La Plata County property record for 432 Waters Way, Durango, CO 81301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,180 sqft · built 2004 |
| Lot Size | 6.96 acres (303,613 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $80,000 (Aug 2003) |
| Tax Bill | $2,133 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 5671-294-00-064 |
| Primary APN | 5671-294-00-064 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,180 sqft Living Area |
| Gross Area | 3,168 sqft |
| 1st Floor Area | 2,180 sqft |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Conventional |
| Lot Area | 303,613 sqft |
| Garage Type | Attached |
| Garage Area | 988 sqft |
| Porch | Unfinished Open Porch |
|---|---|
| Porch Area | 329 sqft |
| Deck Area | Deck Area |
| Patio Area | 406 sqft |
| Heating System | Radiant |
|---|
| Account Number | R425818 |
|---|---|
| Street Address | 432 WATERS WAY |
| City | DURANGO |
| State | CO |
| Zip | 81301-8218 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECTION: 29 TOWNSHIP: 35 RANGE: 8 TR IN SECTION: 32 TOWNSHIP: 35 RANGE: 8 TR IN AKA PARCEL II CULHANE HILLS MES PROJ 2003-036 432 WATERS WAY DURANGO 81301 |
| Legal Range | 08 |
| Legal Township | 35 |
| Legal Section | 29 |
| Legal Subdivision | DURANGO |
| Legal Block | 1 |
| Jurisdiction | LA PLATA CO |
| Township / Civil Division | BAYFIELD |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 970601 |
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 | PO BOX 2256, DURANGO, CO 81302-2256 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 20, 2003 · Amount on Record |
| Deed Sale | Aug 20, 2003 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LA PLATA CO |
| Property Address | 432 WATERS WAY, DURANGO, CO 81301-8218 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LAND TITLE GUARANTEE CO |
| Name | Verified Name |
|---|
| Document Number | 0001177635 |
|---|---|
| Date | Sep 15, 2020 |
| Instrument | 1177635 |
| Name | CENTRAL TRUST BANK |
|---|---|
| Type | Bank |
| Address | COLORADO SPRINGS, CO 80918 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Oct 1, 2040 |
Source: La Plata County assessment roll, as of July 20, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | La Plata County |
| Unified School District | Durango School District 9-R (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $41,200 (-2.07%) Land $11,680 Building $29,520 | $673,160 (-) Land $190,860 Building $482,300 | |
| 2025 | $2,133.00 (+45.3%) | $42,070 (+23.48%) Land $11,930 Building $30,140 | $673,160 (+32.36%) Land $190,860 Building $482,300 |
| 2024 | $1,468.00 (+15.05%) | ||
| 2023 | $1,276.00 (+16.64%) | $34,070 (+12.85%) Land $9,850 Building $24,220 | $508,580 (+17.06%) Land $147,030 Building $361,550 |
| 2022 | $1,094.00 | $30,190 Land $8,040 Building $22,150 | $434,460 Land $115,710 Building $318,750 |
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 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 | 9 in force |
| Nearby Flood Claims | 1 (2019) |
| Most Recent Claim | Jun 2019 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 85% of the US · above 88% of Colorado |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 10 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 |
| AlignTec Fixed Wireless | 50 / 25 |
| CenturyLink DSL | 10 / 1 |
5G (outdoors only) and 4G LTE
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