3520 Smuggler Cir, Boulder, CO 80305 Property Records

Boulder County property record for 3520 Smuggler Cir, Boulder, CO 80305

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,152 sqft · built 1978
Lot Size	0.042 acres (1,826 sqft)
Owner	2 Individual Names on File
Last Sale	$400,000 (Oct 2022)
Tax Bill	$4,649 (2025)
Deeds & Mortgages	Oct 2022 Sale Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1577-17-2-28-027`

Property Details

APN / Parcel Number

Primary APN	`1577-17-2-28-027`
Alternative APNs	`R0071016` `0071016`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,152 sqft Living Area
Gross Area	1,728 sqft
1st Floor Area	576 sqft
Upper Floors Area	576 sqft
Basement Area	576 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Townhouse
Exterior Material	Wood Shake/Shingle
Construction Type	Frame
Roof Material	Asphalt
Lot Area	1,826 sqft (0.042 acres)
Garage Type	Detached
Garage Area	231 sqft
Parking Spaces	1 Parking Space
Deck Area	80 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	R0071016
Street Address	3520 SMUGGLER CIR
City	BOULDER
State	CO
Zip	80305-7220
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 77 & 77A SHANAHAN RIDGE 5
Legal Range	70
Legal Township	1S
Legal Section	17
Legal Subdivision	SHANAHAN RIDGE 5 - BO
Legal Block	3
Legal Lot Number	77
Jurisdiction	BOULDER CO
Township / Civil Division	BOULDER
Census Block Group	3
Census Block	3010
Census Tract	12510

Owner

3520 Smuggler Cir is owned by two individuals who bought it in October 2022.

Source: Boulder County records, as of October 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	284 HOOVER AVE, LOUISVILLE, CO 80027-2139
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2022	Warranty Deed, Transfer LAND TITLE GUARANTEE
Aug 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Mar 9, 2021	Deed of Trust, Mortgage · Line of Credit CURTIS L KENNEDY
Nov 16, 2018	Grant Deed, Transfer · Conventional with PMI ELEVATIONS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2022 · Amount on File
Deed Sale	Oct 5, 2022 · Amount on File
Prior Sale	Nov 16, 2018 · Amount on File
Deed Document Number	20223984110
Prior Transfer Date	Oct 4, 2022
Prior Transfer Doc	0003984111
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOULDER CO
Recording Date	Oct 5, 2022
Property Address	3520 SMUGGLER CIR, BOULDER, CO 80305-7220
Document Number	0003984110
Instrument Date	Sep 29, 2022
Instrument	3984110
Transaction Type	Transfer
Record Updated	Oct 12, 2022
Title Company	LAND TITLE GUARANTEE

Transaction

Amount	Amount on Record
Tax	$40.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3540 SMUGGLER CIR, 3540, BOULDER, CO 80305-7220

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	204 HOOVER AVE, LOUISVILLE, CO 80027-2152

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOULDER CO
Property Address	3520 SMUGGLER CIR, BOULDER, CO 80305-7220
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003804159
Date	Aug 4, 2020
Instrument	3804159

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOULDER CO
Property Address	3520 SMUGGLER CIR, BOULDER, CO 80305-7220
Transaction Type	Mortgage
Record Updated	Mar 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003865844
Date	Mar 9, 2021
Instrument	3865844

Lender

Name	CURTIS L KENNEDY
Type	Private Party
Address	DENVER, CO 80237

Agreement

Type	Line of Credit
Amount	Amount on Record

November 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	BOULDER CO
Recording Date	Nov 16, 2018
Property Address	3520 SMUGGLER CIR, BOULDER, CO 80305-7220
Document Number	0003686293
Instrument Date	Nov 15, 2018
Instrument	3686293
Transaction Type	Transfer
Record Updated	Nov 29, 2018
Title Company	LAND TITLE GUARANTEE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$39.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3540 SMUGGLER CIR BOULDER CO 803057220, BOULDER, CO 80305-7220

Mortgage

Document Number	3686294
Date	Nov 16, 2018
Instrument	3686294

Lender

Name	ELEVATIONS CU
Address	BROOMFIELD, CO 80021

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 15, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3520 Smuggler Cir was $4,649.

Source: Boulder County assessment roll, as of September 18, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Boulder County
Municipality	Boulder City
Unified School District	Boulder Valley School District RE-2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$48,294 (-0.96%) Land $26,078 Building $22,216	$780,200 (-) Land $453,500 Building $326,700
2025	$4,649.00	$48,763 Land $28,344 Building $20,419	$780,200 Land $453,500 Building $326,700
2023	$4,241.00 (+23.03%)	$52,803 (+42.25%) Land $32,549 Building $20,254	$788,100 (+47.56%) Land $485,800 Building $302,300
2022	$3,447.00	$37,120 Land $25,103 Building $12,017	$534,100 Land $361,200 Building $172,900

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 3520 Smuggler Cir in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective October 14, 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
Flood Insurance Cost	Premium on File median of 17 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	5 (1978–2013)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Sep 2013 · Severe Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Flooding, Landslides, And Mudslides, Sep 2013 · 3 claims

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 3520 Smuggler Cir is high, ranking above 81% of the US, with a 0.7% annual chance of wildfire.

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

Wildfire Risk	High above 81% of the US · above 84% of Colorado
Wildfire Likelihood	0.7% annual chance
Exposure	Direct burnable vegetation

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	CITY OF BOULDER serves 166,080 people · EPA ID CO0107152
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 236 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ayva Networks Fixed Wireless	2,500 / 2,500
Xfinity Cable	2,000 / 250

May also be available: LiveWireNet, Verizon.

Nearby Properties on Smuggler Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures