45 Protector Pl, Breckenridge, CO 80424 Property Records

Summit County property record for 45 Protector Pl, Breckenridge, CO 80424

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,500 sqft · built 1997
Lot Size	0.46 acres (20,037 sqft)
Owner	2 Individual Names on File
Last Sale	$1,575,000 (Sep 2023)
Tax Bill	$6,710 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Jul 2024 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`2209-2520-14-006`

Property Details

APN / Parcel Number

Primary APN	`2209-2520-14-006`
Alternative APN	`200048`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,500 sqft Living Area
Gross Area	4,342 sqft
1st Floor Area	1,917 sqft
Basement Area	1,925 sqft
Finished Basement	1,583 sqft
Unfinished Basement	342 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,037 sqft (0.46 acres)
Terrain	Steep
View / Lot	Average
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	45 PROTECTOR PL
City	BRECKENRIDGE
State	CO
Zip	80424
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	LOT 63 PEAK SEVEN WEST SUB
Legal Subdivision	PEAK SEVEN WEST SUB
Legal Lot Number	63
Jurisdiction	SUMMIT CO
Township / Civil Division	BRECKENRIDGE
Census Block Group	1
Census Block	1017
Census Tract	406

Owner

Source: Summit County assessment roll, as of June 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	2195 VILLAGEVIEW LN, CASTLE ROCK, CO 80104-7608
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2025	Deed of Trust, Mortgage · Conventional Mortgage V I P MORTGAGE INC
Jul 29, 2024	Deed of Trust, Mortgage · Line of Credit SECURITY SERVICE FCU
Sep 8, 2023	Special Warranty Deed, Transfer · Conventional Mortgage V I P MORTGAGE INC
May 10, 2022	Beneficiary Deed, Transfer
Apr 29, 2016	Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 8, 2023 · Amount on Record
Deed Sale	Sep 8, 2023 · Amount on Record
Prior Sale	Apr 29, 2016 · Amount on Record
Deed Document Number	20231317193
Prior Transfer Date	May 9, 2022
Prior Transfer Doc	0001288444
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMMIT CO
Property Address	45 PROTECTOR PL, BRECKENRIDGE, CO 80424
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 PROTECTOR PL, BRECKENRIDGE, CO 80424

Mortgage

Document Number	0001360131
Date	Sep 26, 2025
Instrument	1360131

Lender

Name	V I P MORTGAGE INC
Type	Mortgage Company
Address	DENVER, CO 80211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.5%
Index	SOFR Average 30-Day
Max Rate	10.5%

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMMIT CO
Property Address	45 PROTECTOR PL, BRECKENRIDGE, CO 80424
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	SECURITY SERVICES TITLE COMPANY, SECURITY SERVICES TTL CO INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001334563
Date	Jul 29, 2024
Instrument	1334563

Lender

Name	SECURITY SERVICE FCU
Type	Credit Union
Address	SAN ANTONIO, TX 78249

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Aug 1, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SUMMIT CO
Recording Date	Sep 8, 2023
Property Address	45 PROTECTOR PL, BRECKENRIDGE, CO 80424
Document Number	0001317193
Map Reference	DOC 116343
Instrument Date	Sep 5, 2023
Instrument	1317193
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	LAND TITLE GUARANTEE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$157.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 627, BRECKENRIDGE, CO 80424-0605

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2195 VILLAGEVIEW LN, CASTLE ROCK, CO 80104-7608

Mortgage

Document Number	0001317194
Date	Sep 8, 2023
Instrument	1317194

Lender

Name	V I P MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Mortgage

Document Number	0001317195
Date	Sep 8, 2023
Instrument	1317195

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	SUMMIT CO
Recording Date	May 10, 2022
Property Address	45 PROTECTOR PL, BRECKENRIDGE, CO 80424
Document Number	0001288444
Map Reference	DOC 116343
Instrument Date	May 9, 2022
Instrument	1288444
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 627, BRECKENRIDGE, CO 80424-0605

April 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMMIT CO
Recording Date	Apr 29, 2016
Property Address	45 PROTECTOR PL, BRECKENRIDGE, CO 80424
Document Number	0001110085
Map Reference	DOC116343
Instrument Date	Apr 29, 2016
Instrument	1110085
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 627, BRECKENRIDGE, CO 80424-0605

Tax Assessment & Valuation

Source: Summit County assessment roll, as of June 16, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Summit County
Unified School District	Summit School District RE-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,710.00 (+26.25%)	$132,851 (+20.82%)	$1,953,700 (+19.04%) Land $359,400 Building $1,594,300
2024	$5,315.00 (-1.74%)	$109,960 (-)
2023	$5,409.00 (+43.74%)	$109,960 (+53.58%)	$1,641,200 (+59.31%) Land $369,300 Building $1,271,900
2022	$3,763.00	$71,599	$1,030,200 Land $215,300 Building $814,900

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 May 12, 2024 · 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 91% of Colorado
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF BRECKENRIDGE serves 28,315 people · EPA ID CO0159020
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Aug 2022
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 161 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Allo Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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