218 Ridgeway Dr, Cotopaxi, CO 81223 Property Records

Fremont County property record for 218 Ridgeway Dr, Cotopaxi, CO 81223

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,778 sqft · built 2020
Lot Size	6.32 acres (275,299 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,793 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Mar 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R025056`

Property Details

APN / Parcel Number

Primary APN	`R025056`
Alternative APN	`77002310`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,778 sqft Living Area
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Multi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	275,299 sqft (6.32 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Deck Area	Deck Area
Shed	1 Shed
Shed Area	40 sqft

Utilities, Heating & Cooling

Heating System	Space Heater

Location & Zoning

Account Number	R025056
Street Address	218 RIDGEWAY DR
City	COTOPAXI
State	CO
Zip	81223-9316
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BLK 3 SPRUCE BASIN FIL #3
Legal Subdivision	SPRUCE BASIN
Legal Block	3
Legal Lot Number	1
Jurisdiction	FREMONT CO
Township / Civil Division	COTOPAXI
Census Block Group	2
Census Block	2008
Census Tract	979001

Owner

Source: Fremont County assessment roll, as of May 27, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	218 RIDGEWAY DR, COTOPAXI, CO 81223-9316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage HIGH COUNTRY BANK
Mar 7, 2023	Deed of Trust, Mortgage · Conventional Mortgage CITIBANK NA
Feb 26, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Feb 1, 1994
Transfer Doc	0001176910
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREMONT CO
Recording Date	Jun 11, 2026
Property Address	218 RIDGEWAY DR, COTOPAXI, CO 81223-9316
Document Number	0001056305
Instrument Date	Jun 5, 2026
Instrument	20261056305
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ICE MORTGAGE TECHNOLOGY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 RIDGEWAY DR, COTOPAXI, CO 81223-9316
Investor	Possibly a Property Investor

Mortgage

Document Number	0001056305,
Date	Jun 11, 2026
Instrument	20261056305

Lender

Name	HIGH COUNTRY BANK

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREMONT CO
Property Address	218 RIDGEWAY DR, COTOPAXI, CO 81223-9316
Transaction Type	Mortgage
Record Updated	Mar 11, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 RIDGEWAY DR, COTOPAXI, CO 81223-9316
Investor	Possibly a Property Investor

Mortgage

Document Number	0001025197
Date	Mar 7, 2023
Instrument	1025197

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREMONT CO
Property Address	218 RIDGEWAY DR, COTOPAXI, CO 81223-9316
Transaction Type	Mortgage
Record Updated	Mar 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0001034514
Date	Feb 26, 2024
Instrument	1034514

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30342

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2044

Tax Assessment & Valuation

Source: Fremont County assessment roll, as of May 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,793.00 (+32.13%)	$40,496 (+8.74%)	$647,932 (+16.57%)
2024	$1,357.00 (-1.88%)	$37,241 (+10.98%)
2023	$1,383.00 (+66.63%)	$33,556 (+55.32%)	$555,827 (+646.12%)
2022	$830.00	$21,604 Land $21,604	$74,496 Land $74,496

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 October 23, 2022 · 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 9 (5% premium discount)
Nearby Flood Policies	5 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	High above 79% of the US · above 81% of Colorado
Wildfire Likelihood	0.3% 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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