551 Elk Cir, Dillon, CO 80435 Property Records

Summit County property record for 551 Elk Cir, Dillon, CO 80435

Property Summary

Property Type	Single Family Home
Details	4 bd · 6.75 ba · 4,284 sqft · built 2008
Lot Size	0.195 acres (8,508 sqft)
Owner	Individual Name on Record
Last Sale	$1,436,000 (Oct 2019)
Tax Bill	$9,995 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Jun 2008 Construction Loan + 10 more
Flood Zone	Zone X (minimal risk)
APN	`2095-2240-08-012`

Property Details

APN / Parcel Number

Primary APN	`2095-2240-08-012`
Alternative APN	`6503190`

Interior

Bedrooms	4 Beds
Full Baths	6.75 Baths
Half Baths	4 Half Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	4,284 sqft Living Area
Gross Area	4,927 sqft
1st Floor Area	2,310 sqft
Basement Area	1,974 sqft
Finished Basement	1,974 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Tri-Level
Exterior Material	Wood Siding
Roof Type	Hip
Roof Material	Asphalt
Lot Area	8,508 sqft (0.195 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	643 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	551 ELK CIR
City	KEYSTONE
State	CO
Zip	80435-7882
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CPUD
Legal Description	LOT 9 OLD KEYSTONE GOLF COURSE SUB AKA ELK RUN AT KEYSTONE RIVER COURSE
Legal Subdivision	OLD KEYSTONE GOLF COURSE SUB
Legal Lot Number	9
Jurisdiction	SUMMIT CO
Township / Civil Division	BRECKENRIDGE
Census Block Group	1
Census Block	1038
Census Tract	201

Owner

Source: Summit County records, as of June 16, 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	2129 N TOWNE LN NE, B, CEDAR RAPIDS, IA 52402-1968
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage MONICA FAYE BUSSE
Jun 10, 2008	Deed of Trust, Mortgage · Construction Mortgage MILLENNIUM BANK
May 7, 2015	Deed of Trust, Mortgage · Line of Credit COLORADO BUSINESS BANK
Jan 22, 2007	Deed of Trust, Mortgage FIRSTBANK OF SILVERTHORNE
Oct 28, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage GRACE MICHELE BUSSE
Oct 28, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage ANNA MARY BUSSE
Oct 28, 2019	Deed of Trust, Mortgage · Stand-Alone First Mortgage ANNA MARY BUSSE
Oct 28, 2019	Warranty Deed, Transfer LAVEM AND AUDREY BUSSE DYNASTY TRUS
Oct 28, 2019	Warranty Deed, Transfer LAVEM AND AUDREY BUSSE DYNASTY TRUS
Oct 5, 2011	Warranty Deed, Transfer · Conventional Mortgage COLORADO STATE BANK & TRUST
Jan 22, 2010	Quit Claim Deed, Transfer · Stand-Alone Second Mortgage WELLS FARGO BANK NA
Nov 20, 2007	Warranty Deed, Transfer · Line of Credit THE PUEBLO BANK & TRUST COMPANY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2019 · Amount on Record
Deed Sale	Oct 28, 2019 · Amount on Record
Prior Sale	Oct 5, 2011 · Amount on Record
Deed Document Number	20191211779
Record Updated	Sep 20, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMMIT CO
Property Address	551 ELK CIR, DILLON, CO 80435-7882
Transaction Type	Mortgage
Record Updated	Mar 3, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001211787
Date	Oct 28, 2019
Instrument	1211787

Lender

Name	MONICA FAYE BUSSE
Type	Non-Lending Institution
Address	CEDAR RAPIDS, IA 52402

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2049

June 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMMIT CO
Property Address	551 ELK CIR, DILLON, CO 80435-7882
Transaction Type	Mortgage
Record Updated	Mar 3, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000889720
Date	Jun 10, 2008
Instrument	889720

Lender

Name	MILLENNIUM BANK
Address	BRECKENRIDGE, CO 80424

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

May 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMMIT CO
Property Address	551 ELK CIR, DILLON, CO 80435-7882
Transaction Type	Mortgage
Record Updated	Mar 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001081743
Date	May 7, 2015
Instrument	1081743

Lender

Name	COLORADO BUSINESS BANK
Type	Bank
Address	DENVER, CO 80202

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMMIT CO
Property Address	551 ELK CIR, DILLON, CO 80435-7882
Transaction Type	Mortgage
Record Updated	Mar 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000845028
Date	Jan 22, 2007
Instrument	845028

Lender

Name	FIRSTBANK OF SILVERTHORNE
Address	SILVERTHORNE, CO 80498

Agreement

Amount	Amount Recorded
Term	36 Months
Due	Jan 1, 2010

Interest

Rate	7.5%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMMIT CO
Property Address	551 ELK CIR, DILLON, CO 80435-7882
Transaction Type	Mortgage
Record Updated	Mar 3, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001211788
Date	Oct 28, 2019
Instrument	1211788

Lender

Name	GRACE MICHELE BUSSE
Type	Private Party
Address	2129 N TOWNE LN NE, CEDAR RAPIDS, IA 52402

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2049

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMMIT CO
Property Address	551 ELK CIR, DILLON, CO 80435-7882
Transaction Type	Mortgage
Record Updated	Mar 3, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001211786
Date	Oct 28, 2019
Instrument	1211786

Lender

Name	ANNA MARY BUSSE
Type	Non-Lending Institution
Address	CEDAR RAPIDS, IA 52402

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2049

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMMIT CO
Property Address	551 ELK CIR, DILLON, CO 80435-7816
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001211786
Date	Oct 28, 2019
Instrument	1211786

Lender

Name	ANNA MARY BUSSE
Type	Non-Lending Institution
Address	CEDAR RAPIDS, IA 52402

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2049

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMMIT CO
Recording Date	Oct 28, 2019
Property Address	551 ELK CIR, DILLON, CO 80435-7816
Document Number	0001211779
Map Reference	DOC 553524
Instrument Date	Oct 22, 2019
Instrument	1211779
Transaction Type	Transfer
Record Updated	Mar 21, 2022
Title Company	LAND TITLE GUARANTEE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	551 ELK CIR, 551, DILLON, CO 80435-7816

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2129 N TOWNE LN NE STE B, B, CEDAR RAPIDS, IA 52402-1968

Mortgage

Document Number	0001211785
Date	Oct 28, 2019
Instrument	1211785

Lender

Name	LAVEM AND AUDREY BUSSE DYNASTY TRUS
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2049

Mortgage

Document Number	0001211784
Date	Oct 28, 2019
Instrument	1211784

Lender

Name	JEFF BUSSE GST FAMILY TRUST
Type	Non-Lending Institution
Address	AUSTIN, TX 78712

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2049

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMMIT CO
Recording Date	Oct 28, 2019
Property Address	551 ELK CIR, DILLON, CO 80435-7882
Document Number	0001211779
Map Reference	DOC 553524
Instrument Date	Oct 22, 2019
Instrument	1211779
Transaction Type	Transfer
Record Updated	Mar 3, 2026
Title Company	LAND TITLE GUARANTEE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	551 ELK CIR, DILLON, CO 80435-7882

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2129 N TOWNE LN NE STE B, B, CEDAR RAPIDS, IA 52402-1968

Mortgage

Document Number	0001211785
Date	Oct 28, 2019
Instrument	1211785

Lender

Name	LAVEM AND AUDREY BUSSE DYNASTY TRUS
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2049

Mortgage

Document Number	0001211784
Date	Oct 28, 2019
Instrument	1211784

Lender

Name	JEFF BUSSE GST FAMILY TRUST
Type	Non-Lending Institution
Address	AUSTIN, TX 78712

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2049

October 2011: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMMIT CO
Recording Date	Oct 5, 2011
Property Address	551 ELK CIR, DILLON, CO 80435-7882
Document Number	0000976935
Map Reference	DOC553524
Instrument Date	Sep 30, 2011
Instrument	976935
Transaction Type	Transfer
Record Updated	Mar 3, 2026
Title Company	LAND TITLE GUARANTEE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	10457 PARK MEADOWS DR # 100, 100, LONE TREE, CO 80124-5304

Mortgage

Document Number	0000976936
Date	Oct 5, 2011
Instrument	976936

Lender

Name	COLORADO STATE BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2041

Mortgage

Document Number	0000976937
Date	Oct 5, 2011
Instrument	976937

Lender

Name	BARRY E BURDIAK
Type	Private Party
Address	1116 VALLEY RD, LAKE FOREST, IL 60045

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Oct 1, 2016

January 2010: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SUMMIT CO
Recording Date	Jan 22, 2010
Property Address	551 ELK CIR, DILLON, CO 80435-7882
Document Number	0000932028
Map Reference	DOC553524
Instrument Date	Jan 15, 2010
Instrument	932028
Transaction Type	Transfer
Record Updated	Mar 3, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1116 VALLEY RD, LAKE FOREST, IL 60045-2968

Mortgage

Document Number	0000932029
Date	Jan 22, 2010
Instrument	932029

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2040

November 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMMIT CO
Recording Date	Nov 20, 2007
Property Address	551 ELK CIR, DILLON, CO 80435-7882
Document Number	0000874244
Map Reference	DOC553524
Instrument Date	Nov 15, 2007
Instrument	874244
Transaction Type	Transfer
Record Updated	Mar 3, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1106, DILLON, CO 80435-1104

Mortgage

Document Number	0000874245
Date	Nov 20, 2007
Instrument	874245

Lender

Name	THE PUEBLO BANK & TRUST COMPANY INC
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Nov 15, 2008

Tax Assessment & Valuation

Source: Summit County assessment roll, as of June 16, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Summit County
Municipality	Keystone Town
Unified School District	Summit School District RE-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,995.00 (+8.88%)	$195,847 (+10.34%)	$2,880,100 (+8.72%) Land $883,600 Building $1,996,500
2024	$9,180.00 (-4.26%)	$177,490 (-)
2023	$9,588.00 (+50.68%)	$177,490 (+59.37%)	$2,649,100 (+65.32%) Land $901,700 Building $1,747,400
2022	$6,363.00	$111,367	$1,602,400 Land $497,700 Building $1,104,700

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 12, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	26 units insured incl. 22 condo units

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	0.02% annual chance
Exposure	Direct burnable vegetation

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	EAST DILLON WD serves 2,501 people · EPA ID CO0159045
Water Source	Groundwater influenced by surface water
Last State Inspection	Aug 2024
Lead	4 ppb (2023) 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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fixed Wireless	100 / 20