Teller County property record for 1278 Ridge Rd, Divide, CO 80814
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 1,000 sqft · built 1988 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $296,000 (Sep 2018) |
| Tax Bill | $1,942 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3029.202350020 |
| Primary APN | 3029.202350020 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,000 sqft Living Area |
| Basement Area | 960 sqft |
| Finished Basement | 960 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Raised Ranch |
| Exterior Material | Siding |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Detached |
| Garage Area | 744 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 342 sqft |
| Deck Area | 101 sqft |
| Patio Area | 581 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | R0014005 |
|---|---|
| Street Address | 1278 RIDGE RD |
| City | DIVIDE |
| State | CO |
| Zip | 80814-9698 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | L12 B3 SPRING VALLEY 8 |
| Legal Range | 69W |
| Legal Township | 12S |
| Legal Section | 20 |
| Legal Subdivision | SPRING VALLEY 1-10 |
| Legal Block | 3 |
| Legal Lot Number | 12 |
| Jurisdiction | TELLER CO |
| Township / Civil Division | DIVIDE |
| Census Block Group | 1 |
| Census Block | 1079 |
| Census Tract | 10111 |
1278 Ridge Rd is owned and occupied by an individual who bought it in September 2018.
Source: Teller County records, as of April 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1278 RIDGE RD, DIVIDE, CO 80814-9698 |
| 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.
| Date | Document |
|---|---|
| Dec 4, 2025 | Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU |
| Feb 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NBH BANK NA |
| Sep 26, 2018 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 26, 2018 · Amount on File |
| Deed Sale | Sep 26, 2018 · Amount on File |
| Prior Sale | Sep 20, 2016 · Amount on File |
| Deed Document Number | 2018710500 |
| Prior Transfer Date | Dec 3, 1998 |
| Prior Transfer Doc | 0000485205 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TELLER CO |
| Property Address | 1278 RIDGE RD, DIVIDE, CO 80814-9698 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1278 RIDGE RD, DIVIDE, CO 80814-9698 |
| Document Number | 0000777887 |
|---|---|
| Date | Dec 4, 2025 |
| Instrument | 777887 |
| Name | QUORUM FEDERAL CU |
|---|---|
| Type | Credit Union |
| Address | PURCHASE, NY 10577 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | TELLER CO |
| Property Address | 1278 RIDGE RD, DIVIDE, CO 80814-9698 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2022 |
| Title Company | CAPITAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000735107 |
|---|---|
| Date | Feb 18, 2021 |
| Instrument | 735107 |
| Name | NBH BANK NA |
|---|---|
| Type | Bank |
| Address | COLORADO SPRINGS, CO 80918 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 353 Months |
| Due | Jul 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | TELLER CO |
| Recording Date | Sep 26, 2018 |
| Property Address | 1278 RIDGE RD, DIVIDE, CO 80814-9698 |
| Document Number | 0000710500 |
| Instrument Date | Sep 17, 2018 |
| Instrument | 710500 |
| Transaction Type | Transfer |
| Record Updated | Oct 9, 2018 |
| Title Company | EMPIRE TITLE/COMPANY SPRINGS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $29.60 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1278 RIDGE RD DIVIDE CO 808149698, DIVIDE, CO 80814-9698 |
| Document Number | 710501 |
|---|---|
| Date | Sep 26, 2018 |
| Instrument | 710501 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 25, 2048 |
The 2025 property tax bill for 1278 Ridge Rd was $1,942, up 12.6% from the year before.
Source: Teller County assessment roll, as of April 16, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Teller County |
| Unified School District | Woodland Park School District RE-2 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,942.00 (+12.58%) | $29,440 (+6.09%) Land $2,840 Building $26,600 | |
| 2024 | $1,725.00 (+4.93%) | $27,750 (-) Land $2,502 Building $25,248 | $471,030 (+0.38%) Land $45,440 Building $425,590 |
| 2023 | $1,644.00 (+21.78%) | $27,750 (+15.15%) Land $2,500 Building $25,250 | $469,250 (+35.31%) Land $42,317 Building $426,933 |
| 2022 | $1,350.00 | $24,100 Land $2,440 Building $21,660 | $346,794 Land $35,119 Building $311,675 |
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.
FEMA maps place 1278 Ridge Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective February 18, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 1278 Ridge Rd is very high, ranking above 92% of the US, with a 1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Very High above 92% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | VALLEY MAINT CORP NO 1 private · serves 470 people · EPA ID CO0160550 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Copper | 1.46 mg/L (2026) action level 1.3 mg/L |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control currently in violation since Jul 2025 No certified operator Nov 2023 |
| Monitoring and Reporting | 61 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 72 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| CenturyLink DSL | 40 / 3 |
May also be available: Verizon, Vero Fiber.
4G LTE (outdoors only), no 5G reported
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