650 Divide Rd, Whitewater, CO 81527 Property Records

Mesa County property record for 650 Divide Rd, Whitewater, CO 81527

Property Summary

Property Type	Farm - Irrigated or Dry
Details	2 bd · 2.75 ba · 2,970 sqft · built 2001
Lot Size	41 acres (1,789,009 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,291 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2021 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`2969-364-00-456`

Property Details

APN / Parcel Number

Primary APN	`2969-364-00-456`
Alternative APN	`R077465`

Interior

Bedrooms	2 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,970 sqft Gross Area
1st Floor Area	2,394 sqft
Upper Floors Area	576 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Bi-Level
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,789,009 sqft (41 acres)

Exterior Amenities

Porch	Slab
Porch Area	1,117 sqft
Deck Area	Deck Area
Patio Area	214 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Radiant
Heating Fuel	Gas

Location & Zoning

Account Number	R077465
Street Address	650 DIVIDE RD
City	WHITEWATER
State	CO
Zip	81527-9669
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Farm - Irrigated or Dry
Legal Description	PARCEL 1 POLLEY SIMPLE LAND DIVISION SEC 36 2S 2E & SEC 11 13S 98W - 41.07AC
Legal Range	002
Legal Township	02S
Legal Section	36
Legal Subdivision	POLLEY SIMPLE LAND DIVISION
Legal Lot Number	456
Jurisdiction	MESA CO
Township / Civil Division	WHITEWATER-KANNAH CREEK
Census Block Group	2
Census Block	2019
Census Tract	1900

Owner

Source: Mesa County records, as of May 6, 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	650 DIVIDE RD, WHITEWATER, CO 81527-9669
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage CREDIT UNION OF COLORADO
Nov 30, 2021	Deed of Trust, Mortgage · Line of Credit CREDIT UNION OF COLORADO
Jan 7, 2019	Deed of Trust, Mortgage · Line of Credit CREDIT UNION OF COLORADO
Dec 12, 2019	Deed of Trust, Mortgage · Line of Credit CREDIT UNION OF COLORADO
Oct 5, 2020	Correction Deed, Transfer NOT AVAILABLE
Oct 5, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 25, 2020
Transfer Doc	0002945953
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MESA CO
Property Address	650 DIVIDE RD, WHITEWATER, CO 81527-9669
Transaction Type	Mortgage
Record Updated	Dec 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003009536
Date	Nov 29, 2021
Instrument	3009536

Lender

Name	CREDIT UNION OF COLORADO
Type	Credit Union
Address	DENVER, CO 80203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2031

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MESA CO
Property Address	650 DIVIDE RD, WHITEWATER, CO 81527-9669
Transaction Type	Mortgage
Record Updated	Dec 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003009688
Date	Nov 30, 2021
Instrument	3009688

Lender

Name	CREDIT UNION OF COLORADO
Type	Credit Union
Address	DENVER, CO 80203

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 29, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MESA CO
Property Address	650 DIVIDE RD, WHITEWATER, CO 81527-9669
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002866214
Date	Jan 7, 2019
Instrument	2866214

Lender

Name	CREDIT UNION OF COLORADO
Type	Credit Union
Address	DENVER, CO 80203

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 6, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MESA CO
Property Address	650 DIVIDE RD, WHITEWATER, CO 81527-9669
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002906213
Date	Dec 12, 2019
Instrument	2906213

Lender

Name	CREDIT UNION OF COLORADO
Type	Credit Union
Address	DENVER, CO 80203

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 11, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	MESA CO
Recording Date	Oct 5, 2020
Property Address	650 DIVIDE RD, WHITEWATER, CO 81527-9669
Document Number	0002945954
Instrument Date	Oct 1, 2020
Instrument	2945954
Transaction Type	Transfer
Record Updated	May 11, 2021
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	650 DIVIDE RD WHITEWATER CO 815279669, WHITEWATER, CO 81527-9669

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MESA CO
Recording Date	Oct 5, 2020
Property Address	650 DIVIDE RD, WHITEWATER, CO 81527-9669
Document Number	0002945953
Instrument Date	Aug 25, 2020
Instrument	2945953
Transaction Type	Transfer
Record Updated	Oct 23, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	650 DIVIDE RD WHITEWATER CO 815279669, WHITEWATER, CO 81527-9669

Tax Assessment & Valuation

Source: Mesa County assessment roll, as of April 8, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Mesa County
Unified School District	Mesa County Valley School District 51 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,291.00 (+147.32%)	$24,340 (+72.99%) Land $850 Building $23,490	$378,960 (+88.84%) Land $3,130 Building $375,830
2024	$522.00 (+0.38%)	$14,070 (-) Land $830 Building $13,240
2023	$520.00 (-50.99%)	$14,070 (-35.84%) Land $830 Building $13,240	$200,680 (-34.68%) Land $3,110 Building $197,570
2022	$1,061.00	$21,930 Land $780 Building $21,150
2021			$307,210 Land $2,940 Building $304,270

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

Flood

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	1 in force
Nearby Flood Claims	2 (2011–2015)
Most Recent Claim	Jul 2015 · rainfall accumulation

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	Low lower than 63% of the US · lower than 80% of Colorado
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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