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

Larimer County property record for 409 E Prospect Rd, Fort Collins, CO 80525

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,226 sqft · built 1941
Lot Size	0.259 acres (11,287 sqft)
Owner	Individual Name on File
Last Sale	$965,000 (Mar 2026)
Tax Bill	$4,220 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage May 2023 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`97242-09-003`

Property Details

APN / Parcel Number

Primary APN	`97242-09-003`
Alternative APN	`R0109614`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,226 sqft Living Area
Gross Area	2,550 sqft
Basement Area	1,070 sqft
Finished Basement	746 sqft
Unfinished Basement	324 sqft
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1941
Architectural Style	Multi-Level
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,287 sqft (0.259 acres)
View / Lot	Traffic
Garage Type	Detached
Garage Area	564 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Slab
Porch Area	286 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	R0109614
Street Address	409 E PROSPECT RD
City	FORT COLLINS
State	CO
Zip	80525-1058
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LMN
Legal Description	LOT 3, BLK 2, GRAY STRECKER, FTC
Legal Range	69W
Legal Township	7N
Legal Section	24
Legal Subdivision	GRAY-STRECKER
Legal Block	2
Legal Lot Number	3
Jurisdiction	LARIMER CO
Township / Civil Division	FORT COLLINS
Census Block Group	4
Census Block	4005
Census Tract	901

Owner

409 E Prospect Rd is owned by an individual who bought it in March 2026.

Source: Larimer County records, as of April 3, 2026

Owner of Record	Individual Name on File
Mailing Address	719 SANDPIPER PT, FORT COLLINS, CO 80525-3111
Owner Type	Individual
Vesting	Tenants in Common

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
Mar 26, 2026	Special Warranty Deed, Transfer · Commercial Mortgage LAURIE FROST MICHAELS
May 31, 2023	Intrafamily Transfer, Transfer
Feb 10, 2020	Deed of Trust, Mortgage · Line of Credit BANK OF CO
Jan 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF CO
Jan 10, 2018	Deed of Trust, Mortgage BANK OF CO
Dec 5, 2016	Deed of Trust, Mortgage · Line of Credit BANK OF CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2026 · Amount on File
Deed Sale	Mar 26, 2026 · Amount on File
Prior Sale	Oct 31, 2006 · Amount on File
Deed Document Number	202613740
Prior Transfer Date	May 17, 2023
Prior Transfer Doc	0000021902
Record Updated	Oct 29, 2026

March 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Mar 26, 2026
Property Address	409 E PROSPECT RD, FORT COLLINS, CO 80525-1058
Document Number	0000013740
Instrument Date	Mar 25, 2026
Instrument	20260013740
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$96.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	719 SANDPIPER PT, FORT COLLINS, CO 80525-3111

Mortgage

Document Number	0000013741
Date	Mar 26, 2026
Instrument	20260013741

Lender

Name	LAURIE FROST MICHAELS

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	6 Months
Due	Sep 25, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LARIMER CO
Recording Date	May 31, 2023
Property Address	409 E PROSPECT RD, FORT COLLINS, CO 80525-1058
Document Number	0000021902
Instrument Date	May 17, 2023
Instrument	20230021902
Transaction Type	Transfer
Record Updated	Jun 14, 2023

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	Living Trust
Address	409 E PROSPECT RD, FORT COLLINS, CO 80525-1058

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	409 E PROSPECT RD, FORT COLLINS, CO 80525-1058
Document Number	0000010216
Instrument Date	Feb 10, 2020
Transaction Type	Mortgage
Record Updated	Mar 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E PROSPECT RD FORT COLLINS CO 805251058, FORT COLLINS, CO 80525-1058

Mortgage

Document Number	0000010216
Date	Feb 14, 2020
Instrument	10216

Lender

Name	BANK OF CO
Type	Bank
Address	FORT COLLINS, CO 80524

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Feb 13, 2045

Interest

Rate Type	Adjustable Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	409 E PROSPECT RD, FORT COLLINS, CO 80525-1058
Document Number	0000005702
Instrument Date	Jan 21, 2020
Transaction Type	Mortgage
Record Updated	Feb 10, 2020
Title Company	LAND TITLE GUARANTEE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E PROSPECT RD FORT COLLINS CO 805251058, FORT COLLINS, CO 80525-1058

Mortgage

Document Number	0000005702
Date	Jan 27, 2020
Instrument	5702

Lender

Name	BANK OF CO
Type	Bank
Address	JOHNSTOWN, CO 80534

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 26, 2050

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	409 E PROSPECT RD, FORT COLLINS, CO 80525-1058
Document Number	0000003174
Instrument Date	Jan 10, 2018
Transaction Type	Mortgage
Record Updated	Jan 23, 2018
Title Company	LAND TITLE GUARANTEE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E PROSPECT RD FORT COLLINS CO 805251058, FORT COLLINS, CO 80525-1058

Mortgage

Document Number	0000003174
Date	Jan 16, 2018
Instrument	3174

Lender

Name	BANK OF CO
Type	Bank
Address	JOHNSTOWN, CO 80534

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 15, 2048

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	409 E PROSPECT RD, FORT COLLINS, CO 80525-1058
Document Number	0000000175
Instrument Date	Dec 5, 2016
Transaction Type	Mortgage
Record Updated	Jan 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E PROSPECT RD FORT COLLINS CO 805251058, FORT COLLINS, CO 80525-1058

Mortgage

Document Number	0000000175
Date	Jan 3, 2017
Instrument	175

Lender

Name	BANK OF CO
Type	Bank
Address	FORT COLLINS, CO 80524

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jan 2, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 409 E Prospect Rd was $4,220, up 14.4% from the year before.

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	$4,220.00 (+14.43%)	$42,350 Land $2,500 Building $39,850	$677,600 Land $40,000 Building $637,600
2024	$3,688.00 (+5.1%)
2023	$3,509.00 (+24.83%)	$42,130 (+41.5%) Land $2,680 Building $39,450	$628,800 (+46.78%) Land $40,000 Building $588,800
2022	$2,811.00	$29,774 Land $2,780 Building $26,994	$428,400 Land $40,000 Building $388,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 409 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 409 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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