560 Oak St, Florence, CO 81226 Property Records

Fremont County property record for 560 Oak St, Florence, CO 81226

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,740 sqft · built 2003
Lot Size	1.15 acres (50,447 sqft)
Owner	Individual Name on Record
Tax Bill	$960 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R037966`

Property Details

APN / Parcel Number

Primary APN	`R037966`
Alternative APN	`99922208`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,740 sqft Living Area
1st Floor Area	1,740 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Underground/Berm
Exterior Material	Wood
Construction Type	Wood
Roof Type	Flat
Roof Material	Composition Shingle
Lot Area	50,447 sqft (1.15 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	576 sqft
Shed	1 Shed
Shed Area	180 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	R037966
Street Address	560 OAK CREEK AVE
City	FLORENCE
State	CO
Zip	81226-9525
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 ADAMS SUB CORR PLAT FIL 1 REF FROM 995-04-334
Legal Subdivision	ADAMS SUB
Legal Lot Number	3
Jurisdiction	FREMONT CO
Township / Civil Division	FLORENCE
Census Block Group	1
Census Block	1064
Census Tract	978200

Owner

Source: Fremont County records, as of August 12, 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
Mailing Address	560 OAK CREEK AVE, FLORENCE, CO 81226-9525
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2025	Deed of Trust, Mortgage · Line of Credit QUORUM FEDERAL CU
Jun 1, 2021	Warranty Deed, Transfer · VA Mortgage BROKER SOLUTIONS INC
Nov 13, 2017	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FREMONT CO
Property Address	560 OAK ST, FLORENCE, CO 81226
Transaction Type	Mortgage
Record Updated	Nov 14, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	560 OAK CREEK AVE, FLORENCE, CO 81226-9525

Mortgage

Document Number	0001050228
Date	Oct 29, 2025
Instrument	1050228

Lender

Name	QUORUM FEDERAL CU
Type	Credit Union
Address	PURCHASE, NY 10577

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREMONT CO
Recording Date	Jun 1, 2021
Property Address	560 OAK ST, FLORENCE, CO 81226
Document Number	0001001839
Instrument Date	May 28, 2021
Instrument	1001839
Transaction Type	Transfer
Record Updated	May 22, 2023
Title Company	EMPIRE TITLE COLORADO SPRING

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$20.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	560 OAK CREEK AVE, ROCKVALE, CO 81244-5035

Mortgage

Document Number	0001001840
Date	Jun 1, 2021
Instrument	1001840

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FREMONT CO
Recording Date	Nov 13, 2017
Property Address	560 OAK ST, FLORENCE, CO 81226
Document Number	0000956102
Instrument Date	Nov 9, 2017
Instrument	956102
Transaction Type	Transfer
Record Updated	Jul 26, 2022
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$21.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	560 OAK CREEK AVE, ROCKVALE, CO 81244-5035

Mortgage

Document Number	0000956104
Date	Nov 13, 2017
Instrument	956104

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

Source: Fremont County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Fremont County
Municipality	Rockvale Town
Unified School District	Fremont RE-2 (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$960.00 (+58.42%)	$19,420 (+1.33%)	$310,715 (+8.62%)
2024	$606.00 (-43.21%)	$19,165 (+26.54%)
2023	$1,067.00 (-9.04%)	$15,146 (-8.16%)	$286,049 (+20.54%)
2022	$1,173.00	$16,492	$237,297

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 October 23, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 26 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	26 in force
Nearby Flood Claims	2 (2015–2025)
Most Recent Claim	May 2025 · rainfall accumulation

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	Moderate above 67% of the US · above 60% of Colorado
Wildfire Likelihood	0.2% 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 ROCKVALE serves 504 people · EPA ID CO0122800
Water Source	Purchased surface water from CITY OF FLORENCE
Last State Inspection	Feb 2025
Lead	1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead public education Dec 2015
Monitoring and Reporting	9 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 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: CenturyLink, SECOM.

Cell Coverage

5G (outdoors only) and 4G LTE

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