2966 Trace St, Grand Junction, CO 81504 Property Records

Mesa County property record for 2966 Trace St, Grand Junction, CO 81504

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.75 ba · 1,856 sqft · built 2021
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on Record
Last Sale	$467,000 (Nov 2023)
Tax Bill	$2,013 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Feb 2024 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`2943-174-58-035`

Property Details

APN / Parcel Number

Primary APN	`2943-174-58-035`
Alternative APN	`R103195`

Interior

Bedrooms	3 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,856 sqft Living Area
Gross Area	2,336 sqft
1st Floor Area	1,311 sqft
Flooring	Carpet

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Bi-Level
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Garage Type	Attached
Garage Area	480 sqft
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	R103195
Street Address	2966 TRACE ST
City	GRAND JUNCTION
State	CO
Zip	81504-8503
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 35 WEST BRANCH SUBDIVISION FILING FOUR LOCATED IN SEC 17 1S 1E UM RECD 5/11/2021 RN-2980540 MESA CO RECDS - 0.11AC
Legal Subdivision	WEST BRANCH SUBDIVISION FILING FOUR
Legal Lot Number	35
Jurisdiction	MESA CO
Township / Civil Division	GRAND JUNCTION
Census Block Group	1
Census Block	1034
Census Tract	801

Owner

Source: Mesa County records, as of August 18, 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	2966 TRACE ST, GRAND JUNCTION, CO 81504-8503
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2025	Deed of Trust, Mortgage · FHA Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Feb 5, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COLORADO HOUSING & FINANCE AUTHORITY
Nov 28, 2023	Special Warranty Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Sep 22, 2021	Deed of Trust, Mortgage DAVID W COURTNEY ETAL
Jun 8, 2022	Special Warranty Deed, Subdivision Related Transfer · ARM KEY BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 28, 2023 · Amount on Record
Deed Sale	Nov 28, 2023 · Amount on Record
Prior Sale	Jun 8, 2022 · Amount on Record
Deed Document Number	20233080057
Record Updated	Sep 20, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MESA CO
Property Address	2966 TRACE ST, GRAND JUNCTION, CO 81504-8503
Transaction Type	Mortgage
Record Updated	Oct 8, 2025
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2966 TRACE ST, GRAND JUNCTION, CO 81504-8503

Mortgage

Document Number	0003136065
Date	Sep 3, 2025
Instrument	3136065

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MESA CO
Property Address	2966 TRACE ST, GRAND JUNCTION, CO 81504-8503
Transaction Type	Mortgage
Record Updated	Feb 21, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003084757
Date	Feb 5, 2024
Instrument	3084757

Lender

Name	COLORADO HOUSING & FINANCE AUTHORITY
Type	Government Agency
Address	DENVER, CO 80202

Agreement

Type	Stand-Alone Second Mortgage

November 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MESA CO
Recording Date	Nov 28, 2023
Property Address	2966 TRACE ST, GRAND JUNCTION, CO 81504-8503
Document Number	0003080057
Instrument Date	Nov 27, 2023
Instrument	3080057
Transaction Type	Transfer
Record Updated	Dec 20, 2023
Title Company	ABSTRACT & TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$46.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2966 TRACE ST, GRAND JUNCTION, CO 81504-8503

Mortgage

Document Number	0003080058
Date	Nov 28, 2023
Instrument	3080058

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Mortgage

Document Number	0003080059
Date	Nov 28, 2023
Instrument	3080059

Lender

Name	COLORADO HOUSING & FINANCE AUTHORITY
Type	Government Agency
Address	DENVER, CO 80202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MESA CO
Property Address	2966 TRACE ST, GRAND JUNCTION, CO 81504-8503
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003000528
Date	Sep 22, 2021
Instrument	3000528

Lender

Name	DAVID W COURTNEY ETAL
Type	Private Party
Address	SUN CITY, AZ 85351

Agreement

Amount	Amount Recorded
Term	12 Months
Due	Sep 15, 2022

June 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	MESA CO
Recording Date	Jun 8, 2022
Property Address	2966 TRACE ST, GRAND JUNCTION, CO 81504-8503
Document Number	0003033958
Instrument Date	Jun 5, 2022
Instrument	3033958
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 23, 2022
Title Company	LAND TITLE GUARANTEE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$44.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	231 COLUMBUS CANYON RD, 231, GRAND JUNCTION, CO 81507-1193

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2966 TRACE ST, GRAND JUNCTION, CO 81504-8503

Mortgage

Document Number	0003033959
Date	Jun 8, 2022
Instrument	3033959

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2029
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	9.12%
Index	Other
Margin	3
Max Rate	9.12%

Tax Assessment & Valuation

Source: Mesa County assessment roll, as of April 8, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Mesa County
Municipality	Grand Junction City
Unified School District	Mesa County Valley School District 51 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,013.00 (+7.94%)	$27,800 (+6.03%) Land $4,190 Building $23,610	$444,680 (+13.6%) Land $67,000 Building $377,680
2024	$1,865.00 (+0.65%)	$26,220 (-) Land $3,640 Building $22,580
2023	$1,853.00 (+22.55%)	$26,220 (+24.98%) Land $3,640 Building $22,580	$391,430 (+29.68%) Land $54,360 Building $337,070
2022	$1,512.00	$20,980 Land $4,310 Building $16,670
2021			$301,850 Land $62,000 Building $239,850

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 January 14, 2026 · 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	1 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 539 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink, Clearnetworx.

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