21904 Cougar Ct, Elbert, CO 80106 Property Records

Elbert County property record for 21904 Cougar Ct, Elbert, CO 80106

Property Summary

Property Type	Single Family Home
Details	2 bd · 4 ba · 4,458 sqft · built 1998
Lot Size	8.22 acres (358,499 sqft)
Owner	2 Individual Names on File
Last Sale	$307,000 (Aug 2013)
Tax Bill	$4,340 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Sep 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04171-01-001`

Property Details

APN / Parcel Number

Primary APN	`04171-01-001`
Alternative APN	`R100885`

Interior

Bedrooms	2 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	4,458 sqft Living Area
1st Floor Area	2,513 sqft
Basement Area	2,290 sqft
Finished Basement	1,945 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Architectural Style	Ranch
Exterior Material	Logs
Construction Type	Wood
Foundation Type	Concrete
Roof Material	Other
Lot Area	358,499 sqft (8.22 acres)
Garage Type	Attached
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Other
Heating System	Forced Air

Location & Zoning

Account Number	R100885
Old Parcel Number	0417101001
Street Address	21904 COUGAR CT
City	ELBERT
State	CO
Zip	80106-9640
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA-1
Legal Description	SECTION: 17 TOWNSHIP: 10 RANGE: 64 SUBDIVISION: ACADEMY EAST F4 LOT: 104
Legal Range	64
Legal Township	10
Legal Section	17
Legal Quarter	NE
Legal Subdivision	ACADEMY EAST F4
Legal Lot Number	104
Jurisdiction	ELBERT CO
Township / Civil Division	ELIZABETH
Census Block Group	2
Census Block	2035
Census Tract	961209

Owner

21904 Cougar Ct is owned and occupied by two individuals who bought it in August 2013.

Source: Elbert County records, as of February 9, 2026

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	21904 COUGAR CT, ELBERT, CO 80106-9640
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
Oct 23, 2019	Deed of Trust, Mortgage · Commercial Mortgage ACADEMY BANK NA
Sep 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage ARMED FORCES BANK NA
Nov 25, 2020	Deed of Trust, Mortgage · Line of Credit ENT CU
Sep 27, 2021	Deed of Trust, Mortgage · Line of Credit ENT CU
Nov 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2013 · Amount on File
Deed Sale	Aug 5, 2013 · Amount on File
Deed Document Number	538321
Prior Transfer Date	Mar 13, 2013
Prior Transfer Doc	534144
Record Updated	Jun 8, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELBERT CO
Property Address	21904 COUGAR CT, ELBERT, CO 80106-9640
Transaction Type	Mortgage
Record Updated	Jun 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007980584
Date	Oct 23, 2019
Book Page	0798/0584
Instrument	589878

Lender

Name	ACADEMY BANK NA
Type	Bank
Address	COLORADO SPRINGS, CO 80920

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELBERT CO
Property Address	21904 COUGAR CT, ELBERT, CO 80106-9640
Transaction Type	Mortgage
Record Updated	Jun 21, 2022
Title Company	EMPIRE TITLE CO SPRINGS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008080370
Date	Sep 30, 2020
Book Page	808/370
Instrument	599751

Lender

Name	ARMED FORCES BANK NA
Type	Bank
Address	OVERLAND PARK, KS 66210

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELBERT CO
Property Address	21904 COUGAR CT, ELBERT, CO 80106-9640
Transaction Type	Mortgage
Record Updated	Jun 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008100425
Date	Nov 25, 2020
Book Page	810/425
Instrument	601826

Lender

Name	ENT CU
Type	Credit Union
Address	COLORADO SPRINGS, CO 80929

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Nov 28, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELBERT CO
Property Address	21904 COUGAR CT, ELBERT, CO 80106-9640
Transaction Type	Mortgage
Record Updated	Jun 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008200873
Date	Sep 27, 2021
Book Page	820/873
Instrument	612401

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 28, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELBERT CO
Property Address	21904 COUGAR CT, ELBERT, CO 80106-9640
Transaction Type	Mortgage
Record Updated	Jun 21, 2022
Title Company	FITCO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008220479
Date	Nov 16, 2021
Book Page	822/479
Instrument	614039

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 21904 Cougar Ct was $4,340.

Source: Elbert County assessment roll, as of August 25, 2025

Property Jurisdictions

Type	Name
State	Colorado
County	Elbert County
Unified School District	Elbert School District 200 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,340.00	$58,250 Land $6,560 Building $51,690	$932,000 Land $105,000 Building $827,000
2023	$3,312.00 (+2.38%)	$51,820 (+11.42%) Land $6,570 Building $45,250	$773,400 (+15.56%) Land $98,029 Building $675,371
2022	$3,235.00	$46,510 Land $6,950 Building $39,560	$669,237 Land $100,000 Building $569,237

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 21904 Cougar Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 5, 2024

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

Wildfire risk around 21904 Cougar Ct is high, ranking above 81% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 81% of the US · above 84% of Colorado
Wildfire Likelihood	0.5% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BAM Broadband Fixed Wireless · not low latency	1,000 / 100

May also be available: CenturyLink, Kellin Communications.

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