147 N Willow St, Fruita, CO 81521 Property Records

Mesa County property record for 147 N Willow St, Fruita, CO 81521

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,325 sqft · built 1993
Lot Size	0.281 acres (12,232 sqft)
Owner	Individual Name on Record
Last Sale	$187,900 (Jun 2017)
Tax Bill	$2,068 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2023 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2697-172-17-004`

Property Details

APN / Parcel Number

Primary APN	`2697-172-17-004`
Alternative APN	`R012182`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,325 sqft Living Area
1st Floor Area	1,325 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,232 sqft (0.281 acres)
Lot Dimensions	139 ft deep x 88 ft wide
Garage Area	300 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	R012182
Street Address	147 N WILLOW ST
City	FRUITA
State	CO
Zip	81521-2526
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3 BLK 8 TOWN OF FRUITA SEC 17 1N 2W U M
Legal Range	002
Legal Township	01N
Legal Section	17
Legal Subdivision	TOWN OF FRUITA
Legal Block	8
Legal Lot Number	3
Jurisdiction	MESA CO
Township / Civil Division	FRUITA
Census Block Group	3
Census Block	3042
Census Tract	1504

Owner

Source: Mesa County records, as of September 23, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	147 N WILLOW ST, FRUITA, CO 81521-2526
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Sep 22, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Oct 15, 2020	Deed of Trust, Mortgage · FHA Mortgage BAY EQUITY LLC
Jun 1, 2017	Warranty Deed, Transfer BAY EQUITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2017 · Amount on Record
Deed Sale	Jun 1, 2017 · Amount on Record
Prior Sale	Jul 20, 2011 · Amount on Record
Deed Document Number	20172801933
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MESA CO
Recording Date	Sep 15, 2026
Property Address	147 N WILLOW ST, FRUITA, CO 81521-2526
Document Number	0003170719
Instrument Date	Sep 9, 2026
Instrument	20263170719
Transaction Type	Mortgage
Record Updated	Sep 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	147 N WILLOW ST, FRUITA, CO 81521-2526

Mortgage

Document Number	0003170719,
Date	Sep 15, 2026
Instrument	20263170719

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MESA CO
Property Address	147 N WILLOW ST, FRUITA, CO 81521-2526
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	147 N WILLOW ST, FRUITA, CO 81521-2526

Mortgage

Document Number	0003074828
Date	Sep 22, 2023
Instrument	3074828

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2043

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MESA CO
Property Address	147 N WILLOW ST, FRUITA, CO 81521-2526
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAND TITLE GUARANTEE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002947573
Date	Oct 15, 2020
Instrument	2947573

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company
Address	CORTE MADERA, CA 94925

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MESA CO
Recording Date	Jun 1, 2017
Property Address	147 N WILLOW ST, FRUITA, CO 81521-2526
Document Number	0002801933
Instrument Date	May 30, 2017
Instrument	2801933
Transaction Type	Transfer
Record Updated	Jun 19, 2017
Title Company	LAND TITLE GUARANTEE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$18.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	147 N WILLOW ST FRUITA CO 815212526, FRUITA, CO 81521-2526

Mortgage

Document Number	2801934
Date	Jun 1, 2017
Instrument	2801934

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 31, 2047

Tax Assessment & Valuation

Source: Mesa County assessment roll, as of April 8, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Mesa County
Municipality	Fruita City
Unified School District	Mesa County Valley School District 51 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,068.00 (+29.9%)	$24,830 (+27.86%) Land $13,130 Building $11,700	$397,120 (+36.99%) Land $210,000 Building $187,120
2024	$1,592.00 (+0.51%)	$19,420 (-) Land $7,740 Building $11,680
2023	$1,584.00 (+17.42%)	$19,420 (+19.36%) Land $7,740 Building $11,680	$289,890 (+23.77%) Land $115,570 Building $174,320
2022	$1,349.00	$16,270 Land $4,340 Building $11,930
2021			$234,210 Land $62,500 Building $171,710

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 January 14, 2026 · 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
Nearby Flood Policies	2 in force

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	Low lower than 97% of the US · lower than 98.8% of Colorado
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	UTE WCD serves 92,580 people · EPA ID CO0139791
Water Source	Surface water
Last State Inspection	Nov 2023
Lead	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 282 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Clearnetworx Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: CenturyLink.

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