525 Arroyo Dr, Durango, CO 81301 Property Records

La Plata County property record for 525 Arroyo Dr, Durango, CO 81301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,470 sqft · built 1996
Lot Size	0.383 acres (16,670 sqft)
Owner	2 Individual Names on File
Last Sale	$517,000 (Feb 2020)
Tax Bill	$2,567 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Feb 2020 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`5665-202-39-015`

Property Details

APN / Parcel Number

Primary APN	`5665-202-39-015`
Alternative APN	`R418312`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,470 sqft Living Area
Gross Area	1,998 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Conventional
Lot Area	16,670 sqft (0.383 acres)
Garage Type	Attached
Garage Area	528 sqft
Porch	Unfinished Open Porch
Porch Area	90 sqft
Patio Area	480 sqft

Utilities, Heating & Cooling

Heating System	Radiant

Location & Zoning

Account Number	R418312
Street Address	525 ARROYO DR
City	DURANGO
State	CO
Zip	81301-5803
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION: THOMPSONS 2ND RESUB BLOCK: 0 LOT: 15 RESUB OF THE AMENDED THOMPSONS, 2ND ADD & THOMPSONS RESUB OF, THOMPSONS ADD 525 ARROYO DR DURANGO 81301
Legal Subdivision	THOMPSONS 2ND RESUB
Legal Block	2
Legal Lot Number	15
Jurisdiction	LA PLATA CO
Township / Civil Division	DURANGO
Census Block Group	2
Census Block	2021
Census Tract	971000

Owner

525 Arroyo Dr is owned and occupied by two individuals who bought it in February 2020.

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	525 ARROYO DR, DURANGO, CO 81301-5803
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Feb 14, 2020	Special Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 19, 2019	Loan Modification, Mortgage BANK OF CO
Oct 19, 2018	Trustee's Deed, Construction Loan · Line of Credit BANK OF CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2020 · Amount on File
Deed Sale	Feb 14, 2020 · Amount on File
Prior Sale	Oct 11, 1995 · Amount on File
Deed Document Number	20201167857
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	525 ARROYO DR, DURANGO, CO 81301-5803
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001179580
Date	Oct 15, 2020
Instrument	1179580

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

February 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	LA PLATA CO
Recording Date	Feb 14, 2020
Property Address	525 ARROYO DR, DURANGO, CO 81301-5803
Document Number	0001167857
Map Reference	DOC 698394
Instrument Date	Feb 14, 2020
Instrument	1167857
Transaction Type	Transfer
Record Updated	Mar 22, 2022
Title Company	LAND TITLE GUARANTEE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$51.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	357 HORSE THIEF LN, 357, DURANGO, CO 81301-3106

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	525 ARROYO DR, DURANGO, CO 81301-5803

Mortgage

Document Number	0001167858
Date	Feb 14, 2020
Instrument	1167858

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

November 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	LA PLATA CO
Property Address	525 ARROYO DR, DURANGO, CO 81301-5803
Document Number	0001165082
Instrument Date	Nov 19, 2019
Transaction Type	Mortgage
Record Updated	Dec 13, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	357 HORSE THIEF LN DURANGO CO 813013106, DURANGO, CO 81301-3106

Mortgage

Document Number	0001165082
Date	Dec 3, 2019
Instrument	1165082

Lender

Name	BANK OF CO
Type	Bank
Address	DURANGO, CO 81301

Agreement

Term	36 Months
Due	Dec 2, 2022

October 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	LA PLATA CO
Recording Date	Oct 19, 2018
Property Address	525 ARROYO DR, DURANGO, CO 81301-5803
Instrument Date	Oct 19, 2018
Instrument	1149570
Transaction Type	Construction Loan
Record Updated	Dec 13, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	357 HORSE THIEF LN DURANGO CO 813013106, DURANGO, CO 81301-3106

Mortgage

Document Number	0001149570
Date	Oct 19, 2018
Instrument	1149570

Lender

Name	BANK OF CO
Type	Bank
Address	DURANGO, CO 81301

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Oct 18, 2019

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 525 Arroyo Dr was $2,567.

Source: La Plata County assessment roll, as of July 20, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	La Plata County
Municipality	Durango City
Unified School District	Durango School District 9-R (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$47,990 (-1.01%) Land $13,750 Building $34,240	$775,670 (-) Land $222,190 Building $553,480
2025	$2,567.00	$48,480 Land $13,890 Building $34,590	$775,670 Land $222,190 Building $553,480
2023	$1,639.00 (+19.99%)	$40,800 (+21.39%) Land $10,310 Building $30,490	$609,030 (+25.95%) Land $153,910 Building $455,120
2022	$1,366.00	$33,610 Land $9,720 Building $23,890	$483,550 Land $139,840 Building $343,710

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 525 Arroyo Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective April 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 22 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	22 in force
Nearby Flood Claims	1 (1983)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 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

Wildfire risk around 525 Arroyo Dr is moderate, ranking above 66% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 66% of the US · above 58% of Colorado
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect 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 DURANGO serves 33,787 people · EPA ID CO0134150
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 392 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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