Morgan County property record for 405 Suzann St, Wiggins, CO 80654
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 3,181 sqft · built 2004 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $298,000 (Nov 2020) |
| Tax Bill | $2,475 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage May 2019 Mortgage + 2 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 1223-142-30-002 |
| Primary APN | 1223-142-30-002 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 3,181 sqft Total Area |
| 1st Floor Area | 1,145 sqft |
| Basement Area | 1,145 sqft |
| Finished Basement | 1,145 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Bi-Level |
| Exterior Material | Other |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,000 sqft (0.23 acres) |
| Lot Dimensions | 125 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 784 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 25 sqft |
| Patio Area | 82 sqft |
| Balcony Area | 82 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 405 SUZANN ST |
|---|---|
| City | WIGGINS |
| State | CO |
| Zip | 80654-1416 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBD HILLSIDE SECOND RPT BLK 2 LTS 3 THRU 7 AND HILLSIDE SECOND EXTENDED SOUTH BLOCK 02 LOT 02 |
| Legal Subdivision | HILLSIDE SECOND RPT BLK 2 LTS 3 THRU 7 |
| Legal Block | 2 |
| Legal Lot Number | 2 |
| Jurisdiction | MORGAN CO |
| Township / Civil Division | WIGGINS |
| Census Block Group | 2 |
| Census Block | 2057 |
| Census Tract | 200 |
405 Suzann St is owned and occupied by an individual who bought it in November 2020.
Source: Morgan County records, as of March 31, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 405 SUZANN ST, WIGGINS, CO 80654-1416 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 2, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| May 20, 2019 | Deed of Trust, Mortgage · FHA Mortgage CHERRY CREEK MORTGAGE CO INC |
| Nov 30, 2020 | Warranty Deed, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION |
| Aug 23, 2017 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 30, 2020 · Amount on File |
| Deed Sale | Nov 30, 2020 · Amount on File |
| Prior Sale | Mar 17, 2015 · Amount on File |
| Deed Document Number | 2020929133 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN CO |
| Property Address | 405 SUZANN ST, WIGGINS, CO 80654-1416 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2021 |
| Name | Verified Name |
|---|---|
| Address | 405 SUZANN ST, WIGGINS, CO 80654-1416 |
| Document Number | 0000936474 |
|---|---|
| Date | Nov 2, 2021 |
| Instrument | 936474 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN CO |
| Property Address | 405 SUZANN ST, WIGGINS, CO 80654-1416 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ASCENDANT TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000918457 |
|---|---|
| Date | May 20, 2019 |
| Instrument | 918457 |
| Name | CHERRY CREEK MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Address | ENGLEWOOD, CO 80111 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MORGAN CO |
| Recording Date | Nov 30, 2020 |
| Property Address | 405 SUZANN ST, WIGGINS, CO 80654-1416 |
| Document Number | 0000929133 |
| Instrument Date | Nov 25, 2020 |
| Instrument | 929133 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2021 |
| Title Company | EQUITY TITLE OF COLORADO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $29.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 405 SUZANN ST, WIGGINS, CO 80654-1416 |
| Document Number | 0000929134 |
|---|---|
| Date | Nov 30, 2020 |
| Instrument | 929134 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MORGAN CO |
| Property Address | 405 SUZANN ST, WIGGINS, CO 80654-1416 |
| Document Number | 0000907650 |
| Instrument Date | Aug 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2017 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 405 SUZANN ST WIGGINS CO 806541416, WIGGINS, CO 80654-1416 |
| Document Number | 0000907650 |
|---|---|
| Date | Aug 30, 2017 |
| Instrument | 907650 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 29, 2047 |
The 2025 property tax bill for 405 Suzann St was $2,475, down 9% from the year before.
Source: Morgan County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Morgan County |
| Municipality | Wiggins Town |
| Unified School District | Wiggins School District RE-50J (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,475.00 (-9.01%) | $24,110 (-6.26%) Land $3,210 Building $20,900 | $385,750 (+0.49%) Land $51,400 Building $334,350 |
| 2024 | $2,720.00 | $25,720 (-12.55%) Land $2,770 Building $22,950 | $383,870 (-12.53%) Land $41,330 Building $342,540 |
| 2023 | $2,720.00 (+19.3%) | $29,410 (+39.19%) Land $3,170 Building $26,240 | $438,870 (+44.33%) Land $47,250 Building $391,620 |
| 2022 | $2,280.00 | $21,130 Land $2,770 Building $18,360 | $304,080 Land $39,900 Building $264,180 |
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.
FEMA maps place 405 Suzann St in Zone X, an area of moderate flood risk.
Source: FEMA National Flood Hazard Layer, effective June 8, 2023
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 405 Suzann St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 91% of Colorado |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 WIGGINS serves 1,909 people · EPA ID CO0144035 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2024 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 244 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Wiggins Telephone Association Fiber | 1,000 / 500 |
| Verizon Fixed Wireless | 300 / 20 |
| Viaero Wireless Fixed Wireless | 150 / 40 |
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