120 Spruce Dr, Montrose, CO 81401 Property Records

Montrose County property record for 120 Spruce Dr, Montrose, CO 81401

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,032 sqft · built 1965
Lot Size	0.227 acres (9,894 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (Jun 2014)
Tax Bill	$1,407 (2025)
Deeds & Mortgages	Jun 2023 Sale Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3767-342-07-009`

Property Details

APN / Parcel Number

Primary APN	`3767-342-07-009`
Alternative APN	`R0000929`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,032 sqft Heated Area

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,894 sqft (0.227 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R0000929
Street Address	120 SPRUCE DR
City	MONTROSE
State	CO
Zip	81401-4861
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBD: EDMAR ESTATES SUBD NO 1 BLOCK: 3 LOT: 9 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

120 Spruce Dr is owned by an individual who acquired it in May 2023.

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

Owner of Record	Individual Name on File
Mailing Address	3804 LONE TREE LN, MONTROSE, CO 81403-7997
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
Jun 1, 2023	Beneficiary Deed, Transfer
Mar 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage ALPINE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 2014 · Amount on File
Deed Sale	Jun 23, 2014 · Amount on File
Prior Sale	Oct 19, 1965 · Amount on File
Deed Document Number	2014856800
Last Transfer Date	May 31, 2023
Transfer Doc	0000962387
Record Updated	Jun 8, 2026

June 2023: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	MONTROSE CO
Recording Date	Jun 1, 2023
Property Address	120 SPRUCE DR, MONTROSE, CO 81401-4861
Document Number	0000962387
Map Reference	MB 8 PG 31
Instrument Date	May 31, 2023
Instrument	962387
Transaction Type	Transfer
Record Updated	Jun 26, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 SPRUCE DR, MONTROSE, CO 81401-4861

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTROSE CO
Property Address	120 SPRUCE DR, MONTROSE, CO 81401-4861
Transaction Type	Mortgage
Record Updated	Apr 13, 2022
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3804 LONE TREE LN, MONTROSE, CO 81403-7997

Mortgage

Document Number	0000948641
Date	Mar 29, 2022
Instrument	948641

Lender

Name	ALPINE BANK
Type	Bank
Address	RIFLE, CO 81650

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 120 Spruce Dr was $1,407, up 34.8% 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	$1,407.00 (+34.77%)	$21,450 (+48.03%)	$304,330 Land $68,000 Building $236,330
2024	$1,044.00 (+4.61%)	$14,490 (-23.13%) Land $2,940 Building $11,550
2023	$998.00	$18,850 Land $3,820 Building $15,030	$216,220 Land $43,850 Building $172,370

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 120 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

Wildfire risk around 120 Spruce Dr is low, with less than a 0.01% annual chance of 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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