43 Spruce St, Empire, CO 80438 Property Records

Clear Creek County property record for 43 Spruce St, Empire, CO 80438

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,080 sqft · built 1971
Lot Size	0.103 acres (4,487 sqft)
Owner	Individual Name on Record
Last Sale	$395,000 (Sep 2021)
Tax Bill	$1,937 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1839-203-05-008`

Property Details

APN / Parcel Number

Primary APN	`1839-203-05-008`
Alternative APN	`R007662`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,080 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Architectural Style	Traditional
Exterior Material	Wood Shingle
Lot Area	4,487 sqft (0.103 acres)
Terrain	Combination

Utilities, Heating & Cooling

Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	R007662
Old Parcel Number	1839203 05008
Street Address	43 SPRUCE ST
City	EMPIRE
State	CO
Zip	80438-5004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MR-1
Legal Description	SUBDIVISION: BERTHOUD FALLS BLOCK: 5 LOT: 20 AND:- LOT: 21 & IMP PTD 644/415
Legal Subdivision	BERTHOUD FALLS
Legal Block	5
Legal Lot Number	20,21
Jurisdiction	CLEAR CREEK CO
Township / Civil Division	GEORGETOWN
Census Block Group	2
Census Block	2101
Census Tract	14900

Owner

Source: Clear Creek County records, as of February 12, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 624, EMPIRE, CO 80438-0624
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2021	Warranty Deed, Transfer · Conventional Mortgage KEY BANK NA
Oct 23, 2018	Warranty Deed, Transfer · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2021 · Amount on Record
Deed Sale	Sep 17, 2021 · Amount on Record
Prior Sale	Oct 23, 2018 · Amount on Record
Deed Document Number	302553
Deed Book / Page	1016 / 223
Record Updated	Jun 8, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEAR CREEK CO
Recording Date	Sep 17, 2021
Property Address	43 SPRUCE ST, EMPIRE, CO 80438-5004
Document Number	0010160223
Book / Page	1016 / 223
Instrument Date	Sep 14, 2021
Instrument	302553
Transaction Type	Transfer
Record Updated	Sep 24, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$39.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	1526 SECREST CT, GOLDEN, CO 80401-2886

Mortgage

Document Number	302554
Date	Sep 17, 2021
Instrument	302554

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2041

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEAR CREEK CO
Recording Date	Oct 23, 2018
Property Address	43 SPRUCE ST, EMPIRE, CO 80438-5004
Document Number	0009560602
Book / Page	000956 / 000602
Instrument Date	Oct 19, 2018
Instrument	289608
Transaction Type	Transfer
Record Updated	Nov 7, 2018
Title Company	GUARDIAN TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	43 SPRUCE ST EMPIRE CO 80438, EMPIRE, CO 80438

Mortgage

Document Number	9560605
Date	Oct 23, 2018
Book Page	000956/000605
Instrument	289610

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 22, 2033

Tax Assessment & Valuation

Source: Clear Creek County assessment roll, as of August 25, 2025

Property Jurisdictions

Type	Name
State	Colorado
County	Clear Creek County
Unified School District	Clear Creek School District RE-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,937.00 (+29.57%)	$24,620 (+19.51%) Land $380 Building $24,240	$393,870 (+28.13%) Land $6,100 Building $387,770
2023	$1,495.00 (+47.15%)	$20,600 (+48.63%) Land $350 Building $20,250	$307,410 (+54.16%) Land $5,170 Building $302,240
2022	$1,016.00	$13,860 Land $420 Building $13,440	$199,410 Land $6,100 Building $193,310

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 December 20, 2019 · 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	8 in force
Nearby Flood Claims	1 (2013)
Most Recent Claim	Sep 2013 · Severe Storms, Flooding, Landslides, And Mudslides

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 70% of the US · above 64% of Colorado
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Spruce St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures