Fort Collins CO FSBO: Colorado SPD and Radon Disclosure Guide (2026)
Colorado's Seller Property Disclosure (SPD) applies to Fort Collins transactions. The Cameron Peak Fire (2020 — the largest fire in Colorado history), Cache la Poudre River flood history (1997 Spring Creek Flood), and Larimer County's elevated radon are the dominant local disclosure considerations alongside standard Colorado SPD requirements.
Colorado SPD Key Sections for Fort Collins
Wildfire/WUI: Fort Collins sits on the eastern edge of the Rocky Mountain foothills. The interface between the city's western edge and the mountain forests creates ongoing wildfire risk. Key fire events:
Disclose any wildfire damage during ownership. Properties in WUI zones west of Fort Collins should note their WUI status.
Radon: Northern Colorado is in an elevated radon zone. Fort Collins and Larimer County specifically have higher-than-average radon levels from the region's geology. The Colorado SPD asks about radon testing results.
What to disclose: any air radon testing; any mitigation system installed (disclose installation date and post-mitigation test results). Mitigation reduces radon to safe levels (typically under 2 pCi/L) in most Fort Collins homes.
Flooding: The Cache la Poudre River and Spring Creek have created significant flood events in Fort Collins history. The 1997 Spring Creek Flood was catastrophic — 5 deaths, 12 destroyed structures, $200M in damage along Spring Creek. FEMA flood maps show SFHAs along the Poudre River corridor and Spring Creek.
Check msc.fema.gov. If in a SFHA, disclose. If your property flooded in 1997 or any other event during ownership, disclose.
CSU Student Housing Context
Fort Collins has a significant student rental market near CSU. If your property has been rented as student housing, disclose any rental-related conditions (deferred maintenance, utility wear, significant occupancy). Buyers may want to continue as rental property or convert to owner-occupied; both are valid buyer strategies. Be transparent about condition relative to any rental use.
Old Town Fort Collins — Historic Property Issues
Old Town has pre-1940 housing including Craftsman bungalows, Victorian homes, and early 20th century housing. Federal Lead-Based Paint Disclosure required for pre-1978 homes.
Cache la Poudre River and Water Rights
Some Fort Collins and Larimer County properties have irrigation water rights from the Cache la Poudre River or agricultural ditch systems. Water rights in Colorado are a separate legal property right and must be disclosed separately from the real property. If your property has water rights, engage a water rights attorney to properly address their transfer or retention.
Colorado No Transfer Tax
Colorado has no state real estate transfer tax. Sellers file the TD-1000 Real Property Transfer Declaration for statistical purposes but pay no state transfer tax.