609 E Michigan Ave, Berthoud, CO 80513 Property Records

Larimer County property record for 609 E Michigan Ave, Berthoud, CO 80513

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,826 sqft · built 2021
Lot Size	0.162 acres (7,083 sqft)
Owner	Individual Name on Record
Last Sale	$504,115 (Nov 2021)
Tax Bill	$3,600 (2025)
Deeds & Mortgages	Nov 2024 Line of Credit Nov 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`94241-16-008`

Property Details

APN / Parcel Number

Primary APN	`94241-16-008`
Alternative APN	`R1669705`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,826 sqft Living Area
Basement Area	746 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,083 sqft (0.162 acres)
Garage Type	Attached
Garage Area	578 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R1669705
Street Address	609 E MICHIGAN AVE
City	BERTHOUD
State	CO
Zip	80513-3833
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8, BLOCK 9, FARMSTEAD (THE) (BER) (20190016179)
Legal Quarter	NE
Legal Subdivision	FARMSTEAD (THE) (BERTHOUD)
Legal Block	9
Legal Lot Number	8
Jurisdiction	LARIMER CO
Township / Civil Division	BERTHOUD
Census Block Group	2
Census Block	2029
Census Tract	2700

Owner

Source: Larimer County records, as of February 2, 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
Co-owner	Co-owner on Record
Mailing Address	609 E MICHIGAN AVE, BERTHOUD, CO 80513-3833
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2024	Deed of Trust, Mortgage · Line of Credit ENT CU
Nov 2, 2021	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage GARDNER FINANCIAL SERVICES LTD
Jun 11, 2020	Grant Deed, Transfer HERITAGE TITLE COMPANY, HERITAGE TITLE CO.

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 2, 2021 · Amount on Record
Deed Sale	Nov 2, 2021 · Amount on Record
Deed Document Number	RECEPT # 20210100944
Record Updated	Jun 8, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	609 E MICHIGAN AVE, BERTHOUD, CO 80513-3833
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000047338
Date	Nov 6, 2024
Instrument	20240047338

Lender

Name	ENT CU
Type	Credit Union
Address	COLORADO SPRINGS, CO 80921

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 28, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Nov 2, 2021
Property Address	609 E MICHIGAN AVE, BERTHOUD, CO 80513-3833
Document Number	0000100944
Instrument Date	Nov 2, 2021
Instrument	20210100944
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 3, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$50.41
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	609 E MICHIGAN AVE, BERTHOUD, CO 80513-3833

Mortgage

Document Number	0000100945
Date	Nov 2, 2021
Instrument	20210100945

Lender

Name	GARDNER FINANCIAL SERVICES LTD
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

June 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LARIMER CO
Recording Date	Jun 11, 2020
Property Address	609 E MICHIGAN AVE, BERTHOUD, CO 80513-3833
Document Number	0000041774
Instrument Date	Jun 10, 2020
Instrument	41774
Transaction Type	Transfer
Record Updated	Jun 19, 2020
Title Company	HERITAGE TITLE COMPANY, HERITAGE TITLE CO.

Transaction

Amount	Amount Recorded
Tax	$275.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	35333 COUNTY ROAD 37 EATON CO 806158822, EATON, CO 80615-8822
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Colorado
Municipality	Berthoud Town
County	Larimer County
Unified School District	Thompson School District R-2J (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,600.00 (+17.49%)	$35,581 (-3.11%) Land $8,956 Building $26,625	$569,300 (+3.87%) Land $143,300 Building $426,000
2023	$3,064.00 (+24%)	$36,722 (+42.49%) Land $9,460 Building $27,262	$548,100 (+47.82%) Land $141,200 Building $406,900
2022	$2,471.00	$25,771 Land $7,096 Building $18,675	$370,800 Land $102,100 Building $268,700

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 September 30, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 62% of the US · lower than 79% of Colorado
Wildfire Likelihood	0.04% 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 BERTHOUD serves 14,211 people · EPA ID CO0135138
Water Source	Surface water
Last State Inspection	Dec 2021
Lead	10 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jul 2019
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 377 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Vistabeam Fixed Wireless	500 / 80
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, CenturyLink.

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