Weld County property record for 865 Emerald Lakes St, Severance, CO 80550
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,654 sqft · built 2020 |
| Lot Size | 0.126 acres (5,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $457,500 (Apr 2026) |
| Tax Bill | $4,682 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Apr 2026 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 8071-12-4-90-13 |
| Primary APN | 8071-12-4-90-13 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,654 sqft Living Area |
| Gross Area | 3,203 sqft |
| Basement Area | 1,149 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Bi-Level |
| Exterior Material | Frame/Wood Siding |
| Roof Material | Composition Shingle |
| Lot Area | 5,500 sqft (0.126 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | R8962030 |
|---|---|
| Street Address | 865 EMERALD LAKES ST |
| City | SEVERANCE |
| State | CO |
| Zip | 80550-2403 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 13 BLOCK 8 HIDDEN VALLEY FARM 5TH FG |
| Legal Subdivision | HIDDEN VALLEY FARM 5TH FG |
| Legal Block | 8 |
| Legal Lot Number | 13 |
| Jurisdiction | WELD CO |
| Township / Civil Division | WINDSOR |
| Census Block Group | 2 |
| Census Block | 2093 |
| Census Tract | 2208 |
865 Emerald Lakes St is owned and occupied by an individual who bought it in April 2026.
Source: Weld County records, as of October 13, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 865 EMERALD LAKES ST, SEVERANCE, CO 80550-2403 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP |
| Apr 24, 2026 | Warranty Deed, Transfer · Conventional Mortgage LOWER LLC |
| Nov 12, 2021 | Quit Claim Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Apr 23, 2021 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP |
| Mar 16, 2020 | Grant Deed, Transfer PPME LAND CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 24, 2026 · Amount on File |
| Deed Sale | Apr 24, 2026 · Amount on File |
| Prior Sale | Apr 23, 2021 · Amount on File |
| Deed Document Number | 20265097711 |
| Prior Transfer Date | Nov 11, 2021 |
| Prior Transfer Doc | 0004775202 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WELD CO |
| Property Address | 865 EMERALD LAKES ST, SEVERANCE, CO 80550-2403 |
| Transaction Type | Mortgage |
| Record Updated | May 5, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|---|
| Address | 865 EMERALD LAKES ST, SEVERANCE, CO 80550-2403 |
| Document Number | 0004778285 |
|---|---|
| Date | Nov 22, 2021 |
| Instrument | 4778285 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | DRAPER, UT 84020 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WELD CO |
| Recording Date | Apr 24, 2026 |
| Property Address | 865 EMERALD LAKES ST, SEVERANCE, CO 80550-2403 |
| Document Number | 0005097711 |
| Instrument Date | Apr 24, 2026 |
| Instrument | 2026.5097711 |
| Transaction Type | Transfer |
| Record Updated | May 4, 2026 |
| Title Company | LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,620.75 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 865 EMERALD LAKES ST, SEVERANCE, CO 80550-2403 |
| Document Number | 0005097712, |
|---|---|
| Date | Apr 24, 2026 |
| Instrument | 2026..5097712 |
| Name | LOWER LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WELD CO |
| Recording Date | Nov 12, 2021 |
| Property Address | 865 EMERALD LAKES ST, SEVERANCE, CO 80550-2403 |
| Document Number | 0004775202 |
| Instrument Date | Nov 11, 2021 |
| Instrument | 4775202 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2022 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 865 EMERALD LAKES ST, SEVERANCE, CO 80550-2403 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | WELD CO |
| Recording Date | Apr 23, 2021 |
| Property Address | 865 EMERALD LAKES ST, SEVERANCE, CO 80550-2403 |
| Document Number | 0004707981 |
| Instrument Date | Apr 23, 2021 |
| Instrument | 4707981 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 28, 2022 |
| Title Company | UNITED TITLE, UNIFIED TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $40.71 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 865 EMERALD LAKES ST, SEVERANCE, CO 80550-2403 |
| Document Number | 0004707982 |
|---|---|
| Date | Apr 23, 2021 |
| Instrument | 4707982 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WELD CO |
| Recording Date | Mar 16, 2020 |
| Property Address | 865 EMERALD LAKES ST, SEVERANCE, CO 80550-2403 |
| Document Number | 0004575348 |
| Instrument Date | Mar 16, 2020 |
| Instrument | 4575348 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 212 N WAHSATCH AVE #201 COLORADO SPRINGS CO 809033475, 201, COLORADO SPRINGS, CO 80903-3475 |
| Investor | Possibly a Property Investor |
| Document Number | 4575356 |
|---|---|
| Date | Mar 16, 2020 |
| Instrument | 4575356 |
| Name | PPME LAND CORP |
|---|---|
| Address | 212 N WAHSATCH AVE # 301, COLORADO SPRINGS, CO 80903-3476 |
| Amount | Amount on Record |
|---|---|
| Term | 12 Months |
| Due | Mar 15, 2021 |
The 2025 property tax bill for 865 Emerald Lakes St was $4,682, down 5.7% from the year before.
Source: Weld County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Weld County |
| Municipality | Severance Town |
| Unified School District | Windsor School District RE-4 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $26,180 (-2.09%) Land $5,810 Building $20,370 | $427,830 (-) Land $95,000 Building $332,830 | |
| 2025 | $4,682.00 (-5.68%) | $26,740 Land $5,940 Building $20,800 | $427,830 Land $95,000 Building $332,830 |
| 2024 | $4,964.00 (+6.36%) | ||
| 2023 | $4,667.00 | $32,660 Land $6,430 Building $26,230 | $482,667 Land $95,000 Building $387,667 |
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.
FEMA maps place 865 Emerald Lakes St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective June 28, 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 |
| Nearby Flood Policies | 3 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 risk around 865 Emerald Lakes St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 98.4% of Colorado |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | NORTH WELD COUNTY WD serves 15,890 people · EPA ID CO0162553 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2023 |
| Lead | 3 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 491 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| LightGig Communications Fiber | 10,000 / 10,000 |
| Xfinity Fiber | 2,000 / 2,000 |
| CenturyLink Fiber | 2,000 / 1,000 |
| TDS Telecom Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Vistabeam Fixed Wireless | 500 / 80 |
| Verizon Fixed Wireless | 300 / 20 |
| Rise Broadband Fixed Wireless | 100 / 20 |
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