Montrose County property record for 20875 Trophy Rd, Montrose, CO 81403
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,150 sqft · built 2005 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $80,500 (Jan 2021) |
| Tax Bill | $3,597 (2025) |
| Deeds & Mortgages | Dec 2023 Second Mortgage Sep 2020 Line of Credit + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3993-253-05-002 |
| Primary APN | 3993-253-05-002 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 3,150 sqft Heated Area |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Cape Cod |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Area | 884 sqft |
| Cooling System | Evaporative |
|---|---|
| Heating System | Hot Water |
| Heating Fuel | Gas |
| Account Number | R0017318 |
|---|---|
| Street Address | 20875 TROPHY RD |
| City | MONTROSE |
| State | CO |
| Zip | 81403-7793 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBD: RIVERS EDGE AT SOUTHMONT FILING NO 10 LOT: 4 S: 25 T: 48 R: 9 |
| Legal Range | 09 |
| Legal Township | 48 |
| Legal Section | 25 |
| Legal Subdivision | RIVERS EDGE AT SOUTHMONT FILING NO 10 |
| Jurisdiction | MONTROSE CO |
| Township / Civil Division | MONTROSE |
| Census Block Group | 3 |
| Census Block | 3086 |
| Census Tract | 966501 |
20875 Trophy Rd is owned and occupied by an individual who bought it in January 2021.
Source: Montrose County records, as of May 18, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 20875 TROPHY RD, MONTROSE, CO 81403-7793 |
| 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.
| Date | Document |
|---|---|
| Dec 11, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Sep 15, 2020 | Deed of Trust, Mortgage · Line of Credit ALPINE BANK |
| Jan 14, 2021 | Bargain and Sale Deed, Transfer |
| Jul 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP |
| Sep 18, 2019 | Deed of Trust, Mortgage · Conventional Mortgage ACADEMY MORTGAGE CORP |
| May 17, 2019 | Special Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP |
| May 31, 2018 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 14, 2021 · Amount on File |
| Deed Sale | Jan 14, 2021 · Amount on File |
| Prior Sale | May 17, 2019 · Amount on File |
| Deed Document Number | 2021930681 |
| Prior Transfer Date | Dec 31, 2020 |
| Prior Transfer Doc | 930681 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTROSE CO |
| Property Address | 20875 TROPHY RD, MONTROSE, CO 81403-7793 |
| Transaction Type | Mortgage |
| Record Updated | Mar 22, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0000967413 |
|---|---|
| Date | Dec 11, 2023 |
| Instrument | 967413 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Dec 1, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTROSE CO |
| Property Address | 20875 TROPHY RD, MONTROSE, CO 81403-7793 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 925261 |
|---|---|
| Date | Sep 15, 2020 |
| Instrument | 925261 |
| Name | ALPINE BANK |
|---|---|
| Type | Bank |
| Address | RIFLE, CO 81650 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Bargain and Sale Deed |
|---|---|
| Jurisdiction | MONTROSE CO |
| Recording Date | Jan 14, 2021 |
| Property Address | 20875 TROPHY RD, MONTROSE, CO 81403-7793 |
| Document Number | 930681 |
| Map Reference | DOC 710454 |
| Instrument Date | Dec 31, 2020 |
| Instrument | 930681 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $8.05 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 20875 TROPHY RD, MONTROSE, CO 81403-7793 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTROSE CO |
| Property Address | 20875 TROPHY RD, MONTROSE, CO 81403-7793 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2020 |
| Title Company | LAND TITLE GUARANTEE |
| Name | Verified Name |
|---|
| Document Number | 923387 |
|---|---|
| Date | Jul 29, 2020 |
| Instrument | 923387 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | DRAPER, UT 84020 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTROSE CO |
| Property Address | 20875 TROPHY RD, MONTROSE, CO 81403-7793 |
| Transaction Type | Mortgage |
| Record Updated | Oct 2, 2019 |
| Title Company | LAND TITLE GUARANTEE CO |
| Name | Verified Name |
|---|
| Document Number | 913219 |
|---|---|
| Date | Sep 18, 2019 |
| Instrument | 913219 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | DRAPER, UT 84020 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MONTROSE CO |
| Recording Date | May 17, 2019 |
| Property Address | 20875 TROPHY RD, MONTROSE, CO 81403-7793 |
| Document Number | 909159 |
| Map Reference | DOC 710454 |
| Instrument Date | May 16, 2019 |
| Instrument | 909159 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2021 |
| Title Company | LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $44.77 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 20875 TROPHY RD, MONTROSE, CO 81403-7793 |
| Document Number | 909160 |
|---|---|
| Date | May 17, 2019 |
| Instrument | 909160 |
| Name | ACADEMY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTROSE CO |
| Property Address | 20875 TROPHY RD, MONTROSE, CO 81403-7793 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2018 |
| Name | Verified Name |
|---|
| Document Number | 897411 |
|---|---|
| Date | May 31, 2018 |
| Instrument | 897411 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2033 |
The 2025 property tax bill for 20875 Trophy Rd was $3,597, up 4.7% from the year before.
Source: Montrose County assessment roll, as of May 18, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Montrose County |
| Unified School District | Montrose County School District RE-1J (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,597.00 (+4.75%) | $55,450 (+14.97%) | $786,480 Land $152,000 Building $634,480 |
| 2024 | $3,434.00 (+4.66%) | $48,230 (-10.45%) Land $8,090 Building $40,140 | |
| 2023 | $3,281.00 | $53,860 Land $9,040 Building $44,820 | $719,890 Land $120,770 Building $599,120 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 20875 Trophy Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1984.
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 | 3 in force |
| Nearby Flood Claims | 1 (1984) |
| Most Recent Claim | May 1984 · rainfall accumulation |
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 risk around 20875 Trophy Rd is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 91% of Colorado |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TRI COUNTY WCD serves 20,490 people · EPA ID CO0143755 |
|---|---|
| Water Source | Purchased surface water from PROJECT 7 WA |
| Last State Inspection | Nov 2024 |
| 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.
Source: FCC Broadband Data Collection, based on 72 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Elevate Internet Fiber | 6,000 / 6,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures