548 Kaley St, Fruita, CO 81521 Property Records

Mesa County property record for 548 Kaley St, Fruita, CO 81521

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,461 sqft · built 2001
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$270,000 (Jan 2019)
Tax Bill	$2,199 (2025)
Deeds & Mortgages	Aug 2019 Line of Credit Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2697-201-18-013`

Property Details

APN / Parcel Number

Primary APN	`2697-201-18-013`
Alternative APN	`R013339`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,461 sqft Living Area
Gross Area	2,179 sqft
1st Floor Area	1,461 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	718 sqft
Porch	Slab
Porch Area	238 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	R013339
Street Address	548 KALEY ST
City	FRUITA
State	CO
Zip	81521-2291
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 BLK 1 STONE MOUNTAIN ESTATES FILING ONE SEC 20 1N 2W & AN UND INT IN TRACTS - 0.22AC
Legal Range	002
Legal Township	01N
Legal Section	20
Legal Subdivision	STONE MOUNTAIN ESTATES FILING ONE
Legal Block	1
Legal Lot Number	5
Jurisdiction	MESA CO
Township / Civil Division	FRUITA
Census Block Group	1
Census Block	1001
Census Tract	1504

Owner

548 Kaley St is owned and occupied by two individuals who bought it in January 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	548 KALEY ST, FRUITA, CO 81521-2291
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Aug 23, 2019	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jan 2, 2019	Warranty Deed, Transfer · ARM US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2019 · Amount on File
Deed Sale	Jan 2, 2019 · Amount on File
Prior Sale	Jan 30, 2012 · Amount on File
Deed Document Number	20192865961
Prior Transfer Date	Mar 15, 2007
Prior Transfer Doc	0002391538
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MESA CO
Property Address	548 KALEY ST, FRUITA, CO 81521-2291
Transaction Type	Mortgage
Record Updated	Jun 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002892268
Date	Aug 23, 2019
Instrument	2892268

Lender

Name	US BANK NA
Type	Bank
Address	OSHKOSH, WI 54902

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 6, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MESA CO
Recording Date	Jan 2, 2019
Property Address	548 KALEY ST, FRUITA, CO 81521-2291
Document Number	0002865961
Instrument Date	Dec 31, 2018
Instrument	2865961
Transaction Type	Transfer
Record Updated	Mar 1, 2022
Title Company	HERITAGE TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$27.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	PO BOX 3564, GRAND JUNCTION, CO 81502-3564

Mortgage

Document Number	0002865962
Date	Jan 2, 2019
Instrument	2865962

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Jan 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.12%
Index	1-Year CMT
Max Rate	9.12%

Tax Assessment & Valuation

The 2025 property tax bill for 548 Kaley St was $2,199, up 22% from the year before.

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	$2,199.00 (+22.03%)	$26,400 (+20.11%) Land $6,810 Building $19,590	$422,480 Land $109,000 Building $313,480
2024	$1,802.00 (+0.56%)	$21,980 (-) Land $5,620 Building $16,360
2023	$1,792.00 (+11.93%)	$21,980 (+13.83%) Land $5,620 Building $16,360	$328,120 Land $83,930 Building $244,190
2022	$1,601.00	$19,310 Land $4,170 Building $15,140
2021			$277,890 Land $60,000 Building $217,890

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 548 Kaley St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 548 Kaley St is low, with a 0.02% annual chance of 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	0.02% 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 273 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Clearnetworx Fiber	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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