Larimer County property record for 656 S 10th St, Berthoud, CO 80513
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.75 ba · 3,329 sqft · built 2019 |
| Lot Size | 0.253 acres (11,021 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $755,000 (Mar 2022) |
| Tax Bill | $7,017 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Apr 2021 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 94233-33-028 |
| Primary APN | 94233-33-028 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.75 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 3,329 sqft Living Area |
| Gross Area | 4,365 sqft |
| 1st Floor Area | 1,885 sqft |
| Basement Area | 1,820 sqft |
| Finished Basement | 1,444 sqft |
| Unfinished Basement | 376 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Ranch |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,021 sqft (0.253 acres) |
| Garage Type | Attached |
| Garage Area | 660 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Slab |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R1659672 |
|---|---|
| Street Address | 656 S 10TH ST |
| City | BERTHOUD |
| State | CO |
| Zip | 80513-2727 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 28, BLOCK 3, ROSE FARM ACRES, BER (20150087956) |
| Legal Range | 69W |
| Legal Township | 4N |
| Legal Section | 23 |
| Legal Subdivision | ROSE FARM ACRES |
| Legal Block | 3 |
| Legal Lot Number | 28 |
| Jurisdiction | LARIMER CO |
| Township / Civil Division | BERTHOUD |
| Census Block Group | 4 |
| Census Block | 4027 |
| Census Tract | 2700 |
656 S 10th St is owned and occupied by two individuals who bought it in March 2022.
Source: Larimer County records, as of October 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 656 S 10TH ST, BERTHOUD, CO 80513-2727 |
| 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.
| Date | Document |
|---|---|
| Jun 8, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Apr 23, 2021 | Deed of Trust, Mortgage · Line of Credit CREDIT UNION OF DENVER |
| Mar 14, 2022 | Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC |
| Sep 1, 2020 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage HOME AMERICAN MORTGAGE CORP |
| Jun 27, 2019 | Grant Deed, Transfer STEWART TITLE |
| Aug 23, 2017 | Warranty Deed, Transfer LAND TITLE GUARANTEE |
| Aug 24, 2017 | Warranty Deed, Transfer LAND TITLE GUARANTEE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 14, 2022 · Amount on File |
| Deed Sale | Mar 14, 2022 · Amount on File |
| Prior Sale | Sep 1, 2020 · Amount on File |
| Deed Document Number | 202216418 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LARIMER CO |
| Property Address | 656 S 10TH ST, BERTHOUD, CO 80513-2727 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Title Company | UNKNOWN, ASCENDANT TITLE CO |
| Name | Verified Name |
|---|
| Document Number | 0000055881 |
|---|---|
| Date | Jun 8, 2021 |
| Instrument | 20210055881 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LARIMER CO |
| Property Address | 656 S 10TH ST, BERTHOUD, CO 80513-2727 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000041141 |
|---|---|
| Date | Apr 23, 2021 |
| Instrument | 20210041141 |
| Name | CREDIT UNION OF DENVER |
|---|---|
| Type | Credit Union |
| Address | DENVER, CO 80226 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 23, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LARIMER CO |
| Recording Date | Mar 14, 2022 |
| Property Address | 656 S 10TH ST, BERTHOUD, CO 80513-2727 |
| Document Number | 0000016418 |
| Map Reference | DOC 20150087956 |
| Instrument Date | Mar 11, 2022 |
| Instrument | 20220016418 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $75.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4745 BRISTOL BLVD, DAKOTA, MN 55925 |
| Document Number | 0000016419 |
|---|---|
| Date | Mar 14, 2022 |
| Instrument | 20220016419 |
| Name | PROSPERITY HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | LARIMER CO |
| Recording Date | Sep 1, 2020 |
| Property Address | 656 S 10TH ST, BERTHOUD, CO 80513-2727 |
| Document Number | 0000069559 |
| Map Reference | DOC 20150087956 |
| Instrument Date | Sep 1, 2020 |
| Instrument | 20200069559 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 11, 2022 |
| Title Company | AMERICAN HOME T&E CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $55.72 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4350 S MONACO ST, 4350, DENVER, CO 80237-3400 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 656 10TH ST, BERTHOUD, CO 80513-2727 |
| Document Number | 0000069560 |
|---|---|
| Date | Sep 1, 2020 |
| Instrument | 20200069560 |
| Name | HOME AMERICAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LARIMER CO |
| Recording Date | Jun 27, 2019 |
| Property Address | 656 S 10TH ST, BERTHOUD, CO 80513-2727 |
| Document Number | 0000035881 |
| Instrument Date | Jun 27, 2019 |
| Instrument | 35881 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2019 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $449.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 4350 S MONACO ST DENVER CO 802373400, DENVER, CO 80237-3400 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LARIMER CO |
| Recording Date | Aug 23, 2017 |
| Property Address | 656 S 10TH ST, BERTHOUD, CO 80513-2727 |
| Document Number | 0000056695 |
| Instrument Date | Aug 23, 2017 |
| Instrument | 56695 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2017 |
| Title Company | LAND TITLE GUARANTEE |
| Amount | Amount on Record |
|---|---|
| Tax | $135.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1710 WHITEFEATHER DR LONGMONT CO 805048805, LONGMONT, CO 80504-8805 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LARIMER CO |
| Recording Date | Aug 24, 2017 |
| Property Address | 656 S 10TH ST, BERTHOUD, CO 80513-2727 |
| Document Number | 0000056921 |
| Instrument Date | Aug 23, 2017 |
| Instrument | 56921 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2017 |
| Title Company | LAND TITLE GUARANTEE |
| Amount | Amount on Record |
|---|---|
| Tax | $169.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Partnership |
| Address | PO BOX 1944 LYONS CO 805401944, LYONS, CO 80540-1944 |
| Investor | Possibly a Property Investor |
The 2025 property tax bill for 656 S 10th St was $7,017.
Source: Larimer County assessment roll, as of February 9, 2026
| Type | Name |
|---|---|
| State | Colorado |
| Municipality | Berthoud Town |
| County | Larimer County |
| Unified School District | Thompson School District R-2J (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,017.00 | $41,913 Land $10,519 Building $31,394 | $670,600 Land $168,300 Building $502,300 |
| 2023 | $7,150.00 (+17.85%) | $47,088 (+30.34%) Land $11,276 Building $35,812 | $702,800 (+35.21%) Land $168,300 Building $534,500 |
| 2022 | $6,067.00 | $36,126 Land $8,486 Building $27,640 | $519,800 Land $122,100 Building $397,700 |
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.
FEMA maps place 656 S 10th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2025.
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 |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 1 (2025) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 2025 · other causes |
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 risk around 656 S 10th St is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 97.5% of Colorado |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 448 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
| Hilltop Broadband Fiber | 1,000 / 1,000 |
| Vistabeam Fixed Wireless | 500 / 80 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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