978 20 Rd, Fruita, CO 81521 Property Records

Mesa County property record for 978 20 Rd, Fruita, CO 81521

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,368 sqft · built 1900
Lot Size	4 acres (174,240 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Oct 2020)
Tax Bill	$1,982 (2025)
Deeds & Mortgages	Feb 2018 Mortgage Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2697-232-00-756`

Property Details

APN / Parcel Number

Primary APN	`2697-232-00-756`
Alternative APN	`R014229`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,368 sqft Living Area
Gross Area	1,944 sqft
1st Floor Area	912 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1950
Architectural Style	Multi-Level
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	174,240 sqft (4 acres)
Garage Type	Attached
Garage Area	576 sqft
Porch	Slab
Porch Area	162 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Floor/Wall Furnace
Heating Fuel	Gas

Location & Zoning

Account Number	R014229
Street Address	978 20 RD
City	FRUITA
State	CO
Zip	81521-9307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARCEL 1 LOVOI MAJOR BOUNDARY LINE ADJUSTMENT SEC 23 1N 2W
Legal Range	002
Legal Township	01N
Legal Section	23
Legal Subdivision	LOVOI MAJOR BOUNDARY LINE ADJUSTMENT
Legal Lot Number	756
Jurisdiction	MESA CO
Township / Civil Division	FRUITA
Census Block Group	2
Census Block	2037
Census Tract	1502

Owner

978 20 Rd is owned by two individuals who bought it in October 2020.

Source: Mesa County records, as of May 6, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	976 20 RD, FRUITA, CO 81521-9307
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT FUNDING INC
Oct 22, 2020	Warranty Deed, Transfer · Commercial Mortgage ALPINE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2020 · Amount on File
Deed Sale	Oct 22, 2020 · Amount on File
Prior Sale	Dec 13, 2012 · Amount on File
Deed Document Number	20202948677
Prior Transfer Date	Apr 30, 2009
Prior Transfer Doc	0002487080
Record Updated	Oct 29, 2026

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MESA CO
Property Address	978 20 RD, FRUITA, CO 81521-9307
Transaction Type	Mortgage
Record Updated	Mar 1, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002831186
Date	Feb 21, 2018
Instrument	2831186

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95815

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MESA CO
Recording Date	Oct 22, 2020
Property Address	978 20 RD, FRUITA, CO 81521-9307
Document Number	0002948677
Instrument Date	Oct 20, 2020
Instrument	2948677
Transaction Type	Transfer
Record Updated	Mar 1, 2022
Title Company	HERITAGE TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$25.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	978 20 RD, FRUITA, CO 81521-9307

Mortgage

Document Number	0002948678
Date	Oct 22, 2020
Instrument	2948678

Lender

Name	ALPINE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 978 20 Rd was $1,982, down 3.8% from the year before.

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	$1,982.00 (-3.79%)	$27,240 (-5.55%) Land $18,440 Building $8,800	$435,720 Land $295,000 Building $140,720
2024	$2,060.00 (+0.59%)	$28,840 (-) Land $21,980 Building $6,860
2023	$2,048.00 (+53.18%)	$28,840 (+55.98%) Land $21,980 Building $6,860	$430,530 Land $328,090 Building $102,440
2022	$1,337.00	$18,490 Land $12,510 Building $5,980
2021			$266,040 Land $180,000 Building $86,040

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

FEMA maps place 978 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

Wildfire risk around 978 20 Rd is low, with 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 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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