20 Spur Rd, Divide, CO 80814 Property Records

Teller County property record for 20 Spur Rd, Divide, CO 80814

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 826 sqft · built 1998
Lot Size	1.05 acres (45,738 sqft)
Owner	Individual Name on Record
Last Sale	$348,742 (Jan 2026)
Tax Bill	$1,564 (2025)
Deeds & Mortgages	Aug 2024 Line of Credit Jan 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2289.074170390`

Property Details

APN / Parcel Number

Primary APN	`2289.074170390`
Alternative APN	`R0010322`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	826 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	45,738 sqft (1.05 acres)
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	400 sqft
Patio Area	401 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	R0010322
Street Address	20 SPUR RD
City	DIVIDE
State	CO
Zip	80814-7759
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	L67 RAINBOW VALLEY 5
Legal Range	69W
Legal Township	14S
Legal Section	07
Legal Subdivision	RAINBOW VALLEY
Legal Lot Number	67
Jurisdiction	TELLER CO
Township / Civil Division	DIVIDE
Census Block Group	2
Census Block	2043
Census Tract	10110

Owner

Source: Teller County records, as of April 16, 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
Mailing Address	20 SPUR RD, DIVIDE, CO 80814-7759
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2024	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jan 20, 2026	Warranty Deed, Transfer · Conventional Mortgage THE TURNKEY FOUNDATION INC
Oct 19, 2020	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Jun 19, 2018	Warranty Deed, Transfer VECTRA BK/CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 20, 2026 · Amount on Record
Deed Sale	Jan 20, 2026 · Amount on Record
Prior Sale	Oct 19, 2020 · Amount on Record
Deed Document Number	2026778770
Record Updated	Oct 29, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TELLER CO
Property Address	20 SPUR RD, DIVIDE, CO 80814-7759
Transaction Type	Mortgage
Record Updated	Feb 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000767526
Date	Aug 16, 2024
Instrument	767526

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Sep 6, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TELLER CO
Recording Date	Jan 20, 2026
Property Address	20 SPUR RD, DIVIDE, CO 80814-7759
Document Number	0000778770
Instrument Date	Jan 13, 2026
Instrument	778770
Transaction Type	Transfer
Record Updated	Feb 2, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$34.87
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 SPUR RD, DIVIDE, CO 80814-7759

Mortgage

Document Number	0000778771
Date	Jan 20, 2026
Instrument	778771

Lender

Name	THE TURNKEY FOUNDATION INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TELLER CO
Recording Date	Oct 19, 2020
Property Address	20 SPUR RD, DIVIDE, CO 80814-7759
Document Number	0000730822
Instrument Date	Oct 16, 2020
Instrument	730822
Transaction Type	Transfer
Record Updated	Mar 7, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$23.30
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	20 SPUR RD, DIVIDE, CO 80814-7759

Mortgage

Document Number	0000730823
Date	Oct 19, 2020
Instrument	730823

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

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

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TELLER CO
Recording Date	Jun 19, 2018
Property Address	20 SPUR RD, DIVIDE, CO 80814-7759
Document Number	0000707681
Instrument Date	Jun 14, 2018
Instrument	707681
Transaction Type	Transfer
Record Updated	Jul 3, 2018
Title Company	EMPIRE TITLE/COMPANY SPRINGS LLC

Transaction

Tax	$0.00
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	20 SPUR RD DIVIDE CO 808147759, DIVIDE, CO 80814-7759

Mortgage

Document Number	707682
Date	Jun 19, 2018
Instrument	707682

Lender

Name	VECTRA BK/CO
Type	Bank
Address	DENVER, CO 80222

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2048

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	Cripple Creek-Victor School District RE-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,564.00 (+16.72%)	$21,100 (+10.82%) Land $1,130 Building $19,970
2024	$1,340.00 (+6.1%)	$19,040 (-) Land $964 Building $18,076	$337,598 (-0.48%) Land $18,080 Building $319,518
2023	$1,263.00 (+20.52%)	$19,040 (+19%) Land $960 Building $18,080	$339,234 (+47.29%) Land $17,185 Building $322,049
2022	$1,048.00	$16,000 Land $580 Building $15,420	$230,315 Land $8,407 Building $221,908

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 · 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	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

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	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	RAINBOW VALLEY WD serves 130 people · EPA ID CO0160375
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	4 ppb (2019) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Jan 2018 Treatment failure resolved · Jan 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TellerWifi Fixed Wireless	60 / 20

May also be available: Vero Fiber.

Cell Coverage

No cell data coverage reported

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