128 W 5th St, Florence, CO 81226 Property Records

Fremont County property record for 128 W 5th St, Florence, CO 81226

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,634 sqft · built 1898
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on File
Tax Bill	$1,582 (2025)
Deeds & Mortgages	Jan 2019 Sale & Mortgage Feb 2017 Transfer
Flood Zone	Zone AE (high risk)
APN	`R020996`

Property Details

APN / Parcel Number

Primary APN	`R020996`
Alternative APN	`61005990`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,634 sqft Living Area
1st Floor Area	1,634 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,000 sqft (0.161 acres)
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	154 sqft
Deck Area	Deck Area
Patio Area	20 sqft
Shed	1 Shed
Shed Area	1 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	R020996
Street Address	128 W 5TH ST
City	FLORENCE
State	CO
Zip	81226-1125
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 13 & 14 BLK 5 JAMES A MC CANDLESS ADD
Legal Subdivision	JAMES A MC CANDLESS ADD
Legal Block	5
Legal Lot Number	13,14
Jurisdiction	FREMONT CO
Township / Civil Division	FLORENCE
Census Block Group	2
Census Block	2046
Census Tract	978200

Owner

128 W 5th St is owned and occupied by an individual who acquired it in February 2017.

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	128 W 5TH ST, FLORENCE, CO 81226-1125
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2019	Warranty Deed, Transfer · FHA Mortgage THE MORTGAGE CO
Feb 27, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 17, 2017
Transfer Doc	0000947868
Record Updated	Sep 20, 2026

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREMONT CO
Recording Date	Jan 17, 2019
Property Address	128 W 5TH ST, FLORENCE, CO 81226-1125
Document Number	0000969934
Instrument Date	Jan 17, 2019
Instrument	969934
Transaction Type	Transfer
Record Updated	Mar 31, 2022
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$19.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 W 5TH ST, FLORENCE, CO 81226-1125

Mortgage

Document Number	0000969935
Date	Jan 17, 2019
Instrument	969935

Lender

Name	THE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

Mortgage

Document Number	0000969936
Date	Jan 17, 2019
Instrument	969936

Lender

Name	COLORADO HOUSING & FINANCE AUTHORITY
Type	Government Agency
Address	DENVER, CO 80202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FREMONT CO
Recording Date	Feb 27, 2017
Property Address	128 W 5TH ST, FLORENCE, CO 81226-1125
Document Number	0000947868
Instrument Date	Feb 17, 2017
Instrument	947868
Transaction Type	Transfer
Record Updated	Mar 17, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	128 W 5TH ST

Tax Assessment & Valuation

The 2025 property tax bill for 128 W 5th St was $1,582, up 13.5% 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	$1,582.00 (+13.49%)	$19,948 (-5.83%)	$319,175
2024	$1,394.00 (+1.6%)	$21,182 (+21.06%)
2023	$1,372.00 (+11.82%)	$17,497 (+12.76%)	$316,143 (+41.59%)
2022	$1,227.00	$15,517	$223,274

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 128 W 5th 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 128 W 5th 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.

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