405 Smith St, Fort Collins, CO 80524 Property Records

Larimer County property record for 405 Smith St, Fort Collins, CO 80524

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,850 sqft · built 1908
Lot Size	0.188 acres (8,166 sqft)
Owner	2 Individual Names on File
Last Sale	$700,000 (May 2018)
Tax Bill	$5,315 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Feb 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`97123-34-006`

Property Details

APN / Parcel Number

Primary APN	`97123-34-006`
Alternative APNs	`97123-71-001` `R1684074` `R0047163`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,850 sqft Living Area
Basement Area	950 sqft
Finished Basement	950 sqft
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 1908
Effective Year Built	Effective 2003
Architectural Style	Bi-Level
Exterior Material	Frame Siding
Construction Type	Frame
Foundation Type	Stone
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	8,166 sqft (0.188 acres)
Garage Type	Detached
Garage Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	649 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	R1684074
Street Address	405 SMITH ST
City	FORT COLLINS
State	CO
Zip	80524-2939
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NCM
Legal Description	LOT 1, MAGNOLIA AND SMITH SUB, FTC (20240019734)
Legal Range	69W
Legal Township	7N
Legal Section	12
Legal Subdivision	MAGNOLIA AND SMITH SUB (20240019734)
Legal Block	164
Legal Lot Number	1
Jurisdiction	LARIMER CO
Township / Civil Division	FORT COLLINS
Census Block Group	2
Census Block	2060
Census Tract	100

Owner

405 Smith St is owned and occupied by two individuals who acquired it in February 2023.

Source: Larimer County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	405 SMITH ST, FORT COLLINS, CO 80524-2939
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
Feb 16, 2023	Deed of Trust, Mortgage · Line of Credit COLORADO CU
Feb 14, 2023	Intrafamily Transfer, Transfer HERITAGE TITLE COMPANY
Feb 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC
Oct 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC
Jul 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC
May 22, 2018	Warranty Deed, Transfer · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2018 · Amount on File
Deed Sale	May 22, 2018 · Amount on File
Prior Sale	Apr 13, 2012 · Amount on File
Deed Document Number	201830386
Last Transfer Date	Feb 7, 2023
Transfer Doc	0000006004
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	405 SMITH ST, FORT COLLINS, CO 80524-2939
Transaction Type	Mortgage
Record Updated	Feb 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 SMITH ST, FORT COLLINS, CO 80524-2939

Mortgage

Document Number	0000006288
Date	Feb 16, 2023
Instrument	20230006288

Lender

Name	COLORADO CU
Type	Credit Union
Address	LITTLETON, CO 80127

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Feb 15, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LARIMER CO
Recording Date	Feb 14, 2023
Property Address	405 SMITH ST, FORT COLLINS, CO 80524-2939
Document Number	0000006004
Instrument Date	Feb 7, 2023
Instrument	20230006004
Transaction Type	Transfer
Record Updated	Feb 21, 2023
Title Company	HERITAGE TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	405 SMITH ST, FORT COLLINS, CO 80524-2939

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	405 SMITH ST, FORT COLLINS, CO 80524-2939
Transaction Type	Mortgage
Record Updated	Feb 25, 2021
Title Company	FITCO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017334
Date	Feb 18, 2021
Instrument	20210017334

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	405 SMITH ST, FORT COLLINS, CO 80524-2939
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060121
Date	Oct 2, 2019
Instrument	20190060121

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	405 SMITH ST, FORT COLLINS, CO 80524-2939
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST INTERNATIONAL TTL INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048303
Date	Jul 2, 2020
Instrument	20200048303

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	May 22, 2018
Property Address	405 SMITH ST, FORT COLLINS, CO 80524-2939
Document Number	0000030386
Instrument Date	May 15, 2018
Instrument	20180030386
Transaction Type	Transfer
Record Updated	Mar 28, 2022
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$70.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 SMITH ST, FORT COLLINS, CO 80524-2939

Mortgage

Document Number	0000030387
Date	May 22, 2018
Instrument	20180030387

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Mortgage

Document Number	0000030388
Date	May 22, 2018
Instrument	20180030388

Lender

Name	RED ROCKS CU
Type	Credit Union
Address	LITTLETON, CO 80120

Agreement

Amount	Amount on Record
Term	241 Months
Due	Jun 15, 2038

Tax Assessment & Valuation

The 2025 property tax bill for 405 Smith St was $5,315.

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	$5,315.00	$53,338 Land $3,125 Building $50,213	$853,400 Land $50,000 Building $803,400
2023	$4,512.00 (+19.68%)	$53,118 (+33.01%) Land $3,350 Building $49,768	$792,800 (+37.97%) Land $50,000 Building $742,800
2022	$3,770.00	$39,935 Land $3,475 Building $36,460	$574,600 Land $50,000 Building $524,600

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 405 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 405 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 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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