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

Larimer County property record for 426 E Oak St, Fort Collins, CO 80524

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,036 sqft · built 1876
Lot Size	0.402 acres (17,500 sqft)
Owner	Individual Name on File
Tax Bill	$4,705 (2025)
Deeds & Mortgages	May 2023 Line of Credit Sep 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`97123-15-015`

Property Details

APN / Parcel Number

Primary APN	`97123-15-015`
Alternative APN	`R0044300`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,036 sqft Living Area
Interior Walls	Plaster

Exterior

Year Built	Built 1876
Effective Year Built	Effective 1876
Architectural Style	Multi-Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	17,500 sqft (0.402 acres)
View / Lot	Traffic
Porch	Open Slab
Porch Area	468 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	R0044300
Street Address	426 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	LOTS 15 & 16, BLK 151, FTC
Legal Range	69W
Legal Township	7N
Legal Section	12
Legal Subdivision	FTC BLK 151
Legal Block	151
Legal Lot Number	15,16
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

426 E Oak St is owned and occupied by an individual who acquired it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	426 E OAK ST, FORT COLLINS, CO 80524-2950
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 24, 2023	Deed of Trust, Mortgage · Line of Credit KEY BANK NA
Sep 1, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage KEY BANK NA
Apr 27, 2021	Intrafamily Transfer, Transfer
Jan 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage KEYBANK USA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 1999
Deed Sale	Jan 27, 1999
Prior Sale	Aug 25, 1997 · Amount on File
Deed Document Number	19997338
Last Transfer Date	Aug 24, 2021
Transfer Doc	0000082475
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	426 E OAK ST, FORT COLLINS, CO 80524-2950
Transaction Type	Mortgage
Record Updated	Jun 1, 2023
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 E OAK ST, FORT COLLINS, CO 80524-2950

Mortgage

Document Number	0000020901
Date	May 24, 2023
Instrument	20230020901

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44144

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 17, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LARIMER CO
Recording Date	Sep 1, 2021
Property Address	426 E OAK ST, FORT COLLINS, CO 80524-2950
Document Number	0000082475
Instrument Date	Aug 24, 2021
Instrument	20210082475
Transaction Type	Transfer
Record Updated	Sep 8, 2021
Title Company	GUARDIAN TITLE AGENCY, GUARDIAN TITLE AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 E OAK ST, FORT COLLINS, CO 80524-2950

Mortgage

Document Number	0000082476
Date	Sep 1, 2021
Instrument	20210082476

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2036

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LARIMER CO
Recording Date	Apr 27, 2021
Property Address	426 E OAK ST, FORT COLLINS, CO 80524-2950
Document Number	0000042013
Instrument Date	Mar 21, 2021
Instrument	20210042013
Transaction Type	Transfer
Record Updated	Mar 28, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 E OAK ST, FORT COLLINS, CO 80524-2950

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	426 E OAK ST, FORT COLLINS, CO 80524-2950
Document Number	0000006842
Instrument Date	Jan 22, 2020
Transaction Type	Mortgage
Record Updated	Feb 20, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	426 E OAK ST FORT COLLINS CO 805242950, FORT COLLINS, CO 80524-2950

Mortgage

Document Number	0000006842
Date	Jan 31, 2020
Instrument	6842

Lender

Name	KEYBANK USA
Type	Bank
Address	CLEVELAND, OH 44114-1306

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 30, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 426 E Oak St was $4,705, up 7.9% 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	$4,705.00 (+7.91%)	$44,994 Land $3,813 Building $41,181	$719,900 Land $61,000 Building $658,900
2024	$4,360.00 (+4.83%)
2023	$4,159.00 (+60.58%)	$46,913 (+79.95%) Land $4,087 Building $42,826	$700,200 (+86.67%) Land $61,000 Building $639,200
2022	$2,590.00	$26,070 Land $4,240 Building $21,830	$375,100 Land $61,000 Building $314,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 426 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 426 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.

Nearby Properties on E Oak St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures