605 Spruce St, Red Cliff, CO 81649 Property Records

Eagle County property record for 605 Spruce St, Red Cliff, CO 81649

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,391 sqft · built 1940
Lot Size	0.225 acres (9,801 sqft)
Owner	2 Individual Names on File
Last Sale	$479,000 (Oct 2018)
Tax Bill	$4,688 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R055652`

Property Details

APN / Parcel Number

Primary APN	`R055652`
Alternative APN	`2205 194 03 007`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,391 sqft Living Area
Gross Area	1,740 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2000
Architectural Style	Bi-Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	9,801 sqft (0.225 acres)
Porch	Finished/Open Porch
Porch Area	40 sqft
Patio Area	76 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Account Number	R055652
Street Address	605 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: K LOT: 17 THRU:- LOT: 20
Legal Range	80W
Legal Township	6S
Legal Section	19
Legal Quarter	4
Legal Subdivision	RED CLIFF
Legal Block	K
Legal Lot Number	17
Jurisdiction	EAGLE CO
Township / Civil Division	MINTURN-RED CLIFF
Census Block Group	1
Census Block	1125
Census Tract	600

Owner

605 Spruce St is owned and occupied by two individuals who acquired it in July 2024.

Source: Eagle County records, as of March 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	605 SPRUCE ST, RED CLIFF, CO 81649-5016
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MTG
Oct 18, 2018	Warranty Deed, Transfer · VA Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2018 · Amount on File
Deed Sale	Oct 18, 2018 · Amount on File
Prior Sale	Jul 3, 2003 · Amount on File
Deed Document Number	201817886
Last Transfer Date	Jul 18, 2024
Transfer Doc	0000008177
Record Updated	Sep 20, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	EAGLE CO
Property Address	605 SPRUCE ST, RED CLIFF, CO 81649-5016
Document Number	0000024921
Instrument Date	Dec 16, 2020
Transaction Type	Mortgage
Record Updated	Jan 28, 2021
Title Company	LAND TITLE GUARANTEE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	605 SPRUCE ST RED CLIFF CO 816495016, RED CLIFF, CO 81649-5016

Mortgage

Document Number	0000024921
Date	Dec 22, 2020
Instrument	24921

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Dec 21, 2045

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	EAGLE CO
Recording Date	Oct 18, 2018
Property Address	605 SPRUCE ST, RED CLIFF, CO 81649-5016
Document Number	0000017886
Instrument Date	Oct 17, 2018
Instrument	201817886
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	LAND TITLE GUARANTEE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$47.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 7494, AVON, CO 81620-7494

Mortgage

Document Number	0000017887
Date	Oct 18, 2018
Instrument	201817887

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 605 Spruce St was $4,688, up 13.3% from the year before.

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	$4,688.00 (+13.29%)	$55,370 Land $11,440 Building $43,930	$885,850 Land $183,030 Building $702,820
2024	$4,138.00 (+0.78%)
2023	$4,106.00	$51,020 Land $12,500 Building $38,520	$761,620 Land $186,640 Building $574,980

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 605 Spruce St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 605 Spruce St is moderate, ranking above 61% 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 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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