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

Larimer County property record for 418 E Oak St, Fort Collins, CO 80524

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,416 sqft · built 1915
Lot Size	0.164 acres (7,125 sqft)
Owner	2 Individual Names on File
Last Sale	$347,600 (Aug 2013)
Tax Bill	$4,463 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`97123-15-001`

Property Details

APN / Parcel Number

Primary APN	`97123-15-001`
Alternative APN	`R0044172`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,416 sqft Living Area
Gross Area	1,920 sqft
1st Floor Area	960 sqft
Basement Area	960 sqft
Finished Basement	456 sqft
Unfinished Basement	504 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1915
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Frame Siding
Construction Type	Frame
Foundation Type	Stone
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,125 sqft (0.164 acres)
Garage Type	Detached
Garage Area	350 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	564 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R0044172
Street Address	418 E OAK ST
City	FORT COLLINS
State	CO
Zip	80524-2950
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NCB
Legal Description	E 25 FT OF LOT 13 & W 12 1/2 FT OF LOT 14, BLK 151, FTC
Legal Range	69W
Legal Township	7N
Legal Section	12
Legal Subdivision	FTC BLK 151
Legal Block	151
Legal Lot Number	13,14
Jurisdiction	LARIMER CO
Township / Civil Division	FORT COLLINS
Census Block Group	2
Census Block	2031
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

418 E Oak St is owned and occupied by two individuals who bought it in August 2013.

Source: Larimer County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	418 E OAK ST, FORT COLLINS, CO 80524-2950
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANCORPSOUTH BANK
Apr 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage SECURITY SERVICE FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2013 · Amount on File
Deed Sale	Aug 1, 2013 · Amount on File
Prior Sale	Mar 3, 2009 · Amount on File
Deed Document Number	201359055
Prior Transfer Date	Sep 30, 2011
Prior Transfer Doc	0000060890
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	418 E OAK ST, FORT COLLINS, CO 80524-2950
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033973
Date	Apr 5, 2021
Instrument	20210033973

Lender

Name	BANCORPSOUTH BANK
Type	Bank
Address	TUPELO, MS 38803

Agreement

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

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	418 E OAK ST, FORT COLLINS, CO 80524-2950
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022874
Date	Apr 11, 2022
Instrument	20220022874

Lender

Name	SECURITY SERVICE FCU
Type	Credit Union
Address	SAN ANTONIO, TX 78249

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 418 E Oak St was $4,463.

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	$4,463.00	$42,682 Land $3,813 Building $38,869	$682,900 Land $61,000 Building $621,900
2023	$4,093.00 (+15.17%)	$46,230 (+29.21%) Land $4,087 Building $42,143	$690,000 (+34.03%) Land $61,000 Building $629,000
2022	$3,554.00	$35,779 Land $4,240 Building $31,539	$514,800 Land $61,000 Building $453,800

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 418 E Oak St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 418 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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