1892 6438 Dr, Montrose, CO 81403 Property Records

Montrose County property record for 1892 6438 Dr, Montrose, CO 81403

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,604 sqft · built 2020
Lot Size	0.282 acres (12,284 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Sep 2020)
Tax Bill	$2,712 (2025)
Deeds & Mortgages	May 2020 Construction Loan May 2020 Construction Loan + 4 more
Flood Zone	Zone X (minimal risk)
APN	`3993-052-17-014`

Property Details

APN / Parcel Number

Primary APN	`3993-052-17-014`
Alternative APN	`R0021917`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,604 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	12,284 sqft (0.282 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R0021917
Street Address	1892 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: 14 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

1892 6438 Dr is owned and occupied by an individual who bought it in September 2020.

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

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

Owner of Record	Individual Name on File
Mailing Address	1892 6438 DR, MONTROSE, CO 81403-8911
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 15, 2020	Deed of Trust, Mortgage · Construction Mortgage ALPINE BANK
May 15, 2020	Deed of Trust, Mortgage · Construction Mortgage ALPINE BANK
Sep 8, 2020	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 8, 2020	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 4, 2020	Quit Claim Deed, Transfer Quitclaim
Mar 4, 2020	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2020 · Amount on File
Deed Sale	Sep 8, 2020 · Amount on File
Prior Sale	Mar 4, 2020 · Amount on File
Deed Document Number	2020924989
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTROSE CO
Property Address	1892 6438 DR, MONTROSE, CO 81403-8911
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000920869
Date	May 15, 2020
Instrument	920869

Lender

Name	ALPINE BANK
Type	Bank
Address	RIFLE, CO 81650

Agreement

Type	Construction Mortgage
Amount	Amount on Record

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTROSE CO
Property Address	1892 6438 DR, MONTROSE, CO 81403-8911
Transaction Type	Mortgage
Record Updated	Aug 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	920869
Date	May 15, 2020
Instrument	920869

Lender

Name	ALPINE BANK
Type	Bank
Address	RIFLE, CO 81650

Agreement

Type	Construction Mortgage
Amount	Amount on Record

September 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTROSE CO
Recording Date	Sep 8, 2020
Property Address	1892 6438 DR, MONTROSE, CO 81403-8911
Document Number	924989
Instrument Date	Sep 4, 2020
Instrument	924989
Transaction Type	Subdivision Related 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	$30.00
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	1892 6438 DR, MONTROSE, CO 81403-8911

Mortgage

Document Number	924990
Date	Sep 8, 2020
Instrument	924990

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

September 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTROSE CO
Recording Date	Sep 8, 2020
Property Address	1892 6438 DR, MONTROSE, CO 81403-8911
Document Number	0000924989
Instrument Date	Sep 4, 2020
Instrument	924989
Transaction Type	Subdivision Related 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	$30.00
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	1892 6438 DR, MONTROSE, CO 81403-8911

Mortgage

Document Number	0000924990
Date	Sep 8, 2020
Instrument	924990

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTROSE CO
Recording Date	Mar 4, 2020
Property Address	1892 6438 DR, MONTROSE, CO 81403-8911
Document Number	918697
Instrument Date	Feb 28, 2020
Instrument	918697
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

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTROSE CO
Recording Date	Mar 4, 2020
Property Address	1892 6438 DR, MONTROSE, CO 81403-8911
Document Number	0000918697
Instrument Date	Feb 28, 2020
Instrument	918697
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 1892 6438 Dr was $2,712, up 6.6% 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	$2,712.00 (+6.6%)	$32,970 (+16.17%)	$467,680 Land $98,000 Building $369,680
2024	$2,544.00 (+27.07%)	$28,380 (-14.7%) Land $4,980 Building $23,400
2023	$2,002.00	$33,270 Land $5,840 Building $27,430	$423,660 Land $74,350 Building $349,310

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

FEMA maps place 1892 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 1892 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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