3045 Waterfront Dr, Monument, CO 80132 Property Records

El Paso County property record for 3045 Waterfront Dr, Monument, CO 80132

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.75 ba · 3,682 sqft · built 2016
Lot Size	0.227 acres (9,871 sqft)
Owner	2 Trust Names on File
Last Sale	$763,800 (Aug 2020)
Tax Bill	$6,447 (2025)
Deeds & Mortgages	Sep 2021 Sale Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`71273-02-004`

Property Details

APN / Parcel Number

Primary APN	`71273-02-004`
Alternative APN	`R7127302004`

Interior

Bedrooms	3 Beds
Full Baths	4.75 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	3,682 sqft Living Area
Gross Area	4,588 sqft
1st Floor Area	1,856 sqft
Basement Area	1,856 sqft
Finished Basement	1,826 sqft
Unfinished Basement	30 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace
Elevator	Elevator

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,871 sqft (0.227 acres)
View / Lot	Interior
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Slab
Porch Area	74 sqft
Deck Area	Deck Area
Patio Area	576 sqft
Balcony Area	162 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	R7127302004
Street Address	3045 WATERFRONT DR
City	MONUMENT
State	CO
Zip	80132-7979
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	LOT 25 FOREST LAKES FIL NO 3
Legal Subdivision	FOREST LAKES FIL NO 3
Legal Lot Number	25
Jurisdiction	EL PASO CO
Township / Civil Division	MONUMENT
Census Block Group	2
Census Block	2057
Census Tract	3712

Owner

3045 Waterfront Dr is owner-occupied and held in a trust since August 2020.

Source: El Paso County records, as of June 1, 2026

Owner of Record	2 Trust Names on File
Mailing Address	3045 WATERFRONT DR, MONUMENT, CO 80132-7979
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

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
Sep 24, 2021	Special Warranty Deed, Transfer
Aug 17, 2020	Warranty Deed, Transfer · Conventional Mortgage ENT CU
Feb 17, 2017	Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2020 · Amount on File
Deed Sale	Aug 17, 2020 · Amount on File
Prior Sale	Feb 17, 2017 · Amount on File
Deed Document Number	2020123715
Record Updated	Sep 20, 2026

September 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	EL PASO CO
Recording Date	Sep 24, 2021
Property Address	3045 WATERFRONT DR, MONUMENT, CO 80132-7979
Document Number	0000179031
Instrument Date	Sep 24, 2021
Instrument	221179031
Transaction Type	Transfer
Record Updated	Feb 27, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	3045 WATERFRONT DR, MONUMENT, CO 80132-7979

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EL PASO CO
Recording Date	Aug 17, 2020
Property Address	3045 WATERFRONT DR, MONUMENT, CO 80132-7979
Document Number	0000123715
Instrument Date	Aug 14, 2020
Instrument	220123715
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	EMPIRE TITLE CO SPRINGS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$76.38
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3045 WATERFRONT DR, MONUMENT, CO 80132-7979

Mortgage

Document Number	0000123716
Date	Aug 17, 2020
Instrument	220123716

Lender

Name	ENT CU
Type	Credit Union

Agreement

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

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EL PASO CO
Recording Date	Feb 17, 2017
Property Address	3045 WATERFRONT DR, MONUMENT, CO 80132-7979
Document Number	0000019681
Instrument Date	Feb 15, 2017
Instrument	217019681
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	CAPSTONE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$62.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3045 WATERFRONT DR, MONUMENT, CO 80132-7979

Mortgage

Document Number	0000019682
Date	Feb 17, 2017
Instrument	217019682

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

Mortgage

Document Number	0000019683
Date	Feb 17, 2017
Instrument	217019683

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 23, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3045 Waterfront Dr was $6,447, up 6.4% from the year before.

Source: El Paso County assessment roll, as of June 1, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	El Paso County
Unified School District	Lewis-Palmer School District 38 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$67,680 (-)	$959,995 (-)
2025	$6,447.00 (+6.4%)	$67,680 (+9.62%) Land $15,420 Building $52,260	$959,995 Land $218,750 Building $741,245
2024	$6,059.00 (+3.89%)	$61,740 (-) Land $15,080 Building $46,660
2023	$5,832.00 (+12.37%)	$61,740 (+37.14%) Land $15,080 Building $46,660	$921,503 (+42.27%) Land $225,100 Building $696,403
2022	$5,190.00	$45,020 Land $11,590 Building $33,430	$647,694 Land $166,700 Building $480,994

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 3045 Waterfront Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective October 8, 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	3 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

Wildfire risk around 3045 Waterfront Dr is high, ranking above 84% of the US, with a 0.6% annual chance of 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	0.6% annual chance
Exposure	Direct burnable vegetation

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	FOREST LAKES MD private · serves 1,049 people · EPA ID CO0121360
Water Source	Surface water
Last State Inspection	May 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Fiber	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Force Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Waterfront Dr

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