La Plata County property record for 732 Waterfall Ln, Durango, CO 81301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,406 sqft · built 1997 |
| Lot Size | 0.158 acres (6,882 sqft) |
| Owner | Company Name on File |
| Last Sale | $445,000 (Jul 2021) |
| Tax Bill | $1,832 (2025) |
| Deeds & Mortgages | May 2023 Transfer Jul 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5597-284-02-003 |
| Primary APN | 5597-284-02-003 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,406 sqft Living Area |
| Gross Area | 1,847 sqft |
| 1st Floor Area | 1,406 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Conventional |
| Lot Area | 6,882 sqft (0.158 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 182 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | R417570 |
|---|---|
| Street Address | 732 WATERFALL LN |
| City | DURANGO |
| State | CO |
| Zip | 81301-3738 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISION: WATERFALL VILLAGE P1 BLOCK: 0 LOT: 3 WATERFALL VILLAGE PUD PHASE, III - PROJ 93-242 732 WATERFALL LN DURANGO 81301 |
| Legal Subdivision | WATERFALL VILLAGE P1 |
| Legal Block | 3 |
| Legal Lot Number | 3 |
| Jurisdiction | LA PLATA CO |
| Township / Civil Division | DURANGO |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 970703 |
Source: La Plata County records · APN 5597-284-02-003
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 | Company Name on File |
|---|---|
| Mailing Address | 575 SILVER SADDLE RD, MONUMENT, CO 80132-8089 |
| Owner Type | Company |
| Vesting | Trust, Family Trust |
| Date | Document |
|---|---|
| May 17, 2023 | Intrafamily Transfer, Transfer |
| Jul 08, 2021 | Special Warranty Deed, Transfer · Conventional Mortgage BAY EQUITY LLC |
| May 04, 2020 | Warranty Deed, Transfer · Conventional Mortgage STEARNS LENDING LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 08, 2021 · Amount on Record |
| Deed Sale | Jul 08, 2021 · Amount on Record |
| Prior Sale | May 04, 2020 · Amount on Record |
| Deed Document Number | 20211195626 |
| Prior Transfer Date | Feb 03, 2016 |
| Prior Transfer Doc | 0001108155 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | LA PLATA CO |
| Recording Date | May 17, 2023 |
| Property Address | 732 WATERFALL LN, DURANGO, CO 81301-3738 |
| Document Number | 0001221929 |
| Map Reference | DOC 669297 |
| Instrument Date | May 16, 2023 |
| Instrument | 1221929 |
| Transaction Type | Transfer |
| Record Updated | Jun 01, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 575 SILVER SADDLE RD, MONUMENT, CO 80132-8089 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | LA PLATA CO |
| Recording Date | Jul 08, 2021 |
| Property Address | 732 WATERFALL LN, DURANGO, CO 81301-3738 |
| Document Number | 0001195626 |
| Map Reference | REC 669297 |
| Instrument Date | Jun 07, 2021 |
| Instrument | 1195626 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2021 |
| Title Company | LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $44.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 732 WATERFALL LN, 732, DURANGO, CO 81301-3738 |
| Name | Verified Name |
|---|---|
| Address | 575 SILVER SADDLE RD, MONUMENT, CO 80132-8089 |
| Document Number | 0001195627 |
|---|---|
| Date | Jul 08, 2021 |
| Instrument | 1195627 |
| Name | BAY EQUITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LA PLATA CO |
| Recording Date | May 04, 2020 |
| Property Address | 732 WATERFALL LN, DURANGO, CO 81301-3738 |
| Document Number | 0001170830 |
| Map Reference | DOC 669297 |
| Instrument Date | Apr 30, 2020 |
| Instrument | 1170830 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2022 |
| Title Company | LAND TITLE GUARANTEE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $33.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 732 WATERFALL LN, 732, DURANGO, CO 81301-3738 |
| Name | Verified Name |
|---|---|
| Address | 732 WATERFALL LN, DURANGO, CO 81301-3738 |
| Document Number | 0001170831 |
|---|---|
| Date | May 04, 2020 |
| Instrument | 1170831 |
| Name | STEARNS LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2050 |
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 | $31,950 (-2.11%) Land $5,170 Building $26,780 | $522,100 (-) Land $84,560 Building $437,540 | |
| 2025 | $1,832.00 (+48.94%) | $32,640 (+15.09%) Land $5,290 Building $27,350 | $522,100 (+23.31%) Land $84,560 Building $437,540 |
| 2023 | $1,230.00 (+17.82%) | $28,360 (+19.06%) Land $4,400 Building $23,960 | $423,390 (+23.54%) Land $65,710 Building $357,680 |
| 2022 | $1,044.00 | $23,820 Land $3,900 Building $19,920 | $342,720 Land $56,100 Building $286,620 |
Source: FEMA National Flood Hazard Layer as of April 25, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 21 policies |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 3 (1981–2014) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Dec 2014 · other causes |
| Wildfire Risk | High above 79% of the US · above 80% of Colorado |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| 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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
Based on FCC filings for 61 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF DURANGO serves 33,787 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2025 |
| Lead | 3 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.
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