422 Prospect St, Fort Morgan, CO 80701 Property Records

Morgan County property record for 422 Prospect St, Fort Morgan, CO 80701

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 2,308 sqft · built 1949
Lot Size	0.165 acres (7,200 sqft)
Owner	Individual Name on File
Last Sale	$256,000 (May 2020)
Tax Bill	$1,650 (2025)
Deeds & Mortgages	Apr 2023 Transfer Jun 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1229-064-10-015`

Property Details

APN / Parcel Number

Primary APN	`1229-064-10-015`
Alternative APN	`R006988`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,308 sqft Total Area
1st Floor Area	924 sqft
Basement Area	924 sqft
Finished Basement	744 sqft
Unfinished Basement	180 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1953
Architectural Style	Conventional
Exterior Material	Other
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,200 sqft (0.165 acres)
Lot Dimensions	180 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	832 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	316 sqft
Patio Area	144 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	422 PROSPECT ST
City	FORT MORGAN
State	CO
Zip	80701-3131
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBD FORT MORGAN ORIGINAL TOWN FM BLOCK 12 LOT 15 S40FT LT 15
Legal Subdivision	FORT MORGAN ORIGINAL TOWN
Legal Block	12
Legal Lot Number	15
Jurisdiction	MORGAN CO
Township / Civil Division	FORT MORGAN
Census Block Group	3
Census Block	3011
Census Tract	500

Owner

422 Prospect St is owned and occupied by an individual who acquired it in June 2025.

Source: Morgan County records, as of September 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	422 PROSPECT ST, FORT MORGAN, CO 80701-3131
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2023	Quit Claim Deed, Transfer Quitclaim
Jun 1, 2022	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LENDING GROUP INC
May 27, 2020	Warranty Deed, Transfer · FHA Mortgage BANK OF CO
Jan 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE WEST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 27, 2020 · Amount on File
Deed Sale	May 27, 2020 · Amount on File
Prior Sale	Nov 9, 2016 · Amount on File
Deed Document Number	2020925203
Last Transfer Date	Jun 26, 2025
Transfer Doc	0000957061
Record Updated	Oct 29, 2026

April 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MORGAN CO
Recording Date	Apr 10, 2023
Property Address	422 PROSPECT ST, FORT MORGAN, CO 80701-3131
Document Number	0000945751
Instrument Date	Apr 10, 2023
Instrument	945751
Transaction Type	Transfer
Record Updated	Apr 18, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 PROSPECT ST, FORT MORGAN, CO 80701-3131

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN CO
Property Address	422 PROSPECT ST, FORT MORGAN, CO 80701-3131
Transaction Type	Mortgage
Record Updated	Jun 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 PROSPECT ST, FORT MORGAN, CO 80701-3131

Mortgage

Document Number	0000940930
Date	Jun 1, 2022
Instrument	940930

Lender

Name	SOVEREIGN LENDING GROUP INC
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MORGAN CO
Recording Date	May 27, 2020
Property Address	422 PROSPECT ST, FORT MORGAN, CO 80701-3131
Document Number	0000925283
Instrument Date	May 22, 2020
Instrument	925283
Transaction Type	Transfer
Record Updated	Jul 17, 2020
Title Company	NORTHERN COMPANY TITLE SERVICES, NORTHERN CO TITLE SVCS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$26.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 PROSPECT ST FORT MORGAN CO 807013131, FORT MORGAN, CO 80701-3131

Mortgage

Document Number	925204
Date	May 27, 2020
Instrument	925204

Lender

Name	BANK OF CO
Type	Bank
Address	JOHNSTOWN, CO 80534

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 26, 2050

Mortgage

Document Number	925205,
Date	May 27, 2020
Instrument	925205

Lender

Name	HOUSING FIN AUTH
Address	1981 BLAKE ST, DENVER, CO 80202-1229

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 26, 2050

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MORGAN CO
Property Address	422 PROSPECT ST, FORT MORGAN, CO 80701-3131
Document Number	0000916677
Instrument Date	Jan 18, 2019
Transaction Type	Mortgage
Record Updated	Feb 14, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	422 PROSPECT ST FORT MORGAN CO 807013131, FORT MORGAN, CO 80701-3131

Mortgage

Document Number	0000916677
Date	Feb 4, 2019
Instrument	916677

Lender

Name	BANK OF THE WEST
Type	Bank
Address	OMAHA, NE 68154

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Feb 3, 2044

Tax Assessment & Valuation

The 2025 property tax bill for 422 Prospect St was $1,650, up 32.3% from the year before.

Source: Morgan County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Morgan County
Municipality	Fort Morgan City
Unified School District	Fort Morgan School District RE-3 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,650.00 (+32.32%)	$18,440 (+18.36%) Land $2,500 Building $15,940	$295,150 (+26.91%) Land $40,050 Building $255,100
2024	$1,247.00 (-1.34%)	$15,580 (-19.11%) Land $2,170 Building $13,410	$232,570 (-19.13%) Land $32,390 Building $200,180
2023	$1,264.00 (+3.1%)	$19,260 (+28.74%) Land $2,680 Building $16,580	$287,570 (+33.64%) Land $40,050 Building $247,520
2022	$1,226.00	$14,960 Land $2,630 Building $12,330	$215,180 Land $37,800 Building $177,380

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 422 Prospect St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 8, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 422 Prospect 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 MORGAN serves 12,000 people · EPA ID CO0144005
Water Source	Surface water
Last State Inspection	Apr 2026
Lead	3 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 410 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Allo Communications Fiber	2,300 / 2,300
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, Viaero Wireless.

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