685 Biscayne Ct, Berthoud, CO 80513 Property Records

Larimer County property record for 685 Biscayne Ct, Berthoud, CO 80513

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 4,148 sqft · built 2016
Lot Size	0.176 acres (7,677 sqft)
Owner	2 Individuals on Record
Last Sale	$799,999 (Mar 2026)
Tax Bill	$8,306 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Apr 2022 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`94234-14-006`

Property Details

APN / Parcel Number

Primary APN	`94234-14-006`
Alternative APN	`R1659771`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	4,148 sqft Living Area
Gross Area	5,086 sqft
1st Floor Area	2,242 sqft
Basement Area	2,242 sqft
Finished Basement	1,906 sqft
Unfinished Basement	336 sqft
Interior Walls	Wallboard/Drywall
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,677 sqft (0.176 acres)
Garage Type	Attached
Garage Area	602 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Slab
Porch Area	24 sqft
Patio Area	308 sqft
Balcony Area	308 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R1659771
Street Address	685 BISCAYNE CT
City	BERTHOUD
State	CO
Zip	80513-1477
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6, BLOCK 9, HERITAGE RIDGE SUB, BER (20150087953)
Legal Range	69W
Legal Township	4N
Legal Section	23
Legal Subdivision	HERITAGE RIDGE SUB
Legal Block	9
Legal Lot Number	6
Jurisdiction	LARIMER CO
Township / Civil Division	BERTHOUD
Census Block Group	4
Census Block	4034
Census Tract	2700

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individuals on Record
Mailing Address	685 BISCAYNE CT, BERTHOUD, CO 80513-1477
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2021	Deed of Trust, Mortgage · Line of Credit ELEVATIONS CU
Apr 28, 2022	Deed of Trust, Mortgage · Line of Credit BLUE FCU
Aug 8, 2025	Deed of Trust, Mortgage · Non-Conforming Investor Loan FARMERS BANK
Nov 26, 2024	Deed of Trust, Mortgage · Conventional Mortgage ADAMS BANK & TRUST
Mar 23, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 15, 2021	Special Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 16, 2018	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
May 25, 2017	Grant Deed, Subdivision Related Transfer UNIFIED TITLE COMPANY/FORT COLLINS, UNIFIED TITLE CO/FORT COLLINS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 23, 2026 · Amount on Record
Deed Sale	Mar 23, 2026 · Amount on Record
Prior Sale	Jun 18, 2024 · Amount on Record
Deed Document Number	202613173
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	685 BISCAYNE CT, BERTHOUD, CO 80513-1477
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000086680
Date	Sep 16, 2021
Instrument	20210086680

Lender

Name	ELEVATIONS CU
Type	Credit Union
Address	ALLOWAY, NJ 08001

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 15, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	685 BISCAYNE CT, BERTHOUD, CO 80513-1477
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 BISCAYNE CT, BERTHOUD, CO 80513-1477

Mortgage

Document Number	0000027329
Date	Apr 28, 2022
Instrument	20220027329

Lender

Name	BLUE FCU
Type	Credit Union
Address	CHEYENNE, WY 82001

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	685 BISCAYNE CT, BERTHOUD, CO 80513-1477
Transaction Type	Mortgage
Record Updated	Apr 1, 2026
Title Company	HERITAGE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036422
Date	Aug 8, 2025
Instrument	20250036422

Lender

Name	FARMERS BANK
Type	Bank
Address	FORT COLLINS, CO 80524

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount Recorded
Term	12 Months
Due	Aug 8, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	685 BISCAYNE CT, BERTHOUD, CO 80513-1477
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000050519
Date	Nov 26, 2024
Instrument	20240050519

Lender

Name	ADAMS BANK & TRUST
Type	Bank
Address	BERTHOUD, CO 80513

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Dec 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	7.65%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2029
Change Frequency	5 Years
Min Rate At Change	5.65%
Max Rate At Change	9.65%
Index	5-Year CMT
Max Rate	12.6%

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Mar 23, 2026
Property Address	685 BISCAYNE CT, BERTHOUD, CO 80513-1477
Document Number	0000013173
Instrument Date	Mar 18, 2026
Instrument	20260013173
Transaction Type	Transfer
Record Updated	Apr 1, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$80.00
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	685 BISCAYNE CT, BERTHOUD, CO 80513-1477

Mortgage

Document Number	0000013174
Date	Mar 23, 2026
Instrument	20260013174

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

June 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Jun 15, 2021
Property Address	685 BISCAYNE CT, BERTHOUD, CO 80513-1477
Document Number	0000058511
Instrument Date	Jun 11, 2021
Instrument	20210058511
Transaction Type	Transfer
Record Updated	Mar 28, 2022
Title Company	HOMESTEAD TITLE AND ESCROW, HOMESTEAD TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$63.52
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	685 BISCAYNE CT, BERTHOUD, CO 80513-1477

Mortgage

Document Number	0000058512
Date	Jun 15, 2021
Instrument	20210058512

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Aug 16, 2018
Property Address	685 BISCAYNE CT, BERTHOUD, CO 80513-1477
Document Number	0000050450
Instrument Date	Aug 8, 2018
Instrument	20180050450
Transaction Type	Transfer
Record Updated	Mar 28, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$54.90
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	685 BISCAYNE CT, BERTHOUD, CO 80513-1477

Mortgage

Document Number	0000050451
Date	Aug 16, 2018
Instrument	20180050451

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

May 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	LARIMER CO
Recording Date	May 25, 2017
Property Address	685 BISCAYNE CT, BERTHOUD, CO 80513-1477
Document Number	0000034230
Instrument Date	May 25, 2017
Instrument	34230
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 1, 2017
Title Company	UNIFIED TITLE COMPANY/FORT COLLINS, UNIFIED TITLE CO/FORT COLLINS

Transaction

Amount	Amount Recorded
Tax	$50.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2204 18TH AVE LONGMONT CO 805019711, LONGMONT, CO 80501-9711

Tax Assessment & Valuation

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	$8,306.00 (+0.61%)	$46,281 (-8.51%) Land $10,056 Building $36,225	$740,500 (-1.92%) Land $160,900 Building $579,600
2024	$8,256.00 (+2.12%)
2023	$8,085.00 (+19.83%)	$50,585 (+25.64%) Land $10,780 Building $39,805	$755,000 (+30.33%) Land $160,900 Building $594,100
2022	$6,747.00	$40,262 Land $7,993 Building $32,269	$579,300 Land $115,000 Building $464,300

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
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

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.9% 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	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 513 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Hilltop Broadband Fiber	1,000 / 1,000
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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