Larimer County property record for 1638 Stilt St, Berthoud, CO 80513
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,548 sqft · built 2017 |
| Lot Size | 0.155 acres (6,752 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $325,500 (May 2017) |
| Tax Bill | $3,076 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Dec 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 94031-22-007 |
| Primary APN | 94031-22-007 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,548 sqft Living Area |
| Basement Area | 1,438 sqft |
| Interior Walls | Wallboard/Drywall |
| Fire Sprinklers | Fire Sprinklers |
| Year Built | Built 2017 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 6,752 sqft (0.155 acres) |
| Garage Type | Attached |
| Garage Area | 610 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 364 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R1661163 |
|---|---|
| Street Address | 1638 STILT ST |
| City | BERTHOUD |
| State | CO |
| Zip | 80513-7043 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 7, BLOCK 1, HERON POINTE SUB LOT 1A, BER (20160036859) |
| Legal Quarter | NE |
| Legal Subdivision | HERON POINTE SUB LOT 1A |
| Legal Block | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | LARIMER CO |
| Township / Civil Division | BERTHOUD |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 2602 |
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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 1638 STILT ST, BERTHOUD, CO 80513-7043 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP |
| Dec 7, 2019 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING |
| May 2, 2017 | Special Warranty Deed, Subdivision Related Transfer · ARM ELEVATIONS CU |
| Jan 11, 2017 | Special Warranty Deed, Transfer HERITAGE TITLE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 2, 2017 · Amount on Record |
| Deed Sale | May 2, 2017 · Amount on Record |
| Prior Sale | Jan 11, 2017 · Amount on Record |
| Deed Document Number | 20170028316 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LARIMER CO |
| Property Address | 1638 STILT ST, BERTHOUD, CO 80513-7043 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Title Company | FITCO |
| Name | Verified Name |
|---|
| Document Number | 0000062929 |
|---|---|
| Date | Jun 29, 2021 |
| Instrument | 20210062929 |
| Name | AMERICAN FINANCING CORP |
|---|---|
| Type | Lending Institution |
| Address | AURORA, CO 80014 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LARIMER CO |
| Property Address | 1638 STILT ST, BERTHOUD, CO 80513-7043 |
| Document Number | 0000081756 |
| Instrument Date | Dec 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2020 |
| Title Company | FIRST INTEGRITY TITLE |
| Name | Verified Name |
|---|---|
| Address | 1638 STILT ST BERTHOUD CO 805137043, BERTHOUD, CO 80513-7043 |
| Document Number | 0000081756 |
|---|---|
| Date | Dec 23, 2019 |
| Instrument | 81756 |
| Name | AMERICAN FINANCING |
|---|---|
| Type | Funding / Finance Company |
| Address | AURORA, CO 80014 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 22, 2049 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | LARIMER CO |
| Recording Date | May 2, 2017 |
| Property Address | 1638 STILT ST, BERTHOUD, CO 80513-7043 |
| Document Number | 0000028316 |
| Instrument Date | Apr 28, 2017 |
| Instrument | 20170028316 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 28, 2022 |
| Title Company | HERITAGE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $32.55 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1638 STILT ST, BERTHOUD, CO 80513-7043 |
| Document Number | 0000028317 |
|---|---|
| Date | May 2, 2017 |
| Instrument | 20170028317 |
| Name | ELEVATIONS CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Type Change Date | May 1, 2024 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.87% |
| Index | 1-Year LIBOR |
| Max Rate | 8.87% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | LARIMER CO |
| Recording Date | Jan 11, 2017 |
| Property Address | 1638 STILT ST, BERTHOUD, CO 80513-7043 |
| Document Number | 0000002072 |
| Instrument Date | Jan 10, 2017 |
| Instrument | 20170002072 |
| Transaction Type | Transfer |
| Record Updated | Oct 11, 2022 |
| Title Company | HERITAGE TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $21.75 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7251 W 20TH ST UNIT L200, L200, GREELEY, CO 80634-4626 |
Source: Larimer County assessment roll, as of August 25, 2025
| Type | Name |
|---|---|
| State | Colorado |
| Municipality | Berthoud Town |
| County | Larimer County |
| Unified School District | Thompson School District R-2J (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,076.00 (+4.48%) | $30,406 (-14.19%) Land $6,375 Building $24,031 | $486,500 (-8.02%) Land $102,000 Building $384,500 |
| 2023 | $2,944.00 (+20.66%) | $35,436 (+39.27%) Land $6,834 Building $28,602 | $528,900 (+44.47%) Land $102,000 Building $426,900 |
| 2022 | $2,440.00 | $25,444 Land $6,081 Building $19,363 | $366,100 Land $87,500 Building $278,600 |
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.
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 |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 4 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 82% of Colorado |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 173 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber · Cable in parts of the area | 2,000 / 250 |
| CenturyLink Fiber | 940 / 940 |
| Vistabeam Fixed Wireless | 500 / 80 |
| Verizon Fixed Wireless | 300 / 20 |
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