28 Pinon Cir, Black Hawk, CO 80422 Property Records

Gilpin County property record for 28 Pinon Cir, Black Hawk, CO 80422

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,832 sqft · built 1973
Lot Size	0.93 acres (40,511 sqft)
Owner	Individual Name on File
Last Sale	$245,000 (Nov 2014)
Tax Bill	$936 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Mar 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1709-363-03-174`

Property Details

APN / Parcel Number

Primary APN	`1709-363-03-174`
Alternative APN	`R003123`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,832 sqft Heated Area
Gross Area	5,194 sqft
1st Floor Area	832 sqft
Upper Floors Area	780 sqft
Basement Area	1,300 sqft
Finished Basement	520 sqft
Unfinished Basement	780 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	40,511 sqft (0.93 acres)
Garage Type	Basement
Garage Area	845 sqft
Parking Spaces	3 Parking Spaces
Patio Area	264 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	R003123
Street Address	28 PINON CIR
City	BLACK HAWK
State	CO
Zip	80422-8824
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S: 36 T: 2S R: 73W SUBD: MISSOURI LAKES FILING #1 BLOCK: 001 LOT: 059 & IMPS
Legal Range	73W
Legal Township	02S
Legal Section	36
Legal Subdivision	MISSOURI LAKES FILING #1
Legal Block	1
Legal Lot Number	59
Jurisdiction	GILPIN CO
Township / Civil Division	CENTRAL CITY
Census Block Group	2
Census Block	2054
Census Tract	13802

Owner

28 Pinon Cir is owned and occupied by an individual who bought it in November 2014.

Source: Gilpin County records, as of August 6, 2026

Owner of Record	Individual Name on File
Mailing Address	28 PINON CIR, BLACK HAWK, CO 80422-8824
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
Jul 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage CREDIT UNION COMMUNITY CREDIT UNION
Mar 3, 2026	Deed of Trust, Mortgage · Line of Credit NORTH IOWA COMMUNITY CU
Mar 22, 2022	Deed of Trust, Mortgage · Line of Credit NORTH IOWA COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2014 · Amount on File
Deed Sale	Nov 4, 2014 · Amount on File
Deed Document Number	2014152474
Prior Transfer Date	Dec 26, 2011
Prior Transfer Doc	0000145688
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILPIN CO
Recording Date	Jul 7, 2026
Property Address	28 PINON CIR, BLACK HAWK, CO 80422-8824
Document Number	0000180763
Instrument Date	Jun 17, 2026
Instrument	2026180763
Transaction Type	Mortgage
Record Updated	Aug 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 PINON CIR, BLACK HAWK, CO 80422-8824

Mortgage

Document Number	0000180763,
Date	Jul 7, 2026
Instrument	2026180763

Lender

Name	CREDIT UNION COMMUNITY CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILPIN CO
Property Address	28 PINON CIR, BLACK HAWK, CO 80422-8824
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000180033
Date	Mar 3, 2026
Instrument	180033

Lender

Name	NORTH IOWA COMMUNITY CU
Type	Credit Union
Address	640 S FEDERAL AVE, MASON CITY, IA 50401

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Feb 9, 2041

Interest

Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GILPIN CO
Property Address	28 PINON CIR, BLACK HAWK, CO 80422-8824
Transaction Type	Mortgage
Record Updated	Apr 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000171939
Date	Mar 22, 2022
Instrument	171939

Lender

Name	NORTH IOWA COMMUNITY CU
Type	Credit Union
Address	MASON CITY, IA 50402

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 28 Pinon Cir was $936, up 1.5% from the year before.

Source: Gilpin County assessment roll, as of April 2, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Gilpin County
Unified School District	Gilpin County School District RE-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$936.00 (+1.52%)	$31,030 (-5.57%) Land $4,500 Building $26,530	$496,420 (+1.23%) Land $72,000 Building $424,420
2024	$922.00 (+1.21%)	$32,860 (-) Land $4,160 Building $28,700	$490,400 (-) Land $62,042 Building $428,358
2023	$911.00 (+10.29%)	$32,860 (+22.75%) Land $4,160 Building $28,700	$490,400 (+27.33%) Land $62,042 Building $428,358
2022	$826.00	$26,770 Land $4,170 Building $22,600	$385,140 Land $60,000 Building $325,140

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 28 Pinon Cir in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 22, 2023 · 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 Policies	3 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

Wildfire risk around 28 Pinon Cir 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Great Plains Communications Cable	1,000 / 250
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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