1690 Ruby Lee Dr, Fruita, CO 81521 Property Records

Mesa County property record for 1690 Ruby Lee Dr, Fruita, CO 81521

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,215 sqft · built 1976
Lot Size	0.795 acres (34,645 sqft)
Owner	2 Trust Names on Record
Last Sale	$220,500 (May 2014)
Tax Bill	$2,905 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Mar 2020 Line of Credit + 3 more
Flood Zone	Zone X (moderate risk)
APN	`2697-181-01-004`

Property Details

APN / Parcel Number

Primary APN	`2697-181-01-004`
Alternative APN	`R013030`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,215 sqft Living Area
Gross Area	3,871 sqft
1st Floor Area	2,215 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1981
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	34,645 sqft (0.795 acres)
Lot Dimensions	205 ft deep x 169 ft wide
Garage Type	Attached
Garage Area	1,656 sqft
Porch	Slab
Porch Area	20 sqft
Patio Area	825 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	R013030
Street Address	1690 RUBY LEE DR
City	FRUITA
State	CO
Zip	81521-2003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 BLK 1 DOWNER SUB FIL NO 2 SEC 18 1N 2W
Legal Range	002
Legal Township	01N
Legal Section	18
Legal Subdivision	DOWNER SUB
Legal Block	1
Legal Lot Number	4
Jurisdiction	MESA CO
Township / Civil Division	FRUITA
Census Block Group	3
Census Block	3006
Census Tract	1504

Owner

Source: Mesa County records, as of June 24, 2026

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

Owner of Record	2 Trust Names on Record
Mailing Address	1590 RUBY LEE DR, FRUITA, CO 81521
Owner Type	Individual
Vesting	Trust, Irrevocable Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2026	Deed of Trust, Mortgage · Line of Credit BELLCO CREDIT UNION
Mar 26, 2020	Deed of Trust, Mortgage · Line of Credit STATE CHARTERED CU
Nov 22, 2019	Deed of Trust, Mortgage · Conventional with PMI BAY EQUITY
Nov 14, 2018	Deed of Trust, Mortgage · Line of Credit BELLCO CU
Sep 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2014 · Amount on Record
Deed Sale	May 22, 2014 · Amount on Record
Deed Document Number	20142690569
Deed Book / Page	5602 / 698
Prior Transfer Date	Jul 30, 2012
Prior Transfer Doc	0002620221
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MESA CO
Recording Date	Jun 12, 2026
Property Address	1690 RUBY LEE DR, FRUITA, CO 81521-2003
Document Number	0003161747
Instrument Date	Jun 5, 2026
Instrument	20263161747
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1690 RUBY LEE DR, FRUITA, CO 81521-2003

Mortgage

Document Number	0003161747,
Date	Jun 12, 2026
Instrument	20263161747

Lender

Name	BELLCO CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 28, 2046

Interest

Rate	6.37%
Max Rate	-1%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MESA CO
Property Address	1690 RUBY LEE DR, FRUITA, CO 81521-2003
Document Number	0002919927
Instrument Date	Mar 26, 2020
Transaction Type	Mortgage
Record Updated	Jun 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1690 RUBY LEE DR FRUITA CO 815212003, FRUITA, CO 81521-2003

Mortgage

Document Number	0002919927
Date	Apr 7, 2020
Instrument	2919927

Lender

Name	STATE CHARTERED CU
Type	Credit Union
Address	SUITE, CO 80111

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 6, 2040

Interest

Rate Type	Adjustable Rate

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MESA CO
Property Address	1690 RUBY LEE DR, FRUITA, CO 81521-2003
Document Number	0002904815
Instrument Date	Nov 22, 2019
Transaction Type	Mortgage
Record Updated	Dec 27, 2019
Title Company	HERITAGE TITLE COMPANY, HERITAGE TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1690 RUBY LEE DR FRUITA CO 815212003, FRUITA, CO 81521-2003

Mortgage

Document Number	0002904815
Date	Dec 2, 2019
Instrument	2904815

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MESA CO
Property Address	1690 RUBY LEE DR, FRUITA, CO 81521-2003
Document Number	0002862059
Instrument Date	Nov 14, 2018
Transaction Type	Mortgage
Record Updated	Dec 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1690 RUBY LEE DR FRUITA CO 815212003, FRUITA, CO 81521-2003

Mortgage

Document Number	0002862059
Date	Nov 20, 2018
Instrument	2862059

Lender

Name	BELLCO CU
Type	Credit Union
Address	GREENWOOD, CO 80111

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 19, 2038

Interest

Rate Type	Adjustable Rate

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MESA CO
Property Address	1690 RUBY LEE DR, FRUITA, CO 81521-2003
Document Number	0002856607
Instrument Date	Sep 24, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019
Title Company	HERITAGE TITLE COMPANY, HERITAGE TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1690 RUBY LEE DR FRUITA CO 815212003, FRUITA, CO 81521-2003

Mortgage

Document Number	0002856607
Date	Oct 2, 2018
Instrument	2856607

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

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	$2,905.00 (+3.86%)	$34,870 (+2.23%) Land $8,630 Building $26,240	$557,830 (+9.56%) Land $138,000 Building $419,830
2024	$2,797.00 (+0.54%)	$34,110 (-) Land $7,860 Building $26,250
2023	$2,782.00 (+12%)	$34,110 (+13.85%) Land $7,860 Building $26,250	$509,170 (+18.1%) Land $117,330 Building $391,840
2022	$2,484.00	$29,960 Land $5,560 Building $24,400
2021			$431,140 Land $80,000 Building $351,140

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 80% of the US · lower than 91% of Colorado
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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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