432 Elm St, Sterling, CO 80751 Property Records

Logan County property record for 432 Elm St, Sterling, CO 80751

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,237 sqft · built 1918
Lot Size	0.172 acres (7,492 sqft)
Owner	Individual Name on File
Last Sale	$239,000 (Feb 2025)
Tax Bill	$1,031 (2025)
Deeds & Mortgages	Feb 2025 Sale & Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`38052529410011`

Property Details

APN / Parcel Number

Primary APN	`38052529410011`
Alternative APN	`4867000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,237 sqft Heated Area
1st Floor Area	1,237 sqft
Basement Area	1,008 sqft
Finished Basement	264 sqft
Unfinished Basement	744 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1943
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	190 ft deep x 50 ft wide

Exterior Amenities

Porch	Patio
Porch Area	176 sqft
Patio Area	108 sqft
Utility Building	528 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	4867000
Street Address	432 ELM ST
City	STERLING
State	CO
Zip	80751-3235
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 50' X 190' LOT 4 BLK 48 K&S ADDN STERLING
Legal Range	52W
Legal Township	08N
Legal Section	29
Legal Subdivision	K&S ADDN
Legal Block	48
Legal Lot Number	4
Jurisdiction	LOGAN CO
Township / Civil Division	STERLING
Census Block Group	2
Census Block	2033
Census Tract	966200

Owner

432 Elm St is owned and occupied by an individual who bought it in February 2025.

Source: Logan County records, as of August 18, 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 File
Mailing Address	432 ELM ST, STERLING, CO 80751-3235
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 28, 2025	Special Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCING CORP
Jul 21, 2022	Special Warranty Deed, Transfer · Conventional Mortgage GUARDIAN MORTGAGE CO INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2025 · Amount on File
Deed Sale	Feb 28, 2025 · Amount on File
Prior Sale	Jul 21, 2022 · Amount on File
Deed Document Number	2025774334
Deed Book / Page	1062 / 539
Record Updated	Sep 20, 2026

February 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LOGAN CO
Recording Date	Feb 28, 2025
Property Address	432 ELM ST, STERLING, CO 80751-3235
Document Number	0000774334
Book / Page	1062 / 539
Instrument Date	Feb 27, 2025
Instrument	774334
Transaction Type	Transfer
Record Updated	May 14, 2026
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$23.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 ELM ST, STERLING, CO 80751-3235

Mortgage

Document Number	0000774335
Date	Feb 28, 2025
Instrument	774335

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2055

Mortgage

Document Number	0000774336
Date	Feb 28, 2025
Book Page	1062/541
Instrument	774336

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	DENVER, CO 80202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2055

July 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LOGAN CO
Recording Date	Jul 21, 2022
Property Address	432 ELM ST, STERLING, CO 80751-3235
Document Number	0000762536
Book / Page	1050 / 726
Instrument Date	Jul 18, 2022
Instrument	762536
Transaction Type	Transfer
Record Updated	May 14, 2026
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$26.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	432 ELM ST, STERLING, CO 80751-3235

Mortgage

Document Number	0000762537
Date	Jul 21, 2022
Instrument	762537

Lender

Name	GUARDIAN MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 432 Elm St was $1,031.

Source: Logan County assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Logan County
Municipality	Sterling City
Unified School District	Valley School District RE-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,031.00	$12,304	$196,862 Land $37,500 Building $159,362
2023	$613.00 (-25.43%)	$148,310 (+1,338.51%) Land $28,130 Building $120,180	$148,310 (-) Land $28,130 Building $120,180
2022	$822.00	$10,310 Land $1,960 Building $8,350	$148,310 Land $28,130 Building $120,180

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

FEMA maps place 432 Elm St in Zone X, an area of moderate flood risk, though there have been 6 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective May 29, 2025 · 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
Nearby Flood Policies	6 in force
Nearby Flood Claims	6 (1982–2015)
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Heavy Rain, Flash Floods, Flooding, Mudslides, Jul 1997 · 3 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

Wildfire risk around 432 Elm St is low, with a 0.01% annual chance of 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 STERLING serves 15,100 people · EPA ID CO0138045
Water Source	Groundwater influenced by surface water
Last State Inspection	Nov 2023
Lead	Under 1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 439 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
ElektraFi Fixed Wireless	400 / 80
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Kentec Communications, Vistabeam.

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