135 Lake Dr, Lyons, CO 80540 Property Records

Larimer County property record for 135 Lake Dr, Lyons, CO 80540

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,876 sqft · built 1971
Lot Size	15.2 acres (666,032 sqft)
Owner	2 Individual Names on Record
Last Sale	$918,000 (May 2025)
Tax Bill	$7,168 (2025)
Deeds & Mortgages	Sep 2022 Reverse Mortgage Dec 2017 Reverse Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14363-06-021`

Property Details

APN / Parcel Number

Primary APN	`14363-06-021`
Alternative APN	`R1056620`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,876 sqft Living Area
Gross Area	3,596 sqft
1st Floor Area	1,618 sqft
Upper Floors Area	110 sqft
Basement Area	1,258 sqft
Finished Basement	1,258 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	666,032 sqft (15.2 acres)
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Slab
Porch Area	390 sqft
Patio Area	110 sqft
Balcony Area	110 sqft
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	R1056620
Street Address	135 LAKE DR
City	LYONS
State	CO
Zip	80540-8361
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	O
Legal Description	LOT 21, AMD PLAT LOTS 21 & 22, SPRING GULCH RANCH ESTATES, 1ST
Legal Range	71W
Legal Township	4N
Legal Section	36
Legal Subdivision	SPRING GULCH RANCH ESTATES
Legal Lot Number	21,22
Jurisdiction	LARIMER CO
Township / Civil Division	ESTES PARK
Census Block Group	1
Census Block	1059
Census Tract	1905

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	135 LAKE DR, LYONS, CO 80540-8361
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2022	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Dec 7, 2017	Deed of Trust, Mortgage · Reverse Mortgage SUN WEST MORTGAGE COMPANY INC
Dec 1, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 9, 2025 · Amount on Record
Deed Sale	May 9, 2025 · Amount on Record
Prior Sale	May 1, 1994
Deed Document Number	202520513
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	135 LAKE DR, LYONS, CO 80540-8361
Transaction Type	Mortgage
Record Updated	Sep 7, 2022
Title Company	FITCO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	135 LAKE DR, LYONS, CO 80540-8361

Mortgage

Document Number	0000054221
Date	Sep 1, 2022
Instrument	20220054221

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	788 Months
Due	May 29, 2088

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	135 LAKE DR, LYONS, CO 80540-8361
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	FIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000082371
Date	Dec 7, 2017
Instrument	20170082371

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	CERRITOS, CA 90703

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	862 Months
Due	Oct 12, 2089

Interest

Rate Type	Adjustable Rate
Rate	4.31%
Type Change Date	Oct 1, 2019
Change Frequency	Annually
Min Rate At Change	2%
Index	1-Year LIBOR
Max Rate	5%

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	135 LAKE DR, LYONS, CO 80540-8361
Document Number	0000082372
Instrument Date	Dec 1, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	135 LAKE DR LYONS CO 805408361, LYONS, CO 80540-8361

Mortgage

Document Number	0000082372
Date	Dec 7, 2017
Instrument	82372

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	864 Months
Due	Dec 6, 2089

Interest

Rate Type	Adjustable Rate
Rate	4.31%

Tax Assessment & Valuation

Source: Larimer County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Larimer County
Unified School District	St. Vrain Valley School District RE 1J (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,168.00 (+4.86%)	$67,369 (-12.27%) Land $18,000 Building $49,369	$1,077,900 (-5.96%) Land $288,000 Building $789,900
2024	$6,836.00 (+0.93%)
2023	$6,773.00 (+72.87%)	$76,795 (+69.99%) Land $19,296 Building $57,499	$1,146,200 (+76.34%) Land $288,000 Building $858,200
2022	$3,918.00	$45,175 Land $14,692 Building $30,483	$650,000 Land $211,400 Building $438,600

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 September 30, 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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
xBar7 Communications Fixed Wireless	200 / 200
Lyons Communications Fixed Wireless · not low latency	200 / 30
Rise Broadband Fixed Wireless	50 / 10

Cell Coverage

5G and 4G LTE (outdoors only)

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