Larimer County property record for 640 Trappers Pl, Windsor, CO 80550
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,626 sqft · built 1998 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $743,000 (Jun 2022) |
| Tax Bill | $4,637 (2025) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Nov 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 86241-08-076 |
| Primary APN | 86241-08-076 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,626 sqft Living Area |
| Basement Area | 980 sqft |
| Finished Basement | 620 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Other |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Rolled Roofing |
| Lot Area | 9,583 sqft (0.219 acres) |
| Garage Type | Attached |
| Garage Area | 660 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 348 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | R1545230 |
|---|---|
| Old Parcel Number | 8624108076 |
| Street Address | 640 TRAPPERS PL |
| City | WINDSOR |
| State | CO |
| Zip | 80550-5955 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 76, RIVER WEST PUD, SUB, WIN |
| Legal Range | 68 |
| Legal Township | 06 |
| Legal Section | 24 |
| Legal Quarter | NE |
| Legal Subdivision | RIVER WEST PUD |
| Legal Lot Number | 76 |
| Jurisdiction | LARIMER CO |
| Township / Civil Division | LOVELAND |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 1714 |
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 | 640 TRAPPERS PL, WINDSOR, CO 80550-5955 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 28, 2022 | Special Warranty Deed, Transfer · Conventional Mortgage FIRSTBANK |
| Nov 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Oct 9, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 28, 2022 · Amount on Record |
| Deed Sale | Jun 28, 2022 · Amount on Record |
| Prior Sale | Oct 9, 2020 |
| Deed Document Number | 20220040787 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | LARIMER CO |
| Recording Date | Jun 28, 2022 |
| Property Address | 640 TRAPPERS PL, WINDSOR, CO 80550-5955 |
| Document Number | 0000040787 |
| Instrument Date | Jun 27, 2022 |
| Instrument | 20220040787 |
| Transaction Type | Transfer |
| Record Updated | Jul 5, 2022 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $74.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 640 TRAPPERS PL, WINDSOR, CO 80550-5955 |
| Document Number | 0000040788 |
|---|---|
| Date | Jun 28, 2022 |
| Instrument | 20220040788 |
| Name | FIRSTBANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Type Change Date | Jul 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.25% |
| Index | 1-Year CMT |
| Max Rate | 7.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LARIMER CO |
| Property Address | 640 TRAPPERS PL, WINDSOR, CO 80550-5955 |
| Transaction Type | Mortgage |
| Record Updated | Nov 26, 2021 |
| Title Company | LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO |
| Name | Verified Name |
|---|---|
| Address | 640 TRAPPERS PL, WINDSOR, CO 80550-5955 |
| Document Number | 0000106482 |
|---|---|
| Date | Nov 22, 2021 |
| Instrument | 20210106482 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | ANN ARBOR, MI 48105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 1, 2036 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LARIMER CO |
| Recording Date | Oct 9, 2020 |
| Property Address | 640 TRAPPERS PL, WINDSOR, CO 80550-5955 |
| Document Number | 0000082747 |
| Instrument Date | Sep 30, 2020 |
| Instrument | 20200082747 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 640 TRAPPERS PL, WINDSOR, CO 80550-5955 |
| Investor | Possibly a Property Investor |
| Document Number | 0000082748 |
|---|---|
| Date | Oct 9, 2020 |
| Instrument | 20200082748 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 1, 2035 |
Source: Larimer County assessment roll, as of August 25, 2025
| Type | Name |
|---|---|
| State | Colorado |
| County | Larimer County |
| Municipality | Windsor Town |
| Unified School District | Poudre School District R-1 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,637.00 (+10.38%) | $41,488 (-6.64%) Land $3,900 Building $37,588 | $663,800 (+0.08%) Land $62,400 Building $601,400 |
| 2023 | $4,201.00 (+30.55%) | $44,441 (+46.93%) Land $4,181 Building $40,260 | $663,300 (+52.41%) Land $62,400 Building $600,900 |
| 2022 | $3,218.00 | $30,247 Land $4,337 Building $25,910 | $435,200 Land $62,400 Building $372,800 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 91% of Colorado |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF WINDSOR serves 23,500 people · EPA ID CO0162843 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Nov 2022 |
| Lead | 6 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 193 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Vistabeam Fixed Wireless | 500 / 80 |
| Verizon Fixed Wireless | 300 / 20 |
| Rise Broadband Fixed Wireless | 100 / 20 |
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