305 Main St, Fort Morgan, CO 80701 Property Records

Morgan County property record for 305 Main St, Fort Morgan, CO 80701

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	9,000 sqft · built 1898
Lot Size	0.115 acres (5,000 sqft)
Owner	Company Name on Record
Last Sale	$250,000 (Oct 2022)
Tax Bill	$5,863 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Mar 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1229-063-18-009`

Property Details

APN / Parcel Number

Primary APN	`1229-063-18-009`
Alternative APN	`R005375`

Interior

Total Rooms	1 Room
Building Area	9,000 sqft Total Area
Basement Area	480 sqft
Unfinished Basement	480 sqft
Flooring	Wood

Exterior

Year Built	Built 1898
Effective Year Built	Effective 1989
Exterior Material	Block
Roof Type	Wood Truss
Roof Material	Rolled Roofing
Lot Area	5,000 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Porch	Slab
Porch Area	117 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Street Address	305 MAIN ST
City	FORT MORGAN
State	CO
Zip	80701-2108
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	SUBD FORT MORGAN ORIGINAL TOWN FM BLOCK 16 LOT 13 AND- LOT 14
Legal Subdivision	FORT MORGAN ORIGINAL TOWN
Legal Block	16
Legal Lot Number	14
Jurisdiction	MORGAN CO
Township / Civil Division	FORT MORGAN
Census Block Group	2
Census Block	2020
Census Tract	500

Owner

Source: Morgan County records, as of June 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	4772 COUNTY ROAD L, WIGGINS, CO 80654-8104
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 18, 2026	Deed of Trust, Mortgage · Line of Credit GOLDEN BELT BANK FSA
Mar 22, 2024	Deed of Trust, Mortgage · Line of Credit GOLDEN BELT BANK FSA
Oct 31, 2022	Warranty Deed, Transfer · Line of Credit GOLDEN BELT BANK FSA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2022 · Amount on Record
Deed Sale	Oct 31, 2022 · Amount on Record
Deed Document Number	2022943480
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN CO
Recording Date	Jun 18, 2026
Property Address	305 MAIN ST, FORT MORGAN, CO 80701-2108
Document Number	0000962755
Instrument Date	Jun 17, 2026
Instrument	2026962755
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NORTHERN COAST TITLE, NORTHERN COLORADO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	231 MEEKER ST, FORT MORGAN, CO 80701-2372

Mortgage

Document Number	0000962755,
Date	Jun 18, 2026
Instrument	2026962755

Lender

Name	GOLDEN BELT BANK FSA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2041

Interest

Rate	5.85%
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN CO
Property Address	305 MAIN ST, FORT MORGAN, CO 80701-2108
Transaction Type	Mortgage
Record Updated	Apr 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000950517
Date	Mar 22, 2024
Instrument	950517

Lender

Name	GOLDEN BELT BANK FSA
Type	Bank
Address	FORT MORGAN, CO 80701

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2034

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN CO
Recording Date	Oct 31, 2022
Property Address	305 MAIN ST, FORT MORGAN, CO 80701-2108
Document Number	0000943480
Instrument Date	Oct 28, 2022
Instrument	943480
Transaction Type	Transfer
Record Updated	Nov 9, 2022
Title Company	EQUITY TITLE OF NEVADA, EQUITY TITLE OF COLORADO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$25.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4772 COUNTY ROAD L, WIGGINS, CO 80654-8104

Mortgage

Document Number	0000943481
Date	Oct 31, 2022
Instrument	943481

Lender

Name	GOLDEN BELT BANK FSA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2042

Tax Assessment & Valuation

Source: Morgan County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Morgan County
Municipality	Fort Morgan City
Unified School District	Fort Morgan School District RE-3 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,863.00 (+59.84%)	$73,630 (+60.69%) Land $9,450 Building $64,180	$272,720 (+66.08%) Land $35,000 Building $237,720
2024	$3,668.00 (-1.37%)	$45,820 (-15.45%) Land $9,770 Building $36,050	$164,210 (-15.45%) Land $35,000 Building $129,210
2023	$3,719.00 (-4.62%)	$54,190 (+13.92%) Land $9,770 Building $44,420	$194,210 (+18.4%) Land $35,000 Building $159,210
2022	$3,899.00	$47,570 Land $10,150 Building $37,420	$164,030 Land $35,000 Building $129,030

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

Source: FEMA National Flood Hazard Layer, effective June 8, 2023 · 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 Claims	1 (1990)
Most Recent Claim	Jul 1990 · rainfall accumulation

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	Not rated no burnable land 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 FT MORGAN serves 12,000 people · EPA ID CO0144005
Water Source	Surface water
Last State Inspection	Apr 2026
Lead	3 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	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 497 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Allo Communications Fiber	2,300 / 2,300
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, Viaero Wireless.

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