128 Carpenter Rd, Fort Collins, CO 80525 Property Records

Larimer County property record for 128 Carpenter Rd, Fort Collins, CO 80525

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.25 ba · 5,090 sqft · built 1963
Lot Size	3.1 acres (135,036 sqft)
Owner	2 Individual Names on Record
Last Sale	$940,000 (Dec 2025)
Tax Bill	$4,717 (2025)
Deeds & Mortgages	Mar 2025 Line of Credit Dec 2025 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`96133-08-039`

Property Details

APN / Parcel Number

Primary APN	`96133-08-039`
Alternative APN	`R1314068`

Interior

Bedrooms	4 Beds
Full Baths	4.25 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	5,090 sqft Living Area
1st Floor Area	1,853 sqft
Upper Floors Area	304 sqft
Basement Area	1,437 sqft
Finished Basement	1,437 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	135,036 sqft (3.1 acres)
View / Lot	Traffic
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	1,696 sqft
Patio Area	720 sqft
Balcony Area	240 sqft
Greenhouse	1,800 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	R1314068
Street Address	128 CARPENTER RD
City	FORT COLLINS
State	CO
Zip	80525-4207
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FA
Legal Description	LOT 39A, AMD PLAT OF LOTS 38 & 39 VICTORIA EST (19900015100)
Legal Range	69W
Legal Township	6N
Legal Section	13
Legal Subdivision	VICTORIA ESTATES
Legal Lot Number	39A
Jurisdiction	LARIMER CO
Township / Civil Division	LOVELAND
Census Block Group	2
Census Block	2018
Census Tract	1708

Owner

Source: Larimer County records, as of February 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	128 CARPENTER RD, FORT COLLINS, CO 80525-4207
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2025	Deed of Trust, Mortgage · Line of Credit ELEVATIONS CU
Dec 5, 2025	Special Warranty Deed, Transfer · Non-Conforming Investor Loan FIRST FARMBANK
Aug 3, 2023	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Mar 24, 2023	Quit Claim Deed, Transfer Quitclaim
May 11, 2021	Quit Claim Deed, Transfer Quitclaim
Mar 9, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2025 · Amount on Record
Deed Sale	Dec 5, 2025 · Amount on Record
Prior Sale	Aug 3, 2023 · Amount on Record
Deed Document Number	202558449
Prior Transfer Date	Mar 22, 2023
Prior Transfer Doc	0000011408
Record Updated	Sep 20, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	128 CARPENTER RD, FORT COLLINS, CO 80525-4207
Transaction Type	Mortgage
Record Updated	Dec 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 CARPENTER RD, FORT COLLINS, CO 80525-4207

Mortgage

Document Number	0000011894
Date	Mar 25, 2025
Instrument	20250011894

Lender

Name	ELEVATIONS CU
Type	Credit Union
Address	BOULDER, CO 80301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Dec 5, 2025
Property Address	128 CARPENTER RD, FORT COLLINS, CO 80525-4207
Document Number	0000058449
Instrument Date	Dec 3, 2025
Instrument	20250058449
Transaction Type	Transfer
Record Updated	Dec 16, 2025
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$94.00
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	128 CARPENTER RD, FORT COLLINS, CO 80525-4207

Mortgage

Document Number	0000058450
Date	Dec 5, 2025
Instrument	20250058450

Lender

Name	FIRST FARMBANK
Type	Bank

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount Recorded
Term	180 Months
Due	Dec 10, 2040

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	0000058452
Date	Dec 5, 2025
Instrument	20250058452

Lender

Name	USDA
Type	Government Agency
Address	BRIGHTON, CO 80601

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	479 Months
Due	Nov 26, 2065

Interest

Rate	3.75%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Aug 3, 2023
Property Address	128 CARPENTER RD, FORT COLLINS, CO 80525-4207
Document Number	0000033371
Instrument Date	Aug 1, 2023
Instrument	20230033371
Transaction Type	Transfer
Record Updated	Aug 10, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$72.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 CARPENTER RD, FORT COLLINS, CO 80525-4207

Mortgage

Document Number	0000033372
Date	Aug 3, 2023
Instrument	20230033372

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

March 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LARIMER CO
Recording Date	Mar 24, 2023
Property Address	128 CARPENTER RD, FORT COLLINS, CO 80525-4207
Document Number	0000011408
Instrument Date	Mar 22, 2023
Instrument	20230011408
Transaction Type	Transfer
Record Updated	Apr 7, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	226 MORADA BAY DR, NEWPORT, NC 28570-5218

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	226 MORADA BAY DR, NEWPORT, NC 28570-5218

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LARIMER CO
Recording Date	May 11, 2021
Property Address	128 CARPENTER RD, FORT COLLINS, CO 80525-4207
Document Number	0000046705
Instrument Date	May 4, 2021
Instrument	20210046705
Transaction Type	Transfer
Record Updated	May 19, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	226 MORADA BAY DR, 226, NEWPORT, NC 28570-5218

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	226 MORADA BAY DR, NEWPORT, NC 28570-5218

March 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LARIMER CO
Recording Date	Mar 9, 2020
Property Address	128 CARPENTER RD, FORT COLLINS, CO 80525-4207
Document Number	0000016307
Instrument Date	Feb 22, 2020
Instrument	20200016307
Transaction Type	Transfer
Record Updated	Mar 28, 2022
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	128 CARPENTER RD, FORT COLLINS, CO 80525-4207

Mortgage

Document Number	0000016308
Date	Mar 9, 2020
Instrument	20200016308

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

Tax Assessment & Valuation

Source: Larimer County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Larimer County
Unified School District	Thompson School District R-2J (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,717.00 (+25.09%)	$51,069 (+7.52%) Land $6,375 Building $44,694	$817,100 (+15.26%) Land $102,000 Building $715,100
2024	$3,771.00 (+31.21%)	$47,496 (+24.19%) Land $6,834 Building $40,662	$708,900 (+24.19%) Land $102,000 Building $606,900
2023	$2,874.00 (+15.1%)	$38,244 (+31.14%) Land $6,834 Building $31,410	$570,800 (+36.03%) Land $102,000 Building $468,800
2022	$2,497.00	$29,162 Land $7,089 Building $22,073	$419,600 Land $102,000 Building $317,600

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, effective September 30, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	1 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 45% of the US · lower than 72% of Colorado
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

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	FT COLLINS LOVELAND WD serves 63,532 people · EPA ID CO0135292
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2023
Lead	2 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 239 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	8,000 / 8,000
Xfinity Cable	2,000 / 250
Vistabeam Fixed Wireless	500 / 80
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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