281 Capitol Reef St, Berthoud, CO 80513 Property Records

Larimer County property record for 281 Capitol Reef St, Berthoud, CO 80513

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,929 sqft · built 2021
Lot Size	0.161 acres (7,040 sqft)
Owner	Individual Name on Record
Last Sale	$660,000 (Feb 2022)
Tax Bill	$6,763 (2025)
Deeds & Mortgages	Feb 2022 Sale Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`94234-58-003`

Property Details

APN / Parcel Number

Primary APN	`94234-58-003`
Alternative APN	`R1666754`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,929 sqft Living Area
Basement Area	1,929 sqft
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,040 sqft (0.161 acres)
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Balcony	Balcony
Balcony Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R1666754
Street Address	281 CAPITOL REEF ST
City	BERTHOUD
State	CO
Zip	80513-2830
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3, BLOCK 2, HERITAGE RIDGE FIFTH FILING, BER (20180011533)
Legal Quarter	SE
Legal Subdivision	HERITAGE RIDGE 5TH FILING
Legal Block	2
Legal Lot Number	3
Jurisdiction	LARIMER CO
Township / Civil Division	BERTHOUD
Census Block Group	4
Census Block	4027
Census Tract	2700

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	281 CAPITOL REEF ST, BERTHOUD, CO 80513-2830
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2022	Special Warranty Deed, Transfer GUARDIAN LAND TITLE, GUARDIAN TITLE
Sep 1, 2021	Special Warranty Deed, Transfer · VA Mortgage ACADEMY MORTGAGE CORP
Apr 16, 2019	Loan Modification, Mortgage · Line of Credit REGIONS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 2022 · Amount on Record
Deed Sale	Feb 7, 2022 · Amount on Record
Prior Sale	Sep 1, 2021 · Amount on Record
Deed Document Number	20220008363
Record Updated	Jun 8, 2026

February 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Feb 7, 2022
Property Address	281 CAPITOL REEF ST, BERTHOUD, CO 80513-2830
Document Number	0000008363
Instrument Date	Feb 4, 2022
Instrument	20220008363
Transaction Type	Transfer
Record Updated	May 1, 2023
Title Company	GUARDIAN LAND TITLE, GUARDIAN TITLE

Transaction

Amount	Amount Recorded
Tax	$66.00
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	281 CAPITOL REEF ST, BERTHOUD, CO 80513-2830

September 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Sep 1, 2021
Property Address	281 CAPITOL REEF ST, BERTHOUD, CO 80513-2830
Document Number	0000082787
Instrument Date	Aug 25, 2021
Instrument	20210082787
Transaction Type	Transfer
Record Updated	May 1, 2023
Title Company	LAND TITLE GUARANTEE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$50.33
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	281 CAPITOL REEF ST, BERTHOUD, CO 80513-2830

Mortgage

Document Number	0000082788
Date	Sep 1, 2021
Instrument	20210082788

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LARIMER CO
Recording Date	Apr 16, 2019
Property Address	281 CAPITOL REEF ST, BERTHOUD, CO 80513-2830
Instrument Date	Apr 12, 2019
Instrument	18778
Transaction Type	Mortgage
Record Updated	Apr 26, 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	0000018778
Date	Apr 16, 2019
Instrument	18778

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$6,763.00 (+3.98%)	$37,687 (-8.99%) Land $10,056 Building $27,631	$603,000 (-2.44%) Land $160,900 Building $442,100
2023	$6,504.00 (+27.18%)	$41,412 (+35.7%) Land $10,780 Building $30,632	$618,100 (+40.77%) Land $160,900 Building $457,200
2022	$5,114.00	$30,518 Land $7,993 Building $22,525	$439,100 Land $115,000 Building $324,100

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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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