640 N Lafayette St, Denver, CO 80218 Property Records

Denver City property record for 640 N Lafayette St, Denver, CO 80218

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,595 sqft · built 1954
Lot Size	0.215 acres (9,370 sqft)
Owner	2 Individual Names on File
Last Sale	$2,325,000 (Jun 2021)
Tax Bill	$12,518 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Jun 2021 Sale & Mortgage + 1 more
APN	`05023-35-006-000`

Property Details

APN / Parcel Number

Primary APN	`05023-35-006-000`
Alternative APNs	`680402335006` `161096171`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	4,595 sqft Living Area
Gross Area	3,765 sqft
1st Floor Area	2,078 sqft
Upper Floors Area	1,687 sqft
Basement Area	1,191 sqft
Finished Basement	830 sqft
Unfinished Basement	361 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 2016
Architectural Style	Multi-Level
Exterior Material	Stucco
Roof Material	Other
Lot Area	9,370 sqft (0.215 acres)
Garage Type	Detached
Garage Area	428 sqft

Exterior Amenities

Porch	Open Concrete/Masonry Porch
Porch Area	58 sqft
Deck Area	64 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	640 N LAFAYETTE ST
City	DENVER
State	CO
Zip	80218-3610
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	U-SU-C
Legal Description	S1/2 OF L 11 ALL OF L 12 & 13 & N1/2 OF L 14 BLK 152 S DIV OF CAPITOL HILL
Legal Subdivision	DIV OF CAPITOL HILL
Legal Block	152
Legal Lot Number	11
Jurisdiction	DENVER CO
Township / Civil Division	DENVER
Census Block Group	3
Census Block	3013
Census Tract	3203

Owner

640 N Lafayette St is owned and occupied by two individuals who bought it in June 2021.

Source: Denver City records, as of May 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	640 N LAFAYETTE ST, DENVER, CO 80218-3610
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
Feb 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage UBS BANK USA
Jun 21, 2021	Warranty Deed, Transfer · Conventional Mortgage CORNERSTONE HOME LENDING INC
May 15, 2018	Intrafamily Transfer, Transfer · ARM UBS BANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2021 · Amount on File
Deed Sale	Jun 21, 2021 · Amount on File
Prior Sale	Jul 24, 2012 · Amount on File
Deed Document Number	2021118044
Prior Transfer Date	May 7, 2018
Prior Transfer Doc	0000056940
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENVER CO
Property Address	640 N LAFAYETTE ST, DENVER, CO 80218-3610
Transaction Type	Mortgage
Record Updated	Sep 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026160
Date	Feb 21, 2020
Instrument	2020026160

Lender

Name	UBS BANK USA
Type	Bank
Address	SALT LAKE CITY, UT 84111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3%
Type Change Date	Mar 1, 2023
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5%
Index	1-Year LIBOR
Max Rate	9%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DENVER CO
Recording Date	Jun 21, 2021
Property Address	640 N LAFAYETTE ST, DENVER, CO 80218-3610
Document Number	0000118044
Instrument Date	Jun 14, 2021
Instrument	2021118044
Transaction Type	Transfer
Record Updated	Sep 17, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$232.50
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	640 N LAFAYETTE ST, DENVER, CO 80218-3610

Mortgage

Document Number	0000118045
Date	Jun 21, 2021
Instrument	2021118045

Lender

Name	CORNERSTONE HOME LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

May 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DENVER CO
Recording Date	May 15, 2018
Property Address	640 N LAFAYETTE ST, DENVER, CO 80218-3610
Document Number	0000056940
Instrument Date	May 7, 2018
Instrument	2018056940
Transaction Type	Transfer
Record Updated	Sep 17, 2021
Title Company	SERVICELINK

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	640 N LAFAYETTE ST, DENVER, CO 80218-3610
Investor	Possibly a Property Investor

Mortgage

Document Number	0000056941
Date	May 15, 2018
Instrument	2018056941

Lender

Name	UBS BANK USA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Jun 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.87%
Index	1-Year LIBOR
Max Rate	8.87%

Tax Assessment & Valuation

The 2025 property tax bill for 640 N Lafayette St was $12,518.

Source: Denver City assessment roll, as of May 29, 2026

Property Jurisdictions

Type	Name
State	Colorado
County / Municipality	Denver City
Unified School District	Denver County School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,518.00	$163,640 Land $73,850 Building $73,850	$2,321,100 Land $1,047,500 Building $1,273,600
2023	$13,264.00	$171,190 (+51.17%) Land $53,500 Building $117,690	$2,610,000 (+60.19%) Land $853,500 Building $1,756,500
2022		$113,240 Land $59,320 Building $53,920	$1,629,300 Land $853,500 Building $775,800
2021	$8,693.00

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 has no flood map on file for 640 N Lafayette St; 1 flood insurance policy is in force nearby.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Community Rating System	Class 6 (20% premium discount)
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

The area around 640 N Lafayette St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	DENVER WATER BOARD serves 1,287,000 people · EPA ID CO0116001
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	33 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 985 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 2,000
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
LiveWireNet Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Aerux Broadband, Google Fiber, Starry, WiFiHood.

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