5542 Bear Creek Loop, Elizabeth, CO 80107 Property Records

Elbert County property record for 5542 Bear Creek Loop, Elizabeth, CO 80107

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,538 sqft · built 2016
Lot Size	0.301 acres (13,112 sqft)
Owner	Individual Name on File
Last Sale	$480,000 (Jun 2019)
Tax Bill	$5,702 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Dec 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`64334-01-021`

Property Details

APN / Parcel Number

Primary APN	`64334-01-021`
Alternative APN	`R119335`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,538 sqft Living Area
Basement Area	999 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Exterior Material	Fiber Cement Siding
Construction Type	Wood Frame
Roof Material	Other
Lot Area	13,112 sqft (0.301 acres)
Garage Type	Attached
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	R119335
Street Address	5542 BEAR CREEK LOOP
City	ELIZABETH
State	CO
Zip	80107-9124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD
Legal Description	SECTION: 33 TOWNSHIP: 6 RANGE: 64SUBDIVISION: SPRING VALLEY RANCH F3 LOT: 71
Legal Range	64
Legal Township	06
Legal Section	33
Legal Quarter	SE
Legal Subdivision	SPRING VALLEY RANCH F3
Legal Lot Number	71
Jurisdiction	ELBERT CO
Township / Civil Division	ELIZABETH
Census Block Group	4
Census Block	4008
Census Tract	961204

Owner

5542 Bear Creek Loop is owned and occupied by an individual who bought it in June 2019.

Source: Elbert County records, as of February 9, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5542 BEAR CREEK LOOP, ELIZABETH, CO 80107-9124
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
Nov 9, 2023	Deed of Trust, Mortgage · FHA Mortgage LUMINATE HOME LOANS INC
Dec 13, 2021	Deed of Trust, Mortgage · FHA Mortgage LUMINATE HOME LOANS INC
Jun 18, 2019	Special Warranty Deed, Transfer · FHA Mortgage NOVA FINANCIAL & INVESTMENT CORP
Jan 9, 2019	Deed of Trust, Mortgage · Line of Credit BELLCO CU
Mar 10, 2018	Deed of Trust, Mortgage · Line of Credit BELLCO CU
Mar 28, 2017	Grant Deed, Subdivision Related Transfer · FHA Mortgage CITYWIDE HMS LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2019 · Amount on File
Deed Sale	Jun 18, 2019 · Amount on File
Prior Sale	Mar 28, 2017 · Amount on File
Deed Document Number	586410
Deed Book / Page	0795 / 0163
Record Updated	Jun 8, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELBERT CO
Property Address	5542 BEAR CREEK LOOP, ELIZABETH, CO 80107-9124
Transaction Type	Mortgage
Record Updated	Nov 24, 2023
Title Company	WFG

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5542 BEAR CREEK LOOP, ELIZABETH, CO 80107-9124

Mortgage

Document Number	0008390909
Date	Nov 9, 2023
Book Page	839/909
Instrument	630368

Lender

Name	LUMINATE HOME LOANS INC
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55405

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELBERT CO
Property Address	5542 BEAR CREEK LOOP, ELIZABETH, CO 80107-9124
Transaction Type	Mortgage
Record Updated	Mar 28, 2022
Title Company	WFG NATIONAL TITLE COMPANY, WFG NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5542 BEAR CREEK LOOP, ELIZABETH, CO 80107-9124

Mortgage

Document Number	0006230405
Date	Dec 13, 2021
Book Page	623/405
Instrument	614975

Lender

Name	LUMINATE HOME LOANS INC
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55405

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

June 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ELBERT CO
Recording Date	Jun 18, 2019
Property Address	5542 BEAR CREEK LOOP, ELIZABETH, CO 80107-9124
Document Number	0007950163
Book / Page	0795 / 0163
Instrument Date	Jun 14, 2019
Instrument	586410
Transaction Type	Transfer
Record Updated	Mar 28, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$48.00
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	5542 BEAR CREEK LOOP, ELIZABETH, CO 80107-9124

Mortgage

Document Number	0000586411
Date	Jun 18, 2019
Instrument	586411

Lender

Name	NOVA FINANCIAL & INVESTMENT CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELBERT CO
Property Address	5542 BEAR CREEK LOOP, ELIZABETH, CO 80107-9124
Document Number	0007910869
Instrument Date	Jan 9, 2019
Transaction Type	Mortgage
Record Updated	Jan 24, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5542 BEAR CREEK LOOP ELIZABETH CO 801079124, ELIZABETH, CO 80107-9124

Mortgage

Document Number	0007910869
Date	Jan 15, 2019
Book Page	000791/000869
Instrument	583081

Lender

Name	BELLCO CU
Type	Credit Union
Address	CENTENNIAL, CO 80111

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jan 14, 2039

Interest

Rate Type	Adjustable Rate

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ELBERT CO
Property Address	5542 BEAR CREEK LOOP, ELIZABETH, CO 80107-9124
Document Number	0007850212
Instrument Date	Mar 10, 2018
Transaction Type	Mortgage
Record Updated	Mar 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5542 BEAR CREEK LOOP ELIZABETH CO 801079124, ELIZABETH, CO 80107-9124

Mortgage

Document Number	0007850212
Date	Mar 10, 2018
Book Page	000785/000212
Instrument	576329

Lender

Name	BELLCO CU
Type	Credit Union
Address	7600 E ORCHARD RD # 400N, GREENWOOD VILLAGE, CO 80111-2522

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Mar 9, 2038

Interest

Rate Type	Adjustable Rate

March 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ELBERT CO
Recording Date	Mar 28, 2017
Property Address	5542 BEAR CREEK LOOP, ELIZABETH, CO 80107-9124
Document Number	0007760389
Book / Page	000776 / 000389
Instrument Date	Mar 21, 2017
Instrument	567601
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 12, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$46.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5542 BEAR CREEK LOOP ELIZABETH CO 801079124, ELIZABETH, CO 80107-9124

Mortgage

Document Number	7760390
Date	Mar 28, 2017
Book Page	000776/000390
Instrument	567602

Lender

Name	CITYWIDE HMS LNS
Type	Funding / Finance Company
Address	SANDY, UT 84070

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 27, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 5542 Bear Creek Loop was $5,702.

Source: Elbert County assessment roll, as of August 25, 2025

Property Jurisdictions

Type	Name
State	Colorado
County	Elbert County
Unified School District	Elizabeth School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,702.00	$36,960 Land $7,500 Building $29,460	$591,300 Land $120,000 Building $471,300
2023	$5,531.00 (+21.61%)	$37,210 (+18.35%) Land $7,320 Building $29,890	$555,313 (+22.73%) Land $109,186 Building $446,127
2022	$4,548.00	$31,440 Land $7,990 Building $23,450	$452,461 Land $115,000 Building $337,461

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 maps place 5542 Bear Creek Loop in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 5, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 5542 Bear Creek Loop is high, ranking above 73% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	High above 73% of the US · above 70% of Colorado
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

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

Provider	Max Down / Up (Mbps)
Aerux Broadband Fiber · Fixed Wireless	10,000 / 10,000
Kellin Communications Fixed Wireless	1,000 / 220
BAM Broadband Fixed Wireless · not low latency	1,000 / 100

Cell Coverage

5G (outdoors only) and 4G LTE

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