Mesa County property record for 409 Elderberry Dr, Fruita, CO 81521
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,721 sqft · built 1999 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $219,500 (Apr 2015) |
| Tax Bill | $2,119 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage Aug 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2697-083-40-001 |
| Primary APN | 2697-083-40-001 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,721 sqft Living Area |
| Gross Area | 2,297 sqft |
| 1st Floor Area | 1,721 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Porch | Open/Unfinished Porch |
| Porch Area | 360 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | R008547 |
|---|---|
| Street Address | 409 ELDERBERRY DR |
| City | FRUITA |
| State | CO |
| Zip | 81521-9540 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1 BLK 3 ORCHARD VALLEY WEST SUB SEC 8 1N 2W & AN UNDIV INT IN OUTLOT A 0.22AC |
| Legal Range | 002 |
| Legal Township | 01N |
| Legal Section | 08 |
| Legal Subdivision | ORCHARD VALLEY WEST SUB |
| Legal Block | 3 |
| Legal Lot Number | 1 |
| Jurisdiction | MESA CO |
| Township / Civil Division | FRUITA |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 1503 |
Source: Mesa County records, as of April 23, 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 | 409 ELDERBERRY DR, FRUITA, CO 81521-9540 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 14, 2026 | Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Aug 25, 2021 | Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCING CORP |
| Jul 28, 2020 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Aug 17, 2019 | Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCING |
| Nov 10, 2017 | Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCING |
| Mar 25, 2017 | Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 22, 2015 · Amount on Record |
| Deed Sale | Apr 22, 2015 · Amount on Record |
| Prior Sale | Jul 24, 2006 · Amount on Record |
| Deed Document Number | 20152721582 |
| Deed Book / Page | 5715 / 317 |
| Prior Transfer Date | Jul 20, 2001 |
| Prior Transfer Doc | 0028930511 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MESA CO |
| Recording Date | Apr 14, 2026 |
| Property Address | 409 ELDERBERRY DR, FRUITA, CO 81521-9540 |
| Document Number | 0003155947 |
| Instrument Date | Apr 9, 2026 |
| Instrument | 20263155947 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU |
| Name | Verified Name |
|---|---|
| Address | 409 ELDERBERRY DR, FRUITA, CO 81521-9540 |
| Document Number | 0003155947, |
|---|---|
| Date | Apr 14, 2026 |
| Instrument | 20263155947 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MESA CO |
| Property Address | 409 ELDERBERRY DR, FRUITA, CO 81521-9540 |
| Transaction Type | Mortgage |
| Record Updated | Sep 2, 2021 |
| Title Company | FIRST INTEGRITY TITLE |
| Name | Verified Name |
|---|
| Document Number | 0002996604 |
|---|---|
| Date | Aug 25, 2021 |
| Instrument | 2996604 |
| Name | AMERICAN FINANCING CORP |
|---|---|
| Type | Lending Institution |
| Address | AURORA, CO 80014 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MESA CO |
| Property Address | 409 ELDERBERRY DR, FRUITA, CO 81521-9540 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIDELITY NATIONAL TITLE |
| Name | Verified Name |
|---|
| Document Number | 0002934920 |
|---|---|
| Date | Jul 28, 2020 |
| Instrument | 2934920 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MESA CO |
| Property Address | 409 ELDERBERRY DR, FRUITA, CO 81521-9540 |
| Document Number | 0002892699 |
| Instrument Date | Aug 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2019 |
| Title Company | FIRST INTEGRITY TITLE |
| Name | Verified Name |
|---|---|
| Address | 409 ELDERBERRY DR FRUITA CO 815219540, FRUITA, CO 81521-9540 |
| Document Number | 0002892699 |
|---|---|
| Date | Aug 27, 2019 |
| Instrument | 2892699 |
| Name | AMERICAN FINANCING |
|---|---|
| Type | Funding / Finance Company |
| Address | AURORA, CO 80014 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 26, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MESA CO |
| Property Address | 409 ELDERBERRY DR, FRUITA, CO 81521-9540 |
| Document Number | 0002821696 |
| Instrument Date | Nov 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jan 3, 2018 |
| Name | Verified Name |
|---|---|
| Address | 409 ELDERBERRY DR FRUITA CO 815219540, FRUITA, CO 81521-9540 |
| Document Number | 0002821696 |
|---|---|
| Date | Nov 20, 2017 |
| Instrument | 2821696 |
| Name | AMERICAN FINANCING |
|---|---|
| Type | Funding / Finance Company |
| Address | AURORA, CO 80014 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 19, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MESA CO |
| Property Address | 409 ELDERBERRY DR, FRUITA, CO 81521-9540 |
| Document Number | 0002795285 |
| Instrument Date | Mar 25, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 4, 2017 |
| Name | Verified Name |
|---|---|
| Address | 409 ELDERBERRY DR FRUITA CO 815219540, FRUITA, CO 81521-9540 |
| Document Number | 0002795285 |
|---|---|
| Date | Apr 4, 2017 |
| Instrument | 2795285 |
| Name | AMERICAN FINANCING |
|---|---|
| Type | Funding / Finance Company |
| Address | AURORA, CO 80014 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 3, 2047 |
Source: Mesa County assessment roll, as of April 8, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Mesa County |
| Municipality | Fruita City |
| Unified School District | Mesa County Valley School District 51 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,119.00 (+12.65%) | $25,440 (+10.9%) Land $6,810 Building $18,630 | $407,050 (+18.9%) Land $109,000 Building $298,050 |
| 2024 | $1,881.00 (+0.53%) | $22,940 (-) Land $5,660 Building $17,280 | |
| 2023 | $1,871.00 (+9.54%) | $22,940 (+11.36%) Land $5,660 Building $17,280 | $342,340 (+15.48%) Land $84,430 Building $257,910 |
| 2022 | $1,708.00 | $20,600 Land $4,170 Building $16,430 | |
| 2021 | $296,450 Land $60,000 Building $236,450 |
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.
Source: FEMA National Flood Hazard Layer, effective January 14, 2026 · 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 |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 | UTE WCD serves 92,580 people · EPA ID CO0139791 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2023 |
| Lead | 1 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.
Source: FCC Broadband Data Collection, based on 538 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Clearnetworx Fiber | 1,000 / 1,000 |
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