976 20 Rd, Fruita, CO 81521 Property Records

Mesa County property record for 976 20 Rd, Fruita, CO 81521

Property Summary

Property Type	Farm - Irrigated or Dry
Details	3 bd · 2 ba · 2,573 sqft · built 2002
Lot Size	11.7 acres (512,266 sqft)
Owner	2 Individual Names on File
Last Sale	$420,000 (Jul 2013)
Tax Bill	$1,263 (2025)
Deeds & Mortgages	Oct 2020 Line of Credit Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2697-232-02-002`

Property Details

APN / Parcel Number

Primary APN	`2697-232-02-002`
Alternative APN	`R014234`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,573 sqft Gross Area
1st Floor Area	1,949 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	512,266 sqft (11.7 acres)
Garage Type	Attached
Garage Area	624 sqft

Exterior Amenities

Porch	Open/Unfinished Porch
Porch Area	153 sqft
Patio Area	112 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	R014234
Street Address	976 20 RD
City	FRUITA
State	CO
Zip	81521-9307
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Farm - Irrigated or Dry
Legal Description	PARCEL 2 LOVOI MINOR SUBDIVISION SEC 23 1N 2W - 11.76AC
Legal Range	002
Legal Township	01N
Legal Section	23
Legal Subdivision	LOVOI MINOR SUBDIVISION
Legal Block	2
Legal Lot Number	2
Jurisdiction	MESA CO
Township / Civil Division	FRUITA
Census Block Group	2
Census Block	2037
Census Tract	1502

Owner

Source: Mesa County assessment roll, as of April 8, 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 File
Mailing Address	976 20 RD, FRUITA, CO 81521-9307
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2020	Deed of Trust, Mortgage · Line of Credit ALPINE BANK
Mar 11, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 15, 2013 · Amount on Record
Deed Sale	Jul 15, 2013 · Amount on Record
Prior Sale	Feb 16, 2007 · Amount on Record
Deed Document Number	20132661821
Deed Book / Page	5501 / 716
Last Transfer Date	Feb 12, 2021
Transfer Doc	0002970442
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MESA CO
Property Address	976 20 RD, FRUITA, CO 81521-9307
Transaction Type	Mortgage
Record Updated	Mar 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002945582
Date	Oct 1, 2020
Instrument	2945582

Lender

Name	ALPINE BANK
Type	Bank
Address	81550

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MESA CO
Recording Date	Mar 11, 2021
Property Address	976 20 RD, FRUITA, CO 81521-9307
Document Number	0002970442
Instrument Date	Feb 12, 2021
Instrument	2970442
Transaction Type	Transfer
Record Updated	Mar 1, 2022
Title Company	HERITAGE TITLE COMPANY

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	976 20 RD, FRUITA, CO 81521-9307

Mortgage

Document Number	0002970443
Date	Mar 11, 2021
Instrument	2970443

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

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	$1,263.00 (+30.88%)	$17,550 (+29.9%) Land $2,140 Building $15,410	$250,800 (+46.99%) Land $7,940 Building $242,860
2024	$965.00 (+0.63%)	$13,510 (-) Land $2,480 Building $11,030
2023	$959.00 (-10.96%)	$13,510 (-9.33%) Land $2,480 Building $11,030	$170,620 (-10.04%) Land $9,370 Building $161,250
2022	$1,077.00	$14,900 Land $2,130 Building $12,770
2021			$189,670 Land $8,030 Building $181,640

Assessed value is set for property tax purposes, not a market price estimate; it is 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

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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