493 Monarch Crest Trl, Durango, CO 81301 Property Records

La Plata County property record for 493 Monarch Crest Trl, Durango, CO 81301

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.75 ba · 4,823 sqft · built 2018
Lot Size	1 acres (43,908 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (May 2016)
Tax Bill	$9,508 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Nov 2019 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`5671-072-11-030`

Property Details

APN / Parcel Number

Primary APN	`5671-072-11-030`
Alternative APN	`R427713`

Interior

Bedrooms	4 Beds
Full Baths	3.75 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,823 sqft Living Area
Gross Area	5,886 sqft
Basement Area	430 sqft
Finished Basement	430 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Custom Design
Lot Area	43,908 sqft
Garage Type	Attached
Garage Area	1,063 sqft
Porch	Porch
Porch Area	584 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	R427713
Street Address	493 MONARCH CREST TRL
City	DURANGO
State	CO
Zip	81301-7798
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION: EDGEMONT HIGHLANDS PH2B LOT: 147 EDGEMONT HIGHLANDS PH 2B PROJ 2004-0222 493 MONARCH CREST TRL DURANGO 81301
Legal Subdivision	EDGEMONT HIGHLANDS PH2B
Legal Phase	2B
Legal Block	2
Legal Lot Number	147
Jurisdiction	LA PLATA CO
Township / Civil Division	DURANGO
Census Block Group	2
Census Block	2005
Census Tract	970703

Owner

493 Monarch Crest Trl is owned and occupied by two individuals who bought it in May 2016.

Source: La Plata County records, as of July 20, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	493 MONARCH CREST TRL, DURANGO, CO 81301-7798
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Nov 1, 2019	Deed of Trust, Mortgage · Conventional Mortgage SUNTRUST BANK
Feb 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 8, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF CO
Oct 29, 2018	Deed of Trust, Mortgage BANK OF CO
Sep 29, 2017	Trustee's Deed, Construction Loan · Line of Credit BANK OF CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2016 · Amount on File
Deed Sale	May 5, 2016 · Amount on File
Deed Document Number	20161111378
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	493 MONARCH CREST TRL, DURANGO, CO 81301-7798
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001252267
Date	Mar 18, 2026
Instrument	1252267

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Apr 7, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	493 MONARCH CREST TRL, DURANGO, CO 81301-7798
Transaction Type	Mortgage
Record Updated	Jul 26, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001163861
Date	Nov 1, 2019
Instrument	1163861

Lender

Name	SUNTRUST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2049

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	493 MONARCH CREST TRL, DURANGO, CO 81301-7798
Transaction Type	Mortgage
Record Updated	Jul 26, 2022
Title Company	LAND TITLE GUARANTEE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001186326
Date	Feb 4, 2021
Instrument	1186326

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	493 MONARCH CREST TRL, DURANGO, CO 81301-7798
Document Number	0001155333
Instrument Date	Apr 8, 2019
Transaction Type	Mortgage
Record Updated	Apr 22, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	493 MONARCH CREST TRL DURANGO CO 813017798, DURANGO, CO 81301-7798

Mortgage

Document Number	0001155333
Date	Apr 15, 2019
Instrument	1155333

Lender

Name	BANK OF CO
Type	Bank
Address	DURANGO, CO 81301

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 14, 2039

Interest

Rate Type	Adjustable Rate

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	493 MONARCH CREST TRL, DURANGO, CO 81301-7798
Document Number	0001150172
Instrument Date	Oct 29, 2018
Transaction Type	Mortgage
Record Updated	Nov 13, 2018
Title Company	LAND TITLE GUARANTEE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	493 MONARCH CREST TRL DURANGO CO 813017798, DURANGO, CO 81301-7798

Mortgage

Document Number	0001150172
Date	Nov 2, 2018
Instrument	1150172

Lender

Name	BANK OF CO
Type	Bank
Address	JOHNSTOWN, CO 80534

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2048

September 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LA PLATA CO
Recording Date	Sep 29, 2017
Property Address	493 MONARCH CREST TRL, DURANGO, CO 81301-7798
Instrument Date	Sep 25, 2017
Instrument	1134151
Transaction Type	Construction Loan
Record Updated	Nov 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 CLEAR CREEK LOOP DURANGO CO 813018101, DURANGO, CO 81301-8101

Mortgage

Document Number	0001134151
Date	Sep 29, 2017
Instrument	1134151

Lender

Name	BANK OF CO
Type	Bank
Address	1199 MAIN AVE, DURANGO, CO 81301-5259

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 28, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 493 Monarch Crest Trl was $9,508, up 16.3% from the year before.

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		$160,970 (+5.67%) Land $20,930 Building $140,040	$2,437,140 (-) Land $316,890 Building $2,120,250
2025	$9,508.00 (+16.33%)	$152,330 Land $19,810 Building $132,520	$2,437,140 Land $316,890 Building $2,120,250
2024	$8,173.00 (+12.82%)
2023	$7,244.00 (+24.81%)	$144,560 (+28.93%) Land $15,010 Building $129,550	$2,157,630 (+33.74%) Land $224,070 Building $1,933,560
2022	$5,804.00	$112,120 Land $13,860 Building $98,260	$1,613,320 Land $199,480 Building $1,413,840

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 493 Monarch Crest Trl in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2002.

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	2 in force
Nearby Flood Claims	4 (2002–2013)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Sep 2013 · 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

Wildfire risk around 493 Monarch Crest Trl is very high, ranking above 93% of the US, with a 0.7% annual chance of wildfire.

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

Wildfire Risk	Very High above 93% of the US · above 96% of Colorado
Wildfire Likelihood	0.7% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 163 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Visionary Broadband Fixed Wireless	100 / 20

May also be available: Verizon.

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