486 S Pearl St, Denver, CO 80209 Property Records

Denver City property record for 486 S Pearl St, Denver, CO 80209

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,523 sqft · built 1890
Lot Size	0.108 acres (4,690 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,293 (2025)
Deeds & Mortgages	May 2026 Line of Credit Apr 2024 Line of Credit + 2 more
APN	`05151-15-018-000`

Property Details

APN / Parcel Number

Primary APN	`05151-15-018-000`
Alternative APNs	`680415115018` `161354757`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,523 sqft Living Area
1st Floor Area	1,248 sqft
Basement Area	207 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1927
Architectural Style	Bi-Level
Exterior Material	Combination
Construction Type	Frame
Lot Area	4,690 sqft (0.108 acres)
Garage Type	Detached
Garage Area	546 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Enclosed/Unfinished Frame Porch
Porch Area	52 sqft
Patio Area	77 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	486 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 22 & N1/2 OF L 23 BLK 109 BYERS EAST SUB
Legal Subdivision	BYERS EAST SUB
Legal Block	109
Legal Lot Number	22,23
Jurisdiction	DENVER CO
Township / Civil Division	DENVER
Census Block Group	1
Census Block	1006
Census Tract	2902

Owner

486 S Pearl St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	486 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
May 29, 2026	Deed of Trust, Mortgage · Line of Credit U S BANK N A
Apr 17, 2024	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jul 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Feb 19, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENVER CO
Recording Date	May 29, 2026
Property Address	486 S PEARL ST, DENVER, CO 80209-2022
Document Number	0000068077
Instrument Date	May 11, 2026
Instrument	202668077
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	486 S PEARL ST, DENVER, CO 80209-2022

Mortgage

Document Number	0000068077,
Date	May 29, 2026
Instrument	202668077

Lender

Name	U S BANK N A

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 19, 2056

Interest

Rate	6.37%
Max Rate	-1%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENVER CO
Property Address	486 S PEARL ST, DENVER, CO 80209-2022
Transaction Type	Mortgage
Record Updated	Mar 17, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	486 S PEARL ST, DENVER, CO 80209-2022

Mortgage

Document Number	0000034458
Date	Apr 17, 2024
Instrument	2024034458

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 7, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENVER CO
Property Address	486 S PEARL ST, DENVER, CO 80209-2022
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	486 S PEARL ST, DENVER, CO 80209-2022

Mortgage

Document Number	0000137643
Date	Jul 22, 2021
Instrument	2021137643

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2036

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENVER CO
Property Address	486 S PEARL ST, DENVER, CO 80209-2022
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019292
Date	Feb 19, 2019
Instrument	2019019292

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 15, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 486 S Pearl St was $5,293.

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	$5,293.00	$76,240 Land $43,560 Building $43,560	$1,081,400 Land $617,900 Building $463,500
2023	$5,207.00	$73,910 (+30.98%) Land $33,120 Building $40,790	$1,158,100 (+42.62%) Land $549,300 Building $608,800
2022		$56,430 Land $33,400 Building $23,030	$812,000 Land $480,600 Building $331,400
2021	$4,332.00

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 486 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 486 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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