2640 Gray St, Wheat Ridge (Denver), CO 80214 Property Records

Jefferson County property record for 2640 Gray St, Wheat Ridge, CO 80214

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 914 sqft · built 1951
Lot Size	0.178 acres (7,754 sqft)
Owner	2 Individual Names on File
Last Sale	$702,500 (Jul 2022)
Tax Bill	$2,992 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`39-254-21-042`

Property Details

APN / Parcel Number

Primary APN	`39-254-21-042`
Alternative APNs	`300021565` `21565`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	914 sqft Living Area
1st Floor Area	914 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1951
Architectural Style	Ranch
Construction Type	Frame
Lot Area	7,754 sqft (0.178 acres)
Garage Type	Detached
Garage Area	600 sqft

Exterior Amenities

Porch	Porch
Porch Area	160 sqft
Deck Area	160 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	300021565
Street Address	2640 GRAY ST
City	WHEAT RIDGE
State	CO
Zip	80214-8122
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION 25 TOWNSHIP 03 RANGE 69 SUBDIVISIONCD 466200 SUBDIVISIONNAME LEONARD BLOCK LOT 0017 SIZE: 7734 TRACT VALUE: .178
Legal Range	69W
Legal Township	03S
Legal Section	25
Legal Subdivision	LEONARD
Legal Lot Number	001
Jurisdiction	JEFFERSON CO
Township / Civil Division	NORTHEAST JEFFERSON
Census Block Group	3
Census Block	3006
Census Tract	10702

Owner

2640 Gray St is owned and occupied by two individuals who bought it in July 2022.

Source: Jefferson County records, as of May 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2640 GRAY ST, WHEAT RIDGE, CO 80214-8122
Occupancy	Owner Occupied
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
Jul 7, 2022	Warranty Deed, Transfer · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC
Oct 13, 2020	Deed of Trust, Mortgage FIRSTBANK
Apr 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIRSTBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2022 · Amount on File
Deed Sale	Jul 7, 2022 · Amount on File
Prior Sale	Jun 16, 2009 · Amount on File
Deed Document Number	202264942
Prior Transfer Date	Feb 12, 2004
Prior Transfer Doc	00F1969618
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON CO
Recording Date	Jul 7, 2022
Property Address	2640 GRAY ST, WHEAT RIDGE, CO 80214-8122
Document Number	0000064942
Instrument Date	Jul 6, 2022
Instrument	2022064942
Transaction Type	Transfer
Record Updated	Jul 15, 2022
Title Company	HERITAGE TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$70.25
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2640 GRAY ST, WHEAT RIDGE, CO 80214-8122
Investor	Possibly a Property Investor

Mortgage

Document Number	0000064943
Date	Jul 7, 2022
Instrument	2022064943

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON CO
Property Address	2640 GRAY ST, WHEAT RIDGE, CO 80214-8122
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAND TITLE GUARANTEE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2640 GRAY ST, WHEAT RIDGE, CO 80214-8122

Mortgage

Document Number	0000132843
Date	Oct 13, 2020
Instrument	2020132843

Lender

Name	FIRSTBANK
Type	Bank
Address	DENVER, CO 80215

Agreement

Amount	Amount on Record
Term	120 Months
Due	Oct 1, 2030

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON CO
Property Address	2640 GRAY ST, WHEAT RIDGE, CO 80214-8122
Document Number	0000045773
Instrument Date	Apr 19, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2640 GRAY ST WHEAT RIDGE CO 802148122, WHEAT RIDGE, CO 80214-8122

Mortgage

Document Number	0000045773
Date	May 2, 2017
Instrument	45773

Lender

Name	FIRSTBANK
Type	Bank
Address	LAKEWOOD, CO 80215

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	May 1, 2022

Interest

Rate	5.79%

Tax Assessment & Valuation

The 2025 property tax bill for 2640 Gray St was $2,992.

Source: Jefferson County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Jefferson County
Municipality	Wheat Ridge City
Unified School District	Jefferson County School District R-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,992.00	$31,864 Land $16,653 Building $15,211	$509,827 Land $266,446 Building $243,381
2023	$2,912.00	$33,312 Land $20,346 Building $12,966	$552,186 Land $303,668 Building $248,518

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 2640 Gray St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 5, 2026 · 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 7 (15% premium discount)
Nearby Flood Policies	1 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

The area around 2640 Gray St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within ember reach

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 580 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	8,000 / 8,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Aerux Broadband, Starry, Verizon.

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