La Plata County property record for 852 Waterfall Ln, Durango, CO 81301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,406 sqft · built 1994 |
| Lot Size | 0.157 acres (6,839 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $331,000 (Aug 2019) |
| Tax Bill | $1,769 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Aug 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5597-284-02-015 |
| Primary APN | 5597-284-02-015 |
|---|---|
| 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 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Conventional |
| Lot Area | 6,839 sqft (0.157 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Unfinished Open Porch |
| Porch Area | 224 sqft |
| Heating System | Radiant |
|---|
| Account Number | R417582 |
|---|---|
| Street Address | 852 WATERFALL LN |
| City | DURANGO |
| State | CO |
| Zip | 81301-3739 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBDIVISION: WATERFALL VILLAGE P1 BLOCK: 0 LOT: 15 WATERFALL VILLAGE PUD PHASE, III - PROJ 93-242 852 WATERFALL LN DURANGO 81301 |
| Legal Subdivision | WATERFALL VILLAGE P1 |
| Legal Block | 3 |
| Legal Lot Number | 15 |
| Jurisdiction | LA PLATA CO |
| Township / Civil Division | DURANGO |
| Census Block Group | 3 |
| Census Block | 3017 |
| Census Tract | 970703 |
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 | 852 WATERFALL LN, DURANGO, CO 81301-3739 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLANAGAN STATE BANK |
| Aug 23, 2019 | Special Warranty Deed, Transfer HOMESFUND |
| Nov 19, 2018 | Grant Deed, Transfer LAND TITLE GUARANTEE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 23, 2019 · Amount on Record |
| Deed Sale | Aug 23, 2019 · Amount on Record |
| Prior Sale | Sep 1, 2015 · Amount on Record |
| Deed Document Number | 20191160640 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LA PLATA CO |
| Property Address | 852 WATERFALL LN, DURANGO, CO 81301-3739 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LAND TITLE GUARANTEE CO |
| Name | Verified Name |
|---|
| Document Number | 0001178675 |
|---|---|
| Date | Sep 30, 2020 |
| Instrument | 1178675 |
| Name | FLANAGAN STATE BANK |
|---|---|
| Type | Bank |
| Address | PAW PAW, IL 61353 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | LA PLATA CO |
| Recording Date | Aug 23, 2019 |
| Property Address | 852 WATERFALL LN, DURANGO, CO 81301-3739 |
| Document Number | 0001160640 |
| Map Reference | DOC 669297 |
| Instrument Date | Aug 22, 2019 |
| Instrument | 1160640 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2022 |
| Title Company | LAND TITLE GUARANTEE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $33.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 852 WATERFALL LN, DURANGO, CO 81301-3739 |
| Document Number | 0001160734 |
|---|---|
| Date | Aug 23, 2019 |
| Instrument | 1160734 |
| Name | HOMESFUND |
|---|---|
| Type | Lending Institution |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 22, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | LA PLATA CO |
| Recording Date | Nov 19, 2018 |
| Property Address | 852 WATERFALL LN, DURANGO, CO 81301-3739 |
| Document Number | 0001150755 |
| Instrument Date | Nov 19, 2018 |
| Instrument | 1150755 |
| Transaction Type | Transfer |
| Record Updated | Dec 3, 2018 |
| Title Company | LAND TITLE GUARANTEE |
| Amount | Amount Recorded |
|---|---|
| Tax | $17.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 485 GRAPE AVE BOULDER CO 803042118, BOULDER, CO 80304-2118 |
Source: La Plata County assessment roll, as of July 20, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | La Plata County |
| Unified School District | Durango School District 9-R (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $30,850 (-2.13%) Land $5,170 Building $25,680 | $504,250 (-) Land $84,560 Building $419,690 | |
| 2025 | $1,769.00 (+29.31%) | $31,520 (+16.14%) Land $5,290 Building $26,230 | $504,250 (+24.48%) Land $84,560 Building $419,690 |
| 2024 | $1,368.00 (+16.23%) | ||
| 2023 | $1,177.00 (+15.05%) | $27,140 (+16.28%) Land $4,380 Building $22,760 | $405,090 (+20.65%) Land $65,370 Building $339,720 |
| 2022 | $1,023.00 | $23,340 Land $3,900 Building $19,440 | $335,770 Land $56,100 Building $279,670 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 79% of the US · above 80% of Colorado |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF DURANGO serves 33,787 people · EPA ID CO0134150 |
|---|---|
| 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, 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.
Source: FCC Broadband Data Collection, based on 61 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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