72 Saddle Cir, Silverthorne, CO 80498 Property Records

Summit County property record for 72 Saddle Cir, Silverthorne, CO 80498

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.25 ba · 2,516 sqft · built 1992
Lot Size	0.54 acres (23,522 sqft)
Owner	2 Individual Names on Record
Last Sale	$929,280 (Dec 2017)
Tax Bill	$6,769 (2025)
Deeds & Mortgages	Sep 2021 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`1951-2640-02-003`

Property Details

APN / Parcel Number

Primary APN	`1951-2640-02-003`
Alternative APN	`1300365`

Interior

Bedrooms	3 Beds
Full Baths	3.25 Baths
Half Baths	3 Half Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,516 sqft Living Area
Gross Area	3,575 sqft
1st Floor Area	1,466 sqft
2nd Floor Area	1,050 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1993
Architectural Style	Bi-Level
Exterior Material	Stucco
Roof Type	Gable
Roof Material	Metal
Lot Area	23,522 sqft (0.54 acres)
Terrain	Rolling
View / Lot	Average
Garage Type	Attached
Garage Area	1,059 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating System	Radiant
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	72 SADDLE CIR
City	SILVERTHORNE
State	CO
Zip	80498-8957
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 5 BLOCK 1 SAGE CREEK CANYON SUB
Legal Subdivision	SAGE CREEK CANYON SUB
Legal Block	1
Legal Lot Number	5
Jurisdiction	SUMMIT CO
Township / Civil Division	SILVERTHORNE
Census Block Group	2
Census Block	2006
Census Tract	102

Owner

Source: Summit County records, as of June 16, 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	PO BOX 1115, DILLON, CO 80435-1104
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2021	Deed of Trust, Mortgage · Line of Credit FIRSTBANK
Jul 27, 2020	Special Warranty Deed, Transfer · Conventional Mortgage FIRSTBANK
Dec 21, 2017	Warranty Deed, Transfer · ARM FIRSTBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2017 · Amount on Record
Deed Sale	Dec 21, 2017 · Amount on Record
Deed Document Number	20171159544
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SUMMIT CO
Property Address	72 SADDLE CIR, SILVERTHORNE, CO 80498
Transaction Type	Mortgage
Record Updated	Sep 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1268651
Date	Sep 2, 2021
Instrument	1268651

Lender

Name	FIRSTBANK
Type	Bank
Address	DENVER, CO 80215

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Aug 4, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	SUMMIT CO
Recording Date	Jul 27, 2020
Property Address	72 SADDLE CIR, SILVERTHORNE, CO 80498
Document Number	0001230547
Instrument Date	Jul 9, 2020
Instrument	1230547
Transaction Type	Transfer
Record Updated	Mar 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	PO BOX 1115, DILLON, CO 80435-1104

Mortgage

Document Number	0001230548
Date	Jul 27, 2020
Instrument	1230548

Lender

Name	FIRSTBANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SUMMIT CO
Recording Date	Dec 21, 2017
Property Address	72 SADDLE CIR, SILVERTHORNE, CO 80498
Document Number	0001159544
Map Reference	DOC107165
Instrument Date	Dec 20, 2017
Instrument	1159544
Transaction Type	Transfer
Record Updated	Mar 21, 2022
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	PO BOX 1115, DILLON, CO 80435-1104

Mortgage

Document Number	0001159546
Date	Dec 21, 2017
Instrument	1159546

Lender

Name	FIRSTBANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2025
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.27%
Index	1-Year CMT
Max Rate	9.37%

Tax Assessment & Valuation

Source: Summit County assessment roll, as of June 16, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Summit County
Unified School District	Summit School District RE-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,769.00 (+19.53%)	$132,654 (+21.14%)	$1,950,800 (+19.36%) Land $518,800 Building $1,432,000
2024	$5,663.00 (-4.26%)	$109,505 (-)
2023	$5,915.00 (+27.62%)	$109,505 (+34.99%)	$1,634,400 (+40.03%) Land $473,000 Building $1,161,400
2022	$4,635.00	$81,120	$1,167,200 Land $289,100 Building $878,100

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 May 12, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 14 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	14 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	Low lower than 80% of the US · lower than 91% of Colorado
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Arbor Mesh Internet Fixed Wireless	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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