406 Iowa Ave, Berthoud, CO 80513 Property Records

Larimer County property record for 406 Iowa Ave, Berthoud, CO 80513

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,154 sqft · built 1983
Lot Size	0.202 acres (8,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$542,950 (Oct 2023)
Tax Bill	$3,393 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Apr 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`94231-40-003`

Property Details

APN / Parcel Number

Primary APN	`94231-40-003`
Alternative APN	`R0672688`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,154 sqft Living Area
Gross Area	3,594 sqft
1st Floor Area	1,586 sqft
Basement Area	1,568 sqft
Finished Basement	1,568 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1983
Effective Year Built	Effective 2023
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,800 sqft (0.202 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Slab
Porch Area	516 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	R0672688
Street Address	406 IOWA AVE
City	BERTHOUD
State	CO
Zip	80513-1429
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3, BLK 1, JONES SUB 1ST, BERTHOUD
Legal Range	69W
Legal Township	4N
Legal Section	23
Legal Subdivision	JONES
Legal Block	1
Legal Lot Number	3
Jurisdiction	LARIMER CO
Township / Civil Division	BERTHOUD
Census Block Group	4
Census Block	4024
Census Tract	2700

Owner

Source: Larimer County records, as of August 4, 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 Record
Mailing Address	406 IOWA AVE, BERTHOUD, CO 80513-1429
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2023	Deed of Trust, Mortgage · Line of Credit FOOTHILLS CU
Apr 28, 2023	Deed of Trust, Mortgage · Line of Credit FOOTHILLS CU
Oct 17, 2023	Warranty Deed, Transfer · VA Mortgage WELLS FARGO BANK NA
Mar 6, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2023 · Amount on Record
Deed Sale	Oct 17, 2023 · Amount on Record
Prior Sale	Oct 13, 2016 · Amount on Record
Deed Document Number	202344706
Prior Transfer Date	Mar 1, 2023
Prior Transfer Doc	0000008779
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	406 IOWA AVE, BERTHOUD, CO 80513-1429
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 IOWA AVE, BERTHOUD, CO 80513-1429

Mortgage

Document Number	0000028427
Date	Jul 5, 2023
Instrument	20230028427

Lender

Name	FOOTHILLS CU
Type	Credit Union
Address	DENVER, CO 80226

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Jun 26, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	406 IOWA AVE, BERTHOUD, CO 80513-1429
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 IOWA AVE, BERTHOUD, CO 80513-1429

Mortgage

Document Number	0000016746
Date	Apr 28, 2023
Instrument	20230016746

Lender

Name	FOOTHILLS CU
Type	Credit Union
Address	DENVER, CO 80226

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 13, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Oct 17, 2023
Property Address	406 IOWA AVE, BERTHOUD, CO 80513-1429
Document Number	0000044706
Instrument Date	Oct 16, 2023
Instrument	20230044706
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$54.30
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	406 IOWA AVE, BERTHOUD, CO 80513-1429

Mortgage

Document Number	0000044707
Date	Oct 17, 2023
Instrument	20230044707

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LARIMER CO
Recording Date	Mar 6, 2023
Property Address	406 IOWA AVE, BERTHOUD, CO 80513-1429
Document Number	0000008779
Instrument Date	Mar 6, 2023
Instrument	20230008779
Transaction Type	Transfer
Record Updated	Feb 3, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1045 HOVER ST, LONGMONT, CO 80501-4156

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 OWA AVE, BERTHOUD, CO 80513

Tax Assessment & Valuation

Source: Larimer County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Colorado
Municipality	Berthoud Town
County	Larimer County
Unified School District	Thompson School District R-2J (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,393.00 (+4.37%)	$33,538 (-13.43%) Land $2,663 Building $30,875	$536,600 (-7.19%) Land $42,600 Building $494,000
2023	$3,251.00 (+27.59%)	$38,739 (+45.76%) Land $2,854 Building $35,885	$578,200 (+51.2%) Land $42,600 Building $535,600
2022	$2,548.00	$26,577 Land $2,961 Building $23,616	$382,400 Land $42,600 Building $339,800

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 September 30, 2026 · 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	3 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2025 · other causes

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.9% 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	TOWN OF BERTHOUD serves 14,211 people · EPA ID CO0135138
Water Source	Surface water
Last State Inspection	Dec 2021
Lead	10 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jul 2019
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 629 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Vistabeam Fixed Wireless	500 / 80
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Hilltop Broadband.

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