124 W 4th St, Florence, CO 81226 Property Records

Fremont County property record for 124 W 4th St, Florence, CO 81226

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,412 sqft · built 1898
Lot Size	0.122 acres (5,320 sqft)
Owner	Trust Name on File
Tax Bill	$1,167 (2025)
Deeds & Mortgages	May 2021 Line of Credit Jan 2024 Transfer + 3 more
Flood Zone	Zone AE (high risk)
APN	`R020672`

Property Details

APN / Parcel Number

Primary APN	`R020672`
Alternative APN	`61002020`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,412 sqft Living Area
Gross Area	1,592 sqft
Basement Area	180 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1965
Architectural Style	Multi-Level
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Roof Type	Flat
Roof Material	Other
Lot Area	5,320 sqft (0.122 acres)

Exterior Amenities

Porch	Slab
Porch Area	121 sqft
Deck Area	Deck Area
Patio Area	18 sqft
Shed	1 Shed
Shed Area	320 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	R020672
Street Address	124 W 4TH ST
City	FLORENCE
State	CO
Zip	81226-1119
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 12 & E2 LOT 13 BLK 4 JAMES A MC CANDLESS ADD
Legal Subdivision	JAMES A MC CANDLESS ADD
Legal Block	4
Legal Lot Number	12,13
Jurisdiction	FREMONT CO
Township / Civil Division	FLORENCE
Census Block Group	2
Census Block	2045
Census Tract	978200

Owner

124 W 4th St is owner-occupied and held in a trust since October 2022.

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

Owner of Record	Trust Name on File
Mailing Address	124 W 4TH ST, FLORENCE, CO 81226-1119
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable Trust

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
May 18, 2021	Deed of Trust, Mortgage · Line of Credit ENT CU
Jan 25, 2024	Quit Claim Deed, Transfer Quitclaim
Jun 28, 2022	Special Warranty Deed, Transfer · Conventional Mortgage LOAN SIMPLE INC
Dec 27, 2019	Deed of Trust, Mortgage · Conventional with PMI PENNYMAC
Aug 7, 2017	Special Warranty Deed, Transfer · FHA Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 8, 2022
Transfer Doc	0001033831
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREMONT CO
Property Address	124 W 4TH ST, FLORENCE, CO 81226-1119
Transaction Type	Mortgage
Record Updated	May 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001001320
Date	May 18, 2021
Instrument	1001320

Lender

Name	ENT CU
Type	Credit Union
Address	COLORADO SPRINGS, CO 80920

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	May 28, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FREMONT CO
Recording Date	Jan 25, 2024
Property Address	124 W 4TH ST, FLORENCE, CO 81226-1119
Document Number	0001033831
Instrument Date	Oct 8, 2022
Instrument	1033831
Transaction Type	Transfer
Record Updated	Feb 2, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	124 W 4TH ST, FLORENCE, CO 81226-1119

June 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FREMONT CO
Recording Date	Jun 28, 2022
Property Address	124 W 4TH ST, FLORENCE, CO 81226-1119
Document Number	0001018009
Instrument Date	Jun 27, 2022
Instrument	1018009
Transaction Type	Transfer
Record Updated	May 22, 2023
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$26.99
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 W 4TH ST, FLORENCE, CO 81226-1119

Mortgage

Document Number	0001018010
Date	Jun 28, 2022
Instrument	1018010

Lender

Name	LOAN SIMPLE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREMONT CO
Property Address	124 W 4TH ST, FLORENCE, CO 81226-1119
Document Number	0000981518
Instrument Date	Dec 27, 2019
Transaction Type	Mortgage
Record Updated	Jan 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	PO BOX 698 FLORENCE CO 812260698, FLORENCE, CO 81226-0698

Mortgage

Document Number	0000981518
Date	Jan 6, 2020
Instrument	981518

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 5, 2050

August 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FREMONT CO
Recording Date	Aug 7, 2017
Property Address	124 W 4TH ST, FLORENCE, CO 81226-1119
Document Number	0000952979
Instrument Date	Aug 4, 2017
Instrument	952979
Transaction Type	Transfer
Record Updated	Jun 21, 2022
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13.75
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	PO BOX 698, FLORENCE, CO 81226-0698

Mortgage

Document Number	0000952980
Date	Aug 7, 2017
Instrument	952980

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 124 W 4th St was $1,167, up 37.5% 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	$1,167.00 (+37.46%)	$14,718 (+2.61%)	$235,486
2024	$849.00 (+1.56%)	$14,343 (+34.59%)
2023	$836.00 (-7.42%)	$10,657 (-6.77%)	$214,062 (+30.15%)
2022	$903.00	$11,431	$164,470

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 124 W 4th St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective October 23, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 124 W 4th 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 67% of the US · lower than 84% of Colorado
Wildfire Likelihood	0.04% 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 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.

Nearby Properties on W 4th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures