684 Hermosa Cliffs Rd, Durango, CO 81301 Property Records

La Plata County property record for 684 Hermosa Cliffs Rd, Durango, CO 81301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.75 ba · 2,983 sqft · built 1986
Lot Size	2.48 acres (108,464 sqft)
Owner	2 Individual Names on Record
Last Sale	$794,000 (Oct 2018)
Tax Bill	$4,657 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`5089-354-01-014`

Property Details

APN / Parcel Number

Primary APN	`5089-354-01-014`
Alternative APN	`R012319`

Interior

Bedrooms	3 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	2,983 sqft Living Area
Gross Area	3,256 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Contemporary
Lot Area	108,464 sqft
Garage Type	Attached
Garage Area	273 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	138 sqft
Patio Area	1,198 sqft

Utilities, Heating & Cooling

Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Account Number	R012319
Street Address	684 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/4SE/4 SUBDIVISION: HERMOSA CLIFFS RANCH LOT: 11-A TR 11-A (AKA KNOW YOUR NEIGHBORS) 684 HERMOSA CLIFFS RD DURANGO 81301
Legal Range	09
Legal Township	39
Legal Section	35
Legal Subdivision	HERMOSA CLIFFS RANCH
Legal Tract	11
Legal Block	2
Legal Lot Number	11
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	6539 S GARY AVE, TULSA, OK 74136-1206
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Deed of Trust, Mortgage · Line of Credit GRAND BANK
Mar 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRIAD BANK
Mar 31, 2021	Deed of Trust, Mortgage · Commercial Mortgage TRIAD BANK NA
Oct 1, 2018	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2018 · Amount on Record
Deed Sale	Oct 1, 2018 · Amount on Record
Prior Sale	May 6, 1994 · Amount on Record
Deed Document Number	20181148683
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Recording Date	Apr 22, 2026
Property Address	684 HERMOSA CLIFFS RD, DURANGO, CO 81301-9700
Document Number	0001253482
Instrument Date	Apr 15, 2026
Instrument	20261253482
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	684 HERMOSA CLIFFS RD, DURANGO, CO 81301-9700

Mortgage

Document Number	0001253482,
Date	Apr 22, 2026
Instrument	20261253482

Lender

Name	GRAND BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	May 1, 2031

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	684 HERMOSA CLIFFS RD, DURANGO, CO 81301-9700
Transaction Type	Mortgage
Record Updated	Apr 14, 2021
Title Company	T TITLE DURANGO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001189678
Date	Mar 31, 2021
Instrument	1189678

Lender

Name	TRIAD BANK
Type	Bank
Address	TULSA, OK 74153

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	684 HERMOSA CLIFFS RD, DURANGO, CO 81301-9700
Transaction Type	Mortgage
Record Updated	Apr 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001189679
Date	Mar 31, 2021
Instrument	1189679

Lender

Name	TRIAD BANK NA
Type	Bank
Address	TULSA, OK 74153

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

Interest

Rate Type	Adjustable Rate

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA PLATA CO
Recording Date	Oct 1, 2018
Property Address	684 HERMOSA CLIFFS RD, DURANGO, CO 81301-9700
Document Number	0001148683
Instrument Date	Sep 28, 2018
Instrument	1148683
Transaction Type	Transfer
Record Updated	Mar 22, 2022
Title Company	COLORADO TITLE & CLOSING SER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$79.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	13423 S 68TH EAST AVE, BIXBY, OK 74008-8265

Mortgage

Document Number	0001148684
Date	Oct 1, 2018
Instrument	1148684

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 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		$87,590 (+3.2%) Land $27,690 Building $59,900	$1,358,000 (-) Land $429,300 Building $928,700
2025	$4,657.00 (+55.6%)	$84,870 (+39.02%) Land $26,830 Building $58,040	$1,358,000 (+49.02%) Land $429,300 Building $928,700
2024	$2,993.00 (+16.78%)
2023	$2,563.00 (+10.05%)	$61,050 (+11.26%) Land $18,510 Building $42,540	$911,260 (+15.43%) Land $276,280 Building $634,980
2022	$2,329.00	$54,870 Land $13,570 Building $41,300	$789,480 Land $195,300 Building $594,180

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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