20 Ridge Rd, Durango, CO 81303 Property Records

La Plata County property record for 20 Ridge Rd, Durango, CO 81303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,584 sqft · built 2017
Lot Size	5.06 acres (220,719 sqft)
Owner	Company Name on Record
Last Sale	$154,000 (Jun 2017)
Tax Bill	$3,970 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Apr 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`5661-342-05-181`

Property Details

APN / Parcel Number

Primary APN	`5661-342-05-181`
Alternative APN	`R434386`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,584 sqft Living Area
1st Floor Area	1,792 sqft
Basement Area	1,792 sqft
Finished Basement	1,792 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Conventional
Lot Area	220,719 sqft
Garage Type	Detached
Garage Area	720 sqft
Porch	Porch
Porch Area	726 sqft
Patio Area	496 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	R434386
Street Address	20 RIDGE RD
City	DURANGO
State	CO
Zip	81303-6729
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION: RAFTER J OPEN A LOT: 77A PROJ 2012-0136 PER PLAT 1063171 20 RIDGE RD DURANGO 81303
Legal Subdivision	RAFTER J OPEN A
Legal Block	3
Legal Lot Number	77A
Jurisdiction	LA PLATA CO
Township / Civil Division	DURANGO
Census Block Group	3
Census Block	3001
Census Tract	970701

Owner

Source: La Plata County records, as of July 20, 2026

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

Owner of Record	Company Name on Record
Mailing Address	20 RIDGE RD, DURANGO, CO 81303-6729
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE LNC
Apr 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL TRUST BANK
Jan 23, 2019	Quit Claim Deed, Transfer Quitclaim
Jul 24, 2017	Deed of Trust, Mortgage · Conventional Mortgage SHANE SHUMWAY
Jun 22, 2017	Warranty Deed, Transfer COLORADO TITLE AND CLOSING SERVICES, COLORADO TITLE & CLOSING SVCS
Jun 22, 2017	Warranty Deed, Transfer COLORADO TITLE AND CLOSING SERVICES, COLORADO TITLE & CLOSING SVCS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 22, 2017 · Amount on Record
Deed Sale	Jun 22, 2017 · Amount on Record
Deed Document Number	20171129901
Last Transfer Date	Jan 18, 2019
Transfer Doc	0001152867
Record Updated	Sep 20, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	20 RIDGE RD, DURANGO, CO 81303-6729
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001137656
Date	Dec 26, 2017
Instrument	1137656

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE LNC
Type	Non-Lending Institution
Address	SALT LAKE CITY, UT 84116

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	20 RIDGE RD, DURANGO, CO 81303-6729
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	COLORADO TTL & CLOSING SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001170324
Date	Apr 20, 2020
Instrument	1170324

Lender

Name	CENTRAL TRUST BANK
Type	Bank
Address	COLORADO SPRINGS, CO 80918

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	LA PLATA CO
Recording Date	Jan 23, 2019
Property Address	20 RIDGE RD, DURANGO, CO 81303-6729
Document Number	0001152867
Instrument Date	Jan 18, 2019
Instrument	1152867
Transaction Type	Transfer
Record Updated	Jan 31, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	20 RIDGE RD DURANGO CO 813036729, DURANGO, CO 81303-6729

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	20 RIDGE RD, DURANGO, CO 81303-6729
Document Number	0001131193
Instrument Date	Jul 24, 2017
Transaction Type	Mortgage
Record Updated	Sep 19, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	273 COUNTY ROAD 510 DURANGO CO 813038170, DURANGO, CO 81303-8170

Mortgage

Document Number	0001131193
Date	Jul 24, 2017
Instrument	1131193

Lender

Name	SHANE SHUMWAY
Address	2949 N BLUE MOUNTAIN RD, BLANDING, UT 84511-2013

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA PLATA CO
Recording Date	Jun 22, 2017
Property Address	20 RIDGE RD, DURANGO, CO 81303-6729
Document Number	0001129901
Instrument Date	Jun 22, 2017
Instrument	1129901
Transaction Type	Transfer
Record Updated	Jun 30, 2017
Title Company	COLORADO TITLE AND CLOSING SERVICES, COLORADO TITLE & CLOSING SVCS

Transaction

Amount	Amount Recorded
Tax	$15.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	273 COUNTY ROAD 510 DURANGO CO 813038170, DURANGO, CO 81303-8170

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA PLATA CO
Recording Date	Jun 22, 2017
Property Address	20 RIDGE RD, DURANGO, CO 81303-6729
Document Number	0001129900
Instrument Date	Jun 19, 2017
Instrument	1129900
Transaction Type	Transfer
Record Updated	Jun 30, 2017
Title Company	COLORADO TITLE AND CLOSING SERVICES, COLORADO TITLE & CLOSING SVCS

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	100 RIDGE RD DURANGO CO 813037615, DURANGO, CO 81303-7615

Tax Assessment & Valuation

Source: La Plata County assessment roll, as of July 20, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	La Plata County
Unified School District	Durango School District 9-R (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$73,960 (+2.21%) Land $14,770 Building $59,190	$1,157,740 (-) Land $231,250 Building $926,490
2025	$3,970.00 (+56.42%)	$72,360 (+19.7%) Land $14,450 Building $57,910	$1,157,740 (+28.31%) Land $231,250 Building $926,490
2023	$2,538.00 (+18.43%)	$60,450 (+19.73%) Land $11,840 Building $48,610	$902,290 (+24.19%) Land $176,730 Building $725,560
2022	$2,143.00	$50,490 Land $9,990 Building $40,500	$726,550 Land $143,750 Building $582,800

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 April 25, 2024 · 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	3 in force
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2023 · other causes

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	High above 87% of the US · above 91% of Colorado
Wildfire Likelihood	0.6% 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	LAKE DURANGO WA private · serves 1,577 people · EPA ID CO0134530
Water Source	Surface water
Last State Inspection	May 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2018 Turbidity resolved · Oct 2018
Treatment and Procedure	No certified operator Jun 2022
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Visionary Broadband Fixed Wireless	100 / 20
AlignTec Fixed Wireless	50 / 25
CenturyLink DSL	40 / 3
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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