12124 Monaco Dr, Brighton, CO 80602 Property Records

Adams County property record for 12124 Monaco Dr, Brighton, CO 80602

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 875 sqft · built 1991
Lot Size	0.097 acres (4,232 sqft)
Owner	Individual Name on File
Last Sale	$450,000 (Aug 2024)
Tax Bill	$1,399 (2025)
Deeds & Mortgages	Jan 2023 Second Mortgage Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1571-32-4-08-003`

Property Details

APN / Parcel Number

Primary APN	`1571-32-4-08-003`
Alternative APNs	`0157132408003` `R0013258`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	875 sqft Living Area
Gross Area	1,655 sqft
1st Floor Area	875 sqft
Basement Area	400 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Ranch
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,232 sqft (0.097 acres)
Lot Dimensions	92 ft deep x 46 ft wide
View / Lot	Open Space
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	R0013258
Street Address	12124 MONACO DR
City	BRIGHTON
State	CO
Zip	80602-8099
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	SUB:HOLLY CROSSING FILING NO 3 BLK:1 LOT:14
Legal Range	67W
Legal Township	01S
Legal Section	32
Legal Quarter	4
Legal Subdivision	HOLLY CROSSING FILING NO 3
Legal Block	1
Legal Lot Number	14
Jurisdiction	ADAMS CO
Township / Civil Division	WEST ADAMS
Census Block Group	1
Census Block	1019
Census Tract	8549

Owner

12124 Monaco Dr is owned and occupied by an individual who bought it in August 2024.

Source: Adams County records, as of January 21, 2026

Owner of Record	Individual Name on File
Mailing Address	12124 MONACO DR, BRIGHTON, CO 80602-8099
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Feb 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP
Aug 16, 2024	Warranty Deed, Transfer · Conventional Mortgage ON TAP CU
May 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 16, 2024 · Amount on File
Deed Sale	Aug 16, 2024 · Amount on File
Prior Sale	Mar 26, 2002
Deed Document Number	202444989
Prior Transfer Date	Feb 22, 2002
Prior Transfer Doc	00C0945833
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS CO
Property Address	12124 MONACO DR, BRIGHTON, CO 80602-8099
Transaction Type	Mortgage
Record Updated	Feb 10, 2026
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004874
Date	Jan 27, 2023
Instrument	2023000004874

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 27, 2043

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS CO
Property Address	12124 MONACO DR, BRIGHTON, CO 80602-8099
Transaction Type	Mortgage
Record Updated	Feb 10, 2026
Title Company	FIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014400
Date	Feb 4, 2021
Instrument	2021000014400

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAMS CO
Recording Date	Aug 16, 2024
Property Address	12124 MONACO DR, BRIGHTON, CO 80602-8099
Document Number	0000044989
Instrument Date	Aug 15, 2024
Instrument	2024000044989
Transaction Type	Transfer
Record Updated	Feb 10, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$45.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12124 MONACO DR, BRIGHTON, CO 80602-8099

Mortgage

Document Number	0000044990
Date	Aug 16, 2024
Instrument	2024000044990

Lender

Name	ON TAP CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2054

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS CO
Property Address	12124 MONACO DR, BRIGHTON, CO 80602-8099
Document Number	0000047681
Instrument Date	May 25, 2017
Transaction Type	Mortgage
Record Updated	Jun 9, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12124 MONACO DR BRIGHTON CO 806028099, BRIGHTON, CO 80602-8099

Mortgage

Document Number	0000047681
Date	Jun 2, 2017
Instrument	47681

Lender

Name	AMERICAN FINANCING
Type	Funding / Finance Company
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 12124 Monaco Dr was $1,399, down 50.9% from the year before.

Source: Adams County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Adams County
Unified School District	Adams 12 Five Star Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,399.00 (-50.86%)	$26,450 Land $6,390 Building $20,060	$389,000 Land $94,000 Building $295,000
2024	$2,847.00 (-18.73%)
2023	$3,503.00 (+3.12%)	$27,800 (+4.08%) Land $5,480 Building $22,320	$411,000 (+6.95%) Land $81,000 Building $330,000
2022	$3,397.00	$26,710 Land $11,260 Building $15,450	$384,275 Land $162,000 Building $222,275

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 maps place 12124 Monaco Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 2, 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
Community Rating System	Class 8 (10% premium discount)
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

The area around 12124 Monaco Dr 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	CITY OF THORNTON serves 226,465 people · EPA ID CO0101150
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 596 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	8,000 / 8,000
Xfinity Cable	2,000 / 250
Rise Broadband Fixed Wireless	500 / 100
Verizon Fixed Wireless	300 / 20

May also be available: Intrepid Fiber Networks, Ting.

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