738 Black Cloud Cir, Cotopaxi, CO 81223 Property Records

Fremont County property record for 738 Black Cloud Cir, Cotopaxi, CO 81223

Property Summary

Property Type	Pasture
Details	1 bd · 1 ba · 1,800 sqft · built 2016
Lot Size	38 acres (1,655,716 sqft)
Owner	Individual Name on Record
Tax Bill	$1,262 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R030442`

Property Details

APN / Parcel Number

Primary APN	`R030442`
Alternative APN	`98804326`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,800 sqft Gross Area
1st Floor Area	900 sqft
Basement Area	900 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Other
Lot Area	1,655,716 sqft (38 acres)
Garage Area	1,224 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	R030442
Street Address	738 BLACK CLOUD CIR
City	COTOPAXI
State	CO
Zip	81223-8865
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Pasture
Legal Description	LOT 19 CODY PARK FIL #5
Legal Subdivision	CODY PARK
Legal Tract	19
Legal Lot Number	19
Jurisdiction	FREMONT CO
Township / Civil Division	COTOPAXI
Census Block Group	2
Census Block	2037
Census Tract	979002

Owner

Source: Fremont County records, as of August 12, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	PO BOX 870, WESTCLIFFE, CO 81252-0870
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Sep 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
Dec 30, 2019	Deed of Trust, Mortgage · VA Mortgage WYNDHAM CAPITAL MORTGAGE INC
Apr 24, 2017	Deed of Trust, Mortgage · VA Mortgage THE MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREMONT CO
Property Address	738 BLACK CLOUD CIR, COTOPAXI, CO 81223-8865
Transaction Type	Mortgage
Record Updated	Mar 11, 2024
Title Company	CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001004244
Date	Jul 26, 2021
Instrument	1004244

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	232 Months
Due	Nov 1, 2040

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREMONT CO
Property Address	738 BLACK CLOUD CIR, COTOPAXI, CO 81223-8865
Transaction Type	Mortgage
Record Updated	Dec 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000990458
Date	Sep 10, 2020
Instrument	990458

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2040

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREMONT CO
Property Address	738 BLACK CLOUD CIR, COTOPAXI, CO 81223-8865
Transaction Type	Mortgage
Record Updated	Dec 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000981402
Date	Dec 30, 2019
Instrument	981402

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28210

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jan 1, 2040

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREMONT CO
Property Address	738 BLACK CLOUD CIR, COTOPAXI, CO 81223-8865
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FNTC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000949523
Date	Apr 24, 2017
Instrument	949523

Lender

Name	THE MORTGAGE CO
Type	Mortgage Company
Address	ENGLEWOOD, CO 80112

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

Source: Fremont County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Fremont County
Unified School District	Fremont RE-3 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,262.00 (+18.05%)	$24,457 (-4.23%)	$387,645 (+2.62%)
2024	$1,069.00 (-1.57%)	$25,537 (+16.86%)
2023	$1,086.00 (+30.06%)	$21,852 (+22.8%)	$377,764 (+49.37%)
2022	$835.00	$17,795	$252,913

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 October 23, 2022

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	High above 78% of the US · above 80% of Colorado
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Visionary Broadband Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Black Cloud Cir

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