Lincoln County property record for 48 Elm St, Arriba, CO 80804
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 1 ba · 1,902 sqft · built 1907 |
| Lot Size | 0.402 acres (17,511 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $198,000 (Jul 2025) |
| Tax Bill | $1,378 (2025) |
| Deeds & Mortgages | Aug 2012 Mortgage Jul 2025 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R001173 |
| Primary APN | R001173 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 1,902 sqft Total Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1907 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Siding |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 17,511 sqft (0.402 acres) |
| Lot Dimensions | 100 ft deep x 175 ft wide |
| Garage Type | Mixed |
| Garage Area | 1,130 sqft |
| Parking Spaces | 4 Parking Spaces |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | R001173 |
|---|---|
| Street Address | 48 ELM ST |
| City | ARRIBA |
| State | CO |
| Zip | 80804-8001 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TRACT 5 B (COMBINED TRS. 5A & 5B) NO MANS LAND ADDITION TO THE TOWN OF ARRIBA, CO. |
| Legal Subdivision | NO MANS LAND |
| Legal Tract | 5 |
| Jurisdiction | LINCOLN CO |
| Township / Civil Division | ARRIBA |
| Census Block Group | 2 |
| Census Block | 2442 |
| Census Tract | 961800 |
Source: Lincoln County records, as of March 3, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 48 ELM ST, ARRIBA, CO 80804-8001 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 21, 2012 | Deed of Trust, Mortgage · Conventional Mortgage DISCOVER HOME LOANS INC |
| Jul 7, 2025 | Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCING CORP |
| Oct 9, 2018 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS INC |
| Apr 5, 2013 | Intrafamily Transfer, Transfer |
| Dec 12, 2005 | Warranty Deed, Transfer · Conventional Mortgage COMMONWEALTH UNITED MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 7, 2025 · Amount on Record |
| Deed Sale | Jul 7, 2025 · Amount on Record |
| Prior Sale | Oct 9, 2018 · Amount on Record |
| Deed Document Number | 2025361589 |
| Prior Transfer Date | Jul 2, 2025 |
| Prior Transfer Doc | 0000361589 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN CO |
| Property Address | 48 ELM ST, ARRIBA, CO 80804-8001 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000339292 |
|---|---|
| Date | Aug 21, 2012 |
| Instrument | 339292 |
| Name | DISCOVER HOME LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 1, 2027 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN CO |
| Recording Date | Jul 7, 2025 |
| Property Address | 48 ELM ST, ARRIBA, CO 80804-8001 |
| Document Number | 0000361589 |
| Instrument Date | Jul 2, 2025 |
| Instrument | 361589 |
| Transaction Type | Transfer |
| Record Updated | Mar 3, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $19.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 48 ELM ST, ARRIBA, CO 80804-8001 |
| Document Number | 0000361590 |
|---|---|
| Date | Jul 7, 2025 |
| Instrument | 361590 |
| Name | AMERICAN FINANCING CORP |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN CO |
| Recording Date | Oct 9, 2018 |
| Property Address | 48 ELM ST, ARRIBA, CO 80804-8001 |
| Document Number | 0000350749 |
| Instrument Date | Oct 9, 2018 |
| Instrument | 350749 |
| Transaction Type | Transfer |
| Record Updated | Mar 3, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $11.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 48 ELM ST, ARRIBA, CO 80804-8001 |
| Document Number | 0000350750 |
|---|---|
| Date | Oct 9, 2018 |
| Instrument | 350750 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2048 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LINCOLN CO |
| Recording Date | Apr 5, 2013 |
| Property Address | 48 ELM ST, ARRIBA, CO 80804-8001 |
| Document Number | 0000340924 |
| Instrument Date | Apr 5, 2013 |
| Instrument | 340924 |
| Transaction Type | Transfer |
| Record Updated | Mar 3, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 74, ARRIBA, CO 80804-0074 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN CO |
| Recording Date | Dec 12, 2005 |
| Property Address | 48 ELM ST, ARRIBA, CO 80804-8001 |
| Document Number | 0000325352 |
| Instrument Date | Dec 9, 2005 |
| Instrument | 325352 |
| Transaction Type | Transfer |
| Record Updated | Mar 3, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $9.23 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 48 ELM ST, ARRIBA, CO 80804-8001 |
| Document Number | 0000325353 |
|---|---|
| Date | Dec 12, 2005 |
| Instrument | 325353 |
| Name | COMMONWEALTH UNITED MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2036 |
| Document Number | 0000325354 |
|---|---|
| Date | Dec 12, 2005 |
| Instrument | 325354 |
| Name | COMMONWEALTH UNITED MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | MIAMISBURG, OH 45342 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 1, 2021 |
Source: Lincoln County assessment roll, as of March 3, 2026
| Type | Name |
|---|---|
| State | Colorado |
| Municipality | Arriba Town |
| County | Lincoln County |
| Unified School District | Arriba-Flagler School District C-20 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,378.00 (+59.31%) | $15,137 (+69.05%) Land $684 Building $14,453 | $242,182 (+81.21%) Land $10,938 Building $231,244 |
| 2024 | $865.00 (+6.66%) | $8,954 (-) Land $332 Building $8,622 | $133,647 (-) Land $4,959 Building $128,688 |
| 2023 | $811.00 (-2.05%) | $8,954 (-8.76%) Land $332 Building $8,622 | $133,647 (-5.35%) Land $4,959 Building $128,688 |
| 2022 | $828.00 | $9,814 Land $487 Building $9,327 | $141,197 Land $7,000 Building $134,197 |
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.
Source: FEMA National Flood Hazard Layer, effective September 11, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF ARRIBA serves 216 people · EPA ID CO0137001 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Eastern Slope Rural Telephone Association Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Viaero Wireless Fixed Wireless | 150 / 40 |
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