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

Larimer County property record for 411 E Oak St, Fort Collins, CO 80524

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 868 sqft · built 1920
Lot Size	0.109 acres (4,750 sqft)
Owner	Individual Name on File
Last Sale	$191,000 (May 2003)
Tax Bill	$2,824 (2025)
Deeds & Mortgages	May 2021 Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`97123-22-014`

Property Details

APN / Parcel Number

Primary APN	`97123-22-014`
Alternative APN	`R0045306`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	868 sqft Living Area
Gross Area	1,302 sqft
1st Floor Area	868 sqft
Basement Area	434 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,750 sqft (0.109 acres)
Porch	Open Slab
Porch Area	432 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R0045306
Street Address	411 E OAK ST
City	FORT COLLINS
State	CO
Zip	80524-2951
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NCM
Legal Description	E 95 FT OF LOTS 5 AND 6 BLK 152, FTC; LESS E 47.5 FT
Legal Range	69W
Legal Township	7N
Legal Section	12
Legal Subdivision	FTC BLK 152
Legal Block	152
Legal Lot Number	5,6
Jurisdiction	LARIMER CO
Township / Civil Division	FORT COLLINS
Census Block Group	2
Census Block	2046
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

411 E Oak St is owned and occupied by an individual who bought it in May 2003.

Source: Larimer County records, as of February 9, 2026

Owner of Record	Individual Name on File
Mailing Address	411 E OAK ST, FORT COLLINS, CO 80524-2951
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
May 3, 2021	Beneficiary Deed, Transfer · Conventional Mortgage CORNERSTONE HOME LENDING INC
Oct 19, 2017	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE HM LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2003 · Amount on File
Deed Sale	May 29, 2003 · Amount on File
Prior Sale	Jul 28, 1999 · Amount on File
Deed Document Number	200365685
Prior Transfer Date	Feb 24, 1997
Prior Transfer Doc	0000013125
Record Updated	Oct 29, 2026

May 2021: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	LARIMER CO
Recording Date	May 3, 2021
Property Address	411 E OAK ST, FORT COLLINS, CO 80524-2951
Document Number	0000044098
Instrument Date	Apr 27, 2021
Instrument	20210044098
Transaction Type	Transfer
Record Updated	May 12, 2021

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	2545 N MARION ST, DENVER, CO 80205-5257

Mortgage

Document Number	0000044084
Date	May 3, 2021
Instrument	20210044084

Lender

Name	CORNERSTONE HOME LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	411 E OAK ST, FORT COLLINS, CO 80524-2951
Document Number	0000071593
Instrument Date	Oct 19, 2017
Transaction Type	Mortgage
Record Updated	Oct 31, 2017
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 E OAK ST FORT COLLINS CO 805242951, FORT COLLINS, CO 80524-2951

Mortgage

Document Number	0000071593
Date	Oct 25, 2017
Instrument	71593

Lender

Name	CORNERSTONE HM LNDG
Address	HOUSTON, TX 77027

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 24, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 411 E Oak St was $2,824, up 33.6% 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	$2,824.00 (+33.59%)	$33,257 Land $3,813 Building $29,444	$532,100 Land $61,000 Building $471,100
2024	$2,114.00 (+4.86%)
2023	$2,016.00 (+58.87%)	$31,343 (+58.9%) Land $4,087 Building $27,256	$467,800 (+64.83%) Land $61,000 Building $406,800
2022	$1,269.00	$19,725 Land $4,240 Building $15,485	$283,800 Land $61,000 Building $222,800

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 411 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 411 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.

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