956 Silver Sage Ln, Lyons, CO 80540 Property Records

Larimer County property record for 956 Silver Sage Ln, Lyons, CO 80540

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 3,513 sqft · built 2018
Lot Size	50 acres (2,178,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$2,295,000 (Apr 2025)
Tax Bill	$10,089 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Oct 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`14132-00-008`

Property Details

APN / Parcel Number

Primary APN	`14132-00-008`
Alternative APN	`R1600996`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	3,513 sqft Living Area
Gross Area	4,370 sqft
Basement Area	1,397 sqft
Finished Basement	1,256 sqft
Unfinished Basement	141 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Bi-Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	2,178,000 sqft (50 acres)
Garage Type	Attached
Garage Area	716 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Slab
Porch Area	1,988 sqft
Patio Area	600 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Water Source	Cistern

Location & Zoning

Account Number	R1600996
Street Address	956 SILVER SAGE LN
City	LYONS
State	CO
Zip	80540-8454
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	O
Legal Description	POR 13 & 14-4-71 DESC AS BEG AT SE COR OF SW 1/4 OF NW 1/4 SEC 13, TH ALG S LN SW 1/4 OF NW 1/4 S 87 37 9 W 1332.14 FT TO E 1/4 COR SEC 14, S 89 19 W 709.3 FT, N 30 31 29 E 1401.9 FT, N 48 55 50 E 675.83 FT, N 58 52 17 E 163.34 FT, N 64 17 56 E 3
Legal Range	71W
Legal Township	4N
Legal Section	13
Jurisdiction	LARIMER CO
Township / Civil Division	LOVELAND
Census Block Group	1
Census Block	1061
Census Tract	1905

Owner

Source: Larimer County records, as of April 15, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1091 GAVIOTA DR, LAGUNA BEACH, CA 92651-2747
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Oct 7, 2019	Deed of Trust, Mortgage · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC
Nov 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC
Mar 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC
Dec 21, 2017	Quit Claim Deed, Transfer · Construction Mortgage GUARANTY BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 4, 2025 · Amount on Record
Deed Sale	Apr 4, 2025 · Amount on Record
Prior Sale	Feb 9, 2015 · Amount on Record
Deed Document Number	202513957
Prior Transfer Date	Dec 19, 2017
Prior Transfer Doc	0000085666
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Recording Date	Apr 9, 2026
Property Address	956 SILVER SAGE LN, LYONS, CO 80540-8454
Document Number	0000016469
Instrument Date	Apr 7, 2026
Instrument	202616469
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	PENNYMAC LOAN SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1091 GAVIOTA DR, LAGUNA BEACH, CA 92651-2747
Investor	Possibly a Property Investor

Mortgage

Document Number	0000016469,
Date	Apr 9, 2026
Instrument	202616469

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.63%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	956 SILVER SAGE LN, LYONS, CO 80540-8454
Transaction Type	Mortgage
Record Updated	Jul 26, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000061355
Date	Oct 7, 2019
Instrument	20190061355

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	956 SILVER SAGE LN, LYONS, CO 80540-8454
Transaction Type	Mortgage
Record Updated	Jul 26, 2022
Title Company	FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000072111
Date	Nov 28, 2018
Instrument	20180072111

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	956 SILVER SAGE LN, LYONS, CO 80540-8454
Transaction Type	Mortgage
Record Updated	Jul 26, 2022
Title Company	ASCENDANT TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028667
Date	Mar 22, 2021
Instrument	20210028667

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LARIMER CO
Recording Date	Dec 21, 2017
Property Address	956 SILVER SAGE LN, LYONS, CO 80540-8454
Document Number	0000085666
Instrument Date	Dec 19, 2017
Instrument	20170085666
Transaction Type	Transfer
Record Updated	Jul 26, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	619 PLATT ST, LONGMONT, CO 80501-4931

Mortgage

Document Number	0000085711
Date	Dec 21, 2017
Instrument	20170085711

Lender

Name	GUARANTY BANK & TRUST CO
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Larimer County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Larimer County
Unified School District	St. Vrain Valley School District RE 1J (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,089.00 (-4.51%)	$76,488 (-24.97%) Land $18,625 Building $57,863	$1,223,800 (-1.19%) Land $298,000 Building $925,800
2024	$10,566.00 (+0.8%)
2023	$10,482.00 (+32.38%)	$101,939 (+50.79%) Land $21,622 Building $80,317	$1,238,600 (+27.34%) Land $281,900 Building $956,700
2022	$7,918.00	$67,603 Land $14,943 Building $52,660	$972,700 Land $215,000 Building $757,700

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 September 30, 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	2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Extreme above 95% of the US · above 97.9% of Colorado
Wildfire Likelihood	2% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
xBar7 Communications Fixed Wireless	200 / 200

Cell Coverage

4G LTE (outdoors only), no 5G reported

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