331 Smith St, Fort Collins, CO 80524 Property Records

Larimer County property record for 331 Smith St, Fort Collins, CO 80524

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,844 sqft · built 1951
Lot Size	0.109 acres (4,750 sqft)
Owner	2 Individual Names on File
Last Sale	$196,500 (Jul 2002)
Tax Bill	$4,452 (2025)
Deeds & Mortgages	Jun 2022 Line of Credit Jan 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`97123-25-017`

Property Details

APN / Parcel Number

Primary APN	`97123-25-017`
Alternative APN	`R0045748`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,844 sqft Living Area
Interior Walls	Plaster

Exterior

Year Built	Built 1951
Effective Year Built	Effective 2014
Architectural Style	Bi-Level
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,750 sqft (0.109 acres)
View / Lot	Corner
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	R0045748
Street Address	331 SMITH ST
City	FORT COLLINS
State	CO
Zip	80524-2941
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NCM
Legal Description	E 1/2 OF S 1/2 OF LOT 1, BLK 163, FTC
Legal Range	69W
Legal Township	7N
Legal Section	12
Legal Subdivision	FTC BLK 163
Legal Block	163
Legal Lot Number	1
Jurisdiction	LARIMER CO
Township / Civil Division	FORT COLLINS
Census Block Group	2
Census Block	2028
Census Tract	100

Owner

331 Smith St is owned and occupied by two individuals who bought it in July 2002.

Source: Larimer County records, as of May 13, 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	2 Individual Names on File
Mailing Address	331 SMITH ST, FORT COLLINS, CO 80524-2941
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2022	Deed of Trust, Mortgage · Line of Credit FIRST TECHNOLOGY FEDERAL CU
Jan 10, 2019	Deed of Trust, Mortgage · Line of Credit FIRST TECHNOLOGY FEDERAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2002 · Amount on File
Deed Sale	Jul 2, 2002 · Amount on File
Prior Sale	Feb 10, 2000 · Amount on File
Deed Document Number	200270631
Prior Transfer Date	Feb 1, 1993
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	331 SMITH ST, FORT COLLINS, CO 80524-2941
Transaction Type	Mortgage
Record Updated	Jun 14, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 SMITH ST, FORT COLLINS, CO 80524-2941

Mortgage

Document Number	0000036419
Date	Jun 8, 2022
Instrument	20220036419

Lender

Name	FIRST TECHNOLOGY FEDERAL CU
Type	Credit Union
Address	HILLSBORO, OR 97124

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	May 25, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	331 SMITH ST, FORT COLLINS, CO 80524-2941
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001513
Date	Jan 10, 2019
Instrument	20190001513

Lender

Name	FIRST TECHNOLOGY FEDERAL CU
Type	Credit Union
Address	HILLSBORO, OR 97124

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 331 Smith St was $4,452, up 4.1% from the year before.

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

Property Jurisdictions

Type	Name
State	Colorado
County	Larimer County
Municipality	Fort Collins City
Unified School District	Poudre School District R-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,452.00 (+4.14%)	$44,676 Land $3,813 Building $40,863	$714,800 Land $61,000 Building $653,800
2024	$4,275.00 (+5.11%)
2023	$4,067.00 (+9.83%)	$48,240 (+23%) Land $4,087 Building $44,153	$720,000 (+27.59%) Land $61,000 Building $659,000
2022	$3,703.00	$39,219 Land $4,240 Building $34,979	$564,300 Land $61,000 Building $503,300

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 331 Smith St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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	2 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2018

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 331 Smith St is low, with less than 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 99.8% of the US · lower than 99.9% of Colorado
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 COLLINS serves 179,901 people · EPA ID CO0135291
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Dec 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	6 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 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fort Collins Connexion Fiber	10,000 / 10,000
Xfinity Cable	2,000 / 250
Vistabeam Fixed Wireless	500 / 80
Verizon Fixed Wireless	300 / 20
Rise Broadband Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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