400 Smith St, Fort Collins, CO 80524 Property Records

Larimer County property record for 400 Smith St, Fort Collins, CO 80524

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,804 sqft · built 1950
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$365,000 (Sep 2019)
Tax Bill	$3,251 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`97123-42-019`

Property Details

APN / Parcel Number

Primary APN	`97123-42-019`
Alternative APN	`R0047724`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,804 sqft Living Area
Basement Area	1,234 sqft
Finished Basement	593 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Attached
Garage Area	570 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	20 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	R0047724
Old Parcel Number	9712342019
Street Address	400 SMITH ST
City	FORT COLLINS
State	CO
Zip	80524-2938
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 19, RESUB OF BLK 174, FTC
Legal Range	69
Legal Township	07
Legal Section	12
Legal Quarter	SW
Legal Subdivision	FTC BLK 174
Legal Block	174
Legal Lot Number	19
Jurisdiction	LARIMER CO
Township / Civil Division	FORT COLLINS
Census Block Group	2
Census Block	2026
Census Tract	100

Owner

Source: Larimer County records, as of February 2, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	400 SMITH ST, FORT COLLINS, CO 80524-2938
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Sep 30, 2019	Special Warranty Deed, Transfer · Conventional Mortgage HOME MORTGAGE ALLIANCE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2019 · Amount on Record
Deed Sale	Sep 30, 2019 · Amount on Record
Prior Sale	Aug 20, 1997 · Amount on Record
Deed Document Number	20190059271
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	400 SMITH ST, FORT COLLINS, CO 80524-2938
Transaction Type	Mortgage
Record Updated	Mar 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018377
Date	Mar 22, 2022
Instrument	20220018377

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2042

September 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Sep 30, 2019
Property Address	400 SMITH ST, FORT COLLINS, CO 80524-2938
Document Number	0000059271
Instrument Date	Sep 27, 2019
Instrument	20190059271
Transaction Type	Transfer
Record Updated	Mar 28, 2022
Title Company	HERITAGE TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$36.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	400 SMITH ST, FORT COLLINS, CO 80524-2938

Mortgage

Document Number	0000059272
Date	Sep 30, 2019
Instrument	20190059272

Lender

Name	HOME MORTGAGE ALLIANCE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

Source: Larimer County assessment roll, as of August 25, 2025

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	$3,251.00 (-15.23%)	$32,625 (-28.61%) Land $3,125 Building $29,500	$522,000 (-23.47%) Land $50,000 Building $472,000
2023	$3,835.00 (+16.32%)	$45,701 (+30.88%) Land $3,350 Building $42,351	$682,100 (+35.77%) Land $50,000 Building $632,100
2022	$3,297.00	$34,917 Land $3,475 Building $31,442	$502,400 Land $50,000 Building $452,400

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 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 99.2% 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 577 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
Rise Broadband Fixed Wireless	100 / 20

May also be available: CenturyLink, T-Mobile, Verizon.

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