635 Lake Dr, Lyons, CO 80540 Property Records

Larimer County property record for 635 Lake Dr, Lyons, CO 80540

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,960 sqft · built 1974
Lot Size	4.98 acres (216,929 sqft)
Owner	Individual Name on Record
Last Sale	$740,000 (Jul 2020)
Tax Bill	$7,656 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14351-07-035`

Property Details

APN / Parcel Number

Primary APN	`14351-07-035`
Alternative APN	`R0594202`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,960 sqft Living Area
Upper Floors Area	296 sqft
Basement Area	576 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 2019
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	216,929 sqft (4.98 acres)
Garage Type	Detached
Garage Area	1,500 sqft

Exterior Amenities

Porch	Porch
Porch Area	1,572 sqft
Patio Area	476 sqft
Balcony	Balcony
Balcony Area	476 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	R0594202
Old Parcel Number	1435107035
Street Address	635 LAKE DR
City	LYONS
State	CO
Zip	80540-8324
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 35, SPRING GULCH RANCH EST 1ST
Legal Range	71
Legal Township	04
Legal Section	35
Legal Quarter	NE
Legal Subdivision	SPRING GULCH RANCH ESTATES
Legal Block	7
Legal Lot Number	35
Jurisdiction	LARIMER CO
Township / Civil Division	ESTES PARK
Census Block Group	1
Census Block	1059
Census Tract	1905

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	635 LAKE DR, LYONS, CO 80540-8324
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2020 · Amount on Record
Deed Sale	Jul 2, 2020 · Amount on Record
Deed Document Number	20200048089
Record Updated	Jun 8, 2026

July 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Jul 2, 2020
Property Address	635 LAKE DR, LYONS, CO 80540-8324
Document Number	0000048089
Instrument Date	Jun 30, 2020
Instrument	20200048089
Transaction Type	Transfer
Record Updated	Mar 28, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$74.00
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	635 LAKE DR, LYONS, CO 80540-8324

Mortgage

Document Number	0000048090
Date	Jul 2, 2020
Instrument	20200048090

Lender

Name	LENDUS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Colorado
County	Larimer County
Unified School District	St. Vrain Valley School District RE 1J (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,656.00 (+8.43%)	$71,531 (-10.16%) Land $18,000 Building $53,531	$1,144,500 (-3.69%) Land $288,000 Building $856,500
2023	$7,061.00 (+59.32%)	$79,623 (+58.63%) Land $19,296 Building $60,327	$1,188,400 (+64.55%) Land $288,000 Building $900,400
2022	$4,432.00	$50,193 Land $14,692 Building $35,501	$722,200 Land $211,400 Building $510,800

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
Community Rating System	Class 5 (25% 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	Very High above 92% of the US · above 96% of Colorado
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
xBar7 Communications Fixed Wireless	200 / 200
Lyons Communications Fixed Wireless · not low latency	200 / 30
Rise Broadband Fixed Wireless	50 / 10

Cell Coverage

4G LTE (outdoors only), no 5G reported

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