5285 Reef Ct, Windsor (Fort Collins), CO 80528 Property Records

Larimer County property record for 5285 Reef Ct, Windsor, CO 80528

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,873 sqft · built 2006
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$487,300 (Jul 2008)
Tax Bill	$5,971 (2025)
Deeds & Mortgages	Apr 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`86233-18-018`

Property Details

APN / Parcel Number

Primary APN	`86233-18-018`
Alternative APN	`R1619519`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,873 sqft Living Area
Basement Area	1,876 sqft
Finished Basement	1,448 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 2006
Architectural Style	Other
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.219 acres)
Garage Type	Attached
Garage Area	692 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	656 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	R1619519
Old Parcel Number	8623318018
Street Address	5285 REEF CT
City	WINDSOR
State	CO
Zip	80528-8606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 18, 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	18
Jurisdiction	LARIMER CO
Township / Civil Division	TIMNATH-WELLINGTON
Census Block Group	3
Census Block	3047
Census Tract	2505

Owner

5285 Reef Ct is owned and occupied by an individual who bought it in July 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	5285 REEF CT, WINDSOR, CO 80528-8606
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2008 · Amount on File
Deed Sale	Jul 17, 2008 · Amount on File
Deed Document Number	20080045518
Record Updated	Jun 8, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	5285 REEF CT, WINDSOR, CO 80528-8606
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000026317
Date	Apr 24, 2017
Instrument	20170026317

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	May 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 5285 Reef Ct was $5,971.

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	$5,971.00	$53,207 Land $10,938 Building $42,269	$851,300 Land $175,000 Building $676,300
2023	$5,637.00 (+17.81%)	$58,102 (+29.79%) Land $11,725 Building $46,377	$867,200 (+34.64%) Land $175,000 Building $692,200
2022	$4,785.00	$44,765 Land $4,726 Building $40,039	$644,100 Land $68,000 Building $576,100

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 5285 Reef Ct in Zone X, an area of minimal flood risk.

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

Wildfire risk around 5285 Reef Ct 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 99.1% of the US · lower than 99.6% of Colorado
Wildfire Likelihood	Under 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 329 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Vistabeam Fixed Wireless	500 / 80
CenturyLink DSL	140 / 20
Rise Broadband Fixed Wireless	100 / 20

May also be available: AT&T, T-Mobile, TDS Telecom, Verizon.

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