400 E Oak St, Lafayette, CO 80026 Property Records

Boulder County property record for 400 E Oak St, Lafayette, CO 80026

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 1,550 sqft · built 1950
Lot Size	0.159 acres (6,916 sqft)
Owner	Company Name on Record
Last Sale	$607,500 (Jan 2023)
Tax Bill	$3,828 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Jul 2018 Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1465-35-3-08-005`

Property Details

APN / Parcel Number

Primary APN	`1465-35-3-08-005`
Alternative APNs	`R0020197` `0020197`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,550 sqft Living Area
1st Floor Area	775 sqft
Basement Area	775 sqft
Finished Basement	775 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Wood Shingle
Construction Type	Frame
Lot Area	6,916 sqft (0.159 acres)
Porch	Porch
Porch Area	109 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	R0020197
Street Address	400 E OAK ST
City	LAFAYETTE
State	CO
Zip	80026-2521
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6 BLK 2 LESS MIN FIRST UNION
Legal Range	69
Legal Township	1N
Legal Section	35
Legal Subdivision	FIRST UNION - LA
Legal Block	2
Legal Lot Number	6
Jurisdiction	BOULDER CO
Township / Civil Division	LAFAYETTE-LOUISVILLE
Census Block Group	1
Census Block	1045
Census Tract	12907

Owner

Source: Boulder County records, as of June 15, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	400 E OAK ST, LAFAYETTE, CO 80026-2521
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2023	Special Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jul 13, 2018	Deed of Trust, Mortgage · Reverse Mortgage CHERRY CREEK MORTGAGE CO INC
Dec 14, 2021	Special Warranty Deed, Transfer · Stand-Alone First Mortgage MERCHANTS MORTGAGE & TRUST CORP
Jul 6, 2018	Deed of Trust, Mortgage · FHA Mortgage FEDERAL HSNG COMMISSIONER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2023 · Amount on Record
Deed Sale	Jan 31, 2023 · Amount on Record
Prior Sale	Dec 14, 2021 · Amount on Record
Deed Document Number	20233996043
Last Transfer Date	Apr 12, 2024
Transfer Doc	0004047222
Record Updated	Sep 20, 2026

January 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BOULDER CO
Recording Date	Jan 31, 2023
Property Address	400 E OAK ST, LAFAYETTE, CO 80026-2521
Document Number	0003996043
Instrument Date	Jan 27, 2023
Instrument	3996043
Transaction Type	Transfer
Record Updated	Feb 6, 2023
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$60.75
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	603 S IVY WAY, DENVER, CO 80224-1208

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	400 E OAK ST, LAFAYETTE, CO 80026-2521

Mortgage

Document Number	0003996044
Date	Jan 31, 2023
Instrument	3996044

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOULDER CO
Property Address	400 E OAK ST, LAFAYETTE, CO 80026-2521
Transaction Type	Mortgage
Record Updated	Jul 26, 2022
Title Company	FIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003665692
Date	Jul 13, 2018
Instrument	3665692

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company
Address	DENVER, CO 80235

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.76%
Type Change Date	Aug 1, 2019
Change Frequency	Annually
Min Rate At Change	2%
Index	1-Year LIBOR
Max Rate	5%

December 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BOULDER CO
Recording Date	Dec 14, 2021
Property Address	400 E OAK ST, LAFAYETTE, CO 80026-2521
Document Number	0003934600
Instrument Date	Dec 10, 2021
Instrument	3934600
Transaction Type	Transfer
Record Updated	Jul 26, 2022
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$41.50
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3819 CATTAILS DRIVE, 3819, WELLINGTON, CO 80549

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 S IVY WAY, DENVER, CO 80224-1208

Mortgage

Document Number	0003934601
Date	Dec 14, 2021
Instrument	3934601

Lender

Name	MERCHANTS MORTGAGE & TRUST CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Dec 5, 2022

Interest

Rate	9.25%
Change Frequency	2 Years

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOULDER CO
Property Address	400 E OAK ST, LAFAYETTE, CO 80026-2521
Document Number	0003665693
Instrument Date	Jul 6, 2018
Transaction Type	Mortgage
Record Updated	Sep 30, 2019
Title Company	FIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 E OAK ST LAFAYETTE CO 800262521, LAFAYETTE, CO 80026-2521

Mortgage

Document Number	0003665693
Date	Jul 13, 2018
Instrument	3665693

Lender

Name	FEDERAL HSNG COMMISSIONER
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	996 Months

Interest

Rate Type	Adjustable Rate
Rate	4.76%

Tax Assessment & Valuation

Source: Boulder County assessment roll, as of June 15, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Boulder County
Municipality	Lafayette City
Unified School District	Boulder Valley School District RE-2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$43,703 (+8.8%) Land $21,685 Building $22,018	$642,700 (-) Land $318,900 Building $323,800
2025	$3,828.00 (+10.6%)	$40,169 (-7.51%) Land $19,931 Building $20,238	$642,700 (-0.85%) Land $318,900 Building $323,800
2023	$3,461.00 (+62.87%)	$43,430 (+91.92%) Land $21,896 Building $21,534	$648,200 (+99.08%) Land $326,800 Building $321,400
2022	$2,125.00	$22,629 Land $16,638 Building $5,991	$325,600 Land $239,400 Building $86,200

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

Source: FEMA National Flood Hazard Layer, effective October 14, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.6% of Colorado
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF LAFAYETTE serves 28,700 people · EPA ID CO0107473
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	5 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 608 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
CenturyLink Fiber · DSL in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
LiveWireNet Fixed Wireless	250 / 100

May also be available: T-Mobile.

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