820 Waterfall Ln, Durango, CO 81301 Property Records

La Plata County property record for 820 Waterfall Ln, Durango, CO 81301 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,424 sqft · built 1995
Lot Size	0.157 acres (6,839 sqft)
Owner	Individual Name on File
Last Sale	$341,000 (May 2017)
Tax Bill	$1,791 (2025)
Deeds & Mortgages	Jun 2020 Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5597-284-02-012`

Property Details

APN / Parcel Number

Primary APN	`5597-284-02-012`
Alternative APN	`R417579`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,424 sqft Living Area
Gross Area	1,865 sqft
1st Floor Area	1,424 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Conventional
Lot Area	6,839 sqft (0.157 acres)
Garage Type	Attached
Garage Area	441 sqft
Porch	Unfinished Open Porch
Porch Area	172 sqft
Patio Area	179 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	R417579
Street Address	820 WATERFALL LN
City	DURANGO
State	CO
Zip	81301-3761
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION: WATERFALL VILLAGE P1 BLOCK: 0 LOT: 12 WATERFALL VILLAGE PUD PHASE, III - PROJ 93-242 820 WATERFALL LN DURANGO 81301
Legal Subdivision	WATERFALL VILLAGE P1
Legal Block	3
Legal Lot Number	12
Jurisdiction	LA PLATA CO
Township / Civil Division	DURANGO
Census Block Group	3
Census Block	3017
Census Tract	970703

Owner

Source: La Plata County records · APN 5597-284-02-012

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	Individual Name on File
Mailing Address	820 WATERFALL LN, DURANGO, CO 81301-3761
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP
May 01, 2017	Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 01, 2017 · Amount on Record
Deed Sale	May 01, 2017 · Amount on Record
Prior Sale	Jan 13, 2012 · Amount on Record
Deed Document Number	20171127434
Prior Transfer Date	Aug 15, 2008
Prior Transfer Doc	0000982300
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	820 WATERFALL LN, DURANGO, CO 81301-3761
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	LAND TITLE GUARANTEE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001172981
Date	Jun 24, 2020
Instrument	1172981

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2050

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LA PLATA CO
Recording Date	May 01, 2017
Property Address	820 WATERFALL LN, DURANGO, CO 81301-3761
Document Number	0001127434
Instrument Date	Apr 28, 2017
Instrument	1127434
Transaction Type	Transfer
Record Updated	Mar 22, 2022
Title Company	LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 WATERFALL LN, DURANGO, CO 81301-3761
Investor	Possibly a Property Investor

Mortgage

Document Number	0001127435
Date	May 01, 2017
Instrument	1127435

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2047

Tax Assessment & Valuation

Source: La Plata County records · Assessment roll updated July 20, 2026 · Last verified July 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

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		$31,230 (-2.1%) Land $5,170 Building $26,060	$510,350 (-) Land $84,560 Building $425,790
2025	$1,791.00 (+50.38%)	$31,900 (+16.17%) Land $5,290 Building $26,610	$510,350 (+24.54%) Land $84,560 Building $425,790
2023	$1,191.00 (+15.3%)	$27,460 (+16.5%) Land $4,390 Building $23,070	$409,780 (+20.82%) Land $65,460 Building $344,320
2022	$1,033.00	$23,570 Land $3,900 Building $19,670	$339,160 Land $56,100 Building $283,060

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, La Plata County (08067C), updated April 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 080679707033, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 21 individual NFIP policies nearby
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

Wildfire Risk	High above 79% of the US · above 81% of Colorado
Wildfire Likelihood	About 1 in 216 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 61 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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