Infrared excesses due to dusty disks have been observed orbiting white dwarfs with effective temperatures between 7200 K and 25000 K, suggesting that the rate of tidal disruption of minor bodies massive enough to create a coherent disk declines sharply beyond 1~Gyr after white dwarf formation. We report the discovery that the candidate white dwarf LSPM J0207+3331, via the Backyard Worlds: Planet 9 citizen science project and Keck Observatory follow-up spectroscopy, is hydrogen-dominated with a luminous compact disk (L$_{rm IR}$/L$_{star}$=14%) and an effective temperature nearly 1000K cooler than any known white dwarf with an infrared excess. The discovery of this object places the latest time for large scale tidal disruption events to occur at $sim$3 Gyr past the formation of the host white dwarf, making new demands of dynamical models for planetesimal perturbation and disruption around post main sequence planetary systems. Curiously, the mid-IR photometry of the disk cannot be fully explained by a geometrically thin, optically thick dust disk as seen for other dusty white dwarfs, but requires a second ring of dust near the white dwarfs Roche radius. In the process of confirming this discovery, we found that careful measurements of WISE source positions can reveal when infrared excesses for white dwarfs are co-moving with their hosts, helping distinguish them from confusion noise.
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