La Plata County property record for 45 Crystal Ln, Durango, CO 81301
| Property Type | Single Family Home |
|---|---|
| Details | 7 bd · 6.5 ba · 7,465 sqft · built 2004 |
| Lot Size | 30.1 acres (1,313,334 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,095,000 (Dec 2019) |
| Tax Bill | $7,588 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit Mar 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5665-042-00-053 |
| Primary APN | 5665-042-00-053 |
|---|---|
| Alternative APN |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 6.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 7,465 sqft Living Area |
| 1st Floor Area | 6,210 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Custom Design |
| Lot Area | 1,313,334 sqft |
| Garage Type | Detached |
| Garage Area | 1,274 sqft |
| Porch | Unfinished Open Porch |
|---|---|
| Porch Area | 158 sqft |
| Patio Area | 973 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Radiant |
|---|
| Account Number | R002170 |
|---|---|
| Street Address | 45 CRYSTAL LN |
| City | DURANGO |
| State | CO |
| Zip | 81301-8805 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECTION: 4 TOWNSHIP: 35 RANGE: 9 S/2 SE/4 LOT 3: S 3/4 OF S/2 LOT 2 - LESS TRACT 45 CRYSTAL LN DURANGO 81301 |
| Legal Range | 09 |
| Legal Township | 35 |
| Legal Section | 04 |
| Legal Subdivision | DURANGO |
| Legal Tract | 45 |
| Legal Block | 3 |
| Legal Lot Number | 3,2 |
| Jurisdiction | LA PLATA CO |
| Township / Civil Division | DURANGO |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 970701 |
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 | 45 CRYSTAL LN, DURANGO, CO 81301-8805 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 24, 2024 | Deed of Trust, Mortgage · Line of Credit BANK OF COLORADO |
| Mar 1, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BANK OF COLORADO |
| Dec 16, 2019 | Warranty Deed, Transfer · Line of Credit BANK OF CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 16, 2019 · Amount on Record |
| Deed Sale | Dec 16, 2019 · Amount on Record |
| Prior Sale | Jul 18, 2000 · Amount on Record |
| Deed Document Number | 20191165669 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LA PLATA CO |
| Property Address | 45 CRYSTAL LN, DURANGO, CO 81301-8805 |
| Transaction Type | Mortgage |
| Record Updated | May 6, 2024 |
| Name | Verified Name |
|---|---|
| Address | 45 CRYSTAL LN, DURANGO, CO 81301-8805 |
| Document Number | 0001231623 |
|---|---|
| Date | Apr 24, 2024 |
| Instrument | 1231623 |
| Name | BANK OF COLORADO |
|---|---|
| Type | Bank |
| Address | DURANGO, CO 81301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Apr 18, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LA PLATA CO |
| Property Address | 45 CRYSTAL LN, DURANGO, CO 81301-8805 |
| Transaction Type | Mortgage |
| Record Updated | Mar 12, 2021 |
| Title Company | TITLE DURANGO |
| Name | Verified Name |
|---|
| Document Number | 0001187686 |
|---|---|
| Date | Mar 1, 2021 |
| Instrument | 1187686 |
| Name | BANK OF COLORADO |
|---|---|
| Type | Bank |
| Address | JOHNSTOWN, CO 80534 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LA PLATA CO |
| Recording Date | Dec 16, 2019 |
| Property Address | 45 CRYSTAL LN, DURANGO, CO 81301-8805 |
| Document Number | 0001165669 |
| Instrument Date | Dec 12, 2019 |
| Instrument | 1165669 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2019 |
| Title Company | LAND TITLE GUARANTEE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $109.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 45 CRYSTAL LN DURANGO CO 813018805, DURANGO, CO 81301-8805 |
| Document Number | 1165670 |
|---|---|
| Date | Dec 16, 2019 |
| Instrument | 1165670 |
| Name | BANK OF CO |
|---|---|
| Type | Bank |
| Address | DURANGO, CO 81301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 15, 2049 |
| Rate Type | Adjustable Rate |
|---|
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 | $145,840 (+7.92%) Land $44,020 Building $101,820 | $2,214,740 (+2.42%) Land $668,500 Building $1,546,240 | |
| 2025 | $7,588.00 (-3.89%) | $135,140 (+9.7%) Land $41,780 Building $93,360 | $2,162,330 (+17.61%) Land $668,500 Building $1,493,830 |
| 2024 | $7,895.00 (+47.74%) | ||
| 2023 | $5,344.00 (+65.76%) | $123,190 (+67.56%) Land $37,610 Building $85,580 | $1,838,600 (+73.81%) Land $561,340 Building $1,277,260 |
| 2022 | $3,224.00 | $73,520 Land $35,360 Building $38,160 | $1,057,850 Land $508,750 Building $549,100 |
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 |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 5 (1980–2014) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | Sep 2014 |
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 | Very High above 91% of the US · above 95% 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.
Source: FCC Broadband Data Collection, based on 34 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| AlignTec Fixed Wireless | 50 / 25 |
May also be available: FastTrack Communications, Spectrum, Verizon, Visionary Broadband.
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