1081 Spruce St, Denver, CO 80230 Property Records

Denver City property record for 1081 Spruce St, Denver, CO 80230

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,205 sqft · built 2002
Lot Size	0.103 acres (4,500 sqft)
Owner	Company Name on File
Last Sale	$600,000 (Sep 2014)
Tax Bill	$4,997 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Jul 2019 Line of Credit + 4 more
APN	`06043-24-020-000`

Property Details

APN / Parcel Number

Primary APN	`06043-24-020-000`
Alternative APN	`162966564`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,205 sqft Living Area
Gross Area	2,205 sqft
1st Floor Area	1,111 sqft
Basement Area	1,111 sqft
Finished Basement	1,000 sqft
Unfinished Basement	111 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Bi-Level
Exterior Material	Combination
Construction Type	Frame
Lot Area	4,500 sqft (0.103 acres)
Garage Type	Attached
Garage Area	465 sqft
Porch	Open Frame Porch
Porch Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1081 SPRUCE ST
City	DENVER
State	CO
Zip	80230-7095
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2-A
Legal Description	LOWRY FILING NO 11 B12 L20
Legal Subdivision	LOWRY FILING NO 11
Legal Block	1
Legal Lot Number	20
Jurisdiction	DENVER CO
Township / Civil Division	DENVER
Census Block Group	1
Census Block	1005
Census Tract	4406

Owner

1081 Spruce St is owned by a company that acquired it in April 2020.

Source: Denver City records, as of May 29, 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	Company Name on File
Mailing Address	1081 SPRUCE ST, DENVER, CO 80230-7095
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jul 29, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA
Dec 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK
Jan 29, 2021	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Apr 30, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 26, 2018	Quit Claim Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2014 · Amount on File
Deed Sale	Sep 29, 2014 · Amount on File
Prior Sale	May 11, 2007 · Amount on File
Deed Document Number	2014117555
Last Transfer Date	Apr 29, 2020
Transfer Doc	0000058761
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENVER CO
Property Address	1081 SPRUCE ST, DENVER, CO 80230-7095
Transaction Type	Mortgage
Record Updated	Sep 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000097873
Date	Jul 29, 2019
Instrument	2019097873

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENVER CO
Property Address	1081 SPRUCE ST, DENVER, CO 80230-7095
Transaction Type	Mortgage
Record Updated	Sep 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000097874
Date	Jul 29, 2019
Instrument	2019097874

Lender

Name	US BANK NA
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 22, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENVER CO
Property Address	1081 SPRUCE ST, DENVER, CO 80230-7095
Transaction Type	Mortgage
Record Updated	Sep 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1081 SPRUCE ST, DENVER, CO 80230-7095

Mortgage

Document Number	0000213936
Date	Dec 18, 2020
Instrument	2020213936

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENVER CO
Property Address	1081 SPRUCE ST, DENVER, CO 80230-7095
Transaction Type	Mortgage
Record Updated	Sep 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1081 SPRUCE ST, DENVER, CO 80230-7095

Mortgage

Document Number	0000015870
Date	Jan 29, 2021
Instrument	2021015870

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 11, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DENVER CO
Recording Date	Apr 30, 2020
Property Address	1081 SPRUCE ST, DENVER, CO 80230-7095
Document Number	0000058761
Instrument Date	Apr 29, 2020
Instrument	58761
Transaction Type	Transfer
Record Updated	May 13, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1081 SPRUCE ST DENVER CO 802307095, DENVER, CO 80230-7095

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DENVER CO
Recording Date	Jul 26, 2018
Property Address	1081 SPRUCE ST, DENVER, CO 80230-7095
Document Number	0000092127
Instrument Date	Jul 16, 2018
Instrument	2018092127
Transaction Type	Transfer
Record Updated	Sep 17, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1081 SPRUCE ST, DENVER, CO 80230-7095

Mortgage

Document Number	0000092128
Date	Jul 26, 2018
Instrument	2018092128

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1081 Spruce St was $4,997.

Source: Denver City assessment roll, as of May 29, 2026

Property Jurisdictions

Type	Name
State	Colorado
County / Municipality	Denver City
Unified School District	Denver County School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,997.00	$65,330 Land $13,800 Building $13,800	$926,700 Land $195,800 Building $730,900
2023	$4,722.00	$60,940 (+22.62%) Land $9,430 Building $51,510	$964,600 (+34.87%) Land $195,800 Building $768,800
2022		$49,700 Land $10,580 Building $39,120	$715,200 Land $152,300 Building $562,900
2021	$3,815.00

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.

Flood

FEMA has no flood map on file for 1081 Spruce St; 7 flood insurance policies are in force nearby.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	7 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

The area around 1081 Spruce 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	DENVER WATER BOARD serves 1,287,000 people · EPA ID CO0116001
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	33 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 510 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	1,000 / 75
CenturyLink DSL · Fiber in parts of the area	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, LiveWireNet, Starry, WiFiHood.

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