404 E Oak St, Fort Collins, CO 80524 Property Records

Larimer County property record for 404 E Oak St, Fort Collins, CO 80524

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,905 sqft · built 1920
Lot Size	0.236 acres (10,260 sqft)
Owner	Individual Name on File
Last Sale	$297,000 (May 2010)
Tax Bill	$5,467 (2025)
Deeds & Mortgages	Jun 2026 Mortgage May 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`97123-15-010`

Property Details

APN / Parcel Number

Primary APN	`97123-15-010`
Alternative APN	`R0044261`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Units	4 Units
Stories	1 Story
Building Area	1,905 sqft Living Area
1st Floor Area	1,080 sqft
Basement Area	825 sqft
Finished Basement	825 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2005
Architectural Style	Duplex Single
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,260 sqft (0.236 acres)
Garage Type	Detached
Garage Area	266 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	1,200 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	R0044261
Street Address	404 E OAK ST
City	FORT COLLINS
State	CO
Zip	80524-2972
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	NCB
Legal Description	E 4 FT OF LOT 9 & ALL OF LOT 10, BLK 151, FTC
Legal Range	69W
Legal Township	7N
Legal Section	12
Legal Subdivision	FTC BLK 151
Legal Block	151
Legal Lot Number	9,10
Jurisdiction	LARIMER CO
Township / Civil Division	FORT COLLINS
Census Block Group	2
Census Block	2031
Census Tract	100

Historic Designation

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.

Owner

404 E Oak St, a duplex, is owned and occupied by an individual who bought it in May 2010.

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

Owner of Record	Individual Name on File
Mailing Address	404 E OAK ST, FORT COLLINS, CO 80524-2972
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage CAL PACIFIC FUNDING CORPORATION
May 9, 2024	Deed of Trust, Mortgage · Line of Credit BARBARA SHERIDAN
Nov 10, 2021	Deed of Trust, Mortgage · Commercial Mortgage CELTIC BANK CORPORATION
Feb 20, 2020	Deed of Trust, Mortgage · Line of Credit ZB NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2010 · Amount on File
Deed Sale	May 26, 2010 · Amount on File
Prior Sale	Oct 4, 2005 · Amount on File
Deed Document Number	201029435
Prior Transfer Date	Nov 26, 1997
Prior Transfer Doc	0000079355
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Recording Date	Jun 17, 2026
Property Address	404 E OAK ST, FORT COLLINS, CO 80524-2972
Document Number	0000029362
Instrument Date	Jun 11, 2026
Instrument	202629362
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7112 S NEWPORT CT, CENTENNIAL, CO 80112-1130

Mortgage

Document Number	0000029362,
Date	Jun 17, 2026
Instrument	202629362

Lender

Name	CAL PACIFIC FUNDING CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	404 E OAK ST, FORT COLLINS, CO 80524-2972
Transaction Type	Mortgage
Record Updated	May 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5704 S LOGAN ST D, D, LITTLETON, CO 80121-1160

Mortgage

Document Number	0000018313
Date	May 9, 2024
Instrument	20240018313

Lender

Name	BARBARA SHERIDAN
Type	Private Party
Address	1997 PASEO DORADO, LA JOLLA, CA 92037

Agreement

Type	Line of Credit
Amount	Amount on Record

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	404 E OAK ST, FORT COLLINS, CO 80524-2972
Transaction Type	Mortgage
Record Updated	Nov 17, 2021
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000103508
Date	Nov 10, 2021
Instrument	20210103508

Lender

Name	CELTIC BANK CORPORATION
Type	Bank
Address	SALT LAKE CITY, UT 84111

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	312 Months
Due	Nov 8, 2047

Interest

Rate Type	Adjustable Rate

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	404 E OAK ST, FORT COLLINS, CO 80524-2972
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011567
Date	Feb 20, 2020
Instrument	20200011567

Lender

Name	ZB NA
Type	Bank
Address	LONE TREE, CO 80124

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jan 3, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 404 E Oak St was $5,467.

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	$5,467.00	$52,282 Land $3,813 Building $48,469	$836,500 Land $61,000 Building $775,500
2023	$5,182.00 (+17.24%)	$57,546 (+29.34%) Land $4,087 Building $53,459	$858,900 (+31.27%) Land $61,000 Building $797,900
2022	$4,420.00	$44,492 Land $4,148 Building $40,344	$654,300 Land $61,000 Building $593,300

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 404 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.

Wildfire

The area around 404 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.

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.

Nearby Properties on E Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures