436 S Mesa St, Fruita, CO 81521 Property Records

Mesa County property record for 436 S Mesa St, Fruita, CO 81521

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,104 sqft · built 1980
Lot Size	0.211 acres (9,200 sqft)
Owner	2 Individual Names on Record
Last Sale	$157,000 (Aug 2014)
Tax Bill	$936 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2697-173-09-020`

Property Details

APN / Parcel Number

Primary APN	`2697-173-09-020`
Alternative APN	`R012437`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,104 sqft Living Area
Gross Area	1,368 sqft
1st Floor Area	1,104 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,200 sqft (0.211 acres)
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	R012437
Street Address	436 S MESA ST
City	FRUITA
State	CO
Zip	81521-2906
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 20 BLK 3 HERITAGE MEADOWS FIL NO TWO SEC 17 1N 2W
Legal Range	002
Legal Township	01N
Legal Section	17
Legal Subdivision	HERITAGE MEADOWS FIL NO TWO
Legal Block	3
Legal Lot Number	20
Jurisdiction	MESA CO
Township / Civil Division	FRUITA
Census Block Group	1
Census Block	1005
Census Tract	1504

Owner

Source: Mesa County records, as of June 12, 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	436 S MESA ST, FRUITA, CO 81521-2906
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Dec 16, 2021	Deed of Trust, Mortgage · VA Mortgage SECURE ONE CAPITAL CORP
Dec 20, 2019	Deed of Trust, Mortgage · VA Mortgage SECURE ONE CAP
Jan 3, 2019	Deed of Trust, Mortgage · VA Mortgage SECURE ONE CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2014 · Amount on Record
Deed Sale	Aug 15, 2014 · Amount on Record
Prior Sale	Aug 10, 2006 · Amount on Record
Deed Document Number	20142699174
Deed Book / Page	5632 / 453
Prior Transfer Date	Jan 28, 2010
Prior Transfer Doc	0002523031
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MESA CO
Recording Date	Jun 3, 2026
Property Address	436 S MESA ST, FRUITA, CO 81521-2906
Document Number	0003160815
Instrument Date	May 28, 2026
Instrument	20263160815
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	436 S MESA ST, FRUITA, CO 81521-2906

Mortgage

Document Number	0003160815,
Date	Jun 3, 2026
Instrument	20263160815

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MESA CO
Property Address	436 S MESA ST, FRUITA, CO 81521-2906
Transaction Type	Mortgage
Record Updated	Dec 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	436 S MESA ST, FRUITA, CO 81521-2906

Mortgage

Document Number	0003012462
Date	Dec 16, 2021
Instrument	3012462

Lender

Name	SECURE ONE CAPITAL CORP
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2051

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MESA CO
Property Address	436 S MESA ST, FRUITA, CO 81521-2906
Document Number	0002909236
Instrument Date	Dec 20, 2019
Transaction Type	Mortgage
Record Updated	Feb 13, 2020
Title Company	UNISOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	436 S MESA ST FRUITA CO 815212906, FRUITA, CO 81521-2906

Mortgage

Document Number	0002909236
Date	Jan 7, 2020
Instrument	2909236

Lender

Name	SECURE ONE CAP
Type	Funding / Finance Company
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 6, 2050

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MESA CO
Property Address	436 S MESA ST, FRUITA, CO 81521-2906
Document Number	0002866768
Instrument Date	Jan 3, 2019
Transaction Type	Mortgage
Record Updated	Jan 29, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	436 S MESA ST FRUITA CO 815212906, FRUITA, CO 81521-2906

Mortgage

Document Number	0002866768
Date	Jan 11, 2019
Instrument	2866768

Lender

Name	SECURE ONE CAP
Type	Funding / Finance Company
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 10, 2049

Tax Assessment & Valuation

Source: Mesa County assessment roll, as of April 8, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Mesa County
Municipality	Fruita City
Unified School District	Mesa County Valley School District 51 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$936.00 (+15.7%)	$17,490 (+5.55%) Land $6,440 Building $11,050	$279,720 (+13.08%) Land $103,000 Building $176,720
2024	$809.00 (+0.5%)	$16,570 (-) Land $4,930 Building $11,640
2023	$805.00 (+29.63%)	$16,570 (+14.75%) Land $4,930 Building $11,640	$247,360 (+19.06%) Land $73,630 Building $173,730
2022	$621.00	$14,440 Land $3,820 Building $10,620
2021			$207,760 Land $55,000 Building $152,760

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 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	5 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.

Wildfire

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

Wildfire Risk	Low lower than 80% of the US · lower than 91% of Colorado
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 313 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Clearnetworx Fiber	1,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: CenturyLink.

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