2043 Arroyo Ct, Windsor, CO 80550 Property Records

Larimer County property record for 2043 Arroyo Ct, Windsor, CO 80550

Property Summary

Property Type	Single Family Home
Details	3 bd · 4.5 ba · 3,838 sqft · built 2004
Lot Size	0.484 acres (21,075 sqft)
Owner	2 Company Names on File
Last Sale	$1,350,000 (Jul 2023)
Tax Bill	$8,560 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jun 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`86251-05-020`

Property Details

APN / Parcel Number

Primary APN	`86251-05-020`
Alternative APN	`R1616631`

Interior

Bedrooms	3 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,838 sqft Living Area
Gross Area	5,168 sqft
1st Floor Area	2,972 sqft
Basement Area	1,244 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Frame
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	21,075 sqft (0.484 acres)
View / Lot	Greenbelt/Park
Garage Type	Attached
Garage Area	952 sqft
Parking Spaces	4 Parking Spaces
Pool Area	118 sqft
Porch	Slab
Porch Area	1,155 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R1616631
Street Address	2043 ARROYO CT
City	WINDSOR
State	CO
Zip	80550-4687
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 20, BISON RIDGE SUBDIVISION, WIN (2002032081)
Legal Range	68W
Legal Township	6N
Legal Section	25
Legal Subdivision	BISON RIDGE SUBDIVISION
Legal Lot Number	20
Jurisdiction	LARIMER CO
Township / Civil Division	LOVELAND
Census Block Group	3
Census Block	3008
Census Tract	1714

Owner

2043 Arroyo Ct is owned by a company that bought it in July 2023.

Source: Larimer County records, as of October 13, 2026

Owner of Record	2 Company Names on File
Mailing Address	2043 ARROYO CT, WINDSOR, CO 80550-4687
Owner Type	Company
Vesting	Life Tenant

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
Jul 20, 2023	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Jun 2, 2023	Deed of Trust, Mortgage · Closed-End Mortgage POINTS WEST COMMUNITY BANK
Sep 25, 2017	Warranty Deed, Transfer · Closed-End Mortgage POINTS WEST COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2023 · Amount on File
Deed Sale	Jul 20, 2023 · Amount on File
Prior Sale	Sep 25, 2017 · Amount on File
Deed Document Number	202330752
Prior Transfer Date	May 3, 2013
Prior Transfer Doc	0000044217
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Jul 20, 2023
Property Address	2043 ARROYO CT, WINDSOR, CO 80550-4687
Document Number	0000030752
Instrument Date	Jul 18, 2023
Instrument	20230030752
Transaction Type	Transfer
Record Updated	Aug 1, 2023
Title Company	HERITAGE TITLE COMPANY, HERITAGE TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$135.00
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	2043 ARROYO CT, WINDSOR, CO 80550-4687

Mortgage

Document Number	0000030753
Date	Jul 20, 2023
Instrument	20230030753

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	2043 ARROYO CT, WINDSOR, CO 80550-4687
Transaction Type	Mortgage
Record Updated	Jun 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2043 ARROYO CT, WINDSOR, CO 80550-4687

Mortgage

Document Number	0000022724
Date	Jun 2, 2023
Instrument	20230022724

Lender

Name	POINTS WEST COMMUNITY BANK
Type	Bank
Address	FORT COLLINS, CO 80525

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	10 Months
Due	Apr 1, 2024

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Sep 25, 2017
Property Address	2043 ARROYO CT, WINDSOR, CO 80550-4687
Document Number	0000064060
Instrument Date	Sep 13, 2017
Instrument	20170064060
Transaction Type	Transfer
Record Updated	Oct 11, 2022
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$77.50
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
Relationship	Joint Tenants
Address	2043 ARROYO CT, WINDSOR, CO 80550-4687

Mortgage

Document Number	0000064061
Date	Sep 25, 2017
Instrument	20170064061

Lender

Name	POINTS WEST COMMUNITY BANK
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount on Record
Term	9 Months
Due	Jun 18, 2018

Tax Assessment & Valuation

The 2025 property tax bill for 2043 Arroyo Ct was $8,560, up 5.5% from the year before.

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

Property Jurisdictions

Type	Name
State	Colorado
County	Larimer County
Municipality	Windsor Town
Unified School District	Poudre School District R-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,560.00 (+5.52%)	$76,894 Land $19,375 Building $57,519	$1,230,300 Land $310,000 Building $920,300
2024	$8,112.00 (+4.58%)
2023	$7,757.00 (+36.45%)	$79,228 (+47.85%) Land $20,770 Building $58,458	$1,182,500 (+53.37%) Land $310,000 Building $872,500
2022	$5,685.00	$53,585 Land $14,616 Building $38,969	$771,000 Land $210,300 Building $560,700

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 2043 Arroyo Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 28, 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
Nearby Flood Policies	3 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

Wildfire risk around 2043 Arroyo Ct is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 98.4% of Colorado
Wildfire Likelihood	0.01% 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	TOWN OF WINDSOR serves 23,500 people · EPA ID CO0162843
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2022
Lead	6 ppb (2023–2025) 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 174 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Vistabeam Fixed Wireless	500 / 80
Verizon Fixed Wireless	300 / 20
Rise Broadband Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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