645 Pearl St, Boulder, CO 80302 Property Records

Boulder County property record for 645 Pearl St, Boulder, CO 80302

Property Summary

Property Type	Multi-Family Dwellings
Details	6 bd · 6 ba · 2,048 sqft · built 1970
Lot Size	0.152 acres (6,634 sqft)
Owner	Company Name on Record
Last Sale	$1,345,000 (Mar 2015)
Tax Bill	$13,646 (2025)
Deeds & Mortgages	Mar 2021 Line of Credit Feb 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`1461-25-4-36-016`

Property Details

APN / Parcel Number

Primary APN	`1461-25-4-36-016`
Alternative APNs	`R0005155` `0005155`

Interior

Bedrooms	6 Beds
Full Baths	6 Baths
Total Rooms	14 Rooms
Units	12 Units
Stories	1 Story
Building Area	2,048 sqft Living Area
1st Floor Area	2,048 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Wood Shingle
Construction Type	Frame
Lot Area	6,634 sqft (0.152 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Hot Water

Location & Zoning

Account Number	R0005155
Street Address	645 PEARL ST
City	BOULDER
State	CO
Zip	80302-5041
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	LOT 23 BLK 101 BOULDER WEST
Legal Range	70
Legal Township	1N
Legal Section	30
Legal Subdivision	BOULDER O T EAST & WEST & NORTH - BO
Legal Block	101
Legal Lot Number	23
Jurisdiction	BOULDER CO
Township / Civil Division	BOULDER
Census Block Group	1
Census Block	1001
Census Tract	12201

Owner

Source: Boulder County records, as of September 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	300 N STATE ST, 5607, CHICAGO, IL 60654-3002
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2021	Deed of Trust, Mortgage · Line of Credit MIDFIRST BANK
Feb 27, 2020	Loan Modification, Mortgage MAHLER ROBERT J TRUST (IT)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2015 · Amount on Record
Deed Sale	Mar 4, 2015 · Amount on Record
Prior Sale	Aug 24, 1971 · Amount on Record
Deed Document Number	20153430995
Prior Transfer Date	Feb 27, 2015
Prior Transfer Doc	0003430994
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOULDER CO
Property Address	645 PEARL ST, BOULDER, CO 80302-5041
Transaction Type	Mortgage
Record Updated	Sep 28, 2023
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003870052
Date	Mar 22, 2021
Instrument	3870052

Lender

Name	MIDFIRST BANK
Type	Bank
Address	OKLAHOMA CITY, OK 73162

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 19, 2031

February 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BOULDER CO
Property Address	645 PEARL ST, BOULDER, CO 80302-5041
Document Number	0003769629
Instrument Date	Feb 27, 2020
Transaction Type	Mortgage
Record Updated	Mar 17, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	645 PEARL ST BOULDER CO 803025041, BOULDER, CO 80302-5041

Mortgage

Document Number	0003769629
Date	Mar 3, 2020
Instrument	3769629

Lender

Name	MAHLER ROBERT J TRUST (IT)

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Mar 2, 2021

Interest

Rate	3.7%

Tax Assessment & Valuation

Source: Boulder County assessment roll, as of September 18, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Boulder County
Municipality	Boulder City
Unified School District	Boulder Valley School District RE-2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$147,274 (+5.39%) Land $51,414 Building $95,860	$2,235,800 (-) Land $826,100 Building $1,409,700
2025	$13,646.00 (-2.24%)	$139,737 (-13.66%) Land $51,631 Building $88,106	$2,235,800 (-7.44%) Land $826,100 Building $1,409,700
2023	$13,958.00 (+25.06%)	$161,839 (+38.37%) Land $62,143 Building $99,696	$2,415,500 (+40.44%) Land $927,500 Building $1,488,000
2022	$11,161.00	$116,957 Land $38,784 Building $78,173	$1,719,958 Land $570,358 Building $1,149,600

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

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 34 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	66 units insured incl. 32 condo units
Nearby Flood Claims	16 (1994–2017)
Claims Outside the SFHA	10 of 16
Most Recent Claim	Aug 2017 · other causes
Claims by Event	Severe Storms, Flooding, Landslides, And Mudslides, Sep 2013 · 12 claims

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

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

Wildfire Risk	High above 76% of the US · above 76% of Colorado
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation

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	CITY OF BOULDER serves 166,080 people · EPA ID CO0107152
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 684 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ayva Networks Fixed Wireless	2,500 / 2,500
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
Xfinity Cable	2,000 / 250
LiveWireNet Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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