7142 Cottage Ct, Timnath, CO 80547 Property Records

Larimer County property record for 7142 Cottage Ct, Timnath, CO 80547

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,468 sqft · built 2017
Lot Size	0.163 acres (7,096 sqft)
Owner	2 Individual Names on File
Last Sale	$730,000 (Mar 2026)
Tax Bill	$6,670 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Jun 2024 Second Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`86014-34-004`

Property Details

APN / Parcel Number

Primary APN	`86014-34-004`
Alternative APN	`R1645058`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,468 sqft Living Area
Gross Area	4,629 sqft
Basement Area	1,176 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Bi-Level
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,096 sqft (0.163 acres)
Garage Type	Attached
Garage Area	985 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Slab
Porch Area	358 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R1645058
Street Address	7142 COTTAGE CT
City	TIMNATH
State	CO
Zip	80547-2314
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4, BLOCK 11, TIMNATH RANCH SUB THIRD FIL, TIM (20070023850 & 20070046249)
Legal Range	68W
Legal Township	6N
Legal Section	1
Legal Subdivision	TIMNATH RANCH SUB 3RD FIL, TIM (20070023
Legal Block	11
Legal Lot Number	4
Jurisdiction	LARIMER CO
Township / Civil Division	TIMNATH-WELLINGTON
Census Block Group	1
Census Block	1058
Census Tract	2505

Owner

7142 Cottage Ct is owned and occupied by two individuals who bought it in March 2026.

Source: Larimer County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	7142 COTTAGE CT, TIMNATH, CO 80547-2314
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
Feb 4, 2026	Deed of Trust, Mortgage · Line of Credit FIRST WESTERN TRUST BANK
Jun 13, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Mar 16, 2026	Special Warranty Deed, Transfer · Conventional Mortgage LOWER LLC
Nov 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Oct 2, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
May 14, 2018	Grant Deed, Subdivision Related Transfer · Conventional with PMI ELEVATIONS CU
Jan 12, 2018	Grant Deed, Transfer LAND TITLE GUARANTEE
Jul 13, 2017	Trustee's Deed, Construction Loan · Construction Mortgage POINTS W CMNTY BK
Feb 9, 2017	Grant Deed, Construction Loan · Line of Credit POINTS W CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2026 · Amount on File
Deed Sale	Mar 16, 2026 · Amount on File
Prior Sale	May 14, 2018 · Amount on File
Deed Document Number	202611801
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	7142 COTTAGE CT, TIMNATH, CO 80547-2314
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7142 COTTAGE CT, TIMNATH, CO 80547-2314

Mortgage

Document Number	0000005149
Date	Feb 4, 2026
Instrument	20260005149

Lender

Name	FIRST WESTERN TRUST BANK
Type	Bank
Address	FORT COLLINS, CO 80528

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	7142 COTTAGE CT, TIMNATH, CO 80547-2314
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023916
Date	Jun 13, 2024
Instrument	20240023916

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 12, 2054

March 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Mar 16, 2026
Property Address	7142 COTTAGE CT, TIMNATH, CO 80547-2314
Document Number	0000011801
Map Reference	DOC 20070023850
Instrument Date	Mar 13, 2026
Instrument	20260011801
Transaction Type	Transfer
Record Updated	Mar 25, 2026
Title Company	GUARANTEED TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$73.00
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	7142 COTTAGE CT, TIMNATH, CO 80547-2314

Mortgage

Document Number	0000011802
Date	Mar 16, 2026
Instrument	20260011802

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

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

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	7142 COTTAGE CT, TIMNATH, CO 80547-2314
Transaction Type	Mortgage
Record Updated	Mar 2, 2021
Title Company	LAND TITLE GUARANTEE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000097483
Date	Nov 20, 2020
Instrument	20200097483

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	7142 COTTAGE CT, TIMNATH, CO 80547-2314
Document Number	0000062554
Instrument Date	Oct 2, 2019
Transaction Type	Mortgage
Record Updated	Oct 21, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7142 COTTAGE CT TIMNATH CO 805472314, TIMNATH, CO 80547-2314

Mortgage

Document Number	0000062554
Date	Oct 10, 2019
Instrument	62554

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 9, 2049

May 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	LARIMER CO
Recording Date	May 14, 2018
Property Address	7142 COTTAGE CT, TIMNATH, CO 80547-2314
Document Number	0000028308
Instrument Date	May 14, 2018
Instrument	28308
Transaction Type	Subdivision Related Transfer
Record Updated	May 24, 2018
Title Company	LAND TITLE GUARANTEE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$48.04
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7142 COTTAGE CT TIMNATH CO 805472314, TIMNATH, CO 80547-2314

Mortgage

Document Number	28309
Date	May 14, 2018
Instrument	28309

Lender

Name	ELEVATIONS CU
Address	BROOMFIELD, CO 80021

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 13, 2048

January 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LARIMER CO
Recording Date	Jan 12, 2018
Property Address	7142 COTTAGE CT, TIMNATH, CO 80547-2314
Document Number	0000002641
Instrument Date	Jan 12, 2018
Instrument	2641
Transaction Type	Transfer
Record Updated	Jan 19, 2018
Title Company	LAND TITLE GUARANTEE

Transaction

Amount	Amount on Record
Tax	$7.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1620 CARRIAGE DR EATON CO 806159143, EATON, CO 80615-9143

July 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LARIMER CO
Recording Date	Jul 13, 2017
Property Address	7142 COTTAGE CT, TIMNATH, CO 80547-2314
Instrument Date	Jul 11, 2017
Instrument	45692
Transaction Type	Construction Loan
Record Updated	Aug 23, 2018

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8020 S COUNTY ROAD 5 #200 WINDSOR CO 805288994, 200, WINDSOR, CO 80528-8994

Mortgage

Document Number	0000045692
Date	Jul 13, 2017
Instrument	45692

Lender

Name	POINTS W CMNTY BK
Type	Bank
Address	WINDSOR, CO 80550

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jul 12, 2018

February 2017: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	LARIMER CO
Recording Date	Feb 9, 2017
Property Address	7142 COTTAGE CT, TIMNATH, CO 80547-2314
Instrument Date	Feb 1, 2017
Instrument	9340
Transaction Type	Construction Loan
Record Updated	Feb 16, 2017

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8020 S COUNTY ROAD 5 #200 WINDSOR CO 805288994, 200, WINDSOR, CO 80528-8994

Mortgage

Document Number	0000009340
Date	Feb 9, 2017
Instrument	9340

Lender

Name	POINTS W CMNTY BK
Type	Bank
Address	1291 MAIN ST, WINDSOR, CO 80550-5918

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Feb 8, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 7142 Cottage Ct was $6,670, up 1.2% from the year before.

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

Property Jurisdictions

Type	Name
State	Colorado
County	Larimer County
Municipality	Timnath Town
Unified School District	Poudre School District R-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,670.00 (+1.24%)	$39,931 Land $12,500 Building $27,431	$638,900 Land $200,000 Building $438,900
2024	$6,588.00 (+2.87%)
2023	$6,404.00 (+22.99%)	$43,885 (+31.03%) Land $11,430 Building $32,455	$655,000 (+35.92%) Land $170,600 Building $484,400
2022	$5,207.00	$33,492 Land $8,375 Building $25,117	$481,900 Land $120,500 Building $361,400

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 7142 Cottage Ct in Zone X, an area of minimal flood risk.

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	6 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 7142 Cottage Ct is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 83% of Colorado
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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	FT COLLINS LOVELAND WD serves 63,532 people · EPA ID CO0135292
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2023
Also Mapped Here	CITY OF GREELEY
Lead	2 ppb (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	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 284 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Loveland Pulse Fiber	10,000 / 10,000
Xfinity Cable	2,000 / 250
CenturyLink Fiber · DSL in parts of the area	940 / 940
Vistabeam Fixed Wireless	500 / 80
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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