Adams County property record for 387 Spruce St, Bennett, CO 80102
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,243 sqft · built 2020 |
| Lot Size | 0.129 acres (5,624 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $480,000 (Jun 2023) |
| Tax Bill | $3,935 (2025) |
| Deeds & Mortgages | Feb 2023 Mortgage Nov 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R0192842 |
| Primary APN | R0192842 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,243 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 5,624 sqft (0.129 acres) |
| Garage Type | Attached |
| Garage Area | 427 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Account Number | R0192842 |
|---|---|
| Street Address | 387 SPRUCE ST |
| City | BENNETT |
| State | CO |
| Zip | 80102-8667 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BENNETT CROSSING FLG NO 2 BLK 8 LOT 20 |
| Legal Subdivision | BENNETT CROSSING |
| Legal Block | 8 |
| Legal Lot Number | 20 |
| Jurisdiction | ADAMS CO |
| Township / Civil Division | EAST ADAMS |
| Census Block Group | 2 |
| Census Block | 2050 |
| Census Tract | 8401 |
Source: Adams County records, as of February 9, 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 | 387 SPRUCE ST, BENNETT, CO 80102-8667 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 22, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Nov 19, 2021 | Deed of Trust, Mortgage · FHA Mortgage JFQ LENDING INC |
| Jun 2, 2023 | Warranty Deed, Transfer · Conventional Mortgage OCMBC INC |
| Apr 1, 2021 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 2, 2023 · Amount on Record |
| Deed Sale | Jun 2, 2023 · Amount on Record |
| Prior Sale | Apr 1, 2021 · Amount on Record |
| Deed Document Number | 2023000031005 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAMS CO |
| Property Address | 387 SPRUCE ST, BENNETT, CO 80102-8667 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2026 |
| Name | Verified Name |
|---|---|
| Address | 387 SPRUCE ST, BENNETT, CO 80102-8667 |
| Document Number | 0000009258 |
|---|---|
| Date | Feb 22, 2023 |
| Instrument | 2023000009258 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 346 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ADAMS CO |
| Property Address | 387 SPRUCE ST, BENNETT, CO 80102-8667 |
| Transaction Type | Mortgage |
| Record Updated | Sep 18, 2023 |
| Title Company | WFT NATIONAL TITLE, WFG NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 387 SPRUCE ST, BENNETT, CO 80102-8667 |
| Document Number | 0000136220 |
|---|---|
| Date | Nov 19, 2021 |
| Instrument | 2021000136220 |
| Name | JFQ LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85258 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ADAMS CO |
| Recording Date | Jun 2, 2023 |
| Property Address | 387 SPRUCE ST, BENNETT, CO 80102-8667 |
| Document Number | 0000031005 |
| Instrument Date | May 17, 2023 |
| Instrument | 2023000031005 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $48.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 387 SPRUCE ST, BENNETT, CO 80102-8667 |
| Document Number | 0000031006 |
|---|---|
| Date | Jun 2, 2023 |
| Instrument | 2023000031006 |
| Name | OCMBC INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ADAMS CO |
| Recording Date | Apr 1, 2021 |
| Property Address | 387 SPRUCE ST, BENNETT, CO 80102-8667 |
| Document Number | 0000040236 |
| Instrument Date | Mar 24, 2021 |
| Instrument | 2021000040236 |
| 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 | $42.39 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 387 SPRUCE ST, BENNETT, CO 80102-8667 |
| Document Number | 0000040237 |
|---|---|
| Date | Apr 1, 2021 |
| Instrument | 2021000040237 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2051 |
Source: Adams County assessment roll, as of August 25, 2025
| 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 | $3,935.00 (-23.86%) | $30,060 (-13.72%) Land $5,810 Building $24,250 | $481,000 (-6.6%) Land $93,000 Building $388,000 |
| 2023 | $5,168.00 (+4.89%) | $34,840 (+5.9%) Land $5,410 Building $29,430 | $515,000 (+8.8%) Land $80,000 Building $435,000 |
| 2022 | $4,927.00 | $32,900 Land $8,340 Building $24,560 | $473,361 Land $120,000 Building $353,361 |
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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