314 Lobach Ave, Florence, CO 81226 Property Records

Fremont County property record for 314 Lobach Ave, Florence, CO 81226

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,532 sqft · built 1951
Lot Size	0.215 acres (9,372 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,849 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Oct 2022 Sale + 2 more
Flood Zone	Zone AO (high risk)
APN	`R037053`

Property Details

APN / Parcel Number

Primary APN	`R037053`
Alternative APN	`99920489`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,532 sqft Living Area
1st Floor Area	1,532 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,372 sqft (0.215 acres)
Garage Type	Carport
Garage Area	108 sqft
Carport	Carport
Carport Area	108 sqft

Exterior Amenities

Porch	Slab
Porch Area	30 sqft
Patio Area	96 sqft
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Evaporative
Heating System	Forced Air with A/C

Location & Zoning

Account Number	R037053
Street Address	314 LOBACH AVE
City	FLORENCE
State	CO
Zip	81226-9430
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT A JP & ML SUDO ILLV REF FROM 991-04-292
Legal Subdivision	SUDO LLV
Legal Block	A
Legal Lot Number	A
Jurisdiction	FREMONT CO
Township / Civil Division	FLORENCE
Census Block Group	2
Census Block	2006
Census Tract	978200

Owner

314 Lobach Ave is owned and occupied by two individuals who acquired it in April 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	314 LOBACH AVE, FLORENCE, CO 81226-9430
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 22, 2022	Special Warranty Deed, Transfer · FHA Mortgage THE MORTGAGE CO
Oct 17, 2022	Re-recorded Document FIDELITY NATIONAL TITLE
Jan 23, 2018	Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC
Jul 9, 2018	Warranty Deed, Transfer · Conventional Mortgage BLACK HILLS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 23, 2025
Transfer Doc	0001045305
Record Updated	Sep 20, 2026

September 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	FREMONT CO
Recording Date	Sep 22, 2022
Property Address	314 LOBACH AVE, FLORENCE, CO 81226-9430
Document Number	0001019788
Instrument Date	Aug 24, 2022
Instrument	1019788
Transaction Type	Transfer
Record Updated	Oct 19, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$33.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 LOBACH AVE, FLORENCE, CO 81226-9430

Mortgage

Document Number	0001019789
Date	Sep 22, 2022
Instrument	1019789

Lender

Name	THE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2052

October 2022: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	FREMONT CO
Recording Date	Oct 17, 2022
Property Address	314 LOBACH AVE, FLORENCE, CO 81226-9430
Document Number	0001021089
Instrument Date	Aug 24, 2022
Instrument	1021089
Record Updated	Nov 4, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	314 LOBACH AVE, FLORENCE, CO 81226-9430

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREMONT CO
Property Address	314 LOBACH AVE, FLORENCE, CO 81226-9430
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000958247
Date	Jan 23, 2018
Instrument	958247

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREMONT CO
Recording Date	Jul 9, 2018
Property Address	314 LOBACH AVE, FLORENCE, CO 81226-9430
Document Number	0000963448
Instrument Date	Jul 6, 2018
Instrument	963448
Transaction Type	Transfer
Record Updated	Mar 31, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$16.77
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	314 LOBACH AVE, FLORENCE, CO 81226-9430

Mortgage

Document Number	0000963449
Date	Jul 9, 2018
Instrument	963449

Lender

Name	BLACK HILLS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 314 Lobach Ave was $1,849, 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
Unified School District	Fremont RE-2 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,849.00 (+13.51%)	$19,332 (-5.86%)	$309,310
2024	$1,629.00 (+13.05%)	$20,536 (+21.88%)
2023	$1,441.00 (+59.76%)	$16,850 (+14.82%)	$306,503 (+45.16%)
2022	$902.00	$14,675	$211,149

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 314 Lobach Ave in Zone AO, 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 AO high risk · sheet flow 1–3 ft
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 314 Lobach Ave is moderate, ranking above 51% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · lower than 65% 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	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 190 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
SECOM Fixed Wireless	100 / 25
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon, Visionary Broadband.

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