Larimer County property record for 402 E Oak St, Fort Collins, CO 80524
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 4,436 sqft · built 1909 |
| Lot Size | 0.127 acres (5,520 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $129,000 (May 1992) |
| Tax Bill | $6,030 (2025) |
| Deeds & Mortgages | Nov 2025 Transfer Feb 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 97123-15-008 |
| Primary APN | 97123-15-008 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 4,436 sqft Living Area |
| Basement Area | 1,320 sqft |
| Finished Basement | 1,320 sqft |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1909 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Multi-Level |
| Exterior Material | Brick/Stone |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,520 sqft (0.127 acres) |
| Garage Type | Carport |
| Garage Area | 324 sqft |
| Carport | Carport |
| Carport Area | 324 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Slab |
|---|---|
| Porch Area | 1,130 sqft |
| Patio Area | 360 sqft |
| Balcony Area | 360 sqft |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | R0044253 |
|---|---|
| Street Address | 402 E OAK ST |
| City | FORT COLLINS |
| State | CO |
| Zip | 80524-2950 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | NCB |
| Legal Description | W 46 FT OF S 120 FT OF LOT 9, BLK 151, FTC |
| Legal Range | 69W |
| Legal Township | 7N |
| Legal Section | 12 |
| Legal Subdivision | FTC BLK 151 |
| Legal Block | 151 |
| Legal Lot Number | 9 |
| Jurisdiction | LARIMER CO |
| Township / Civil Division | FORT COLLINS |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 100 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Laurel School Historic District listed 1980 · 549 contributing resources · NRIS 80000909 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
402 E Oak St is owned and occupied by two individuals who acquired it in November 2025.
Source: Larimer County records, as of February 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 402 E OAK ST, FORT COLLINS, CO 80524-2950 |
| 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.
| Date | Document |
|---|---|
| Nov 14, 2025 | Intrafamily Transfer, Transfer |
| Feb 29, 2024 | Deed of Trust, Mortgage · Line of Credit FIRST TECHNOLOGY FEDERAL CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 1992 · Amount on File |
| Deed Sale | May 1, 1992 · Amount on File |
| Last Transfer Date | Nov 14, 2025 |
| Transfer Doc | 0000053646 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LARIMER CO |
| Recording Date | Nov 14, 2025 |
| Property Address | 402 E OAK ST, FORT COLLINS, CO 80524-2950 |
| Document Number | 0000053646 |
| Instrument Date | Nov 14, 2025 |
| Instrument | 20250053646 |
| Transaction Type | Transfer |
| Record Updated | Nov 26, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 402 E OAK ST, FORT COLLINS, CO 80524-2950 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LARIMER CO |
| Property Address | 402 E OAK ST, FORT COLLINS, CO 80524-2950 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2024 |
| Title Company | WFG LENDER SERVICES, WFG LENDER SER |
| Name | Verified Name |
|---|---|
| Address | 402 E OAK ST, FORT COLLINS, CO 80524-2950 |
| Document Number | 0000007464 |
|---|---|
| Date | Feb 29, 2024 |
| Instrument | 20240007464 |
| Name | FIRST TECHNOLOGY FEDERAL CU |
|---|---|
| Type | Credit Union |
| Address | HILLSBORO, OR 97124 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 402 E Oak St was $6,030, up 2.9% from the year before.
Source: Larimer County assessment roll, as of February 9, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Larimer County |
| Municipality | Fort Collins City |
| Unified School District | Poudre School District R-1 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,030.00 (+2.88%) | $57,663 (-6.69%) Land $3,813 Building $53,850 | $922,600 (+0.03%) Land $61,000 Building $861,600 |
| 2024 | $5,861.00 (+4.83%) | $61,794 (-) Land $4,087 Building $57,707 | $922,300 (-) Land $61,000 Building $861,300 |
| 2023 | $5,591.00 (+36.33%) | $61,794 (+49.68%) Land $4,087 Building $57,707 | $922,300 (+55.27%) Land $61,000 Building $861,300 |
| 2022 | $4,101.00 | $41,284 Land $4,240 Building $37,044 | $594,000 Land $61,000 Building $533,000 |
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.
FEMA maps place 402 E Oak 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.
The area around 402 E Oak St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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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