490 E Niagara Cir, Grand Junction, CO 81501 Property Records

Mesa County property record for 490 E Niagara Cir, Grand Junction, CO 81501

Property Summary

Property Type	Mobile Home
Details	2 bd · 3 ba · 1,344 sqft · built 1996
Lot Size	0.179 acres (7,790 sqft)
Owner	Individual Name on File
Last Sale	$60,000 (Apr 2020)
Tax Bill	$846 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2943-182-16-003`

Property Details

APN / Parcel Number

Primary APN	`2943-182-16-003`
Alternative APN	`R045105`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	1,344 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Mobile Home
Exterior Material	Wood Siding
Construction Type	Steel Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,790 sqft (0.179 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R045105
Street Address	490 E NIAGARA CIR
City	GRAND JUNCTION
State	CO
Zip	81501-5110
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	LOT 3 BLK 1 NIAGARA VILLAGE FIL NO ONE SEC 18 1S 1E & AN UND INT IN COMMON AREA OUTLOT A
Legal Range	001
Legal Township	01S
Legal Section	18
Legal Subdivision	NIAGARA VILLAGE FIL NO ONE
Legal Block	1
Legal Lot Number	3
Jurisdiction	MESA CO
Township / Civil Division	GRAND JUNCTION
Census Block Group	1
Census Block	1019
Census Tract	700

Owner

490 E Niagara Cir, a mobile home, is owned and occupied by an individual who bought it in April 2020.

Source: Mesa County records, as of May 6, 2026

Owner of Record	Individual Name on File
Mailing Address	490 E NIAGARA CIR, GRAND JUNCTION, CO 81501-5110
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage RIO GRANDE FCU
Apr 7, 2020	Grant Deed, Transfer RIO GRANDE FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 7, 2020 · Amount on File
Deed Sale	Apr 7, 2020 · Amount on File
Prior Sale	Apr 17, 2002 · Amount on File
Deed Document Number	20202920014
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MESA CO
Property Address	490 E NIAGARA CIR, GRAND JUNCTION, CO 81501-5110
Document Number	0002955592
Instrument Date	Nov 19, 2020
Transaction Type	Mortgage
Record Updated	Jan 5, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 E NIAGARA CIR GRAND JUNCTION CO 815015110, GRAND JUNCTION, CO 81501-5110

Mortgage

Document Number	0002955592
Date	Dec 4, 2020
Instrument	2955592

Lender

Name	RIO GRANDE FCU
Address	760 ROOD AVE, GRAND JUNCTION, CO 81501-3408

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Dec 3, 2025

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MESA CO
Recording Date	Apr 7, 2020
Property Address	490 E NIAGARA CIR, GRAND JUNCTION, CO 81501-5110
Document Number	0002920014
Instrument Date	Apr 3, 2020
Instrument	2920014
Transaction Type	Transfer
Record Updated	Jun 12, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 E NIAGARA CIR GRAND JUNCTION CO 815015110, GRAND JUNCTION, CO 81501-5110

Mortgage

Document Number	2920015
Date	Apr 7, 2020
Instrument	2920015

Lender

Name	RIO GRANDE FCU
Address	GRAND JUNCTION, CO 81501

Agreement

Amount	Amount on Record
Term	60 Months
Due	Apr 6, 2025

Tax Assessment & Valuation

The 2025 property tax bill for 490 E Niagara Cir was $846, up 33.2% from the year before.

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

Property Jurisdictions

Type	Name
State	Colorado
County	Mesa County
Municipality	Grand Junction 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	$846.00 (+33.23%)	$11,680 (+30.8%) Land $4,810 Building $6,870	$186,990 Land $77,000 Building $109,990
2024	$635.00 (+0.63%)	$8,930 (-) Land $3,560 Building $5,370
2023	$631.00 (+5.52%)	$8,930 (+7.59%) Land $3,560 Building $5,370	$133,300 Land $53,090 Building $80,210
2022	$598.00	$8,300 Land $3,130 Building $5,170
2021			$119,340 Land $45,000 Building $74,340

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 490 E Niagara Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1983.

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
Nearby Flood Claims	1 (1983)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jun 1983 · tidal / storm surge

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

The area around 490 E Niagara Cir has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	CITY OF GRAND JUNCTION serves 26,000 people · EPA ID CO0139321
Water Source	Surface water
Last State Inspection	Nov 2024
Lead	8 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	2 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 551 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Clearnetworx Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Highline Internet.

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