865 E 98TH AVE UNIT 905, 905, THORNTON, CO 80229-2448
Transaction Type
Mortgage
Record Updated
Jul 31, 2023
Transferred To (Grantee/Buyer)
Name
Verified Name
Mortgage
Document Number
0000041617
Date
Jul 21, 2023
Instrument
2023000041617
Lender
Name
DISCOVER BANK
Type
Bank
Address
DENVER, CO 80229
Agreement
Type
Stand-Alone Second Mortgage
Amount
Amount on Record
Term
360 Months
Due
Jul 21, 2053
September 2020: Special Warranty Deed, Transfer
Document Type
Special Warranty Deed
Jurisdiction
ADAMS CO
Recording Date
Sep 23, 2020
Property Address
865 E 98TH AVE UNIT 905, 905, THORNTON, CO 80229-2448
Document Number
0000095564
Instrument Date
Sep 4, 2020
Instrument
2020000095564
Transaction Type
Transfer
Record Updated
Jan 27, 2022
Title Company
LAND TITLE GUARANTEE
Transaction
Amount
Amount on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$33.56
Amount Accuracy
Full Amount Stated
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Joint Tenants
Address
865 E 98TH AVE UNIT 905, 905, THORNTON, CO 80229-2448
Mortgage
Document Number
0000095565
Date
Sep 23, 2020
Instrument
2020000095565
Lender
Name
THE HOME LOAN EXPERT LLC
Type
Mortgage Company
Agreement
Type
FHA Mortgage
Amount
Amount on Record
Term
361 Months
Due
Oct 1, 2050
Mortgage
Document Number
0000095566
Date
Sep 23, 2020
Instrument
2020000095566
Lender
Name
CITY AND COUNTY OF DENVER
Type
Government Agency
Address
DENVER, CO 80202
Agreement
Type
Stand-Alone Second Mortgage
Amount
Amount on Record
Term
36 Months
Due
Sep 4, 2023
January 2020: Grant Deed, Mortgage
Document Type
Grant Deed
Jurisdiction
ADAMS CO
Recording Date
Jan 2, 2020
Property Address
865 E 98TH AVE UNIT 905, 905, THORNTON, CO 80229-2448
Instrument Date
Jan 2, 2020
Instrument
334
Transaction Type
Mortgage
Record Updated
Jan 16, 2020
Title Company
NOT AVAILABLE
Transaction
Tax
$0.00
Additional
Multiple Parcels
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Company
Address
600 N GRANT ST #404 DENVER CO 802033526, 404, DENVER, CO 80203-3526
Mortgage
Document Number
0000000334
Date
Jan 2, 2020
Instrument
334
Lender
Name
MOUNTAIN W REIT LLC
Address
357 W 200 S # 200, SALT LAKE CITY, UT 84101-3443
Agreement
Type
Line of Credit
Amount
Amount on Record
Interest
Rate Type
Adjustable Rate
April 2019: Grant Deed, Construction Loan
Document Type
Grant Deed
Jurisdiction
ADAMS CO
Recording Date
Apr 2, 2019
Property Address
865 E 98TH AVE UNIT 905, 905, THORNTON, CO 80229-2448
Document Number
0000023930
Instrument Date
Mar 29, 2019
Instrument
23930
Transaction Type
Construction Loan
Record Updated
Apr 9, 2019
Title Company
LAND TITLE GUARANTEE
Transaction
Amount
Amount on Record
Tax
$217.00
Amount Accuracy
Confirmed
Additional
Arm's Length
Multiple Parcels
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Relationship
Company
Address
800 N GRANT ST #210 DENVER CO 802032944, 210, DENVER, CO 80203-2944
Investor
Possibly a Property Investor
Mortgage
Document Number
23931
Date
Apr 2, 2019
Instrument
23931
Lender
Name
MOUNTAIN W DEBT FUND
Type
Funding / Finance Company
Address
357 W 200 S # 200, SALT LAKE CITY, UT 84101-3435
Agreement
Type
Line of Credit
Amount
Amount on Record
Interest
Rate Type
Adjustable Rate
Tax Assessment & Valuation
The 2025 property tax bill for 865 E 98th Ave, Unit 905 was $3,122, down 14.5% from the year before.
Source: Adams County assessment roll, as of January 21, 2026
Property Jurisdictions
Type
Name
State
Colorado
County
Adams County
Municipality
Thornton City
Unified School District
Adams 12 Five Star Schools (PK - 12)
Tax Bill & Assessment History
Year
Tax Bill
Assessed Value
Assessed Market Value
2025
$3,122.00 (-14.49%)
$27,740 (-0.5%)Land $5,780Building $21,960
$408,000 (-1.92%)Land $85,000Building $323,000
2024
$3,651.00 (-13.93%)
$27,880 (-0.96%)Land $4,360Building $23,520
$416,000 (-)Land $65,000Building $351,000
2023
$4,242.00 (+4.87%)
$28,150 (+5.87%)Land $4,400Building $23,750
$416,000 (+8.71%)Land $65,000Building $351,000
2022
$4,045.00
$26,590Land $4,860Building $21,730
$382,678Land $70,000Building $312,678
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
FEMA maps place 865 E 98th Ave, Unit 905 in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 2, 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
Community Rating System
Class 5 (25% premium discount)
Nearby Flood Policies
1 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
The area around 865 E 98th Ave, Unit 905 has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
Wildfire Risk
Not rated no burnable land 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 THORNTON serves 226,465 people · EPA ID CO0101150
Water Source
Surface water
Last State Inspection
Jul 2024
Lead
2 ppb (2025) action level 15 ppb
Violations Reported to EPA
Water Quality
None last 10 years
Treatment and Procedure
None last 10 years
Monitoring and Reporting
3 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 630 locations within half a mile, as of December 31, 2025
Provider
Max Down / Up (Mbps)
Xfinity Cable
2,000 / 250
CenturyLink DSL · Fiber in parts of the area
140 / 20
May also be available: Aerux Broadband, LiveWireNet, Verizon.