320 Capitol Reef St, Berthoud, CO 80513 Property Records

Larimer County property record for 320 Capitol Reef St, Berthoud, CO 80513

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,962 sqft · built 2019
Lot Size	0.166 acres (7,260 sqft)
Owner	Individual Name on File
Last Sale	$429,000 (Mar 2020)
Tax Bill	$7,146 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jan 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`94234-53-002`

Property Details

APN / Parcel Number

Primary APN	`94234-53-002`
Alternative APN	`R1666719`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,962 sqft Living Area
Basement Area	1,962 sqft
Interior Walls	Wallboard/Drywall
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 2019
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,260 sqft (0.166 acres)
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	376 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R1666719
Street Address	320 CAPITOL REEF ST
City	BERTHOUD
State	CO
Zip	80513-2831
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2, BLOCK 7, HERITAGE RIDGE FOURTH FILING, BER (20180011532)
Legal Quarter	SE
Legal Subdivision	HERITAGE RIDGE 4TH FILING
Legal Block	7
Legal Lot Number	2
Jurisdiction	LARIMER CO
Township / Civil Division	BERTHOUD
Census Block Group	4
Census Block	4027
Census Tract	2700

Owner

320 Capitol Reef St is owned and occupied by an individual who acquired it in July 2025.

Source: Larimer County records, as of February 2, 2026

Owner of Record	Individual Name on File
Mailing Address	320 CAPITOL REEF ST, BERTHOUD, CO 80513-2831
Occupancy	Owner Occupied
Owner Type	Individual

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
Feb 17, 2026	Deed of Trust, Mortgage · VA Mortgage ADAMS BANK & TRUST
Jan 5, 2021	Deed of Trust, Mortgage · VA Mortgage ADAMS BANK & TRUST
Mar 6, 2020	Special Warranty Deed, Transfer · VA Mortgage ACADEMY MORTGAGE CORP
Jan 9, 2019	Loan Modification, Mortgage · Line of Credit REGIONS BK
Jan 9, 2019	Grant Deed, Transfer FNTG-NCS COLORADO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2020 · Amount on File
Deed Sale	Mar 6, 2020 · Amount on File
Prior Sale	Mar 6, 2020 · Amount on File
Deed Document Number	0000015798
Last Transfer Date	Jul 24, 2025
Transfer Doc	0000033621
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	320 CAPITOL REEF ST, BERTHOUD, CO 80513-2831
Transaction Type	Mortgage
Record Updated	Feb 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006862
Date	Feb 17, 2026
Instrument	20260006862

Lender

Name	ADAMS BANK & TRUST
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	320 CAPITOL REEF ST, BERTHOUD, CO 80513-2831
Transaction Type	Mortgage
Record Updated	Mar 28, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001239
Date	Jan 5, 2021
Instrument	20210001239

Lender

Name	ADAMS BANK & TRUST
Type	Bank
Address	NORTH PLATTE, NE 69101

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2051

March 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Mar 6, 2020
Property Address	320 CAPITOL REEF ST, BERTHOUD, CO 80513-2831
Document Number	0000015798
Instrument Date	Mar 4, 2020
Instrument	20200015798
Transaction Type	Transfer
Record Updated	Mar 28, 2022
Title Company	LAND TITLE GUARANTEE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$42.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 CAPITAL REEF ST, BERTHOUD, CO 80513-2831

Mortgage

Document Number	0000015799
Date	Mar 6, 2020
Instrument	20200015799

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

January 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LARIMER CO
Recording Date	Jan 9, 2019
Property Address	320 CAPITOL REEF ST, BERTHOUD, CO 80513-2831
Instrument Date	Jan 8, 2019
Instrument	1444
Transaction Type	Mortgage
Record Updated	Jan 24, 2019
Title Company	FNTG-NCS COLORADO

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2540 KING ARTHUR BLVD #200 LEWISVILLE TX 750565833, 200, LEWISVILLE, TX 75056-5833

Mortgage

Document Number	0000001444
Date	Jan 9, 2019
Instrument	1444

Lender

Name	REGIONS BK
Type	Bank
Address	1717 MCKINNEY AVE # 1200, DALLAS, TX 75202-1237

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LARIMER CO
Recording Date	Jan 9, 2019
Property Address	320 CAPITOL REEF ST, BERTHOUD, CO 80513-2831
Document Number	0000001443
Instrument Date	Jan 8, 2019
Instrument	1443
Transaction Type	Transfer
Record Updated	Jan 18, 2019
Title Company	FNTG-NCS COLORADO

Transaction

Amount	Amount on Record
Tax	$376.25
Amount Accuracy	Confirmed
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2540 KING ARTHUR BLVD #200 LEWISVILLE TX 750565833, 200, LEWISVILLE, TX 75056-5833

Tax Assessment & Valuation

The 2025 property tax bill for 320 Capitol Reef St was $7,146.

Source: Larimer County assessment roll, as of August 25, 2025

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	$7,146.00	$39,819 Land $10,056 Building $29,763	$637,100 Land $160,900 Building $476,200
2023	$6,202.00 (+22.98%)	$39,664 (+31.8%) Land $10,780 Building $28,884	$592,000 (+36.72%) Land $160,900 Building $431,100
2022	$5,043.00	$30,094 Land $7,993 Building $22,101	$433,000 Land $115,000 Building $318,000

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 320 Capitol Reef St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.

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	3 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2025 · other causes

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 320 Capitol Reef St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 98.1% of Colorado
Wildfire Likelihood	0.02% 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 513 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Hilltop Broadband Fiber	1,000 / 1,000
Vistabeam Fixed Wireless	500 / 80
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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