324 Mountain Top Rd, Durango, CO 81303 Property Records

La Plata County property record for 324 Mountain Top Rd, Durango, CO 81303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.75 ba · 2,104 sqft · built 1985
Lot Size	4.6 acres (200,376 sqft)
Owner	2 Individual Names on Record
Last Sale	$427,500 (Nov 2020)
Tax Bill	$2,359 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5661-344-05-063`

Property Details

APN / Parcel Number

Primary APN	`5661-344-05-063`
Alternative APN	`R000514`

Interior

Bedrooms	3 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,104 sqft Living Area

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Modern
Lot Area	200,376 sqft
Garage Type	Detached
Garage Area	780 sqft
Deck Area	Deck Area
Patio Area	265 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Account Number	R000514
Street Address	324 MOUNTAIN TOP RD
City	DURANGO
State	CO
Zip	81303-7644
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION: MOUNTAIN TOP HOMES BLOCK: 0 LOT: 7 MOUNTAIN TOP HOMES 324 MOUNTAIN TOP RD DURANGO 81303
Legal Subdivision	MOUNTAIN TOP HOMES
Legal Block	3
Legal Lot Number	7
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	410 MOUNTAIN TOP RD, DURANGO, CO 81303-7644
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2020 · Amount on Record
Deed Sale	Nov 17, 2020 · Amount on Record
Prior Sale	Dec 14, 1993 · Amount on Record
Deed Document Number	20201181743
Record Updated	Sep 20, 2026

November 2020: Receiver's Deed, Transfer

Document Type	Receiver's Deed
Jurisdiction	LA PLATA CO
Recording Date	Nov 17, 2020
Property Address	324 MOUNTAIN TOP RD, DURANGO, CO 81303-7644
Document Number	0001181743
Map Reference	DOC 374157
Instrument Date	Nov 13, 2020
Instrument	1181743
Transaction Type	Transfer
Record Updated	Mar 22, 2022
Title Company	TITLE DURANGO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$42.75
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	324 MOUNTAIN TOP RD, DURANGO, CO 81303-7644

Mortgage

Document Number	0001181744
Date	Nov 17, 2020
Instrument	1181744

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 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		$42,710 (-0.7%) Land $11,750 Building $30,960	$697,810 (+1.41%) Land $191,940 Building $505,870
2025	$2,359.00 (+62.58%)	$43,010 (+24.38%) Land $12,000 Building $31,010	$688,130 (+33.32%) Land $191,940 Building $496,190
2023	$1,451.00 (+16.36%)	$34,580 (+17.66%) Land $9,420 Building $25,160	$516,160 (+22.06%) Land $140,640 Building $375,520
2022	$1,247.00	$29,390 Land $8,290 Building $21,100	$422,880 Land $119,310 Building $303,570

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	0.6% annual chance
Exposure	Direct burnable vegetation

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 33 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	60 / 5

May also be available: AlignTec, FastTrack Communications, Verizon.

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