425 Terrace Ave, Boulder, CO 80304 Property Records

Boulder County property record for 425 Terrace Ave, Boulder, CO 80304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,295 sqft · built 2007
Lot Size	0.116 acres (5,051 sqft)
Owner	Individual Name on Record
Last Sale	$1,850,000 (Dec 2021)
Tax Bill	$10,031 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Dec 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1461-12-1-14-012`

Property Details

APN / Parcel Number

Primary APN	`1461-12-1-14-012`
Alternative APNs	`R0510287` `0510287`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,295 sqft Living Area
Gross Area	3,823 sqft
1st Floor Area	935 sqft
Upper Floors Area	1,425 sqft
Basement Area	935 sqft
Finished Basement	935 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	A-Frame
Exterior Material	Wood Shingle
Construction Type	Frame
Roof Material	Asphalt
Lot Area	5,051 sqft (0.116 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	114 sqft
Deck Area	342 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	R0510287
Street Address	425 TERRACE AVE
City	BOULDER
State	CO
Zip	80304-4812
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 BLK 16 DAKOTA RIDGE VILLAGE PHASE 4
Legal Range	71
Legal Township	1N
Legal Section	12
Legal Subdivision	DAKOTA RIDGE VILLAGE PH 4
Legal Phase	4
Legal Block	16
Legal Lot Number	12
Jurisdiction	BOULDER CO
Township / Civil Division	BALD MOUNTAIN
Census Block Group	4
Census Block	4012
Census Tract	13704

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	425 TERRACE AVE, BOULDER, CO 80304-4812
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Dec 14, 2021	Warranty Deed, Transfer FIDELITY NATIONAL TITLE
Mar 11, 2019	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE MORTGAGE
Sep 19, 2019	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2021 · Amount on Record
Deed Sale	Dec 14, 2021 · Amount on Record
Prior Sale	Aug 17, 2007 · Amount on Record
Deed Document Number	20213934539
Prior Transfer Date	Feb 13, 2007
Prior Transfer Doc	0002842195
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOULDER CO
Property Address	425 TERRACE AVE, BOULDER, CO 80304-4812
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 TERRACE AVE, BOULDER, CO 80304-4812

Mortgage

Document Number	0003953106
Date	Mar 28, 2022
Instrument	3953106

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Apr 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	7.62%
Index	Other
Max Rate	7.62%

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOULDER CO
Recording Date	Dec 14, 2021
Property Address	425 TERRACE AVE, BOULDER, CO 80304-4812
Document Number	0003934539
Instrument Date	Dec 13, 2021
Instrument	3934539
Transaction Type	Transfer
Record Updated	Jan 4, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$185.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 TERRACE AVE, BOULDER, CO 80304-4812

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOULDER CO
Property Address	425 TERRACE AVE, BOULDER, CO 80304-4812
Transaction Type	Mortgage
Record Updated	Sep 22, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003701504
Date	Mar 11, 2019
Instrument	3701504

Lender

Name	COMMERCE MORTGAGE
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2049

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOULDER CO
Property Address	425 TERRACE AVE, BOULDER, CO 80304-4812
Transaction Type	Mortgage
Record Updated	Sep 22, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003737091
Date	Sep 19, 2019
Instrument	3737091

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 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	Boulder 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		$109,711 (+4.28%) Land $52,829 Building $56,882	$1,683,400 (-) Land $846,900 Building $836,500
2025	$10,031.00 (+2.4%)	$105,212 (-10.17%) Land $52,931 Building $52,281	$1,683,400 (-3.7%) Land $846,900 Building $836,500
2023	$9,796.00 (+10.59%)	$117,122 (+22.78%) Land $57,767 Building $59,355	$1,748,100 (+27.37%) Land $862,200 Building $885,900
2022	$8,858.00	$95,389 Land $46,280 Building $49,109	$1,372,500 Land $665,900 Building $706,600

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 October 14, 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
Flood Insurance Cost	Premium on Record median of 16 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	2 (2013)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2013 · Severe Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Flooding, Landslides, And Mudslides, Sep 2013 · 2 claims

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	High above 82% of the US · above 86% of Colorado
Wildfire Likelihood	0.7% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF BOULDER serves 166,080 people · EPA ID CO0107152
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 306 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ayva Networks Fixed Wireless	2,500 / 2,500
Xfinity Cable	2,000 / 250
LiveWireNet Fixed Wireless	250 / 100
CenturyLink DSL · Fiber in parts of the area	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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