970 20 Rd, Fruita, CO 81521 Property Records

Mesa County property record for 970 20 Rd, Fruita, CO 81521

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.75 ba · 3,186 sqft · built 2001
Lot Size	3.1 acres (135,036 sqft)
Owner	2 Individual Names on Record
Last Sale	$885,000 (Mar 2022)
Tax Bill	$4,039 (2025)
Deeds & Mortgages	Mar 2022 Transfer Mar 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2697-232-03-001`

Property Details

APN / Parcel Number

Primary APN	`2697-232-03-001`
Alternative APN	`R014235`

Interior

Bedrooms	6 Beds
Full Baths	4.75 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,186 sqft Living Area
Gross Area	3,914 sqft
1st Floor Area	2,107 sqft
Upper Floors Area	1,079 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Bi-Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	135,036 sqft (3.1 acres)
Garage Type	Attached
Garage Area	728 sqft
Porch	Slab
Porch Area	784 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	R014235
Street Address	970 20 RD
City	FRUITA
State	CO
Zip	81521-9307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 W W MINOR SUBDIVISION SEC 23 1N 2W - 3.10AC
Legal Range	002
Legal Township	01N
Legal Section	23
Legal Subdivision	W W MINOR SUBDIVISION
Legal Block	3
Legal Lot Number	1
Jurisdiction	MESA CO
Township / Civil Division	FRUITA
Census Block Group	2
Census Block	2037
Census Tract	1502

Owner

Source: Mesa County records, as of May 6, 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	970 20 RD, FRUITA, CO 81521-9307
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2022	Intrafamily Transfer, Transfer
Mar 15, 2022	Warranty Deed, Transfer · VA Mortgage BANK OF UTAH
Jul 1, 2020	Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2022 · Amount on Record
Deed Sale	Mar 15, 2022 · Amount on Record
Prior Sale	Jul 22, 2015 · Amount on Record
Deed Document Number	20223023451
Prior Transfer Date	Mar 14, 2022
Prior Transfer Doc	0003023864
Record Updated	Oct 29, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MESA CO
Recording Date	Mar 17, 2022
Property Address	970 20 RD, FRUITA, CO 81521-9307
Document Number	0003023864
Instrument Date	Mar 14, 2022
Instrument	3023864
Transaction Type	Transfer
Record Updated	Mar 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	9720 20 ROAD, FRUITA, CO 81521

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MESA CO
Recording Date	Mar 15, 2022
Property Address	970 20 RD, FRUITA, CO 81521-9307
Document Number	0003023451
Instrument Date	Mar 14, 2022
Instrument	3023451
Transaction Type	Transfer
Record Updated	Mar 25, 2022
Title Company	HERITAGE TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$88.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	970 20 RD, FRUITA, CO 81521-9307

Mortgage

Document Number	0003023452
Date	Mar 15, 2022
Instrument	3023452

Lender

Name	BANK OF UTAH
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MESA CO
Property Address	970 20 RD, FRUITA, CO 81521-9307
Document Number	0002931699
Instrument Date	Jul 1, 2020
Transaction Type	Mortgage
Record Updated	Jul 27, 2020
Title Company	LAND TITLE GUARANTEE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	970 20 RD FRUITA CO 815219307, FRUITA, CO 81521-9307

Mortgage

Document Number	0002931699
Date	Jul 7, 2020
Instrument	2931699

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 6, 2050

Tax Assessment & Valuation

Source: Mesa County assessment roll, as of April 8, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Mesa County
Unified School District	Mesa County Valley School District 51 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,039.00 (-16.01%)	$55,500 (-17.53%) Land $18,440 Building $37,060	$887,910 (-11.61%) Land $295,000 Building $592,910
2024	$4,809.00 (+0.61%)	$67,300 (-) Land $23,500 Building $43,800
2023	$4,780.00 (+34.91%)	$67,300 (+37.35%) Land $23,500 Building $43,800	$1,004,490 (+42.47%) Land $350,790 Building $653,700
2022	$3,543.00	$49,000 Land $12,510 Building $36,490
2021			$705,050 Land $180,000 Building $525,050

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.

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 98.4% of Colorado
Wildfire Likelihood	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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

May also be available: Verizon.

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