689 Divide South Dr, Divide, CO 80814 Property Records

Teller County property record for 689 Divide South Dr, Divide, CO 80814

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,740 sqft · built 1999
Lot Size	2.55 acres (111,078 sqft)
Owner	2 Individual Names on File
Last Sale	$685,000 (Jul 2026)
Tax Bill	$2,837 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Feb 2026 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3043.192020040`

Property Details

APN / Parcel Number

Primary APN	`3043.192020040`
Alternative APN	`R0014347`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,740 sqft Living Area
Basement Area	1,593 sqft
Finished Basement	1,593 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2021
Architectural Style	Ranch
Exterior Material	Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	111,078 sqft (2.55 acres)
Garage Type	Attached
Garage Area	810 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Deck Area	42 sqft
Patio Area	136 sqft
Shed	1 Shed
Shed Area	250 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	R0014347
Street Address	689 DIVIDE SOUTH DR
City	DIVIDE
State	CO
Zip	80814-8406
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	L28 DIVIDE SOUTH (INCL AN UND 1/34 INT IN THE COMMON ELEMENT AKA TR A-B-C AKA DIVIDE SO WATER ASSO AND DITCH CO)
Legal Range	69W
Legal Township	13S
Legal Section	19
Legal Subdivision	DIVIDE SOUTH
Legal Tract	A-C
Legal Lot Number	28
Jurisdiction	TELLER CO
Township / Civil Division	DIVIDE
Census Block Group	2
Census Block	2025
Census Tract	10110

Owner

689 Divide South Dr is owned and occupied by two individuals who bought it in July 2026.

Source: Teller County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	689 DIVIDE SOUTH DR, DIVIDE, CO 80814-8406
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
Jul 7, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION EMPS FEDERAL CREDIT UNION
Feb 17, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Jun 21, 2021	Warranty Deed, Transfer · Conventional Mortgage CB&T MORTGAGE LLC
Dec 30, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2026 · Amount on File
Deed Sale	Jul 7, 2026 · Amount on File
Prior Sale	Jun 21, 2021 · Amount on File
Deed Document Number	2026782199
Prior Transfer Date	Dec 24, 2019
Prior Transfer Doc	0000722151
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TELLER CO
Recording Date	Jul 7, 2026
Property Address	689 DIVIDE SOUTH DR, DIVIDE, CO 80814-8406
Document Number	0000782199
Instrument Date	Jul 6, 2026
Instrument	2026782199
Transaction Type	Transfer
Record Updated	Jul 14, 2026
Title Company	CORE TITLE, CORETITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,918.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	689 DIVIDE SOUTH DR, DIVIDE, CO 80814-8406

Mortgage

Document Number	0000782200,
Date	Jul 7, 2026
Instrument	2026782200

Lender

Name	UNION EMPS FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	TELLER CO
Property Address	689 DIVIDE SOUTH DR, DIVIDE, CO 80814-8406
Transaction Type	Mortgage
Record Updated	Feb 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000779248
Date	Feb 17, 2026
Instrument	779248

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	TELLER CO
Recording Date	Jun 21, 2021
Property Address	689 DIVIDE SOUTH DR, DIVIDE, CO 80814-8406
Document Number	0000739664
Instrument Date	Jun 18, 2021
Instrument	739664
Transaction Type	Transfer
Record Updated	Jul 26, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$64.00
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	689 DIVIDE SOUTH DR, DIVIDE, CO 80814-8406

Mortgage

Document Number	0000739665
Date	Jun 21, 2021
Instrument	739665

Lender

Name	CB&T MORTGAGE LLC
Type	Mortgage Company

Agreement

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

December 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	TELLER CO
Recording Date	Dec 30, 2019
Property Address	689 DIVIDE SOUTH DR, DIVIDE, CO 80814-8406
Document Number	0000722151
Instrument Date	Dec 24, 2019
Instrument	722151
Transaction Type	Transfer
Record Updated	Jul 26, 2022
Title Company	EMPIRE TITLE CO SPRINGS LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	689 DIVIDE SOUTH DR, DIVIDE, CO 80814-8406

Mortgage

Document Number	0000722152
Date	Dec 30, 2019
Instrument	722152

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 689 Divide South Dr was $2,837, up 6.1% from the year before.

Source: Teller County assessment roll, as of April 16, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Teller County
Unified School District	Woodland Park School District RE-2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,837.00 (+6.1%)	$43,000 (-0.02%) Land $12,061 Building $30,939
2024	$2,674.00 (+4.9%)	$43,010 (-) Land $10,999 Building $32,011	$687,963 (-1.27%) Land $192,971 Building $494,992
2023	$2,549.00 (+67.7%)	$43,010 (+58.59%) Land $11,000 Building $32,010	$696,824 (+78.62%) Land $178,198 Building $518,626
2022	$1,520.00	$27,120 Land $4,000 Building $23,120	$390,110 Land $57,517 Building $332,593

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 maps place 689 Divide South Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 18, 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	3 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

Wildfire risk around 689 Divide South Dr is very high, ranking above 90% of the US, with a 1% annual chance of wildfire.

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

Wildfire Risk	Very High above 90% of the US · above 94% of Colorado
Wildfire Likelihood	1% annual chance
Exposure	None beyond ember reach

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
TellerWifi Fixed Wireless	60 / 20

May also be available: AT&T, CenturyLink, Verizon, Vero Fiber.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Divide South Dr

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