Clear Creek County property record for 405 E Mountain Ave, Empire, CO 80438
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,680 sqft · built 1976 |
| Lot Size | 0.22 acres (9,600 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $205,000 (Aug 2009) |
| Tax Bill | $2,437 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit May 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1837-283-20-005 |
| Primary APN | 1837-283-20-005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,680 sqft Living Area |
| Gross Area | 2,240 sqft |
| 1st Floor Area | 1,120 sqft |
| Basement Area | 1,120 sqft |
| Finished Basement | 560 sqft |
| Unfinished Basement | 560 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Traditional |
| Exterior Material | Shingles |
| Roof Material | Composition Shingle |
| Lot Area | 9,600 sqft (0.22 acres) |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 192 sqft |
| Patio Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | R007293 |
|---|---|
| Street Address | 405 E MOUNTAIN AVE |
| City | EMPIRE |
| State | CO |
| Zip | 80438-5078 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISION: EMPIRE BLOCK: 42 LOT: 7 AND:- LOT: 8 AND IMPS |
| Legal Subdivision | EMPIRE |
| Legal Block | 42 |
| Legal Lot Number | 7,8 |
| Jurisdiction | CLEAR CREEK CO |
| Township / Civil Division | GEORGETOWN |
| Census Block Group | 2 |
| Census Block | 2059 |
| Census Tract | 14900 |
Source: Clear Creek County records, as of February 9, 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 | PO BOX 341, EMPIRE, CO 80438-0341 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 9, 2022 | Deed of Trust, Mortgage · Line of Credit CU OF THE ROCKIES |
| May 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CU OF THE ROCKIES |
| Aug 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 23, 2018 | Deed of Trust, Mortgage · Conventional with PMI LAKEVIEW LN SERVICING |
| Sep 5, 2017 | Trustee's Deed, Construction Loan · Construction Mortgage CREDIT UNION/THE ROCKIES |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 21, 2009 · Amount on Record |
| Deed Sale | Aug 21, 2009 · Amount on Record |
| Deed Document Number | 2009253934 |
| Deed Book / Page | 810 / 903 |
| Prior Transfer Date | Oct 2, 2006 |
| Prior Transfer Doc | 0007650448 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEAR CREEK CO |
| Property Address | 405 E MOUNTAIN AVE, EMPIRE, CO 80438-5078 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0010390599 |
|---|---|
| Date | Dec 9, 2022 |
| Book Page | 1039/599 |
| Instrument | 308118 |
| Name | CU OF THE ROCKIES |
|---|---|
| Type | Credit Union |
| Address | GOLDEN, CO 80401 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Nov 25, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEAR CREEK CO |
| Property Address | 405 E MOUNTAIN AVE, EMPIRE, CO 80438-5078 |
| Transaction Type | Mortgage |
| Record Updated | Mar 14, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0009830039 |
|---|---|
| Date | May 21, 2020 |
| Book Page | 983/39 |
| Instrument | 295513 |
| Name | CU OF THE ROCKIES |
|---|---|
| Type | Credit Union |
| Address | GOLDEN, CO 80401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 20, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEAR CREEK CO |
| Property Address | 405 E MOUNTAIN AVE, EMPIRE, CO 80438-5078 |
| Transaction Type | Mortgage |
| Record Updated | Mar 14, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0010140792 |
|---|---|
| Date | Aug 26, 2021 |
| Book Page | 1014/792 |
| Instrument | 302248 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEAR CREEK CO |
| Property Address | 405 E MOUNTAIN AVE, EMPIRE, CO 80438-5078 |
| Document Number | 0009460494 |
| Instrument Date | Feb 23, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 21, 2018 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 405 E MOUNTAIN AVE EMPIRE CO 80438, EMPIRE, CO 80438 |
| Document Number | 0009460494 |
|---|---|
| Date | Mar 6, 2018 |
| Book Page | 000946/000494 |
| Instrument | 287212 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | CORAL GABLES, FL 33146 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 5, 2048 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | CLEAR CREEK CO |
| Recording Date | Sep 5, 2017 |
| Property Address | 405 E MOUNTAIN AVE, EMPIRE, CO 80438-5078 |
| Document Number | 0009390022 |
| Book / Page | 000939 / 000022 |
| Instrument Date | Aug 24, 2017 |
| Instrument | 285372 |
| Transaction Type | Construction Loan |
| Record Updated | Sep 22, 2017 |
| Name | Verified Name |
|---|---|
| Address | 405 E MOUNTAIN AVE EMPIRE CO 80438, EMPIRE, CO 80438 |
| Document Number | 9390022 |
|---|---|
| Date | Sep 5, 2017 |
| Book Page | 000939/000022 |
| Instrument | 285372 |
| Name | CREDIT UNION/THE ROCKIES |
|---|---|
| Type | Credit Union |
| Address | GOLDEN, CO 80401 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 4, 2027 |
Source: Clear Creek County assessment roll, as of February 9, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Clear Creek County |
| Municipality | Empire Town |
| Unified School District | Clear Creek School District RE-1 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,437.00 (+26.2%) | $32,680 (+29.12%) Land $2,080 Building $30,600 | $522,960 (+38.46%) Land $33,320 Building $489,640 |
| 2023 | $1,931.00 (+0.26%) | $25,310 (+1.12%) Land $1,950 Building $23,360 | $377,690 (+4.9%) Land $29,080 Building $348,610 |
| 2022 | $1,926.00 | $25,030 Land $2,320 Building $22,710 | $360,060 Land $33,320 Building $326,740 |
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.
Source: FEMA National Flood Hazard Layer, effective December 20, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 1 (2013) |
| Most Recent Claim | Sep 2013 · Severe Storms, Flooding, Landslides, And Mudslides |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 77% of the US · above 78% of Colorado |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF EMPIRE serves 500 people · EPA ID CO0110010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2026 |
| Lead | 2 ppb (2026) action level 15 ppb |
| Water Quality | Treatment failure resolved · Aug 2020 |
|---|---|
| Treatment and Procedure | Corrosion control Sep 2019 |
| Monitoring and Reporting | 11 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.
Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| T-Mobile Fixed Wireless | 100 / 20 |
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