115.00 (+3.68%)
2023	$2,040.00 (+25%)	$32,388 (+35.11%) Land $2,164 Building $30,224	$483,400 (+40.16%) Land $32,300 Building $451,100
2022	$1,632.00	$23,971 Land $2,245 Building $21,726	$344,900 Land $32,300 Building $312,600

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 95% of the US · lower than 98.1% 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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