434 Clover Cir, Hayden, CO 81639 Property Records

Routt County property record for 434 Clover Cir, Hayden, CO 81639

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,570 sqft · built 1976
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$504,000 (Aug 2022)
Tax Bill	$3,997 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R3827073`

Property Details

APN / Parcel Number

Primary APN	`R3827073`
Alternative APN	`126501019`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,570 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1995
Architectural Style	Contemporary
Lot Area	7,405 sqft (0.17 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal

Location & Zoning

Account Number	R3827073
Street Address	434 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 19 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	19
Jurisdiction	ROUTT CO
Township / Civil Division	HAYDEN
Census Block Group	2
Census Block	2024
Census Tract	200

Owner

Source: Routt County records, as of March 27, 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	PO BOX 1275, HAYDEN, CO 81639-1272
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2022 · Amount on Record
Deed Sale	Aug 1, 2022 · Amount on Record
Prior Sale	Mar 23, 2016 · Amount on Record
Deed Document Number	2022839680
Record Updated	Jun 8, 2026

August 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ROUTT CO
Recording Date	Aug 1, 2022
Property Address	434 CLOVER CIR, HAYDEN, CO 81639-5088
Document Number	0000839680
Map Reference	DOC 007835
Instrument Date	Jul 28, 2022
Instrument	839680
Transaction Type	Transfer
Record Updated	Aug 22, 2022
Title Company	TITLE COMPANY OF THE ROCKIES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$50.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 671, HAYDEN, CO 81639-0671

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2351 OXFORD WAY, STEAMBOAT SPRINGS, CO 80487-4991

Mortgage

Document Number	0000839681
Date	Aug 1, 2022
Instrument	839681

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

Mortgage

Document Number	0000839682
Date	Aug 1, 2022
Instrument	839682

Lender

Name	COLORADO HOUSING & FINANCE AUTHORITY
Type	Government Agency
Address	DENVER, CO 80202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

Tax Assessment & Valuation

Source: Routt County assessment roll, as of March 27, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Routt County
Municipality	Hayden Town
Unified School District	Hayden School District RE-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,997.00 (+18.92%)	$38,910 (+30.53%) Land $4,760 Building $34,150	$551,870 (+24.02%) Land $67,500 Building $484,370
2024	$3,361.00 (+0.84%)	$29,810 (-) Land $2,980 Building $26,830	$445,000 (-) Land $44,500 Building $400,500
2023	$3,333.00 (+22.36%)	$29,810 (+28.82%) Land $2,980 Building $26,830	$445,000 (+33.66%) Land $44,500 Building $400,500
2022	$2,724.00	$23,140 Land $2,020 Building $21,120	$332,940 Land $29,000 Building $303,940

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 November 26, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 84% of Colorado
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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	TOWN OF HAYDEN serves 3,982 people · EPA ID CO0154333
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	2 ppb (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	6 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 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Luminate Broadband Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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