Routt County property record for 331 3rd St, Oak Creek, CO 80467
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,655 sqft · built 1930 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $180,000 (Oct 2018) |
| Tax Bill | $2,718 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage May 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R8340085 |
| Primary APN | R8340085 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,655 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Cottage |
| Lot Area | 7,841 sqft (0.18 acres) |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Account Number | R8340085 |
|---|---|
| Street Address | 331 3RD ST |
| City | OAK CREEK |
| State | CO |
| Zip | 80467-5069 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RES - DIST |
| Legal Description | LOTS 36 & 37 & ADJ ALLEYS, BLK 2 PARKER ADD TO OC |
| Legal Range | 85 |
| Legal Township | 04 |
| Legal Section | 32 |
| Legal Subdivision | PARKER ADD |
| Legal Block | 2 |
| Legal Lot Number | 36 |
| Jurisdiction | ROUTT CO |
| Township / Civil Division | OAK CREEK |
| Census Block Group | 2 |
| Census Block | 2057 |
| Census Tract | 300 |
331 3rd St is owned by an individual who acquired it in July 2025.
Source: Routt County records, as of April 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 889 MAJESTIC CIR, STEAMBOAT SPRINGS, CO 80487-9337 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
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 |
|---|---|
| Apr 3, 2026 | Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT |
| May 9, 2022 | Deed of Trust, Mortgage · Line of Credit ALPINE BANK |
| Dec 31, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NORTHPOINTE BANK |
| Oct 1, 2018 | Warranty Deed, Transfer · Conventional Mortgage BAY EQUITY LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 1, 2018 · Amount on File |
| Deed Sale | Oct 1, 2018 · Amount on File |
| Prior Sale | Aug 25, 2014 · Amount on File |
| Deed Document Number | 2018793983 |
| Last Transfer Date | Jul 24, 2025 |
| Transfer Doc | 0000862111 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROUTT CO |
| Recording Date | Apr 3, 2026 |
| Property Address | 331 3RD ST, OAK CREEK, CO 80467-5069 |
| Document Number | 0000867722 |
| Instrument Date | Apr 1, 2026 |
| Instrument | 2026867722 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 331 3RD ST, OAK CREEK, CO 80467-5069 |
| Document Number | 0000867722, |
|---|---|
| Date | Apr 3, 2026 |
| Instrument | 2026867722 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 84 Months |
| Due | Apr 1, 2033 |
| Rate | 5.75% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROUTT CO |
| Property Address | 331 3RD ST, OAK CREEK, CO 80467-5069 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000837162 |
|---|---|
| Date | May 9, 2022 |
| Instrument | 837162 |
| Name | ALPINE BANK |
|---|---|
| Type | Bank |
| Address | RIFLE, CO 81650 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROUTT CO |
| Property Address | 331 3RD ST, OAK CREEK, CO 80467-5069 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 818875 |
|---|---|
| Date | Dec 31, 2020 |
| Instrument | 818875 |
| Name | NORTHPOINTE BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MI 49546 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROUTT CO |
| Recording Date | Oct 1, 2018 |
| Property Address | 331 3RD ST, OAK CREEK, CO 80467-5069 |
| Document Number | 793983 |
| Instrument Date | Sep 28, 2018 |
| Instrument | 793983 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2021 |
| Title Company | LAND TITLE GUARANTEE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 889 MAJESTIC CIR, STEAMBOAT SPRINGS, CO 80487-9337 |
| Document Number | 793984 |
|---|---|
| Date | Oct 1, 2018 |
| Instrument | 793984 |
| Name | BAY EQUITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | SAUSALITO, CA 94965 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2048 |
The 2025 property tax bill for 331 3rd St was $2,718, up 2.7% from the year before.
Source: Routt County assessment roll, as of March 27, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Routt County |
| Municipality | Oak Creek Town |
| Unified School District | South Routt School District RE-3 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,718.00 (+2.68%) | $34,530 (+11.96%) Land $5,990 Building $28,540 | $489,810 (+6.41%) Land $85,000 Building $404,810 |
| 2024 | $2,647.00 (+3.56%) | $30,840 (-) Land $3,740 Building $27,100 | $460,290 (-) Land $55,830 Building $404,460 |
| 2023 | $2,556.00 (+113.89%) | $30,840 (+139.81%) Land $3,740 Building $27,100 | $460,290 (+148.82%) Land $55,830 Building $404,460 |
| 2022 | $1,195.00 | $12,860 Land $2,570 Building $10,290 | $184,990 Land $37,000 Building $147,990 |
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 331 3rd St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective November 26, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 risk around 331 3rd St is moderate, ranking above 62% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 62% of the US · above 51% of Colorado |
|---|---|
| Wildfire Likelihood | 0.1% 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 | TOWN OF OAK CREEK serves 950 people · EPA ID CO0154566 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | Treatment failure resolved · Mar 2025 Turbidity resolved · Sep 2024 |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 44 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 81 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Luminate Broadband Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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