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i cannot help you on Fort Collins but we moved to Louisville this year. It is an awesome place, there are really no bad neighborhoods. Elementary schools in Louisville, there are 3; Louisville-mostly downtown kids; Coal Creek (ithink that is name)- newer homes; Fireside-area where we live, similar to Coal creek. Also, some folks who live in Louisville go to Monarch schools (Monarch k-8 serves part of Louisville and Superior, Monarch HS serves same area. parts of northern Lousiville go to Cenaurus HS, this school is much lower rated fyi than Monarch HS.
To tell you a story about Lousiville safety; we arrived at our new house around midnight, dead tired. Forgot to lock rental truck with my laptop and wallet in cab of truck, of course it was fine next day.
louisville is very safe, very family oriented, not in any stretch a party town. There is some petty crime and some drugs, but there is EVERYWHERE. Very short drive to Denver, Boulder, mountains.
About housing: there really is no land for new houses...there is tons of parks and open space areas, this area is not going to be developed, that said, the majority of houses are 70's-80's, 90's houses, with some areas of downtown being 100 yrs old. If you want newer homes, Superior, Co borders Louisville on South, and shares Monarch HS and also has there own K-8 school Superior is also a very attractive town that has mainly been "built up" last 15 yrs or so. One bad thing about Superior is lots of the homes have foundation problems due to soil.
Good luck.
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