403 E Oak St, Lafayette, CO 80026 Property Records

Boulder County property record for 403 E Oak St, Lafayette, CO 80026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,808 sqft · built 1905
Lot Size	0.156 acres (6,772 sqft)
Owner	Individual Name on Record
Last Sale	$188,000 (Feb 1999)
Tax Bill	$3,344 (2025)
Deeds & Mortgages	Mar 2020 Line of Credit Sep 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`1465-35-3-05-007`

Property Details

APN / Parcel Number

Primary APN	`1465-35-3-05-007`
Alternative APNs	`R0021024` `0021024`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,808 sqft Living Area
1st Floor Area	1,296 sqft
Basement Area	512 sqft
Finished Basement	512 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1989
Architectural Style	Split Level
Exterior Material	Wood Shingle
Construction Type	Frame
Roof Material	Asphalt
Lot Area	6,772 sqft (0.156 acres)

Exterior Amenities

Porch	Porch
Porch Area	84 sqft
Deck Area	60 sqft
Patio Area	158 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	R0021024
Street Address	403 E OAK ST
City	LAFAYETTE
State	CO
Zip	80026-2520
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 LESS UP RES BLK 5 FIRST UNION SPLIT TO ID 141880/#1902731
Legal Range	69
Legal Township	1N
Legal Section	35
Legal Subdivision	FIRST UNION - LA
Legal Block	5
Legal Lot Number	8
Jurisdiction	BOULDER CO
Township / Civil Division	LAFAYETTE-LOUISVILLE
Census Block Group	1
Census Block	1031
Census Tract	12907

Owner

Source: Boulder County records, as of September 18, 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 Record
Mailing Address	403 E OAK ST, LAFAYETTE, CO 80026-2520
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2020	Deed of Trust, Mortgage · Line of Credit ELEVATIONS CU
Sep 28, 2018	Deed of Trust, Mortgage · Line of Credit ELEVATIONS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 5, 1999 · Amount on Record
Deed Sale	Feb 5, 1999 · Amount on Record
Prior Sale	Aug 6, 1997 · Amount on Record
Deed Document Number	19991902731
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOULDER CO
Property Address	403 E OAK ST, LAFAYETTE, CO 80026-2520
Document Number	0003773676
Instrument Date	Mar 19, 2020
Transaction Type	Mortgage
Record Updated	Jun 8, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 E OAK ST LAFAYETTE CO 800262520, LAFAYETTE, CO 80026-2520

Mortgage

Document Number	0003773676
Date	Mar 24, 2020
Instrument	3773676

Lender

Name	ELEVATIONS CU
Address	BOULDER, CO 80301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 23, 2040

Interest

Rate Type	Adjustable Rate

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOULDER CO
Property Address	403 E OAK ST, LAFAYETTE, CO 80026-2520
Document Number	0003679380
Instrument Date	Sep 28, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 E OAK ST LAFAYETTE CO 800262520, LAFAYETTE, CO 80026-2520

Mortgage

Document Number	0003679380
Date	Oct 3, 2018
Instrument	3679380

Lender

Name	ELEVATIONS CU
Address	BOULDER, CO 80301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 2, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Boulder County assessment roll, as of September 18, 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		$40,484 (-2.08%) Land $16,956 Building $23,528	$661,500 (-) Land $315,500 Building $346,000
2025	$3,344.00 (+10.04%)	$41,344 (-7.49%) Land $19,719 Building $21,625	$661,500 (-0.82%) Land $315,500 Building $346,000
2024	$3,039.00 (+1.74%)
2023	$2,987.00 (+19.86%)	$44,689 (+33.46%) Land $21,668 Building $23,021	$667,000 (+38.44%) Land $323,400 Building $343,600
2022	$2,492.00	$33,486 Land $16,465 Building $17,021	$481,800 Land $236,900 Building $244,900

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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