5261 Reef Ct, Windsor (Fort Collins), CO 80528 Property Records

Larimer County property record for 5261 Reef Ct, Windsor, CO 80528

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,949 sqft · built 2004
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$420,000 (Oct 2010)
Tax Bill	$5,879 (2025)
Deeds & Mortgages	Apr 2018 Mortgage Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`86233-18-020`

Property Details

APN / Parcel Number

Primary APN	`86233-18-020`
Alternative APN	`R1619521`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,949 sqft Living Area
Basement Area	1,541 sqft
Finished Basement	1,190 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2018
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	266 sqft
Deck Area	192 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R1619521
Old Parcel Number	8623318020
Street Address	5261 REEF CT
City	WINDSOR
State	CO
Zip	80528-8606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 20, BLK 5, HIGHLAND MEADOWS SUBDIVISION FOURTH, WIN (2002076663)
Legal Range	68
Legal Township	06
Legal Section	23
Legal Quarter	SW
Legal Subdivision	HIGHLAND MEADOWS SUB 4TH
Legal Block	5
Legal Lot Number	20
Jurisdiction	LARIMER CO
Township / Civil Division	TIMNATH-WELLINGTON
Census Block Group	3
Census Block	3047
Census Tract	2505

Owner

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

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	5261 REEF CT, WINDSOR, CO 80528-8606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK OF OMAHA
Jan 9, 2018	Deed of Trust, Mortgage · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2010 · Amount on Record
Deed Sale	Oct 1, 2010 · Amount on Record
Prior Sale	Jun 7, 2005 · Amount on Record
Deed Document Number	20100059110
Record Updated	Jun 8, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	5261 REEF CT, WINDSOR, CO 80528-8606
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020305
Date	Apr 9, 2018
Instrument	20180020305

Lender

Name	FIRST NATIONAL BANK OF OMAHA
Type	Bank
Address	OMAHA, NE 68197

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 3, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	5261 REEF CT, WINDSOR, CO 80528-8606
Document Number	0000003648
Instrument Date	Jan 9, 2018
Transaction Type	Mortgage
Record Updated	Jan 23, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5261 REEF CT WINDSOR CO 805288606, WINDSOR, CO 80528-8606

Mortgage

Document Number	0000003648
Date	Jan 18, 2018
Instrument	3648

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 17, 2033

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Colorado
County	Larimer County
Municipality	Windsor Town
Unified School District	Poudre School District R-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,879.00 (+17.58%)	$52,388 (+0.84%) Land $10,938 Building $41,450	$838,200 (+8.1%) Land $175,000 Building $663,200
2023	$5,000.00 (+17.54%)	$51,952 (+30.52%) Land $11,725 Building $40,227	$775,400 (+35.39%) Land $175,000 Building $600,400
2022	$4,254.00	$39,803 Land $4,726 Building $35,077	$572,700 Land $68,000 Building $504,700

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 10 (0% premium discount)
Nearby Flood Policies	4 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 99.1% of the US · lower than 99.6% 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 346 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
CenturyLink DSL	140 / 20
Rise Broadband Fixed Wireless	100 / 20

May also be available: Loveland Pulse, T-Mobile, Verizon.

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