Clear Creek County property record for 6434 US 40, Empire, CO 80438
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,451 sqft · built 1997 |
| Lot Size | 1.96 acres (85,378 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $750,000 (Sep 2019) |
| Tax Bill | $4,264 (2025) |
| Deeds & Mortgages | Nov 2019 Line of Credit Sep 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone A (high risk) |
| APN | 1839-204-01-016 |
| Primary APN | 1839-204-01-016 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,451 sqft Living Area |
| Basement Area | 864 sqft |
| Finished Basement | 864 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Traditional |
| Exterior Material | Logs |
| Roof Material | Composition Shingle |
| Lot Area | 85,378 sqft (1.96 acres) |
| View / Lot | Creek |
| Garage Area | 1,080 sqft |
| Parking Spaces | 4 Parking Spaces |
| Deck Area | 808 sqft |
| Patio Area | 808 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | R016218 |
|---|---|
| Street Address | 6434 US 40 |
| City | EMPIRE |
| State | CO |
| Zip | 80438 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MR-1 |
| Legal Description | SUBDIVISION: RED MOUNTAIN LOT: 4 THRU:- LOT: 7 & IMP 542/995 AGREE 549/857 ESMT 582/780 - AGREE 728/104 |
| Legal Subdivision | RED MOUNTAIN |
| Legal Lot Number | 4,7 |
| Jurisdiction | CLEAR CREEK CO |
| Township / Civil Division | GEORGETOWN |
| Census Block Group | 3 |
| Census Block | 3019 |
| Census Tract | 14900 |
6434 US 40 is owned by two individuals who bought it in September 2019.
Source: Clear Creek County records, as of February 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 155, IDAHO SPRINGS, CO 80452-0155 |
| 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.
| Date | Document |
|---|---|
| Nov 21, 2019 | Deed of Trust, Mortgage · Line of Credit CANVAS CU |
| Sep 4, 2019 | Warranty Deed, Transfer · Conventional Mortgage NOVA FINANCIAL & INVESTMENT CORP |
| Jul 17, 2017 | Warranty Deed, Transfer LAND TITLE GUARANTEE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 4, 2019 · Amount on File |
| Deed Sale | Sep 4, 2019 · Amount on File |
| Deed Document Number | 2019292752 |
| Deed Book / Page | 970 / 591 |
| Prior Transfer Date | Jun 11, 2009 |
| Prior Transfer Doc | 0008080489 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEAR CREEK CO |
| Property Address | 6434 US HIGHWAY 40, EMPIRE, CO 80438 |
| Document Number | 0009750424 |
| Instrument Date | Nov 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 6434 US 40 EMPIRE CO 80438, EMPIRE, CO 80438 |
| Document Number | 0009750424 |
|---|---|
| Date | Nov 27, 2019 |
| Book Page | 000975/000424 |
| Instrument | 293807 |
| Name | CANVAS CU |
|---|---|
| Address | ENGLEWOOD, CO 80155 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 26, 2039 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEAR CREEK CO |
| Recording Date | Sep 4, 2019 |
| Property Address | 6434 US HIGHWAY 40, EMPIRE, CO 80438 |
| Document Number | 0009700591 |
| Book / Page | 00970 / 0591 |
| Map Reference | MB 728 PG 104 |
| Instrument Date | Aug 26, 2019 |
| Instrument | 292752 |
| Transaction Type | Transfer |
| Record Updated | Mar 14, 2022 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $75.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 6434 US HIGHWAY 40, 40, EMPIRE, CO 80438 |
| Document Number | 0000292753 |
|---|---|
| Date | Sep 4, 2019 |
| Instrument | 292753 |
| Name | NOVA FINANCIAL & INVESTMENT CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEAR CREEK CO |
| Recording Date | Jul 17, 2017 |
| Property Address | 6434 US HIGHWAY 40, EMPIRE, CO 80438 |
| Document Number | 0009360699 |
| Book / Page | 000936 / 000699 |
| Instrument Date | Jul 14, 2017 |
| Instrument | 284793 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2017 |
| Title Company | LAND TITLE GUARANTEE |
| Amount | Amount on Record |
|---|---|
| Tax | $66.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6434 US 40 EMPIRE CO 80438, EMPIRE, CO 80438 |
The 2025 property tax bill for 6434 US 40 was $4,264.
Source: Clear Creek County assessment roll, as of February 9, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Clear Creek County |
| Unified School District | Clear Creek School District RE-1 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,264.00 | $54,190 Land $4,610 Building $49,580 | $866,960 Land $73,760 Building $793,200 |
| 2023 | $3,845.00 (-4.16%) | $52,960 (-3.22%) Land $4,620 Building $48,340 | $790,410 (+0.4%) Land $68,960 Building $721,450 |
| 2022 | $4,012.00 | $54,720 Land $5,130 Building $49,590 | $787,250 Land $73,760 Building $713,490 |
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.
FEMA maps place 6434 US 40 in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective December 20, 2019
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 6434 US 40 is moderate, ranking above 67% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 59% of Colorado |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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