44 Lost Lake Cir, Divide, CO 80814 Property Records

Teller County property record for 44 Lost Lake Cir, Divide, CO 80814

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.25 ba · 1,980 sqft · built 2018
Lot Size	1.02 acres (44,431 sqft)
Owner	2 Individual Names on File
Last Sale	$495,000 (Nov 2025)
Tax Bill	$2,452 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3145.042040090`

Property Details

APN / Parcel Number

Primary APN	`3145.042040090`
Alternative APN	`R0017473`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,980 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	44,431 sqft (1.02 acres)
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	566 sqft
Deck Area	144 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	R0017473
Street Address	44 LOST LAKE CIR
City	DIVIDE
State	CO
Zip	80814-9717
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	L8 B2 HIGHLAND LAKES 1-2
Legal Range	70W
Legal Township	13S
Legal Section	04
Legal Subdivision	HIGHLAND LAKES
Legal Block	2
Legal Lot Number	8
Jurisdiction	TELLER CO
Township / Civil Division	DIVIDE
Census Block Group	1
Census Block	1019
Census Tract	10112

Owner

44 Lost Lake Cir is owned and occupied by two individuals who bought it in November 2025.

Source: Teller County records, as of April 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	44 LOST LAKE CIR, DIVIDE, CO 80814-9717
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2025	Warranty Deed, Transfer · Conventional Mortgage NFM LENDING
Apr 20, 2020	Deed of Trust, Mortgage LOAN SIMPLE INC
Apr 3, 2019	Warranty Deed, Transfer · Conventional with PMI LOAN SIMPLE INC
Mar 27, 2018	Warranty Deed, Transfer HERITAGE TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2025 · Amount on File
Deed Sale	Nov 12, 2025 · Amount on File
Prior Sale	Apr 3, 2019 · Amount on File
Deed Document Number	2025777398
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TELLER CO
Recording Date	Nov 12, 2025
Property Address	44 LOST LAKE CIR, DIVIDE, CO 80814-9717
Document Number	0000777398
Instrument Date	Oct 10, 2025
Instrument	777398
Transaction Type	Transfer
Record Updated	Nov 26, 2025
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$49.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	44 LOST LAKE CIR, DIVIDE, CO 80814-9717

Mortgage

Document Number	0000777399
Date	Nov 12, 2025
Instrument	777399

Lender

Name	NFM LENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2055

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TELLER CO
Property Address	44 LOST LAKE CIR, DIVIDE, CO 80814-9717
Document Number	0000724988
Instrument Date	Apr 20, 2020
Transaction Type	Mortgage
Record Updated	Jul 1, 2020
Title Company	COMMERCE TITLE COMPANY, COMMERCE TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 LOST LAKE CIR DIVIDE CO 808149717, DIVIDE, CO 80814-9717

Mortgage

Document Number	0000724988
Date	Apr 27, 2020
Instrument	724988

Lender

Name	LOAN SIMPLE INC
Type	Funding / Finance Company
Address	ENGLEWOOD, CO 80112

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 26, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TELLER CO
Recording Date	Apr 3, 2019
Property Address	44 LOST LAKE CIR, DIVIDE, CO 80814-9717
Document Number	0000714738
Instrument Date	Apr 1, 2019
Instrument	714738
Transaction Type	Transfer
Record Updated	Apr 15, 2019
Title Company	ASCENDANT TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$40.80
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	44 LOST LAKE CIR DIVIDE CO 80814, DIVIDE, CO 80814

Mortgage

Document Number	714739
Date	Apr 3, 2019
Instrument	714739

Lender

Name	LOAN SIMPLE INC
Type	Funding / Finance Company
Address	ENGLEWOOD, CO 80112

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 2, 2049

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TELLER CO
Recording Date	Mar 27, 2018
Property Address	44 LOST LAKE CIR, DIVIDE, CO 80814-9717
Document Number	0000705583
Instrument Date	Mar 26, 2018
Instrument	705583
Transaction Type	Transfer
Record Updated	Apr 9, 2018
Title Company	HERITAGE TITLE COMPANY

Transaction

Amount	Amount on Record
Tax	$2.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	425 HIDDEN VALLEY RD COLORADO SPRINGS CO 809192732, COLORADO SPRINGS, CO 80919-2732

Tax Assessment & Valuation

The 2025 property tax bill for 44 Lost Lake Cir was $2,452, up 13.2% from the year before.

Source: Teller County assessment roll, as of April 16, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Teller County
Unified School District	Woodland Park School District RE-2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,452.00 (+13.15%)	$34,160 (+7.15%) Land $2,144 Building $32,016
2024	$2,167.00 (+4.99%)	$31,880 (-) Land $1,946 Building $29,934	$546,704 (+3%) Land $34,319 Building $512,385
2023	$2,064.00 (+6.89%)	$31,880 (+3.41%) Land $1,950 Building $29,930	$530,791 (+19.69%) Land $32,395 Building $498,396
2022	$1,931.00	$30,830 Land $1,210 Building $29,620	$443,468 Land $17,344 Building $426,124

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 44 Lost Lake Cir in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 18, 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
Nearby Flood Policies	1 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

Wildfire risk around 44 Lost Lake Cir is very high, ranking above 93% of the US, with a 1% annual chance of wildfire.

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

Wildfire Risk	Very High above 93% of the US · above 96% of Colorado
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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	HIGHLAND LAKES WD serves 875 people · EPA ID CO0160200
Water Source	Groundwater influenced by surface water
Last State Inspection	Jun 2023
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Apr 2026 Failure to filter resolved · Mar 2023 Treatment failure resolved · Dec 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	13 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
CenturyLink DSL	40 / 3

May also be available: AT&T, Verizon, Vero Fiber.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Lost Lake Cir

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