868 Panorama Pl, Windsor, CO 80550 Property Records

Larimer County property record for 868 Panorama Pl, Windsor, CO 80550

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,798 sqft · built 1998
Lot Size	0.485 acres (21,127 sqft)
Owner	Individual Name on File
Last Sale	$292,810 (Aug 1998)
Tax Bill	$5,797 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit
APN	`86244-08-110`

Property Details

APN / Parcel Number

Primary APN	`86244-08-110`
Alternative APN	`R1546929`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,798 sqft Living Area
Gross Area	4,768 sqft
1st Floor Area	2,294 sqft
Upper Floors Area	336 sqft
Basement Area	1,728 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace
Fire Sprinklers	Fire Sprinklers

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	21,127 sqft (0.485 acres)
View / Lot	Greenbelt/Park
Garage Type	Attached
Garage Area	746 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	400 sqft
Patio Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	R1546929
Street Address	868 PANORAMA PL
City	WINDSOR
State	CO
Zip	80550-4626
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 110, RIVER WEST PUD, SUB, WIN
Legal Range	68W
Legal Township	6N
Legal Section	24
Legal Subdivision	RIVER WEST PUD
Legal Lot Number	110
Jurisdiction	LARIMER CO
Township / Civil Division	LOVELAND
Census Block Group	3
Census Block	3000
Census Tract	1714

Owner

868 Panorama Pl is owned and occupied by an individual who bought it in August 1998.

Source: Larimer County records, as of May 6, 2026

Owner of Record	Individual Name on File
Mailing Address	868 PANORAMA PL, WINDSOR, CO 80550-4626
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	Name on Deed
Last Sale	Aug 19, 1998 · Amount on File
Deed Sale	Aug 19, 1998 · Amount on File
Deed Document Number	199871164
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LARIMER CO
Property Address	868 PANORAMA PL, WINDSOR, CO 80550-4626
Transaction Type	Mortgage
Record Updated	Mar 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	868 PANORAMA PL, WINDSOR, CO 80550-4626

Mortgage

Document Number	0000011598
Date	Mar 16, 2026
Instrument	20260011598

Lender

Name	FIRST TECHNOLOGY FEDERAL CU
Type	Credit Union
Address	SAN JOSE, CA 95134

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 25, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 868 Panorama Pl was $5,797, up 2.7% from the year before.

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

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	$5,797.00 (+2.69%)	$51,869 Land $4,375 Building $47,494	$829,900 Land $70,000 Building $759,900
2024	$5,645.00 (+4.56%)
2023	$5,399.00 (+22.96%)	$56,059 (+35.84%) Land $4,690 Building $51,369	$836,700 (+40.91%) Land $70,000 Building $766,700
2022	$4,391.00	$41,269 Land $4,865 Building $36,404	$593,800 Land $70,000 Building $523,800

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's flood maps do not cover 868 Panorama Pl; 3 flood insurance policies are in force nearby.

Source: FEMA National Flood Hazard Layer, effective September 30, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not included in the FIRM
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 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 868 Panorama Pl is moderate, ranking above 44% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · lower than 73% of Colorado
Wildfire Likelihood	0.06% 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 193 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Vistabeam Fixed Wireless	500 / 80
Verizon Fixed Wireless	300 / 20
Rise Broadband Fixed Wireless	100 / 20