430 Deer Trail Rd, Durango, CO 81303 Property Records

La Plata County property record for 430 Deer Trail Rd, Durango, CO 81303

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.75 ba · 3,120 sqft · built 1980
Lot Size	4.6 acres (200,376 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (Jan 2017)
Tax Bill	$2,471 (2025)
Deeds & Mortgages	Oct 2019 Mortgage Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5661-272-03-003`

Property Details

APN / Parcel Number

Primary APN	`5661-272-03-003`
Alternative APN	`R008691`

Interior

Bedrooms	4 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,120 sqft Living Area
Gross Area	3,384 sqft
1st Floor Area	2,232 sqft
Basement Area	888 sqft
Finished Basement	888 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Bi-Level
Lot Area	200,376 sqft
Garage Type	Attached
Garage Area	264 sqft

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	60 sqft
Deck Area	Deck Area
Patio Area	618 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Account Number	R008691
Street Address	430 DEER TRAIL RD
City	DURANGO
State	CO
Zip	81303-3606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION: RAFTER J OPEN A BLOCK: TR052 LOT: B 430 DEER TRAIL RD DURANGO 81303
Legal Subdivision	RAFTER J OPEN A
Legal Tract	052
Legal Block	R052
Legal Lot Number	B
Jurisdiction	LA PLATA CO
Township / Civil Division	DURANGO
Census Block Group	3
Census Block	3000
Census Tract	970701

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	Individual Name on Record
Mailing Address	430 DEER TRAIL RD, DURANGO, CO 81303-3606
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 21, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 23, 2017	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 23, 2017 · Amount on Record
Deed Sale	Jan 23, 2017 · Amount on Record
Prior Sale	Jan 19, 2007 · Amount on Record
Deed Document Number	20171123631
Last Transfer Date	Aug 2, 2024
Transfer Doc	0001234699
Record Updated	Sep 20, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	430 DEER TRAIL RD, DURANGO, CO 81303-3606
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CAPSTONE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001163293
Date	Oct 21, 2019
Instrument	1163293

Lender

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

Agreement

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

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA PLATA CO
Recording Date	Jan 23, 2017
Property Address	430 DEER TRAIL RD, DURANGO, CO 81303-3606
Document Number	0001123631
Instrument Date	Jan 23, 2017
Instrument	1123631
Transaction Type	Transfer
Record Updated	Mar 22, 2022
Title Company	LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 DEER TRAIL RD, DURANGO, CO 81303-3606

Mortgage

Document Number	0001123632
Date	Jan 23, 2017
Instrument	1123632

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

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		$44,250 (-1.75%) Land $14,060 Building $30,190	$720,620 (-) Land $228,940 Building $491,680
2025	$2,471.00 (+63.53%)	$45,040 (+25.08%) Land $14,310 Building $30,730	$720,620 (+34.08%) Land $228,940 Building $491,680
2023	$1,511.00 (+13.18%)	$36,010 (+14.5%) Land $11,280 Building $24,730	$537,450 (+18.78%) Land $168,400 Building $369,050
2022	$1,335.00	$31,450 Land $9,890 Building $21,560	$452,490 Land $142,310 Building $310,180

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	3 in force
Nearby Flood Claims	1 (2023)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2023 · 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

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LAKE DURANGO WA private · serves 1,577 people · EPA ID CO0134530
Water Source	Surface water
Last State Inspection	May 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2018 Turbidity resolved · Oct 2018
Treatment and Procedure	No certified operator Jun 2022
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Visionary Broadband Fixed Wireless	100 / 20
CenturyLink DSL	10 / 1

May also be available: AlignTec.

Cell Coverage

5G (outdoors only) and 4G LTE

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