103 Elk Trail Rd, Durango, CO 81301 Property Records

La Plata County property record for 103 Elk Trail Rd, Durango, CO 81301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,400 sqft · built 1983
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Last Sale	$575,000 (Nov 2020)
Tax Bill	$3,507 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5665-042-00-055`

Property Details

APN / Parcel Number

Primary APN	`5665-042-00-055`
Alternative APN	`R012310`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,400 sqft Living Area
Gross Area	2,400 sqft
Basement Area	1,000 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Conventional
Lot Area	87,120 sqft
Patio Area	720 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Account Number	R012310
Street Address	103 ELK TRAIL RD
City	DURANGO
State	CO
Zip	81301-6952
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION: 4 TOWNSHIP: 35 RANGE: 9 S/2 NW/4 SW/4 OF LOT 3 103 ELK TRAIL RD DURANGO 81301
Legal Range	09
Legal Township	35
Legal Section	04
Legal Subdivision	DURANGO
Legal Block	1
Legal Lot Number	3
Jurisdiction	LA PLATA CO
Township / Civil Division	DURANGO
Census Block Group	1
Census Block	1015
Census Tract	970701

Owner

Source: La Plata County records, as of July 20, 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	2 Individual Names on File
Mailing Address	103 ELK TRAIL RD, DURANGO, CO 81301-6952
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2022	Deed of Trust, Mortgage · Line of Credit ZB NA
Nov 12, 2020	Special Warranty Deed, Transfer · Conventional Mortgage CENTRAL TRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2020 · Amount on File
Deed Sale	Nov 12, 2020 · Amount on File
Prior Sale	Mar 31, 2004 · Amount on File
Deed Document Number	20201181355
Prior Transfer Date	Oct 1, 2012
Prior Transfer Doc	0001053908
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	103 ELK TRAIL RD, DURANGO, CO 81301-6952
Transaction Type	Mortgage
Record Updated	Oct 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 ELK TRAIL RD, DURANGO, CO 81301-6952

Mortgage

Document Number	0001215930
Date	Oct 5, 2022
Instrument	1215930

Lender

Name	ZB NA
Type	Bank
Address	DURANGO, CO 81303

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Sep 16, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LA PLATA CO
Recording Date	Nov 12, 2020
Property Address	103 ELK TRAIL RD, DURANGO, CO 81301-6952
Document Number	0001181355
Instrument Date	Nov 2, 2020
Instrument	1181355
Transaction Type	Transfer
Record Updated	Mar 22, 2022
Title Company	FIRST AMERICAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$57.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	103 ELK TRAIL RD, 103, DURANGO, CO 81301-6952

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	103 ELK TRAIL RD, DURANGO, CO 81301-6952

Mortgage

Document Number	0001181356
Date	Nov 12, 2020
Instrument	1181356

Lender

Name	CENTRAL TRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

Source: La Plata County assessment roll, as of July 20, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	La Plata County
Unified School District	Durango School District 9-R (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$63,220 (+1.2%) Land $9,950 Building $53,270	$999,610 (-) Land $157,300 Building $842,310
2025	$3,507.00 (+104.49%)	$62,470 (+57.95%) Land $9,830 Building $52,640	$999,610 (+69.37%) Land $157,300 Building $842,310
2023	$1,715.00 (+22.85%)	$39,550 (+24.21%) Land $8,450 Building $31,100	$590,190 (+28.81%) Land $126,050 Building $464,140
2022	$1,396.00	$31,840 Land $7,770 Building $24,070	$458,200 Land $111,800 Building $346,400

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.

Flood

Source: FEMA National Flood Hazard Layer, effective April 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	5 (1980–2014)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Sep 2014

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 89% of the US · above 93% of Colorado
Wildfire Likelihood	0.6% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AlignTec Fixed Wireless	50 / 25

May also be available: FastTrack Communications, Spectrum, Verizon, Visionary Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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