Adams County property record for 344 Spruce St, Bennett, CO 80102
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,268 sqft · built 2020 |
| Lot Size | 0.129 acres (5,625 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $406,000 (Sep 2024) |
| Tax Bill | $4,258 (2025) |
| Deeds & Mortgages | Sep 2024 Sale & Mortgage Mar 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1815-34-2-04-008 |
| Primary APN | 1815-34-2-04-008 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,268 sqft Living Area |
| Gross Area | 1,704 sqft |
| 1st Floor Area | 1,268 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Ranch |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 5,625 sqft (0.129 acres) |
| Garage Type | Attached |
| Garage Area | 395 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Covered Slab |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | R0192798 |
|---|---|
| Street Address | 344 SPRUCE ST |
| City | BENNETT |
| State | CO |
| Zip | 80102-8686 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BENNETT CROSSING FLG NO 2 BLK 9 LOT 8 |
| Legal Range | 63W |
| Legal Township | 03S |
| Legal Section | 34 |
| Legal Quarter | 2 |
| Legal Subdivision | BENNETT CROSSING |
| Legal Block | 9 |
| Legal Lot Number | 8 |
| Jurisdiction | ADAMS CO |
| Township / Civil Division | EAST ADAMS |
| Census Block Group | 2 |
| Census Block | 2050 |
| Census Tract | 8401 |
Source: Adams County records, as of August 18, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 344 SPRUCE ST, BENNETT, CO 80102-8686 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 13, 2024 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Mar 9, 2021 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage EVERETT FINANCIAL INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 13, 2024 · Amount on Record |
| Deed Sale | Sep 13, 2024 · Amount on Record |
| Prior Sale | Mar 9, 2021 · Amount on Record |
| Deed Document Number | 202450422 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ADAMS CO |
| Recording Date | Sep 13, 2024 |
| Property Address | 344 SPRUCE ST, BENNETT, CO 80102-8686 |
| Document Number | 0000050422 |
| Instrument Date | Sep 10, 2024 |
| Instrument | 2024000050422 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2026 |
| Title Company | ROCKY MOUNTAIN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $40.60 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 344 SPRUCE ST, BENNETT, CO 80102-8686 |
| Document Number | 0000050423 |
|---|---|
| Date | Sep 13, 2024 |
| Instrument | 2024000050423 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2054 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ADAMS CO |
| Recording Date | Mar 9, 2021 |
| Property Address | 344 SPRUCE ST, BENNETT, CO 80102-8686 |
| Document Number | 0000028323 |
| Instrument Date | Feb 16, 2021 |
| Instrument | 2021000028323 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 10, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $36.99 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 344 SPRUCE ST, BENNETT, CO 80102-8686 |
| Investor | Possibly a Property Investor |
| Document Number | 0000028324 |
|---|---|
| Date | Mar 9, 2021 |
| Instrument | 2021000028324 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Index | 3-Month LIBOR |
|---|
| Document Number | 0000028325 |
|---|---|
| Date | Mar 9, 2021 |
| Instrument | 2021000028325 |
| Name | COLORADO HOUSING & FINANCE AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | DENVER, CO 80202 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
Source: Adams County assessment roll, as of January 21, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Adams County |
| Municipality | Bennett Town |
| Unified School District | Bennett School District 29-J (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,258.00 (-7.74%) | $29,030 (-6.72%) Land $6,320 Building $22,710 | $427,000 (-7.17%) Land $93,000 Building $334,000 |
| 2023 | $4,615.00 (+9.62%) | $31,120 (+10.71%) Land $5,410 Building $25,710 | $460,000 (+13.75%) Land $80,000 Building $380,000 |
| 2022 | $4,210.00 | $28,110 Land $8,340 Building $19,770 | $404,389 Land $120,000 Building $284,389 |
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.
Source: FEMA National Flood Hazard Layer, effective October 2, 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 8 (10% premium discount) |
| Nearby Flood Policies | 2 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 47% of the US · lower than 69% of Colorado |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
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 BENNETT serves 4,400 people · EPA ID CO0101020 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2024 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 3 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 316 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Fiber · Cable in parts of the area | 2,000 / 2,000 |
| Eastern Slope Rural Telephone Association Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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