645 J Ave, Limon, CO 80828 Property Records

Lincoln County property record for 645 J Ave, Limon, CO 80828

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,680 sqft · built 1960
Lot Size	0.163 acres (7,100 sqft)
Owner	2 Individual Names on File
Last Sale	$190,000 (Dec 2025)
Tax Bill	$1,053 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Jul 2023 Sale & Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`R002035`

Property Details

APN / Parcel Number

Primary APN	`R002035`
Alternative APN	`258517242003`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,680 sqft Total Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	264 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	R002035
Street Address	645 J AVE
City	LIMON
State	CO
Zip	80828
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 BLK 42 PERSHINGS ADDITION TO THE TOWN OF LIMON, CO.
Legal Subdivision	PERSHINGS
Legal Block	42
Legal Lot Number	4
Jurisdiction	LINCOLN CO
Township / Civil Division	LIMON
Census Block Group	3
Census Block	3016
Census Tract	961700

Owner

645 J Ave is owned and occupied by two individuals who bought it in December 2025.

Source: Lincoln County records, as of August 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	645 J AVE, LIMON, CO 80828
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 31, 2025	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Jul 11, 2023	Warranty Deed, Transfer · Conventional Mortgage ZENITH HOME LOANS
Jan 19, 2022	Quit Claim Deed, Transfer · Conventional Mortgage EQUITABLE SLA
Jan 11, 2021	Special Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCING CORP
Jul 9, 2020	Special Warranty Deed, Foreclosure
Jun 18, 2020	Foreclosure
Jan 6, 2017	Warranty Deed, Transfer
Jan 6, 2017	Warranty Deed, Transfer · FHA Mortgage CATALYST LENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2025 · Amount on File
Deed Sale	Dec 31, 2025 · Amount on File
Prior Sale	Jul 11, 2023 · Amount on File
Deed Document Number	2025362431
Prior Transfer Date	Dec 28, 2021
Prior Transfer Doc	0000356339
Record Updated	Sep 20, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN CO
Recording Date	Dec 31, 2025
Property Address	645 J AVE, LIMON, CO 80828
Document Number	0000362431
Instrument Date	Dec 16, 2025
Instrument	362431
Transaction Type	Transfer
Record Updated	Jan 12, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$19.00
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	645 J AVE, LIMON, CO 80828

Mortgage

Document Number	0000362432
Date	Dec 31, 2025
Instrument	362432

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN CO
Recording Date	Jul 11, 2023
Property Address	645 J AVE, LIMON, CO 80828
Document Number	0000358764
Instrument Date	Jul 7, 2023
Instrument	358764
Transaction Type	Transfer
Record Updated	Jul 31, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$17.52
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 J AVE, LIMON, CO 80828

Mortgage

Document Number	0000358765
Date	Jul 11, 2023
Instrument	358765

Lender

Name	ZENITH HOME LOANS
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Mortgage

Document Number	0000358766
Date	Jul 11, 2023
Instrument	358766

Lender

Name	COLORADO HOUSING & FINANCE AUTHORITY
Type	Government Agency
Address	DENVER, CO 80202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LINCOLN CO
Recording Date	Jan 19, 2022
Property Address	645 J AVE, LIMON, CO 80828
Document Number	0000356339
Instrument Date	Dec 28, 2021
Instrument	356339
Transaction Type	Transfer
Record Updated	Feb 1, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1314, LIMON, CO 80828-1314

Mortgage

Document Number	0000356340
Date	Jan 19, 2022
Instrument	356340

Lender

Name	EQUITABLE SLA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

January 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LINCOLN CO
Recording Date	Jan 11, 2021
Property Address	645 J AVE, LIMON, CO 80828
Document Number	354464
Instrument Date	Jan 4, 2021
Instrument	354464
Transaction Type	Transfer
Record Updated	May 25, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 J AVE, LIMON, CO 80828
Investor	Possibly a Property Investor

Mortgage

Document Number	354465
Date	Jan 11, 2021
Instrument	354465

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Mortgage

Document Number	0000354466
Date	Jan 11, 2021
Instrument	354466

Lender

Name	COLORADO HOUSING & FINANCE AUTHORITY
Type	Government Agency
Address	0202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

July 2020: Special Warranty Deed, Foreclosure

Document Type	Special Warranty Deed
Jurisdiction	LINCOLN CO
Recording Date	Jul 9, 2020
Property Address	645 J AVE, LIMON, CO 80828
Document Number	353588
Instrument Date	Jul 1, 2020
Instrument	353588
Transaction Type	Foreclosure
Record Updated	May 25, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 CORPORATE DR STE 360, 1, LAKE ZURICH, IL 60047-8945

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2401 NW 23RD ST STE 1D, 1D, OKLAHOMA CITY, OK 73107-2420
Investor	Possibly a Property Investor

June 2020: Foreclosure

Document Type	Foreclosure
Jurisdiction	LINCOLN CO
Recording Date	Jun 18, 2020
Property Address	645 J AVE, LIMON, CO 80828
Document Number	0000353512
Instrument Date	Jun 18, 2020
Instrument	353512
Transaction Type	Foreclosure
Record Updated	Sep 14, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 CORPORATE DR STE 360, 360, LAKE ZURICH, IL 60047-8945

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN CO
Recording Date	Jan 6, 2017
Property Address	645 J AVE, LIMON, CO 80828
Document Number	347991
Instrument Date	Jan 5, 2017
Instrument	347991
Transaction Type	Transfer
Record Updated	May 25, 2021

Transaction

Amount	Amount on Record
Tax	$6.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1077, LIMON, CO 80828-1077

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN CO
Recording Date	Jan 6, 2017
Property Address	645 J AVE, LIMON, CO 80828
Document Number	347990
Instrument Date	Jan 5, 2017
Instrument	347990
Transaction Type	Transfer
Record Updated	May 25, 2021

Transaction

Amount	Amount on Record
Tax	$6.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1077, LIMON, CO 80828-1077

Mortgage

Document Number	347992
Date	Jan 6, 2017
Instrument	347992

Lender

Name	CATALYST LENDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 645 J Ave was $1,053, up 85.7% from the year before.

Source: Lincoln County assessment roll, as of March 3, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Lincoln County
Municipality	Limon Town
Unified School District	Limon School District RE-4J (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,053.00 (+85.71%)	$10,310 (+72.96%) Land $643 Building $9,667	$164,974 (+85.43%) Land $10,295 Building $154,679
2024	$567.00 (+8.21%)	$5,961 (-) Land $426 Building $5,535	$88,968 (-) Land $6,362 Building $82,606
2023	$524.00 (-25.67%)	$5,961 (-26.51%) Land $426 Building $5,535	$88,968 (-23.76%) Land $6,362 Building $82,606
2022	$705.00	$8,111 Land $716 Building $7,395	$116,701 Land $10,295 Building $106,406

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

Flood

FEMA maps place 645 J Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 11, 2024 · 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
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.

Wildfire

Wildfire risk around 645 J Ave is low, with a 0.02% annual chance of wildfire.

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	0.02% annual chance
Exposure	Indirect 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	TOWN OF LIMON serves 5,080 people · EPA ID CO0137015
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 193 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Conexon Connect Fiber	2,000 / 2,000
Viaero Wireless Fixed Wireless	150 / 40
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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