645 S Co Rd 31, Berthoud, CO 80513 Property Records

Larimer County property record for 645 S Co Rd 31, Berthoud, CO 80513

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,130 sqft · built 2000
Lot Size	35 acres (1,524,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$352,500 (Oct 2011)
Tax Bill	$6,352 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Sep 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04220-00-008`

Property Details

APN / Parcel Number

Primary APN	`04220-00-008`
Alternative APN	`R0485799`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,130 sqft Living Area
Upper Floors Area	1,176 sqft
Basement Area	2,131 sqft
Finished Basement	2,130 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Rolled Roofing
Lot Area	1,524,600 sqft (35 acres)
Terrain	Gentle Slope

Exterior Amenities

Pool Area	450 sqft
Porch	Porch
Porch Area	1,176 sqft
Patio Area	1,176 sqft
Balcony	Balcony
Balcony Area	1,176 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	R0485799
Old Parcel Number	0422000008
Street Address	645 S COUNTY ROAD 31
City	BERTHOUD
State	CO
Zip	80513-8728
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG AT W 1/4 COR 22-4-70, TH ALG W LN OF SW 1/4 S 3 38' 38 W 1333.6 F TO NW COR OF SW 1/4 OF SW 1/4 & TPOB, TH S 3 38' 38 W 1
Legal Range	70
Legal Township	04
Legal Section	22
Legal Lot Number	008
Jurisdiction	LARIMER CO
Township / Civil Division	BERTHOUD
Census Block Group	1
Census Block	1042
Census Tract	2601

Owner

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	2 Individual Names on Record
Mailing Address	645 S COUNTY ROAD 31, BERTHOUD, CO 80513-8728
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Sep 14, 2018	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
May 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2011 · Amount on Record
Deed Sale	Oct 14, 2011 · Amount on Record
Prior Sale	Jul 24, 1996
Deed Document Number	20110062692
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	645 S COUNTY ROAD 31, BERTHOUD, CO 80513-8728
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000058778
Date	Jun 16, 2021
Instrument	20210058778

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	645 S COUNTY ROAD 31, BERTHOUD, CO 80513-8728
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000056957
Date	Sep 14, 2018
Instrument	20180056957

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2033

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	645 S COUNTY ROAD 31, BERTHOUD, CO 80513-8728
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031240
Date	May 6, 2020
Instrument	20200031240

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2035

Tax Assessment & Valuation

Source: Larimer County assessment roll, as of August 25, 2025

Property Jurisdictions

Type	Name
State	Colorado
County	Larimer County
Unified School District	Thompson School District R-2J (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,352.00 (-3.55%)	$69,306 (-15.89%) Land $1,500 Building $67,806	$1,108,900 (-9.84%) Land $24,000 Building $1,084,900
2023	$6,586.00 (+37.38%)	$82,403 (+48.24%) Land $1,608 Building $80,795	$1,229,900 (+53.78%) Land $24,000 Building $1,205,900
2022	$4,794.00	$55,586 Land $1,668 Building $53,918	$799,800 Land $24,000 Building $775,800

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.

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	2 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

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

Wildfire Risk	High above 89% of the US · above 93% of Colorado
Wildfire Likelihood	1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Hilltop Broadband Fixed Wireless	50 / 15
Rise Broadband Fixed Wireless	50 / 10

Cell Coverage

No cell data coverage reported

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