602 Spruce St, Red Cliff, CO 81649 Property Records

Eagle County property record for 602 Spruce St, Red Cliff, CO 81649

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,597 sqft · built 1889
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,032,000 (Jun 2026)
Tax Bill	$7,233 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R000410`

Property Details

APN / Parcel Number

Primary APN	`R000410`
Alternative APN	`2205 194 02 015`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,597 sqft Living Area
Gross Area	3,377 sqft
1st Floor Area	2,597 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1889
Effective Year Built	Effective 2014
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	4,356 sqft (0.1 acres)
Deck Area	60 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Radiant
Heating Fuel	Gas

Location & Zoning

Account Number	R000410
Street Address	602 SPRUCE ST
City	RED CLIFF
State	CO
Zip	81649-5016
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION: RED CLIFF BLOCK: I LOT: 3 AND:- LOT: 4 BK-0116 PG-0386 QCD 03-17-34
Legal Range	80W
Legal Township	6S
Legal Section	19
Legal Quarter	4
Legal Subdivision	RED CLIFF
Legal Block	I
Legal Lot Number	3
Jurisdiction	EAGLE CO
Township / Civil Division	MINTURN-RED CLIFF
Census Block Group	1
Census Block	1125
Census Tract	600

Owner

Source: Eagle County records, as of July 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 263, RED CLIFF, CO 81649-0263
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Warranty Deed, Transfer · Conventional Mortgage MEGASTAR FINANCIAL CORPORATION
Aug 23, 2021	Warranty Deed, Transfer · Conventional Mortgage CHICAGO MORTGAGE SOLUTIONS CORP
Dec 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRSTBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2026 · Amount on Record
Deed Sale	Jun 26, 2026 · Amount on Record
Prior Sale	Aug 23, 2021 · Amount on Record
Deed Document Number	20268164
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EAGLE CO
Recording Date	Jun 26, 2026
Property Address	602 SPRUCE ST, RED CLIFF, CO 81649-5016
Document Number	0000008164
Instrument Date	Jun 25, 2026
Instrument	20268164
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	PROVINCIAL TITLE LLC, PRINCIPAL TITLE, LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,423.20
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000008165,
Date	Jun 26, 2026
Instrument	20268165

Lender

Name	MEGASTAR FINANCIAL CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.71%
Initial Type	Fixed Rate
Max Rate	-1%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EAGLE CO
Recording Date	Aug 23, 2021
Property Address	602 SPRUCE ST, RED CLIFF, CO 81649-5016
Document Number	0202119195
Instrument Date	Aug 18, 2021
Instrument	202119195
Transaction Type	Transfer
Record Updated	Aug 30, 2021
Title Company	LAND TITLE GUARANTEE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$82.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 521, MINTURN, CO 81645-0521

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5033 S PLATTE RIVER PKWY, LITTLETON, CO 80123-7814

Mortgage

Document Number	0202119196
Date	Aug 23, 2021
Instrument	202119196

Lender

Name	CHICAGO MORTGAGE SOLUTIONS CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EAGLE CO
Property Address	602 SPRUCE ST, RED CLIFF, CO 81649-5016
Document Number	0000025270
Instrument Date	Dec 18, 2020
Transaction Type	Mortgage
Record Updated	Apr 14, 2021
Title Company	LAND TITLE GUARANTEE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	602 SPRUCE ST RED CLIFF CO 816495016, RED CLIFF, CO 81649-5016

Mortgage

Document Number	0000025270
Date	Dec 28, 2020
Instrument	25270

Lender

Name	FIRSTBANK
Type	Bank
Address	LAKEWOOD, CO 80215

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 27, 2050

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Eagle County assessment roll, as of March 11, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Eagle County
Municipality	Red Cliff Town
Unified School District	Eagle County School District RE 50 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,233.00 (+14.27%)	$85,430 (+8.61%) Land $8,700 Building $76,730	$1,366,910 (+16.43%) Land $139,170 Building $1,227,740
2023	$6,330.00	$78,660 Land $9,740 Building $68,920	$1,173,980 Land $145,350 Building $1,028,630

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 June 4, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 17 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	2 (1987–2019)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2019 · river or lake flooding

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	Moderate above 61% of the US · above 49% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF RED CLIFF serves 469 people · EPA ID CO0119671
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2023–2025) 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 114 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Vero Fiber Fixed Wireless	75 / 75
CenturyLink DSL	10 / 1

Cell Coverage

No cell data coverage reported

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