Fremont County property record for 949 O St, Penrose, CO 81240
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,320 sqft · built 2010 |
| Lot Size | 2.83 acres (123,275 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,705 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Jan 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R029015 |
| Primary APN | R029015 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,320 sqft Living Area |
| 1st Floor Area | 1,320 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 123,275 sqft (2.83 acres) |
| Garage Area | 1,320 sqft |
| Parking Spaces | 10 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | R029015 |
|---|---|
| Street Address | 949 O ST |
| City | PENROSE |
| State | CO |
| Zip | 81240-9606 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 CHEROKEE SUB REF FROM 983-04-474 |
| Legal Subdivision | CHEROKEE SUB |
| Legal Block | 786 |
| Legal Lot Number | 4 |
| Jurisdiction | FREMONT CO |
| Township / Civil Division | PENROSE-PORTLAND |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 978100 |
949 O St is owned and occupied by an individual.
Source: Fremont County records, as of August 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 949 O ST, PENROSE, CO 81240-9606 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ENT CU |
| Jan 30, 2023 | Special Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP |
| Nov 6, 2019 | Deed of Trust, Mortgage · Line of Credit ENT CU |
| Aug 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FRONTIER BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREMONT CO |
| Property Address | 949 O ST, PENROSE, CO 81240-9606 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2023 |
| Title Company | HILLSBOROUGH TITLE INC, HTC |
| Name | Verified Name |
|---|---|
| Address | 949 O ST, PENROSE, CO 81240-9606 |
| Document Number | 0001008135 |
|---|---|
| Date | Oct 19, 2021 |
| Instrument | 1008135 |
| Name | ENT CU |
|---|---|
| Type | Credit Union |
| Address | COLORADO SPRINGS, CO 80921 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | FREMONT CO |
| Recording Date | Jan 30, 2023 |
| Property Address | 949 O ST, PENROSE, CO 81240-9606 |
| Document Number | 0001024075 |
| Instrument Date | Jan 27, 2023 |
| Instrument | 1024075 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2023 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $35.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 949 O ST, PENROSE, CO 81240-9606 |
| Document Number | 0001024076 |
|---|---|
| Date | Jan 30, 2023 |
| Instrument | 1024076 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Document Number | 0001024077 |
|---|---|
| Date | Jan 30, 2023 |
| Instrument | 1024077 |
| Name | COLORADO HOUSING & FINANCE AUTHORITY |
|---|---|
| Type | Government Agency |
| Address | DENVER, CO 80202 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREMONT CO |
| Property Address | 949 O ST, PENROSE, CO 81240-9606 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000979542 |
|---|---|
| Date | Nov 6, 2019 |
| Instrument | 979542 |
| Name | ENT CU |
|---|---|
| Type | Credit Union |
| Address | COLORADO SPRINGS, CO 80920 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 28, 2039 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FREMONT CO |
| Property Address | 949 O ST, PENROSE, CO 81240-9606 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000988852 |
|---|---|
| Date | Aug 4, 2020 |
| Instrument | 988852 |
| Name | FRONTIER BANK |
|---|---|
| Type | Bank |
| Address | PUEBLO, CO 81008 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2050 |
The 2025 property tax bill for 949 O St was $1,705, up 14.4% from the year before.
Source: Fremont County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Fremont County |
| Unified School District | Fremont RE-2 (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,705.00 (+14.43%) | $22,920 (-5.52%) | $366,718 |
| 2024 | $1,490.00 (+26.7%) | $24,259 (+49.36%) | |
| 2023 | $1,176.00 (+70.19%) | $16,242 (-1.19%) | $362,078 (+53.1%) |
| 2022 | $691.00 | $16,437 | $236,494 |
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.
FEMA maps place 949 O St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 23, 2022
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 949 O St is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · above 55% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | PENROSE WD serves 3,149 people · EPA ID CO0122700 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | Treatment failure resolved · Jul 2019 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| SECOM Fixed Wireless · Fiber in parts of the area | 300 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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