277 Ridge Rd, Durango, CO 81303 Property Records

La Plata County property record for 277 Ridge Rd, Durango, CO 81303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 4,714 sqft · built 2007
Lot Size	3.5 acres (152,460 sqft)
Owner	2 Individual Names on Record
Last Sale	$745,000 (Dec 2020)
Tax Bill	$4,222 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jun 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`5661-273-05-110`

Property Details

APN / Parcel Number

Primary APN	`5661-273-05-110`
Alternative APN	`R003737`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,714 sqft Living Area
Gross Area	5,289 sqft
Basement Area	899 sqft
Finished Basement	899 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Lot Area	152,460 sqft
Garage Type	Attached
Garage Area	575 sqft
Porch	Unfinished Open Porch
Porch Area	32 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	R003737
Street Address	277 RIDGE RD
City	DURANGO
State	CO
Zip	81303-7624
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION: RAFTER J OPEN A BLOCK: 0 LOT: 66-B CAT 1 PROJ 84-270,RESUB TR 66, RAFTER J 277 RIDGE RD DURANGO 81303
Legal Subdivision	RAFTER J OPEN A
Legal Tract	66
Legal Block	3
Legal Lot Number	66-B
Jurisdiction	LA PLATA CO
Township / Civil Division	DURANGO
Census Block Group	3
Census Block	3000
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	2 Individual Names on Record
Mailing Address	277 RIDGE RD, DURANGO, CO 81303-7624
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2026	Deed of Trust, Mortgage · Line of Credit CENTRAL TRUST BANK
Jun 8, 2022	Deed of Trust, Mortgage · Commercial Mortgage BANK OF COLORADO
Dec 18, 2020	Deed, Transfer · VA Mortgage BANK OF COLORADO
Apr 6, 2018	Warranty Deed, Transfer QUICKEN LNS
Apr 24, 2017	Warranty Deed, Transfer COLORADO TITLE AND CLOSING SERVICES, COLORADO TITLE & CLOSING SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2020 · Amount on Record
Deed Sale	Dec 18, 2020 · Amount on Record
Prior Sale	Apr 6, 2018 · Amount on Record
Deed Document Number	20201183620
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Recording Date	Jun 9, 2026
Property Address	277 RIDGE RD, DURANGO, CO 81303-7624
Document Number	0001254990
Instrument Date	Jun 4, 2026
Instrument	20261254990
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	277 RIDGE RD, DURANGO, CO 81303-7624

Mortgage

Document Number	0001254990,
Date	Jun 9, 2026
Instrument	20261254990

Lender

Name	CENTRAL TRUST BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 9, 2046

Interest

Rate	6.37%
Max Rate	-1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	277 RIDGE RD, DURANGO, CO 81303-7624
Transaction Type	Mortgage
Record Updated	Jun 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	277 RIDGE RD, DURANGO, CO 81303-7624

Mortgage

Document Number	0001211363
Date	Jun 8, 2022
Instrument	1211363

Lender

Name	BANK OF COLORADO
Type	Bank
Address	DURANGO, CO 81301

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	LA PLATA CO
Recording Date	Dec 18, 2020
Property Address	277 RIDGE RD, DURANGO, CO 81303-7624
Document Number	0001183620
Map Reference	DOC 511001
Instrument Date	Dec 16, 2020
Instrument	1183620
Transaction Type	Transfer
Record Updated	Mar 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$74.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	277 RIDGE RD, DURANGO, CO 81303-7624

Mortgage

Document Number	0001183621
Date	Dec 18, 2020
Instrument	1183621

Lender

Name	BANK OF COLORADO
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA PLATA CO
Recording Date	Apr 6, 2018
Property Address	277 RIDGE RD, DURANGO, CO 81303-7624
Document Number	0001141549
Instrument Date	Apr 3, 2018
Instrument	1141549
Transaction Type	Transfer
Record Updated	Apr 20, 2018
Title Company	COLORADO TITLE AND CLOSING SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$71.00
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	277 RIDGE RD DURANGO CO 813037624, DURANGO, CO 81303-7624

Mortgage

Document Number	1141550
Date	Apr 6, 2018
Instrument	1141550

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 5, 2048

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA PLATA CO
Recording Date	Apr 24, 2017
Property Address	277 RIDGE RD, DURANGO, CO 81303-7624
Document Number	0001127165
Instrument Date	Apr 21, 2017
Instrument	1127165
Transaction Type	Transfer
Record Updated	May 12, 2017
Title Company	COLORADO TITLE AND CLOSING SERVICES, COLORADO TITLE & CLOSING SVCS

Transaction

Amount	Amount Recorded
Tax	$64.00
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	2305 NORTHSHORE RD BELLINGHAM WA 982267824, BELLINGHAM, WA 98226-7824

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		$78,970 (+2.63%) Land $16,170 Building $62,800	$1,231,270 (-) Land $252,060 Building $979,210
2025	$4,222.00 (+33.48%)	$76,950 (+19.27%) Land $15,750 Building $61,200	$1,231,270 (+27.85%) Land $252,060 Building $979,210
2024	$3,163.00 (+16.8%)
2023	$2,708.00 (+18.77%)	$64,520 (+20.13%) Land $12,950 Building $51,570	$963,060 (+24.62%) Land $193,340 Building $769,720
2022	$2,280.00	$53,710 Land $10,890 Building $42,820	$772,780 Land $156,690 Building $616,090

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	Very High above 90% of the US · above 94% of Colorado
Wildfire Likelihood	0.6% annual chance
Exposure	Direct burnable vegetation

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

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 34 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
CenturyLink DSL	40 / 3

May also be available: AlignTec.

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