La Plata County property record for 1045 Waterfall Ln, Durango, CO 81301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,953 sqft · built 2003 |
| Lot Size | 0.295 acres (12,850 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $380,000 (Feb 2006) |
| Tax Bill | $2,952 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 5597-284-02-028 |
| Primary APN | 5597-284-02-028 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,953 sqft Living Area |
| Gross Area | 2,432 sqft |
| 1st Floor Area | 1,953 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Conventional |
| Lot Area | 12,850 sqft (0.295 acres) |
| Garage Type | Attached |
| Garage Area | 479 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 224 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | R417595 |
|---|---|
| Street Address | 1045 WATERFALL LN |
| City | DURANGO |
| State | CO |
| Zip | 81301-3741 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISION: WATERFALL VILLAGE P1 BLOCK: 0 LOT: 28 WATERFALL VILLAGE PUD PHASE, III - PROJ 93-242 1045 WATERFALL LN DURANGO 81301 |
| Legal Subdivision | WATERFALL VILLAGE P1 |
| Legal Block | 3 |
| Legal Lot Number | 28 |
| Jurisdiction | LA PLATA CO |
| Township / Civil Division | DURANGO |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 970703 |
Source: La Plata County records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1045 WATERFALL LN, DURANGO, CO 81301-3741 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 28, 2006 · Amount on Record |
| Deed Sale | Feb 28, 2006 · Amount on Record |
| Prior Sale | Dec 24, 1997 · Amount on Record |
| Deed Document Number | 2006928813 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LA PLATA CO |
| Property Address | 1045 WATERFALL LN, DURANGO, CO 81301-3741 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | DURANGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0001181621 |
|---|---|
| Date | Nov 16, 2020 |
| Instrument | 1181621 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
Source: La Plata County assessment roll, as of July 20, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | La Plata County |
| Unified School District | Durango School District 9-R (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $52,450 (-0.25%) Land $13,900 Building $38,550 | $841,260 (-) Land $222,940 Building $618,320 | |
| 2025 | $2,952.00 (+29.25%) | $52,580 (+16.1%) Land $13,930 Building $38,650 | $841,260 (+24.45%) Land $222,940 Building $618,320 |
| 2024 | $2,284.00 (+16.29%) | ||
| 2023 | $1,964.00 (+24.94%) | $45,290 (+26.3%) Land $10,220 Building $35,070 | $676,000 (+31.01%) Land $152,530 Building $523,470 |
| 2022 | $1,572.00 | $35,860 Land $7,190 Building $28,670 | $515,980 Land $103,500 Building $412,480 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 21 policies |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 3 (1981–2014) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Dec 2014 · other causes |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 79% of the US · above 81% of Colorado |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF DURANGO serves 33,787 people · EPA ID CO0134150 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2025 |
| Lead | 3 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 61 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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