11 Spruce Dr, Montrose, CO 81401 Property Records

Montrose County property record for 11 Spruce Dr, Montrose, CO 81401

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,618 sqft · built 1951
Lot Size	0.256 acres (11,132 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (May 2020)
Tax Bill	$1,347 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit May 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3767-342-10-011`

Property Details

APN / Parcel Number

Primary APN	`3767-342-10-011`
Alternative APN	`R0001017`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,618 sqft Heated Area

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1960
Architectural Style	Modern
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,132 sqft (0.256 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R0001017
Street Address	11 SPRUCE DR
City	MONTROSE
State	CO
Zip	81401-4844
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBD: MOUNTVIEW PARK BLOCK: 1 LOT: 11 S: 34 T: 49 R: 9
Legal Range	09
Legal Township	49
Legal Section	34
Legal Subdivision	MOUNTVIEW PARK
Legal Block	1
Jurisdiction	MONTROSE CO
Township / Civil Division	MONTROSE
Census Block Group	3
Census Block	3020
Census Tract	966402

Owner

11 Spruce Dr is owned and occupied by an individual who bought it in May 2020.

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

Owner of Record	Individual Name on File
Mailing Address	11 SPRUCE DR, MONTROSE, CO 81401-4844
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Deed of Trust, Mortgage · Line of Credit HOME LOAN STATE BANK
May 26, 2020	Special Warranty Deed, Transfer · FHA Mortgage CORNERSTONE HOME LENDING INC
Feb 13, 2018	Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2020 · Amount on File
Deed Sale	May 26, 2020 · Amount on File
Prior Sale	Feb 13, 2018 · Amount on File
Deed Document Number	2020921084
Prior Transfer Date	Aug 25, 2008
Prior Transfer Doc	794415
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTROSE CO
Recording Date	Apr 8, 2026
Property Address	11 SPRUCE DR, MONTROSE, CO 81401-4844
Document Number	0000990002
Instrument Date	Apr 6, 2026
Instrument	2026990002
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 SPRUCE DR, MONTROSE, CO 81401-4844
Investor	Possibly a Property Investor

Mortgage

Document Number	0000990002,
Date	Apr 8, 2026
Instrument	2026990002

Lender

Name	HOME LOAN STATE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Apr 6, 2036

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

May 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTROSE CO
Recording Date	May 26, 2020
Property Address	11 SPRUCE DR, MONTROSE, CO 81401-4844
Document Number	921084
Instrument Date	May 22, 2020
Instrument	921084
Transaction Type	Transfer
Record Updated	Aug 6, 2021
Title Company	LAND TITLE GUARANTEE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$21.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 SPRUCE DR, 11, MONTROSE, CO 81401-4844

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	11 SPRUCE DR, MONTROSE, CO 81401-4844

Mortgage

Document Number	921085
Date	May 26, 2020
Instrument	921085

Lender

Name	CORNERSTONE HOME LENDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTROSE CO
Recording Date	Feb 13, 2018
Property Address	11 SPRUCE DR, MONTROSE, CO 81401-4844
Document Number	894218
Instrument Date	Feb 12, 2018
Instrument	894218
Transaction Type	Transfer
Record Updated	Aug 6, 2021
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$17.60
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	11 SPRUCE DR, MONTROSE, CO 81401-4844

Mortgage

Document Number	894219
Date	Feb 13, 2018
Instrument	894219

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 11 Spruce Dr was $1,347, up 17.7% from the year before.

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	$1,347.00 (+17.74%)	$20,770 (+29.17%)	$294,730 Land $68,000 Building $226,730
2024	$1,144.00 (+4.57%)	$16,080 (-21.56%) Land $3,000 Building $13,080
2023	$1,094.00	$20,500 Land $3,820 Building $16,680	$239,970 Land $44,740 Building $195,230

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 11 Spruce Dr in Zone X, an area of minimal flood risk.

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

The area around 11 Spruce Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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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