518 Stover St, Fort Collins, CO 80524 Property Records

Larimer County property record for 518 Stover St, Fort Collins, CO 80524

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 991 sqft · built 1925
Lot Size	0.169 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$70,000 (Oct 1993)
Tax Bill	$2,947 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`97131-08-015`

Property Details

APN / Parcel Number

Primary APN	`97131-08-015`
Alternative APN	`R0048844`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	991 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1925
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Porch	Porch
Porch Area	306 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	R0048844
Old Parcel Number	9713108015
Street Address	518 STOVER ST
City	FORT COLLINS
State	CO
Zip	80524-3123
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 40 FT OF N 1/2 OF LOT 7, BLK 185, FTC
Legal Range	69
Legal Township	07
Legal Section	13
Legal Quarter	NE
Legal Subdivision	FTC BLK 185
Legal Block	185
Legal Lot Number	7
Jurisdiction	LARIMER CO
Township / Civil Division	FORT COLLINS
Census Block Group	1
Census Block	1004
Census Tract	801

Owner

518 Stover St is owned and occupied by two individuals who bought it in October 1993.

Source: Larimer County records, as of February 2, 2026

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	518 STOVER ST, FORT COLLINS, CO 80524-3123
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
Sep 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage HARMONY HOME LENDING LLC
Nov 15, 2019	Deed of Trust, Mortgage · Conventional with PMI CORNERSTONE HM LNDG
Sep 14, 2018	Deed of Trust, Mortgage · Conventional with PMI CORNERSTONE HM LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 1993 · Amount on File
Deed Sale	Oct 1, 1993 · Amount on File
Deed Document Number	RECEPT # 93072747
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	518 STOVER ST, FORT COLLINS, CO 80524-3123
Transaction Type	Mortgage
Record Updated	Oct 4, 2021
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000090152
Date	Sep 28, 2021
Instrument	20210090152

Lender

Name	HARMONY HOME LENDING LLC
Type	Mortgage Company
Address	HOUSTON, TX 77027

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	518 STOVER ST, FORT COLLINS, CO 80524-3123
Document Number	0000073436
Instrument Date	Nov 15, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSURA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 STOVER ST FORT COLLINS CO 805243123, FORT COLLINS, CO 80524-3123

Mortgage

Document Number	0000073436
Date	Nov 21, 2019
Instrument	73436

Lender

Name	CORNERSTONE HM LNDG
Address	HOUSTON, TX 77027

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 20, 2049

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	518 STOVER ST, FORT COLLINS, CO 80524-3123
Document Number	0000058118
Instrument Date	Sep 14, 2018
Transaction Type	Mortgage
Record Updated	Oct 1, 2018
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 STOVER ST FORT COLLINS CO 805243123, FORT COLLINS, CO 80524-3123

Mortgage

Document Number	0000058118
Date	Sep 20, 2018
Instrument	58118

Lender

Name	CORNERSTONE HM LNDG
Address	HOUSTON, TX 77027

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Sep 19, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 518 Stover St was $2,947.

Source: Larimer County assessment roll, as of August 25, 2025

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	$2,947.00	$29,581 Land $3,125 Building $26,456	$473,300 Land $50,000 Building $423,300
2023	$2,722.00 (+27.2%)	$33,500 (+47.77%) Land $3,350 Building $30,150	$500,000 (+53.28%) Land $50,000 Building $450,000
2022	$2,140.00	$22,671 Land $3,475 Building $19,196	$326,200 Land $50,000 Building $276,200

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 518 Stover St in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	3 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

The area around 518 Stover 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 199 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: AT&T.

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