401 Spruce Rd, Cimarron, CO 81220 Property Records

Gunnison County property record for 401 Spruce Rd, Cimarron, CO 81220

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1 ba · 1,576 sqft · built 1994
Lot Size	0.75 acres (32,670 sqft)
Owner	2 Individual Names on File
Last Sale	$153,000 (Sep 2018)
Tax Bill	$1,395 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R011865`

Property Details

APN / Parcel Number

Primary APN	`R011865`
Alternative APN	`404918005029`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,576 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Brick Veneer
Construction Type	Masonry / Concrete Block
Roof Material	Metal
Lot Area	32,670 sqft (0.75 acres)

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	R011865
Street Address	401 SPRUCE RD
City	CIMARRON
State	CO
Zip	81220
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	LOT 11, BLOCK 2, ARROWHEAD, FILING NO. 1, #655968
Legal Subdivision	ARROWHEAD FILING 1
Legal Block	2
Legal Lot Number	11
Jurisdiction	GUNNISON CO
Township / Civil Division	SAPINERO
Census Block Group	2
Census Block	2160
Census Tract	963900

Owner

Source: Gunnison County records · APN R011865

Assessment roll updated February 24, 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	2906 ABEL DR, GRAND JUNCTION, CO 81504-6504
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2025	Deed of Trust, Mortgage · Conventional Mortgage THE LOAN STORE INC
Sep 14, 2018	Warranty Deed, Transfer · Conventional Mortgage BANK OF COLORADO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 14, 2018 · Amount on Record
Deed Sale	Sep 14, 2018 · Amount on Record
Prior Sale	Oct 13, 1993 · Amount on Record
Deed Document Number	2018655968
Last Transfer Date	Apr 21, 2023
Transfer Doc	0000691209
Record Updated	Jun 08, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUNNISON CO
Property Address	401 SPRUCE RD, CIMARRON, CO 81220
Transaction Type	Mortgage
Record Updated	Dec 29, 2025
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2906 ABEL DR, GRAND JUNCTION, CO 81504-6504

Mortgage

Document Number	0000705640
Date	Nov 19, 2025
Instrument	705640

Lender

Name	THE LOAN STORE INC
Type	Mortgage Company
Address	6340 N CAMPBELL AVE STE 100, TUCSON, AZ 85718

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2055

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUNNISON CO
Recording Date	Sep 14, 2018
Property Address	401 SPRUCE RD, CIMARRON, CO 81220
Document Number	0000655968
Map Reference	DOC298784
Instrument Date	Sep 13, 2018
Instrument	0655968
Transaction Type	Transfer
Record Updated	Jun 23, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$15.30
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	401 SPRUCE RD, CIMARRON, CO 81220

Mortgage

Document Number	0000655969
Date	Sep 14, 2018
Instrument	0655969

Lender

Name	BANK OF COLORADO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2048

Tax Assessment & Valuation

Source: Gunnison County records · Assessment roll updated February 24, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Gunnison County
Unified School District	Gunnison Watershed School District RE-1J (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	$1,395.00 (-3.33%)	$25,860 (-17.8%) Land $6,690 Building $19,170	$413,740 (-11.88%) Land $107,000 Building $306,740
2024	$1,443.00 (+2.78%)	$31,460 (+13.29%) Land $6,300 Building $25,160
2023	$1,404.00 (+47.17%)	$27,770 (+71.84%) Land $5,560 Building $22,210	$469,500 (+101.93%) Land $94,000 Building $375,500
2022	$954.00	$16,160 Land $3,830 Building $12,330	$232,510 Land $55,090 Building $177,420

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 11, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Moderate above 67% of the US · above 60% of Colorado
Wildfire Likelihood	0.1% annual chance
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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Nucla-Naturita Telephone Company DSL	100 / 20

Based on FCC filings for 24 locations within half a mile of this property.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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