108 S 3rd St, Berthoud, CO 80513 Property Records

Larimer County property record for 108 S 3rd St, Berthoud, CO 80513

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 2,628 sqft · built 1975
Lot Size	0.285 acres (12,409 sqft)
Owner	Individual Name on File
Last Sale	$26,500 (Aug 1975)
Tax Bill	$2,701 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`94231-37-009`

Property Details

APN / Parcel Number

Primary APN	`94231-37-009`
Alternative APN	`R0484784`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	2,628 sqft Living Area
Gross Area	4,200 sqft
Basement Area	1,284 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1988
Architectural Style	Bi-Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,409 sqft (0.285 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	4 Parking Spaces
Patio Area	84 sqft
Balcony Area	84 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R0484784
Street Address	108 S 3RD ST
City	BERTHOUD
State	CO
Zip	80513-1466
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 LESS N 66 FT, BLK 5, GREER 2ND, BERTHOUD
Legal Range	69W
Legal Township	4N
Legal Section	23
Legal Subdivision	GREER
Legal Block	5
Legal Lot Number	3
Jurisdiction	LARIMER CO
Township / Civil Division	BERTHOUD
Census Block Group	4
Census Block	4020
Census Tract	2700

Owner

108 S 3rd St is owned by an individual who bought it in August 1975.

Source: Larimer County records, as of May 6, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 623, BERTHOUD, CO 80513-0623
Owner Type	Individual
Vesting	Joint Tenants

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
Aug 1, 2023	Deed of Trust, Mortgage · Line of Credit INDEPENDENT BANK
Mar 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 1975 · Amount on File
Deed Sale	Aug 1, 1975 · Amount on File
Record Updated	Jun 8, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	108 S 3RD ST, BERTHOUD, CO 80513-1466
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 S 3RD ST, BERTHOUD, CO 80513-1466

Mortgage

Document Number	0000032669
Date	Aug 1, 2023
Instrument	20230032669

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	BERTHOUD, CO 80513

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Jul 27, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	108 S 3RD ST, BERTHOUD, CO 80513
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICE LINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018247
Date	Mar 30, 2018
Instrument	20180018247

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 108 S 3rd St was $2,701.

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	$2,701.00	$32,950 Land $1,919 Building $31,031	$527,200 Land $30,700 Building $496,500
2023	$2,639.00 (+26.81%)	$38,847 (+35.57%) Land $2,057 Building $36,790	$579,800 (+40.63%) Land $30,700 Building $549,100
2022	$2,081.00	$28,655 Land $2,134 Building $26,521	$412,300 Land $30,700 Building $381,600

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

Flood

FEMA maps place 108 S 3rd St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

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	3 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2025 · other causes

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

The area around 108 S 3rd St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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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