977 Saddle Ridge Dr, Evergreen, CO 80439 Property Records

Clear Creek County property record for 977 Saddle Ridge Dr, Evergreen, CO 80439

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,260 sqft · built 1995
Lot Size	2.48 acres (108,029 sqft)
Owner	Individual Name on Record
Last Sale	$1,220,000 (Oct 2023)
Tax Bill	$4,799 (2025)
Deeds & Mortgages	Oct 2023 Sale & Reverse Mortgage Sep 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1963-034-05-004`

Property Details

APN / Parcel Number

Primary APN	`1963-034-05-004`
Alternative APN	`R011950`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,260 sqft
Basement Area	975 sqft
Finished Basement	795 sqft
Unfinished Basement	180 sqft
Flooring	Carpet
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Architectural Style	Contemporary
Exterior Material	Wood Shingle
Lot Area	108,029 sqft (2.48 acres)
Terrain	Combination
Garage Type	Basement
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	349 sqft
Patio Area	349 sqft

Utilities, Heating & Cooling

Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	R011950
Old Parcel Number	1963034 05004
Street Address	977 SADDLE RIDGE DR
City	EVERGREEN
State	CO
Zip	80439-4915
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MR-1
Legal Description	SUBDIVISION: SADDLEBACK HEIGHTS LOT: 4 ESMT 536/38 537/868
Legal Subdivision	SADDLEBACK HEIGHTS
Legal Lot Number	4
Jurisdiction	CLEAR CREEK CO
Township / Civil Division	IDAHO SPRINGS
Census Block Group	3
Census Block	3063
Census Tract	14702

Owner

Source: Clear Creek County records, as of February 12, 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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	977 SADDLE RIDGE DR, EVERGREEN, CO 80439-4915
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2023	Special Warranty Deed, Transfer · Reverse Mortgage NAVY FCU
Sep 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF KANSAS CITY
Apr 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage NBKC BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2023 · Amount on Record
Deed Sale	Oct 2, 2023 · Amount on Record
Deed Document Number	310761
Deed Book / Page	1050 / 156
Record Updated	Jun 8, 2026

October 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CLEAR CREEK CO
Recording Date	Oct 2, 2023
Property Address	977 SADDLE RIDGE DR, EVERGREEN, CO 80439-4915
Document Number	0010500156
Book / Page	1050 / 156
Instrument Date	Sep 28, 2023
Instrument	310761
Transaction Type	Transfer
Record Updated	Apr 12, 2024
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$122.00
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	977 SADDLE RIDGE DR, EVERGREEN, CO 80439-4915

Mortgage

Document Number	0000310762
Date	Oct 2, 2023
Instrument	310762

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

Interest

Rate	6.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2028
Change Frequency	5 Years
Min Rate At Change	4.5%
Max Rate At Change	8.5%
Index	5-Year CMT
Margin	2
Max Rate	11.5%

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEAR CREEK CO
Property Address	977 SADDLE RIDGE DR, EVERGREEN, CO 80439-4915
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0009390976
Date	Sep 26, 2017
Book Page	00939/0976
Instrument	285588

Lender

Name	NATIONAL BANK OF KANSAS CITY
Type	Bank
Address	KANSAS CITY, MO 64114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLEAR CREEK CO
Property Address	977 SADDLE RIDGE DR, EVERGREEN, CO 80439-4915
Document Number	0009820001
Instrument Date	Apr 23, 2020
Transaction Type	Mortgage
Record Updated	May 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	977 SADDLE RIDGE DR EVERGREEN CO 804394915, EVERGREEN, CO 80439-4915

Mortgage

Document Number	0009820001
Date	May 1, 2020
Book Page	000982/000001
Instrument	295303

Lender

Name	NBKC BK
Address	KANSAS CITY, MO 64114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2050

Tax Assessment & Valuation

Source: Clear Creek County assessment roll, as of August 25, 2025

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	$4,799.00 (+27.84%)	$60,990 (+17.97%) Land $3,390 Building $57,600	$975,860 (+26.47%) Land $54,300 Building $921,560
2023	$3,754.00 (+19.86%)	$51,700 (+21.02%) Land $3,400 Building $48,300	$771,620 (+25.53%) Land $50,690 Building $720,930
2022	$3,132.00	$42,720 Land $3,770 Building $38,950	$614,710 Land $54,300 Building $560,410

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 December 20, 2019 · 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	5 in force
Nearby Flood Claims	1 (2025)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2025 · other causes

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	Very High above 94% of the US · above 97.3% of Colorado
Wildfire Likelihood	0.9% 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 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Visionary Broadband Fixed Wireless	200 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20
Clear Creek Broadband Fixed Wireless	50 / 10

May also be available: CenturyLink, Rise Broadband, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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