Summit County property record for 28 Spruce Cir, Dillon, CO 80435
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.25 ba · 3,653 sqft · built 1993 |
| Lot Size | 0.117 acres (5,077 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,950,000 (May 2024) |
| Tax Bill | $8,239 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Mar 2026 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2095-2730-05-004 |
| Primary APN | 2095-2730-05-004 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.25 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 3,653 sqft Living Area |
| Gross Area | 4,139 sqft |
| 1st Floor Area | 1,601 sqft |
| Basement Area | 1,573 sqft |
| Finished Basement | 1,573 sqft |
| Year Built | Built 1993 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Multi-Level |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,077 sqft (0.117 acres) |
| Terrain | Gentle Slope |
| Garage Type | Attached |
| Garage Area | 486 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Radiant |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 28 SPRUCE CIR |
|---|---|
| City | DILLON |
| State | CO |
| Zip | 80435-7813 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CPUD |
| Legal Description | LOT 3512 KEYSTONE WEST RANCH SUB PHASE 4 |
| Legal Subdivision | KEYSTONE WEST RANCH SUB |
| Legal Phase | 4 |
| Legal Lot Number | 3512 |
| Jurisdiction | SUMMIT CO |
| Township / Civil Division | BRECKENRIDGE |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 203 |
Source: Summit County records, as of September 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | PO BOX 2105, SILVERTHORNE, CO 80498-2105 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jul 24, 2026 | Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK |
| Mar 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| May 16, 2024 | Special Warranty Deed, Transfer · Conventional Mortgage ALPINE BANK |
| Jul 29, 2008 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 16, 2024 · Amount on Record |
| Deed Sale | May 16, 2024 · Amount on Record |
| Deed Document Number | 20241330561 |
| Prior Transfer Date | Jul 24, 2008 |
| Prior Transfer Doc | 0000893214 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMMIT CO |
| Recording Date | Jul 24, 2026 |
| Property Address | 28 SPRUCE CIR, DILLON, CO 80435-7813 |
| Document Number | 0001378698 |
| Instrument Date | Jul 17, 2026 |
| Instrument | 20261378698 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 28 SPRUCE CIR, DILLON, CO 80435-7813 |
| Document Number | 0001378698, |
|---|---|
| Date | Jul 24, 2026 |
| Instrument | 20261378698 |
| Name | JPMORGAN CHASE BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 24, 2056 |
| Rate | 6.47% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SUMMIT CO |
| Property Address | 28 SPRUCE CIR, DILLON, CO 80435-7813 |
| Transaction Type | Mortgage |
| Record Updated | Apr 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 28 SPRUCE CIR, DILLON, CO 80435-7813 |
| Document Number | 0001371988 |
|---|---|
| Date | Mar 30, 2026 |
| Instrument | 1371988 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | SUMMIT CO |
| Recording Date | May 16, 2024 |
| Property Address | 28 SPRUCE CIR, DILLON, CO 80435-7813 |
| Document Number | 0001330561 |
| Instrument Date | May 14, 2024 |
| Instrument | 1330561 |
| Transaction Type | Transfer |
| Record Updated | Mar 3, 2026 |
| Title Company | LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $195.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 28 SPRUCE CIR, KEYSTONE, CO 80435-7813 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | PO BOX 2105, SILVERTHORNE, CO 80498-2105 |
| Document Number | 0001330562 |
|---|---|
| Date | May 16, 2024 |
| Instrument | 1330562 |
| Name | ALPINE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2054 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SUMMIT CO |
| Recording Date | Jul 29, 2008 |
| Property Address | 28 SPRUCE CIR, DILLON, CO 80435-7813 |
| Document Number | 0000893214 |
| Instrument Date | Jul 24, 2008 |
| Instrument | 893214 |
| Transaction Type | Transfer |
| Record Updated | Mar 3, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 13036 FAIRFIELD OAKS RD, SAINT LOUIS, MO 63141-8551 |
Source: Summit County assessment roll, as of June 16, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Summit County |
| Municipality | Keystone Town |
| Unified School District | Summit School District RE-1 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,239.00 (+11.64%) | $157,053 (+10.74%) | $2,309,600 (+9.11%) Land $762,200 Building $1,547,400 |
| 2024 | $7,380.00 (-4.13%) | $141,819 (+2.67%) | $2,116,700 (+2.67%) Land $799,300 Building $1,317,400 |
| 2023 | $7,698.00 (+47.9%) | $138,134 (+58.24%) | $2,061,700 (+64.15%) Land $799,300 Building $1,262,400 |
| 2022 | $5,205.00 | $87,292 | $1,256,000 Land $403,200 Building $852,800 |
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.
Source: FEMA National Flood Hazard Layer, effective May 12, 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 91% of Colorado |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
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