481 Centennial Cir, Sterling, CO 80751 Property Records

Logan County property record for 481 Centennial Cir, Sterling, CO 80751

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,809 sqft · built 1982
Lot Size	0.266 acres (11,587 sqft)
Owner	Individual on Record
Last Sale	$445,000 (Apr 2024)
Tax Bill	$2,407 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Apr 2024 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`38052528216009`

Property Details

APN / Parcel Number

Primary APN	`38052528216009`
Alternative APN	`4198000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,809 sqft Heated Area
1st Floor Area	1,073 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1991
Architectural Style	Traditional
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	11,587 sqft (0.266 acres)
Lot Dimensions	135 ft deep x 86 ft wide
Garage Type	Built-in
Garage Area	702 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	240 sqft
Patio Area	422 sqft
Balcony Area	200 sqft
Utility Building	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	4198000
Street Address	481 CENTENNIAL CIR
City	STERLING
State	CO
Zip	80751-2301
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 W-Y-W SUBD OF BLK 24 CHARMONY ADDN 5TH FILING; STERLING
Legal Range	52W
Legal Township	08N
Legal Section	28
Legal Subdivision	W-Y-W SUBD
Legal Block	24
Legal Lot Number	9
Jurisdiction	LOGAN CO
Township / Civil Division	STERLING
Census Block Group	1
Census Block	1038
Census Tract	966200

Owner

Source: Logan County assessment roll, as of May 14, 2026

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

Owner of Record	Individual on Record
Mailing Address	481 CENTENNIAL CIR, STERLING, CO 80751-2301
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2024	Deed of Trust, Mortgage · Commercial Mortgage BANK OF COLORADO
Apr 1, 2024	Warranty Deed, Transfer · Commercial Mortgage ADAMS BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2024 · Amount on Record
Deed Sale	Apr 1, 2024 · Amount on Record
Deed Document Number	2024770313
Deed Book / Page	1058 / 515
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOGAN CO
Property Address	481 CENTENNIAL CIR, STERLING, CO 80751-2301
Transaction Type	Mortgage
Record Updated	May 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	481 CENTENNIAL CIR, STERLING, CO 80751-2301

Mortgage

Document Number	0000769459
Date	Jan 19, 2024
Book Page	1057/661
Instrument	769459

Lender

Name	BANK OF COLORADO
Type	Bank
Address	STERLING, CO 80751

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

Interest

Rate Type	Adjustable Rate

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOGAN CO
Recording Date	Apr 1, 2024
Property Address	481 CENTENNIAL CIR, STERLING, CO 80751-2301
Document Number	0000770313
Book / Page	1058 / 515
Instrument Date	Mar 29, 2024
Instrument	770313
Transaction Type	Transfer
Record Updated	May 14, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$44.50
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
Address	481 CENTENNIAL CIR, STERLING, CO 80751-2301

Mortgage

Document Number	0000770314
Date	Apr 1, 2024
Instrument	770314

Lender

Name	ADAMS BANK & TRUST
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Mar 29, 2025

Tax Assessment & Valuation

Source: Logan County assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Logan County
Municipality	Sterling City
Unified School District	Valley School District RE-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,407.00 (+37.54%)	$28,715 (-90.61%)	$459,434 (+50.2%) Land $46,428 Building $413,006
2023		$305,890 (+1,338.81%) Land $40,040 Building $265,850	$305,890 (-) Land $40,040 Building $265,850
2022	$1,750.00	$21,260 Land $2,780 Building $18,480	$305,890 Land $40,040 Building $265,850

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 29, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	6 (1997–2013)
Most Recent Claim	Sep 2013 · Severe Storms, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Flooding, Landslides, And Mudslides, Sep 2013 · 5 claims

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	None beyond 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	CITY OF STERLING serves 15,100 people · EPA ID CO0138045
Water Source	Groundwater influenced by surface water
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2023–2025) 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 388 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
ElektraFi Fixed Wireless	400 / 80
Verizon Fixed Wireless	300 / 20

May also be available: Kentec Communications, Vistabeam.

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