154 Cowan Rd, Bailey, CO 80421 Property Records

Park County property record for 154 Cowan Rd, Bailey, CO 80421

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,100 sqft · built 2000
Lot Size	0.38 acres (16,553 sqft)
Owner	Individual Name on File
Last Sale	$385,000 (Sep 2022)
Tax Bill	$1,913 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R0019606`

Property Details

APN / Parcel Number

Primary APN	`R0019606`
Alternative APN	`19606`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,100 sqft Living Area
1st Floor Area	1,100 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	16,553 sqft (0.38 acres)
Terrain	Other
Porch	Covered Porch
Porch Area	272 sqft

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	19606
Street Address	154 COWAN RD
City	BAILEY
State	CO
Zip	80421-1534
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T06 R73 S24 NE4 HARRIS PARK ESTATES UNIT 2 BLOCK 023 LOT 03 NEW
Legal Range	73
Legal Township	06
Legal Section	24
Legal Quarter	NE
Legal Subdivision	HARRIS PARK UNIT 2
Legal Block	23
Legal Lot Number	3
Jurisdiction	PARK CO
Township / Civil Division	FAIRPLAY
Census Block Group	1
Census Block	1022
Census Tract	102

Owner

154 Cowan Rd is owned and occupied by an individual who bought it in September 2022.

Source: Park County records, as of February 2, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	154 COWAN RD, BAILEY, CO 80421-1534
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
Sep 19, 2022	Warranty Deed, Transfer · VA Mortgage UNIVERSAL LENDING CORP
Apr 25, 2022	Deed of Trust, Mortgage · FHA Mortgage COMMUNITY LOAN SERVICING LLC
May 22, 2018	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2022 · Amount on File
Deed Sale	Sep 19, 2022 · Amount on File
Prior Sale	May 22, 2018 · Amount on File
Deed Document Number	796419
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PARK CO
Recording Date	Sep 19, 2022
Property Address	154 COWAN RD, BAILEY, CO 80421-1534
Document Number	0000796419
Instrument Date	Sep 9, 2022
Instrument	796419
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	FIRST AMERICAN

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38.50
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	154 COWAN RD, BAILEY, CO 80421-1534

Mortgage

Document Number	0000796420
Date	Sep 19, 2022
Instrument	796420

Lender

Name	UNIVERSAL LENDING CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PARK CO
Property Address	154 COWAN RD, BAILEY, CO 80421-1534
Transaction Type	Mortgage
Record Updated	May 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 COWAN RD, BAILEY, CO 80421-1534

Mortgage

Document Number	0000791962
Date	Apr 25, 2022
Instrument	791962

Lender

Name	COMMUNITY LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	314 Months
Due	Jun 1, 2048

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PARK CO
Recording Date	May 22, 2018
Property Address	154 COWAN RD, BAILEY, CO 80421-1534
Document Number	0000746131
Instrument Date	May 16, 2018
Instrument	746131
Transaction Type	Transfer
Record Updated	Apr 29, 2022
Title Company	CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$27.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 COWAN RD, BAILEY, CO 80421-1534

Mortgage

Document Number	0000746132
Date	May 22, 2018
Instrument	746132

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 154 Cowan Rd was $1,913.

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

Property Jurisdictions

Type	Name
State	Colorado
County	Park County
Unified School District	Platte Canyon School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,913.00	$25,230 Land $1,610 Building $23,620	$403,740 Land $25,794 Building $377,946
2023	$1,963.00 (+34.73%)	$28,040 (+44.54%) Land $1,710 Building $26,330	$473,466 (+69.67%) Land $28,855 Building $444,611
2022	$1,457.00	$19,400 Land $760 Building $18,640	$279,044 Land $10,890 Building $268,154

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 154 Cowan Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2026.

Source: FEMA National Flood Hazard Layer, effective October 27, 2022 · 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
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2026)
Most Recent Claim	Jul 2026 · rainfall accumulation

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 154 Cowan Rd is high, ranking above 78% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 78% of the US · above 79% of Colorado
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 222 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
CenturyLink DSL	100 / 10
Rise Broadband Fixed Wireless	50 / 10

Cell Coverage

4G LTE only, no 5G reported

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