122 Summit Lake Dr, Divide, CO 80814 Property Records

Teller County property record for 122 Summit Lake Dr, Divide, CO 80814

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 832 sqft · built 1972
Lot Size	1.06 acres (46,174 sqft)
Owner	Individual Name on Record
Tax Bill	$1,350 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3127.343020100`

Property Details

APN / Parcel Number

Primary APN	`3127.343020100`
Alternative APN	`R0017186`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	832 sqft Living Area
Basement Area	832 sqft
Finished Basement	538 sqft
Interior Walls	Paneling
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2019
Architectural Style	Raised Ranch
Exterior Material	Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	46,174 sqft (1.06 acres)

Exterior Amenities

Porch	Porch
Porch Area	320 sqft
Deck Area	515 sqft
Patio Area	515 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	R0017186
Street Address	122 SUMMIT LAKE DR
City	DIVIDE
State	CO
Zip	80814-9719
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	L43 HIGHLAND LAKES 2
Legal Range	70W
Legal Township	12S
Legal Section	34
Legal Subdivision	HIGHLAND LAKES
Legal Lot Number	43
Jurisdiction	TELLER CO
Township / Civil Division	DIVIDE
Census Block Group	1
Census Block	1013
Census Tract	10112

Owner

Source: Teller County records, as of April 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	122 SUMMIT LAKE DR, DIVIDE, CO 80814-9719
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED TRUST BANK
Oct 23, 2019	Deed of Trust, Mortgage · VA Mortgage NORTH AMERICAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TELLER CO
Property Address	122 SUMMIT LAKE DR, DIVIDE, CO 80814-9719
Transaction Type	Mortgage
Record Updated	Apr 20, 2022
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000749531
Date	Apr 13, 2022
Instrument	749531

Lender

Name	UNITED TRUST BANK
Type	Bank
Address	PALOS HEIGHTS, IL 60463

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TELLER CO
Property Address	122 SUMMIT LAKE DR, DIVIDE, CO 80814-9719
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000720416
Date	Oct 23, 2019
Instrument	720416

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

Source: Teller County assessment roll, as of April 16, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Teller County
Unified School District	Woodland Park School District RE-2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,350.00 (+24.42%)	$18,800 (+17.79%) Land $3,313 Building $15,487
2024	$1,085.00 (+5.03%)	$15,960 (-) Land $2,835 Building $13,125	$300,898 (+2.62%) Land $53,025 Building $247,873
2023	$1,033.00 (+11.19%)	$15,960 (+7.55%) Land $2,830 Building $13,130	$293,210 (+37.31%) Land $52,079 Building $241,131
2022	$929.00	$14,840 Land $1,650 Building $13,190	$213,546 Land $23,725 Building $189,821

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

Flood

Source: FEMA National Flood Hazard Layer, effective February 18, 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	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

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

Wildfire Risk	Very High above 93% of the US · above 96% of Colorado
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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	HIGHLAND LAKES WD serves 875 people · EPA ID CO0160200
Water Source	Groundwater influenced by surface water
Last State Inspection	Jun 2023
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Apr 2026 Failure to filter resolved · Mar 2023 Treatment failure resolved · Dec 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	13 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 83 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
CenturyLink DSL	100 / 10

May also be available: AT&T, Verizon, Vero Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

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