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972 Waterfall Ln, Durango, CO 81301 Property Records

La Plata County property record for 972 Waterfall Ln, Durango, CO 81301 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,744 sqft · built 1994
Lot Size0.274 acres (11,935 sqft)
Owner2 Individual Names on File
Last Sale$170,500 (Jan 1995)
Tax Bill$2,431 (2025)
Deeds & MortgagesApr 2024 Line of Credit
Jul 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN5597-284-02-023

Property Details

APN / Parcel Number

Primary APN5597-284-02-023
Alternative APN
  • R417590

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,744 sqft Living Area
Gross Area2,185 sqft
1st Floor Area1,744 sqft

Exterior

Year BuiltBuilt 1994
Effective Year BuiltEffective 1994
Architectural StyleConventional
Lot Area11,935 sqft (0.274 acres)
Garage TypeAttached
Garage Area441 sqft

Exterior Amenities

PorchUnfinished Open Porch
Porch Area84 sqft
Deck AreaDeck Area
Patio Area387 sqft

Utilities, Heating & Cooling

Heating SystemRadiant

Location & Zoning

Account NumberR417590
Street Address972 WATERFALL LN
CityDURANGO
StateCO
Zip81301-3762
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSUBDIVISION: WATERFALL VILLAGE P1 BLOCK: 0 LOT: 23 WATERFALL VILLAGE PUD PHASE, III - PROJ 93-242 972 WATERFALL LN DURANGO 81301
Legal SubdivisionWATERFALL VILLAGE P1
Legal Block3
Legal Lot Number23
JurisdictionLA PLATA CO
Township / Civil DivisionDURANGO
Census Block Group3
Census Block3017
Census Tract970703

Owner

Source: La Plata County records · APN 5597-284-02-023

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 Record2 Individual Names on File
Mailing Address972 WATERFALL LN, DURANGO, CO 81301-3762
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Apr 23, 2024Deed of Trust, Mortgage · Line of Credit
HOMEBRIDGE FINANCIAL SERVICES INC
Jul 28, 2017Deed of Trust, Mortgage · Conventional Mortgage
BANK OF THE SAN JUANS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 17, 1995 · Amount on Record
Deed SaleJan 17, 1995 · Amount on Record
Record UpdatedSep 20, 2026

April 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLA PLATA CO
Property Address972 WATERFALL LN, DURANGO, CO 81301-3762
Transaction TypeMortgage
Record UpdatedMay 02, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address972 WATERFALL LN, DURANGO, CO 81301-3762

Mortgage

Document Number0001231536
DateApr 23, 2024
Instrument1231536
Lender
NameHOMEBRIDGE FINANCIAL SERVICES INC
TypeMortgage Company
AddressFLINT, MI 48501
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueApr 22, 2054
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

July 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionLA PLATA CO
Property Address972 WATERFALL LN, DURANGO, CO 81301-3762
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0001131452
DateJul 28, 2017
Instrument1131452
Lender
NameBANK OF THE SAN JUANS
TypeBank
AddressGRAND JUNCTION, CO 81507
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term121 Months
DueAug 01, 2027

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateColorado
CountyLa Plata County
Unified School DistrictDurango 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.

YearTax BillAssessed ValueAssessed Market Value
2026$42,400 (-2.08%) Land $11,290 Building $31,110$692,770 (-) Land $184,500 Building $508,270
2025$2,431.00 (+52.89%)$43,300 (+18.11%) Land $11,530 Building $31,770$692,770 (+26.6%) Land $184,500 Building $508,270
2023$1,590.00 (+18.3%)$36,660 (+19.61%) Land $8,310 Building $28,350$547,220 (+24.09%) Land $124,030 Building $423,190
2022$1,344.00$30,650 Land $7,190 Building $23,460$441,000 Land $103,500 Building $337,500

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 21 individual NFIP policies nearby
Nearby Flood Policies21 in force
Nearby Flood Claims3 (1981–2014)
Claims Outside the SFHA1 of 3
Most Recent ClaimDec 2014, other causes

Wildfire

Wildfire RiskHigh
above 79% of the US · above 81% of Colorado
Wildfire LikelihoodAbout 1 in 192 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
StarlinkSatellite (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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