1620 Saddle Ridge Dr, Evergreen, CO 80439 Property Records

Clear Creek County property record for 1620 Saddle Ridge Dr, Evergreen, CO 80439

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,448 sqft · built 2016
Lot Size	2.36 acres (102,802 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,200,000 (Jul 2026)
Tax Bill	$5,176 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`1963-034-05-001`

Property Details

APN / Parcel Number

Primary APN	`1963-034-05-001`
Alternative APNs	`196310101001` `R012155`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,448 sqft Living Area
Basement Area	1,114 sqft
Finished Basement	1,114 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Contemporary
Exterior Material	Wood
Lot Area	102,802 sqft (2.36 acres)
Garage Area	849 sqft
Parking Spaces	3 Parking Spaces
Deck Area	350 sqft
Patio Area	350 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	R012155
Street Address	1620 SADDLE RIDGE DR
City	EVERGREEN
State	CO
Zip	80439-4934
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MR-1
Legal Description	SUBDIVISION: SADDLEBACK HEIGHTS LOT: 11 427/617
Legal Subdivision	SADDLEBACK HEIGHTS
Legal Lot Number	11
Jurisdiction	CLEAR CREEK CO
Township / Civil Division	IDAHO SPRINGS
Census Block Group	3
Census Block	3062
Census Tract	14702

Owner

Source: Clear Creek County records, as of July 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1620 SADDLE RIDGE DR, EVERGREEN, CO 80439-4934
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Warranty Deed, Transfer · Conventional Mortgage CANVAS CREDIT UNION
Mar 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC
Oct 31, 2022	Deed of Trust, Mortgage · Line of Credit SECURITY SERVICE FCU
Jun 2, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage SUN WEST MORTGAGE COMPANY INC
Mar 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRSTBANK/EUBANK BR
Jan 3, 2017	Quit Claim Deed, Mortgage AMERICAN PACIFIC MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2026 · Amount on Record
Deed Sale	Jul 7, 2026 · Amount on Record
Prior Sale	Jul 17, 2015 · Amount on Record
Deed Document Number	2026319276
Deed Book / Page	1088 / 312
Prior Transfer Date	May 27, 2020
Prior Transfer Doc	0009830641
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEAR CREEK CO
Recording Date	Jul 7, 2026
Property Address	1620 SADDLE RIDGE DR, EVERGREEN, CO 80439-4934
Document Number	0000319276
Book / Page	1088 / 312
Instrument Date	Jul 1, 2026
Instrument	2026319276
Transaction Type	Transfer
Record Updated	Jul 21, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,120.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1620 SADDLE RIDGE DR, EVERGREEN, CO 80439-4934

Mortgage

Document Number	0000319277,
Date	Jul 7, 2026
Instrument	2026319277

Lender

Name	CANVAS CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	7.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEAR CREEK CO
Property Address	1620 SADDLE RIDGE DR, EVERGREEN, CO 80439-4934
Transaction Type	Mortgage
Record Updated	Apr 12, 2024
Title Company	EQUITY TITLE COMPANY, EQUITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1620 SADDLE RIDGE DR, EVERGREEN, CO 80439-4934

Mortgage

Document Number	0010260979
Date	Mar 8, 2022
Book Page	1026/979
Instrument	304987

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEAR CREEK CO
Property Address	1620 SADDLE RIDGE DR, EVERGREEN, CO 80439-4934
Transaction Type	Mortgage
Record Updated	Apr 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0010380396
Date	Oct 31, 2022
Book Page	1038/396
Instrument	307788

Lender

Name	SECURITY SERVICE FCU
Type	Credit Union
Address	SAN ANTONIO, TX 78249

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Nov 1, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLEAR CREEK CO
Recording Date	Jun 2, 2020
Property Address	1620 SADDLE RIDGE DR, EVERGREEN, CO 80439-4934
Document Number	0009830641
Book / Page	983 / 641
Instrument Date	May 27, 2020
Instrument	295600
Transaction Type	Transfer
Record Updated	Jul 26, 2022
Title Company	COLORADO ESCROW & TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1620 SADDLE RIDGE DR, EVERGREEN, CO 80439-4934

Mortgage

Document Number	0000295601
Date	Jun 2, 2020
Instrument	295601

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEAR CREEK CO
Property Address	1620 SADDLE RIDGE DR, EVERGREEN, CO 80439-4934
Document Number	0009460963
Instrument Date	Mar 8, 2018
Transaction Type	Mortgage
Record Updated	Apr 2, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1620 SADDLE RIDGE DR EVERGREEN CO 804394934, EVERGREEN, CO 80439-4934

Mortgage

Document Number	0009460963
Date	Mar 19, 2018
Book Page	000946/000963
Instrument	287356

Lender

Name	FIRSTBANK/EUBANK BR
Type	Bank
Address	FRANKLIN, TN 37067

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 18, 2048

January 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	CLEAR CREEK CO
Recording Date	Jan 3, 2017
Property Address	1620 SADDLE RIDGE DR, EVERGREEN, CO 80439-4934
Document Number	0009290019
Book / Page	00092 / 000019
Instrument Date	Dec 23, 2016
Instrument	282728
Transaction Type	Mortgage
Record Updated	Aug 16, 2018
Title Company	HOMESTEAD TITLE AND ESCROW, HOMESTEAD TITLE & ESCROW

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1620 SADDLE RIDGE DR EVERGREEN CO 804394934, EVERGREEN, CO 80439-4934

Mortgage

Document Number	9290020
Date	Jan 3, 2017
Book Page	000929/000020
Instrument	282729

Lender

Name	AMERICAN PACIFIC MTG
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 2, 2047

Tax Assessment & Valuation

Source: Clear Creek County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Clear Creek County
Unified School District	Clear Creek School District RE-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,176.00 (+35.85%)	$65,780 (+25.34%) Land $4,450 Building $61,330	$1,052,480 (+34.38%) Land $71,200 Building $981,280
2023	$3,810.00 (+7.6%)	$52,480 (+8.65%) Land $4,460 Building $48,020	$783,230 (+12.71%) Land $66,530 Building $716,700
2022	$3,541.00	$48,300 Land $4,950 Building $43,350	$694,900 Land $71,200 Building $623,700

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 December 20, 2019 · 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	5 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2025 · other causes

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 90% of the US · above 94% of Colorado
Wildfire Likelihood	0.8% 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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Visionary Broadband Fixed Wireless	200 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20
Clear Creek Broadband Fixed Wireless	50 / 10

May also be available: CenturyLink, Rise Broadband, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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