188 Cedar Way, Black Hawk, CO 80422 Property Records

Gilpin County property record for 188 Cedar Way, Black Hawk, CO 80422

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,650 sqft · built 1995
Lot Size	1.18 acres (51,488 sqft)
Owner	Individual Name on File
Last Sale	$450,000 (Sep 2019)
Tax Bill	$1,351 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Nov 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1709-361-01-186`

Property Details

APN / Parcel Number

Primary APN	`1709-361-01-186`
Alternative APN	`R003349`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,650 sqft Heated Area
Gross Area	3,280 sqft
1st Floor Area	942 sqft
Basement Area	942 sqft
Finished Basement	354 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1996
Architectural Style	Custom Design
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	51,488 sqft (1.18 acres)
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	108 sqft
Patio Area	156 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	R003349
Street Address	188 CEDAR WAY
City	BLACK HAWK
State	CO
Zip	80422-8872
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S: 36 T: 2S R: 73W SUBD: MISSOURI LAKES FILING #2 BLOCK: 004 LOT: 004
Legal Range	73W
Legal Township	02S
Legal Section	36
Legal Subdivision	MISSOURI LAKES FILING #2
Legal Block	4
Legal Lot Number	4
Jurisdiction	GILPIN CO
Township / Civil Division	CENTRAL CITY
Census Block Group	2
Census Block	2026
Census Tract	13802

Owner

188 Cedar Way is owned and occupied by an individual who bought it in September 2019.

Source: Gilpin County records, as of April 2, 2026

Owner of Record	Individual Name on File
Mailing Address	188 CEDAR WAY, BLACK HAWK, CO 80422-8872
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
Jul 6, 2021	Deed of Trust, Mortgage · Line of Credit PREMIER MEMBERS CU
Nov 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
Sep 20, 2019	Warranty Deed, Transfer · Conventional Mortgage SIERRA PACIFIC MORTGAGE CO INC
May 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage ON TAP CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 20, 2019 · Amount on File
Deed Sale	Sep 20, 2019 · Amount on File
Prior Sale	May 24, 1996 · Amount on File
Deed Document Number	2019164530
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILPIN CO
Property Address	188 CEDAR WAY, BLACK HAWK, CO 80422-8872
Transaction Type	Mortgage
Record Updated	Aug 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000169645
Date	Jul 6, 2021
Instrument	169645

Lender

Name	PREMIER MEMBERS CU
Type	Credit Union
Address	BOULDER, CO 80303

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Jun 25, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILPIN CO
Property Address	188 CEDAR WAY, BLACK HAWK, CO 80422-8872
Transaction Type	Mortgage
Record Updated	Mar 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000167806
Date	Nov 23, 2020
Instrument	167806

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company
Address	FOLSOM, CA 95630

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILPIN CO
Recording Date	Sep 20, 2019
Property Address	188 CEDAR WAY, BLACK HAWK, CO 80422-8872
Document Number	0000164530
Instrument Date	Sep 11, 2019
Instrument	164530
Transaction Type	Transfer
Record Updated	Apr 1, 2022
Title Company	CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$45.00
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	188 CEDAR WAY, BLACK HAWK, CO 80422-8872

Mortgage

Document Number	0000164531
Date	Sep 20, 2019
Instrument	164531

Lender

Name	SIERRA PACIFIC MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILPIN CO
Property Address	188 CEDAR WAY, BLACK HAWK, CO 80422-8872
Document Number	0000163572
Instrument Date	May 22, 2019
Transaction Type	Mortgage
Record Updated	Jun 19, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 CEDAR WAY BLACK HAWK CO 804228872, BLACK HAWK, CO 80422-8872

Mortgage

Document Number	0000163572
Date	May 24, 2019
Instrument	163572

Lender

Name	ON TAP CU
Address	GOLDEN, CO 80401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 23, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 188 Cedar Way was $1,351, up 7.9% from the year before.

Source: Gilpin County assessment roll, as of April 2, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,351.00 (+7.91%)	$44,790 (+0.38%) Land $4,500 Building $40,290	$716,640 (+7.61%) Land $72,000 Building $644,640
2024	$1,252.00 (+1.21%)	$44,620 (-) Land $4,270 Building $40,350	$665,930 (-) Land $63,736 Building $602,194
2023	$1,237.00 (+16.92%)	$44,620 (+30.09%) Land $4,270 Building $40,350	$665,930 (+34.94%) Land $63,736 Building $602,194
2022	$1,058.00	$34,300 Land $4,170 Building $30,130	$493,510 Land $60,000 Building $433,510

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 188 Cedar Way in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 22, 2023 · 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	3 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

Wildfire risk around 188 Cedar Way is high, ranking above 83% 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 83% of the US · above 86% of Colorado
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Great Plains Communications Cable · Fiber in parts of the area	1,000 / 250
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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