646 Wagon Bend Rd, Berthoud, CO 80513 Property Records

Larimer County property record for 646 Wagon Bend Rd, Berthoud, CO 80513

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,293 sqft · built 2017
Lot Size	0.139 acres (6,050 sqft)
Owner	2 Individual Names on File
Last Sale	$393,813 (Sep 2017)
Tax Bill	$5,697 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Apr 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`94023-22-013`

Property Details

APN / Parcel Number

Primary APN	`94023-22-013`
Alternative APN	`R1663274`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,293 sqft Living Area
Gross Area	3,765 sqft
Basement Area	845 sqft
Interior Walls	Wallboard/Drywall
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Bi-Level
Exterior Material	Frame Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,050 sqft (0.139 acres)
Garage Type	Attached
Garage Area	627 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Slab
Porch Area	280 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R1663274
Street Address	646 WAGON BEND RD
City	BERTHOUD
State	CO
Zip	80513-2688
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13, BLOCK 12, PRAIRIESTAR FILING NO 3, BER (20160065028)
Legal Range	69W
Legal Township	4N
Legal Section	2
Legal Subdivision	PRAIRIESTAR FILING NO 3
Legal Block	12
Legal Lot Number	13
Jurisdiction	LARIMER CO
Township / Civil Division	BERTHOUD
Census Block Group	2
Census Block	2009
Census Tract	2602

Owner

646 Wagon Bend Rd is owned and occupied by two individuals who bought it in September 2017.

Source: Larimer County records, as of October 12, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	646 WAGON BEND RD, BERTHOUD, CO 80513-2688
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Deed of Trust, Mortgage · Line of Credit WEST CAPITAL LENDING INC
Apr 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage CAKE MORTGAGE CORP
Sep 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Sep 20, 2017	Grant Deed, Subdivision Related Transfer · Conventional Mortgage CALIBER HM LOANS
Apr 20, 2017	Trustee's Deed, Construction Loan · Line of Credit COLLEGIATE PEAKS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2017 · Amount on File
Deed Sale	Sep 20, 2017 · Amount on File
Deed Document Number	201763099
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	646 WAGON BEND RD, BERTHOUD, CO 80513-2688
Transaction Type	Mortgage
Record Updated	Feb 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006688
Date	Feb 17, 2026
Instrument	20260006688

Lender

Name	WEST CAPITAL LENDING INC
Type	Mortgage Company
Address	IRVINE, CA 92614

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Mar 6, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	646 WAGON BEND RD, BERTHOUD, CO 80513-2688
Transaction Type	Mortgage
Record Updated	Apr 21, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 WAGON BEND RD, BERTHOUD, CO 80513-2688

Mortgage

Document Number	0000024141
Date	Apr 15, 2022
Instrument	20220024141

Lender

Name	CAKE MORTGAGE CORP
Type	Mortgage Company
Address	CHATSWORTH, CA 91311

Agreement

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

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	646 WAGON BEND RD, BERTHOUD, CO 80513-2688
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	GUARDIAN TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000078764
Date	Sep 28, 2020
Instrument	20200078764

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

September 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	LARIMER CO
Recording Date	Sep 20, 2017
Property Address	646 WAGON BEND RD, BERTHOUD, CO 80513-2688
Document Number	0000063099
Instrument Date	Sep 19, 2017
Instrument	63099
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 27, 2017
Title Company	LAND TITLE GUARANTEE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$39.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	646 WAGON BEND RD BERTHOUD CO 80513, BERTHOUD, CO 80513

Mortgage

Document Number	63100
Date	Sep 20, 2017
Instrument	63100

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 19, 2047

April 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LARIMER CO
Recording Date	Apr 20, 2017
Property Address	646 WAGON BEND RD, BERTHOUD, CO 80513-2688
Instrument Date	Apr 14, 2017
Instrument	25499
Transaction Type	Construction Loan
Record Updated	Mar 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	646 WAGON BEND RD BERTHOUD CO 80513, BERTHOUD, CO 80513
Investor	Possibly a Property Investor

Mortgage

Document Number	0000025499
Date	Apr 20, 2017
Instrument	25499

Lender

Name	COLLEGIATE PEAKS BK
Type	Bank
Address	DENVER, CO 80246

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Apr 19, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 646 Wagon Bend Rd was $5,697, up 2.9% from the year before.

Source: Larimer County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Colorado
Municipality	Berthoud Town
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	$5,697.00 (+2.91%)	$35,556 Land $7,650 Building $27,906	$568,900 Land $122,400 Building $446,500
2024	$5,536.00 (+2.22%)
2023	$5,416.00 (+21.6%)	$39,142 (+29.47%) Land $8,201 Building $30,941	$584,200 (+34.3%) Land $122,400 Building $461,800
2022	$4,454.00	$30,232 Land $6,616 Building $23,616	$435,000 Land $95,200 Building $339,800

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

FEMA maps place 646 Wagon Bend Rd in Zone X, an area of minimal flood risk.

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	4 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 646 Wagon Bend Rd is moderate, ranking above 52% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 52% of the US · lower than 64% of Colorado
Wildfire Likelihood	0.1% 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	TOWN OF BERTHOUD serves 14,211 people · EPA ID CO0135138
Water Source	Surface water
Last State Inspection	Dec 2021
Lead	10 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · Jul 2019
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Vistabeam Fixed Wireless	500 / 80
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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