Gilpin County property record for 320 Spring St, Central City, CO 80427
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 766 sqft · built 1890 |
| Lot Size | 0.11 acres (4,800 sqft) |
| Owner | Individual Name on File |
| Last Sale | $95,000 (Sep 2017) |
| Tax Bill | $500 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Sep 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 1835-123-01-062 |
| Primary APN | 1835-123-01-062 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 4 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 766 sqft Heated Area |
| Gross Area | 846 sqft |
| 1st Floor Area | 766 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Victorian |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 4,800 sqft (0.11 acres) |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Account Number | R002805 |
|---|---|
| Street Address | 320 SPRING ST |
| City | CENTRAL CITY |
| State | CO |
| Zip | 80427-5095 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S: 12 T: 3S R: 73W SUBD: CENTRAL CITY BLOCK: 018 LOT: 018 & IMPS |
| Legal Range | 73W |
| Legal Township | 03S |
| Legal Section | 12 |
| Legal Subdivision | CENTRAL CITY |
| Legal Block | 18 |
| Legal Lot Number | 18 |
| Jurisdiction | GILPIN CO |
| Township / Civil Division | CENTRAL CITY |
| Census Block Group | 3 |
| Census Block | 3062 |
| Census Tract | 13802 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Central City-Black Hawk Historic District listed 1966 · 13 contributing resources · National Historic Landmark (designated 1961) · NRIS 66000246 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
320 Spring St is owned by an individual who bought it in September 2017.
Source: Gilpin County records, as of April 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 621, CENTRAL CITY, CO 80427-0621 |
| 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.
| Date | Document |
|---|---|
| Oct 4, 2022 | Deed of Trust, Mortgage · Line of Credit BELLCO CU |
| Sep 11, 2017 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 11, 2017 · Amount on File |
| Deed Sale | Sep 11, 2017 · Amount on File |
| Prior Sale | Jul 12, 2010 · Amount on File |
| Deed Document Number | 2017159888 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GILPIN CO |
| Property Address | 320 SPRING ST, CENTRAL CITY, CO 80427-5095 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000173241 |
|---|---|
| Date | Oct 4, 2022 |
| Instrument | 173241 |
| Name | BELLCO CU |
|---|---|
| Type | Credit Union |
| Address | ENGLEWOOD, CO 80111 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 239 Months |
| Due | Sep 28, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GILPIN CO |
| Recording Date | Sep 11, 2017 |
| Property Address | 320 SPRING ST, CENTRAL CITY, CO 80427-5095 |
| Document Number | 0000159888 |
| Instrument Date | Sep 7, 2017 |
| Instrument | 159888 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2017 |
| Amount | Amount on Record |
|---|---|
| Tax | $9.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Sole Owner |
| Address | 1444 EATON ST LAKEWOOD CO 802142240, LAKEWOOD, CO 80214-2240 |
The 2025 property tax bill for 320 Spring St was $500, up 30.2% from the year before.
Source: Gilpin County assessment roll, as of April 2, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Gilpin County |
| Municipality | Central City |
| Unified School District | Gilpin County School District RE-1 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $500.00 (+30.21%) | $16,340 (+23.41%) Land $900 Building $15,440 | $261,480 (+32.25%) Land $14,400 Building $247,080 |
| 2024 | $384.00 (+1.32%) | $13,240 (-) Land $730 Building $12,510 | $197,710 (-) Land $10,953 Building $186,757 |
| 2023 | $379.00 (+10.82%) | $13,240 (+24.2%) Land $730 Building $12,510 | $197,710 (+28.87%) Land $10,953 Building $186,757 |
| 2022 | $342.00 | $10,660 Land $650 Building $10,010 | $153,420 Land $9,400 Building $144,020 |
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.
FEMA maps place 320 Spring St in Zone X, an area of minimal flood risk.
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 |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 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 risk around 320 Spring St is high, ranking above 76% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 76% of the US · above 77% of Colorado |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF CENTRAL CITY serves 3,750 people · EPA ID CO0124171 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2023 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 10 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.
Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Great Plains Communications Cable · Fiber in parts of the area | 1,000 / 250 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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