Larimer County property record for 415 Smith St, Fort Collins, CO 80524
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 2,344 sqft · built 1958 |
| Lot Size | 0.218 acres (9,500 sqft) |
| Owner | Individual Name on File |
| Last Sale | $825,000 (Jun 2025) |
| Tax Bill | $4,501 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Jan 2019 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 97123-34-005 |
| Primary APN | 97123-34-005 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,344 sqft Living Area |
| 1st Floor Area | 1,172 sqft |
| Basement Area | 1,172 sqft |
| Finished Basement | 1,172 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1958 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,500 sqft (0.218 acres) |
| Garage Type | Detached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Slab |
| Porch Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | R0047155 |
|---|---|
| Street Address | 415 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 | S 1/2 OF LOT 3, BLK 164, FTC |
| Legal Range | 69W |
| Legal Township | 7N |
| Legal Section | 12 |
| Legal Subdivision | FTC BLK 164 |
| Legal Block | 164 |
| Legal Lot Number | 3 |
| Jurisdiction | LARIMER CO |
| Township / Civil Division | FORT COLLINS |
| Census Block Group | 2 |
| Census Block | 2060 |
| Census Tract | 100 |
415 Smith St is owned and occupied by an individual who bought it in June 2025.
Source: Larimer County records, as of May 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 415 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.
| Date | Document |
|---|---|
| Mar 3, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 22, 2019 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 12, 2025 · Amount on File |
| Deed Sale | Jun 12, 2025 · Amount on File |
| Deed Document Number | 202526525 |
| Prior Transfer Date | Jun 24, 1998 |
| Prior Transfer Doc | 0000054490 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LARIMER CO |
| Property Address | 415 SMITH ST, FORT COLLINS, CO 80524-2939 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2026 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|---|
| Address | 415 SMITH ST, FORT COLLINS, CO 80524-2939 |
| Document Number | 0000009387 |
|---|---|
| Date | Mar 3, 2026 |
| Instrument | 20260009387 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2056 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LARIMER CO |
| Recording Date | Jan 22, 2019 |
| Property Address | 415 SMITH ST, FORT COLLINS, CO 80524-2939 |
| Document Number | 0000003439 |
| Instrument Date | Jan 22, 2019 |
| Instrument | 3439 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2019 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1201 ELLIS ST FORT COLLINS CO 805243827, FORT COLLINS, CO 80524-3827 |
The 2025 property tax bill for 415 Smith St was $4,501, up 3.9% from the year before.
Source: Larimer County assessment roll, as of February 9, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Larimer County |
| Municipality | Fort Collins City |
| Unified School District | Poudre School District R-1 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,501.00 (+3.88%) | $45,175 Land $3,125 Building $42,050 | $722,800 Land $50,000 Building $672,800 |
| 2024 | $4,333.00 (+5.09%) | ||
| 2023 | $4,123.00 (+19.06%) | $48,850 (+33.17%) Land $3,350 Building $45,500 | $729,100 (+38.14%) Land $50,000 Building $679,100 |
| 2022 | $3,463.00 | $36,682 Land $3,475 Building $33,207 | $527,800 Land $50,000 Building $477,800 |
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.
FEMA maps place 415 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 risk around 415 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.
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 |
| 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.
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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