997 Joy Ln, Westcliffe, CO 81252 Property Records

Custer County property record for 997 Joy Ln, Westcliffe, CO 81252

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,008 sqft · built 1995
Lot Size	35.1 acres (1,528,956 sqft)
Owner	2 Individual Names on Record
Last Sale	$312,000 (Aug 2020)
Tax Bill	$905 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Aug 2020 Sale & Mortgage + 1 more
APN	`0010000410`

Property Details

APN / Parcel Number

Primary APN	`0010000410`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,008 sqft Heated Area
Gross Area	1,614 sqft
1st Floor Area	1,008 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Stone
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,528,956 sqft (35.1 acres)
Porch	Slab
Porch Area	606 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Heating Fuel	Wood

Location & Zoning

Street Address	997 JOY LN
City	WESTCLIFFE
State	CO
Zip	81252-9268
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 ELK HAVEN RANCH
Legal Subdivision	ELK HAVEN
Legal Lot Number	10
Jurisdiction	CUSTER CO
Township / Civil Division	WESTCLIFFE
Census Block Group	2
Census Block	2036
Census Tract	970102

Owner

Source: Custer County records, as of June 9, 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	1140 CHEROKEE ST, 603, DENVER, CO 80204-3684
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2018	Deed of Trust, Mortgage · ARM LOANDEPOT.COM LLC
Aug 25, 2020	Special Warranty Deed, Transfer · Conventional Mortgage CORNERSTONE HOME LENDING INC
Jul 17, 2017	Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2020 · Amount on Record
Deed Sale	Aug 25, 2020 · Amount on Record
Prior Sale	Jul 17, 2017 · Amount on Record
Deed Document Number	2020238831
Record Updated	Sep 20, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUSTER CO
Property Address	997 JOY LN, WESTCLIFFE, CO 81252-9268
Transaction Type	Mortgage
Record Updated	Mar 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000233723
Date	Oct 15, 2018
Instrument	233723

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Type Change Date	Nov 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.75%
Index	1-Year CMT
Max Rate	9.75%

August 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	CUSTER CO
Recording Date	Aug 25, 2020
Property Address	997 JOY LN, WESTCLIFFE, CO 81252-9268
Document Number	0000238831
Instrument Date	Aug 21, 2020
Instrument	238831
Transaction Type	Transfer
Record Updated	Mar 11, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$31.20
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	1372 IVANHOE ST, DENVER, CO 80220-2627

Mortgage

Document Number	0000238832
Date	Aug 25, 2020
Instrument	238832

Lender

Name	CORNERSTONE HOME LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUSTER CO
Recording Date	Jul 17, 2017
Property Address	997 JOY LN, WESTCLIFFE, CO 81252-9268
Document Number	0000230206
Instrument Date	Jul 17, 2017
Instrument	230206
Transaction Type	Transfer
Record Updated	Mar 11, 2024
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$23.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	997 JOY LN, WESTCLIFFE, CO 81252-9268

Tax Assessment & Valuation

Source: Custer County assessment roll, as of June 9, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Custer County
Unified School District	Custer County School District C-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$905.00 (+24.48%)	$13,420 (-11.07%)	$209,858 (-5.01%)
2023	$727.00 (+6.44%)	$15,090 (+41.82%)	$220,925 (+53.08%)
2022	$683.00	$10,640 Land $1,540 Building $9,100	$144,317 Land $17,044 Building $127,273

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

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 67% of the US · above 60% of Colorado
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Visionary Broadband Fixed Wireless	25 / 3

Cell Coverage

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

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