1866 6438 Dr, Montrose, CO 81403 Property Records

Montrose County property record for 1866 6438 Dr, Montrose, CO 81403

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,605 sqft · built 2020
Lot Size	0.262 acres (11,413 sqft)
Owner	Individual Name on File
Last Sale	$419,900 (Jan 2022)
Tax Bill	$2,204 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Apr 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3993-052-17-012`

Property Details

APN / Parcel Number

Primary APN	`3993-052-17-012`
Alternative APN	`R0021915`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Stories	1 Story
Building Area	1,605 sqft Heated Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,413 sqft (0.262 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R0021915
Street Address	1866 6438 DR
City	MONTROSE
State	CO
Zip	81403-8911
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBD: RIVER STONE SUBD FILING NO 1 LOT: 12 S: 5 T: 48 R: 9
Legal Range	09
Legal Township	48
Legal Section	05
Legal Subdivision	RIVER STONE SUBD
Jurisdiction	MONTROSE CO
Township / Civil Division	MONTROSE
Census Block Group	1
Census Block	1001
Census Tract	966601

Owner

1866 6438 Dr is owned and occupied by an individual who bought it in January 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1866 6438 DR, MONTROSE, CO 81403-8911
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
Jan 20, 2022	Warranty Deed, Transfer · Conventional Mortgage BANK OF COLORADO
Apr 1, 2021	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage GUILD MORTGAGE CO
Apr 1, 2021	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage GUILD MORTGAGE CO
Sep 11, 2020	Quit Claim Deed, Transfer Quitclaim
Sep 11, 2020	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 20, 2022 · Amount on File
Deed Sale	Jan 20, 2022 · Amount on File
Prior Sale	Apr 1, 2021 · Amount on File
Deed Document Number	2022946003
Record Updated	Jun 8, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTROSE CO
Recording Date	Jan 20, 2022
Property Address	1866 6438 DR, MONTROSE, CO 81403-8911
Document Number	0000946003
Instrument Date	Jan 7, 2022
Instrument	946003
Transaction Type	Transfer
Record Updated	Mar 24, 2026
Title Company	LAND TITLE GUARANTEE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$41.99
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2939, COEUR D ALENE, ID 83816-2939

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	PO BOX 825, MONTROSE, CO 81402-0825

Mortgage

Document Number	0000946004
Date	Jan 20, 2022
Instrument	946004

Lender

Name	BANK OF COLORADO
Type	Bank

Agreement

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

April 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTROSE CO
Recording Date	Apr 1, 2021
Property Address	1866 6438 DR, MONTROSE, CO 81403-8911
Document Number	934080
Map Reference	DOC 803359
Instrument Date	Apr 1, 2021
Instrument	934080
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 6, 2021
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$33.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 4247, GRAND JUNCTION, CO 81502-4247

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1866 6438 DR, MONTROSE, CO 81403-8911

Mortgage

Document Number	934081
Date	Apr 1, 2021
Instrument	934081

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

April 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTROSE CO
Recording Date	Apr 1, 2021
Property Address	1866 6438 DR, MONTROSE, CO 81403-8911
Document Number	0000934080
Map Reference	DOC 803359
Instrument Date	Apr 1, 2021
Instrument	934080
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 24, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$33.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 4247, GRAND JUNCTION, CO 81502-4247

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1866 6438 DR, MONTROSE, CO 81403-8911

Mortgage

Document Number	0000934081
Date	Apr 1, 2021
Instrument	934081

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTROSE CO
Recording Date	Sep 11, 2020
Property Address	1866 6438 DR, MONTROSE, CO 81403-8911
Document Number	925163
Instrument Date	Sep 4, 2020
Instrument	925163
Transaction Type	Transfer
Record Updated	Aug 6, 2021

Transaction

Amount	Amount on Record
Tax	$2.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	638 TAMARRON DR, 638, GRAND JUNCTION, CO 81506-4874

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4247, GRAND JUNCTION, CO 81502-4247

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTROSE CO
Recording Date	Sep 11, 2020
Property Address	1866 6438 DR, MONTROSE, CO 81403-8911
Document Number	0000925163
Instrument Date	Sep 4, 2020
Instrument	925163
Transaction Type	Transfer
Record Updated	Mar 24, 2026

Transaction

Amount	Amount on Record
Tax	$2.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	638 TAMARRON DR, GRAND JUNCTION, CO 81506-4874

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4247, GRAND JUNCTION, CO 81502-4247

Tax Assessment & Valuation

The 2025 property tax bill for 1866 6438 Dr was $2,204, up 5.4% from the year before.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,204.00 (+5.35%)	$32,960 (+16.18%)	$467,470 Land $98,000 Building $369,470
2024	$2,092.00 (+4.5%)	$28,370 (-14.68%) Land $4,980 Building $23,390
2023	$2,002.00	$33,250 Land $5,840 Building $27,410	$423,440 Land $74,340 Building $349,100

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 1866 6438 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
Nearby Flood Policies	1 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 1866 6438 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 95% of the US · lower than 98.1% of Colorado
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	CHIPETA WD serves 3,802 people · EPA ID CO0143176
Water Source	Purchased surface water from PROJECT 7 WA
Last State Inspection	May 2023

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 116 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
Verizon Fixed Wireless	300 / 20

May also be available: Clearnetworx.

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