292 Panorama, Durango, CO 81303 Property Records

La Plata County property record for 292 Panorama, Durango, CO 81303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,027 sqft · built 2005
Lot Size	9.1 acres (396,396 sqft)
Owner	2 Individual Names on File
Last Sale	$140,000 (Sep 2003)
Tax Bill	$2,519 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Feb 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`5661-271-05-016`

Property Details

APN / Parcel Number

Primary APN	`5661-271-05-016`
Alternative APN	`R010079`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,027 sqft Living Area
Gross Area	2,561 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Lot Area	396,396 sqft
Garage Type	Attached
Garage Area	534 sqft
Porch	Unfinished Open Porch
Porch Area	348 sqft

Utilities, Heating & Cooling

Heating System	Radiant

Location & Zoning

Account Number	R010079
Street Address	292 PANORAMA
City	DURANGO
State	CO
Zip	81303-6467
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION: RAFTER J OPEN A BLOCK: 0 LOT: I RESUB TRS 55-56, RAFTER J 292 PANORAMA DR DURANGO 81303
Legal Subdivision	RAFTER J OPEN A
Legal Tract	55 thru 56
Legal Block	3
Legal Lot Number	I
Jurisdiction	LA PLATA CO
Township / Civil Division	DURANGO
Census Block Group	3
Census Block	3000
Census Tract	970701

Owner

Source: La Plata County assessment roll, 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 File
Mailing Address	292 PANORAMA, DURANGO, CO 81303-6467
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF THE SAN JUANS
Feb 17, 2017	Deed of Trust, Mortgage BANK OF THE SAN JUANS
May 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE SAN JUANS
Sep 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF SAN JUANS DIV GLACIER

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 18, 2003 · Amount on Record
Deed Sale	Sep 18, 2003 · Amount on Record
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	292 PANORAMA, DURANGO, CO 81303-6467
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	292 PANORAMA, DURANGO, CO 81303-6467

Mortgage

Document Number	0001213945
Date	Aug 12, 2022
Instrument	1213945

Lender

Name	BANK OF THE SAN JUANS
Type	Bank
Address	DURANGO, CO 81301

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	292 PANORAMA, DURANGO, CO 81303-6467
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001124764
Date	Feb 17, 2017
Instrument	1124764

Lender

Name	BANK OF THE SAN JUANS
Type	Bank
Address	DURANGO, CO 81301

Agreement

Amount	Amount Recorded

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	292 PANORAMA, DURANGO, CO 81303-6467
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAND TITLE GUARANTEE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001156900
Date	May 28, 2019
Instrument	1156900

Lender

Name	BANK OF THE SAN JUANS
Type	Bank
Address	GRAND JUNCTION, CO 81507

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	292 PANORAMA, DURANGO, CO 81303-6467
Document Number	0001177492
Instrument Date	Sep 4, 2020
Transaction Type	Mortgage
Record Updated	Sep 23, 2020
Title Company	LAND TITLE GUARANTEE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	292 PANORAMA DURANGO CO 813036467, DURANGO, CO 81303-6467

Mortgage

Document Number	0001177492
Date	Sep 14, 2020
Instrument	1177492

Lender

Name	BANK OF SAN JUANS DIV GLACIER
Address	GRAND JUNCTION, CO 81507

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 13, 2050

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		$45,200 (-1.57%) Land $9,670 Building $35,530	$734,710 (-) Land $157,250 Building $577,460
2025	$2,519.00 (+43.37%)	$45,920 (+9.73%) Land $9,830 Building $36,090	$734,710 (+17.61%) Land $157,250 Building $577,460
2023	$1,757.00 (+15.52%)	$41,850 (+16.74%) Land $7,850 Building $34,000	$624,690 (+21.1%) Land $117,180 Building $507,510
2022	$1,521.00	$35,850 Land $6,790 Building $29,060	$515,860 Land $97,750 Building $418,110

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 89% of the US · above 93% of Colorado
Wildfire Likelihood	0.7% annual chance
Exposure	Direct burnable vegetation at the parcel

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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Visionary Communications Fixed Wireless	100 / 20
AlignTec Fixed Wireless	50 / 25

May also be available: AT&T, Lumen Technologies, T-Mobile USA, Verizon.

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