405 W 28th St, Durango, CO 81301 Property Records

La Plata County property record for 405 W 28th St, Durango, CO 81301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.75 ba · 3,832 sqft · built 1950
Lot Size	1.47 acres (64,076 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,400,000 (Nov 2021)
Tax Bill	$5,503 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5665-173-08-034`

Property Details

APN / Parcel Number

Primary APN	`5665-173-08-034`
Alternative APN	`R437957`

Interior

Bedrooms	3 Beds
Full Baths	3.75 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,832 sqft Living Area
Gross Area	4,408 sqft
1st Floor Area	3,438 sqft
Basement Area	394 sqft
Finished Basement	394 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Conventional
Lot Area	64,076 sqft
Garage Type	Attached
Garage Area	576 sqft
Porch	Porch
Porch Area	508 sqft
Patio Area	784 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	R437957
Street Address	405 W 28TH ST
City	DURANGO
State	CO
Zip	81301-4107
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION: SWERINGEN S/D LOT: 1R AKA LOT 1R BARKER/GUIET BA & LOT CONS PER PLAT #1176994 405 W 28TH ST DURANGO 81301
Legal Subdivision	SWERINGEN S/D
Legal Block	3
Legal Lot Number	1R
Jurisdiction	LA PLATA CO
Township / Civil Division	DURANGO
Census Block Group	3
Census Block	3015
Census Tract	970900

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	405 W 28TH ST, DURANGO, CO 81301-4107
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2021 · Amount on Record
Deed Sale	Nov 8, 2021 · Amount on Record
Deed Document Number	20211202034
Prior Transfer Date	Oct 19, 2020
Prior Transfer Doc	0001179855
Record Updated	Sep 20, 2026

November 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LA PLATA CO
Recording Date	Nov 8, 2021
Property Address	405 W 28TH ST, DURANGO, CO 81301-4107
Document Number	0001202034
Map Reference	DOC 1176994
Instrument Date	Oct 28, 2021
Instrument	1202034
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	T TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 W 28TH ST, DURANGO, CO 81301-4107

Mortgage

Document Number	0001202035
Date	Nov 8, 2021
Instrument	1202035

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

Source: La Plata County assessment roll, as of July 20, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	La Plata County
Municipality	Durango City
Unified School District	Durango School District 9-R (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$108,310 (+4.21%) Land $25,970 Building $82,340	$1,662,890 (-) Land $398,750 Building $1,264,140
2025	$5,503.00 (+26.19%)	$103,930 (+12.58%) Land $24,920 Building $79,010	$1,662,890 (+20.68%) Land $398,750 Building $1,264,140
2024	$4,361.00 (+17.55%)
2023	$3,710.00 (+71.52%)	$92,320 (+73.47%) Land $19,310 Building $73,010	$1,377,940 (+79.93%) Land $288,240 Building $1,089,700
2022	$2,163.00	$53,220 Land $17,390 Building $35,830	$765,830 Land $250,250 Building $515,580

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
Flood Insurance Cost	Premium on Record median of 10 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	3 (2000–2019)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Apr 2019 · 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

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

Wildfire Risk	Moderate above 65% of the US · above 55% of Colorado
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CITY OF DURANGO serves 33,787 people · EPA ID CO0134150
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 371 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
Clearnetworx Fiber	1,000 / 1,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: FastTrack Communications, Verizon, Vero Fiber, Visionary Broadband.