1878 6438 Dr, Montrose, CO 81403 Property Records

Montrose County property record for 1878 6438 Dr, Montrose, CO 81403

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,518 sqft · built 2017
Lot Size	0.277 acres (12,066 sqft)
Owner	2 Individual Names on File
Last Sale	$440,000 (Jul 2024)
Tax Bill	$2,060 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jul 2024 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3993-052-17-013`

Property Details

APN / Parcel Number

Primary APN	`3993-052-17-013`
Alternative APN	`R0021916`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,518 sqft Heated Area

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,066 sqft (0.277 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R0021916
Street Address	1878 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: 13 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

1878 6438 Dr is owned and occupied by two individuals who bought it in July 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	1878 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
Mar 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage ALPINE BANK
Jul 29, 2024	Warranty Deed, Transfer · Conventional Mortgage ALPINE BANK
Sep 29, 2017	Warranty Deed, Transfer · Conventional Mortgage BANK OF COLORADO
Apr 25, 2017	Warranty Deed, Transfer MARY KENNEDY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2024 · Amount on File
Deed Sale	Jul 29, 2024 · Amount on File
Prior Sale	Sep 29, 2017 · Amount on File
Deed Document Number	2024973578
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTROSE CO
Property Address	1878 6438 DR, MONTROSE, CO 81403-8911
Transaction Type	Mortgage
Record Updated	Mar 24, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1878 6438 DR, MONTROSE, CO 81403-8911

Mortgage

Document Number	0000988901
Date	Mar 2, 2026
Instrument	988901

Lender

Name	ALPINE BANK
Type	Bank
Address	RIFLE, CO 81650

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTROSE CO
Recording Date	Jul 29, 2024
Property Address	1878 6438 DR, MONTROSE, CO 81403-8911
Document Number	0000973578
Map Reference	DOC 803359
Instrument Date	Jul 26, 2024
Instrument	973578
Transaction Type	Transfer
Record Updated	Mar 24, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$44.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1878 6438 DR, MONTROSE, CO 81403-8911
Investor	Possibly a Property Investor

Mortgage

Document Number	0000973579
Date	Jul 29, 2024
Instrument	973579

Lender

Name	ALPINE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2054

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTROSE CO
Recording Date	Sep 29, 2017
Property Address	1878 6438 DR, MONTROSE, CO 81403-8911
Document Number	0000890247
Instrument Date	Sep 28, 2017
Instrument	890247
Transaction Type	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	$22.95
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	1878 DR, MONTROSE, CO 81403

Mortgage

Document Number	0000890248
Date	Sep 29, 2017
Instrument	890248

Lender

Name	BANK OF COLORADO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTROSE CO
Recording Date	Apr 25, 2017
Property Address	1878 6438 DR, MONTROSE, CO 81403-8911
Document Number	0000885263
Map Reference	DOC803359
Instrument Date	Apr 21, 2017
Instrument	885263
Transaction Type	Transfer
Record Updated	Mar 24, 2026
Title Company	LAND TITLE GUARANTEE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3.85
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	2533 PINYON AVE, GRAND JUNCTION, CO 81501-6891

Mortgage

Document Number	0000885253
Date	Apr 25, 2017
Instrument	885253

Lender

Name	MARY KENNEDY
Type	Private Party

Agreement

Amount	Amount on Record
Term	2 Months
Due	May 31, 2017

Tax Assessment & Valuation

The 2025 property tax bill for 1878 6438 Dr was $2,060, up 5.7% 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	$2,060.00 (+5.7%)	$30,810 (+16.57%)	$436,960 Land $98,000 Building $338,960
2024	$1,949.00 (+4.5%)	$26,430 (-15.4%) Land $4,940 Building $21,490
2023	$1,865.00	$31,240 Land $5,840 Building $25,400	$394,530 Land $73,720 Building $320,810

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 1878 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 1878 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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