185 Bear Lake Cir, Divide, CO 80814 Property Records

Teller County property record for 185 Bear Lake Cir, Divide, CO 80814

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.75 ba · 1,836 sqft · built 1999
Lot Size	2.33 acres (101,495 sqft)
Owner	2 Company Names on Record
Last Sale	$750,000 (Jun 2022)
Tax Bill	$3,361 (2025)
Deeds & Mortgages	Apr 2026 Sale Jun 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3127.343010130`

Property Details

APN / Parcel Number

Primary APN	`3127.343010130`
Alternative APN	`R0017178`

Interior

Bedrooms	3 Beds
Full Baths	3.75 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,836 sqft Living Area
Basement Area	1,796 sqft
Finished Basement	1,411 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2018
Architectural Style	Ranch
Exterior Material	Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	101,495 sqft (2.33 acres)
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Deck Area	206 sqft
Patio Area	550 sqft
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	R0017178
Street Address	185 BEAR LAKE CIR
City	DIVIDE
State	CO
Zip	80814-7926
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	L13 HIGHLAND LAKES 2
Legal Range	70W
Legal Township	12S
Legal Section	34
Legal Subdivision	HIGHLAND LAKES
Legal Lot Number	13
Jurisdiction	TELLER CO
Township / Civil Division	DIVIDE
Census Block Group	3
Census Block	3004
Census Tract	10112

Owner

Source: Teller County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	185 BEAR LAKE CIR, DIVIDE, CO 80814-7926
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jun 15, 2022	Warranty Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
May 3, 2022	Deed of Trust, Mortgage · Line of Credit ENT CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2022 · Amount on Record
Deed Sale	Jun 15, 2022 · Amount on Record
Prior Sale	Dec 18, 2002 · Amount on Record
Deed Document Number	2022751519
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TELLER CO
Recording Date	Apr 24, 2026
Property Address	185 BEAR LAKE CIR, DIVIDE, CO 80814-7926
Document Number	0000780719
Instrument Date	Apr 24, 2026
Instrument	2026780719
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	185 BEAR LAKE CIR, DIVIDE, CO 80814-7926

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TELLER CO
Recording Date	Jun 15, 2022
Property Address	185 BEAR LAKE CIR, DIVIDE, CO 80814-7926
Document Number	0000751519
Instrument Date	Jun 10, 2022
Instrument	751519
Transaction Type	Transfer
Record Updated	Jun 22, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75.00
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	135 VERNON PL, PUEBLO, CO 81004-1740

Mortgage

Document Number	0000751520
Date	Jun 15, 2022
Instrument	751520

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

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

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TELLER CO
Property Address	185 BEAR LAKE CIR, DIVIDE, CO 80814-7926
Transaction Type	Mortgage
Record Updated	May 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000750127
Date	May 3, 2022
Instrument	750127

Lender

Name	ENT CU
Type	Credit Union
Address	COLORADO SPRINGS, CO 80921

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 28, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Teller County assessment roll, as of April 16, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Teller County
Unified School District	Woodland Park School District RE-2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,361.00 (+10.52%)	$46,810 (+4.65%) Land $2,816 Building $43,994
2024	$3,041.00 (+23.47%)	$44,730 (+17.62%) Land $3,062 Building $41,668	$748,965 (+3.64%) Land $45,056 Building $703,909
2023	$2,463.00 (+45.91%)	$38,030 (+41.17%) Land $2,600 Building $35,430	$722,684 (+48.2%) Land $49,480 Building $673,204
2022	$1,688.00	$26,940 Land $1,680 Building $25,260	$487,631 Land $30,432 Building $457,199

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 February 18, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Extreme above 95% of the US · above 98.4% of Colorado
Wildfire Likelihood	1% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HIGHLAND LAKES WD serves 875 people · EPA ID CO0160200
Water Source	Groundwater influenced by surface water
Last State Inspection	Jun 2023
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Apr 2026 Failure to filter resolved · Mar 2023 Treatment failure resolved · Dec 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	13 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 83 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
CenturyLink DSL	100 / 10

May also be available: AT&T, Verizon, Vero Fiber.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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