9449 E 109th Ave, Commerce City (Henderson), CO 80640 Property Records

Adams County property record for 9449 E 109th Ave, Commerce City, CO 80640

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,944 sqft · built 2010
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on Record
Last Sale	$509,000 (Apr 2024)
Tax Bill	$3,558 (2025)
Deeds & Mortgages	Apr 2024 Second Mortgage Apr 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R0138960`

Property Details

APN / Parcel Number

Primary APN	`R0138960`
Alternative APNs	`0172110104029` `172110104029`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,944 sqft Living Area
1st Floor Area	919 sqft
2nd Floor Area	1,024 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,356 sqft (0.1 acres)
Garage Type	Attached
Garage Area	372 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Deck Area	50 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	R0138960
Old Parcel Number	172110104029
Street Address	9449 E 109TH AVE
City	COMMERCE CITY
State	CO
Zip	80640-7551
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUB:BELLE CREEK FILING NO 2 BLK:9 LOT:27
Legal Range	67W
Legal Township	02S
Legal Section	10
Legal Quarter	NE
Legal Subdivision	BELLE CREEK
Legal Block	9
Legal Lot Number	27
Jurisdiction	ADAMS CO
Township / Civil Division	BRIGHTON
Census Block Group	1
Census Block	1015
Census Tract	8535

Owner

Source: Adams 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	9449 E 109TH AVE, COMMERCE CITY, CO 80640-7551
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LOWER LLC
Apr 5, 2024	Warranty Deed, Transfer · FHA Mortgage LOWER LLC
Aug 2, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jul 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRSTBANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 5, 2024 · Amount on Record
Deed Sale	Apr 5, 2024 · Amount on Record
Prior Sale	Nov 3, 2011 · Amount on Record
Deed Document Number	2024000017966
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS CO
Property Address	9449 E 109TH AVE, COMMERCE CITY, CO 80640-7551
Transaction Type	Mortgage
Record Updated	Apr 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10350 DOVER ST A21, A21, WESTMINSTER, CO 80021-5523

Mortgage

Document Number	0000019088
Date	Apr 12, 2024
Instrument	2024000019088

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	5950 SYMPHONY WOODS RD STE 301, COLUMBIA, MD 21044

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ADAMS CO
Recording Date	Apr 5, 2024
Property Address	9449 E 109TH AVE, COMMERCE CITY, CO 80640-7551
Document Number	0000017966
Instrument Date	Apr 3, 2024
Instrument	2024000017966
Transaction Type	Transfer
Record Updated	May 20, 2024
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$50.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9449 E 109TH AVE, COMMERCE CITY, CO 80640-7551

Mortgage

Document Number	0000017967
Date	Apr 5, 2024
Instrument	2024000017967

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS CO
Property Address	9449 E 109TH AVE, COMMERCE CITY, CO 80640-7551
Transaction Type	Mortgage
Record Updated	Aug 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000044001
Date	Aug 2, 2023
Instrument	2023000044001

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	RENO, NV 89501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 23, 2053

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ADAMS CO
Property Address	9449 E 109TH AVE, COMMERCE CITY, CO 80640-7551
Document Number	0000069853
Instrument Date	Jul 17, 2020
Transaction Type	Mortgage
Record Updated	Jul 29, 2020
Title Company	LAND TITLE GUARANTEE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9449 E 109TH AVE COMMERCE CITY CO 806407551, COMMERCE CITY, CO 80640-7551

Mortgage

Document Number	0000069853
Date	Jul 24, 2020
Instrument	69853

Lender

Name	FIRSTBANK
Type	Bank
Address	LAKEWOOD, CO 80215

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 23, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.12%

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Colorado
County	Adams County
Municipality	Commerce City
Unified School District	School District 27J (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,558.00 (-36.85%)	$31,000 (-7.24%) Land $6,250 Building $24,750	$496,000 (+0.4%) Land $100,000 Building $396,000
2023	$5,634.00 (+2.64%)	$33,420 (+3.63%) Land $6,430 Building $26,990	$494,000 (+6.5%) Land $95,000 Building $399,000
2022	$5,489.00	$32,250 Land $12,520 Building $19,730	$463,842 Land $180,000 Building $283,842

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 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
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2015 · Severe Storms, Tornadoes, 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	Low lower than 98% of the US · lower than 99.2% of Colorado
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	SOUTH ADAMS COUNTY WSD serves 75,559 people · EPA ID CO0101140
Water Source	Purchased surface water from DENVER WATER BOARD
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 275 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Rise Broadband Fixed Wireless	300 / 60
CenturyLink DSL	140 / 20

May also be available: Aerux Broadband, Verizon.

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