521 Stover St, Fort Collins, CO 80524 Property Records

Larimer County property record for 521 Stover St, Fort Collins, CO 80524

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 810 sqft · built 1918
Lot Size	0.218 acres (9,500 sqft)
Owner	Individual Name on File
Last Sale	$189,500 (Sep 2002)
Tax Bill	$3,632 (2025)
Deeds & Mortgages	Sep 2020 Line of Credit Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`97131-09-003`

Property Details

APN / Parcel Number

Primary APN	`97131-09-003`
Alternative APN	`R0049018`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	810 sqft Living Area
Basement Area	608 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1918
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Lot Area	9,500 sqft (0.218 acres)
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	240 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	R0049018
Old Parcel Number	9713109003
Street Address	521 STOVER ST
City	FORT COLLINS
State	CO
Zip	80524-3122
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 1/2 OF LOT 2, BLK 175, FTC
Legal Range	69
Legal Township	07
Legal Section	13
Legal Quarter	NE
Legal Subdivision	FTC BLK 175
Legal Block	175
Legal Lot Number	2
Jurisdiction	LARIMER CO
Township / Civil Division	FORT COLLINS
Census Block Group	1
Census Block	1000
Census Tract	700

Owner

521 Stover St is owned and occupied by an individual who acquired it in May 2008.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	521 STOVER ST, FORT COLLINS, CO 80524-3122
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 2, 2020	Deed of Trust, Mortgage · Line of Credit CANVAS CU
Mar 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage LOAN SIMPLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2002 · Amount on File
Deed Sale	Sep 5, 2002 · Amount on File
Prior Sale	Oct 21, 2004
Deed Document Number	0000094548
Last Transfer Date	May 7, 2008
Transfer Doc	0000028935
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	521 STOVER ST, FORT COLLINS, CO 80524-3122
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000069942
Date	Sep 2, 2020
Instrument	20200069942

Lender

Name	CANVAS CU
Type	Credit Union
Address	ENGLEWOOD, CO 80155

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Aug 15, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	521 STOVER ST, FORT COLLINS, CO 80524-3122
Document Number	0000020741
Instrument Date	Mar 27, 2017
Transaction Type	Mortgage
Record Updated	Aug 17, 2018
Title Company	ROCKY MOUNTAIN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 STOVER ST FORT COLLINS CO 805243122, FORT COLLINS, CO 80524-3122

Mortgage

Document Number	0000020741
Date	Mar 31, 2017
Instrument	20741

Lender

Name	LOAN SIMPLE INC
Type	Funding / Finance Company
Address	ENGLEWOOD, CO 80112

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 30, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 521 Stover St was $3,632.

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	$3,632.00	$36,456 Land $3,125 Building $33,331	$583,300 Land $50,000 Building $533,300
2023	$3,193.00 (+57.21%)	$38,666 (+79.76%) Land $3,350 Building $35,316	$577,100 (+86.46%) Land $50,000 Building $527,100
2022	$2,031.00	$21,510 Land $3,475 Building $18,035	$309,500 Land $50,000 Building $259,500

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 521 Stover St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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	1 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2018 · other causes

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

Wildfire risk around 521 Stover St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 99.2% of Colorado
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 577 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
Rise Broadband Fixed Wireless	100 / 20

May also be available: CenturyLink, T-Mobile, Verizon.

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