786 E Elm Cir, Bayfield, CO 81122 Property Records

La Plata County property record for 786 E Elm Cir, Bayfield, CO 81122

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.75 ba · 3,723 sqft · built 1996
Lot Size	0.471 acres (20,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Oct 2018)
Tax Bill	$2,599 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5677-013-04-019`

Property Details

APN / Parcel Number

Primary APN	`5677-013-04-019`
Alternative APN	`R002526`

Interior

Bedrooms	5 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,723 sqft Living Area
Gross Area	4,223 sqft
1st Floor Area	2,490 sqft
Basement Area	1,233 sqft
Finished Basement	1,233 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Conventional
Lot Area	20,500 sqft (0.471 acres)
Garage Type	Attached
Garage Area	500 sqft
Porch	Unfinished Open Porch
Porch Area	28 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	R002526
Street Address	786 E ELM CIR
City	BAYFIELD
State	CO
Zip	81122-9657
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION: CEDAR HILLS (BAY) BLOCK: 0 LOT: 24 CEDAR HILLS SUB, BAYFIELD 786 ELM CIR BAYFIELD 81122
Legal Subdivision	CEDAR HILLS (BAY)
Legal Block	1
Legal Lot Number	24
Jurisdiction	LA PLATA CO
Township / Civil Division	BAYFIELD
Census Block Group	1
Census Block	1023
Census Tract	970602

Owner

Source: La Plata County records, as of July 20, 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 E ELM CIR, BAYFIELD, CO 81122-9657
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP
Aug 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP
Oct 18, 2018	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2018 · Amount on Record
Deed Sale	Oct 18, 2018 · Amount on Record
Prior Sale	Apr 12, 1993 · Amount on Record
Deed Document Number	20181149545
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	786 E ELM CIR, BAYFIELD, CO 81122-9657
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAND TITLE GUARANTEE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001178209
Date	Sep 24, 2020
Instrument	1178209

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

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

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	786 E ELM CIR, BAYFIELD, CO 81122-9657
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAND TITLE GUARANTEE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001160266
Date	Aug 14, 2019
Instrument	1160266

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2034

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA PLATA CO
Recording Date	Oct 18, 2018
Property Address	786 E ELM CIR, BAYFIELD, CO 81122-9657
Document Number	0001149545
Map Reference	DOC423859
Instrument Date	Oct 17, 2018
Instrument	1149545
Transaction Type	Transfer
Record Updated	Mar 22, 2022
Title Company	LAND TITLE GUARANTEE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$35.00
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	786 E ELM CIR, BAYFIELD, CO 81122-9657

Mortgage

Document Number	0001149546
Date	Oct 18, 2018
Instrument	1149546

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: La Plata County assessment roll, as of July 20, 2026

Property Jurisdictions

Type	Name
State	Colorado
Municipality	Bayfield Town
County	La Plata County
Unified School District	Bayfield School District 10 JT-R (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$35,890 (-2.1%) Land $5,130 Building $30,760	$586,510 (-) Land $83,850 Building $502,660
2025	$2,599.00 (+26.84%)	$36,660 (+22.57%) Land $5,240 Building $31,420	$586,510 (+31.38%) Land $83,850 Building $502,660
2024	$2,049.00 (+9.34%)
2023	$1,874.00 (+2.91%)	$29,910 (+7.59%) Land $3,590 Building $26,320	$446,410 (+11.62%) Land $53,600 Building $392,810
2022	$1,821.00	$27,800 Land $3,700 Building $24,100	$399,940 Land $53,210 Building $346,730

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 April 25, 2024 · 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
Nearby Flood Policies	2 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	Moderate above 56% of the US · above 40% of Colorado
Wildfire Likelihood	0.1% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF BAYFIELD serves 2,300 people · EPA ID CO0134030
Water Source	Surface water
Last State Inspection	Apr 2025
Lead	3 ppb (2026–2028) 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 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Clearnetworx Fiber	1,000 / 1,000
Zito Media Cable	1,000 / 25
Visionary Broadband Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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