1398 Spring Gulch Dr, Lyons, CO 80540 Property Records

Larimer County property record for 1398 Spring Gulch Dr, Lyons, CO 80540 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 2,357 sqft · built 1994
Lot Size	9.43 acres (410,771 sqft)
Owner	2 Individual Names on File
Last Sale	$560,000 (Feb 2013)
Tax Bill	$7,553 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Jun 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14351-05-003`

Property Details

APN / Parcel Number

Primary APN	`14351-05-003`
Alternative APN	`R0593443`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,357 sqft Living Area
Gross Area	3,275 sqft
Upper Floors Area	190 sqft
Basement Area	480 sqft
Finished Basement	156 sqft
Unfinished Basement	324 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Bi-Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	410,771 sqft (9.43 acres)
Terrain	Gentle Slope
Garage Type	Attached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Wood Porch
Porch Area	312 sqft
Deck Area	28 sqft
Patio Area	266 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Wood
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	R0593443
Street Address	1398 SPRING GULCH DR
City	LYONS
State	CO
Zip	80540
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3, SPRING GULCH RANCH EST 2ND
Legal Range	71W
Legal Township	4N
Legal Section	35
Legal Subdivision	SPRING GULCH RANCH ESTATES
Legal Lot Number	3
Jurisdiction	LARIMER CO
Township / Civil Division	ESTES PARK
Census Block Group	1
Census Block	1073
Census Tract	1905

Owner

Source: Larimer County records · APN 14351-05-003

Assessment roll updated February 9, 2026 · Last verified May 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 File
Mailing Address	PO BOX 2511, LYONS, CO 80540-2511
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2021	Deed of Trust, Mortgage · Line of Credit UMB BANK NA
Jun 19, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF OMAHA
Apr 22, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF OMAHA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 19, 2013 · Amount on Record
Deed Sale	Feb 19, 2013 · Amount on Record
Prior Sale	Jan 20, 1998 · Amount on Record
Deed Document Number	201313076
Prior Transfer Date	Mar 02, 2010
Prior Transfer Doc	0000014878
Record Updated	Jun 08, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	1398 SPRING GULCH DR, LYONS, CO 80540
Transaction Type	Mortgage
Record Updated	Dec 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1398 SPRING GULCH DR, LYONS, CO 80540

Mortgage

Document Number	0000113538
Date	Dec 16, 2021
Instrument	20210113538

Lender

Name	UMB BANK NA
Type	Bank
Address	DENVER, CO 80207

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 08, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	1398 SPRING GULCH DR, LYONS, CO 80540
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036922
Date	Jun 19, 2018
Instrument	20180036922

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank
Address	HONOLULU, HI 96814

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 14, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	1398 SPRING GULCH DR, LYONS, CO 80540
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020044
Date	Apr 22, 2019
Instrument	20190020044

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank
Address	OMAHA, NE 68197

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 09, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Larimer County records · Assessment roll updated February 9, 2026 · Last verified May 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,553.00 (-4.74%)	$64,400 (-20.22%) Land $18,000 Building $46,400	$1,030,400 (-14.48%) Land $288,000 Building $742,400
2024	$7,929.00 (+0.92%)
2023	$7,857.00 (+47.8%)	$80,722 (+55.63%) Land $19,296 Building $61,426	$1,204,800 (+61.44%) Land $288,000 Building $916,800
2022	$5,316.00	$51,868 Land $14,692 Building $37,176	$746,300 Land $211,400 Building $534,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Larimer County (08069C), updated September 30, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 080690019051, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Very High above 95% of the US · above 98% of Colorado
Wildfire Likelihood	About 1 in 66 per year
Exposure	Direct burnable vegetation at the parcel

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 10 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)	Low Latency
Xbar7 Communications	Fixed Wireless (unlicensed)	200 / 200	Yes
Z3N	Fixed Wireless (unlicensed)	200 / 30	No
JAB Wireless	Fixed Wireless (unlicensed)	25 / 5	Yes

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Spring Gulch Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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