108 Spruce Dr, Montrose, CO 81401 Property Records

Montrose County property record for 108 Spruce Dr, Montrose, CO 81401

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,962 sqft · built 1965
Lot Size	0.236 acres (10,295 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Oct 2018)
Tax Bill	$2,178 (2025)
Deeds & Mortgages	Nov 2022 Second Mortgage Oct 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3767-342-06-001`

Property Details

APN / Parcel Number

Primary APN	`3767-342-06-001`
Alternative APN	`R0000911`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,962 sqft Heated Area

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1980
Architectural Style	Split Level
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,295 sqft (0.236 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water
Heating Fuel	Gas

Location & Zoning

Account Number	R0000911
Street Address	108 SPRUCE DR
City	MONTROSE
State	CO
Zip	81401-4862
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBD: EDMAR ESTATES SUBD NO 1 BLOCK: 2 LOT: 1, SUBD: EDMAR ESTATES SUBD NO 2 BLOCK: 2 LOT: 2 A FRACTIONAL PART OF LOT 2 DESC
Legal Range	09
Legal Township	49
Legal Section	34
Legal Subdivision	EDMAR ESTATES SUBD
Legal Block	2
Legal Lot Number	2
Jurisdiction	MONTROSE CO
Township / Civil Division	MONTROSE
Census Block Group	3
Census Block	3016
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	108 SPRUCE DR, MONTROSE, CO 81401-4862
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CITIZENS STATE BANK
Oct 31, 2018	Warranty Deed, Transfer · Commercial Mortgage CITIZENS STATE BANK OF OURAY
Feb 8, 2017	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2018 · Amount on Record
Deed Sale	Oct 31, 2018 · Amount on Record
Prior Sale	Feb 8, 2017 · Amount on Record
Deed Document Number	2018902583
Prior Transfer Date	Nov 9, 2012
Prior Transfer Doc	840829
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTROSE CO
Property Address	108 SPRUCE DR, MONTROSE, CO 81401-4862
Transaction Type	Mortgage
Record Updated	Nov 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 SPRUCE DR, MONTROSE, CO 81401-4862

Mortgage

Document Number	0000956778
Date	Nov 14, 2022
Instrument	956778

Lender

Name	CITIZENS STATE BANK
Type	Bank
Address	RIDGWAY, CO 81432

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 7, 2037

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTROSE CO
Recording Date	Oct 31, 2018
Property Address	108 SPRUCE DR, MONTROSE, CO 81401-4862
Document Number	902583
Instrument Date	Oct 31, 2018
Instrument	902583
Transaction Type	Transfer
Record Updated	Aug 6, 2021
Title Company	COLORADO TITLE AND CLOSING SERVICES, COLORADO TITLE & CLOSING SVC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$26.00
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	108 SPRUCE DR, MONTROSE, CO 81401-4862

Mortgage

Document Number	902584
Date	Oct 31, 2018
Instrument	902584

Lender

Name	CITIZENS STATE BANK OF OURAY
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 2048

Interest

Rate Type	Adjustable Rate

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTROSE CO
Recording Date	Feb 8, 2017
Property Address	108 SPRUCE DR, MONTROSE, CO 81401-4862
Document Number	883118
Instrument Date	Feb 8, 2017
Instrument	883118
Transaction Type	Transfer
Record Updated	Aug 6, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$19.48
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
Address	108 SPRUCE DR, MONTROSE, CO 81401-4862

Mortgage

Document Number	883119
Date	Feb 8, 2017
Instrument	883119

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

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	$2,178.00 (+22.5%)	$33,210 (+34.62%)	$471,060 (+27.95%) Land $68,000 Building $403,060
2024	$1,778.00 (+4.65%)	$24,670 (-16.12%) Land $3,210 Building $21,460
2023	$1,699.00	$29,410 Land $3,820 Building $25,590	$368,160 Land $47,850 Building $320,310

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.

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