55 Saddle Trl, Durango, CO 81301 Property Records

La Plata County property record for 55 Saddle Trl, Durango, CO 81301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 3,674 sqft · built 1984
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Jul 2014)
Tax Bill	$3,094 (2025)
Deeds & Mortgages	Dec 2020 Second Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5671-062-01-001`

Property Details

APN / Parcel Number

Primary APN	`5671-062-01-001`
Alternative APN	`R016535`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	3,674 sqft Living Area
Basement Area	1,206 sqft
Finished Basement	1,206 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Bi-Level
Lot Area	217,800 sqft
Garage Type	Basement
Garage Area	678 sqft

Exterior Amenities

Porch	Enclosed/Finished Porch
Porch Area	272 sqft
Deck Area	Deck Area
Patio Area	648 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Account Number	R016535
Street Address	55 SADDLE TRL
City	DURANGO
State	CO
Zip	81301-9470
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION: DURANGO HILLS S/D BLOCK: 0 LOT: TR03 DGO HILLS PROJ #2 55 SADDLE TRL DURANGO 81301
Legal Subdivision	DURANGO HILLS S/D
Legal Tract	03
Legal Block	2
Legal Lot Number	TR03
Jurisdiction	LA PLATA CO
Township / Civil Division	DURANGO
Census Block Group	2
Census Block	2000
Census Tract	970703

Owner

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	503 SEAPORT CT, 105, REDWOOD CITY, CA 94063-5566
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage THIRD FSLA OF CLEVELAND
May 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2014 · Amount on Record
Deed Sale	Jul 31, 2014 · Amount on Record
Prior Sale	Nov 9, 1993 · Amount on Record
Deed Document Number	20141084594
Prior Transfer Date	Sep 26, 2006
Prior Transfer Doc	0000942835
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	55 SADDLE TRL, DURANGO, CO 81301-9470
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001183328
Date	Dec 15, 2020
Instrument	1183328

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 7, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	55 SADDLE TRL, DURANGO, CO 81301-9470
Document Number	0001172910
Instrument Date	May 18, 2020
Transaction Type	Mortgage
Record Updated	Jul 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	55 SADDLE TRL DURANGO CO 813019470, DURANGO, CO 81301-9470

Mortgage

Document Number	0001172910
Date	Jun 22, 2020
Instrument	1172910

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2050

Tax Assessment & Valuation

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		$47,450 (+14.89%) Land $12,000 Building $35,450	$767,840 (+16.19%) Land $194,250 Building $573,590
2025	$3,094.00 (+58.26%)	$41,300 (+25.46%) Land $12,140 Building $29,160	$660,850 (+34.5%) Land $194,250 Building $466,600
2023	$1,955.00 (+10.76%)	$32,920 (+16.45%) Land $9,600 Building $23,320	$491,330 (+20.8%) Land $143,220 Building $348,110
2022	$1,765.00	$28,270 Land $8,090 Building $20,180	$406,720 Land $116,380 Building $290,340

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

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

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

Wildfire Risk	Very High above 92% 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Visionary Broadband Fixed Wireless	100 / 20
AlignTec Fixed Wireless	50 / 25

May also be available: CenturyLink, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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