2028 Co Rd 245, Durango, CO 81301 Property Records

La Plata County property record for 2028 Co Rd 245, Durango, CO 81301

Property Summary

Property Type	Single Family Home
Details	6 bd · 5 ba · 4,050 sqft · built 1980
Lot Size	26.2 acres (1,145,192 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,019 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5675-061-00-801`

Property Details

APN / Parcel Number

Primary APN	`5675-061-00-801`
Alternative APN	`R024544`

Interior

Bedrooms	6 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	4,050 sqft Living Area
1st Floor Area	1,157 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Rustic
Lot Area	1,145,192 sqft
Garage Type	Detached
Garage Area	648 sqft

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	847 sqft
Deck Area	Deck Area
Patio Area	608 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Account Number	R024544
Street Address	2028 COUNTY ROAD 245
City	DURANGO
State	CO
Zip	81301-8358
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION: SWEETWATER SPRINGS R LOT: 13 PT LOT 13 SWEET WATER SPG RANCH PARCEL IN 2 TAX DISTS SEE ALSO R124544 2028 CR 245 2030 CR 245 2030 CR 245 DURANGO 81301
Legal Subdivision	SWEETWATER SPRINGS R
Legal Block	1
Legal Lot Number	13
Jurisdiction	LA PLATA CO
Township / Civil Division	BAYFIELD
Census Block Group	1
Census Block	1031
Census Tract	970601

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	2 Individual Names on Record
Mailing Address	2028 COUNTY ROAD 245, DURANGO, CO 81301-8358
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD
Jul 29, 2019	Deed of Trust, Mortgage BANK OF CO
Aug 1, 2018	Warranty Deed, Construction Loan · Line of Credit BANK OF CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	2028 COUNTY ROAD 245, DURANGO, CO 81301-8358
Transaction Type	Mortgage
Record Updated	May 14, 2021
Title Company	T TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001191377
Date	Apr 28, 2021
Instrument	1191377

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company
Address	DALLAS, TX 75243

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	2028 COUNTY ROAD 245, DURANGO, CO 81301-8358
Document Number	0001159774
Instrument Date	Jul 29, 2019
Transaction Type	Mortgage
Record Updated	Aug 14, 2019
Title Company	LAND TITLE GUARANTEE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2028 COUNTY ROAD 245 DURANGO CO 813018358, DURANGO, CO 81301-8358

Mortgage

Document Number	0001159774
Date	Aug 2, 2019
Instrument	1159774

Lender

Name	BANK OF CO
Type	Bank
Address	JOHNSTOWN, CO 80534

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

August 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	LA PLATA CO
Recording Date	Aug 1, 2018
Property Address	2028 COUNTY ROAD 245, DURANGO, CO 81301-8358
Document Number	0001146207
Instrument Date	Jul 31, 2018
Instrument	1146207
Transaction Type	Construction Loan
Record Updated	Aug 15, 2018
Title Company	LAND TITLE GUARANTEE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$122.50
Amount Accuracy	Confirmed
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	2028 COUNTY ROAD 245 DURANGO CO 813018358, DURANGO, CO 81301-8358

Mortgage

Document Number	1146208
Date	Aug 1, 2018
Instrument	1146208

Lender

Name	BANK OF CO
Type	Bank
Address	PO BOX N, DURANGO, CO 81302-2950

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jul 31, 2019

Interest

Rate Type	Adjustable Rate

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	Bayfield School District 10 JT-R (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$96,040 (+3.66%) Land $15,060 Building $80,980	$1,482,450 (-) Land $232,500 Building $1,249,950
2025	$6,019.00 (+24.26%)	$92,650 (+8.46%) Land $14,530 Building $78,120	$1,482,450 (+16.29%) Land $232,500 Building $1,249,950
2023	$4,844.00 (+17.57%)	$85,420 (+23.51%) Land $12,320 Building $73,100	$1,274,810 (+28.11%) Land $183,810 Building $1,091,000
2022	$4,120.00	$69,160 Land $11,860 Building $57,300	$995,100 Land $170,630 Building $824,470

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	9 in force
Nearby Flood Claims	1 (2019)
Most Recent Claim	Jun 2019 · 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 89% of the US · above 93% of Colorado
Wildfire Likelihood	0.7% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Visionary Broadband Fixed Wireless	100 / 20
CenturyLink DSL	40 / 3

May also be available: AlignTec.

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