Fremont County property record for 490 K St, Penrose, CO 81240
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,176 sqft · built 1960 |
| Lot Size | 1.3 acres (56,628 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,174 (2025) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Dec 2020 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R031943 |
| Primary APN | R031943 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,176 sqft Living Area |
| Gross Area | 1,560 sqft |
| 1st Floor Area | 1,176 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 56,628 sqft (1.3 acres) |
| Garage Type | Attached |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 206 sqft |
| Patio Area | 120 sqft |
| Shed | 1 Shed |
| Shed Area | 144 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | R031943 |
|---|---|
| Street Address | 490 K ST |
| City | PENROSE |
| State | CO |
| Zip | 81240-9756 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 BRADFORD A BLA REF FROM 690-00-810/690-06-550 |
| Legal Subdivision | BRADFORD BLA |
| Legal Lot Number | 2 |
| Jurisdiction | FREMONT CO |
| Township / Civil Division | PENROSE-PORTLAND |
| Census Block Group | 1 |
| Census Block | 1057 |
| Census Tract | 978100 |
490 K St is owned and occupied by two individuals.
Source: Fremont County records, as of August 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 490 K ST, PENROSE, CO 81240-9756 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 24, 2025 | Special Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Dec 3, 2020 | Grant Deed, Transfer NOT AVAILABLE |
| Nov 24, 2020 | Special Warranty Deed, Transfer · VA Mortgage CHERRY CREEK MORTGAGE CO INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | FREMONT CO |
| Recording Date | Sep 24, 2025 |
| Property Address | 490 K ST, PENROSE, CO 81240-9756 |
| Document Number | 0001049300 |
| Instrument Date | Sep 23, 2025 |
| Instrument | 1049300 |
| Transaction Type | Transfer |
| Record Updated | Oct 6, 2025 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $32.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 490 K ST, PENROSE, CO 81240-9756 |
| Document Number | 0001049301 |
|---|---|
| Date | Sep 24, 2025 |
| Instrument | 1049301 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Adjustable | Adjustable Rate Rider |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FREMONT CO |
| Recording Date | Dec 3, 2020 |
| Property Address | 490 K ST, PENROSE, CO 81240-9756 |
| Document Number | 0000993903 |
| Instrument Date | Nov 20, 2020 |
| Instrument | 993903 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2021 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 490 K ST PENROSE CO 812409756, PENROSE, CO 81240-9756 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | FREMONT CO |
| Recording Date | Nov 24, 2020 |
| Property Address | 490 K ST, PENROSE, CO 81240-9756 |
| Document Number | 0000993562 |
| Instrument Date | Nov 12, 2020 |
| Instrument | 993562 |
| Transaction Type | Transfer |
| Record Updated | Mar 31, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $22.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 490 K ST, PENROSE, CO 81240-9756 |
| Document Number | 0000993563 |
|---|---|
| Date | Nov 24, 2020 |
| Instrument | 993563 |
| Name | CHERRY CREEK MORTGAGE CO INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Number | 0000993564 |
|---|---|
| Date | Nov 24, 2020 |
| Instrument | 993564 |
| Name | COLORADO HOUSING & FINANCE AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | DENVER, CO 80202 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2050 |
The 2025 property tax bill for 490 K St was $1,174, up 27.5% from the year before.
Source: Fremont County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Fremont County |
| Unified School District | Fremont RE-2 (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,174.00 (+27.47%) | $15,778 (-4.52%) | $252,445 |
| 2024 | $921.00 (+1.66%) | $16,525 (+32.15%) | |
| 2023 | $906.00 (-1.41%) | $12,505 (-0.83%) | $246,645 (+35.94%) |
| 2022 | $919.00 | $12,610 | $181,436 |
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.
FEMA maps place 490 K St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 23, 2022 · 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 9 (5% premium discount) |
| 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 risk around 490 K St is moderate, ranking above 60% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 60% of the US · above 48% of Colorado |
|---|---|
| Wildfire Likelihood | 0.1% 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 | PENROSE WD serves 3,149 people · EPA ID CO0122700 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | Treatment failure resolved · Jul 2019 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| SECOM Fixed Wireless | 300 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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