2648 Cutter Dr, Severance (Fort Collins), CO 80524 Property Records

Weld County property record for 2648 Cutter Dr, Severance, CO 80524

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,282 sqft · built 2022
Lot Size	1.5 acres (65,340 sqft)
Owner	Company Name on Record
Last Sale	$871,300 (Mar 2025)
Tax Bill	$9,104 (2025)
Deeds & Mortgages	Mar 2025 Sale Mar 2023 Sale & Reverse Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7050-94-0-40-16`

Property Details

APN / Parcel Number

Primary APN	`7050-94-0-40-16`
Alternative APNs	`0705-09-4-04-016` `R8952574`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Plumbing Fixtures	17 Plumbing Fixtures
Stories	1 Story
Building Area	3,282 sqft Living Area
Gross Area	4,871 sqft
1st Floor Area	1,957 sqft
Basement Area	1,957 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Ranch
Exterior Material	Combination
Roof Material	Composition Shingle
Lot Area	65,340 sqft (1.5 acres)
Garage Type	Attached
Garage Area	957 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R8952574
Street Address	2648 CUTTER DR
City	SEVERANCE
State	CO
Zip	80524-8562
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 SADDLER PUD RPLT
Legal Subdivision	SADDLER PUD RPLT
Legal Block	4
Legal Lot Number	16
Jurisdiction	WELD CO
Township / Civil Division	AULT
Census Block Group	4
Census Block	4016
Census Tract	2300

Owner

Source: Weld County records, as of August 12, 2026

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

Owner of Record	Company Name on Record
Mailing Address	410 N SCOTTSDALE RD, 1600, TEMPE, AZ 85288-0976
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2025	Warranty Deed, Transfer OS NATIONAL LLC
Mar 20, 2023	Special Warranty Deed, Subdivision Related Transfer · Reverse Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 19, 2025 · Amount on Record
Deed Sale	Mar 19, 2025 · Amount on Record
Prior Sale	Mar 20, 2023 · Amount on Record
Deed Document Number	20255017171
Record Updated	Sep 20, 2026

March 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WELD CO
Recording Date	Mar 19, 2025
Property Address	2648 CUTTER DR, SEVERANCE, CO 80524-8562
Document Number	0005017171
Instrument Date	Mar 17, 2025
Instrument	5017171
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$87.13
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2648 CUTTER DR, SEVERANCE, CO 80524-8562

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

March 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	WELD CO
Recording Date	Mar 20, 2023
Property Address	2648 CUTTER DR, SEVERANCE, CO 80524-8562
Document Number	0004887529
Instrument Date	Mar 17, 2023
Instrument	4887529
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 1, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$84.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	428 KIMBARK ST, LONGMONT, CO 80501-5526

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2648 CUTTER DR, SEVERANCE, CO 80524-8562

Mortgage

Document Number	0004887530
Date	Mar 20, 2023
Instrument	4887530

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	848 Months
Due	Nov 24, 2093

Interest

Rate Type	Adjustable Rate
Rate	7.62%
Type Change Date	May 1, 2023
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	12.6%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Colorado
County	Weld County
Municipality	Severance Town
Unified School District	Windsor School District RE-4 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$52,360 (-0.29%) Land $11,840 Building $40,520	$840,036 (-) Land $190,000 Building $650,036
2025	$9,104.00 (-9.52%)	$52,510 (+134.32%) Land $11,880 Building $40,630	$840,036 (+153.56%) Land $190,000 Building $650,036
2024	$10,062.00 (+238.45%)
2023	$2,973.00	$22,410 Land $11,840 Building $10,570	$331,302 Land $175,000 Building $156,302

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective June 28, 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
Nearby Flood Claims	1 (1999)
Most Recent Claim	Apr 1999 · Flooding 4/30/99

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	Moderate above 48% of the US · lower than 68% of Colorado
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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	NORTH WELD COUNTY WD serves 15,890 people · EPA ID CO0162553
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2023
Lead	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LightGig Communications Fiber	10,000 / 10,000
CenturyLink Fiber	2,000 / 1,000
Vistabeam Fixed Wireless	500 / 80
Verizon Fixed Wireless	300 / 20

May also be available: Visionary Broadband.

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