395 Spruce St, Bennett, CO 80102 Property Records

Adams County property record for 395 Spruce St, Bennett, CO 80102 · Last verified February 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,931 sqft · built 2020
Lot Size	0.141 acres (6,164 sqft)
Owner	Individual Name on File
Last Sale	$400,900 (Apr 2021)
Tax Bill	$3,804 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R0192840`

Property Details

APN / Parcel Number

Primary APN	`R0192840`
Alternative APN	`0181534205018`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,931 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,164 sqft (0.141 acres)
Garage Type	Attached
Garage Area	428 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	R0192840
Street Address	395 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 18
Legal Subdivision	BENNETT CROSSING
Legal Block	8
Legal Lot Number	18
Jurisdiction	ADAMS CO
Township / Civil Division	EAST ADAMS
Census Block Group	2
Census Block	2050
Census Tract	8401

Owner

Source: Adams County records · APN R0192840

Assessment roll updated August 25, 2025 · Last verified February 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 File
Co-owner	Verified Secondary Owner
Mailing Address	395 SPRUCE ST, BENNETT, CO 80102-8667
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 09, 2021 · Amount on Record
Deed Sale	Apr 09, 2021 · Amount on Record
Deed Document Number	2021000043906
Record Updated	Jun 08, 2026

April 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ADAMS CO
Recording Date	Apr 09, 2021
Property Address	395 SPRUCE ST, BENNETT, CO 80102-8667
Document Number	0000043906
Instrument Date	Feb 19, 2021
Instrument	2021000043906
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 10, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$40.09
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	395 SPRUCE ST, BENNETT, CO 80102-8667

Mortgage

Document Number	0000043909
Date	Apr 09, 2021
Instrument	2021000043909

Lender

Name	HOMETOWN LENDERS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Mar 01, 2051

Tax Assessment & Valuation

Source: Adams County records · Assessment roll updated August 25, 2025 · Last verified February 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	$3,804.00 (-24.01%)	$29,060 (-13.92%) Land $5,810 Building $23,250	$465,000 (-6.81%) Land $93,000 Building $372,000
2023	$5,006.00 (+7.38%)	$33,760 (+8.45%) Land $5,410 Building $28,350	$499,000 (+11.42%) Land $80,000 Building $419,000
2022	$4,662.00	$31,130 Land $8,340 Building $22,790	$447,844 Land $120,000 Building $327,844

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
Flood Insurance Cost	Premium on Record median of 2 individual NFIP policies nearby
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.