La Plata County property record for 399 Needham Cir, Durango, CO 81301 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,294 sqft · built 1980 |
| Lot Size | 0.169 acres (7,367 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $1,390,000 (Dec 2025) |
| Tax Bill | $3,568 (2025) |
| Deeds & Mortgages | Apr 2022 Line of Credit Feb 2024 Line of Credit + 4 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 5665-173-20-024 |
| Primary APN | 5665-173-20-024 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,294 sqft Living Area |
| Gross Area | 2,714 sqft |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Conventional |
| Lot Area | 7,367 sqft (0.169 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Unfinished Open Porch |
|---|---|
| Porch Area | 178 sqft |
| Deck Area | Deck Area |
| Patio Area | 429 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | R010218 |
|---|---|
| Street Address | 399 NEEDHAM CIR |
| City | DURANGO |
| State | CO |
| Zip | 81301-4516 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISION: SUNNYBROOK ADD (DGO) BLOCK: 0 LOT: 3 SUNNYBROOK ADD 399 NEEDHAM CIR DURANGO 81301 |
| Legal Subdivision | SUNNYBROOK ADD (DGO) |
| Legal Block | 3 |
| Legal Lot Number | 3 |
| Jurisdiction | LA PLATA CO |
| Township / Civil Division | DURANGO |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 971000 |
Source: La Plata County records · APN 5665-173-20-024
Assessment roll updated July 20, 2026 · Last verified July 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 | 399 NEEDHAM CIR, DURANGO, CO 81301-4516 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 18, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF COLORADO |
| Feb 22, 2024 | Deed of Trust, Mortgage · Line of Credit FIRST SOUTHWEST BANK |
| Oct 20, 2025 | Deed of Trust, Mortgage · Non-Conforming Investor Loan BANK OF COLORADO |
| Dec 02, 2025 | Special Warranty Deed, Transfer · Conventional Mortgage BANK OF THE SAN JUANS |
| Apr 09, 2021 | Deed of Trust, Mortgage · Conventional with PMI UNITED WHOLESALE MTG |
| Dec 28, 2020 | Warranty Deed, Transfer · Line of Credit ALPINE BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 02, 2025 · Amount on Record |
| Deed Sale | Dec 02, 2025 · Amount on Record |
| Prior Sale | Dec 28, 2020 · Amount on Record |
| Deed Document Number | 20251249087 |
| Prior Transfer Date | Jan 29, 2019 |
| Prior Transfer Doc | 0001153221 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LA PLATA CO |
| Property Address | 399 NEEDHAM CIR, DURANGO, CO 81301-4516 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 399 NEEDHAM CIR, DURANGO, CO 81301-4516 |
| Document Number | 0001208949 |
|---|---|
| Date | Apr 18, 2022 |
| Instrument | 1208949 |
| Name | BANK OF COLORADO |
|---|---|
| Type | Bank |
| Address | DURANGO, CO 81301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Apr 12, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LA PLATA CO |
| Property Address | 399 NEEDHAM CIR, DURANGO, CO 81301-4516 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 399 NEEDHAM CIR, DURANGO, CO 81301-4516 |
| Document Number | 0001230034 |
|---|---|
| Date | Feb 22, 2024 |
| Instrument | 1230034 |
| Name | FIRST SOUTHWEST BANK |
|---|---|
| Type | Bank |
| Address | DURANGO, CO 81301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 17, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LA PLATA CO |
| Property Address | 399 NEEDHAM CIR, DURANGO, CO 81301-4516 |
| Transaction Type | Mortgage |
| Record Updated | Dec 15, 2025 |
| Name | Verified Name |
|---|---|
| Address | 399 NEEDHAM CIR, DURANGO, CO 81301-4516 |
| Document Number | 0001247653 |
|---|---|
| Date | Oct 20, 2025 |
| Instrument | 1247653 |
| Name | BANK OF COLORADO |
|---|---|
| Type | Bank |
| Address | DURANGO, CO 81301 |
| Type | Non-Conforming Investor Loan |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 16, 2055 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | LA PLATA CO |
| Recording Date | Dec 02, 2025 |
| Property Address | 399 NEEDHAM CIR, DURANGO, CO 81301-4516 |
| Document Number | 0001249087 |
| Map Reference | DOC 433340 |
| Instrument Date | Dec 02, 2025 |
| Instrument | 1249087 |
| Transaction Type | Transfer |
| Record Updated | Dec 15, 2025 |
| Title Company | LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $139.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 399 NEEDHAM CIR, DURANGO, CO 81301-4516 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 399 NEEDHAM CIR, DURANGO, CO 81301-4516 |
| Document Number | 0001249088 |
|---|---|
| Date | Dec 02, 2025 |
| Instrument | 1249088 |
| Name | BANK OF THE SAN JUANS |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 01, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 3% |
| Max Rate At Change | 11.2% |
| Index | 1-Year CMT |
| Margin | 3 |
| Max Rate | 11.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LA PLATA CO |
| Property Address | 399 NEEDHAM CIR, DURANGO, CO 81301-4516 |
| Document Number | 0001190669 |
| Instrument Date | Apr 09, 2021 |
| Transaction Type | Mortgage |
| Record Updated | May 07, 2021 |
| Title Company | LAND TITLE GUARANTEE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 399 NEEDHAM CIR DURANGO CO 813014516, DURANGO, CO 81301-4516 |
| Document Number | 0001190669 |
|---|---|
| Date | Apr 16, 2021 |
| Instrument | 1190669 |
| Name | UNITED WHOLESALE MTG |
|---|---|
| Type | Mortgage Company |
| Address | 585 SOUTH BLVD E, PONTIAC, MI 48341-3163 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 15, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LA PLATA CO |
| Recording Date | Dec 28, 2020 |
| Property Address | 399 NEEDHAM CIR, DURANGO, CO 81301-4516 |
| Document Number | 0001184034 |
| Map Reference | DOC 433340 |
| Instrument Date | Dec 23, 2020 |
| Instrument | 1184034 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2022 |
| Title Company | LAND TITLE GUARANTEE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $74.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 399 NEEDHAM CIR, 399, DURANGO, CO 81301-4516 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 399 NEEDHAM CIR, DURANGO, CO 81301-4516 |
| Document Number | 0001184035 |
|---|---|
| Date | Dec 28, 2020 |
| Instrument | 1184035 |
| Name | ALPINE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: La Plata County records · Assessment roll updated July 20, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | La Plata County |
| Municipality | Durango City |
| Unified School District | Durango School District 9-R (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $68,560 (+1.72%) Land $16,690 Building $51,870 | $1,078,310 (-) Land $262,500 Building $815,810 | |
| 2025 | $3,568.00 (+42.55%) | $67,400 (+76.9%) Land $16,410 Building $50,990 | $1,078,310 (+102.38%) Land $262,500 Building $815,810 |
| 2024 | $2,503.00 (+17.57%) | $38,100 (-28.09%) Land $11,800 Building $26,300 | $532,810 (-32.62%) Land $165,000 Building $367,810 |
| 2023 | $2,129.00 (+41.46%) | $52,980 (+43.07%) Land $12,370 Building $40,610 | $790,770 (+48.42%) Land $184,660 Building $606,110 |
| 2022 | $1,505.00 | $37,030 Land $11,470 Building $25,560 | $532,810 Land $165,000 Building $367,810 |
Source: FEMA National Flood Hazard Layer, La Plata County (08067C), updated April 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 080679710002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Moderate 1% annual chance, depth under 1 ft |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Cost | Premium on Record median of 22 individual NFIP policies nearby |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 22 in force 16 of 22 on primary residences |
| Nearby Flood Claims | 1 (1983) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | May 1983, tidal / storm surge |
| Wildfire Risk | Moderate above 56% of the US · above 41% of Colorado |
|---|---|
| Wildfire Likelihood | About 1 in 833 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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