1920 Grace Ct, Fruita, CO 81521 Property Records

Mesa County property record for 1920 Grace Ct, Fruita, CO 81521

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,811 sqft · built 2023
Lot Size	1.01 acres (44,074 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Feb 2022)
Tax Bill	$4,072 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Jul 2023 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2697-153-13-005`

Property Details

APN / Parcel Number

Primary APN	`2697-153-13-005`
Alternative APN	`R103853`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,811 sqft Living Area
Gross Area	3,944 sqft
1st Floor Area	2,811 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Material	Metal
Lot Area	44,074 sqft (1.01 acres)
Garage Type	Attached
Garage Area	871 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	R103853
Street Address	1920 GRACE CT
City	FRUITA
State	CO
Zip	81521-9369
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 PALMER SUBDIVISION FILING ONE PER PLAT RN 3009235 RECD 11/23/2021 SECS 15 AND 22 1N 2W - 1.01AC MESA CO RECDS
Legal Subdivision	PALMER SUBDIVISION FILING ONE
Legal Lot Number	5
Jurisdiction	MESA CO
Township / Civil Division	FRUITA
Census Block Group	2
Census Block	2032
Census Tract	1502

Owner

1920 Grace Ct is owned by two individuals who bought it in February 2022.

Source: Mesa County records, as of April 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	159 PINYON DR, FRUITA, CO 81521-6409
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
Jan 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Jul 18, 2023	Deed of Trust, Mortgage · Construction Mortgage BANK OF COLORADO
Feb 24, 2022	Special Warranty Deed, Transfer · Conventional Mortgage NORTHPOINTE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 24, 2022 · Amount on File
Deed Sale	Feb 24, 2022 · Amount on File
Deed Document Number	20223021141
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MESA CO
Property Address	1920 GRACE CT, FRUITA, CO 81521-9369
Transaction Type	Mortgage
Record Updated	Jan 14, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1920 GRACE CT, FRUITA, CO 81521-9369

Mortgage

Document Number	0003147068
Date	Jan 5, 2026
Instrument	3147068

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2056

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MESA CO
Property Address	1920 GRACE CT, FRUITA, CO 81521-9369
Transaction Type	Mortgage
Record Updated	Apr 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	159 PINYON DR, FRUITA, CO 81521-6409

Mortgage

Document Number	0003069342
Date	Jul 18, 2023
Instrument	3069342

Lender

Name	BANK OF COLORADO
Type	Bank
Address	GRAND JUNCTION, CO 81505

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jul 14, 2054

Interest

Rate Type	Adjustable Rate

February 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MESA CO
Recording Date	Feb 24, 2022
Property Address	1920 GRACE CT, FRUITA, CO 81521-9369
Document Number	0003021141
Instrument Date	Feb 24, 2022
Instrument	3021141
Transaction Type	Transfer
Record Updated	Apr 22, 2024
Title Company	ABSTRACT AND TITLE COMPANY, ABSTRACT & TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	401 BROADWAY STE 100 # 100 PMB 93679 STE 100, 100#100STE, TACOMA, WA 98402-3900

Mortgage

Document Number	0003021142
Date	Feb 24, 2022
Instrument	3021142

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2023
Change Frequency	Monthly
Min Rate At Change	3.87%
Max Rate At Change	6.62%
Index	Other
Max Rate	9.62%

Tax Assessment & Valuation

The 2025 property tax bill for 1920 Grace Ct was $4,072, up 104.7% 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	$4,072.00 (+104.73%)	$55,650 (+100.98%) Land $9,690 Building $45,960	$890,300 Land $155,000 Building $735,300
2024	$1,989.00 (-12.34%)	$27,690 (-12.84%) Land $8,340 Building $19,350
2023	$2,269.00 (+4.61%)	$31,770 (+6.57%) Land $31,770	$413,310 Land $124,440 Building $288,870
2022	$2,169.00	$29,810 Land $29,810
2021			$102,790 Land $102,790

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

FEMA maps place 1920 Grace Ct 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 1920 Grace Ct is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 99.2% 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 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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