922 Waterfall Ln, Durango, CO 81301 Property Records

La Plata County property record for 922 Waterfall Ln, Durango, CO 81301 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,971 sqft · built 1994
Lot Size	0.301 acres (13,112 sqft)
Owner	Individual Name on File
Last Sale	$465,000 (Jul 2019)
Tax Bill	$2,562 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Apr 2026 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`5597-284-02-019`

Property Details

APN / Parcel Number

Primary APN	`5597-284-02-019`
Alternative APN	`R417586`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,971 sqft Living Area
Gross Area	2,385 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Conventional
Lot Area	13,112 sqft (0.301 acres)
Garage Type	Attached
Garage Area	414 sqft
Porch	Unfinished Open Porch
Porch Area	36 sqft
Patio Area	264 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	R417586
Street Address	922 WATERFALL LN
City	DURANGO
State	CO
Zip	81301-3740
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISION: WATERFALL VILLAGE P1 BLOCK: 0 LOT: 19 WATERFALL VILLAGE PUD PHASE, III - PROJ 93-242 922 WATERFALL LN DURANGO 81301
Legal Subdivision	WATERFALL VILLAGE P1
Legal Block	3
Legal Lot Number	19
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 5597-284-02-019

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	922 WATERFALL LN, DURANGO, CO 81301-3740
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 06, 2026	Deed of Trust, Mortgage · Line of Credit FIRST AMERICAN MORTGAGE SOLU
Apr 27, 2026	Deed of Trust, Mortgage · Line of Credit TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES
Apr 16, 2026	Deed of Trust, Mortgage · Line of Credit FREEDOM MORTGAGE CORPORATION
Dec 07, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Sep 16, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
May 17, 2017	Deed of Trust, Mortgage · ARM NATIONSTAR MORTGAGE LLC
Feb 04, 2021	Deed of Trust, Mortgage · Conventional with PMI ADVANTAGEFIRST LNDG INC
Jul 29, 2019	Grant Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 29, 2019 · Amount on Record
Deed Sale	Jul 29, 2019 · Amount on Record
Prior Sale	Aug 03, 2015 · Amount on Record
Deed Document Number	20191159478
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Recording Date	Jul 06, 2026
Property Address	922 WATERFALL LN, DURANGO, CO 81301-3740
Document Number	0001255834
Instrument Date	Jun 26, 2026
Instrument	20261255834
Transaction Type	Mortgage
Record Updated	Jul 15, 2026
Title Company	FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	922 WATERFALL LN, DURANGO, CO 81301-3740

Mortgage

Document Number	0001255834,
Date	Jul 06, 2026
Instrument	20261255834

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 26, 2056

Interest

Rate	6.53%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Recording Date	Apr 27, 2026
Property Address	922 WATERFALL LN, DURANGO, CO 81301-3740
Document Number	0001253525
Instrument Date	Apr 18, 2026
Instrument	20261253525
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	922 WATERFALL LN, DURANGO, CO 81301-3740

Mortgage

Document Number	0001253525,
Date	Apr 27, 2026
Instrument	20261253525

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 14, 2046

Interest

Rate	6.22%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Recording Date	Apr 16, 2026
Property Address	922 WATERFALL LN, DURANGO, CO 81301-3740
Document Number	0001253257
Instrument Date	Apr 09, 2026
Instrument	20261253257
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	922 WATERFALL LN, DURANGO, CO 81301-3740

Mortgage

Document Number	0001253257,
Date	Apr 16, 2026
Instrument	20261253257

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 06, 2036

Interest

Rate	6.11%
Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	922 WATERFALL LN, DURANGO, CO 81301-3740
Transaction Type	Mortgage
Record Updated	Dec 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	922 WATERFALL LN, DURANGO, CO 81301-3740

Mortgage

Document Number	0001203411
Date	Dec 07, 2021
Instrument	1203411

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	922 WATERFALL LN, DURANGO, CO 81301-3740
Transaction Type	Mortgage
Record Updated	Sep 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001199321
Date	Sep 16, 2021
Instrument	1199321

Lender

Name	DISCOVER BANK
Type	Bank
Address	DURANGO, CO 81301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 15, 2041

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	922 WATERFALL LN, DURANGO, CO 81301-3740
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001128218
Date	May 17, 2017
Instrument	1128218

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	ARM
Amount	Amount Recorded
Term	349 Months
Due	Jun 01, 2046

Interest

Rate Type	Adjustable Rate
Rate	3.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 01, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.12%
Index	1-Year LIBOR
Max Rate	8.12%

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LA PLATA CO
Property Address	922 WATERFALL LN, DURANGO, CO 81301-3740
Document Number	0001186734
Instrument Date	Feb 04, 2021
Transaction Type	Mortgage
Record Updated	Feb 23, 2021
Title Company	FIRST AMERICAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	922 WATERFALL LN DURANGO CO 813013740, DURANGO, CO 81301-3740

Mortgage

Document Number	0001186734
Date	Feb 10, 2021
Instrument	1186734

Lender

Name	ADVANTAGEFIRST LNDG INC
Address	RANCHO SANTA MARGARI, CA 92688

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 09, 2051

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	LA PLATA CO
Recording Date	Jul 29, 2019
Property Address	922 WATERFALL LN, DURANGO, CO 81301-3740
Document Number	0001159478
Instrument Date	Jul 24, 2019
Instrument	1159478
Transaction Type	Transfer
Record Updated	Aug 06, 2019
Title Company	LAND TITLE GUARANTEE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$46.50
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	922 WATERFALL LN DURANGO CO 813013740, DURANGO, CO 81301-3740

Mortgage

Document Number	1159479
Date	Jul 29, 2019
Instrument	1159479

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 28, 2049

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		$44,900 (-1.62%) Land $11,340 Building $33,560	$730,330 (-) Land $184,500 Building $545,830
2025	$2,562.00 (+30.05%)	$45,640 (+16.82%) Land $11,530 Building $34,110	$730,330 (+25.23%) Land $184,500 Building $545,830
2024	$1,970.00 (+16.22%)
2023	$1,695.00 (+19.2%)	$39,070 (+20.47%) Land $8,360 Building $30,710	$583,170 (+24.97%) Land $124,740 Building $458,430
2022	$1,422.00	$32,430 Land $7,190 Building $25,240	$466,650 Land $103,500 Building $363,150

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 192 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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