3494 Co Rd U, Wiggins, CO 80654 Property Records

Morgan County property record for 3494 Co Rd U, Wiggins, CO 80654

Property Summary

Property Type	Single Family Home
Details	5,695 sqft · built 2017
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,953 (2025)
Deeds & Mortgages	Aug 2017 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1045-270-00-008`

Property Details

APN / Parcel Number

Primary APN	`1045-270-00-008`
Alternative APN	`R020681`

Interior

Stories	1 Story
Building Area	5,695 sqft Total Area
1st Floor Area	1,994 sqft
Basement Area	1,994 sqft
Unfinished Basement	1,994 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	217,800 sqft (5 acres)
Garage Type	Attached
Garage Area	1,147 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	144 sqft
Patio Area	416 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3494 COUNTY ROAD U
City	WIGGINS
State	CO
Zip	80654-9504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 27 T 4 R 60 PARC NW14 R900889
Legal Range	60
Legal Township	04
Legal Section	27
Jurisdiction	MORGAN CO
Township / Civil Division	WIGGINS
Census Block Group	3
Census Block	3028
Census Tract	200

Owner

Source: Morgan County records, as of March 31, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3494 COUNTY ROAD U, WIGGINS, CO 80654-9504
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2017	Deed of Trust, Mortgage · ARM FMS BANK
Jun 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN CO
Property Address	3494 COUNTY ROAD U, WIGGINS, CO 80654-9504
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000907182
Date	Aug 7, 2017
Instrument	907182

Lender

Name	FMS BANK
Type	Bank
Address	FORT MORGAN, CO 80701

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Sep 1, 2022
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	6.75%
Index	1-Year LIBOR
Margin	3
Max Rate	10.7%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN CO
Property Address	3494 COUNTY ROAD U, WIGGINS, CO 80654-9504
Document Number	0000926041
Instrument Date	Jun 30, 2020
Transaction Type	Mortgage
Record Updated	Aug 17, 2020
Title Company	NCT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3494 COUNTY ROAD U WIGGINS CO 806549504, WIGGINS, CO 80654-9504

Mortgage

Document Number	0000926041
Date	Jul 6, 2020
Instrument	926041

Lender

Name	BANK OF CO
Type	Bank
Address	JOHNSTOWN, CO 80534

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 5, 2040

Tax Assessment & Valuation

Source: Morgan County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Morgan County
Unified School District	Wiggins School District RE-50J (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,953.00 (-9.61%)	$37,620 (-15.35%) Land $6,300 Building $31,320	$601,930 (-9.24%) Land $100,780 Building $501,150
2024	$3,267.00	$44,440 (-7.65%) Land $6,130 Building $38,310	$663,210 (-7.66%) Land $91,420 Building $571,790
2023	$3,267.00 (+29.08%)	$48,120 (+43.9%) Land $6,630 Building $41,490	$718,210 (+49.25%) Land $99,000 Building $619,210
2022	$2,531.00	$33,440 Land $5,210 Building $28,230	$481,210 Land $75,000 Building $406,210

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective June 8, 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
Nearby Flood Policies	1 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

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

Wildfire Risk	Low lower than 62% of the US · lower than 79% of Colorado
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wiggins Telephone Association Fiber	1,000 / 500
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Co Rd U

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