407 E Prospect Rd, Fort Collins, CO 80525 Property Records

Larimer County property record for 407 E Prospect Rd, Fort Collins, CO 80525

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,643 sqft · built 1937
Lot Size	0.389 acres (16,988 sqft)
Owner	Individual Name on File
Last Sale	$896,900 (Feb 2023)
Tax Bill	$4,790 (2025)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Aug 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`97242-09-002`

Property Details

APN / Parcel Number

Primary APN	`97242-09-002`
Alternative APN	`R0109606`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,643 sqft Living Area
Basement Area	1,643 sqft
Finished Basement	1,643 sqft
Interior Walls	Plaster
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Effective Year Built	Effective 2018
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,988 sqft (0.389 acres)
Garage Type	Detached
Garage Area	570 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	20 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	R0109606
Old Parcel Number	9724209002
Street Address	407 E PROSPECT RD
City	FORT COLLINS
State	CO
Zip	80525-1058
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2 & E 1/2 OF LOT 6, BLK 2, GRAY STRECKER, FTC
Legal Range	69
Legal Township	07
Legal Section	24
Legal Quarter	NW
Legal Subdivision	GRAY-STRECKER
Legal Block	2
Legal Lot Number	2
Jurisdiction	LARIMER CO
Township / Civil Division	FORT COLLINS
Census Block Group	4
Census Block	4005
Census Tract	901

Owner

407 E Prospect Rd is owned and occupied by an individual who bought it in February 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	407 E PROSPECT RD, FORT COLLINS, CO 80525-1058
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 14, 2023	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU
Aug 3, 2021	Warranty Deed, Transfer NOT AVAILABLE, GUARANTEED TITLE GROUP LLC
Apr 6, 2018	Deed of Trust, Mortgage · Line of Credit ELEVATIONS CU
Feb 20, 2018	Deed of Trust, Mortgage · Conventional Mortgage ELEVATIONS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2023 · Amount on File
Deed Sale	Feb 14, 2023 · Amount on File
Prior Sale	Aug 3, 2021 · Amount on File
Deed Document Number	20230005877
Record Updated	Jun 8, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Feb 14, 2023
Property Address	407 E PROSPECT RD, FORT COLLINS, CO 80525-1058
Document Number	0000005877
Instrument Date	Feb 10, 2023
Instrument	20230005877
Transaction Type	Transfer
Record Updated	Feb 21, 2023
Title Company	NOT AVAILABLE, GUARANTEED TITLE GROUP LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$89.69
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	407 E PROSPECT RD, FORT COLLINS, CO 80525-1058

Mortgage

Document Number	0000005878
Date	Feb 14, 2023
Instrument	20230005878

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2038

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Aug 3, 2021
Property Address	407 E PROSPECT RD, FORT COLLINS, CO 80525-1058
Document Number	0000073509
Instrument Date	Jul 28, 2021
Instrument	20210073509
Transaction Type	Transfer
Record Updated	Aug 11, 2021
Title Company	NOT AVAILABLE, GUARANTEED TITLE GROUP LLC

Transaction

Amount	Amount on Record
Tax	$86.51
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 E PROSPECT RD, FORT COLLINS, CO 80525-1058

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	407 E PROSPECT RD, FORT COLLINS, CO 80525-1058
Document Number	0000021019
Instrument Date	Apr 6, 2018
Transaction Type	Mortgage
Record Updated	May 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 E PROSPECT RD FORT COLLINS CO 805251058, FORT COLLINS, CO 80525-1058

Mortgage

Document Number	0000021019
Date	Apr 11, 2018
Instrument	21019

Lender

Name	ELEVATIONS CU
Address	BOULDER, CO 80301

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 10, 2038

Interest

Rate Type	Adjustable Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	407 E PROSPECT RD, FORT COLLINS, CO 80525-1058
Document Number	0000011686
Instrument Date	Feb 20, 2018
Transaction Type	Mortgage
Record Updated	Mar 6, 2018
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 E PROSPECT RD FORT COLLINS CO 805251058, FORT COLLINS, CO 80525-1058

Mortgage

Document Number	0000011686
Date	Feb 27, 2018
Instrument	11686

Lender

Name	ELEVATIONS CU
Address	BROOMFIELD, CO 80021

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 26, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 407 E Prospect Rd was $4,790.

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	$4,790.00	$48,075 Land $2,500 Building $45,575	$769,200 Land $40,000 Building $729,200
2023	$4,220.00 (+15.68%)	$49,915 (+29.17%) Land $2,680 Building $47,235	$745,000 (+33.99%) Land $40,000 Building $705,000
2022	$3,648.00	$38,642 Land $2,780 Building $35,862	$556,000 Land $40,000 Building $516,000

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.

Flood

FEMA maps place 407 E Prospect Rd in Zone X, an area of minimal flood risk.

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	8 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.

Wildfire

Wildfire risk around 407 E Prospect Rd 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 99.1% of the US · lower than 99.6% 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 549 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
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Vistabeam.

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