1228 Emerald Rd, Silverthorne, CO 80498 Property Records

Summit County property record for 1228 Emerald Rd, Silverthorne, CO 80498

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.75 ba · 4,776 sqft · built 1997
Lot Size	5.26 acres (229,561 sqft)
Owner	Individual Name on Record
Last Sale	$2,600,000 (Oct 2024)
Tax Bill	$20,056 (2025)
Deeds & Mortgages	Nov 2019 Line of Credit Jan 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`2097-0220-01-016`

Property Details

APN / Parcel Number

Primary APN	`2097-0220-01-016`
Alternative APN	`3900022`

Interior

Bedrooms	4 Beds
Full Baths	2.75 Baths
Half Baths	3 Half Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	4,776 sqft Living Area
1st Floor Area	2,844 sqft
2nd Floor Area	1,932 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Bi-Level
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	229,561 sqft
Terrain	Gentle Slope
View / Lot	Average
Garage Area	1,824 sqft
Parking Spaces	4 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	1228 EMERALD RD
City	SILVERTHORNE
State	CO
Zip	80498-9289
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-P
Legal Description	LOT 40 RUBY RANCH SUB # 2
Legal Subdivision	RUBY RANCH SUB
Legal Lot Number	40
Jurisdiction	SUMMIT CO
Township / Civil Division	SILVERTHORNE
Census Block Group	3
Census Block	3003
Census Tract	102

Owner

Source: Summit County records, as of June 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	1228 EMERALD RD, SILVERTHORNE, CO 80498-9289
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jan 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage MEGASTAR FINANCIAL CORP
Apr 28, 2006	Deed of Trust, Mortgage · Conventional Mortgage AMERICAS WHOLESALE LENDER
Dec 30, 2010	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Feb 25, 2013	Deed of Trust, Mortgage · Conventional Mortgage MEGASTAR FINANCIAL CORP
Oct 21, 2013	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 25, 2024	Warranty Deed, Transfer · Conventional Mortgage BOKF NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2024 · Amount on Record
Deed Sale	Oct 25, 2024 · Amount on Record
Deed Document Number	20241340138
Record Updated	Sep 20, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMMIT CO
Property Address	1228 EMERALD RD, SILVERTHORNE, CO 80498-9289
Transaction Type	Mortgage
Record Updated	Mar 3, 2026
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001214303
Date	Nov 22, 2019
Instrument	1214303

Lender

Name	US BANK NA
Type	Bank
Address	AVON, CO 81620

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMMIT CO
Property Address	1228 EMERALD RD, SILVERTHORNE, CO 80498-9289
Transaction Type	Mortgage
Record Updated	Mar 3, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001248341
Date	Jan 26, 2021
Instrument	1248341

Lender

Name	MEGASTAR FINANCIAL CORP
Type	Funding / Finance Company
Address	DENVER, CO 80204

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

April 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMMIT CO
Property Address	1228 EMERALD RD, SILVERTHORNE, CO 80498-9289
Transaction Type	Mortgage
Record Updated	Mar 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000820690
Date	Apr 28, 2006
Instrument	820690

Lender

Name	AMERICAS WHOLESALE LENDER
Type	Lending Institution
Address	CALABASAS, CA 91302

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2036

December 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMMIT CO
Property Address	1228 EMERALD RD, SILVERTHORNE, CO 80498-9289
Transaction Type	Mortgage
Record Updated	Mar 3, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000954653
Date	Dec 30, 2010
Instrument	954653

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	NEWARK, NJ 07101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2026

February 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMMIT CO
Property Address	1228 EMERALD RD, SILVERTHORNE, CO 80498-9289
Transaction Type	Mortgage
Record Updated	Mar 3, 2026
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001018909
Date	Feb 25, 2013
Instrument	1018909

Lender

Name	MEGASTAR FINANCIAL CORP
Type	Funding / Finance Company
Address	DENVER, CO 80204

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2043

October 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMMIT CO
Property Address	1228 EMERALD RD, SILVERTHORNE, CO 80498-9289
Transaction Type	Mortgage
Record Updated	Mar 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001039918
Date	Oct 21, 2013
Instrument	1039918

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Sep 24, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMMIT CO
Recording Date	Oct 25, 2024
Property Address	1228 EMERALD RD, SILVERTHORNE, CO 80498-9289
Document Number	0001340138
Map Reference	DOC 223718
Instrument Date	Oct 25, 2024
Instrument	1340138
Transaction Type	Transfer
Record Updated	Mar 3, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1228 EMERALD RD, SILVERTHORNE, CO 80498-9289

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1228 EMERALD RD, SILVERTHORNE, CO 80498-9289

Mortgage

Document Number	0001340139
Date	Oct 25, 2024
Instrument	1340139

Lender

Name	BOKF NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2054

Tax Assessment & Valuation

Source: Summit County assessment roll, as of June 16, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Summit County
Unified School District	Summit School District RE-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$20,056.00 (+17.05%)	$176,432 (+17.25%)	$2,594,600 (+15.53%) Land $991,740 Building $1,602,860
2024	$17,134.00 (-2.79%)	$150,469 (-)
2023	$17,626.00 (+18.53%)	$150,469 (+52.37%)	$2,245,800 (+58.05%) Land $950,600 Building $1,295,200
2022	$14,871.00	$98,753	$1,420,900 Land $506,700 Building $914,200

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

Source: FEMA National Flood Hazard Layer, effective May 12, 2024 · 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	Low lower than 80% of the US · lower than 91% of Colorado
Wildfire Likelihood	0.01% 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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Arbor Mesh Internet Fixed Wireless	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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