Routt County property record for 428 Clover Cir, Hayden, CO 81639
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 4 ba · 2,000 sqft · built 1976 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on File |
| Last Sale | $299,000 (Aug 2019) |
| Tax Bill | $3,587 (2025) |
| Deeds & Mortgages | Jan 2023 Line of Credit Feb 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R3825642 |
| Primary APN | R3825642 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,000 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Contemporary |
| Lot Area | 12,197 sqft (0.28 acres) |
| Terrain | Steep |
| Parking Spaces | 2 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Account Number | R3825642 |
|---|---|
| Street Address | 428 CLOVER CIR |
| City | HAYDEN |
| State | CO |
| Zip | 81639-5088 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RLD - RES |
| Legal Description | LOT 16 BLK 1 GOLDEN MEADOWS SUBD FILING 1 |
| Legal Range | 88 |
| Legal Township | 06 |
| Legal Section | 16 |
| Legal Subdivision | GOLDEN MEADOWS SUBD |
| Legal Block | 1 |
| Legal Lot Number | 16 |
| Jurisdiction | ROUTT CO |
| Township / Civil Division | HAYDEN |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 200 |
Source: Routt County records · APN R3825642
Assessment roll updated March 27, 2026 · Last verified April 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 File |
|---|---|
| Mailing Address | PO BOX 811, HAYDEN, CO 81639-0811 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jan 30, 2023 | Deed of Trust, Mortgage · Line of Credit ZB NA |
| Feb 26, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY LLC |
| Aug 06, 2019 | Warranty Deed, Transfer · Conventional Mortgage BAY EQUITY LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 06, 2019 · Amount on Record |
| Deed Sale | Aug 06, 2019 · Amount on Record |
| Prior Sale | Apr 20, 2005 · Amount on Record |
| Deed Document Number | 2019801783 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROUTT CO |
| Property Address | 428 CLOVER CIR, HAYDEN, CO 81639-5088 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 428 CLOVER CIR, HAYDEN, CO 81639-5088 |
| Document Number | 0000843537 |
|---|---|
| Date | Jan 30, 2023 |
| Instrument | 843537 |
| Name | ZB NA |
|---|---|
| Type | Bank |
| Address | STEAMBOAT SPRINGS, CO 80487 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 11, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROUTT CO |
| Property Address | 428 CLOVER CIR, HAYDEN, CO 81639-5088 |
| Transaction Type | Mortgage |
| Record Updated | Apr 18, 2022 |
| Title Company | LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000821241 |
|---|---|
| Date | Feb 26, 2021 |
| Instrument | 821241 |
| Name | BAY EQUITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CORTE MADERA, CA 94925 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROUTT CO |
| Recording Date | Aug 06, 2019 |
| Property Address | 428 CLOVER CIR, HAYDEN, CO 81639-5088 |
| Document Number | 0000801783 |
| Instrument Date | Aug 05, 2019 |
| Instrument | 801783 |
| Transaction Type | Transfer |
| Record Updated | Apr 18, 2022 |
| Title Company | LAND TITLE GUARANTEE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $29.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2000 ELK RIVER RD STE B301, B301, STEAMBOAT SPRINGS, CO 80487-5400 |
| Document Number | 0000801784 |
|---|---|
| Date | Aug 06, 2019 |
| Instrument | 801784 |
| Name | BAY EQUITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2049 |
Source: Routt County records · Assessment roll updated March 27, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Routt County |
| Municipality | Hayden Town |
| Unified School District | Hayden School District RE-1 (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,587.00 (+12.37%) | $34,910 (+23.31%) Land $4,760 Building $30,150 | $495,220 (+17.21%) Land $67,500 Building $427,720 |
| 2024 | $3,192.00 (+0.85%) | $28,310 (-) Land $4,150 Building $24,160 | $422,520 (-) Land $61,940 Building $360,580 |
| 2023 | $3,165.00 (+41.99%) | $28,310 (+49.47%) Land $4,150 Building $24,160 | $422,520 (+55.05%) Land $61,940 Building $360,580 |
| 2022 | $2,229.00 | $18,940 Land $2,020 Building $16,920 | $272,510 Land $29,000 Building $243,510 |
Source: FEMA National Flood Hazard Layer as of November 26, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Wildfire Risk | Low lower than 67% of the US · lower than 84% of Colorado |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Luminate Fiber Fiber | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 69 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF HAYDEN serves 3,982 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2026 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 6 last 3 years |
Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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