Larimer County property record for 427 Lake Dr, Lyons, CO 80540
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,713 sqft · built 1986 |
| Lot Size | 11.6 acres (505,732 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $10,422 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14363-05-027 |
| Primary APN | 14363-05-027 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,713 sqft Living Area |
| Upper Floors Area | 230 sqft |
| Basement Area | 701 sqft |
| Finished Basement | 701 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 505,732 sqft (11.6 acres) |
| Terrain | Gentle Slope |
| Garage Type | Attached |
| Garage Area | 912 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 703 sqft |
| Deck Area | 548 sqft |
| Patio Area | 778 sqft |
| Balcony | Balcony |
| Balcony Area | 120 sqft |
| Sauna | Sauna |
| Heating Fuel | Electric |
|---|---|
| Sewer | Septic |
| Water Source | Well |
| Account Number | R0594164 |
|---|---|
| Old Parcel Number | 1436305027 |
| Street Address | 427 LAKE DR |
| City | LYONS |
| State | CO |
| Zip | 80540-8324 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 27, SPRING GULCH RANCH EST 1ST |
| Legal Range | 71 |
| Legal Township | 04 |
| Legal Section | 36 |
| Legal Quarter | SW |
| Legal Subdivision | SPRING GULCH RANCH ESTATES |
| Legal Block | 5 |
| Legal Lot Number | 27 |
| Jurisdiction | LARIMER CO |
| Township / Civil Division | ESTES PARK |
| Census Block Group | 1 |
| Census Block | 1059 |
| Census Tract | 1905 |
Source: Larimer County assessment roll, as of August 25, 2025
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 File |
|---|---|
| Mailing Address | 427 LAKE DR, LYONS, CO 80540-8324 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 1, 1993 |
| Deed Sale | May 1, 1993 |
| Deed Document Number | RECEPT # 93032250 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LARIMER CO |
| Property Address | 427 LAKE DR, LYONS, CO 80540-8324 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2021 |
| Title Company | FITCO |
| Name | Verified Name |
|---|
| Document Number | 0000012257 |
|---|---|
| Date | Feb 3, 2021 |
| Instrument | 20210012257 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2051 |
Source: Larimer County assessment roll, as of August 25, 2025
| Type | Name |
|---|---|
| State | Colorado |
| County | Larimer County |
| Unified School District | St. Vrain Valley School District RE 1J (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,422.00 (+12.02%) | $95,113 (-6.39%) Land $18,000 Building $77,113 | $1,521,800 (+0.35%) Land $288,000 Building $1,233,800 |
| 2023 | $9,304.00 (+60.08%) | $101,606 (+59.62%) Land $19,296 Building $82,310 | $1,516,500 (+65.57%) Land $288,000 Building $1,228,500 |
| 2022 | $5,812.00 | $63,655 Land $14,692 Building $48,963 | $915,900 Land $211,400 Building $704,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 2 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Very High above 91% of the US · above 95% of Colorado |
|---|---|
| Wildfire Likelihood | 1% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Xbar7 Communications Fixed Wireless | 200 / 200 |
| Z3N Fixed Wireless · not low latency | 200 / 30 |
| JAB Wireless Fixed Wireless | 50 / 10 |
4G LTE (outdoors only), no 5G reported
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