286 Umatilla Dr, Black Hawk, CO 80422 Property Records

Gilpin County property record for 286 Umatilla Dr, Black Hawk, CO 80422

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 851 sqft · built 2012
Lot Size	4.65 acres (202,815 sqft)
Owner	Individual Name on Record
Last Sale	$380,000 (Aug 2020)
Tax Bill	$2,660 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1711-044-00-073`

Property Details

APN / Parcel Number

Primary APN	`1711-044-00-073`
Alternative APN	`R004550`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	851 sqft Heated Area
Gross Area	896 sqft
1st Floor Area	851 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	202,815 sqft (4.65 acres)
Porch	Slab
Porch Area	45 sqft

Utilities, Heating & Cooling

Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	R004550
Street Address	286 UMATILLA DR
City	BLACK HAWK
State	CO
Zip	80422-4543
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S: 4 T: 2S R: 72W LOT: PCL B A TRACT OF LAND CREATED BY BLA 06-07 RECPT #131875 FORMERLY KNOWN AS PCL 2 A TRACT OF LAND CREAT
Legal Range	72W
Legal Township	02S
Legal Section	04
Legal Subdivision	BOUNDARY LINE ADJUSTMENT EXEMPTION PLAT
Jurisdiction	GILPIN CO
Township / Civil Division	CENTRAL CITY
Census Block Group	1
Census Block	1031
Census Tract	13802

Owner

Source: Gilpin County records, as of April 2, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 848, NEDERLAND, CO 80466-0848
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2020	Special Warranty Deed, Transfer · Conventional Mortgage COMMERCE HOME MORTGAGE LLC
Jun 23, 2020	Warranty Deed, Transfer · Conventional with PMI AMERICAN FINANCING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2020 · Amount on Record
Deed Sale	Aug 21, 2020 · Amount on Record
Prior Sale	Jun 23, 2020 · Amount on Record
Deed Document Number	2020166929
Prior Transfer Date	Mar 27, 2012
Prior Transfer Doc	0000146167
Record Updated	Oct 29, 2026

August 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	GILPIN CO
Recording Date	Aug 21, 2020
Property Address	286 UMATILLA DR, BLACK HAWK, CO 80422-4543
Document Number	0000166929
Instrument Date	Aug 17, 2020
Instrument	166929
Transaction Type	Transfer
Record Updated	Apr 1, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	286 UMATILLA DR, 286, BLACK HAWK, CO 80422-4543

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	173 ALPINE VIS, NEDERLAND, CO 80466

Mortgage

Document Number	0000166931
Date	Aug 21, 2020
Instrument	166931

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GILPIN CO
Recording Date	Jun 23, 2020
Property Address	286 UMATILLA DR, BLACK HAWK, CO 80422-4543
Document Number	0000166352
Instrument Date	Jun 17, 2020
Instrument	166352
Transaction Type	Transfer
Record Updated	Jul 21, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$20.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	286 UMATILLA DR BLACK HAWK CO 804224543, BLACK HAWK, CO 80422-4543

Mortgage

Document Number	166353
Date	Jun 23, 2020
Instrument	166353

Lender

Name	AMERICAN FINANCING
Type	Funding / Finance Company
Address	AURORA, CO 80014

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 22, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Colorado
County	Gilpin County
Unified School District	Boulder Valley School District RE-2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,660.00 (+11.3%)	$36,080 (+0.78%) Land $12,510 Building $23,570	$577,380 (+8.05%) Land $200,230 Building $377,150
2024	$2,390.00 (+0.76%)	$35,800 (-) Land $12,730 Building $23,070	$534,380 (-) Land $189,986 Building $344,394
2023	$2,372.00 (+37.19%)	$35,800 (+51.18%) Land $12,730 Building $23,070	$534,380 (+56.89%) Land $189,986 Building $344,394
2022	$1,729.00	$23,680 Land $5,990 Building $17,690	$340,610 Land $86,140 Building $254,470

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 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	1 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

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

Wildfire Risk	High above 84% of the US · above 88% of Colorado
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation

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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Visionary Broadband Fiber · Fixed Wireless in parts of the area	300 / 300
Nedernet Fixed Wireless	100 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

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