38825 Rusty Spur Trl, Agate, CO 80101 Property Records

Elbert County property record for 38825 Rusty Spur Trl, Agate, CO 80101

Property Summary

Property Type	Single Family Home
Details	1 bd · 2.75 ba · 2,298 sqft · built 2004
Lot Size	35.1 acres (1,532,441 sqft)
Owner	2 Individual Names on File
Last Sale	$526,000 (Apr 2020)
Tax Bill	$1,985 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Jun 2017 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`71201-00-016`

Property Details

APN / Parcel Number

Primary APN	`71201-00-016`
Alternative APN	`R105133`

Interior

Bedrooms	1 Bed
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	2,298 sqft Living Area
Gross Area	2,578 sqft
Basement Area	1,289 sqft
Finished Basement	1,009 sqft
Unfinished Basement	280 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2008
Architectural Style	Raised Ranch
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Block
Roof Type	Flat
Roof Material	Fiberglass
Lot Area	1,532,441 sqft (35.1 acres)
Garage Type	Detached
Garage Area	1,296 sqft
Parking Spaces	5 Parking Spaces
Pole Barn	Pole Barn

Utilities, Heating & Cooling

Cooling System	Evaporative
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	R105133
Street Address	38825 RUSTY SPUR TRL
City	AGATE
State	CO
Zip	80101-9744
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	SECTION: 20 TOWNSHIP: 7 RANGE: 61SUBDIVISION: PONDEROSA RANGES LOT: 17
Legal Range	61E
Legal Township	7S
Legal Section	20
Legal Subdivision	PONDEROSA RANGES
Legal Tract	17
Legal Lot Number	17
Jurisdiction	ELBERT CO
Township / Civil Division	ELIZABETH
Census Block Group	1
Census Block	1044
Census Tract	961205

Owner

38825 Rusty Spur Trl is owned and occupied by two individuals who bought it in April 2020.

Source: Elbert County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	38825 RUSTY SPUR TRL, AGATE, CO 80101-9744
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 31, 2026	Deed of Trust, Mortgage · Line of Credit GEORGIAS OWN CU
Jun 20, 2017	Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY BANKS OF COLORADO
May 13, 2019	Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY BANKS OF COLORADO
Dec 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage EQUITABLE SAVINGS AND LOAN ASSOCIATION
Dec 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage ZENITH HM LNS
Apr 27, 2020	Grant Deed, Transfer ZENITH HM LNS
Apr 27, 2020	Warranty Deed, Transfer · Conventional Mortgage ZENITH HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 2020 · Amount on File
Deed Sale	Apr 27, 2020 · Amount on File
Deed Document Number	2020594640
Deed Book / Page	803 / 307
Prior Transfer Date	Oct 14, 2005
Prior Transfer Doc	0006770416
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELBERT CO
Property Address	38825 RUSTY SPUR TRL, AGATE, CO 80101-9744
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38825 RUSTY SPUR TRL, AGATE, CO 80101-9744

Mortgage

Document Number	0008580882
Date	Mar 31, 2026
Book Page	858/882
Instrument	649953

Lender

Name	GEORGIAS OWN CU
Type	Credit Union
Address	ATLANTA, GA 30303

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELBERT CO
Property Address	38825 RUSTY SPUR TRL, AGATE, CO 80101-9744
Transaction Type	Mortgage
Record Updated	Jul 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007780536
Date	Jun 20, 2017
Book Page	0778/0536
Instrument	569770

Lender

Name	COMMUNITY BANKS OF COLORADO
Type	Bank
Address	KIOWA, CO 80117

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELBERT CO
Property Address	38825 RUSTY SPUR TRL, AGATE, CO 80101-9744
Transaction Type	Mortgage
Record Updated	Jul 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007940318
Date	May 13, 2019
Book Page	0794/0318
Instrument	585557

Lender

Name	COMMUNITY BANKS OF COLORADO
Type	Bank
Address	KIOWA, CO 80117

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	26 Months
Due	Jul 25, 2021

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELBERT CO
Property Address	38825 RUSTY SPUR TRL, AGATE, CO 80101-9744
Transaction Type	Mortgage
Record Updated	Jul 26, 2022
Title Company	AVALANCHE TITLE & ESCROW INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007990946
Date	Dec 16, 2019
Book Page	0799/0946
Instrument	591253

Lender

Name	EQUITABLE SAVINGS AND LOAN ASSOCIATION
Address	LIMON, CO 80828

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELBERT CO
Property Address	38825 RUSTY SPUR TRL, AGATE, CO 80101-9744
Document Number	0002850802
Instrument Date	Dec 23, 2020
Transaction Type	Mortgage
Record Updated	Feb 8, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38825 RUSTY SPUR TRL AGATE CO 801019744, AGATE, CO 80101-9744

Mortgage

Document Number	0002850802
Date	Dec 30, 2020
Book Page	000285/000802
Instrument	603089

Lender

Name	ZENITH HM LNS
Address	SCOTTSDALE, AZ 85258

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 29, 2050

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ELBERT CO
Recording Date	Apr 27, 2020
Property Address	38825 RUSTY SPUR TRL, AGATE, CO 80101-9744
Document Number	0008030308
Book / Page	000803 / 000308
Instrument Date	Apr 23, 2020
Instrument	594641
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	ELBERT COUNTY ABSTRACT, ELBERT CNTY ABS

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38825 RUSTY SPUR TRL AGATE CO 801019744, AGATE, CO 80101-9744

Mortgage

Document Number	8030309
Date	Apr 27, 2020
Book Page	000803/000309
Instrument	594642

Lender

Name	ZENITH HM LNS
Address	SCOTTSDALE, AZ 85258

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 26, 2050

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ELBERT CO
Recording Date	Apr 27, 2020
Property Address	38825 RUSTY SPUR TRL, AGATE, CO 80101-9744
Document Number	0008030307
Book / Page	000803 / 000307
Instrument Date	Apr 21, 2020
Instrument	594640
Transaction Type	Transfer
Record Updated	Jun 1, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$53.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38825 RUSTY SPUR TRL AGATE CO 801019744, AGATE, CO 80101-9744

Mortgage

Document Number	8030309
Date	Apr 27, 2020
Book Page	000803/000309
Instrument	594642

Lender

Name	ZENITH HM LNS
Address	SCOTTSDALE, AZ 85258

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 26, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 38825 Rusty Spur Trl was $1,985, up 4.5% from the year before.

Source: Elbert County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Elbert County
Unified School District	Kiowa School District C-2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,985.00 (+4.53%)	$29,460 Land $280 Building $29,180	$467,920 Land $1,020 Building $466,900
2024	$1,899.00 (+5.32%)
2023	$1,803.00 (-1.26%)	$30,680 (+3.16%) Land $280 Building $30,400	$454,865 (+6.99%) Land $1,065 Building $453,800
2022	$1,826.00	$29,740 Land $270 Building $29,470	$425,139 Land $1,039 Building $424,100

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 38825 Rusty Spur Trl in Zone X, an area of minimal flood risk.

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

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 38825 Rusty Spur Trl is high, ranking above 72% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 72% of the US · above 69% of Colorado
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BAM Broadband Fixed Wireless · not low latency	1,000 / 100
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

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