640 Ridgeway Dr, Cotopaxi, CO 81223 Property Records

Fremont County property record for 640 Ridgeway Dr, Cotopaxi, CO 81223

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 768 sqft · built 1973
Lot Size	6.45 acres (280,962 sqft)
Owner	2 Individual Names on File
Last Sale	$388,000 (Aug 2026)
Tax Bill	$571 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jan 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`R025955`

Property Details

APN / Parcel Number

Primary APN	`R025955`
Alternative APN	`77014770`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	768 sqft Living Area
1st Floor Area	768 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1980
Architectural Style	Multi-Level
Exterior Material	Composition/Composite
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	280,962 sqft (6.45 acres)

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Patio Area	400 sqft
Shed	1 Shed
Shed Area	30 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	R025955
Street Address	640 RIDGEWAY DR
City	COTOPAXI
State	CO
Zip	81223-9320
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16 BLK 3 SPRUCE BASIN FIL #3
Legal Subdivision	SPRUCE BASIN
Legal Block	3
Legal Lot Number	16
Jurisdiction	FREMONT CO
Township / Civil Division	COTOPAXI
Census Block Group	2
Census Block	2008
Census Tract	979001

Owner

Source: Fremont County records · APN R025955

Assessment roll updated May 27, 2026 · Last verified August 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 File
Mailing Address	5515 W 63RD AVE, ARVADA, CO 80003-5212
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 03, 2026	Special Warranty Deed, Transfer · Conventional Mortgage AMERICAN FINANCIAL
Jan 13, 2022	Special Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 03, 2026 · Amount on Record
Deed Sale	Aug 03, 2026 · Amount on Record
Deed Document Number	20261057733
Record Updated	Sep 20, 2026

August 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FREMONT CO
Recording Date	Aug 03, 2026
Property Address	640 RIDGEWAY DR, COTOPAXI, CO 81223-9320
Document Number	0001057733
Instrument Date	Jul 28, 2026
Instrument	20261057733
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,918.80
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5515 W 63RD AVE, ARVADA, CO 80003-5212

Mortgage

Document Number	0001057734,
Date	Aug 03, 2026
Instrument	20261057734

Lender

Name	AMERICAN FINANCIAL

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

January 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FREMONT CO
Recording Date	Jan 13, 2022
Property Address	640 RIDGEWAY DR, COTOPAXI, CO 81223-9320
Document Number	0001011523
Instrument Date	Jan 13, 2022
Instrument	1011523
Transaction Type	Transfer
Record Updated	May 22, 2023

Transaction

Amount	Amount Recorded
Tax	$18.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	717 31ST ST, DENVER, CO 80205-3042

Tax Assessment & Valuation

Source: Fremont County records · Assessment roll updated May 27, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Fremont County
Unified School District	Fremont RE-3 (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$571.00 (+59.5%)	$12,900 (+2.93%)	$206,388 (+10.33%)
2024	$358.00 (+3.17%)	$12,533 (+7.66%)
2023	$347.00	$11,641 (+28.79%)	$187,067 (+43.84%)
2022	$347.00	$9,039	$130,054

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of October 23, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	5 in force

Wildfire

Wildfire Risk	High above 82% of the US · above 85% of Colorado
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Based on FCC filings for 14 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ridgeway Dr

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