651 Ranchhand Dr, Berthoud, CO 80513 Property Records

Larimer County property record for 651 Ranchhand Dr, Berthoud, CO 80513

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,985 sqft · built 2019
Lot Size	0.136 acres (5,955 sqft)
Owner	Individual Name on Record
Last Sale	$525,000 (Jul 2022)
Tax Bill	$5,082 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Mar 2022 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`94023-26-008`

Property Details

APN / Parcel Number

Primary APN	`94023-26-008`
Alternative APN	`R1663333`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,985 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,955 sqft (0.136 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R1663333
Street Address	651 RANCHHAND DR
City	BERTHOUD
State	CO
Zip	80513-2698
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8, BLOCK 16, PRAIRIESTAR FILING NO 3, BER (20160065028)
Legal Quarter	SW
Legal Subdivision	PRAIRIESTAR FILING NO 3
Legal Block	16
Legal Lot Number	8
Jurisdiction	LARIMER CO
Township / Civil Division	BERTHOUD
Census Block Group	2
Census Block	2113
Census Tract	2602

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	651 RANCHHAND DR, BERTHOUD, CO 80513-2698
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2022	Special Warranty Deed, Transfer · VA Mortgage BROKER SOLUTIONS INC
Mar 15, 2022	Deed of Trust, Mortgage · FHA Mortgage RUTH RUHI PC
Nov 9, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Apr 9, 2021	Deed of Trust, Mortgage · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Jan 22, 2020	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage FINANCIAL FUNDING SOLUTIONS INC
Jul 16, 2019	Grant Deed, Transfer LAND TITLE GUARANTEE
May 10, 2019	Grant Deed, Transfer LAND TITLE GUARANTEE
Jul 10, 2019	Loan Modification, Mortgage · Line of Credit COLLEGIATE PEAKS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2022 · Amount on Record
Deed Sale	Jul 8, 2022 · Amount on Record
Prior Sale	Jan 22, 2020 · Amount on Record
Deed Document Number	20220042902
Record Updated	Jun 8, 2026

July 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Jul 8, 2022
Property Address	651 RANCHHAND DR, BERTHOUD, CO 80513-2698
Document Number	0000042902
Instrument Date	Jul 6, 2022
Instrument	20220042902
Transaction Type	Transfer
Record Updated	Jul 14, 2022
Title Company	GUARDIAN LAND TITLE, GUARDIAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$52.50
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 RANCHHAND DR, BERTHOUD, CO 80513-2698

Mortgage

Document Number	0000042903
Date	Jul 8, 2022
Instrument	20220042903

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	651 RANCHHAND DR, BERTHOUD, CO 80513-2698
Transaction Type	Mortgage
Record Updated	Mar 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 RANCHHAND DR, BERTHOUD, CO 80513-2698

Mortgage

Document Number	0000016866
Date	Mar 15, 2022
Instrument	20220016866

Lender

Name	RUTH RUHI PC
Type	Private Party
Address	DALLAS, TX 75251

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	350 Months
Due	May 1, 2051

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	651 RANCHHAND DR, BERTHOUD, CO 80513-2698
Transaction Type	Mortgage
Record Updated	Nov 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 RANCHHAND DR, BERTHOUD, CO 80513-2698

Mortgage

Document Number	0000102530
Date	Nov 9, 2021
Instrument	20210102530

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	May 1, 2051

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	651 RANCHHAND DR, BERTHOUD, CO 80513-2698
Transaction Type	Mortgage
Record Updated	Apr 19, 2021
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036300
Date	Apr 9, 2021
Instrument	20210036300

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

January 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Jan 22, 2020
Property Address	651 RANCHHAND DR, BERTHOUD, CO 80513-2698
Document Number	0000004723
Instrument Date	Jan 21, 2020
Instrument	20200004723
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 28, 2022
Title Company	LAND TITLE GUARANTEE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$35.84
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	651 RANCHHAND DR, BERTHOUD, CO 80513-2698

Mortgage

Document Number	0000004724
Date	Jan 22, 2020
Instrument	20200004724

Lender

Name	FINANCIAL FUNDING SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Mortgage

Document Number	0000004725
Date	Jan 22, 2020
Instrument	20200004725

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LARIMER CO
Recording Date	Jul 16, 2019
Property Address	651 RANCHHAND DR, BERTHOUD, CO 80513-2698
Document Number	0000040114
Instrument Date	Jul 10, 2019
Instrument	40114
Transaction Type	Transfer
Record Updated	Jul 24, 2019
Title Company	LAND TITLE GUARANTEE

Transaction

Amount	Amount Recorded
Tax	$52.95
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	428 KIMBARK ST LONGMONT CO 805015526, LONGMONT, CO 80501-5526
Investor	Possibly a Property Investor

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LARIMER CO
Recording Date	May 10, 2019
Property Address	651 RANCHHAND DR, BERTHOUD, CO 80513-2698
Document Number	0000024444
Instrument Date	May 9, 2019
Instrument	24444
Transaction Type	Transfer
Record Updated	May 20, 2019
Title Company	LAND TITLE GUARANTEE

Transaction

Amount	Amount Recorded
Tax	$256.20
Amount Accuracy	Confirmed
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	708 MAIN ST EVANSTON IL 602021702, EVANSTON, IL 60202-1702

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LARIMER CO
Recording Date	Jul 10, 2019
Property Address	651 RANCHHAND DR, BERTHOUD, CO 80513-2698
Instrument Date	Jul 9, 2018
Instrument	38633
Transaction Type	Mortgage
Record Updated	Jul 23, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

Mortgage

Document Number	0000038633
Date	Jul 10, 2019
Instrument	38633

Lender

Name	COLLEGIATE PEAKS BK
Type	Bank
Address	3350 BRIGHTON BLVD # 135, DENVER, CO 80216-5069

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

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	$5,082.00 (+4.5%)	$31,719 (-10.71%) Land $7,650 Building $24,069	$507,500 (-4.28%) Land $122,400 Building $385,100
2023	$4,863.00 (+20.61%)	$35,524 (+29.8%) Land $8,201 Building $27,323	$530,200 (+34.64%) Land $122,400 Building $407,800
2022	$4,032.00	$27,369 Land $6,616 Building $20,753	$393,800 Land $95,200 Building $298,600

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 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

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

Wildfire Risk	Low lower than 64% of the US · lower than 81% of Colorado
Wildfire Likelihood	0.03% 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	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 515 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

May also be available: CenturyLink, T-Mobile.

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