651 Elm St, Denver, CO 80220 Property Records

Denver City property record for 651 Elm St, Denver, CO 80220

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,024 sqft · built 1939
Lot Size	0.134 acres (5,850 sqft)
Owner	2 Individual Names on File
Last Sale	$885,000 (Aug 2023)
Tax Bill	$4,318 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Aug 2023 Sale & Mortgage + 1 more
APN	`06064-27-019-000`

Property Details

APN / Parcel Number

Primary APN	`06064-27-019-000`
Alternative APNs	`670406427019` `161772265`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,024 sqft Living Area
Gross Area	1,012 sqft
1st Floor Area	1,012 sqft
Basement Area	1,012 sqft
Finished Basement	1,012 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 2008
Exterior Material	Brick
Lot Area	5,850 sqft (0.134 acres)
Garage Type	Detached
Garage Area	384 sqft
Patio Area	86 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	651 ELM ST
City	DENVER
State	CO
Zip	80220-5144
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	E-SU-D1X
Legal Description	LT 27 & 28 EXC REAR 8FT TO CITY BLK 20 PORTER & RAYMONDS 2ND ADD TO MONTCLAIR
Legal Subdivision	PORTER & RAYMONDS 2ND ADD
Legal Block	20
Legal Lot Number	27,28
Jurisdiction	DENVER CO
Township / Civil Division	DENVER
Census Block Group	3
Census Block	3011
Census Tract	4302

Owner

651 Elm St is owned and occupied by two individuals who bought it in August 2023.

Source: Denver City records, as of May 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	651 ELM ST, DENVER, CO 80220-5144
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP
Aug 8, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 4, 2017	Deed of Trust, Mortgage · Line of Credit FIRSTBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2023 · Amount on File
Deed Sale	Aug 8, 2023 · Amount on File
Prior Sale	Sep 16, 2015 · Amount on File
Deed Document Number	202373649
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENVER CO
Property Address	651 ELM ST, DENVER, CO 80220-5144
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	FIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000081964
Date	Apr 28, 2021
Instrument	2021081964

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DENVER CO
Recording Date	Aug 8, 2023
Property Address	651 ELM ST, DENVER, CO 80220-5144
Document Number	0000073649
Instrument Date	Aug 4, 2023
Instrument	2023073649
Transaction Type	Transfer
Record Updated	Aug 17, 2023
Title Company	GUARDIAN LAND TITLE, GUARDIAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$88.50
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	651 ELM ST, DENVER, CO 80220-5144

Mortgage

Document Number	0000073650
Date	Aug 8, 2023
Instrument	2023073650

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENVER CO
Property Address	651 ELM ST, DENVER, CO 80220-5144
Document Number	0000053494
Instrument Date	Apr 4, 2017
Transaction Type	Mortgage
Record Updated	Aug 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 ELM ST DENVER CO 802205144, DENVER, CO 80220-5144

Mortgage

Document Number	0000053494
Date	Apr 24, 2017
Instrument	53494

Lender

Name	FIRSTBANK
Type	Bank
Address	LAKEWOOD, CO 80215

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Apr 23, 2032

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 651 Elm St was $4,318.

Source: Denver City assessment roll, as of May 29, 2026

Property Jurisdictions

Type	Name
State	Colorado
County / Municipality	Denver City
Unified School District	Denver County School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,318.00	$56,450 Land $41,020 Building $41,020	$800,800 Land $581,900 Building $218,900
2023	$4,178.00	$53,930 (+27.49%) Land $35,300 Building $18,630	$860,000 (+41.31%) Land $581,900 Building $278,100
2022		$42,300 Land $22,240 Building $20,060	$608,600 Land $320,000 Building $288,600
2021	$3,246.00

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 has no flood map on file for 651 Elm St.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 651 Elm St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.6% of Colorado
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	DENVER WATER BOARD serves 1,287,000 people · EPA ID CO0116001
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	33 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 723 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
CenturyLink Fiber · DSL in parts of the area	2,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
T-Mobile Fixed Wireless	100 / 20

May also be available: Aerux Broadband, Starry.

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