1909 J Rd, Fruita, CO 81521 Property Records

Mesa County property record for 1909 J Rd, Fruita, CO 81521

Property Summary

Property Type	Farm - Irrigated or Dry
Details	4 bd · 3.5 ba · 3,775 sqft · built 2020
Lot Size	2.01 acres (87,556 sqft)
Owner	2 Individual Names on File
Last Sale	$1,175,000 (Jul 2025)
Tax Bill	$2,202 (2025)
Deeds & Mortgages	May 2026 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2697-222-04-001`

Property Details

APN / Parcel Number

Primary APN	`2697-222-04-001`
Alternative APN	`R014143`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,775 sqft Gross Area
1st Floor Area	2,463 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	87,556 sqft (2.01 acres)
Garage Type	Attached
Garage Area	562 sqft
Porch	Finished Screened Porch
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	R014143
Street Address	1909 J RD
City	FRUITA
State	CO
Zip	81521-9393
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Farm - Irrigated or Dry
Legal Description	LOT 1 CANTERBURY ESTATES SEC 22 1N 2W - 2.01AC
Legal Range	002
Legal Township	01N
Legal Section	22
Legal Subdivision	CANTERBURY ESTATES
Legal Block	4
Legal Lot Number	1
Jurisdiction	MESA CO
Township / Civil Division	FRUITA
Census Block Group	2
Census Block	2033
Census Tract	1502

Owner

1909 J Rd, an agricultural property, is owned by two individuals who bought it in July 2025.

Source: Mesa County records, as of May 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1909 J RD, FRUITA, CO 81521-9393
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
May 6, 2026	Deed of Trust, Mortgage · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Mar 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY LLC
Jul 14, 2020	Deed of Trust, Mortgage · Construction Mortgage ALPINE BANK
Mar 1, 2019	Deed of Trust, Mortgage BAY EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2025 · Amount on File
Deed Sale	Jul 14, 2025 · Amount on File
Prior Sale	Apr 9, 2018 · Amount on File
Deed Document Number	20253131358
Prior Transfer Date	Apr 16, 2007
Prior Transfer Doc	0002377226
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MESA CO
Recording Date	May 6, 2026
Property Address	1909 J RD, FRUITA, CO 81521-9393
Document Number	0003158081
Instrument Date	May 1, 2026
Instrument	20263158081
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1909 J RD, FRUITA, CO 81521-9393

Mortgage

Document Number	0003158081,
Date	May 6, 2026
Instrument	20263158081

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MESA CO
Property Address	1909 J RD, FRUITA, CO 81521-9393
Transaction Type	Mortgage
Record Updated	Apr 8, 2021
Title Company	LAND TITLE GUARANTEE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002972581
Date	Mar 23, 2021
Instrument	2972581

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MESA CO
Property Address	1909 J RD, FRUITA, CO 81521-9393
Transaction Type	Mortgage
Record Updated	Mar 25, 2021
Title Company	LAND TITLE GUARANTEE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002932773
Date	Jul 14, 2020
Instrument	2932773

Lender

Name	ALPINE BANK
Type	Bank
Address	RIFLE, CO 81650

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MESA CO
Property Address	1909 J RD, FRUITA, CO 81521-9393
Document Number	0002872222
Instrument Date	Mar 1, 2019
Transaction Type	Mortgage
Record Updated	Mar 22, 2019
Title Company	HERITAGE TITLE COMPANY, HERITAGE TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1909 J RD FRUITA CO 81521, FRUITA, CO 81521

Mortgage

Document Number	0002872222
Date	Mar 8, 2019
Instrument	2872222

Lender

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

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 7, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1909 J Rd was $2,202, up 58.9% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,202.00 (+58.87%)	$30,310 (+56.24%) Land $580 Building $29,730	$477,780 Land $2,130 Building $475,650
2024	$1,386.00 (+0.65%)	$19,400 (-) Land $640 Building $18,760
2023	$1,377.00 (+19.32%)	$19,400 (+21.55%) Land $640 Building $18,760	$282,410 Land $2,430 Building $279,980
2022	$1,154.00	$15,960 Land $520 Building $15,440
2021			$224,140 Land $1,970 Building $222,170

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 1909 J Rd in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	9 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

Wildfire risk around 1909 J Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 98.1% of Colorado
Wildfire Likelihood	0.02% 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Clearnetworx.

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