105 Spruce Dr, Montrose, CO 81401 Property Records

Montrose County property record for 105 Spruce Dr, Montrose, CO 81401

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,728 sqft · built 1965
Lot Size	0.187 acres (8,148 sqft)
Owner	Individual Name on Record
Last Sale	$265,000 (Dec 2020)
Tax Bill	$1,648 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3767-342-08-003`

Property Details

APN / Parcel Number

Primary APN	`3767-342-08-003`
Alternative APN	`R0000932`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,728 sqft Heated Area

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Bi-Level
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	8,148 sqft (0.187 acres)

Utilities, Heating & Cooling

Cooling System	Evaporative
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	R0000932
Street Address	105 SPRUCE DR
City	MONTROSE
State	CO
Zip	81401-4846
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBD: EDMAR ESTATES SUBD NO 1 BLOCK: 4 LOT: 3 S: 34 T: 49 R: 9
Legal Range	09
Legal Township	49
Legal Section	34
Legal Subdivision	EDMAR ESTATES SUBD
Legal Block	4
Jurisdiction	MONTROSE CO
Township / Civil Division	MONTROSE
Census Block Group	3
Census Block	3012
Census Tract	966402

Owner

Source: Montrose County records, as of May 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	105 SPRUCE DR, MONTROSE, CO 81401-4846
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2020	Special Warranty Deed, Transfer · FHA Mortgage SYNERGY ONE LENDING
Jun 21, 2018	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2020 · Amount on Record
Deed Sale	Dec 1, 2020 · Amount on Record
Prior Sale	Jun 21, 2018 · Amount on Record
Deed Document Number	2020928847
Prior Transfer Date	Aug 19, 2014
Prior Transfer Doc	858294
Record Updated	Sep 20, 2026

December 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTROSE CO
Recording Date	Dec 1, 2020
Property Address	105 SPRUCE DR, MONTROSE, CO 81401-4846
Document Number	0000928847
Map Reference	MB 8 PG 31
Instrument Date	Nov 30, 2020
Instrument	928847
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$26.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 SPRUCE DR, MONTROSE, CO 81401-4846

Mortgage

Document Number	0000928848
Date	Dec 1, 2020
Instrument	928848

Lender

Name	SYNERGY ONE LENDING
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Mortgage

Document Number	0000928877
Date	Dec 1, 2020
Instrument	928877

Lender

Name	COLORADO HOUSING & FINANCE AUTHORITY
Type	Government Agency
Address	DENVER, CO 80202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTROSE CO
Recording Date	Jun 21, 2018
Property Address	105 SPRUCE DR, MONTROSE, CO 81401-4846
Document Number	898168
Map Reference	MB6 PG31
Instrument Date	Jun 20, 2018
Instrument	898168
Transaction Type	Transfer
Record Updated	Aug 6, 2021
Title Company	LAND TITLE GUARANTEE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$23.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	105 SPRUCE DR, MONTROSE, CO 81401-4846

Mortgage

Document Number	898169
Date	Jun 21, 2018
Instrument	898169

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

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	$1,648.00 (+33.44%)	$25,130 (+46.62%)	$356,530 (+39.32%) Land $68,000 Building $288,530
2024	$1,235.00 (+4.66%)	$17,140 (-20.68%) Land $3,030 Building $14,110
2023	$1,180.00	$21,610 Land $3,820 Building $17,790	$255,910 Land $45,270 Building $210,640

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	Not rated no burnable land within 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.

Nearby Properties on Spruce Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures