651 Ryan Gulch Rd, Silverthorne, CO 80498 Property Records

Summit County property record for 651 Ryan Gulch Rd, Silverthorne, CO 80498

Property Summary

Property Type	Residential Multi-Family Vacant Land
Details	3 bd · 2 ba · 2,626 sqft · built 1973
Lot Size	0.13 acres (5,662 sqft)
Owner	2 Individual Names on Record
Last Sale	$950,000 (Feb 2022)
Tax Bill	$4,742 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2097-1410-09-037`

Property Details

APN / Parcel Number

Primary APN	`2097-1410-09-037`
Alternative APN	`600344`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,626 sqft Gross Area
1st Floor Area	1,186 sqft
Basement Area	1,164 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1989
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Roof Type	Flat
Roof Material	Asphalt
Lot Area	5,662 sqft (0.13 acres)
Terrain	Gentle Slope
View / Lot	Average
Garage Type	Attached
Garage Area	276 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Heating System	Hot Water
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	651 RYAN GULCH RD
City	SILVERTHORNE
State	CO
Zip	80498-5152
Property Category	Residential
Property Type	Vacant Land > Residential Multi-Family
Local Zoning Code	R-6
Legal Description	LOT 23 BLOCK 5 WILDERNEST SUB # 1 LKA PT L 23 AKA TRACT A
Legal Subdivision	WILDERNEST SUB
Legal Tract	A
Legal Block	5
Legal Lot Number	23
Jurisdiction	SUMMIT CO
Township / Civil Division	SILVERTHORNE
Census Block Group	1
Census Block	1001
Census Tract	101

Owner

Source: Summit County records, as of October 13, 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 Record
Mailing Address	870 S HARRISON ST, DENVER, CO 80209-5022
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2022	Warranty Deed, Transfer · Conventional Mortgage BOKF NA
Nov 24, 2020	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 2, 2018	Quit Claim Deed, Transfer · ARM FIRSTBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2022 · Amount on Record
Deed Sale	Feb 2, 2022 · Amount on Record
Prior Sale	Nov 24, 2020 · Amount on Record
Deed Document Number	20221281509
Prior Transfer Date	Dec 14, 2017
Prior Transfer Doc	0001160248
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMMIT CO
Recording Date	Feb 2, 2022
Property Address	651 RYAN GULCH RD, SILVERTHORNE, CO 80498-5152
Document Number	0001281509
Instrument Date	Jan 31, 2022
Instrument	1281509
Transaction Type	Transfer
Record Updated	Feb 10, 2022
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5837 S KENTON WAY, 5837, ENGLEWOOD, CO 80111-3950

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	870 S HARRISON ST, DENVER, CO 80209-5022

Mortgage

Document Number	0001281510
Date	Feb 2, 2022
Instrument	1281510

Lender

Name	BOKF NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMMIT CO
Recording Date	Nov 24, 2020
Property Address	651 RYAN GULCH RD, SILVERTHORNE, CO 80498-5152
Document Number	0001242588
Instrument Date	Nov 20, 2020
Instrument	1242588
Transaction Type	Transfer
Record Updated	Mar 21, 2022
Title Company	LAND TITLE GUARANTEE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	651 RYAN GULCH RD, 651, SILVERTHORNE, CO 80498-5152

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5837 S KENTON WAY, ENGLEWOOD, CO 80111-3950

Mortgage

Document Number	0001242589
Date	Nov 24, 2020
Instrument	1242589

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SUMMIT CO
Recording Date	Jan 2, 2018
Property Address	651 RYAN GULCH RD, SILVERTHORNE, CO 80498-5152
Document Number	0001160248
Instrument Date	Dec 14, 2017
Instrument	1160248
Transaction Type	Transfer
Record Updated	Mar 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	651 RYAN GULCH RD, 651, SILVERTHORNE, CO 80498-5152

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 RYAN GULCH RD, SILVERTHORNE, CO 80498-5152

Mortgage

Document Number	0001160249
Date	Jan 2, 2018
Instrument	1160249

Lender

Name	FIRSTBANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jan 1, 2023
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	8.25%

Tax Assessment & Valuation

Source: Summit County assessment roll, as of June 16, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Summit County
Unified School District	Summit School District RE-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,742.00 (+10.72%)	$73,154 (+13.95%)	$1,075,800 (+12.27%) Land $251,300 Building $824,500
2024	$4,283.00 (+0.97%)	$64,199 (-)
2023	$4,242.00 (+27.69%)	$64,199 (+39.39%)	$958,200 (+44.59%) Land $239,900 Building $718,300
2022	$3,322.00	$46,058	$662,700 Land $159,000 Building $503,700

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 May 12, 2024 · 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
Nearby Flood Policies	1 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 80% of the US · lower than 91% of Colorado
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 SILVERTHORNE serves 8,400 people · EPA ID CO0159095
Water Source	Groundwater
Last State Inspection	Jul 2022
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 460 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Arbor Mesh Internet Fixed Wireless	1,000 / 1,000

May also be available: Verizon.

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