717 Phelps St, Sterling, CO 80751 Property Records

Logan County property record for 717 Phelps St, Sterling, CO 80751

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 904 sqft · built 1921
Lot Size	0.115 acres (5,009 sqft)
Owner	2 Individual Names on Record
Last Sale	$174,000 (Feb 2026)
Tax Bill	$429 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Oct 2025 Second Mortgage + 4 more
Flood Zone	Zone AH (high risk)
APN	`38052531123009`

Property Details

APN / Parcel Number

Primary APN	`38052531123009`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	904 sqft Heated Area
1st Floor Area	904 sqft

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1934
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Composition Shingle
Lot Area	5,009 sqft (0.115 acres)
Lot Dimensions	125 ft deep x 40 ft wide
Porch	Slab
Porch Area	174 sqft
Utility Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	717 PHELPS ST
City	STERLING
State	CO
Zip	80751-3533
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 HIGGASON RESUBD OF LOTS 5-9 BLK 2 BOWLING GREEN; SUBD STERLING
Legal Range	52W
Legal Township	08N
Legal Section	31
Legal Subdivision	BOWLING GREEN SUBD
Legal Block	2
Legal Lot Number	1,5-9
Jurisdiction	LOGAN CO
Township / Civil Division	STERLING
Census Block Group	3
Census Block	3055
Census Tract	966102

Owner

Source: Logan County records, as of August 21, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	717 PHELPS ST, STERLING, CO 80751-3533
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage ADAMS BANK & TRUST
Oct 24, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST AMERICAN MORTGAGE SOLUTIONS
Jul 1, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST AMERICAN MORTGAGE SOLUTIONS
Feb 9, 2026	Warranty Deed, Transfer · FHA Mortgage BANK OF COLORADO
Jan 18, 2022	Special Warranty Deed, Transfer STEWART TITLE
Jan 14, 2022	Special Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 9, 2026 · Amount on Record
Deed Sale	Feb 9, 2026 · Amount on Record
Prior Sale	Jun 23, 2025 · Amount on Record
Deed Document Number	2026778813
Deed Book / Page	1067 / 19
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOGAN CO
Property Address	717 PHELPS ST, STERLING, CO 80751-3533
Transaction Type	Mortgage
Record Updated	Mar 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000762819
Date	Aug 12, 2022
Book Page	1051/9
Instrument	762819

Lender

Name	ADAMS BANK & TRUST
Type	Bank
Address	STERLING, CO 80751

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.45%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2027
Change Frequency	Annually
Min Rate At Change	3.99%
Max Rate At Change	6.45%
Index	1-Year CMT
Max Rate	10.4%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOGAN CO
Property Address	717 PHELPS ST, STERLING, CO 80751-3533
Transaction Type	Mortgage
Record Updated	Mar 20, 2026
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1490 W 116TH AVE, WESTMINSTER, CO 80234-2863

Mortgage

Document Number	0000777460
Date	Oct 24, 2025
Book Page	1065/666
Instrument	777460

Lender

Name	FIRST AMERICAN MORTGAGE SOLUTIONS
Type	Mortgage Company
Address	IDAHO FALLS, ID 83402

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jul 1, 2055

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOGAN CO
Property Address	717 PHELPS ST, STERLING, CO 80751-3533
Transaction Type	Mortgage
Record Updated	Mar 20, 2026
Title Company	WFT NATIONAL TITLE, WFG NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1490 W 116TH AVE, WESTMINSTER, CO 80234-2863

Mortgage

Document Number	0000775859
Date	Jul 1, 2025
Book Page	1064/65
Instrument	775859

Lender

Name	FIRST AMERICAN MORTGAGE SOLUTIONS
Type	Mortgage Company
Address	IDAHO FALLS, ID 83402

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2055

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOGAN CO
Recording Date	Feb 9, 2026
Property Address	717 PHELPS ST, STERLING, CO 80751-3533
Document Number	0000778813
Book / Page	1067 / 19
Instrument Date	Feb 6, 2026
Instrument	778813
Transaction Type	Transfer
Record Updated	Mar 20, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$17.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1523 EVANS ST APT 201, 201, STERLING, CO 80751-2140

Mortgage

Document Number	0000778814
Date	Feb 9, 2026
Instrument	778814

Lender

Name	BANK OF COLORADO
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Mortgage

Document Number	0000778815
Date	Feb 9, 2026
Book Page	1067/21
Instrument	778815

Lender

Name	BANK OF COLORADO
Type	Bank
Address	LAKEWOOD, NJ 08701

Agreement

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

January 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LOGAN CO
Recording Date	Jan 18, 2022
Property Address	717 PHELPS ST, STERLING, CO 80751-3533
Document Number	0000759386
Book / Page	1047 / 575
Instrument Date	Jan 13, 2022
Instrument	759386
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$10.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1765 E DRY CREEK PL, CENTENNIAL, CO 80122-3002

January 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LOGAN CO
Recording Date	Jan 14, 2022
Property Address	717 PHELPS ST, STERLING, CO 80751-3533
Document Number	0000759377
Book / Page	1047 / 566
Instrument Date	Jan 12, 2022
Instrument	759377
Transaction Type	Transfer
Record Updated	Feb 1, 2022
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$10.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2000 S COLORADO BLVD, DENVER, CO 80222-7900
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Logan County assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Logan County
Municipality	Sterling City
Unified School District	Valley School District RE-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$429.00 (+30.4%)	$5,125 (-91.07%)	$82,001 (+42.81%) Land $12,500 Building $69,501
2023		$57,420 (+1,339.1%) Land $12,500 Building $44,920	$57,420 (-) Land $12,500 Building $44,920
2022	$329.00	$3,990 Land $870 Building $3,120	$57,420 Land $12,500 Building $44,920

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective May 29, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AH high risk · shallow ponding 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 22 policies
Nearby Flood Policies	22 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	Not rated no burnable land within 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	CITY OF STERLING serves 15,100 people · EPA ID CO0138045
Water Source	Groundwater influenced by surface water
Last State Inspection	Nov 2023
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	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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 494 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Kentec Communications Fiber	1,000 / 1,000
ElektraFi Fixed Wireless	400 / 80
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Vistabeam.

Nearby Properties on Phelps St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures