12438 Co Rd 1, Wiggins, CO 80654 Property Records

Morgan County property record for 12438 Co Rd 1, Wiggins, CO 80654

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.75 ba · 4,152 sqft · built 1994
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Last Sale	$320,000 (Aug 2019)
Tax Bill	$2,420 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1223-320-01-004`

Property Details

APN / Parcel Number

Primary APN	`1223-320-01-004`
Alternative APN	`R017686`

Interior

Bedrooms	5 Beds
Full Baths	1.75 Baths
Total Rooms	11 Rooms
Stories	1 Story
Building Area	4,152 sqft Total Area
1st Floor Area	2,262 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	217,800 sqft (5 acres)
Lot Dimensions	633 ft deep x 344 ft wide
Garage Type	Mixed
Garage Area	720 sqft
Parking Spaces	7 Parking Spaces
Porch	Porch
Porch Area	36 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	12438 COUNTY ROAD 1
City	WIGGINS
State	CO
Zip	80654-8214
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBD BIJOU CREEK MINOR SUB CORRECTION WI (32-3-60) LOT 04 S 32 T 3 R 60 PARC NW14SW14
Legal Range	60
Legal Township	03
Legal Section	32
Legal Subdivision	BIJOU CREEK MINOR SUB CORRECTION
Legal Lot Number	4
Jurisdiction	MORGAN CO
Township / Civil Division	WIGGINS
Census Block Group	1
Census Block	1045
Census Tract	200

Owner

Source: Morgan County assessment roll, as of March 31, 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 File
Mailing Address	12438 COUNTY ROAD 1, WIGGINS, CO 80654-8214
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2022	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCING CORP
Aug 26, 2019	Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCING CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 26, 2019 · Amount on Record
Deed Sale	Aug 26, 2019 · Amount on Record
Deed Document Number	2019920318
Record Updated	Jun 8, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN CO
Property Address	12438 COUNTY ROAD 1, WIGGINS, CO 80654-8214
Transaction Type	Mortgage
Record Updated	Jan 6, 2023
Title Company	FITCO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000944307
Date	Dec 27, 2022
Instrument	944307

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN CO
Recording Date	Aug 26, 2019
Property Address	12438 COUNTY ROAD 1, WIGGINS, CO 80654-8214
Document Number	0000920318
Instrument Date	Aug 22, 2019
Instrument	920318
Transaction Type	Transfer
Record Updated	May 24, 2021
Title Company	FIRST AMERICAN

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$32.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12438 COUNTY ROAD 1, WIGGINS, CO 80654-8214

Mortgage

Document Number	0000920319
Date	Aug 26, 2019
Instrument	920319

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Mortgage

Document Number	0000920320
Date	Aug 26, 2019
Instrument	920320

Lender

Name	COLORADO HOUSING & FINANCE AUTHORITY
Type	Government Agency
Address	DENVER, CO 80202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

Source: Morgan County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Morgan County
Unified School District	Wiggins School District RE-50J (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,420.00 (+16.23%)	$30,510 (+8.96%) Land $6,170 Building $24,340	$488,110 (+16.81%) Land $98,720 Building $389,390
2024	$2,082.00	$28,000 (-11.62%) Land $5,850 Building $22,150	$417,870 (-11.63%) Land $87,240 Building $330,630
2023	$2,082.00 (+1.96%)	$31,680 (+18.74%) Land $6,610 Building $25,070	$472,870 (+23.17%) Land $98,720 Building $374,150
2022	$2,042.00	$26,680 Land $5,920 Building $20,760	$383,910 Land $85,250 Building $298,660

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 June 8, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	Moderate above 60% of the US · above 48% of Colorado
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wiggins Telephone Association Fiber	1,000 / 500

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Co Rd 1

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures