4431 Trader St, Timnath, CO 80547 Property Records

Larimer County property record for 4431 Trader St, Timnath, CO 80547

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,988 sqft · built 2024
Lot Size	0.134 acres (5,842 sqft)
Owner	Individual Name on File
Last Sale	$567,690 (Jul 2025)
Tax Bill	$5,656 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`87353-34-019`

Property Details

APN / Parcel Number

Primary APN	`87353-34-019`
Alternative APN	`R1678326`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	1,988 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,842 sqft (0.134 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	185 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R1678326
Street Address	4431 TRADER ST
City	TIMNATH
State	CO
Zip	80547-4531
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 19, BLOCK 10, TIMNATH LANDING FILING NO 3, TIM (20210107364)
Legal Subdivision	TIMNATH LANDING FILING NO 3 (20210107364
Legal Block	10
Legal Lot Number	19
Jurisdiction	LARIMER CO
Township / Civil Division	TIMNATH-WELLINGTON
Census Block Group	2
Census Block	2050
Census Tract	2506

Owner

4431 Trader St is owned and occupied by an individual who bought it in July 2025.

Source: Larimer County records, as of February 2, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4431 TRADER ST, TIMNATH, CO 80547-4531
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2025 · Amount on File
Deed Sale	Jul 1, 2025 · Amount on File
Deed Document Number	20250029704
Record Updated	Jun 8, 2026

July 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Jul 1, 2025
Property Address	4431 TRADER ST, TIMNATH, CO 80547-4531
Document Number	0000029704
Map Reference	DOC 20210107364
Instrument Date	Jun 30, 2025
Instrument	20250029704
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	PARKWAY TITLE INC, PARKWAY TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$56.77
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8390 E CRESCENT PKWY STE 650, 650, GREENWOOD VILLAGE, CO 80111-2940

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4431 TRADER ST, TIMNATH, CO 80547-4531

Mortgage

Document Number	0000029705
Date	Jul 1, 2025
Instrument	20250029705

Lender

Name	INSPIRE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 7, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 4431 Trader St was $5,656.

Source: Larimer County assessment roll, as of August 25, 2025

Property Jurisdictions

Type	Name
State	Colorado
County	Larimer County
Municipality	Timnath Town
Unified School District	Poudre School District R-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,656.00	$31,256 Land $9,206 Building $22,050	$500,100 Land $147,300 Building $352,800
2023	$1,788.00 (+59,5%)	$11,690 (+48,608.33%) Land $11,690	$41,900 (+46,455.56%) Land $41,900
2022	$3.00	$24 Land $24	$90 Land $90

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4431 Trader St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 30, 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
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	5 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 4431 Trader St is moderate, ranking above 46% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 71% of Colorado
Wildfire Likelihood	0.09% 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	FT COLLINS LOVELAND WD serves 63,532 people · EPA ID CO0135292
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2023
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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
LightGig Communications Fiber	10,000 / 10,000
Xfinity Cable	2,000 / 250
Vistabeam Fixed Wireless	500 / 80
Verizon Fixed Wireless	300 / 20
Rise Broadband Fixed Wireless	100 / 20