12175 Up River Rd, Elbert, CO 80106 Property Records

El Paso County property record for 12175 Up River Rd, Elbert, CO 80106

Property Summary

Property Type	Single Family Home
Details	6 bd · 3.5 ba · 3,439 sqft · built 1998
Lot Size	8.47 acres (368,953 sqft)
Owner	Individual Name on File
Last Sale	$1,100,000 (Aug 2026)
Tax Bill	$3,923 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage May 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`42060-01-021`

Property Details

APN / Parcel Number

Primary APN	`42060-01-021`
Alternative APNs	`641206001021` `R4206001021`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	3,439 sqft Living Area
Gross Area	4,340 sqft
1st Floor Area	1,326 sqft
Upper Floors Area	905 sqft
Basement Area	1,268 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Multi-Level
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	368,953 sqft (8.47 acres)
View / Lot	Rural
Garage Type	Attached
Garage Area	663 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	178 sqft
Patio Area	100 sqft
Balcony Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	R4206001021
Street Address	12175 UP RIVER RD
City	ELBERT
State	CO
Zip	80106-9098
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR-5
Legal Description	LOT 1 FOREST HIGHLANDS SUB FIL NO 4
Legal Subdivision	FOREST HIGHLANDS SUB FIL NO 4
Legal Lot Number	1
Jurisdiction	EL PASO CO
Township / Civil Division	BLACK FOREST-PEYTON
Census Block Group	2
Census Block	2008
Census Tract	3914

Owner

12175 Up River Rd is owned and occupied by an individual who bought it in August 2026.

Source: El Paso County records, as of September 18, 2026

Owner of Record	Individual Name on File
Mailing Address	12175 UP RIVER RD, ELBERT, CO 80106-9098
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
Aug 10, 2026	Warranty Deed, Transfer · Conventional Mortgage CITADEL SERVICING CORPORATION
May 13, 2022	Deed of Trust, Mortgage · Line of Credit ENT CU
Feb 17, 2022	Deed of Trust, Mortgage · Line of Credit ENT CU
May 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP
Aug 29, 2017	Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2026 · Amount on File
Deed Sale	Aug 10, 2026 · Amount on File
Prior Sale	Aug 29, 2017 · Amount on File
Deed Document Number	202676220
Prior Transfer Date	Feb 7, 2000
Prior Transfer Doc	0000019899
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EL PASO CO
Recording Date	Aug 10, 2026
Property Address	12175 UP RIVER RD, ELBERT, CO 80106-9098
Document Number	0000076220
Instrument Date	Aug 7, 2026
Instrument	202676220
Transaction Type	Transfer
Record Updated	Aug 18, 2026
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,110.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12175 UP RIVER RD, ELBERT, CO 80106-9098

Mortgage

Document Number	0000076221,
Date	Aug 10, 2026
Instrument	202676221

Lender

Name	CITADEL SERVICING CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL PASO CO
Property Address	12175 UP RIVER RD, ELBERT, CO 80106-9098
Transaction Type	Mortgage
Record Updated	Apr 18, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000067211
Date	May 13, 2022
Instrument	222067211

Lender

Name	ENT CU
Type	Credit Union
Address	COLORADO SPRINGS, CO 80921

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 28, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL PASO CO
Property Address	12175 UP RIVER RD, ELBERT, CO 80106-9098
Transaction Type	Mortgage
Record Updated	Apr 18, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000024060
Date	Feb 17, 2022
Instrument	222024060

Lender

Name	ENT CU
Type	Credit Union
Address	COLORADO SPRINGS, CO 80921

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Feb 28, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EL PASO CO
Property Address	12175 UP RIVER RD, ELBERT, CO 80106-9098
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000068356
Date	May 19, 2020
Instrument	220068356

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EL PASO CO
Recording Date	Aug 29, 2017
Property Address	12175 UP RIVER RD, ELBERT, CO 80106-9098
Document Number	0000103737
Instrument Date	Aug 11, 2017
Instrument	217103737
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$44.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12175 UP RIVER RD, ELBERT, CO 80106-9098

Mortgage

Document Number	0000103738
Date	Aug 29, 2017
Instrument	217103738

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 12175 Up River Rd was $3,923, up 3.7% from the year before.

Source: El Paso County assessment roll, as of June 1, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	El Paso County
Unified School District	School District 49 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$57,320 (-)	$812,941 (-)
2025	$3,923.00 (+3.67%)	$57,320 (+0.99%) Land $26,460 Building $30,860	$812,941 Land $375,260 Building $437,681
2024	$3,784.00 (+3.16%)	$56,760 (-) Land $19,780 Building $36,980
2023	$3,668.00 (+45.56%)	$56,760 (+56.32%) Land $19,780 Building $36,980	$847,101 (+62.13%) Land $295,100 Building $552,001
2022	$2,520.00	$36,310 Land $15,290 Building $21,020	$522,470 Land $220,000 Building $302,470

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 12175 Up River Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

Source: FEMA National Flood Hazard Layer, effective October 8, 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 7 (15% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2023 · rainfall accumulation

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

Wildfire risk around 12175 Up River Rd is high, ranking above 84% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 84% of the US · above 87% of Colorado
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
StratusIQ Fiber	10,000 / 10,000
Conexon Connect Fiber	2,000 / 2,000
Kellin Communications Fixed Wireless	1,000 / 220
CenturyLink DSL	140 / 20

May also be available: AT&T.

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