108 N 15th St, Dolores, CO 81323 Property Records

Montezuma County property record for 108 N 15th St, Dolores, CO 81323

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,624 sqft · built 1991
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (Jan 2026)
Tax Bill	$1,715 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Jan 2026 Sale & Mortgage
Flood Zone	Zone AO (high risk)
APN	`R002983`

Property Details

APN / Parcel Number

Primary APN	`R002983`
Alternative APN	`535910405002`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,624 sqft Total Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	12,632 sqft (0.29 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal

Location & Zoning

Account Number	R002983
Street Address	108 N 15TH ST
City	DOLORES
State	CO
Zip	81323-5029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	NR-3
Legal Description	SUBDIVISION: TAYLOR-BRUMLEY LOT: 9-12 BLOCK: 39 B482 P989 B637 P906 B687 P111 R/460544
Legal Subdivision	TAYLOR-BRUMLEY
Legal Block	39
Legal Lot Number	9-12
Jurisdiction	MONTEZUMA CO
Township / Civil Division	DOLORES
Census Block Group	2
Census Block	2100
Census Tract	969000

Owner

108 N 15th St is owned and occupied by two individuals who bought it in January 2026.

Source: Montezuma County records, as of June 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	108 N 15TH ST, DOLORES, CO 81323-5029
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2019	Deed of Trust, Mortgage · Commercial Mortgage THE DOLORES STATE BANK
Jan 14, 2026	Special Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2026 · Amount on File
Deed Sale	Jan 14, 2026 · Amount on File
Prior Sale	Aug 2, 2001 · Amount on File
Deed Document Number	2026665265
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEZUMA CO
Property Address	108 N 15TH ST, DOLORES, CO 81323-5029
Transaction Type	Mortgage
Record Updated	Jan 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000624801
Date	Aug 28, 2019
Instrument	624801

Lender

Name	THE DOLORES STATE BANK
Type	Bank
Address	DOLORES, CO 81323

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 23, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTEZUMA CO
Recording Date	Jan 14, 2026
Property Address	108 N 15TH ST, DOLORES, CO 81323-5029
Document Number	0000665265
Map Reference	MB 7 PG 20
Instrument Date	Jan 14, 2026
Instrument	665265
Transaction Type	Transfer
Record Updated	Jan 22, 2026
Title Company	COLORADO TITLE AND CLOSING SERVICES, COLORADO TTL & CLOSING SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	0000665266
Date	Jan 14, 2026
Instrument	665266

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 108 N 15th St was $1,715, up 14.9% from the year before.

Source: Montezuma County assessment roll, as of March 24, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Montezuma County
Municipality	Dolores Town
Unified School District	Dolores School District RE-4A (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,715.00 (+14.87%)	$24,646 (+30.33%) Land $9,654 Building $14,992	$309,628 (+30.34%) Land $121,285 Building $188,343
2024	$1,493.00 (+21.38%)	$18,910 (-18.8%) Land $7,224 Building $11,686	$237,552 (-18.8%) Land $90,749 Building $146,803
2023	$1,230.00 (+24.37%)	$23,287 (+58.46%) Land $8,896 Building $14,391	$292,552 (+58.46%) Land $111,760 Building $180,792
2022	$989.00	$14,696 Land $3,872 Building $10,824	$184,618 Land $48,641 Building $135,977

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 108 N 15th St in Zone AO, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 26, 2008 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AO high risk · sheet flow 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 54 policies
Nearby Flood Policies	54 in force
Nearby Flood Claims	2 (2023)
Most Recent Claim	Mar 2023 · rainfall accumulation

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

Wildfire risk around 108 N 15th St is high, ranking above 72% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	High above 72% of the US · above 68% of Colorado
Wildfire Likelihood	0.2% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF DOLORES serves 1,626 people · EPA ID CO0142400
Water Source	Surface water
Last State Inspection	Mar 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Choice Broadband Fixed Wireless	400 / 80
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Farmers Telecommunications.

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