412 N 2nd St, Lamar, CO 81052 Property Records

Prowers County property record for 412 N 2nd St, Lamar, CO 81052

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,457 sqft · built 1951
Lot Size	0.275 acres (11,979 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Jan 2024)
Tax Bill	$721 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Sep 2022 Second Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`231004061`

Property Details

APN / Parcel Number

Primary APN	`231004061`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,457 sqft Living Area
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Siding
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,979 sqft (0.275 acres)
Garage Type	Detached
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Gravity Furnace

Location & Zoning

Street Address	412 N 2ND ST
City	LAMAR
State	CO
Zip	81052-2215
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHLAND BLK DN 80' OF W1/2 OF LOT 5 & EX E10'ADJ TO LOT TO CITY
Legal Subdivision	HIGHLAND
Legal Block	D
Legal Lot Number	5
Jurisdiction	PROWERS CO
Township / Civil Division	LAMAR
Census Block Group	1
Census Block	1051
Census Tract	200

Owner

Source: Prowers County records, as of February 19, 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
Co-owner	Co-owner on Record
Mailing Address	412 N 2ND ST, LAMAR, CO 81052-2215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 10, 2024	Warranty Deed, Transfer · Stand-Alone First Mortgage PEOPLES CU
Sep 20, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FRONTIER BANK
Apr 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage FRONTIER BANK
Sep 3, 2020	Deed of Trust, Mortgage SOUTHEAST COLORADO ENTERPRISE DEVELOPMEN
Sep 19, 2018	Warranty Deed, Transfer · ARM FRONTIER BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2024 · Amount on Record
Deed Sale	Jan 10, 2024 · Amount on Record
Prior Sale	Sep 19, 2018 · Amount on Record
Deed Document Number	560537
Deed Book / Page	560 / 537
Record Updated	Jun 8, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PROWERS CO
Recording Date	Jan 10, 2024
Property Address	412 N 2ND ST, LAMAR, CO 81052-2215
Document Number	0000560537
Instrument Date	Jan 10, 2024
Instrument	560537
Transaction Type	Transfer
Record Updated	Feb 21, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 N 2ND ST, LAMAR, CO 81052-2215

Mortgage

Document Number	0000560538
Date	Jan 10, 2024
Instrument	560538

Lender

Name	PEOPLES CU
Type	Credit Union

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jan 10, 2029

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PROWERS CO
Property Address	412 N 2ND ST, LAMAR, CO 81052-2215
Transaction Type	Mortgage
Record Updated	Oct 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000557688
Date	Sep 20, 2022
Instrument	557688

Lender

Name	FRONTIER BANK
Type	Bank
Address	LAMAR, CO 81052

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2037

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PROWERS CO
Property Address	412 N 2ND ST, LAMAR, CO 81052-2215
Transaction Type	Mortgage
Record Updated	May 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	553644
Date	Apr 27, 2021
Instrument	553644

Lender

Name	FRONTIER BANK
Type	Bank
Address	LAMAR, CO 81052

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2027
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	6.25%
Index	Other
Margin	3
Max Rate	8.25%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	PROWERS CO
Property Address	412 N 2ND ST, LAMAR, CO 81052-2215
Transaction Type	Mortgage
Record Updated	Oct 23, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	551895
Date	Sep 3, 2020
Instrument	551895

Lender

Name	SOUTHEAST COLORADO ENTERPRISE DEVELOPMEN
Type	Non-Lending Institution
Address	LAMAR, CO 81052

Agreement

Amount	Amount Recorded

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	PROWERS CO
Recording Date	Sep 19, 2018
Property Address	412 N 2ND ST, LAMAR, CO 81052-2215
Document Number	0000547057
Instrument Date	Sep 18, 2018
Instrument	547057
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	AVALANCHE TITLE AND ESCROW LLC, AVALANCHE TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 N 5TH ST, LAMAR, CO 81052-2404

Mortgage

Document Number	0000547058
Date	Sep 19, 2018
Instrument	547058

Lender

Name	FRONTIER BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Oct 1, 2023
Change Frequency	Annually
Min Rate At Change	4.75%
Max Rate At Change	6.75%
Index	Other
Max Rate	6.75%

Tax Assessment & Valuation

Source: Prowers County assessment roll, as of August 25, 2025

Property Jurisdictions

Type	Name
State	Colorado
County	Prowers County
Municipality	Lamar City
Unified School District	Lamar School District RE-2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$721.00 (+915.49%)		$151,303 (+131.32%) Land $9,000 Building $142,303
2023	$71.00 (-57.23%)	$22,534 Land $3,660 Building $18,874	$65,408 Land $7,320 Building $58,088
2019	$166.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective October 27, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	3 (1979)
Most Recent Claim	May 1979 · tidal / storm surge

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 80% of the US · lower than 91% of Colorado
Wildfire Likelihood	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 LAMAR serves 7,500 people · EPA ID CO0150700
Water Source	Groundwater
Last State Inspection	May 2025
Lead	4 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	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 302 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
SECOM Fixed Wireless · Fiber in parts of the area	300 / 50

May also be available: Verizon, Viaero Wireless.

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