Fremont County property record for 1190 3rd St, Penrose, CO 81240
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,680 sqft · built 1977 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,225 (2024) |
| Deeds & Mortgages | Mar 2022 Mortgage May 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R028523 |
| Primary APN | R028523 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,680 sqft Living Area |
| Year Built | Built 1977 |
|---|---|
| Architectural Style | Modular |
| Exterior Material | Composition/Composite |
| Construction Type | Wood |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 435,600 sqft |
| Garage Area | 1,800 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Account Number | R028523 |
|---|---|
| Old Parcel Number | 98305053 |
| Street Address | 1190 3RD ST |
| City | PENROSE |
| State | CO |
| Zip | 81240-9211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 ERVIN SUB REC #1008776 MANUF #93000-04-035 CERTIFICATE OF PERMANENT LOCATION RECORDED 2/10/2022 #1012657 PURGED 2022 |
| Legal Range | 68 |
| Legal Township | 18 |
| Legal Section | 33 |
| Legal Subdivision | ERVIN SUB |
| Legal Tract | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | FREMONT CO |
| Township / Civil Division | PENROSE-PORTLAND |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 978100 |
1190 3rd St is owned and occupied by an individual who acquired it in November 2021.
Source: Fremont County records, as of January 26, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1190 3RD ST, PENROSE, CO 81240-9211 |
| 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 |
|---|---|
| Mar 3, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL TRUST BANK |
| May 17, 2022 | Deed of Trust, Mortgage · Line of Credit ENT CU |
| Jun 23, 2021 | Special Warranty Deed, Transfer · Stand-Alone First Mortgage FARMERS ACCEPTANCE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 2, 2021 |
| Deed Sale | Nov 2, 2021 |
| Deed Document Number | 1008776 |
| Prior Transfer Date | Jun 23, 2021 |
| Prior Transfer Doc | 1003047 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREMONT CO |
| Property Address | 1190 3RD ST, PENROSE, CO 81240-9211 |
| Transaction Type | Mortgage |
| Record Updated | Mar 30, 2026 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 1190 3RD ST, PENROSE, CO 81240-9211 |
| Document Number | 0001013408 |
|---|---|
| Date | Mar 3, 2022 |
| Instrument | 1013408 |
| Name | CENTRAL TRUST BANK |
|---|---|
| Type | Bank |
| Address | JEFFERSON CITY, MO 65101 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREMONT CO |
| Property Address | 1190 3RD ST, PENROSE, CO 81240-9211 |
| Transaction Type | Mortgage |
| Record Updated | Mar 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001016415 |
|---|---|
| Date | May 17, 2022 |
| Instrument | 1016415 |
| Name | ENT CU |
|---|---|
| Type | Credit Union |
| Address | COLORADO SPRINGS, CO 80921 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | May 28, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | FREMONT CO |
| Recording Date | Jun 23, 2021 |
| Property Address | 1190 3RD ST, PENROSE, CO 81240-9211 |
| Document Number | 0001003047 |
| Map Reference | PL |
| Instrument Date | Jun 22, 2021 |
| Instrument | 1003047 |
| Transaction Type | Transfer |
| Record Updated | Mar 30, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $20.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1190 3RD ST, PENROSE, CO 81240-9211 |
| Document Number | 0001003048 |
|---|---|
| Date | Jun 23, 2021 |
| Instrument | 1003048 |
| Name | FARMERS ACCEPTANCE LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 15 Months |
| Due | Sep 22, 2022 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 8% |
Source: Fremont County assessment roll, as of August 25, 2024
| Type | Name |
|---|---|
| State | Colorado |
| County | Fremont County |
| Unified School District | Fremont RE-2 (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $1,225.00 (+1.66%) | $20,856 (+25.37%) | |
| 2023 | $1,205.00 | $16,635 | $311,282 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1190 3rd St in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 1190 3rd St is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · above 55% 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 78 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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