La Plata County property record for 405 Estancia Loop, Durango, CO 81301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,667 sqft · built 2015 |
| Lot Size | 0.159 acres (6,926 sqft) |
| Owner | Individual Name on File |
| Last Sale | $854,400 (Jul 2025) |
| Tax Bill | $2,651 (2025) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage Sep 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 5597-103-20-078 |
| Primary APN | 5597-103-20-078 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,667 sqft Living Area |
| Gross Area | 2,242 sqft |
| 1st Floor Area | 1,667 sqft |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Conventional |
| Lot Area | 6,926 sqft (0.159 acres) |
| Garage Type | Attached |
| Garage Area | 575 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 446 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | R435383 |
|---|---|
| Street Address | 405 ESTANCIA LOOP |
| City | DURANGO |
| State | CO |
| Zip | 81301-8142 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISION: ESTANCIA ANIMAS VALLEY 1ST AMNT LOT: 28 PER PLAT 1093223, PROJ 2013-0361 405 ESTANCIA LOOP DURANGO 81301 |
| Legal Subdivision | ESTANCIA ANIMAS VALLEY 1ST |
| Legal Block | 2 |
| Legal Lot Number | 28 |
| Jurisdiction | LA PLATA CO |
| Township / Civil Division | DURANGO |
| Census Block Group | 2 |
| Census Block | 2034 |
| Census Tract | 970705 |
405 Estancia Loop is owned by an individual who bought it in July 2025.
Source: La Plata County records, as of July 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 387 ESTANCIA LOOP, DURANGO, CO 81301-8125 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 29, 2022 | Special Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Sep 28, 2020 | Special Warranty Deed, Transfer · Conventional Mortgage CENTRAL TRUST BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 10, 2025 · Amount on File |
| Deed Sale | Jul 10, 2025 · Amount on File |
| Prior Sale | Sep 29, 2022 · Amount on File |
| Deed Document Number | 20251244527 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | LA PLATA CO |
| Recording Date | Sep 29, 2022 |
| Property Address | 405 ESTANCIA LOOP, DURANGO, CO 81301-8142 |
| Document Number | 0001215705 |
| Map Reference | DOC 1093223 |
| Instrument Date | Sep 26, 2022 |
| Instrument | 1215705 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | COLORADO TTL & CLOSING SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $75.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 405 ESTANCIA LOOP, DURANGO, CO 81301-8142 |
| Document Number | 0001215707 |
|---|---|
| Date | Sep 29, 2022 |
| Instrument | 1215707 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | LA PLATA CO |
| Recording Date | Sep 28, 2020 |
| Property Address | 405 ESTANCIA LOOP, DURANGO, CO 81301-8142 |
| Document Number | 0001178376 |
| Map Reference | DOC 1093223 |
| Instrument Date | Sep 24, 2020 |
| Instrument | 1178376 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2022 |
| Title Company | COLORADO TITLE & CLOSING SER |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $56.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 405 ESTANCIA LOOP, DURANGO, CO 81301-8142 |
| Document Number | 0001178377 |
|---|---|
| Date | Sep 28, 2020 |
| Instrument | 1178377 |
| Name | CENTRAL TRUST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
The 2025 property tax bill for 405 Estancia Loop was $2,651.
Source: La Plata County assessment roll, as of July 20, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | La Plata County |
| Unified School District | Durango School District 9-R (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $46,610 (-1.29%) Land $7,850 Building $38,760 | $755,500 (-) Land $127,230 Building $628,270 | |
| 2025 | $2,651.00 | $47,220 Land $7,950 Building $39,270 | $755,500 Land $127,230 Building $628,270 |
| 2023 | $1,839.00 (+18.65%) | $42,400 (+19.91%) Land $6,880 Building $35,520 | $632,830 (+24.38%) Land $102,690 Building $530,140 |
| 2022 | $1,550.00 | $35,360 Land $7,450 Building $27,910 | $508,770 Land $107,150 Building $401,620 |
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.
FEMA maps place 405 Estancia Loop in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AO, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 20 policies |
| Nearby Flood Policies | 20 in force |
| Nearby Flood Claims | 2 (2018) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Jul 2018 · rainfall accumulation |
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 risk around 405 Estancia Loop is high, ranking above 74% of the US, with a 0.4% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 74% of the US · above 72% of Colorado |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ANIMAS WC private · serves 3,096 people · EPA ID CO0134020 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2022 |
| Lead | 9 ppb (2023–2025) action level 15 ppb |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 87 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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