620 Spruce Rd, Cimarron, CO 81220 Property Records

Gunnison County property record for 620 Spruce Rd, Cimarron, CO 81220

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 840 sqft · built 2020
Lot Size	0.75 acres (32,670 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Jun 2026)
Tax Bill	$1,103 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Aug 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R011652`

Property Details

APN / Parcel Number

Primary APN	`R011652`
Alternative APN	`404918003032`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	840 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Roof Material	Metal
Lot Area	32,670 sqft (0.75 acres)
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Account Number	R011652
Street Address	620 SPRUCE RD
City	CIMARRON
State	CO
Zip	81220
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2, BLOCK 6, ARROWHEAD, FILING NO. 1, #686829
Legal Subdivision	ARROWHEAD FILING 1
Legal Block	6
Legal Lot Number	2
Jurisdiction	GUNNISON CO
Township / Civil Division	SAPINERO
Census Block Group	2
Census Block	2155
Census Tract	963900

Owner

Source: Gunnison County records, as of June 22, 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	620 SPRUCE RD, CIMARRON, CO 81220
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2026	Special Warranty Deed, Transfer · Conventional Mortgage NEWREZ LLC
Aug 26, 2022	Special Warranty Deed, Transfer · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB
Oct 6, 2017	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMP
Apr 10, 2012	Warranty Deed, Transfer BRUCE L SAUNDERS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2026 · Amount on Record
Deed Sale	Jun 9, 2026 · Amount on Record
Prior Sale	Aug 26, 2022 · Amount on Record
Deed Document Number	2026708801
Prior Transfer Date	Aug 15, 1995
Record Updated	Sep 20, 2026

June 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	GUNNISON CO
Recording Date	Jun 9, 2026
Property Address	620 SPRUCE RD, CIMARRON, CO 81220
Document Number	0000708801
Instrument Date	Jun 9, 2026
Instrument	2026708801
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,393.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	620 SPRUCE RD, CIMARRON, CO 81220

Mortgage

Document Number	0000708801,
Date	Jun 9, 2026
Instrument	2026708801

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

August 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	GUNNISON CO
Recording Date	Aug 26, 2022
Property Address	620 SPRUCE RD, CIMARRON, CO 81220
Document Number	0000686829
Map Reference	DOC 298784
Instrument Date	Aug 26, 2022
Instrument	686829
Transaction Type	Transfer
Record Updated	Sep 20, 2022
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	256 ESCALANTE ST, 256, CRESTED BUTTE, CO 81224-9830

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	727 GALAXY CT, GRAND JUNCTION, CO 81506-1998

Mortgage

Document Number	0000686830
Date	Aug 26, 2022
Instrument	686830

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUNNISON CO
Recording Date	Oct 6, 2017
Property Address	620 SPRUCE RD, CIMARRON, CO 81220
Document Number	0000649511
Map Reference	DOC298784
Instrument Date	Oct 5, 2017
Instrument	0649511
Transaction Type	Transfer
Record Updated	Jun 23, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE COMP

Transaction

Amount	Amount Recorded
Tax	$0.00
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	3162 52ND AVE, GREELEY, CO 80634-8768

April 2012: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GUNNISON CO
Recording Date	Apr 10, 2012
Property Address	620 SPRUCE RD, CIMARRON, CO 81220
Document Number	0000612282
Map Reference	DOC298784
Instrument Date	Apr 9, 2012
Instrument	0612282
Transaction Type	Transfer
Record Updated	Jun 23, 2022
Title Company	FNTC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7416 6150 RD, MONTROSE, CO 81401-9222

Mortgage

Document Number	0000612283
Date	Apr 10, 2012
Instrument	0612283

Lender

Name	BRUCE L SAUNDERS
Type	Private Party
Address	43281 PONDEROSA TRL, GUNNISON, CO 81230

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Apr 9, 2013

Interest

Rate	4%

Tax Assessment & Valuation

Source: Gunnison County assessment roll, as of February 24, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Gunnison County
Unified School District	Gunnison Watershed School District RE-1J (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,103.00 (+31%)	$20,460 (+1.99%) Land $5,940 Building $14,520	$327,270 (+9.32%) Land $95,000 Building $232,270
2024	$842.00 (+1.69%)	$20,060 (+22.47%) Land $5,360 Building $14,700
2023	$828.00 (-2.24%)	$16,380 (+14.15%) Land $4,380 Building $12,000	$299,370 (+44.95%) Land $80,000 Building $219,370
2022	$847.00	$14,350 Land $3,480 Building $10,870	$206,530 Land $50,090 Building $156,440

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 11, 2025 · 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 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	Moderate above 61% of the US · above 48% 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	EVERGREEN LAKE COMPANY private · serves 431 people · EPA ID CO0126121
Water Source	Surface water
Last State Inspection	Aug 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Dec 2022 Haloacetic acids resolved · Apr 2018
Treatment and Procedure	No certified operator May 2018
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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Nucla-Naturita Telephone Company DSL	100 / 20

Cell Coverage

No cell data coverage reported

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