554 S Elm St, Denver, CO 80246 Property Records

Denver City property record for 554 S Elm St, Denver, CO 80246

Property Summary

Property Type	Townhouse
Details	2 bd · 2.5 ba · 2,438 sqft · built 1997
Lot Size	0.061 acres (2,656 sqft)
Owner	Individual Name on File
Last Sale	$625,000 (Aug 2024)
Tax Bill	$3,184 (2025)
Deeds & Mortgages	Feb 2021 Reverse Mortgage
APN	`06181-15-026-000`

Property Details

APN / Parcel Number

Primary APN	`06181-15-026-000`
Alternative APN	`162651903`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,438 sqft Living Area
Gross Area	1,798 sqft
1st Floor Area	715 sqft
Basement Area	715 sqft
Finished Basement	640 sqft
Unfinished Basement	75 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2010
Architectural Style	Row Home
Exterior Material	Combination
Construction Type	Frame
Lot Area	2,656 sqft (0.061 acres)
Garage Type	Attached
Garage Area	391 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	554 S ELM ST
City	DENVER
State	CO
Zip	80246-8162
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	S-RH-2.5
Legal Description	JANE K WHEELERS SUB OF JERSEY SUB BO BEG 68.6FT N OF SE COR L1 TH W 115FT N 23.1FT E 115FT S 23.1FT TO POB AKA PARK VIEW TOWNHOMES U-3
Legal Subdivision	JERSEY SUB
Legal Block	1
Legal Lot Number	1
Legal Unit	3
Jurisdiction	DENVER CO
Township / Civil Division	DENVER
Census Block Group	1
Census Block	1015
Census Tract	15300

Owner

554 S Elm St, a townhouse, is owned and occupied by an individual who bought it in August 2024.

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

Owner of Record	Individual Name on File
Mailing Address	554 S ELM ST, DENVER, CO 80246-8162
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2024 · Amount on File
Deed Sale	Aug 1, 2024 · Amount on File
Prior Sale	Sep 8, 1998 · Amount on File
Deed Document Number	202470618
Prior Transfer Date	Jul 31, 2024
Prior Transfer Doc	0000070617
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENVER CO
Property Address	554 S ELM ST, DENVER, CO 80246-8162
Transaction Type	Mortgage
Record Updated	Jul 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	554 S ELM ST, DENVER, CO 80246-8162

Mortgage

Document Number	0000020692
Date	Feb 5, 2021
Instrument	2021020692

Lender

Name	MAGNOLIA BANK
Type	Bank
Address	MAGNOLIA, KY 42757

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	895 Months
Due	Aug 31, 2095

Interest

Rate Type	Adjustable Rate
Rate	2.48%
Type Change Date	Mar 1, 2021
Change Frequency	Annually
Index	1-Year CMT
Max Rate	12.4%

Tax Assessment & Valuation

The 2025 property tax bill for 554 S Elm St was $3,184.

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	$3,184.00	$41,630 Land $5,080 Building $5,080	$590,500 Land $72,000 Building $518,500
2023	$2,199.00	$35,080 (+1.95%) Land $1,140 Building $33,940	$578,500 (+16.82%) Land $72,000 Building $506,500
2022		$34,410 Land $5,000 Building $29,410	$495,200 Land $72,000 Building $423,200
2021	$2,108.00

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 554 S Elm St; there have been 1 flood claim nearby since 2005.

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	2 in force
Nearby Flood Claims	1 (2005)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 2005 · rainfall accumulation

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

Wildfire risk around 554 S Elm St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 99.2% of Colorado
Wildfire Likelihood	Under 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	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 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, LiveWireNet, Starry, T-Mobile, Verizon.

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