23318 Co Rd 5, Elbert, CO 80106 Property Records

Elbert County property record for 23318 Co Rd 5, Elbert, CO 80106

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 3,161 sqft · built 1995
Lot Size	18.5 acres (808,909 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Dec 2018)
Tax Bill	$3,431 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Dec 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05023-00-027`

Property Details

APN / Parcel Number

Primary APN	`05023-00-027`
Alternative APN	`R100992`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	3,161 sqft Living Area
1st Floor Area	1,525 sqft
Basement Area	1,512 sqft
Finished Basement	1,512 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Fiber Cement Siding
Construction Type	Wood
Foundation Type	Concrete
Roof Material	Other
Lot Area	808,909 sqft (18.5 acres)
Garage Type	Detached
Garage Area	1,200 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	R100992
Old Parcel Number	0502300027
Street Address	23318 COUNTY ROAD 5
City	ELBERT
State	CO
Zip	80106-9527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	SECTION: 2 TOWNSHIP: 10 RANGE: 65 :PAR IN W2SW4 (TOTAL 18.570 A)
Legal Range	65
Legal Township	10
Legal Section	02
Legal Quarter	SW
Legal Subdivision	RURALO
Legal Block	284
Jurisdiction	ELBERT CO
Township / Civil Division	ELIZABETH
Census Block Group	2
Census Block	2026
Census Tract	961209

Owner

23318 Co Rd 5 is owned and occupied by an individual who bought it in December 2018.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	23318 COUNTY ROAD 5, ELBERT, CO 80106-9527
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
Feb 10, 2020	Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY BANKS OF COLORADO
Dec 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSAL LENDING CORP
Mar 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNIVERSAL LENDING CORP
Dec 4, 2018	Warranty Deed, Transfer · FHA Mortgage UNIVERSAL LENDING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2018 · Amount on File
Deed Sale	Dec 4, 2018 · Amount on File
Prior Sale	Aug 31, 2005 · Amount on File
Deed Document Number	582290
Deed Book / Page	0791 / 0085
Record Updated	Jun 8, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELBERT CO
Property Address	23318 COUNTY ROAD 5, ELBERT, CO 80106-9527
Transaction Type	Mortgage
Record Updated	Jul 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008010429
Date	Feb 10, 2020
Book Page	0801/0429
Instrument	592750

Lender

Name	COMMUNITY BANKS OF COLORADO
Type	Bank
Address	ELIZABETH, CO 80107

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELBERT CO
Property Address	23318 COUNTY ROAD 5, ELBERT, CO 80106-9527
Transaction Type	Mortgage
Record Updated	Jul 26, 2022
Title Company	HERITAGE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008000254
Date	Dec 26, 2019
Book Page	0800/0254
Instrument	591564

Lender

Name	UNIVERSAL LENDING CORP
Type	Lending Institution
Address	DENVER, CO 80224

Agreement

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

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELBERT CO
Property Address	23318 COUNTY ROAD 5, ELBERT, CO 80106-9527
Transaction Type	Mortgage
Record Updated	Jul 26, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0008130776
Date	Mar 1, 2021
Book Page	813/776
Instrument	605203

Lender

Name	UNIVERSAL LENDING CORP
Type	Mortgage Company
Address	DENVER, CO 80224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELBERT CO
Recording Date	Dec 4, 2018
Property Address	23318 COUNTY ROAD 5, ELBERT, CO 80106-9527
Document Number	0007910085
Book / Page	0791 / 0085
Instrument Date	Nov 27, 2018
Instrument	582290
Transaction Type	Transfer
Record Updated	Jul 26, 2022
Title Company	NORTH AMERICAN TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31.50
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
Relationship	Joint Tenants
Address	23318 COUNTY ROAD 5, ELBERT, CO 80106-9527

Mortgage

Document Number	0000582292
Date	Dec 4, 2018
Instrument	582292

Lender

Name	UNIVERSAL LENDING CORP
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 23318 Co Rd 5 was $3,431.

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	$3,431.00	$46,040 Land $10,440 Building $35,600	$736,700 Land $167,100 Building $569,600
2023	$2,766.00 (+14.49%)	$43,280 (+24.62%) Land $9,170 Building $34,110	$646,017 (+29.25%) Land $136,904 Building $509,113
2022	$2,416.00	$34,730 Land $6,190 Building $28,540	$499,836 Land $89,136 Building $410,700

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 23318 Co Rd 5 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 23318 Co Rd 5 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Kellin Communications Fixed Wireless	1,000 / 220
BAM Broadband Fixed Wireless · not low latency	1,000 / 100

Cell Coverage

4G LTE (outdoors only), no 5G reported

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