411 Monarch Crest Trl, Durango, CO 81301 Property Records

La Plata County property record for 411 Monarch Crest Trl, Durango, CO 81301

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 5,239 sqft · built 2015
Lot Size	1.29 acres (56,236 sqft)
Owner	2 Individual Names on File
Last Sale	$1,315,000 (Sep 2017)
Tax Bill	$8,488 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5671-072-11-028`

Property Details

APN / Parcel Number

Primary APN	`5671-072-11-028`
Alternative APN	`R427711`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	5,239 sqft Living Area
Gross Area	6,139 sqft
Basement Area	1,110 sqft
Finished Basement	1,110 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Contemporary
Lot Area	56,236 sqft
Garage Type	Attached
Garage Area	900 sqft
Porch	Unfinished Open Porch
Porch Area	935 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	R427711
Street Address	411 MONARCH CREST TRL
City	DURANGO
State	CO
Zip	81301-7798
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION: EDGEMONT HIGHLANDS PH2B LOT: 145 EDGEMONT HIGHLANDS PH 2B PROJ 2004-0222 411 MONARCH CREST TRL DURANGO 81301
Legal Subdivision	EDGEMONT HIGHLANDS PH2B
Legal Phase	2B
Legal Block	2
Legal Lot Number	145
Jurisdiction	LA PLATA CO
Township / Civil Division	DURANGO
Census Block Group	2
Census Block	2005
Census Tract	970703

Owner

411 Monarch Crest Trl is owned and occupied by two individuals who bought it in September 2017.

Source: La Plata County records, as of July 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	411 MONARCH CREST TRL, DURANGO, CO 81301-7798
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2023	Deed of Trust, Mortgage · Line of Credit CENTRAL TRUST BANK
Jan 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL TRUST BANK
Sep 15, 2017	Warranty Deed, Transfer · ARM CENTRAL TRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2017 · Amount on File
Deed Sale	Sep 15, 2017 · Amount on File
Prior Sale	Mar 23, 2015 · Amount on File
Deed Document Number	20171133553
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	411 MONARCH CREST TRL, DURANGO, CO 81301-7798
Transaction Type	Mortgage
Record Updated	Dec 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 MONARCH CREST TRL, DURANGO, CO 81301-7798

Mortgage

Document Number	0001228356
Date	Dec 18, 2023
Instrument	1228356

Lender

Name	CENTRAL TRUST BANK
Type	Bank
Address	JEFFERSON CITY, MO 65101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Dec 12, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	411 MONARCH CREST TRL, DURANGO, CO 81301-7798
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	COLORADO TTL & CLOSING SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001184864
Date	Jan 8, 2021
Instrument	1184864

Lender

Name	CENTRAL TRUST BANK
Type	Bank
Address	COLORADO SPRINGS, CO 80918

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA PLATA CO
Recording Date	Sep 15, 2017
Property Address	411 MONARCH CREST TRL, DURANGO, CO 81301-7798
Document Number	0001133553
Instrument Date	Sep 15, 2017
Instrument	1133553
Transaction Type	Transfer
Record Updated	Mar 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$131.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 MONARCH CREST TRL, DURANGO, CO 81301-7798

Mortgage

Document Number	0001133554
Date	Sep 15, 2017
Instrument	1133554

Lender

Name	CENTRAL TRUST BANK
Type	Bank
Address	JEFFERSON CITY, MO 65101

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2027
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	6%
Index	1-Year LIBOR
Max Rate	9%

Tax Assessment & Valuation

The 2025 property tax bill for 411 Monarch Crest Trl was $8,488.

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		$143,190 (+5.3%) Land $19,620 Building $123,570	$2,175,630 (-) Land $298,060 Building $1,877,570
2025	$8,488.00	$135,980 Land $18,630 Building $117,350	$2,175,630 Land $298,060 Building $1,877,570
2023	$6,437.00 (+24.27%)	$128,450 (+28.37%) Land $14,080 Building $114,370	$1,917,080 (+33.16%) Land $210,100 Building $1,706,980
2022	$5,180.00	$100,060 Land $13,040 Building $87,020	$1,439,720 Land $187,630 Building $1,252,090

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

FEMA maps place 411 Monarch Crest Trl in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2002.

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

Wildfire risk around 411 Monarch Crest Trl is very high, ranking above 93% of the US, with a 0.7% annual chance of wildfire.

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

Wildfire Risk	Very High above 93% of the US · above 96% of Colorado
Wildfire Likelihood	0.7% annual chance
Exposure	Direct burnable vegetation

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

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 163 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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