109 Lock Ave, Florence, CO 81226 Property Records

Fremont County property record for 109 Lock Ave, Florence, CO 81226

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,156 sqft · built 1903
Lot Size	0.282 acres (12,300 sqft)
Owner	Individual Name on File
Tax Bill	$1,371 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R021493`

Property Details

APN / Parcel Number

Primary APN	`R021493`
Alternative APN	`61011630`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,156 sqft Living Area
1st Floor Area	1,156 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1903
Effective Year Built	Effective 1965
Architectural Style	Bungalow
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,300 sqft (0.282 acres)
Garage Type	Carport
Garage Area	441 sqft
Carport	Carport
Carport Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	392 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	R021493
Street Address	109 LOCK AVE
City	FLORENCE
State	CO
Zip	81226-1334
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 32,33 & 34 BLK 3 FRAZIER ADD
Legal Subdivision	FRAZIER ADD
Legal Block	3
Legal Lot Number	32-34
Jurisdiction	FREMONT CO
Township / Civil Division	FLORENCE
Census Block Group	3
Census Block	3021
Census Tract	978200

Owner

Source: Fremont County records, as of August 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 File
Mailing Address	109 LOCK AVE, FLORENCE, CO 81226-1334
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2023	Warranty Deed, Transfer · VA Mortgage NFM INC
Dec 21, 2020	Warranty Deed, Transfer · FHA Mortgage EVERETT FINANCIAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREMONT CO
Recording Date	Mar 29, 2023
Property Address	109 LOCK AVE, FLORENCE, CO 81226-1334
Document Number	0001025834
Instrument Date	Mar 28, 2023
Instrument	1025834
Transaction Type	Transfer
Record Updated	May 16, 2023
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$25.60
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 LOCK AVE, FLORENCE, CO 81226-1334

Mortgage

Document Number	0001025835
Date	Mar 29, 2023
Instrument	1025835

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREMONT CO
Recording Date	Dec 21, 2020
Property Address	109 LOCK AVE, FLORENCE, CO 81226-1334
Document Number	0000994586
Instrument Date	Dec 17, 2020
Instrument	994586
Transaction Type	Transfer
Record Updated	Jun 21, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$21.99
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 LOCK AVE, FLORENCE, CO 81226-1334

Mortgage

Document Number	0000994587
Date	Dec 21, 2020
Instrument	994587

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

Source: Fremont County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Fremont County
Municipality	Florence City
Unified School District	Fremont RE-2 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,371.00 (+26.01%)	$17,296 (-0.24%)	$276,735 (+6.94%)
2024	$1,088.00 (+43.92%)	$17,338 (+79.78%)
2023	$756.00 (-4.91%)	$9,644 (-4.12%)	$258,779 (+78.82%)
2022	$795.00	$10,058	$144,717

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 23, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	6 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	Moderate above 54% of the US · lower than 62% of Colorado
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CITY OF FLORENCE serves 7,500 people · EPA ID CO0122500
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Organic carbon removal Jul 2025
Monitoring and Reporting	3 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 167 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
SECOM Fixed Wireless	300 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink.

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