304 E Michigan Ave, Berthoud, CO 80513 Property Records

Larimer County property record for 304 E Michigan Ave, Berthoud, CO 80513

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,296 sqft · built 1999
Lot Size	0.172 acres (7,487 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Oct 2018)
Tax Bill	$3,014 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`94242-19-003`

Property Details

APN / Parcel Number

Primary APN	`94242-19-003`
Alternative APN	`R1504363`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,296 sqft Living Area
Gross Area	1,632 sqft
1st Floor Area	816 sqft
Basement Area	816 sqft
Finished Basement	480 sqft
Unfinished Basement	336 sqft
Interior Walls	Wallboard/Drywall
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,487 sqft (0.172 acres)
View / Lot	Alley
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Slab
Porch Area	352 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	R1504363
Street Address	304 E MICHIGAN AVE
City	BERTHOUD
State	CO
Zip	80513-1376
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3, BLK 10, MARYS FARM SUB, BER (AKA LOT 3, BLK 10, BERTHOUD HEIGHTS EAST SUB, BER)
Legal Range	69W
Legal Township	4N
Legal Section	24
Legal Subdivision	MARY`S FARM
Legal Block	10
Legal Lot Number	3
Jurisdiction	LARIMER CO
Township / Civil Division	BERTHOUD
Census Block Group	2
Census Block	2029
Census Tract	2700

Owner

Source: Larimer County records, as of September 9, 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	304 E MICHIGAN AVE, BERTHOUD, CO 80513-1376
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Deed of Trust, Mortgage · Line of Credit SECURITY SERVICE FEDERAL CREDIT UNION
Dec 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Sep 6, 2019	Deed of Trust, Mortgage · Conventional with PMI CALIBER HM LOANS
Oct 15, 2018	Warranty Deed, Transfer · FHA Mortgage LOAN SIMPLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 15, 2018 · Amount on Record
Deed Sale	Oct 15, 2018 · Amount on Record
Prior Sale	Dec 16, 2014 · Amount on Record
Deed Document Number	201862941
Prior Transfer Date	Sep 27, 2011
Prior Transfer Doc	0000058630
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Recording Date	Aug 31, 2026
Property Address	304 E MICHIGAN AVE, BERTHOUD, CO 80513-1376
Document Number	0000043997
Instrument Date	Aug 26, 2026
Instrument	202643997
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043997,
Date	Aug 31, 2026
Instrument	202643997

Lender

Name	SECURITY SERVICE FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Sep 1, 2066

Interest

Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	304 E MICHIGAN AVE, BERTHOUD, CO 80513-1376
Transaction Type	Mortgage
Record Updated	Oct 12, 2022
Title Company	ASCENDANT TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000108761
Date	Dec 23, 2020
Instrument	20200108761

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	304 E MICHIGAN AVE, BERTHOUD, CO 80513-1376
Document Number	0000055459
Instrument Date	Sep 6, 2019
Transaction Type	Mortgage
Record Updated	Sep 25, 2019
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	304 E MICHIGAN AVE BERTHOUD CO 805131376, BERTHOUD, CO 80513-1376

Mortgage

Document Number	0000055459
Date	Sep 16, 2019
Instrument	55459

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 15, 2049

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Oct 15, 2018
Property Address	304 E MICHIGAN AVE, BERTHOUD, CO 80513-1376
Document Number	0000062941
Instrument Date	Oct 12, 2018
Instrument	62941
Transaction Type	Transfer
Record Updated	Oct 25, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	304 E MICHIGAN AVE BERTHOUD CO 805131376, BERTHOUD, CO 80513-1376

Mortgage

Document Number	62942
Date	Oct 15, 2018
Instrument	62942

Lender

Name	LOAN SIMPLE INC
Type	Funding / Finance Company
Address	ENGLEWOOD, CO 80112

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 14, 2048

Tax Assessment & Valuation

Source: Larimer County assessment roll, as of February 9, 2026

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	$3,014.00 (+13.56%)	$29,787 (-7.8%) Land $2,731 Building $27,056	$476,600 (-1.16%) Land $43,700 Building $432,900
2023	$2,654.00 (+15.59%)	$32,308 (+34.9%) Land $2,928 Building $29,380	$482,200 (+39.93%) Land $43,700 Building $438,500
2022	$2,296.00	$23,950 Land $3,037 Building $20,913	$344,600 Land $43,700 Building $300,900

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
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	Low lower than 80% of the US · lower than 91% 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 377 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Vistabeam Fixed Wireless	500 / 80
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, CenturyLink.

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