The story of this market
The typical home in ZIP 80545 sells for about $499,999, or $265 per square foot.
Prices are down 2.73% from a year ago, which gives buyers more room to negotiate. Homes take about 37 days to sell. HUD's fair market rent for a two-bedroom is $1,850 a month.
ZIP 80545 — Red Feather Lakes
The 80545 housing market is currently experiencing a cooling phase, characterized by low demand and rising inventory levels. Prices have begun to soften as the market shifts in favor of buyers, though the unique nature of mountain properties keeps price-per-square-foot metrics relatively stable. The market is largely driven by seasonal demand and the broader economic trends of the Fort Collins metropolitan area.
This ZIP is best suited for retirees, second-home buyers, and remote workers seeking a quiet, nature-oriented lifestyle away from the urban density of Fort Collins.
Median prices moved down 2.7% year over year.
Homes spend a median of 37 days on market with 6.2 months of supply — a fast-moving market.
15% of listings have cut prices · homes sell at 95.65% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.2% · poverty 6.8% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.4%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.0%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 80545, Larimer County CO
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Crime rates in the Red Feather Lakes area are generally low, consistent with its status as a remote, unincorporated mountain community.
The area is served by the Poudre School District, which maintains a generally positive reputation for academic performance in the broader Larimer County region.
The region faces significant wildfire risk due to its dense forest location and high elevation, necessitating careful insurance planning and adherence to fire-mitigation guidelines.
Economic momentum is driven primarily by tourism, outdoor recreation, and the proximity to the Fort Collins employment hub, with limited new large-scale commercial development.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Colorado) — Statutory Agricultural Land Reclassification and Improvement Valuation: Under C.R.S. § 39-1-102(1.6)(a)(I), up to two acres of land directly underlying a residential improvement on agricultural parcels are segregated and assessed at residential rates (6.80% / 7. State (Colorado) — Senior and Disabled Veteran Property Tax Homestead Exemption: Exempts 50% of the first $200,000 of actual market value of the qualifying primary residential parcel from property taxation (a maximum actual value deduction of $100,000). State (Colorado) — Colorado Split Residential Property Tax Assessment Rate Structure: Imposes annual ad valorem property taxes determined using a bifurcated assessment rate system. Assessed Value = Actual (Market) Value × Assessment Rate. Beginning for tax years 2025/2026, residential property is assessed at 6.
Commuting to the Fort Collins employment core typically requires a drive of 60 to 90 minutes via winding mountain roads, making it less suitable for daily commuters.
The area is a premier destination for outdoor enthusiasts, featuring numerous lakes for fishing, extensive hiking trails, and the Fox Acres golf course.
The rental market is characterized by a high share of seasonal and short-term vacation rentals, with limited long-term inventory available for year-round residents.
The local economy is heavily reliant on the tourism and recreation sectors, with most professional employment located in the nearby Fort Collins metropolitan area.
Public transit is non-existent in this remote mountain area; residents rely entirely on personal vehicles for transportation.
Development is strictly limited by geography and zoning, with no major commercial or infrastructure projects currently in the pipeline.
Larimer County Assessor manages property valuations, typically conducting reappraisals on a biennial cycle.
Parcels may be subject to various special districts, including local water and sanitation districts and fire protection districts.
Property insurance premiums are elevated due to the high wildfire risk profile of the mountain environment.
Net domestic migration to Colorado remains positive, though growth in remote mountain areas has stabilized compared to the post-2020 surge.
Colorado is a public trustee state, utilizing a non-judicial foreclosure process for deeds of trust.
Sellers are required to provide a standard Colorado Real Property Disclosure form, covering known material defects.
Data retrieved from data.census.gov for ZCTA 80545.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
- The Mishawaka4.618.3 mi
- Lady Moon Trailhead4.77.4 mi
- Mount Margaret Trailhead4.77.3 mi
- Lady Moon Trailhead4.77.4 mi
- Mount Margaret Trailhead4.77.3 mi
- The Golf Club At Fox Acres4.44.9 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
A private, scenic golf course and residential community.
A series of high-altitude lakes popular for fishing and boating.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.