Larimer County, Colorado

Tax Lien374,574 residents

County research last verified 2026-07. Office holders, platforms, and deposit rules change — re-confirm anything time-sensitive.

Sale typestate default

Tax Lien

Redemption periodstate default

3 years from sale

Investor returnstate default

9 points above federal discount rate, set annually; premium/bid-down format varies by county

Governing statutestate default

Colorado Revised Statutes Title 39, Art. 11

Notes

Colorado tax LIEN certificate sale (not a deed auction). Larimer County Treasurer holds annual in-person tax lien sale Nov 19, 2026 at The Ranch fairgrounds (Thomas McKee 4-H Building, Loveland): doors 7:30 a.m., premium bidding 8:30 a.m. Rotation seating-order bidding after premium lots. 2025 investor rate 14%; 2026 rate set Sept 1, 2026. HB24-1056: Treasurer’s Deed no longer automatic to lienholder — deed option sold at separate online public auction; lienholder may redeem auction price.

Auction logistics

Format

In-person (liens); online for Treasurer’s Deed auctions

Frequency

Annual lien sale mid-November (2026: Nov 19); Treasurer’s Deed auctions as applied for after 3+ years

Platform

Larimer County Treasurer — Tax Lien Sale ↗

Deposit rules

Day-of registration 7:30 a.m. with W-9 and statutory compliance declaration. Pay all purchases in full before leaving by personal/business check to Larimer County Treasurer (no cash/certified funds at lien sale). NSF = loss of liens + ban. Premium bids (e.g. $50 increments over tax amount on large accounts) earn no interest and are not refunded on redemption.

Title risk

Liens that survive the sale

Lien purchase does not clear title — owner may redeem certificate with interest. After Treasurer’s Deed process (post-HB24-1056 auction path), most private liens clear but federal/state liens can survive. FDIC/DEA/IRS control risks disclosed by Treasurer.

Quiet title

Treasurer’s deeds still often need quiet title or extended title review before insurance/resale; certificate phase is an investment instrument only.

Deal maths for Colorado

Assessment ratio: 0.0705× of market value
Typical quiet title: $1,800–$5,000 · 5 mo
Recording and transfer: $250

Colorado assesses residential property at two rates since SB24-233. For school district purposes the 2026 residential rate is 7.05% of actual value; for local government purposes 6.95% is applied to actual value less the lesser of 10% of actual value or $70,000 as adjusted for inflation, an effective rate near 6.26% below $700,000. Commercial and agricultural property is 25% for 2026, down from 27% in 2025. This entry uses the school rate, the higher of the two residential figures.

Offices and records

Tax collector

Larimer County Treasurer & Public Trustee ↗

970-498-7020

Clerk of court

Larimer County Clerk & Recorder (Easy Access records) ↗

Property appraiser

Larimer County Assessor ↗

GIS / parcel map

Larimer County Land Information Locator (GIS) ↗

Areas trending up

Directional read from dated market analysis — not a guarantee, and not a substitute for your own comps.

Fort Collins / Old Town–CSU edge

University and tech employment supporting tight rental/SF markets

Loveland / Centerra corridor

Retail and I-25 employment with multifamily absorption

Windsor / Timnath growth edge

Front Range spillover master-planned housing demand