405 Window Lake Trl, Durango, CO 81301 Property Records

La Plata County property record for 405 Window Lake Trl, Durango, CO 81301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,828 sqft · built 2018
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$535,000 (Sep 2018)
Tax Bill	$3,186 (2025)
Deeds & Mortgages	Nov 2019 Mortgage Feb 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`5665-124-05-020`

Property Details

APN / Parcel Number

Primary APN	`5665-124-05-020`
Alternative APN	`R430287`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,828 sqft Living Area
Gross Area	2,308 sqft
1st Floor Area	1,828 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Conventional
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Attached
Garage Area	480 sqft
Porch	Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	R430287
Street Address	405 WINDOW LAKE TRL
City	DURANGO
State	CO
Zip	81301-6943
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION: EDGEMONT HIGHLANDS PH 4 LOT: 305 405 WINDOW LAKE TRL DURANGO 81301
Legal Subdivision	EDGEMONT HIGHLANDS PH 4
Legal Phase	4
Legal Block	2
Legal Lot Number	305
Jurisdiction	LA PLATA CO
Township / Civil Division	DURANGO
Census Block Group	2
Census Block	2005
Census Tract	970703

Owner

Source: La Plata County assessment roll, 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 File
Mailing Address	405 WINDOW LAKE TRL, DURANGO, CO 81301-6943
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST BANK
Feb 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Sep 21, 2018	Warranty Deed, Transfer · Conventional Mortgage BANK OF CO
Sep 21, 2018	Grant Deed, Transfer COLORADO TITLE AND CLOSING SERVICES
May 15, 2017	Warranty Deed, Transfer · Line of Credit BANK OF CO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 21, 2018 · Amount on Record
Deed Sale	Sep 21, 2018 · Amount on Record
Prior Sale	May 15, 2017 · Amount on Record
Deed Document Number	20181148324
Record Updated	Sep 20, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	405 WINDOW LAKE TRL, DURANGO, CO 81301-6943
Transaction Type	Mortgage
Record Updated	Jul 26, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001164297
Date	Nov 12, 2019
Instrument	1164297

Lender

Name	SUNTRUST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	405 WINDOW LAKE TRL, DURANGO, CO 81301-6943
Transaction Type	Mortgage
Record Updated	Jul 26, 2022
Title Company	CAPSTONE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001187279
Date	Feb 23, 2021
Instrument	1187279

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA PLATA CO
Recording Date	Sep 21, 2018
Property Address	405 WINDOW LAKE TRL, DURANGO, CO 81301-6943
Document Number	0001148324
Instrument Date	Sep 21, 2018
Instrument	1148324
Transaction Type	Transfer
Record Updated	Oct 4, 2018
Title Company	COLORADO TITLE AND CLOSING SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$53.50
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	PO BOX 3406 DURANGO CO 813023406, DURANGO, CO 81302-3406

Mortgage

Document Number	1148325
Date	Sep 21, 2018
Instrument	1148325

Lender

Name	BANK OF CO
Type	Bank
Address	JOHNSTOWN, CO 80534

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 20, 2048

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LA PLATA CO
Recording Date	Sep 21, 2018
Property Address	405 WINDOW LAKE TRL, DURANGO, CO 81301-6943
Document Number	0001148323
Instrument Date	Sep 20, 2018
Instrument	1148323
Transaction Type	Transfer
Record Updated	Oct 1, 2018
Title Company	COLORADO TITLE AND CLOSING SERVICES

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	548 COUNTY ROAD 202 DURANGO CO 813018631, DURANGO, CO 81301-8631

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA PLATA CO
Recording Date	May 15, 2017
Property Address	405 WINDOW LAKE TRL, DURANGO, CO 81301-6943
Document Number	0001128066
Instrument Date	May 12, 2017
Instrument	1128066
Transaction Type	Transfer
Record Updated	May 30, 2017
Title Company	COLORADO TITLE AND CLOSING SERVICES, COLORADO TITLE & CLOSING SVCS

Transaction

Amount	Amount Recorded
Tax	$11.00
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	45 ANIMOSA DR DURANGO CO 813018605, DURANGO, CO 81301-8605

Mortgage

Document Number	1128067
Date	May 15, 2017
Instrument	1128067

Lender

Name	BANK OF CO
Type	Bank
Address	DURANGO, CO 81301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	May 14, 2018

Interest

Rate Type	Adjustable Rate

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		$50,510 (-0.55%) Land $10,970 Building $39,540	$812,690 (-) Land $176,480 Building $636,210
2025	$3,186.00 (+25.04%)	$50,790 (+13.42%) Land $11,030 Building $39,760	$812,690 (+21.59%) Land $176,480 Building $636,210
2024	$2,548.00 (+12.79%)
2023	$2,259.00 (+15.85%)	$44,780 (+19.73%) Land $7,910 Building $36,870	$668,390 (+24.22%) Land $118,020 Building $550,370
2022	$1,950.00	$37,400 Land $7,930 Building $29,470	$538,050 Land $114,080 Building $423,970

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	2 in force
Nearby Flood Claims	4 (2002–2013)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Sep 2013 · 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	Very High above 90% of the US · above 94% of Colorado
Wildfire Likelihood	0.6% annual chance
Exposure	Direct burnable vegetation at the parcel

Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.

Internet Providers

Source: FCC Broadband Data Collection, based on 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Visionary Communications Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Window Lake Trl

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures