650 Hermosa Cliffs Rd, Durango, CO 81301 Property Records

La Plata County property record for 650 Hermosa Cliffs Rd, Durango, CO 81301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.75 ba · 3,759 sqft · built 2003
Lot Size	3.68 acres (160,301 sqft)
Owner	2 Individual Names on Record
Last Sale	$940,000 (Mar 2018)
Tax Bill	$6,146 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5089-354-01-043`

Property Details

APN / Parcel Number

Primary APN	`5089-354-01-043`
Alternative APN	`R425370`

Interior

Bedrooms	3 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,759 sqft Living Area
Gross Area	4,499 sqft
Basement Area	444 sqft
Finished Basement	444 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Contemporary
Lot Area	160,301 sqft
Garage Type	Attached
Garage Area	740 sqft

Exterior Amenities

Porch	Unfinished Open Porch
Porch Area	1,173 sqft
Deck Area	Deck Area
Patio Area	203 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	R425370
Street Address	650 HERMOSA CLIFFS RD
City	DURANGO
State	CO
Zip	81301-9700
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION: 35 TOWNSHIP: 39 RANGE: 9 TR IN SW/4 SE/4 SUBDIVISION: HERMOSA CLIFFS RANCH PREVIOUSLY KNOWN AS TR 12-B & 12-C HERMOSA CLIFFS RANCHEROS 650 HERMOSA CLIFFS RD DURANGO 81301
Legal Range	09
Legal Township	39
Legal Section	35
Legal Subdivision	HERMOSA CLIFFS RANCH
Legal Tract	12
Legal Block	2
Jurisdiction	LA PLATA CO
Township / Civil Division	DURANGO
Census Block Group	2
Census Block	2000
Census Tract	970705

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	650 HERMOSA CLIFFS RD, DURANGO, CO 81301-9700
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Mar 12, 2018	Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2018 · Amount on Record
Deed Sale	Mar 12, 2018 · Amount on Record
Deed Document Number	20181140596
Prior Transfer Date	Aug 30, 2010
Prior Transfer Doc	0000019374
Record Updated	Sep 20, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	650 HERMOSA CLIFFS RD, DURANGO, CO 81301-9700
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001180910
Date	Nov 4, 2020
Instrument	1180910

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA PLATA CO
Recording Date	Mar 12, 2018
Property Address	650 HERMOSA CLIFFS RD, DURANGO, CO 81301-9700
Document Number	0001140596
Instrument Date	Mar 12, 2018
Instrument	1140596
Transaction Type	Transfer
Record Updated	Mar 22, 2022
Title Company	LAND TITLE GUARANTEE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$94.89
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	8444 LOWER MISSION VALLEY RD, VICTORIA, TX 77905-2705

Mortgage

Document Number	0001140597
Date	Mar 12, 2018
Instrument	1140597

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

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		$117,110 (+4.54%) Land $31,400 Building $85,710	$1,792,260 (-) Land $480,600 Building $1,311,660
2025	$6,146.00 (+57.51%)	$112,020 (+40.75%) Land $30,040 Building $81,980	$1,792,260 (+50.88%) Land $480,600 Building $1,311,660
2024	$3,902.00 (+16.79%)
2023	$3,341.00 (+9.51%)	$79,590 (+10.74%) Land $18,560 Building $61,030	$1,187,870 (+14.87%) Land $276,980 Building $910,890
2022	$3,051.00	$71,870 Land $13,430 Building $58,440	$1,034,100 Land $193,200 Building $840,900

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
Flood Insurance Cost	Premium on Record median of 20 policies
Nearby Flood Policies	20 in force
Nearby Flood Claims	2 (2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Jul 2018 · 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	Moderate above 67% of the US · above 59% of Colorado
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
CenturyLink DSL	40 / 5

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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