248 Water St, Red Cliff, CO 81649 Property Records

Eagle County property record for 248 Water St, Red Cliff, CO 81649

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,000 sqft · built 1920
Lot Size	0.067 acres (2,919 sqft)
Owner	2 Individual Names on File
Last Sale	$485,000 (May 2023)
Tax Bill	$2,329 (2024)
Deeds & Mortgages	Apr 2026 Line of Credit Jan 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R052571`

Property Details

APN / Parcel Number

Primary APN	`R052571`
Alternative APN	`2205 191 02 033`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,000 sqft Living Area
Gross Area	1,240 sqft
1st Floor Area	1,000 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1995
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	2,919 sqft (0.067 acres)
Porch	Finished/Open Porch
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Floor/Wall Furnace
Heating Fuel	Gas

Location & Zoning

Account Number	R052571
Street Address	248 WATER ST
City	RED CLIFF
State	CO
Zip	81649
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION: RED CLIFF BLOCK: N LOT: 23 770984 MAP 10-30-01 863839 QCD 12-31-03 931541 QCD 08-26-05 932345 QCD 09-29-05 941353 QCD 12-15-05 200610951 QCD 03-31-06 200712804 QCD 05-16-07
Legal Range	80W
Legal Township	6S
Legal Section	19
Legal Quarter	1
Legal Subdivision	RED CLIFF
Legal Block	N
Legal Lot Number	23
Jurisdiction	EAGLE CO
Township / Civil Division	MINTURN-RED CLIFF
Census Block Group	1
Census Block	1187
Census Tract	600

Owner

248 Water St is owned by two individuals who bought it in May 2023.

Source: Eagle County records, as of April 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 97, AVON, CO 81620-0097
Owner Type	Individual
Vesting	Joint Tenants

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
Apr 1, 2026	Deed of Trust, Mortgage · Line of Credit UNITED WHOLESALE MORTGAGE
Jan 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage G-MORTGAGE LLC
May 16, 2023	Special Warranty Deed, Transfer · Conventional Mortgage SUSTAIN MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 16, 2023 · Amount on File
Deed Sale	May 16, 2023 · Amount on File
Prior Sale	Oct 17, 2012 · Amount on File
Deed Document Number	20235264
Prior Transfer Date	May 14, 2007
Prior Transfer Doc	0000012804
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EAGLE CO
Recording Date	Apr 1, 2026
Property Address	248 WATER ST, RED CLIFF, CO 81649
Document Number	0000004052
Instrument Date	Mar 26, 2026
Instrument	20264052
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004052,
Date	Apr 1, 2026
Instrument	20264052

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 1, 2046

Interest

Rate	5.98%
Max Rate	-1%

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EAGLE CO
Property Address	248 WATER ST, RED CLIFF, CO 81649
Transaction Type	Mortgage
Record Updated	Feb 2, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	248 WATER ST, RED CLIFF, CO 81649

Mortgage

Document Number	0000000776
Date	Jan 21, 2026
Instrument	202600776

Lender

Name	G-MORTGAGE LLC
Type	Mortgage Company
Address	DENVER, CO 80210

Agreement

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

May 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	EAGLE CO
Recording Date	May 16, 2023
Property Address	248 WATER ST, RED CLIFF, CO 81649
Document Number	0000005264
Map Reference	DOC 770984
Instrument Date	May 15, 2023
Instrument	202305264
Transaction Type	Transfer
Record Updated	May 31, 2023
Title Company	LAND TITLE GUARANTEE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$48.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	248 WATER ST, RED CLIFF, CO 81649

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	PO BOX 97, AVON, CO 81620-0097

Mortgage

Document Number	0000005265
Date	May 16, 2023
Instrument	202305265

Lender

Name	SUSTAIN MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Tax Assessment & Valuation

Source: Eagle County assessment roll, as of March 11, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Eagle County
Municipality	Red Cliff Town
Unified School District	Eagle County School District RE 50 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$32,580 Land $7,590 Building $24,990	$521,400 Land $121,500 Building $399,900
2024	$2,329.00 (+0.78%)
2023	$2,311.00	$28,720 Land $7,890 Building $20,830	$428,690 Land $117,730 Building $310,960

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 248 Water St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 4, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AO, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 17 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	2 (1987–2019)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2019 · river or lake flooding

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

Wildfire risk around 248 Water St is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 56% of the US · above 40% of Colorado
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TOWN OF RED CLIFF serves 469 people · EPA ID CO0119671
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Vero Fiber Fixed Wireless	75 / 75

Cell Coverage

No cell data coverage reported

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