38 Lane Dr, Durango, CO 81303 Property Records

La Plata County property record for 38 Lane Dr, Durango, CO 81303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 3,480 sqft · built 1995
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Last Sale	$515,000 (Apr 2020)
Tax Bill	$2,873 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5661-342-05-075`

Property Details

APN / Parcel Number

Primary APN	`5661-342-05-075`
Alternative APN	`R006935`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,480 sqft Living Area
Basement Area	952 sqft
Finished Basement	952 sqft

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Conventional
Lot Area	130,680 sqft
Garage Type	Detached
Garage Area	810 sqft
Deck Area	Deck Area
Patio Area	592 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	R006935
Street Address	38 LANE DR
City	DURANGO
State	CO
Zip	81303-7638
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION: RAFTER J OPEN A LOT: 178A 38 LANE DR DURANGO 81303
Legal Subdivision	RAFTER J OPEN A
Legal Block	3
Legal Lot Number	178A
Jurisdiction	LA PLATA CO
Township / Civil Division	DURANGO
Census Block Group	3
Census Block	3001
Census Tract	970701

Owner

38 Lane Dr is owned and occupied by two individuals who bought it in April 2020.

Source: La Plata County records, as of September 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	38 LANE DR, DURANGO, CO 81303-7638
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2026	Deed of Trust, Mortgage · Line of Credit ALPINE BANK
Apr 10, 2020	Grant Deed, Transfer · Conventional Mortgage BETTER MTG CORP ISAOA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 10, 2020 · Amount on File
Deed Sale	Apr 10, 2020 · Amount on File
Prior Sale	Jun 6, 2014 · Amount on File
Deed Document Number	20201170053
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Recording Date	Sep 17, 2026
Property Address	38 LANE DR, DURANGO, CO 81303-7638
Document Number	0001258175
Instrument Date	Sep 8, 2026
Instrument	20261258175
Transaction Type	Mortgage
Record Updated	Sep 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	38 LANE DR, DURANGO, CO 81303-7638

Mortgage

Document Number	0001258175,
Date	Sep 17, 2026
Instrument	20261258175

Lender

Name	ALPINE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 25, 2036

Interest

Max Rate	-1%

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LA PLATA CO
Recording Date	Apr 10, 2020
Property Address	38 LANE DR, DURANGO, CO 81303-7638
Document Number	0001170053
Instrument Date	Apr 7, 2020
Instrument	1170053
Transaction Type	Transfer
Record Updated	May 1, 2020
Title Company	LAND TITLE GUARANTEE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$52.00
Amount Accuracy	Confirmed
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	38 LANE DR DURANGO CO 813037638, DURANGO, CO 81303-7638

Mortgage

Document Number	1170054
Date	Apr 10, 2020
Instrument	1170054

Lender

Name	BETTER MTG CORP ISAOA
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 9, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 38 Lane Dr was $2,873.

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		$52,210 (-0.29%) Land $14,120 Building $38,090	$837,790 (-) Land $226,630 Building $611,160
2025	$2,873.00	$52,360 Land $14,160 Building $38,200	$837,790 Land $226,630 Building $611,160
2023	$1,787.00 (+15.36%)	$42,570 (+16.63%) Land $11,330 Building $31,240	$635,340 (+20.99%) Land $169,110 Building $466,230
2022	$1,549.00	$36,500 Land $9,790 Building $26,710	$525,130 Land $140,880 Building $384,250

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

FEMA maps place 38 Lane Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

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

Wildfire risk around 38 Lane Dr is high, ranking above 87% of the US, with a 0.6% annual chance of wildfire.

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

Wildfire Risk	High above 87% of the US · above 91% 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 39 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: T-Mobile, Verizon.

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