448 S Pearl St, Denver, CO 80209 Property Records

Denver City property record for 448 S Pearl St, Denver, CO 80209

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,749 sqft · built 1893
Lot Size	0.072 acres (3,120 sqft)
Owner	2 Individual Names on File
Last Sale	$825,000 (Aug 2020)
Tax Bill	$5,472 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage May 2020 Mortgage + 2 more
APN	`05151-15-010-000`

Property Details

APN / Parcel Number

Primary APN	`05151-15-010-000`
Alternative APNs	`680415115010` `161354676`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,749 sqft Living Area
1st Floor Area	1,749 sqft
Upper Floors Area	735 sqft
Basement Area	142 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1893
Effective Year Built	Effective 2017
Architectural Style	Multi-Level
Exterior Material	Brick
Lot Area	3,120 sqft (0.072 acres)
Garage Type	Detached
Garage Area	530 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Frame Porch
Porch Area	169 sqft
Deck Area	365 sqft
Patio Area	365 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	448 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	L 13 BLK 109 BYERS EAST SUB
Legal Subdivision	BYERS EAST SUB
Legal Block	109
Legal Lot Number	13
Jurisdiction	DENVER CO
Township / Civil Division	DENVER
Census Block Group	1
Census Block	1006
Census Tract	2902

Owner

448 S Pearl St is owned and occupied by two individuals who bought it in August 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	448 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
Aug 20, 2020	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA
Jan 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage SMARTER MORTGAGES
Jan 18, 2017	Loan Modification, Mortgage · Line of Credit ZB NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 20, 2020 · Amount on File
Deed Sale	Aug 20, 2020 · Amount on File
Prior Sale	Nov 23, 2015 · Amount on File
Deed Document Number	2020131076
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DENVER CO
Recording Date	Aug 20, 2020
Property Address	448 S PEARL ST, DENVER, CO 80209-2022
Document Number	0000131076
Instrument Date	Aug 18, 2020
Instrument	2020131076
Transaction Type	Transfer
Record Updated	Apr 14, 2022
Title Company	LAND TITLE GUARANTEE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$82.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	448 S PEARL ST, DENVER, CO 80209-2022

Mortgage

Document Number	0000131077
Date	Aug 20, 2020
Instrument	2020131077

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENVER CO
Property Address	448 S PEARL ST, DENVER, CO 80209-2022
Document Number	0000089598
Instrument Date	May 20, 2020
Transaction Type	Mortgage
Record Updated	Jul 16, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	448 S PEARL ST DENVER CO 802092022, DENVER, CO 80209-2022

Mortgage

Document Number	0000089598
Date	Jun 29, 2020
Instrument	89598

Lender

Name	BANK OF AMERICA
Type	Bank
Address	DENVER, CO 80209-2022

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.75%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENVER CO
Property Address	448 S PEARL ST, DENVER, CO 80209-2022
Document Number	0000015147
Instrument Date	Jan 28, 2017
Transaction Type	Mortgage
Record Updated	Jan 8, 2019
Title Company	LAND TITLE GUARANTEE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	448 S PEARL ST DENVER CO 802092022, DENVER, CO 80209-2022

Mortgage

Document Number	0000015147
Date	Feb 3, 2017
Instrument	15147

Lender

Name	SMARTER MORTGAGES
Type	Mortgage Company
Address	DUBLIN, OH 43016

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 2, 2047

January 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	DENVER CO
Property Address	448 S PEARL ST, DENVER, CO 80209-2022
Document Number	0000011767
Instrument Date	Jan 18, 2017
Transaction Type	Mortgage
Record Updated	Feb 14, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	448 S PEARL ST DENVER CO 802092022, DENVER, CO 80209-2022

Mortgage

Document Number	0000011767
Date	Jan 27, 2017
Instrument	11767

Lender

Name	ZB NA
Address	SALT LAKE CITY, UT 84130-0160

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 448 S Pearl St was $5,472, up 7.2% from the year before.

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	$5,472.00 (+7.19%)	$71,540 (+10.98%) Land $27,570 Building $27,570	$1,014,800 Land $391,100 Building $623,700
2024	$5,105.00 (+2.22%)	$64,460 (-) Land $19,610 Building $44,850
2023	$4,994.00	$64,460 (+29.18%) Land $19,610 Building $44,850	$1,017,100 (+41.66%) Land $347,700 Building $669,400
2022		$49,900 Land $21,140 Building $28,760	$718,000 Land $304,200 Building $413,800
2021	$3,830.00

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 448 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 448 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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