391 Spruce St, Bennett, CO 80102 Property Records

Adams County property record for 391 Spruce St, Bennett, CO 80102 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,490 sqft · built 2020
Lot Size	0.129 acres (5,625 sqft)
Owner	2 Individual Names on File
Last Sale	$441,000 (Jan 2023)
Tax Bill	$3,665 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jan 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1815-34-2-05-019`

Property Details

APN / Parcel Number

Primary APN	`1815-34-2-05-019`
Alternative APNs	`0181534205019` `R0192841`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,490 sqft Living Area
Gross Area	2,006 sqft
1st Floor Area	1,490 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Ranch
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,625 sqft (0.129 acres)
Garage Type	Attached
Garage Area	410 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	R0192841
Street Address	391 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 19
Legal Range	63W
Legal Township	03S
Legal Section	34
Legal Quarter	2
Legal Subdivision	BENNETT CROSSING
Legal Block	8
Legal Lot Number	19
Jurisdiction	ADAMS CO
Township / Civil Division	EAST ADAMS
Census Block Group	2
Census Block	2050
Census Tract	8401

Owner

Source: Adams County records · APN 1815-34-2-05-019

Assessment roll updated January 21, 2026 · Last verified April 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 File
Mailing Address	391 SPRUCE ST, BENNETT, CO 80102-8667
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage SCL MORTGAGE LLC
Jan 23, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 12, 2021	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 23, 2023 · Amount on Record
Deed Sale	Jan 23, 2023 · Amount on Record
Prior Sale	Jan 12, 2021 · Amount on Record
Deed Document Number	20233946
Record Updated	Jun 08, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS CO
Property Address	391 SPRUCE ST, BENNETT, CO 80102-8667
Transaction Type	Mortgage
Record Updated	Feb 10, 2026
Title Company	UNKNOWN, PTA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	391 SPRUCE ST, BOULDER, CO 80302-4974
Investor	Possibly a Property Investor

Mortgage

Document Number	0000122985
Date	Oct 19, 2021
Instrument	2021000122985

Lender

Name	SCL MORTGAGE LLC
Type	Mortgage Company
Address	LONE TREE, CO 80124

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2051

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAMS CO
Recording Date	Jan 23, 2023
Property Address	391 SPRUCE ST, BENNETT, CO 80102-8667
Document Number	0000003946
Instrument Date	Jan 20, 2023
Instrument	2023000003946
Transaction Type	Transfer
Record Updated	Feb 10, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$44.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	391 SPRUCE ST, BENNETT, CO 80102-8667

Mortgage

Document Number	0000003947
Date	Jan 23, 2023
Instrument	2023000003947

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2053

January 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ADAMS CO
Recording Date	Jan 12, 2021
Property Address	391 SPRUCE ST, BENNETT, CO 80102-8667
Document Number	0000003183
Instrument Date	Dec 31, 2020
Instrument	2021000003183
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 27, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$37.99
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	391 SPRUCE ST, BENNETT, CO 80102-8667

Mortgage

Document Number	0000003184
Date	Jan 12, 2021
Instrument	2021000003184

Lender

Name	CROSSCOUNTRY MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2051

Tax Assessment & Valuation

Source: Adams County records · Assessment roll updated January 21, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Adams County
Municipality	Bennett Town
Unified School District	Bennett School District 29-J (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,665.00 (-21.11%)	$30,460 (-6.59%) Land $6,320 Building $24,140	$448,000 (-7.05%) Land $93,000 Building $355,000
2024	$4,646.00 (-3.93%)
2023	$4,836.00 (+8.5%)	$32,610 (+9.58%) Land $5,410 Building $27,200	$482,000 (+12.57%) Land $80,000 Building $402,000
2022	$4,457.00	$29,760 Land $8,340 Building $21,420	$428,174 Land $120,000 Building $308,174

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Adams County (08001C), updated October 2, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 080010084012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Moderate above 47% of the US · above 30% of Colorado
Wildfire Likelihood	About 1 in 1,471 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 316 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Fiber	2,000 / 2,000
Eastern Slope Rural Telephone Association	Fiber	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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