4609 Freehold Dr, Windsor, CO 80550 Property Records

Larimer County property record for 4609 Freehold Dr, Windsor, CO 80550

Property Summary

Property Type	Single Family Home
Details	5 bd · 5.25 ba · 3,596 sqft · built 2009
Lot Size	0.282 acres (12,267 sqft)
Owner	2 Individual Names on Record
Last Sale	$715,000 (Apr 2021)
Tax Bill	$4,550 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`86354-23-016`

Property Details

APN / Parcel Number

Primary APN	`86354-23-016`
Alternative APN	`R1632388`

Interior

Bedrooms	5 Beds
Full Baths	5.25 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,596 sqft Living Area
Gross Area	4,795 sqft
1st Floor Area	1,942 sqft
Basement Area	1,918 sqft
Finished Basement	1,654 sqft
Unfinished Basement	264 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Frame/Stucco
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	12,267 sqft (0.282 acres)
Garage Type	Attached
Garage Area	935 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Slab
Porch Area	395 sqft
Patio Area	170 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	R1632388
Street Address	4609 FREEHOLD DR
City	WINDSOR
State	CO
Zip	80550-2671
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 16, BLOCK 15, FOSSIL RIDGE SUB, WIN (2004-0111862)
Legal Range	68W
Legal Township	6N
Legal Section	35
Legal Subdivision	FOSSIL RIDGE SUB WIN (2004-0111862)
Legal Block	15
Legal Lot Number	16
Jurisdiction	LARIMER CO
Township / Civil Division	LOVELAND
Census Block Group	2
Census Block	2034
Census Tract	1714

Owner

Source: Larimer County records, as of October 19, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	4609 FREEHOLD DR, WINDSOR, CO 80550-2671
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2022	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Apr 26, 2021	Special Warranty Deed, Transfer · VA Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2021 · Amount on Record
Deed Sale	Apr 26, 2021 · Amount on Record
Prior Sale	Jun 13, 2014 · Amount on Record
Deed Document Number	202141173
Prior Transfer Date	Feb 23, 2010
Prior Transfer Doc	0000010012
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	4609 FREEHOLD DR, WINDSOR, CO 80550-2671
Transaction Type	Mortgage
Record Updated	Oct 11, 2022
Title Company	NAVY FEDERAL TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000049960
Date	Aug 10, 2022
Instrument	20220049960

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

April 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Apr 26, 2021
Property Address	4609 FREEHOLD DR, WINDSOR, CO 80550-2671
Document Number	0000041173
Instrument Date	Apr 15, 2021
Instrument	20210041173
Transaction Type	Transfer
Record Updated	Oct 11, 2022
Title Company	FIRST AMERICAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$71.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4609 FREEHOLD DR, WINDSOR, CO 80550-2671

Mortgage

Document Number	0000041174
Date	Apr 26, 2021
Instrument	20210041174

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

Source: Larimer County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Larimer County
Municipality	Windsor Town
Unified School District	Thompson School District R-2J (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,550.00 (+6.48%)	$46,269 (-10.03%) Land $11,875 Building $34,394	$740,300 (-3.56%) Land $190,000 Building $550,300
2023	$4,273.00 (+18.23%)	$51,429 (+31.3%) Land $12,730 Building $38,699	$767,600 (+36.2%) Land $190,000 Building $577,600
2022	$3,614.00	$39,170 Land $4,726 Building $34,444	$563,600 Land $68,000 Building $495,600

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 June 28, 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 5 (25% premium discount)
Nearby Flood Policies	1 in force

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 96% of the US · lower than 98.4% of Colorado
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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	TOWN OF WINDSOR serves 23,500 people · EPA ID CO0162843
Water Source	Purchased surface water from several systems
Last State Inspection	Nov 2022
Lead	6 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	None 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 131 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable · Fiber in parts of the area	2,000 / 250
Vistabeam Fixed Wireless	500 / 80
Rise Broadband Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Loveland Pulse, Verizon.

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