92 Spruce St, Empire, CO 80438 Property Records

Clear Creek County property record for 92 Spruce St, Empire, CO 80438

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,368 sqft · built 1976
Lot Size	0.297 acres (12,937 sqft)
Owner	Individual Name on Record
Last Sale	$587,000 (Oct 2023)
Tax Bill	$3,006 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Apr 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`1839-203-08-003`

Property Details

APN / Parcel Number

Primary APN	`1839-203-08-003`
Alternative APN	`R016734`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,368 sqft Living Area
Gross Area	3,136 sqft
1st Floor Area	1,568 sqft
Basement Area	1,568 sqft
Finished Basement	800 sqft
Unfinished Basement	768 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Traditional
Exterior Material	Wood
Roof Material	Composition Shingle
Lot Area	12,937 sqft (0.297 acres)
Terrain	Below Road/Slope
Deck Area	763 sqft
Patio Area	763 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	R016734
Street Address	92 SPRUCE ST
City	EMPIRE
State	CO
Zip	80438-5004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2
Legal Description	SUBDIVISION: BERTHOUD FALLS BLOCK: 8 LOT: 6 THRU:- LOT: 9 & LOTS 30 & 31 & IMP AGREE 481/148 567/726 AGREE 579/761 - SURV #214020 644/101
Legal Subdivision	BERTHOUD FALLS
Legal Block	8
Legal Lot Number	31
Jurisdiction	CLEAR CREEK CO
Township / Civil Division	GEORGETOWN
Census Block Group	2
Census Block	2101
Census Tract	14900

Owner

Source: Clear Creek County records, as of February 9, 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
Mailing Address	92 SPRUCE ST, EMPIRE, CO 80438-5004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2023	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Apr 27, 2017	Deed of Trust, Mortgage · Line of Credit FIRSTBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 16, 2023 · Amount on Record
Deed Sale	Oct 16, 2023 · Amount on Record
Deed Document Number	2023310891
Deed Book / Page	1050 / 562
Prior Transfer Date	Dec 8, 2012
Prior Transfer Doc	0008690742
Record Updated	Jun 8, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLEAR CREEK CO
Recording Date	Oct 16, 2023
Property Address	92 SPRUCE ST, EMPIRE, CO 80438-5004
Document Number	0010500562
Book / Page	1050 / 562
Map Reference	MB 481 PG 148
Instrument Date	Oct 12, 2023
Instrument	310891
Transaction Type	Transfer
Record Updated	Oct 31, 2023
Title Company	FIRST ALLIANCE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$58.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	92 SPRUCE ST, EMPIRE, CO 80438-5004

Mortgage

Document Number	0000310892
Date	Oct 16, 2023
Instrument	310892

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEAR CREEK CO
Property Address	92 SPRUCE ST, EMPIRE, CO 80438-5004
Document Number	0009330939
Instrument Date	Apr 27, 2017
Transaction Type	Mortgage
Record Updated	Aug 21, 2018
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	5482 S GENOA ST CENTENNIAL CO 800153756, CENTENNIAL, CO 80015-3756

Mortgage

Document Number	0009330939
Date	May 5, 2017
Book Page	000933/000939
Instrument	284076

Lender

Name	FIRSTBANK
Type	Bank
Address	LAKEWOOD, CO 80215

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	May 4, 2019

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Clear Creek County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Clear Creek County
Unified School District	Clear Creek School District RE-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,006.00 (+112.89%)	$38,210 (+96.45%) Land $820 Building $37,390	$611,350 (+110.59%) Land $13,060 Building $598,290
2023	$1,412.00 (-11.69%)	$19,450 (-10.82%) Land $740 Building $18,710	$290,300 (-7.5%) Land $10,980 Building $279,320
2022	$1,599.00	$21,810 Land $910 Building $20,900	$313,840 Land $13,060 Building $300,780

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective December 20, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	1 (2013)
Most Recent Claim	Sep 2013 · Severe Storms, Flooding, Landslides, And Mudslides

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 63% of the US · above 53% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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