635 Stover St, Fort Collins, CO 80524 Property Records

Larimer County property record for 635 Stover St, Fort Collins, CO 80524

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 880 sqft · built 1950
Lot Size	0.212 acres (9,236 sqft)
Owner	Company Name on Record
Last Sale	$445,000 (Apr 2021)
Tax Bill	$3,333 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Mar 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`97131-10-027`

Property Details

APN / Parcel Number

Primary APN	`97131-10-027`
Alternative APN	`R0049476`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Units	2 Units
Stories	1 Story
Building Area	880 sqft Living Area
1st Floor Area	880 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2021
Architectural Style	Duplex Single
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	9,236 sqft (0.212 acres)
View / Lot	Alley

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	R0049476
Street Address	635 STOVER ST
City	FORT COLLINS
State	CO
Zip	80524-3124
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	NCM
Legal Description	BEG AT PT 125 FT N OF SE COR BLK 176, FTC, TH W 142.5 FT; TH N 5 FT; TH W 47.5 FT; TH N 45 FT; TH E 190 FT; TH S 50 FT TO BEG
Legal Range	69W
Legal Township	7N
Legal Section	13
Legal Subdivision	FTC BLK 176
Legal Block	176
Jurisdiction	LARIMER CO
Township / Civil Division	FORT COLLINS
Census Block Group	1
Census Block	1012
Census Tract	700

Owner

Source: Larimer County records, as of September 29, 2026

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

Owner of Record	Company Name on Record
Mailing Address	629 SMITH ST, FORT COLLINS, CO 80524-3120
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2026	Deed of Trust, Mortgage · Line of Credit COLLEGIATE PEAKS BANK
Mar 8, 2022	Quit Claim Deed, Transfer Quitclaim
Apr 1, 2021	Warranty Deed, Transfer · Conventional Mortgage KEY BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2021 · Amount on Record
Deed Sale	Apr 1, 2021 · Amount on Record
Prior Sale	Apr 12, 2010 · Amount on Record
Deed Document Number	202133209
Last Transfer Date	Jan 11, 2022
Transfer Doc	0000015409
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Recording Date	Sep 18, 2026
Property Address	635 STOVER ST, FORT COLLINS, CO 80524-3124
Document Number	0000047251
Instrument Date	Sep 3, 2026
Instrument	202647251
Transaction Type	Mortgage
Record Updated	Sep 29, 2026
Title Company	LAND TITLE GUARANTEE, LAND TITLE AND GUARANTEE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	0000047251,
Date	Sep 18, 2026
Instrument	202647251

Lender

Name	COLLEGIATE PEAKS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	24 Months
Due	Sep 3, 2028

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LARIMER CO
Recording Date	Mar 8, 2022
Property Address	635 STOVER ST, FORT COLLINS, CO 80524-3124
Document Number	0000015409
Instrument Date	Mar 8, 2022
Instrument	20220015409
Transaction Type	Transfer
Record Updated	Apr 18, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	629 SMITH ST, FORT COLLINS, CO 80524-3120

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LARIMER CO
Recording Date	Apr 1, 2021
Property Address	635 STOVER ST, FORT COLLINS, CO 80524-3124
Document Number	0000033209
Instrument Date	Mar 31, 2021
Instrument	20210033209
Transaction Type	Transfer
Record Updated	Apr 18, 2024
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$44.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	629 SMITH ST, FORT COLLINS, CO 80524-3120

Mortgage

Document Number	0000033210
Date	Apr 1, 2021
Instrument	20210033210

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

Source: Larimer County assessment roll, as of February 9, 2026

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	$3,333.00 (-4.44%)	$33,451 (-16.47%) Land $3,813 Building $29,638	$535,200 (-10.46%) Land $61,000 Building $474,200
2024	$3,488.00 (+5.09%)
2023	$3,319.00 (+23.98%)	$40,046 (+41.23%) Land $4,087 Building $35,959	$597,700 (+43.33%) Land $61,000 Building $536,700
2022	$2,677.00	$28,356 Land $4,148 Building $24,208	$417,000 Land $61,000 Building $356,000

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 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

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

Wildfire Risk	Low lower than 97% of the US · lower than 98.8% 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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