104 Duncan Pl, Montrose, CO 81401 Property Records

Montrose County property record for 104 Duncan Pl, Montrose, CO 81401

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,105 sqft · built 1966
Lot Size	0.181 acres (7,875 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Aug 2026)
Tax Bill	$980 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3767-342-07-002`

Property Details

APN / Parcel Number

Primary APN	`3767-342-07-002`
Alternative APN	`R0000922`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,105 sqft Heated Area

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,875 sqft (0.181 acres)
Lot Dimensions	105 ft deep x 75 ft wide
Utility Building	300 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	R0000922
Street Address	104 DUNCAN PL
City	MONTROSE
State	CO
Zip	81401-4853
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBD: EDMAR ESTATES SUBD NO 2 BLOCK: 3 LOT: 2 ALSO SHOWN ON PLAT OF SURVEY RECPT#836495 S: 34 T: 49 R: 9
Legal Range	09
Legal Township	49
Legal Section	34
Legal Subdivision	EDMAR ESTATES SUBD
Legal Block	3
Jurisdiction	MONTROSE CO
Township / Civil Division	MONTROSE
Census Block Group	3
Census Block	3017
Census Tract	966402

Owner

Source: Montrose County records, as of September 4, 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	104 DUNCAN PL, MONTROSE, CO 81401-4853
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2026	Special Warranty Deed, Transfer · FHA Mortgage CENTRAL TRUST BANK
Dec 11, 2019	Deed of Trust, Mortgage · Commercial Mortgage BANK OF COLORADO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2026 · Amount on Record
Deed Sale	Aug 24, 2026 · Amount on Record
Prior Sale	Aug 31, 2004 · Amount on Record
Deed Document Number	2026993749
Prior Transfer Date	Jul 25, 1990
Prior Transfer Doc	0810000856
Record Updated	Oct 29, 2026

August 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTROSE CO
Recording Date	Aug 24, 2026
Property Address	104 DUNCAN PL, MONTROSE, CO 81401-4853
Document Number	0000993749
Instrument Date	Aug 21, 2026
Instrument	2026993749
Transaction Type	Transfer
Record Updated	Sep 4, 2026
Title Company	LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,535.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	104 DUNCAN PL, MONTROSE, CO 81401-4853

Mortgage

Document Number	0000993750,
Date	Aug 24, 2026
Instrument	2026993750

Lender

Name	CENTRAL TRUST BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

Mortgage

Document Number	0000993751,
Date	Aug 24, 2026
Instrument	2026993751

Lender

Name	CA HSNG FINANCIAL

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTROSE CO
Property Address	104 DUNCAN PL, MONTROSE, CO 81401-4853
Transaction Type	Mortgage
Record Updated	Dec 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	916113
Date	Dec 11, 2019
Instrument	916113

Lender

Name	BANK OF COLORADO
Type	Bank
Address	MONTROSE, CO 81401

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Dec 15, 2024

Tax Assessment & Valuation

Source: Montrose County assessment roll, as of May 18, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Montrose County
Municipality	Montrose City
Unified School District	Montrose County School District RE-1J (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$980.00 (+63.88%)	$21,990 (+46.5%)	$311,960 (+39.25%) Land $68,000 Building $243,960
2024	$598.00 (+4.55%)	$15,010 (-22.59%) Land $2,960 Building $12,050
2023	$572.00	$19,390 Land $3,820 Building $15,570	$224,030 Land $44,160 Building $179,870

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 May 13, 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 10 (0% premium discount)
Nearby Flood Policies	2 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 99.1% of the US · lower than 99.6% of Colorado
Wildfire Likelihood	Under 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	CITY OF MONTROSE serves 19,305 people · EPA ID CO0143518
Water Source	Purchased surface water from PROJECT 7 WA
Last State Inspection	Jan 2025

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 344 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Elevate Internet Fiber	6,000 / 6,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Clearnetworx, FastTrack Communications, Verizon.

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