113 W 3rd St, Florence, CO 81226 Property Records

Fremont County property record for 113 W 3rd St, Florence, CO 81226

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,025 sqft · built 1898
Lot Size	0.122 acres (5,320 sqft)
Owner	2 Individual Names on File
Tax Bill	$466 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`R020540`

Property Details

APN / Parcel Number

Primary APN	`R020540`
Alternative APN	`61000470`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,025 sqft Living Area
1st Floor Area	1,025 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1950
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,320 sqft (0.122 acres)
Garage Area	190 sqft

Exterior Amenities

Porch	Slab
Porch Area	204 sqft
Patio Area	168 sqft
Shed	1 Shed
Shed Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Evaporative
Heating System	Forced Air with A/C

Location & Zoning

Account Number	R020540
Street Address	113 W 3RD ST
City	FLORENCE
State	CO
Zip	81226-1406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 27 & E2 OF LOT 26 BLK 2 JAMES A MC CANDLESS ADD
Legal Subdivision	JAMES A MC CANDLESS ADD
Legal Block	2
Legal Lot Number	27,26
Jurisdiction	FREMONT CO
Township / Civil Division	FLORENCE
Census Block Group	2
Census Block	2054
Census Tract	978200

Owner

113 W 3rd St is owned and occupied by two individuals.

Source: Fremont County records, as of August 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	113 W 3RD ST, FLORENCE, CO 81226-1406
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 14, 2021	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Apr 12, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREMONT CO
Recording Date	Sep 10, 2026
Property Address	113 W 3RD ST, FLORENCE, CO 81226-1406
Document Number	0001058779
Instrument Date	Sep 3, 2026
Instrument	20261058779
Transaction Type	Mortgage
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 W 3RD ST, FLORENCE, CO 81226-1406

Mortgage

Document Number	0001058779,
Date	Sep 10, 2026
Instrument	20261058779

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREMONT CO
Property Address	113 W 3RD ST, FLORENCE, CO 81226-1406
Transaction Type	Mortgage
Record Updated	Sep 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001006588
Date	Sep 14, 2021
Instrument	1006588

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2036

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREMONT CO
Property Address	113 W 3RD ST, FLORENCE, CO 81226-1406
Document Number	0000972739
Instrument Date	Apr 12, 2019
Transaction Type	Mortgage
Record Updated	Jun 3, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	113 W 3RD ST FLORENCE CO 812261406, FLORENCE, CO 81226-1406

Mortgage

Document Number	0000972739
Date	Apr 17, 2019
Instrument	972739

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 16, 2034

Interest

Rate	0.5%

Tax Assessment & Valuation

The 2025 property tax bill for 113 W 3rd St was $466, up 43.4% from the year before.

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	$466.00 (+43.38%)	$11,757 (-0.82%)	$188,101
2024	$325.00 (+1.56%)	$11,854 (+45.11%)
2023	$320.00 (-12.57%)	$8,169 (-11.79%)	$176,921 (+32.77%)
2022	$366.00	$9,261	$133,252

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

FEMA maps place 113 W 3rd St in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 44 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	44 in force
Nearby Flood Claims	4 (1999–2018)
Most Recent Claim	Jul 2018 · 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

Wildfire risk around 113 W 3rd St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · lower than 78% of Colorado
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach

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

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
SECOM Fixed Wireless	100 / 25
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon, Visionary Broadband.

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