Mesa County property record for 915 20 Rd, Fruita, CO 81521
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,754 sqft · built 1991 |
| Lot Size | 0.089 acres (3,877 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $256,800 (Aug 2009) |
| Tax Bill | $1,788 (2025) |
| Deeds & Mortgages | Feb 2024 Line of Credit Dec 2017 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2697-224-01-004 |
| Primary APN | 2697-224-01-004 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,754 sqft Living Area |
| Gross Area | 2,368 sqft |
| 1st Floor Area | 1,754 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 3,877 sqft (0.089 acres) |
| Garage Type | Attached |
| Garage Area | 614 sqft |
| Porch | Screened/Unfinished Porch |
|---|---|
| Porch Area | 376 sqft |
| Patio Area | 80 sqft |
| Shed | 1 Shed |
| Stable | Stable |
| Cooling System | Central |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | R014188 |
|---|---|
| Street Address | 915 20 RD |
| City | FRUITA |
| State | CO |
| Zip | 81521-9308 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 4 KETTLE SUBDIVISION SEC 22 1N 2W UM PLAT B-13 P-325 RN 140112 RECD 10/04/1985 EXC E 7 FT FOR ROW AS PER B-1220 P-382 MESA CO RECORDS - 1.00AC |
| Legal Range | 002 |
| Legal Township | 01N |
| Legal Section | 22 |
| Legal Subdivision | KETTLE |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | MESA CO |
| Township / Civil Division | FRUITA |
| Census Block Group | 2 |
| Census Block | 2043 |
| Census Tract | 1502 |
915 20 Rd is owned and occupied by two individuals who bought it in August 2009.
Source: Mesa County records, as of April 8, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 915 20 RD, FRUITA, CO 81521-9308 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 20, 2024 | Deed of Trust, Mortgage · Line of Credit BELLCO CU |
| Dec 12, 2017 | Deed of Trust, Mortgage · Line of Credit RELIANT BANK |
| Feb 16, 2021 | Deed of Trust, Mortgage · Line of Credit BANK OF COLORADO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 18, 2009 · Amount on File |
| Deed Sale | Aug 18, 2009 · Amount on File |
| Prior Sale | Sep 20, 1995 · Amount on File |
| Deed Document Number | 20092502009 |
| Deed Book / Page | 4905 / 354 |
| Prior Transfer Date | May 22, 2008 |
| Prior Transfer Doc | 0002440780 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MESA CO |
| Property Address | 915 20 RD, FRUITA, CO 81521-9308 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2024 |
| Name | Verified Name |
|---|---|
| Address | 915 20 RD, FRUITA, CO 81521-9308 |
| Document Number | 0003085904 |
|---|---|
| Date | Feb 20, 2024 |
| Instrument | 3085904 |
| Name | BELLCO CU |
|---|---|
| Type | Credit Union |
| Address | ENGLEWOOD, CO 80111 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Feb 28, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MESA CO |
| Property Address | 915 20 RD, FRUITA, CO 81521-9308 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0002823996 |
|---|---|
| Date | Dec 12, 2017 |
| Instrument | 2823996 |
| Name | RELIANT BANK |
|---|---|
| Type | Bank |
| Address | BRENTWOOD, TN 37027 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Dec 5, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MESA CO |
| Property Address | 915 20 RD, FRUITA, CO 81521-9308 |
| Transaction Type | Mortgage |
| Record Updated | Mar 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0002966235 |
|---|---|
| Date | Feb 16, 2021 |
| Instrument | 2966235 |
| Name | BANK OF COLORADO |
|---|---|
| Type | Bank |
| Address | GRAND JUNCTION, CO 81501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 324 Months |
| Due | Feb 4, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 915 20 Rd was $1,788, up 8.6% from the year before.
Source: Mesa County assessment roll, as of April 8, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Mesa County |
| Unified School District | Mesa County Valley School District 51 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,788.00 (+8.63%) | $24,580 (+6.68%) Land $6,560 Building $18,020 | $393,270 Land $105,000 Building $288,270 |
| 2024 | $1,646.00 (+0.61%) | $23,040 (-) Land $4,910 Building $18,130 | |
| 2023 | $1,636.00 (+12.67%) | $23,040 (+14.68%) Land $4,910 Building $18,130 | $343,900 Land $73,280 Building $270,620 |
| 2022 | $1,452.00 | $20,090 Land $4,800 Building $15,290 | |
| 2021 | $289,060 Land $69,000 Building $220,060 |
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.
FEMA maps place 915 20 Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 14, 2026 · 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 |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 9 in force |
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 risk around 915 20 Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 99.6% of Colorado |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | UTE WCD serves 92,580 people · EPA ID CO0139791 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2023 |
| Lead | 1 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.
Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
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