Fremont County property record for 405 Locke Mountain Rd, Florence, CO 81226
| Property Type | Pasture |
|---|---|
| Details | 2 bd · 1.5 ba · 2,306 sqft · built 2003 |
| Lot Size | 35.2 acres (1,533,312 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,483 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Mar 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R033642 |
| Primary APN | R033642 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,306 sqft Gross Area |
| 1st Floor Area | 2,306 sqft |
| Upper Floors Area | 384 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 1,533,312 sqft (35.2 acres) |
| Garage Area | 1,320 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Slab |
| Shed | 1 Shed |
| Shed Area | 200 sqft |
| Heating System | Floor/Wall Furnace |
|---|
| Account Number | R033642 |
|---|---|
| Street Address | 405 LOCKE MOUNTAIN RD |
| City | FLORENCE |
| State | CO |
| Zip | 81226-8914 |
| Property Category | Agriculture or Farming |
| Property Type | Agriculture / Farming > Pasture |
| Legal Description | LOT 9 LOCKE MOUNTAIN RANCH FIL #1 REF FROM 994-04-129 |
| Legal Subdivision | LOCKE MOUNTAIN |
| Legal Lot Number | 9 |
| Jurisdiction | FREMONT CO |
| Township / Civil Division | FLORENCE |
| Census Block Group | 1 |
| Census Block | 1115 |
| Census Tract | 979400 |
Source: Fremont County records, as of August 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 405 LOCKE MOUNTAIN RD, FLORENCE, CO 81226-8914 |
| Owner Type | Individual |
| Vesting | Tenants in Common |
| Date | Document |
|---|---|
| Sep 30, 2025 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Mar 1, 2021 | Deed of Trust, Mortgage · VA Mortgage PLANET HOME LENDING LLC |
| Oct 1, 2019 | Deed of Trust, Mortgage · VA Mortgage PLANET HM LNDG |
| Dec 21, 2017 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE SOLUTIONS/CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREMONT CO |
| Property Address | 405 LOCKE MOUNTAIN RD, FLORENCE, CO 81226-8914 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2025 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 405 LOCKE MOUNTAIN RD, FLORENCE, CO 81226-8914 |
| Document Number | 0001049429 |
|---|---|
| Date | Sep 30, 2025 |
| Instrument | 1049429 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Oct 1, 2065 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREMONT CO |
| Property Address | 405 LOCKE MOUNTAIN RD, FLORENCE, CO 81226-8914 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000997429 |
|---|---|
| Date | Mar 1, 2021 |
| Instrument | 997429 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MERIDEN, CT 06450 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Mar 1, 2046 |
| Adjustable | Adjustable Rate Rider |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREMONT CO |
| Property Address | 405 LOCKE MOUNTAIN RD, FLORENCE, CO 81226-8914 |
| Document Number | 0000978759 |
| Instrument Date | Oct 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 28, 2019 |
| Title Company | MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 405 LOCKE MOUNTAIN RD FLORENCE CO 812268914, FLORENCE, CO 81226-8914 |
| Document Number | 0000978759 |
|---|---|
| Date | Oct 14, 2019 |
| Instrument | 978759 |
| Name | PLANET HM LNDG |
|---|---|
| Address | MERIDEN, CT 06450 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 13, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREMONT CO |
| Property Address | 405 LOCKE MOUNTAIN RD, FLORENCE, CO 81226-8914 |
| Document Number | 0000957562 |
| Instrument Date | Dec 21, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2018 |
| Title Company | CAPSTONE TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 405 LOCKE MOUNTAIN RD FLORENCE CO 812268914, FLORENCE, CO 81226-8914 |
| Document Number | 0000957562 |
|---|---|
| Date | Dec 28, 2017 |
| Instrument | 957562 |
| Name | MORTGAGE SOLUTIONS/CO |
|---|---|
| Type | Mortgage Company |
| Address | COLORADO SPRINGS, CO 80918 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 27, 2047 |
Source: Fremont County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Fremont County |
| Unified School District | Fremont RE-2 (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,483.00 (+17.89%) | $23,707 (-2.05%) | $376,517 (+4.99%) |
| 2024 | $1,258.00 (+2.19%) | $24,203 (+17.96%) | |
| 2023 | $1,231.00 (+28.36%) | $20,518 (+29.62%) | $358,627 (+59.18%) |
| 2022 | $959.00 | $15,829 | $225,303 |
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.
Source: FEMA National Flood Hazard Layer, effective October 23, 2022 · 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 9 (5% premium discount) |
| Nearby Flood Policies | 1 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 86% of the US · above 90% of Colorado |
|---|---|
| Wildfire Likelihood | 0.6% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Visionary Broadband Fixed Wireless | 100 / 20 |
| SECOM Fixed Wireless | 10 / 1 |
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