2828 E 131st Cir, Thornton, CO 80241 Property Records

Adams County property record for 2828 E 131st Cir, Thornton, CO 80241

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,280 sqft · built 1980
Lot Size	0.292 acres (12,730 sqft)
Owner	2 Trust Names on File
Last Sale	$570,000 (Sep 2024)
Tax Bill	$1,378 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Dec 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1573-25-3-07-025`

Property Details

APN / Parcel Number

Primary APN	`1573-25-3-07-025`
Alternative APNs	`0157325307025` `R0016213`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,280 sqft Living Area
Gross Area	3,215 sqft
1st Floor Area	1,590 sqft
2nd Floor Area	690 sqft
Basement Area	830 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Split Level
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	12,730 sqft (0.292 acres)
Lot Dimensions	134 ft deep x 95 ft wide
View / Lot	Open Space
Garage Type	Attached
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	R0016213
Street Address	2828 E 131ST CIR
City	THORNTON
State	CO
Zip	80241-2004
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUB:COTTONWOOD LAKES PUD NO 3 BLK:3 LOT:29
Legal Range	68W
Legal Township	01S
Legal Section	25
Legal Quarter	3
Legal Subdivision	COTTONWOOD LAKES PUD NO 3
Legal Block	3
Legal Lot Number	29
Jurisdiction	ADAMS CO
Township / Civil Division	WEST ADAMS
Census Block Group	2
Census Block	2001
Census Tract	8545

Owner

2828 E 131st Cir is owner-occupied and held in a trust since October 2024.

Source: Adams County records, as of January 21, 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	2 Trust Names on File
Mailing Address	2828 E 131ST CIR, THORNTON, CO 80241-2004
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME MORTGAGE ALLIANCE LLC
Dec 16, 2022	Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE INC
Feb 9, 2022	Warranty Deed, Transfer OS NATIONAL LLC
Feb 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Feb 14, 2019	Deed of Trust, Mortgage · Line of Credit BLUE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2024 · Amount on File
Deed Sale	Sep 16, 2024 · Amount on File
Prior Sale	Dec 16, 2022 · Amount on File
Deed Document Number	202450651
Last Transfer Date	Oct 21, 2024
Transfer Doc	0000058029
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS CO
Property Address	2828 E 131ST CIR, THORNTON, CO 80241-2004
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	ASCENDANT TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000040998
Date	Apr 2, 2021
Instrument	2021000040998

Lender

Name	HOME MORTGAGE ALLIANCE LLC
Type	Mortgage Company
Address	DENVER, CO 80237

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2036

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAMS CO
Recording Date	Dec 16, 2022
Property Address	2828 E 131ST CIR, THORNTON, CO 80241-2004
Document Number	0000097466
Instrument Date	Dec 14, 2022
Instrument	2022000097466
Transaction Type	Transfer
Record Updated	Dec 28, 2022
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$53.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, RD1600, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2828 E 131ST CIR, THORNTON, CO 80241-2004
Investor	Possibly a Property Investor

Mortgage

Document Number	0000097467
Date	Dec 16, 2022
Instrument	2022000097467

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAMS CO
Recording Date	Feb 9, 2022
Property Address	2828 E 131ST CIR, THORNTON, CO 80241-2004
Document Number	0000012700
Instrument Date	Feb 8, 2022
Instrument	2022000012700
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount on Record
Tax	$57.08
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2828 E 131ST CIR, THORNTON, CO 80241-2004

Transferred To (Grantee/Buyer)

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

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS CO
Property Address	2828 E 131ST CIR, THORNTON, CO 80241-2004
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016678
Date	Feb 23, 2017
Instrument	2017000016678

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2032

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS CO
Property Address	2828 E 131ST CIR, THORNTON, CO 80241-2004
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010989
Date	Feb 14, 2019
Instrument	2019000010989

Lender

Name	BLUE FCU
Type	Credit Union
Address	CHEYENNE, WY 82003

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Feb 5, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 2828 E 131st Cir was $1,378, down 62.1% from the year before.

Source: Adams County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Adams County
Municipality	Thornton City
Unified School District	Adams 12 Five Star Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,378.00 (-62.08%)	$35,360 Land $7,140 Building $28,220	$520,000 Land $105,000 Building $415,000
2024	$3,634.00 (-14.23%)
2023	$4,237.00 (+17.11%)	$38,840 (+18.23%) Land $6,770 Building $32,070	$574,000 (+21.4%) Land $100,000 Building $474,000
2022	$3,618.00	$32,850 Land $12,920 Building $19,930	$472,816 Land $186,000 Building $286,816

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 2828 E 131st Cir in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 2, 2026

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.

Wildfire

The area around 2828 E 131st Cir has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	CITY OF THORNTON serves 226,465 people · EPA ID CO0101150
Water Source	Surface water
Last State Inspection	Jul 2024
Lead	2 ppb (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	3 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 702 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Rise Broadband Fixed Wireless	500 / 100
CenturyLink DSL	140 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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