3130 Gray St, Wheat Ridge (Denver), CO 80214 Property Records

Jefferson County property record for 3130 Gray St, Wheat Ridge, CO 80214

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,360 sqft · built 1953
Lot Size	0.192 acres (8,364 sqft)
Owner	Trust Name on File
Last Sale	$606,000 (Jan 2021)
Tax Bill	$4,135 (2025)
Deeds & Mortgages	Nov 2022 Transfer Jan 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`39-254-07-015`

Property Details

APN / Parcel Number

Primary APN	`39-254-07-015`
Alternative APNs	`300021087` `21087`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,360 sqft Living Area
1st Floor Area	1,360 sqft

Exterior

Year Built	Built 1953
Effective Year Built	Effective 2017
Architectural Style	Ranch
Construction Type	Brick
Lot Area	8,364 sqft (0.192 acres)
Garage Type	Detached
Garage Area	660 sqft

Utilities, Heating & Cooling

Cooling System	Evaporative
Heating System	Hot Water

Location & Zoning

Account Number	300021087
Street Address	3130 GRAY ST
City	WHEAT RIDGE
State	CO
Zip	80214-8128
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	SECTION 25 TOWNSHIP 03 RANGE 69 QTR SE SUBDIVISIONCD 567600 SUBDIVISIONNAME OLINGER GARDENS 2ND FLG BLOCK 013 LOT 0002 SIZE: 8354 TRACT 00D VALUE: .192
Legal Range	69W
Legal Township	03S
Legal Section	25
Legal Subdivision	OLINGER GARDENS 2ND FLG
Legal Tract	D
Legal Block	13
Legal Lot Number	2
Jurisdiction	JEFFERSON CO
Township / Civil Division	NORTHEAST JEFFERSON
Census Block Group	2
Census Block	2010
Census Tract	10702

Owner

3130 Gray St, a duplex, is held in a trust since January 2021.

Source: Jefferson County records, as of April 13, 2026

Owner of Record	Trust Name on File
Mailing Address	3122 MOUNTAIN SHADOWS DR, WHEAT RIDGE, CO 80215-6517
Owner Type	Company
Vesting	Trust, Family 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
Nov 21, 2022	Intrafamily Transfer, Transfer
Jan 13, 2021	Special Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Mar 8, 2017	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 13, 2021 · Amount on File
Deed Sale	Jan 13, 2021 · Amount on File
Prior Sale	Mar 8, 2017 · Amount on File
Deed Document Number	20216552
Prior Transfer Date	Sep 8, 1998
Prior Transfer Doc	000F694211
Record Updated	Oct 29, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JEFFERSON CO
Recording Date	Nov 21, 2022
Property Address	3130 GRAY ST, WHEAT RIDGE, CO 80214-8128
Document Number	0000103363
Instrument Date	Nov 17, 2022
Instrument	2022103363
Transaction Type	Transfer
Record Updated	Dec 1, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	3122 MOUNTAIN SHADOWS DR, WHEAT RIDGE, CO 80215-6517

January 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	JEFFERSON CO
Recording Date	Jan 13, 2021
Property Address	3130 GRAY ST, WHEAT RIDGE, CO 80214-8128
Document Number	0000006552
Instrument Date	Jan 13, 2021
Instrument	2021006552
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$60.60
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	3122 MOUNTAIN SHADOWS DR, WHEAT RIDGE, CO 80215-6517
Investor	Possibly a Property Investor

Mortgage

Document Number	0000006553
Date	Jan 13, 2021
Instrument	2021006553

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JEFFERSON CO
Recording Date	Mar 8, 2017
Property Address	3130 GRAY ST, WHEAT RIDGE, CO 80214-8128
Document Number	0000025537
Instrument Date	Mar 7, 2017
Instrument	2017025537
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	LAND TRUST GUARANTEE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$42.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3130 GRAY ST, WHEAT RIDGE, CO 80214-8128

Mortgage

Document Number	0000025538
Date	Mar 8, 2017
Instrument	2017025538

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 3130 Gray St was $4,135.

Source: Jefferson County assessment roll, as of April 13, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Jefferson County
Municipality	Wheat Ridge City
Unified School District	Jefferson County School District R-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,135.00	$44,036 Land $20,802 Building $23,234	$704,577 Land $332,831 Building $371,746
2023	$3,921.00	$44,848 Land $21,269 Building $23,579	$724,375 Land $317,455 Building $406,920

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 3130 Gray St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1981.

Source: FEMA National Flood Hazard Layer, effective October 5, 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1981)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 1981 · rainfall accumulation

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

The area around 3130 Gray St 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	WHEAT RIDGE WATER DISTRICT serves 20,000 people · EPA ID CO0130842
Water Source	Purchased surface water from DENVER WATER BOARD
Last State Inspection	Feb 2026

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	No certified operator Mar 2017
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 594 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
Xfinity Cable	2,000 / 250

May also be available: Aerux Broadband, Starry, T-Mobile, Verizon.

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