405 E Oak St, Lafayette, CO 80026 Property Records

Boulder County property record for 405 E Oak St, Lafayette, CO 80026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,562 sqft · built 1905
Lot Size	0.16 acres (6,948 sqft)
Owner	Individual Name on Record
Last Sale	$63,000 (Jul 2019)
Tax Bill	$5,120 (2025)
Deeds & Mortgages	May 2021 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1465-35-3-05-008`

Property Details

APN / Parcel Number

Primary APN	`1465-35-3-05-008`
Alternative APNs	`R0141880` `0141880`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,562 sqft Living Area
1st Floor Area	1,470 sqft
Basement Area	1,092 sqft
Finished Basement	1,092 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Wood Shingle
Construction Type	Frame
Roof Material	Asphalt
Lot Area	6,948 sqft (0.16 acres)
Garage Type	Carport
Garage Area	189 sqft
Carport	Carport
Carport Area	189 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	R0141880
Street Address	405 E OAK ST
City	LAFAYETTE
State	CO
Zip	80026-2520
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 LESS UP RES BLK 5 FIRST UNION SPLIT FROM ID 21024/#1902731
Legal Range	69
Legal Township	1N
Legal Section	35
Legal Subdivision	FIRST UNION - LA
Legal Block	5
Legal Lot Number	9
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	405 E OAK ST, LAFAYETTE, CO 80026-2520
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jul 9, 2019	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2019 · Amount on Record
Deed Sale	Jul 9, 2019 · Amount on Record
Prior Sale	May 20, 2011 · Amount on Record
Deed Document Number	20193722847
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOULDER CO
Property Address	405 E OAK ST, LAFAYETTE, CO 80026-2520
Transaction Type	Mortgage
Record Updated	Jul 26, 2022
Title Company	FITC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003888643
Date	May 27, 2021
Instrument	3888643

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOULDER CO
Recording Date	Jul 9, 2019
Property Address	405 E OAK ST, LAFAYETTE, CO 80026-2520
Document Number	0003722847
Map Reference	MB R2-2-22
Instrument Date	Jul 8, 2019
Instrument	3722847
Transaction Type	Transfer
Record Updated	Jul 26, 2022
Title Company	HERITAGE TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$63.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	405 E OAK ST, LAFAYETTE, CO 80026-2520

Mortgage

Document Number	0003722848
Date	Jul 9, 2019
Instrument	3722848

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

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		$53,686 (-0.06%) Land $16,973 Building $36,713	$859,500 (-) Land $319,600 Building $539,900
2025	$5,120.00 (+8.22%)	$53,719 (-7.41%) Land $19,975 Building $33,744	$859,500 (-0.74%) Land $319,600 Building $539,900
2023	$4,731.00 (+16.1%)	$58,016 (+33.71%) Land $21,943 Building $36,073	$865,900 (+38.7%) Land $327,500 Building $538,400
2022	$4,075.00	$43,389 Land $16,680 Building $26,709	$624,300 Land $240,000 Building $384,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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