431 E 2nd St, Florence, CO 81226 Property Records

Fremont County property record for 431 E 2nd St, Florence, CO 81226

Property Summary

Property Type	Single Family Home
Details	6 bd · 3.5 ba · 2,973 sqft · built 1955
Lot Size	0.161 acres (7,000 sqft)
Owner	Company Name on Record
Tax Bill	$2,190 (2025)
Deeds & Mortgages	Jan 2023 Construction Loan Jun 2021 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R020863`

Property Details

APN / Parcel Number

Primary APN	`R020863`
Alternative APN	`61004500`

Interior

Bedrooms	6 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	1 Story
Building Area	2,973 sqft Living Area
Gross Area	3,466 sqft
1st Floor Area	2,973 sqft
Basement Area	493 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1965
Architectural Style	Multi-Level
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,000 sqft (0.161 acres)

Exterior Amenities

Porch	Slab
Porch Area	272 sqft
Patio Area	37 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Account Number	R020863
Street Address	431 E 2ND ST
City	FLORENCE
State	CO
Zip	81226-1522
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1 & 2 BLK 6 UNITED OIL COS FIRST SUB
Legal Subdivision	UNITED OIL COS FIRST SUB
Legal Block	6
Legal Lot Number	1,2
Jurisdiction	FREMONT CO
Township / Civil Division	FLORENCE
Census Block Group	1
Census Block	1068
Census Tract	978200

Owner

Source: Fremont County records, as of August 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	376 BLUE WINDSOR LN, COLORADO SPRINGS, CO 80906-4427
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2023	Deed of Trust, Mortgage · Construction Mortgage ROCKY MOUNTAIN BANK AND TRUST
Jun 10, 2021	Warranty Deed, Transfer
Aug 2, 2021	Warranty Deed, Transfer
Nov 2, 2020	Warranty Deed, Transfer NOT AVAILABLE
Dec 31, 2018	Warranty Deed, Transfer · Commercial Mortgage ROCKY MOUNTAIN BANK AND TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Sep 10, 2010
Transfer Doc	0000878731
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREMONT CO
Property Address	431 E 2ND ST, FLORENCE, CO 81226-1522
Transaction Type	Mortgage
Record Updated	May 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001023498
Date	Jan 4, 2023
Instrument	1023498

Lender

Name	ROCKY MOUNTAIN BANK AND TRUST
Type	Bank
Address	FLORENCE, CO 81226

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREMONT CO
Recording Date	Jun 10, 2021
Property Address	431 E 2ND ST, FLORENCE, CO 81226-1522
Document Number	0001002447
Instrument Date	Jun 7, 2021
Instrument	1002447
Transaction Type	Transfer
Record Updated	May 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	376 BLUE WINDSOR LN, COLORADO SPRINGS, CO 80906-4427

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREMONT CO
Recording Date	Aug 2, 2021
Property Address	431 E 2ND ST, FLORENCE, CO 81226-1522
Document Number	0001004719
Instrument Date	Jun 7, 2021
Instrument	1004719
Transaction Type	Transfer
Record Updated	May 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	376 BLUE WINDSOR LN, COLORADO SPRINGS, CO 80906-4427

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	376 BLUE WINDSOR LN, COLORADO SPRINGS, CO 80906-4427

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREMONT CO
Recording Date	Nov 2, 2020
Property Address	431 E 2ND ST, FLORENCE, CO 81226-1522
Document Number	0000992712
Instrument Date	Oct 27, 2020
Instrument	992712
Transaction Type	Transfer
Record Updated	Nov 12, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	376 BLUE WINDSOR LN COLORADO SPRINGS CO 809064427, COLORADO SPRINGS, CO 80906-4427

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREMONT CO
Recording Date	Dec 31, 2018
Property Address	431 E 2ND ST, FLORENCE, CO 81226-1522
Document Number	0000969317
Instrument Date	Dec 28, 2018
Instrument	969317
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$21.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	376 BLUE WINDSOR LN, COLORADO SPRINGS, CO 80906-4427

Mortgage

Document Number	0000969318
Date	Dec 31, 2018
Instrument	969318

Lender

Name	ROCKY MOUNTAIN BANK AND TRUST
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Dec 28, 2021

Tax Assessment & Valuation

Source: Fremont County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Fremont County
Municipality	Florence City
Unified School District	Fremont RE-2 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,190.00 (+11.85%)	$27,613 (-2.28%)	$441,815 (+4.76%)
2024	$1,958.00 (+1.61%)	$28,257 (+15%)
2023	$1,927.00 (+2.72%)	$24,571 (+3.56%)	$421,744 (+23.54%)
2022	$1,876.00	$23,726	$341,394

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

Source: FEMA National Flood Hazard Layer, effective October 23, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AH, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 26 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	26 in force
Nearby Flood Claims	2 (2015–2025)
Most Recent Claim	May 2025 · rainfall accumulation

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 84% of Colorado
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect 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 FLORENCE serves 7,500 people · EPA ID CO0122500
Water Source	Surface water
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Organic carbon removal Jul 2025
Monitoring and Reporting	3 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 359 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
SECOM Fixed Wireless	100 / 25
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon, Visionary Broadband.

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