786 Cottage Ln, Boulder, CO 80304 Property Records

Boulder County property record for 786 Cottage Ln, Boulder, CO 80304

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,168 sqft · built 1983
Lot Size	0.056 acres (2,417 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,100,000 (Apr 2024)
Tax Bill	$6,077 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1461-13-1-14-021`

Property Details

APN / Parcel Number

Primary APN	`1461-13-1-14-021`
Alternative APNs	`R0094520` `0094520`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,168 sqft Living Area
1st Floor Area	616 sqft
Upper Floors Area	552 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1990
Architectural Style	A-Frame
Exterior Material	Wood Shingle
Construction Type	Frame
Roof Material	Asphalt
Lot Area	2,417 sqft (0.056 acres)
Garage Type	Detached
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	R0094520
Street Address	786 COTTAGE LN
City	BOULDER
State	CO
Zip	80304-0759
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 21 & W 44 FT OF S 4 FT OF N 28 FT LOT 22 COTTAGES AT WONDERLAND LAKE THE
Legal Range	71
Legal Township	1N
Legal Section	13
Legal Subdivision	COTTAGES AT WONDERLAND LAKE (THE)BO
Legal Block	1
Legal Lot Number	21
Jurisdiction	BOULDER CO
Township / Civil Division	BOULDER
Census Block Group	1
Census Block	1023
Census Tract	12104

Owner

Source: Boulder County records, as of September 18, 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	786 COTTAGE LN, BOULDER, CO 80304-0759
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST MORTGAGE SOLUTIONS LLC
Mar 22, 2018	Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2024 · Amount on Record
Deed Sale	Apr 23, 2024 · Amount on Record
Prior Sale	Mar 22, 2018 · Amount on Record
Deed Document Number	20244044583
Prior Transfer Date	Dec 21, 2011
Prior Transfer Doc	0003195430
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BOULDER CO
Property Address	786 COTTAGE LN, BOULDER, CO 80304-0759
Transaction Type	Mortgage
Record Updated	Mar 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003789798
Date	Jun 9, 2020
Instrument	3789798

Lender

Name	FIRST MORTGAGE SOLUTIONS LLC
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BOULDER CO
Recording Date	Mar 22, 2018
Property Address	786 COTTAGE LN, BOULDER, CO 80304-0759
Document Number	0003646621
Instrument Date	Mar 21, 2018
Instrument	3646621
Transaction Type	Transfer
Record Updated	Mar 31, 2022
Title Company	HERITAGE TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$69.90
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	786 COTTAGE LN, BOULDER, CO 80304-0759

Mortgage

Document Number	0003646622
Date	Mar 22, 2018
Instrument	3646622

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

Source: Boulder County assessment roll, as of September 18, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Boulder County
Municipality	Boulder City
Unified School District	Boulder Valley School District RE-2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$64,593 (+1.33%) Land $35,081 Building $29,512	$1,019,900 (-) Land $585,900 Building $434,000
2025	$6,077.00 (+3.03%)	$63,744 (-11.45%) Land $36,619 Building $27,125	$1,019,900 (-5.07%) Land $585,900 Building $434,000
2023	$5,898.00 (+32.45%)	$71,985 (+50.09%) Land $39,959 Building $32,026	$1,074,400 (+55.69%) Land $596,400 Building $478,000
2022	$4,453.00	$47,962 Land $32,019 Building $15,943	$690,100 Land $460,700 Building $229,400

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

Source: FEMA National Flood Hazard Layer, effective October 14, 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
Flood Insurance Cost	Premium on Record median of 58 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	63 units insured incl. 5 condo units
Nearby Flood Claims	14 (2013–2015)
Claims Outside the SFHA	6 of 14
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Flooding, Landslides, And Mudslides, Sep 2013 · 13 claims

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	Moderate above 64% of the US · above 54% of Colorado
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect 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 BOULDER serves 166,080 people · EPA ID CO0107152
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 460 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ayva Networks Fixed Wireless	2,500 / 2,500
Xfinity Cable	2,000 / 250
LiveWireNet Fixed Wireless	250 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink.

Cell Coverage

5G (outdoors only) and 4G LTE

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