St Elmo Townsite
St Elmo Townsite, CO
CMS-SE, LLC · Chaffee County, CO
Needs review means a record exists that requires verification. No record means nothing is on file — which is not an all-clear.
High wildfire and flood exposure — weigh insurance and resale risk carefully.
- FEMA Special Flood Hazard Area
- Very High wildfire risk
- Group-D soil — high runoff, septic & foundation risk
Action plan for this parcel
- 1.
Run a replacement-cost reality check
CriticalinsuranceVery High wildfire + SFHA flood at 10,085 ft. Insurance non-renewal risk is elevated; private flood + standalone wildfire markets are usually the only path. Get current replacement-cost estimate (build cost x sq ft) before next renewal.
- 2.
2 rebate programs match this address
RecommendedrebateAcross state, county, and local sponsors — up to $1,000 stackable. Includes Colorado Wildfire Mitigation Income Tax Credit; Forest Restoration and Wildfire Risk Mitigation (FRWRM) Grant.
AcreScope presents data and surfaces actions — it does not provide financial, legal, tax, or insurance advice. Confirm with a qualified professional before incurring costs.
The deal
What this parcel is worth, what encumbers it, and what its paper trail says — value, distress, listings, sales, and tax.
No distress filings on record for this parcel. We monitor county clerk recordings (NEDs, lis pendens, liens, judgements) and join them via fuzzy name match.
No active for-sale listings on record for this parcel. We track public-record foreclosure-sale lists (county Public Trustee) and attach them here when a sale is scheduled.
NATHROP, CO 812360283
The land
What the ground itself is — cover, soils, buildability, water, minerals, and the public land around it.
- Farmland class
- Not prime farmland
- Land-capability (irrigated)
- 6w
- Land-capability (non-irrigated)
- 6w
- Drainage
- Poorly drained
- Hydrologic group
- B/D
- Slope
- 3%
- Avail. water capacity
- 0.19 cm/cm
- FEMA special flood hazard area
- Group-D soil — high runoff; septic & foundation cost
- EPA radon Zone 1 — sub-slab mitigation typical
- Mean annual precipitation
- 27.8 in
- Mean annual snowfall
- 116 inHeavy snow load
- Mean annual temperature
- 35°F
- Frost-free season
- 144 days/yr(moderate growing season)
Source: Open-Meteo Historical Weather archive (ERA5 reanalysis), 2014–2023 daily normals. Frost-free days count days whose overnight low stayed above 32°F. The snow-load band is a buyer-facing heuristic from annual snowfall, not an engineered ground-snow-load design value — confirm with the local building department before relying on it.
1 decreed water right on record (oldest priority 1975) — a transferable water asset that conveys with the land.
| Priority | Structure | Source | Decreed |
|---|---|---|---|
| 1975-01-06 | JANES WELL NO 1(Well)WDID 1105082 ↗ | GROUNDWATER: ARKANSAS RIVER | 0.027 C |
- Permitted wells
- 14
- Primary use
- Household use only
- Max yield
- 8 gpm
- Deepest well
- 440 ft
- Most recent permit
- 2009-10-29
Source: the Colorado Division of Water Resources well-permit registry (CDSS). These are WATER wells (domestic / irrigation / stock), not oil & gas wells. Wells are matched to the parcel by proximity to its centroid, not by surveyed boundary — a well listed here can sit on an adjacent parcel. Descriptive, not legal advice — confirm the permit location, decreed use, and yield with CO DWR before relying on them.
No oil & gas wells within ½ mile of this parcel. Sourced from the Colorado Energy & Carbon Management Commission (ECMC) public registry.
- USFS· NFSan Isabel National ForestPike and San Isabel National Forestsparcel inside unit boundary0 mi1,109K ac
Distance is measured to the nearest edge of each unit's bounding box (a fast approximation, not precise polygon containment). “Inside unit boundary” means the parcel centroid sits within the unit's bbox; verify against the unit's precise boundary before acting.
- Mineral rights designation
- No Minerals
- Federal estate acres overlapping
- 521
Source: BLM Colorado Federal Mineral Estate (Solid Colors). Split-estate ownership is common in the Western US — verify deed history and any mineral-rights conveyance/reservation before relying on this signal.
The risk
What could burn, flood, slide, or fail to insure — and how exposed this parcel actually is.
| Incident | Acres | Contained | Distance |
|---|---|---|---|
| Willow | 7,196 | 80% | 34.2 mi |
- Wildfire damage potential (CO-WRA)
Very High▾
Wildfire damage potential is Very High. Mitigation work materially reduces risk and qualifies for rebates + insurance discounts.
- CO-WRA bld_dmg_pot tier
- Very High
- AcreScope wildfire component (0-100)
- 100
Actions that move this rating- Defensible-space rebate stack — Run the AcreScope rebate-stack tool for this address. CO offers up to $30K+ stackable across state, county, town, and nonprofit programs.
- Wildfire Partners / IBHS Wildfire Prepared Home certification — Independent home-hardening certification. Accepted by Allstate, State Farm, USAA, AmFam — typically reduces premium 10-15% on the standard wildfire surcharge.
- Schedule a free wildfire assessment — Most CO mountain fire districts and county Wildfire Councils offer free on-site risk assessments. Apply outputs to the rebate-stack actions above.
Source: Colorado Wildfire Risk Assessment (CO-WRA) · bld_dmg_pot
- FEMA flood zone
FEMA zone A▾
FEMA Special Flood Hazard Area — Zone A. Federal flood insurance is required for federally-backed mortgages.
- FEMA NFHL zone
- A
- Special Flood Hazard Area
- Yes — high-risk
- AcreScope flood component (0-100)
- 80
Actions that move this rating- FEMA Elevation Certificate — A licensed surveyor produces an EC documenting the first-floor elevation relative to base flood elevation. Often reduces NFIP premium significantly; required for some private flood carriers.
- Compare NFIP vs private flood policies — Private flood insurance has expanded since 2019; for some SFHA properties it under-prices NFIP by 30-50% with broader coverage limits.
- In Special Flood Hazard Area?
- Yes — flood insurance required
- Elevation
- 10,085 ft · 3,074 m
- Nearest SNOTEL station
- Saint Elmo1.0 mi · 10,420 ftSnowpack reference for this area — link out for current SWE + 30-year normal.
- EPA radon zone
- Zone 1 — highest potential (predicted indoor avg > 4 pCi/L)
Sources: Colorado Geological Survey statewide Landslide Inventory (mapped deposits, not a debris-flow susceptibility model), the EPA Map of Radon Zones (county-level), and the USGS Quaternary Fault and Fold Database. Descriptive, not legal or engineering advice — confirm slope stability, radon, and seismic conditions with a qualified professional before acting.
The owner
Who holds it, through what entity, and what else that owner holds.
- Entity name
- CMS-SE, LLC
- Status
- Good Standing
- State of formation
- CO
- Formation date
- 2024-03-21
- Entity type
- DLLC
- Registered agent
- MELANIE MILAM ROTH
| Related entity | Status | Link | Parcels |
|---|---|---|---|
| XYZ & COD, LLC(CO) | Good Standing | agent + address | 19 |
| Historic St. Elmo And Chalk Creek Canyon, Inc.(CO) | Good Standing | agent + address | 5 |
| Historic Chalk Creek Mining, LLC(CO) | Good Standing | agent + address | 2 |
- Median household income
- $91,173
- Median home value
- $549,100
- Median gross rent
- $224/mo
- Median age
- 43
- Owner-occupied
- 56.7%(402 of 709 units)
- Bachelor's degree or higher
- 60.2%
- Vacancy rate
- 32.7%
Source: U.S. Census Bureau ACS 2022 5-year estimates, block group 080150004032. Block groups average ~1,500 people; these stats describe the surrounding community, not this parcel specifically.
- Verdict & action plan — full write-up with every claim cited to its record (free: summary above)
- Recommended diligence — the complete prioritized checklist for this parcel (free: top action above)
- Property & valuation — comp set, ag use-value adjustment, valuation walk-through (free: assessor value above)
- Land & stewardship — land cover, soils, buildability, regenerative potential
- Water & subsurface — each decreed right with priority date, WDID, and diversion history (free: counts above)
- Climate & hazards — burn history, insurability workup, mitigation rebate stack (free: tiers above)
- Distress & ownership — filing-by-filing record and the owner’s full entity network (free: flags above)
- Sources & methodology — every source record linked, dated, and retrievable
$99 per parcel — less than a third of one hour with the water attorney it tells you whether you need.
- Parcel ID
- 9478903a-d345-487a-b357-b215e0c68a7c
- APN
- 342532400026
- Schedule
- R342532400026
- Assessor record
- 2026-08-22
- Sale history
- 2026-06-02
- Water rights
- 2026-08-20
- Well permits
- 2026-06-09
- Oil & gas wells
- 2026-08-20
- Federal mineral estate
- 2026-08-22
- Flood zones
- 2026-06-03
- Fire perimeters
- 2026-08-24
- Distress filings
- 2026-08-24
- Entity registrations
- 2026-08-22
- Conservation easements
- 2026-06-11
The date our copy of that office’s records last changed — domains update on different cadences.