Elbert County property record for 38403 Co Rd 166, Agate, CO 80101
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,196 sqft · built 2004 |
| Lot Size | 0.52 acres (22,651 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $210,000 (Mar 2017) |
| Tax Bill | $1,056 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Mar 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 79014-13-005 |
| Primary APN | 79014-13-005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,196 sqft Living Area |
| Gross Area | 2,392 sqft |
| 1st Floor Area | 1,196 sqft |
| Basement Area | 1,196 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Ranch |
| Exterior Material | Fiber Cement Siding |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 22,651 sqft (0.52 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pole Barn | Pole Barn |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Account Number | R116853 |
|---|---|
| Street Address | 38403 COUNTY ROAD 166 |
| City | AGATE |
| State | CO |
| Zip | 80101-9749 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-2 |
| Legal Description | SECTION: 1 TOWNSHIP: 7 RANGE: 59SUBDIVISION: AGATE HEALDS ADD LOT: 1 |
| Legal Range | 59E |
| Legal Township | 7S |
| Legal Section | 1 |
| Legal Subdivision | AGATE HEALDS ADD |
| Legal Lot Number | 1 |
| Jurisdiction | ELBERT CO |
| Township / Civil Division | AGATE |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 961100 |
38403 Co Rd 166 is owned and occupied by two individuals who bought it in March 2017.
Source: Elbert County records, as of February 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 38403 COUNTY ROAD 166, AGATE, CO 80101-9749 |
| Occupancy | Owner Occupied |
| 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 |
|---|---|
| Feb 2, 2026 | Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCING CORP |
| Mar 6, 2017 | Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 6, 2017 · Amount on File |
| Deed Sale | Mar 6, 2017 · Amount on File |
| Prior Sale | Sep 7, 2016 · Amount on File |
| Deed Document Number | 2017566964 |
| Deed Book / Page | 775 / 758 |
| Prior Transfer Date | Aug 30, 2006 |
| Prior Transfer Doc | 0006880584 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ELBERT CO |
| Property Address | 38403 COUNTY ROAD 166, AGATE, CO 80101-9749 |
| Transaction Type | Mortgage |
| Record Updated | Feb 13, 2026 |
| Title Company | FITCO |
| Name | Verified Name |
|---|---|
| Address | 38403 COUNTY ROAD 166, AGATE, CO 80101-9749 |
| Document Number | 0008570586 |
|---|---|
| Date | Feb 2, 2026 |
| Book Page | 857/586 |
| Instrument | 648639 |
| Name | AMERICAN FINANCING CORP |
|---|---|
| Type | Lending Institution |
| Address | AURORA, CO 80014 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ELBERT CO |
| Recording Date | Mar 6, 2017 |
| Property Address | 38403 COUNTY ROAD 166, AGATE, CO 80101-9749 |
| Document Number | 0007750758 |
| Book / Page | 0775 / 0758 |
| Instrument Date | Mar 3, 2017 |
| Instrument | 566964 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2022 |
| Title Company | HERITAGE TITLE CO |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $21.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 38403 COUNTY ROAD 166, AGATE, CO 80101-9749 |
| Document Number | 0000566965 |
|---|---|
| Date | Mar 6, 2017 |
| Instrument | 566965 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2047 |
The 2025 property tax bill for 38403 Co Rd 166 was $1,056, up 8.5% from the year before.
Source: Elbert County assessment roll, as of February 9, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Elbert County |
| Unified School District | Agate School District 300 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,056.00 (+8.53%) | $16,620 Land $910 Building $15,710 | $265,900 Land $14,600 Building $251,300 |
| 2024 | $973.00 (+5.42%) | ||
| 2023 | $923.00 (-9.33%) | $16,730 (-5.8%) Land $800 Building $15,930 | $249,760 (-2.28%) Land $11,932 Building $237,828 |
| 2022 | $1,018.00 | $17,760 Land $900 Building $16,860 | $255,600 Land $13,000 Building $242,600 |
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 38403 Co Rd 166 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.
Source: FEMA National Flood Hazard Layer, effective December 5, 2024 · 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 |
| Nearby Flood Claims | 1 (2012) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 2012 · rainfall accumulation |
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 38403 Co Rd 166 is moderate, ranking above 52% of the US, with a 0.09% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 52% of the US · lower than 64% of Colorado |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Conexon Connect Fiber | 2,000 / 2,000 |
| Agate Mutual Telephone Cooperative Association Fiber | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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