21620 3rd Ave, Phippsburg, CO 80469 Property Records

Routt County property record for 21620 3rd Ave, Phippsburg, CO 80469

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 633 sqft · built 1918
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$149,000 (Jul 2018)
Tax Bill	$1,169 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Nov 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`R5335342`

Property Details

APN / Parcel Number

Primary APN	`R5335342`
Alternative APN	`145916024`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	633 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1988
Architectural Style	Modular
Lot Area	6,098 sqft (0.14 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Propane
Sewer	Municipal

Location & Zoning

Account Number	R5335342
Street Address	21620 3RD AVE
City	PHIPPSBURG
State	CO
Zip	80469-5028
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HT
Legal Description	LOTS 24,25 BLK 16 PHIPPSBURG
Legal Range	85
Legal Township	03
Legal Section	17
Legal Subdivision	PHIPPSBURG
Legal Block	16
Legal Lot Number	24
Jurisdiction	ROUTT CO
Township / Civil Division	OAK CREEK
Census Block Group	1
Census Block	1211
Census Tract	300

Owner

Source: Routt County assessment roll, as of March 27, 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 File
Mailing Address	PO BOX 773256, STEAMBOAT SPRINGS, CO 80477-3256
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF THE SAN JUANS
Nov 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY LLC
Dec 28, 2012	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 7, 2026	Quit Claim Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Nov 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY LLC
Jul 18, 2018	Warranty Deed, Transfer · Conventional Mortgage BAY EQUITY LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 18, 2018 · Amount on Record
Deed Sale	Jul 18, 2018 · Amount on Record
Prior Sale	Jun 18, 2007 · Amount on Record
Deed Document Number	2018791746
Last Transfer Date	May 1, 2026
Transfer Doc	0000868526
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROUTT CO
Property Address	21620 3RD AVE, PHIPPSBURG, CO 80469-5028
Transaction Type	Mortgage
Record Updated	May 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21620 3RD AVE 5, 5, PHIPPSBURG, CO 80469-5028

Mortgage

Document Number	0000837917
Date	Jun 2, 2022
Instrument	837917

Lender

Name	BANK OF THE SAN JUANS
Type	Bank
Address	OAK CREEK, CO 80467

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROUTT CO
Property Address	21620 3RD AVE, PHIPPSBURG, CO 80469-5028
Transaction Type	Mortgage
Record Updated	May 26, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000816544
Date	Nov 12, 2020
Instrument	816544

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company
Address	CORTE MADERA, CA 94925

Agreement

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

December 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROUTT CO
Property Address	21620 3RD AVE, PHIPPSBURG, CO 80469-5028
Transaction Type	Mortgage
Record Updated	May 26, 2026
Title Company	LSI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000733036
Date	Dec 28, 2012
Instrument	733036

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2043

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROUTT CO
Recording Date	May 7, 2026
Property Address	21620 3RD AVE, PHIPPSBURG, CO 80469-5028
Document Number	0000868526
Instrument Date	May 1, 2026
Instrument	2026868526
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0000868527,
Date	May 7, 2026
Instrument	2026868527

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROUTT CO
Property Address	21620 3RD AVE, PHIPPSBURG, CO 80469-5028
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAND TITLE GUARANTEE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	816544
Date	Nov 12, 2020
Instrument	816544

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company
Address	CORTE MADERA, CA 94925

Agreement

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

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROUTT CO
Recording Date	Jul 18, 2018
Property Address	21620 3RD AVE, PHIPPSBURG, CO 80469-5028
Document Number	791746
Instrument Date	Jul 12, 2018
Instrument	791746
Transaction Type	Transfer
Record Updated	Jun 7, 2021
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 773256, STEAMBOAT SPRINGS, CO 80477-3256

Mortgage

Document Number	791747
Date	Jul 18, 2018
Instrument	791747

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

Source: Routt County assessment roll, as of March 27, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Routt County
Unified School District	South Routt School District RE-3 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,169.00 (+21.64%)	$18,030 (+28.97%) Land $5,990 Building $12,040	$255,800 (+22.6%) Land $85,000 Building $170,800
2024	$961.00 (+0.31%)	$13,980 (-) Land $3,310 Building $10,670	$208,640 (-) Land $49,460 Building $159,180
2023	$958.00 (+3.23%)	$13,980 (+14.22%) Land $3,310 Building $10,670	$208,640 (+18.41%) Land $49,460 Building $159,180
2022	$928.00	$12,240 Land $2,570 Building $9,670	$176,200 Land $37,000 Building $139,200

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 November 26, 2025 · 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	6 in force
Nearby Flood Claims	3 (1984–2010)
Most Recent Claim	Jan 2010 · 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	Moderate above 63% of the US · above 53% of Colorado
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Drinking Water

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

Water System	TOWN OF PHIPPSBURG serves 200 people · EPA ID CO0154609
Water Source	Groundwater influenced by surface water
Last State Inspection	Jul 2023
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jun 2025
Treatment and Procedure	Corrosion control Mar 2021 Coliform assessment Nov 2018
Monitoring and Reporting	8 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Luminate Fiber Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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