820 Polar Bear Ln, Fraser, CO 80442 Property Records

Grand County property record for 820 Polar Bear Ln, Fraser, CO 80442

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,148 sqft · built 1972
Lot Size	1.08 acres (47,045 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (Oct 2017)
Tax Bill	$2,252 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Feb 2018 Mortgage + 3 more
Flood Zone	Zone D (undetermined)
APN	`R074930`

Property Details

APN / Parcel Number

Primary APN	`R074930`
Alternative APN	`158924106009`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	1 Room
Stories	2 Stories
Building Area	1,148 sqft
Gross Area	1,292 sqft

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1985
Architectural Style	A-Frame
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	47,045 sqft (1.08 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Account Number	R074930
Street Address	820 POLAR BEAR LN
City	FRASER
State	CO
Zip	80442
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	43
Legal Description	SUBD: ICE BOX ESTATES 1ST SUB LOT: 51
Legal Subdivision	ICE BOX ESTATES 1ST SUB
Legal Block	6
Legal Lot Number	51
Jurisdiction	GRAND CO
Township / Civil Division	GRANBY
Census Block Group	2
Census Block	2010
Census Tract	204

Owner

Source: Grand County records, as of January 19, 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
Co-owner	Co-owner on Record
Mailing Address	PO BOX 124, FRASER, CO 80442-0124
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Feb 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC
Jul 15, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CITYWIDE BANKS
Jun 16, 2022	Deed of Trust, Mortgage · Line of Credit CITYWIDE BANKS
Oct 3, 2017	Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 3, 2017 · Amount on Record
Deed Sale	Oct 3, 2017 · Amount on Record
Prior Sale	Oct 19, 2010 · Amount on Record
Deed Document Number	2017008135
Record Updated	Jun 8, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAND CO
Property Address	820 POLAR BEAR LN, FRASER, CO 80442
Transaction Type	Mortgage
Record Updated	Jul 12, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2020004495
Date	Jun 16, 2020
Instrument	2020004495

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

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

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAND CO
Property Address	820 POLAR BEAR LN, FRASER, CO 80442
Transaction Type	Mortgage
Record Updated	Jul 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2018001434
Date	Feb 28, 2018
Instrument	2018001434

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Nov 1, 2047

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAND CO
Property Address	820 POLAR BEAR LN, FRASER, CO 80442
Transaction Type	Mortgage
Record Updated	Jul 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2019005264
Date	Jul 15, 2019
Instrument	2019005264

Lender

Name	CITYWIDE BANKS
Type	Bank
Address	FRASER, CO 80442

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GRAND CO
Property Address	820 POLAR BEAR LN, FRASER, CO 80442
Transaction Type	Mortgage
Record Updated	Jul 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 POLAR BEAR LN, FRASER, CO 80442

Mortgage

Document Number	2022005243
Date	Jun 16, 2022
Instrument	2022005243

Lender

Name	CITYWIDE BANKS
Type	Bank
Address	FRASER, CO 80442

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GRAND CO
Recording Date	Oct 3, 2017
Property Address	820 POLAR BEAR LN, FRASER, CO 80442
Document Number	2017008135
Map Reference	DOC108770
Instrument Date	Oct 3, 2017
Instrument	2017008135
Transaction Type	Transfer
Record Updated	Jul 12, 2022
Title Company	TITLE COMPANY/THE ROCKIES INC, TITLE COMPANY OF THE ROCKIES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$22.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 484, FRASER, CO 80442-0484

Mortgage

Document Number	2017008136
Date	Oct 3, 2017
Instrument	2017008136

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

Source: Grand County assessment roll, as of August 25, 2025

Property Jurisdictions

Type	Name
State	Colorado
County	Grand County
Unified School District	East Grand School District 2 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,252.00 (+33.49%)	$41,280 (+31.09%) Land $16,880 Building $24,400	$660,410 (+40.51%) Land $270,000 Building $390,410
2023	$1,687.00 (+41.65%)	$31,490 (+54.44%) Land $10,800 Building $20,690	$470,010 (+60.21%) Land $161,140 Building $308,870
2022	$1,191.00	$20,390 Land $6,950 Building $13,440	$293,370 Land $100,000 Building $193,370

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 September 29, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone D undetermined · not studied
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	30 units insured incl. 27 condo units

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 61% of the US · above 49% 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 39 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ElektraFi Fixed Wireless	400 / 60

May also be available: AT&T, CenturyLink, Xfinity.

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