La Plata County property record for 56 Saddle Ln, Durango, CO 81301 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,746 sqft · built 1976 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $488,000 (Sep 2019) |
| Tax Bill | $2,217 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Jan 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5597-163-02-002 |
| Primary APN | 5597-163-02-002 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,746 sqft Living Area |
| Basement Area | 580 sqft |
| Finished Basement | 580 sqft |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Modern |
| Lot Area | 43,560 sqft |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Deck Area | Deck Area |
| Patio Area | 772 sqft |
| Heating System | Radiant |
|---|---|
| Heating Fuel | Electric |
| Account Number | R006657 |
|---|---|
| Street Address | 56 SADDLE LN |
| City | DURANGO |
| State | CO |
| Zip | 81301-8513 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISION: FALLS CREEK I,II,III BLOCK: 0 LOT: 24 1986 AMENDED PLAT 56 SADDLE LN DURANGO 81301 |
| Legal Subdivision | FALLS CREEK I,II,III |
| Legal Block | 1 |
| Legal Lot Number | 24 |
| Jurisdiction | LA PLATA CO |
| Township / Civil Division | DURANGO |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 970701 |
Source: La Plata County records · APN 5597-163-02-002
Assessment roll updated July 20, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 56 SADDLE LN, DURANGO, CO 81301-8513 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 04, 2026 | Deed of Trust, Mortgage · Line of Credit U S BANK N A |
| Jan 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Sep 18, 2019 | Special Warranty Deed, Transfer · Conventional Mortgage BANK OF THE SAN JUANS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 18, 2019 · Amount on Record |
| Deed Sale | Sep 18, 2019 · Amount on Record |
| Deed Document Number | 20191161754 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LA PLATA CO |
| Recording Date | Jun 04, 2026 |
| Property Address | 56 SADDLE LN, DURANGO, CO 81301-8513 |
| Document Number | 0001254851 |
| Instrument Date | Mar 02, 2026 |
| Instrument | 20261254851 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 56 SADDLE LN, DURANGO, CO 81301-8513 |
| Document Number | 0001254851, |
|---|---|
| Date | Jun 04, 2026 |
| Instrument | 20261254851 |
| Name | U S BANK N A |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 10, 2056 |
| Rate | 6.1% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LA PLATA CO |
| Property Address | 56 SADDLE LN, DURANGO, CO 81301-8513 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0001185900 |
|---|---|
| Date | Jan 28, 2021 |
| Instrument | 1185900 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | LA PLATA CO |
| Recording Date | Sep 18, 2019 |
| Property Address | 56 SADDLE LN, DURANGO, CO 81301-8513 |
| Document Number | 0001161754 |
| Map Reference | DOC 541554 |
| Instrument Date | Sep 13, 2019 |
| Instrument | 1161754 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2022 |
| Title Company | COLORADO TTL & CLOSING SVCS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $48.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 56 SADDLE LN, DURANGO, CO 81301-8513 |
| Document Number | 0001161755 |
|---|---|
| Date | Sep 18, 2019 |
| Instrument | 1161755 |
| Name | BANK OF THE SAN JUANS |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2049 |
Source: La Plata County records · Assessment roll updated July 20, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | La Plata County |
| Unified School District | Durango School District 9-R (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $38,890 (-2.06%) Land $16,250 Building $22,640 | $635,430 (-) Land $265,500 Building $369,930 | |
| 2025 | $2,217.00 (+56.13%) | $39,710 (+20.3%) Land $16,590 Building $23,120 | $635,430 (+28.97%) Land $265,500 Building $369,930 |
| 2023 | $1,420.00 (+7.25%) | $33,010 (+8.41%) Land $14,010 Building $19,000 | $492,680 (+12.47%) Land $209,150 Building $283,530 |
| 2022 | $1,324.00 | $30,450 Land $13,140 Building $17,310 | $438,050 Land $189,000 Building $249,050 |
Source: FEMA National Flood Hazard Layer, La Plata County (08067C), updated April 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 080679707011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 10 individual NFIP policies nearby |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 5 (1980–2014) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | Sep 2014 |
| Wildfire Risk | High above 88% of the US · above 92% of Colorado |
|---|---|
| Wildfire Likelihood | About 1 in 187 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 39 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Verizon | Fixed Wireless | 300 / 20 |
| Visionary Communications | Fixed Wireless (licensed-by-rule) | 25 / 5 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Lumen Technologies, AlignTec. Availability varies by address; speeds are provider-advertised maximums, not measured.
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