1605 Oak Dr, Berthoud, CO 80513 Property Records

Larimer County property record for 1605 Oak Dr, Berthoud, CO 80513

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,418 sqft · built 1999
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,000 (May 2018)
Tax Bill	$3,430 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`94141-97-004`

Property Details

APN / Parcel Number

Primary APN	`94141-97-004`
Alternative APN	`R1580302`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,418 sqft Living Area
Basement Area	1,418 sqft
Finished Basement	1,418 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2018
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	500 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	R1580302
Old Parcel Number	9414197004
Street Address	1605 OAK DR
City	BERTHOUD
State	CO
Zip	80513-1027
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4, BLK 2, NORTH PARK SUB, 3RD FIL, BER
Legal Range	69
Legal Township	04
Legal Section	14
Legal Quarter	NE
Legal Subdivision	NORTH PARK
Legal Block	2
Legal Lot Number	4
Jurisdiction	LARIMER CO
Township / Civil Division	BERTHOUD
Census Block Group	3
Census Block	3009
Census Tract	2700

Owner

Source: Larimer County records, as of February 2, 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	1605 OAK DR, BERTHOUD, CO 80513-1027
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 28, 2020	Warranty Deed, Transfer · FHA Mortgage ACADEMY MTG
May 29, 2018	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2018 · Amount on Record
Deed Sale	May 29, 2018 · Amount on Record
Prior Sale	Oct 30, 2008
Deed Document Number	20180031988
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	1605 OAK DR, BERTHOUD, CO 80513-1027
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040658
Date	Jun 9, 2020
Instrument	20200040658

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jul 1, 2045

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Oct 28, 2020
Property Address	1605 OAK DR, BERTHOUD, CO 80513-1027
Document Number	0000089131
Instrument Date	Oct 15, 2020
Instrument	89131
Transaction Type	Transfer
Record Updated	Nov 9, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$43.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1605 N 4TH ST BERTHOUD CO 805139347, BERTHOUD, CO 80513-9347

Mortgage

Document Number	89132
Date	Oct 28, 2020
Instrument	89132

Lender

Name	ACADEMY MTG
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 27, 2050

Mortgage

Document Number	89133,
Date	Oct 28, 2020
Instrument	89133

Lender

Name	HOUSING FIN AUTH
Address	1981 BLAKE ST, DENVER, CO 80202-1229

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 27, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	May 29, 2018
Property Address	1605 OAK DR, BERTHOUD, CO 80513-1027
Document Number	0000031988
Instrument Date	May 25, 2018
Instrument	20180031988
Transaction Type	Transfer
Record Updated	Mar 28, 2022
Title Company	NORTH AMERICAN TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1605 OAK DR, BERTHOUD, CO 80513-1027

Mortgage

Document Number	0000031989
Date	May 29, 2018
Instrument	20180031989

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Colorado
Municipality	Berthoud Town
County	Larimer County
Unified School District	Thompson School District R-2J (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,430.00 (+6.39%)	$33,900 (-11.84%) Land $2,531 Building $31,369	$542,400 (-5.49%) Land $40,500 Building $501,900
2023	$3,224.00 (+16.73%)	$38,452 (+33.51%) Land $2,714 Building $35,738	$573,900 (+38.49%) Land $40,500 Building $533,400
2022	$2,762.00	$28,801 Land $2,815 Building $25,986	$414,400 Land $40,500 Building $373,900

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
Nearby Flood Policies	1 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	Low lower than 94% of the US · lower than 97.5% of Colorado
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	TOWN OF BERTHOUD serves 14,211 people · EPA ID CO0135138
Water Source	Surface water
Last State Inspection	Dec 2021
Lead	10 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jul 2019
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 92 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Hilltop Broadband Fiber	1,000 / 1,000
Vistabeam Fixed Wireless	500 / 80
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, CenturyLink.

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