440 S Pearl St, Denver, CO 80209 Property Records

Denver City property record for 440 S Pearl St, Denver, CO 80209

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,153 sqft · built 1893
Lot Size	0.108 acres (4,690 sqft)
Owner	Individual Name on File
Last Sale	$495,000 (Apr 2007)
Tax Bill	$6,201 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jun 2017 Second Mortgage + 2 more
APN	`05151-15-008-000`

Property Details

APN / Parcel Number

Primary APN	`05151-15-008-000`
Alternative APNs	`680415115008` `161354650`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,153 sqft Living Area
Gross Area	1,823 sqft
1st Floor Area	923 sqft
Basement Area	363 sqft
Finished Basement	330 sqft
Unfinished Basement	33 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1893
Effective Year Built	Effective 2004
Architectural Style	Bi-Level
Exterior Material	Brick
Lot Area	4,690 sqft (0.108 acres)
Garage Type	Detached
Garage Area	528 sqft
Porch	Open Frame Porch
Porch Area	56 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	440 S PEARL ST
City	DENVER
State	CO
Zip	80209-2022
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	U-SU-B
Legal Description	LOT 10 & NORTH 1/2 OF LOT 11 BLK 109 BYERS EAST SUB
Legal Subdivision	BYERS EAST SUB
Legal Block	109
Legal Lot Number	10,11
Jurisdiction	DENVER CO
Township / Civil Division	DENVER
Census Block Group	1
Census Block	1006
Census Tract	2902

Owner

440 S Pearl St is owned and occupied by an individual who bought it in April 2007.

Source: Denver City records, as of May 29, 2026

Owner of Record	Individual Name on File
Mailing Address	440 S PEARL ST, DENVER, CO 80209-2022
Occupancy	Owner Occupied
Owner Type	Individual

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
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jun 26, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage US BANK NA
Jun 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Mar 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2007 · Amount on File
Deed Sale	Apr 6, 2007 · Amount on File
Prior Sale	Mar 11, 2006 · Amount on File
Deed Document Number	200755514
Prior Transfer Date	Jul 20, 1988
Prior Transfer Doc	0000124208
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENVER CO
Property Address	440 S PEARL ST, DENVER, CO 80209-2022
Transaction Type	Mortgage
Record Updated	Mar 17, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000052117
Date	Mar 19, 2021
Instrument	2021052117

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENVER CO
Property Address	440 S PEARL ST, DENVER, CO 80209-2022
Transaction Type	Mortgage
Record Updated	Sep 17, 2021
Title Company	LAND TITLE GUARANTEE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000083459
Date	Jun 26, 2017
Instrument	2017083459

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENVER CO
Property Address	440 S PEARL ST, DENVER, CO 80209-2022
Transaction Type	Mortgage
Record Updated	Sep 17, 2021
Title Company	LAND TITLE GUARANTEE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000083458
Date	Jun 26, 2017
Instrument	2017083458

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENVER CO
Property Address	440 S PEARL ST, DENVER, CO 80209-2022
Transaction Type	Mortgage
Record Updated	Sep 17, 2021
Title Company	LAND TITLE GUARANTEE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031268
Date	Mar 3, 2020
Instrument	2020031268

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 440 S Pearl St was $6,201.

Source: Denver City assessment roll, as of May 29, 2026

Property Jurisdictions

Type	Name
State	Colorado
County / Municipality	Denver City
Unified School District	Denver County School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,201.00	$81,070 Land $43,560 Building $43,560	$1,149,900 Land $617,900 Building $532,000
2023	$4,928.00	$63,600 (+30.89%) Land $33,120 Building $30,480	$1,004,200 (+43.64%) Land $549,300 Building $454,900
2022		$48,590 Land $33,400 Building $15,190	$699,100 Land $480,600 Building $218,500
2021	$3,729.00

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 has no flood map on file for 440 S Pearl St; 3 flood insurance policies are in force nearby.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 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

The area around 440 S Pearl St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	DENVER WATER BOARD serves 1,287,000 people · EPA ID CO0116001
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	33 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 1,065 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
CenturyLink Fiber	2,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
LiveWireNet Fixed Wireless	250 / 100
AT&T Fixed Wireless	100 / 20

May also be available: Aerux Broadband, Google Fiber, Starry, WiFiHood.

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