941 Spruce St, Denver, CO 80230 Property Records

Denver City property record for 941 Spruce St, Denver, CO 80230

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,027 sqft · built 2002
Lot Size	0.111 acres (4,817 sqft)
Owner	2 Individual Names on File
Last Sale	$925,000 (May 2022)
Tax Bill	$5,036 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Jan 2022 Transfer + 4 more
APN	`06043-24-013-000`

Property Details

APN / Parcel Number

Primary APN	`06043-24-013-000`
Alternative APN	`162966491`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,027 sqft Living Area
Gross Area	2,161 sqft
1st Floor Area	1,102 sqft
Basement Area	1,082 sqft
Finished Basement	866 sqft
Unfinished Basement	216 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Bi-Level
Exterior Material	Combination
Construction Type	Frame
Lot Area	4,817 sqft (0.111 acres)
Garage Type	Attached
Garage Area	636 sqft
Porch	Open Frame Porch
Porch Area	116 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	941 SPRUCE ST
City	DENVER
State	CO
Zip	80230-7061
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-2-A
Legal Description	LOWRY FILING NO 11 B12 L13
Legal Subdivision	LOWRY FILING NO 11
Legal Block	1
Legal Lot Number	13
Jurisdiction	DENVER CO
Township / Civil Division	DENVER
Census Block Group	1
Census Block	1005
Census Tract	4406

Owner

941 Spruce St is owned and occupied by two individuals who bought it in May 2022.

Source: Denver City records, as of May 29, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	941 SPRUCE ST, DENVER, CO 80230-7061
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 5, 2022	Special Warranty Deed, Transfer · Conventional Mortgage GUARDIAN MORTGAGE CO INC
Jan 20, 2022	Intrafamily Transfer, Transfer
Oct 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 6, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST
Jul 21, 2017	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 1, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2022 · Amount on File
Deed Sale	May 5, 2022 · Amount on File
Prior Sale	Jul 21, 2017 · Amount on File
Deed Document Number	202261198
Prior Transfer Date	Jan 7, 2022
Prior Transfer Doc	0000008705
Record Updated	Oct 29, 2026

May 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	DENVER CO
Recording Date	May 5, 2022
Property Address	941 SPRUCE ST, DENVER, CO 80230-7061
Document Number	0000061198
Instrument Date	Apr 23, 2022
Instrument	2022061198
Transaction Type	Transfer
Record Updated	May 12, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$92.50
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	941 SPRUCE ST, DENVER, CO 80230-7061

Mortgage

Document Number	0000061199
Date	May 5, 2022
Instrument	2022061199

Lender

Name	GUARDIAN MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Jun 1, 2027
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	4.87%
Index	Other
Max Rate	7.87%

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	DENVER CO
Recording Date	Jan 20, 2022
Property Address	941 SPRUCE ST, DENVER, CO 80230-7061
Document Number	0000008705
Instrument Date	Jan 7, 2022
Instrument	2022008705
Transaction Type	Transfer
Record Updated	Jan 28, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	941 SPRUCE ST, DENVER, CO 80230-7061

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENVER CO
Property Address	941 SPRUCE ST, DENVER, CO 80230-7061
Transaction Type	Mortgage
Record Updated	Sep 17, 2021
Title Company	FITCO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000170297
Date	Oct 15, 2020
Instrument	2020170297

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DENVER CO
Property Address	941 SPRUCE ST, DENVER, CO 80230-7061
Document Number	0000120940
Instrument Date	Sep 6, 2018
Transaction Type	Mortgage
Record Updated	Oct 3, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	941 SPRUCE ST DENVER CO 802307061, DENVER, CO 80230-7061

Mortgage

Document Number	0000120940
Date	Sep 24, 2018
Instrument	120940

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 23, 2043

Interest

Rate Type	Adjustable Rate

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	DENVER CO
Recording Date	Jul 21, 2017
Property Address	941 SPRUCE ST, DENVER, CO 80230-7061
Document Number	0000095455
Instrument Date	Jul 21, 2017
Instrument	2017095455
Transaction Type	Transfer
Record Updated	Sep 17, 2021
Title Company	EQUITY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$64.24
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	941 SPRUCE ST, DENVER, CO 80230-7061

Mortgage

Document Number	0000095456
Date	Jul 21, 2017
Instrument	2017095456

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	DENVER CO
Recording Date	May 1, 2017
Property Address	941 SPRUCE ST, DENVER, CO 80230-7061
Document Number	0000056975
Instrument Date	Apr 19, 2017
Instrument	56975
Transaction Type	Transfer
Record Updated	May 24, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	941 SPRUCE ST DENVER CO 802307061, DENVER, CO 80230-7061

Tax Assessment & Valuation

The 2025 property tax bill for 941 Spruce St was $5,036.

Source: Denver City assessment roll, as of May 29, 2026

Property Jurisdictions

Type	Name
State	Colorado
County / Municipality	Denver City
Unified School District	Denver County School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,036.00	$65,830 Land $14,500 Building $14,500	$933,800 Land $205,700 Building $728,100
2023	$4,969.00	$64,140 (+27.85%) Land $10,100 Building $54,040	$1,012,200 (+40.21%) Land $205,700 Building $806,500
2022		$50,170 Land $11,120 Building $39,050	$721,900 Land $160,000 Building $561,900
2021	$3,851.00

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 has no flood map on file for 941 Spruce St; 7 flood insurance policies are in force nearby.

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

FEMA Flood Zone	Not on file
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	7 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 941 Spruce St 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	DENVER WATER BOARD serves 1,287,000 people · EPA ID CO0116001
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	4 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	33 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 510 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	1,000 / 75
CenturyLink DSL · Fiber in parts of the area	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, LiveWireNet, Starry, WiFiHood.

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