15 Irwin St, Gunnison, CO 81230 Property Records

Gunnison County property record for 15 Irwin St, Gunnison, CO 81230

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,040 sqft · built 1963
Lot Size	0.196 acres (8,580 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Aug 2019)
Tax Bill	$2,079 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R001086`

Property Details

APN / Parcel Number

Primary APN	`R001086`
Alternative APN	`370135126020`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,040 sqft
Basement Area	572 sqft
Finished Basement	572 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1972
Architectural Style	Split Level
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Material	Metal
Lot Area	8,580 sqft (0.196 acres)

Utilities, Heating & Cooling

Heating System	Forced Air
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	R001086
Street Address	15 IRWIN ST
City	GUNNISON
State	CO
Zip	81230-2507
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 20, BLOCK 7, PALISADE ADDITION TO GUNNISON
Legal Subdivision	PALISADE ADDITION GUNNISON
Legal Block	7
Legal Lot Number	20
Jurisdiction	GUNNISON CO
Township / Civil Division	GUNNISON
Census Block Group	2
Census Block	2031
Census Tract	963701

Owner

15 Irwin St is owned and occupied by an individual who bought it in August 2019.

Source: Gunnison County records, as of February 23, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	15 IRWIN ST, GUNNISON, CO 81230-2507
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP
Aug 16, 2019	Warranty Deed, Transfer · Conventional Mortgage BAY EQUITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2019 · Amount on File
Deed Sale	Aug 16, 2019 · Amount on File
Deed Document Number	661746
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUNNISON CO
Property Address	15 IRWIN ST, GUNNISON, CO 81230-2507
Transaction Type	Mortgage
Record Updated	Jun 23, 2022
Title Company	GUNNISON COUNTY ABSTRACT COMPANY, GUNNISON COUNTY ABSTRACT CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15 IRWIN ST, GUNNISON, CO 81230-2507

Mortgage

Document Number	0000672400
Date	Dec 29, 2020
Instrument	672400

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUNNISON CO
Recording Date	Aug 16, 2019
Property Address	15 IRWIN ST, GUNNISON, CO 81230-2507
Document Number	0000661746
Instrument Date	Aug 16, 2019
Instrument	661746
Transaction Type	Transfer
Record Updated	Jun 23, 2022
Title Company	GUNNISON COUNTY ABSTRACT COMPANY, GUNNISON COUNTY ABSTRACT CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	15 IRWIN ST, GUNNISON, CO 81230-2507

Mortgage

Document Number	0000661747
Date	Aug 16, 2019
Instrument	661747

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 15 Irwin St was $2,079, up 35.4% from the year before.

Source: Gunnison County assessment roll, as of August 25, 2025

Property Jurisdictions

Type	Name
State	Colorado
County	Gunnison County
Municipality	Gunnison City
Unified School District	Gunnison Watershed School District RE-1J (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,079.00 (+35.44%)	$38,190 (+15.17%) Land $12,170 Building $26,020	$611,080 Land $194,790 Building $416,290
2024	$1,535.00 (+1.72%)	$33,160 (+12.52%) Land $13,870 Building $19,290
2023	$1,509.00 (-1.18%)	$29,470 (+15.34%) Land $12,330 Building $17,140	$494,860 (+34.61%) Land $207,020 Building $287,840
2022	$1,527.00	$25,550 Land $5,830 Building $19,720	$367,630 Land $83,850 Building $283,780

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 15 Irwin St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 11, 2025 · 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
Flood Insurance Cost	Premium on File median of 45 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	45 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

Wildfire risk around 15 Irwin St is low, with 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 80% of the US · lower than 91% of Colorado
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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 GUNNISON serves 9,610 people · EPA ID CO0126325
Water Source	Groundwater
Last State Inspection	Jan 2026
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 335 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Xtream Internet Fixed Wireless	500 / 100
T-Mobile Fixed Wireless	100 / 20
Visionary Broadband Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Clearnetworx, Verizon.

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