12886 Steele Ct, Thornton, CO 80241 Property Records

Adams County property record for 12886 Steele Ct, Thornton, CO 80241

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,383 sqft · built 1978
Lot Size	0.35 acres (15,252 sqft)
Owner	2 Individual Names on File
Last Sale	$539,000 (May 2024)
Tax Bill	$1,383 (2025)
Deeds & Mortgages	May 2024 Sale & Mortgage Aug 2020 Reverse Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`1573-25-3-04-031`

Property Details

APN / Parcel Number

Primary APN	`1573-25-3-04-031`
Alternative APNs	`0157325304031` `R0016144`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,383 sqft Living Area
Gross Area	2,947 sqft
1st Floor Area	1,380 sqft
Basement Area	1,083 sqft
Finished Basement	1,003 sqft
Unfinished Basement	80 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	15,252 sqft (0.35 acres)
Lot Width	80 ft Width
View / Lot	Open Space
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	R0016144
Street Address	12886 STEELE CT
City	THORNTON
State	CO
Zip	80241-2135
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUB:LAKE VILLAGE FILING NO 4 BLK:1 LOT:9
Legal Range	68W
Legal Township	01S
Legal Section	25
Legal Quarter	3
Legal Subdivision	LAKE VILLAGE FILING NO 4
Legal Block	1
Legal Lot Number	9
Jurisdiction	ADAMS CO
Township / Civil Division	WEST ADAMS
Census Block Group	1
Census Block	1010
Census Tract	8545

Owner

12886 Steele Ct is owned and occupied by two individuals who bought it in May 2024.

Source: Adams County records, as of March 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12886 STEELE CT, THORNTON, CO 80241-2135
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
May 9, 2024	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 11, 2020	Deed of Trust, Mortgage · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC
Nov 4, 2022	Intrafamily Transfer, Transfer
Dec 20, 2018	Deed of Trust, Mortgage · Reverse Mortgage V I P MORTGAGE INC
Aug 5, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Dec 13, 2018	Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER
Oct 31, 2016	Deed of Trust, Mortgage · Line of Credit PUBLIC SVC CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2024 · Amount on File
Deed Sale	May 9, 2024 · Amount on File
Prior Sale	Oct 16, 1995 · Amount on File
Deed Document Number	202424770
Record Updated	Oct 29, 2026

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAMS CO
Recording Date	May 9, 2024
Property Address	12886 STEELE CT, THORNTON, CO 80241-2135
Document Number	0000024770
Instrument Date	May 6, 2024
Instrument	2024000024770
Transaction Type	Transfer
Record Updated	May 22, 2024
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$53.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12886 STEELE CT, THORNTON, CO 80241-2135

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	12886 STEELE CT, THORNTON, CO 80241-2135

Mortgage

Document Number	0000024771
Date	May 9, 2024
Instrument	2024000024771

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2054

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS CO
Property Address	12886 STEELE CT, THORNTON, CO 80241-2135
Transaction Type	Mortgage
Record Updated	Dec 22, 2022
Title Company	AVALANCHE TITLE & ERROR LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000076911
Date	Aug 11, 2020
Instrument	2020000076911

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender
Address	BLOOMFIELD, NJ 07003

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ADAMS CO
Recording Date	Nov 4, 2022
Property Address	12886 STEELE CT, THORNTON, CO 80241-2135
Document Number	0000089637
Instrument Date	Nov 1, 2022
Instrument	2022000089637
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2573 W 135TH AVE, BROOMFIELD, CO 80020-5118

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2573 W 135TH AVE, BROOMFIELD, CO 80020-5118

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS CO
Property Address	12886 STEELE CT, THORNTON, CO 80241-2135
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	HOMESTEAD TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000101451
Date	Dec 20, 2018
Instrument	2018000101451

Lender

Name	V I P MORTGAGE INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85258

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	939 Months
Due	Mar 2, 2097

Interest

Rate Type	Adjustable Rate
Rate	5.35%
Type Change Date	Jan 1, 2020
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	5%
Index	LIBOR
Max Rate	5%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS CO
Property Address	12886 STEELE CT, THORNTON, CO 80241-2135
Document Number	0000076912
Instrument Date	Aug 5, 2020
Transaction Type	Mortgage
Record Updated	Aug 18, 2020
Title Company	AVALANCHE TITLE AND ESCROW LLC, AVALANCHE TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12886 STEELE CT DENVER CO 802412135, DENVER, CO 80241-2135

Mortgage

Document Number	0000076912
Date	Aug 11, 2020
Instrument	76912

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	924 Months
Due	Aug 10, 2097

Interest

Rate Type	Adjustable Rate
Rate	2.82%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS CO
Property Address	12886 STEELE CT, THORNTON, CO 80241-2135
Document Number	0000101452
Instrument Date	Dec 13, 2018
Transaction Type	Mortgage
Record Updated	Jan 2, 2019
Title Company	HOMESTEAD TITLE AND ESCROW, HOMESTEAD TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12886 STEELE CT THORNTON CO 802412135, THORNTON, CO 80241-2135

Mortgage

Document Number	0000101452
Date	Dec 20, 2018
Instrument	101452

Lender

Name	FEDERAL HSNG COMMISSIONER
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	948 Months
Due	Dec 19, 2097

Interest

Rate Type	Adjustable Rate
Rate	5.35%

October 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS CO
Property Address	12886 STEELE CT, THORNTON, CO 80241-2135
Document Number	0000011636
Instrument Date	Oct 31, 2016
Transaction Type	Mortgage
Record Updated	Feb 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12886 STEELE CT THORNTON CO 802412135, THORNTON, CO 80241-2135

Mortgage

Document Number	0000011636
Date	Feb 7, 2017
Instrument	11636

Lender

Name	PUBLIC SVC CU
Type	Credit Union
Address	ENGLEWOOD, CO 80155

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Feb 6, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 12886 Steele Ct was $1,383, down 45.3% from the year before.

Source: Adams County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Adams County
Municipality	Thornton City
Unified School District	Adams 12 Five Star Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,383.00 (-45.27%)	$35,500 Land $7,280 Building $28,220	$522,000 Land $107,000 Building $415,000
2024	$2,527.00 (-33.64%)
2023	$3,808.00 (+6.7%)	$34,900 (+7.72%) Land $6,490 Building $28,410	$516,000 (+10.67%) Land $96,000 Building $420,000
2022	$3,569.00	$32,400 Land $13,340 Building $19,060	$466,240 Land $192,000 Building $274,240

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

FEMA maps place 12886 Steele Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 2, 2026 · 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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2024 · other causes

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 12886 Steele Ct is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.6% of Colorado
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	CITY OF THORNTON serves 226,465 people · EPA ID CO0101150
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 337 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Rise Broadband Fixed Wireless	300 / 60
CenturyLink DSL · Fiber in parts of the area	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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