450 Lake Dr, Lyons, CO 80540 Property Records

Larimer County property record for 450 Lake Dr, Lyons, CO 80540

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.75 ba · 5,004 sqft · built 1993
Lot Size	24.7 acres (1,078,981 sqft)
Owner	Company Name on Record
Last Sale	$2,825,000 (Mar 2022)
Tax Bill	$16,041 (2025)
Deeds & Mortgages	Sep 2022 Transfer Mar 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`14362-08-720`

Property Details

APN / Parcel Number

Primary APN	`14362-08-720`
Alternative APN	`R1597935`

Interior

Bedrooms	4 Beds
Full Baths	4.75 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	5,004 sqft Gross Area
Upper Floors Area	749 sqft
Basement Area	337 sqft
Finished Basement	337 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2019
Architectural Style	Bi-Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	1,078,981 sqft (24.7 acres)
View / Lot	Lake/Pond
Garage Type	Attached
Garage Area	956 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Open Slab
Porch Area	660 sqft
Deck Area	72 sqft
Patio Area	664 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	R1597935
Street Address	450 LAKE DR
City	LYONS
State	CO
Zip	80540-8323
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	O
Legal Description	LOT 2, AMENDED PLAT OF THE COLARD MRD NO S-118-91 (2000040090)
Legal Range	71W
Legal Township	4N
Legal Section	36
Legal Subdivision	COLARD MRD NO S-118-91, AMENDED PLAT
Legal Tract	A
Legal Lot Number	2
Jurisdiction	LARIMER CO
Township / Civil Division	ESTES PARK
Census Block Group	1
Census Block	1058
Census Tract	1905

Owner

Source: Larimer County records, as of February 9, 2026

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

Owner of Record	Company Name on Record
Mailing Address	1531 WILLOWDALE DR, SAN JOSE, CA 95118-1344
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2022	Intrafamily Transfer, Transfer
Mar 16, 2022	Special Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 22, 2019	Deed of Trust, Mortgage · Commercial Mortgage COMMUNITY BANKS OF COLORADO
Mar 21, 2019	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
May 1, 2019	Deed of Trust, Mortgage · Line of Credit BOK FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2022 · Amount on Record
Deed Sale	Mar 16, 2022 · Amount on Record
Prior Sale	Jul 16, 2015 · Amount on Record
Deed Document Number	202217324
Last Transfer Date	Mar 30, 2023
Transfer Doc	0000012791
Record Updated	Sep 20, 2026

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LARIMER CO
Recording Date	Sep 27, 2022
Property Address	450 LAKE DR, LYONS, CO 80540-8323
Document Number	0000058648
Map Reference	DOC 2000040090
Instrument Date	Sep 27, 2022
Instrument	20220058648
Transaction Type	Transfer
Record Updated	Jun 7, 2023

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
Relationship	Revocable Trust
Address	1531 WILLOWDALE DR, SAN JOSE, CA 95118-1344

March 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Mar 16, 2022
Property Address	450 LAKE DR, LYONS, CO 80540-8323
Document Number	0000017324
Map Reference	DOC 2000040090
Instrument Date	Mar 15, 2022
Instrument	20220017324
Transaction Type	Transfer
Record Updated	Mar 22, 2022
Title Company	GUARDIAN LAND TITLE, GUARDIAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$282.50
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 with Right of Survivorship
Address	1531 WILLOWDALE DR, SAN JOSE, CA 95118-1344

Mortgage

Document Number	0000017325
Date	Mar 16, 2022
Instrument	20220017325

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	450 LAKE DR, LYONS, CO 80540-8323
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049702
Date	Aug 22, 2019
Instrument	20190049702

Lender

Name	COMMUNITY BANKS OF COLORADO
Type	Bank
Address	ENGLEWOOD, CO 80111

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	450 LAKE DR, LYONS, CO 80540-8323
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013878
Date	Mar 21, 2019
Instrument	20190013878

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 8, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	450 LAKE DR, LYONS, CO 80540-8323
Document Number	0000045477
Instrument Date	May 1, 2019
Transaction Type	Mortgage
Record Updated	Aug 15, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	450 LAKE DR LYONS CO 805408323, LYONS, CO 80540-8323

Mortgage

Document Number	0000045477
Date	Aug 7, 2019
Instrument	45477

Lender

Name	BOK FIN'L
Address	1600 BROADWAY, DENVER, CO 80202-4927

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Larimer County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Larimer County
Unified School District	St. Vrain Valley School District RE 1J (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$16,041.00 (+3.6%)	$135,810 (-10.7%) Land $1,928 Building $133,882	$2,042,340 (-4.47%) Land $7,140 Building $2,035,200
2024	$15,484.00 (+0.91%)
2023	$15,344.00 (+71.08%)	$152,084 (+76.18%) Land $1,927 Building $150,157	$2,137,900 (+89.08%) Land $7,300 Building $2,130,600
2022	$8,969.00	$86,323 Land $1,872 Building $84,451	$1,130,690 Land $7,090 Building $1,123,600

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

Flood

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 5 (25% premium discount)
Nearby Flood Policies	2 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	Very High above 92% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
xBar7 Communications Fixed Wireless	200 / 200
Lyons Communications Fixed Wireless · not low latency	200 / 30
Rise Broadband Fixed Wireless	50 / 10

Cell Coverage

4G LTE (outdoors only), no 5G reported

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