280 Capitol Reef St, Berthoud, CO 80513 Property Records

Larimer County property record for 280 Capitol Reef St, Berthoud, CO 80513

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,021 sqft · built 2020
Lot Size	0.215 acres (9,382 sqft)
Owner	Individual Name on File
Last Sale	$523,199 (Aug 2021)
Tax Bill	$8,005 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Nov 2023 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`94234-52-001`

Property Details

APN / Parcel Number

Primary APN	`94234-52-001`
Alternative APN	`R1666715`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,021 sqft Living Area
Basement Area	2,021 sqft
Finished Basement	1,629 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,382 sqft (0.215 acres)
Garage Type	Attached
Garage Area	651 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R1666715
Street Address	280 CAPITOL REEF ST
City	BERTHOUD
State	CO
Zip	80513-2830
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1, BLOCK 6, HERITAGE RIDGE FOURTH FILING, BER (20180011532)
Legal Quarter	SE
Legal Subdivision	HERITAGE RIDGE 4TH FILING
Legal Block	6
Legal Lot Number	1
Jurisdiction	LARIMER CO
Township / Civil Division	BERTHOUD
Census Block Group	4
Census Block	4027
Census Tract	2700

Owner

280 Capitol Reef St is owned and occupied by an individual who bought it in August 2021.

Source: Larimer County records, as of February 2, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	280 CAPITOL REEF ST, BERTHOUD, CO 80513-2830
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 30, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Nov 13, 2023	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCING CORP
Mar 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP
Aug 10, 2021	Special Warranty Deed, Transfer LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO
Apr 16, 2019	Grant Deed, Transfer FNTG-NCS COLORADO
Jan 9, 2019	Grant Deed, Transfer FNTG-NCS COLORADO
Jan 9, 2019	Loan Modification, Mortgage · Line of Credit REGIONS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2021 · Amount on File
Deed Sale	Aug 10, 2021 · Amount on File
Prior Sale	Aug 4, 2020 · Amount on File
Deed Document Number	20210075819
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Recording Date	Jul 30, 2026
Property Address	280 CAPITOL REEF ST, BERTHOUD, CO 80513-2830
Document Number	0000038255
Instrument Date	Jun 25, 2026
Instrument	202638255
Transaction Type	Mortgage
Record Updated	Aug 7, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 CAPITOL REEF ST, BERTHOUD, CO 80513-2830

Mortgage

Document Number	0000038255,
Date	Jul 30, 2026
Instrument	202638255

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	329 Months
Due	Dec 1, 2053

Interest

Rate	6.53%
Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	280 CAPITOL REEF ST, BERTHOUD, CO 80513-2830
Transaction Type	Mortgage
Record Updated	Nov 20, 2023
Title Company	FITCO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048592
Date	Nov 13, 2023
Instrument	20230048592

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	280 CAPITOL REEF ST, BERTHOUD, CO 80513-2830
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	280 CAPITOL REEF ST, BERTHOUD, CO 80513-2830

Mortgage

Document Number	0000018407
Date	Mar 23, 2022
Instrument	20220018407

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	341 Months
Due	Aug 1, 2050

August 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Aug 10, 2021
Property Address	280 CAPITOL REEF ST, BERTHOUD, CO 80513-2830
Document Number	0000075819
Instrument Date	Jul 30, 2020
Instrument	20210075819
Transaction Type	Transfer
Record Updated	Oct 11, 2022
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO

Transaction

Amount	Amount on Record
Tax	$52.32
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3760 E 15TH ST # ST202, 3760, LOVELAND, CO 80538-7010

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	280 CAPITAL REEF ST, BERTHOUD, CO 80513-2830

April 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LARIMER CO
Recording Date	Apr 16, 2019
Property Address	280 CAPITOL REEF ST, BERTHOUD, CO 80513-2830
Document Number	0000018777
Instrument Date	Apr 12, 2019
Instrument	18777
Transaction Type	Transfer
Record Updated	Apr 24, 2019
Title Company	FNTG-NCS COLORADO

Transaction

Amount	Amount on Record
Tax	$315.00
Amount Accuracy	Confirmed
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2540 KING ARTHUR BLVD #200 LEWISVILLE TX 750565833, 200, LEWISVILLE, TX 75056-5833

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LARIMER CO
Recording Date	Jan 9, 2019
Property Address	280 CAPITOL REEF ST, BERTHOUD, CO 80513-2830
Document Number	0000001443
Instrument Date	Jan 8, 2019
Instrument	1443
Transaction Type	Transfer
Record Updated	Jan 18, 2019
Title Company	FNTG-NCS COLORADO

Transaction

Amount	Amount on Record
Tax	$376.25
Amount Accuracy	Confirmed
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2540 KING ARTHUR BLVD #200 LEWISVILLE TX 750565833, 200, LEWISVILLE, TX 75056-5833

January 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LARIMER CO
Recording Date	Jan 9, 2019
Property Address	280 CAPITOL REEF ST, BERTHOUD, CO 80513-2830
Instrument Date	Jan 8, 2019
Instrument	1444
Transaction Type	Mortgage
Record Updated	Jan 24, 2019
Title Company	FNTG-NCS COLORADO

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2540 KING ARTHUR BLVD #200 LEWISVILLE TX 750565833, 200, LEWISVILLE, TX 75056-5833

Mortgage

Document Number	0000001444
Date	Jan 9, 2019
Instrument	1444

Lender

Name	REGIONS BK
Type	Bank
Address	1717 MCKINNEY AVE # 1200, DALLAS, TX 75202-1237

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 280 Capitol Reef St was $8,005.

Source: Larimer County assessment roll, as of August 25, 2025

Property Jurisdictions

Type	Name
State	Colorado
Municipality	Berthoud Town
County	Larimer County
Unified School District	Thompson School District R-2J (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,005.00	$44,606 Land $10,056 Building $34,550	$713,700 Land $160,900 Building $552,800
2023	$7,588.00 (+21.08%)	$47,704 (+27.56%) Land $10,780 Building $36,924	$712,000 (+32.32%) Land $160,900 Building $551,100
2022	$6,267.00	$37,398 Land $7,993 Building $29,405	$538,100 Land $115,000 Building $423,100

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 280 Capitol Reef St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

Source: FEMA National Flood Hazard Layer, effective September 30, 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 Policies	3 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2025 · other causes

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 280 Capitol Reef St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 98.8% of Colorado
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 BERTHOUD serves 14,211 people · EPA ID CO0135138
Water Source	Surface water
Last State Inspection	Dec 2021
Lead	10 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jul 2019
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 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Hilltop Broadband Fiber	1,000 / 1,000
Vistabeam Fixed Wireless	500 / 80
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink.

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