Mesa County property record for 2486 E Harbor Cir, Grand Junction, CO 81505
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,452 sqft · built 1995 |
| Lot Size | 0.117 acres (5,099 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $179,900 (Dec 2004) |
| Tax Bill | $1,251 (2025) |
| Deeds & Mortgages | Mar 2022 Reverse Mortgage Nov 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2701-334-21-001 |
| Primary APN | 2701-334-21-001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,452 sqft Living Area |
| Gross Area | 1,872 sqft |
| 1st Floor Area | 1,452 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,099 sqft (0.117 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
| Porch | Slab |
| Porch Area | 327 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | R018349 |
|---|---|
| Street Address | 2486 E HARBOR CIR |
| City | GRAND JUNCTION |
| State | CO |
| Zip | 81505-9600 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | LOT A MINI COVE II SUB SEC 33 1N 1W & AN UNDIV INT IN OUTLOT A MINI COVE II SUB |
| Legal Range | 001 |
| Legal Township | 01N |
| Legal Section | 33 |
| Legal Subdivision | MINI COVE II SUB |
| Legal Block | 21 |
| Legal Lot Number | A |
| Jurisdiction | MESA CO |
| Township / Civil Division | GRAND JUNCTION |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 900 |
Source: Mesa County records, as of May 6, 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 | 2486 E HARBOR CIR, GRAND JUNCTION, CO 81505-9600 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 10, 2022 | Deed of Trust, Mortgage · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Nov 21, 2019 | Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS |
| Nov 21, 2019 | Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 2, 2004 · Amount on Record |
| Deed Sale | Dec 2, 2004 · Amount on Record |
| Prior Sale | Oct 4, 2004 · Amount on Record |
| Deed Document Number | 20042226914 |
| Deed Book / Page | 3790 / 783 |
| Prior Transfer Date | Nov 4, 2004 |
| Prior Transfer Doc | 0002223892 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MESA CO |
| Property Address | 2486 E HARBOR CIR, GRAND JUNCTION, CO 81505-9600 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2486 E HARBOR CIR, GRAND JUNCTION, CO 81505-9600 |
| Document Number | 0003022977 |
|---|---|
| Date | Mar 10, 2022 |
| Instrument | 3022977 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 917 Months |
| Due | Aug 16, 2098 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.99% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Apr 1, 2022 |
| Change Frequency | Annually |
| Index | 1-Year LIBOR |
| Max Rate | 7.99% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MESA CO |
| Property Address | 2486 E HARBOR CIR, GRAND JUNCTION, CO 81505-9600 |
| Document Number | 0002905672 |
| Instrument Date | Nov 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 20, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2486 E HARBOR CIR GRAND JUNCTION CO 815059600, GRAND JUNCTION, CO 81505-9600 |
| Document Number | 0002905672 |
|---|---|
| Date | Dec 9, 2019 |
| Instrument | 2905672 |
| Name | AMERICAN ADVISORS |
|---|---|
| Address | ORANGE, CA 92868 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 948 Months |
| Due | Dec 8, 2098 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.13% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MESA CO |
| Property Address | 2486 E HARBOR CIR, GRAND JUNCTION, CO 81505-9600 |
| Document Number | 0002905673 |
| Instrument Date | Nov 21, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2486 E HARBOR CIR GRAND JUNCTION CO 815059600, GRAND JUNCTION, CO 81505-9600 |
| Document Number | 0002905673 |
|---|---|
| Date | Dec 9, 2019 |
| Instrument | 2905673 |
| Name | COMMISSIONER/HSNG & URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 948 Months |
| Due | Dec 8, 2098 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.13% |
Source: Mesa County assessment roll, as of April 8, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Mesa County |
| Municipality | Grand Junction City |
| Unified School District | Mesa County Valley School District 51 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,251.00 (+25.98%) | $23,530 (+13.84%) Land $6,130 Building $17,400 | $376,330 (+21.99%) Land $98,000 Building $278,330 |
| 2024 | $993.00 (+0.61%) | $20,670 (-) Land $5,400 Building $15,270 | |
| 2023 | $987.00 (+35.95%) | $20,670 (+21.37%) Land $5,400 Building $15,270 | $308,490 (+25.87%) Land $80,630 Building $227,860 |
| 2022 | $726.00 | $17,030 Land $5,210 Building $11,820 | |
| 2021 | $245,080 Land $75,000 Building $170,080 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 4 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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 417 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 |
| Clearnetworx Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| CenturyLink DSL · Fiber in parts of the area | 100 / 100 |
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