346 E Main St, Montrose, CO 81401 Property Records

Montrose County property record for 346 E Main St, Montrose, CO 81401

Property Summary

Property Type	Commercial
Details	7,441 sqft · built 1896
Lot Size	0.141 acres (6,125 sqft)
Owner	Company Name on Record
Last Sale	$2,032,000 (Jun 2025)
Tax Bill	$22,300 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3767-284-06-001`

Property Details

APN / Parcel Number

Primary APN	`3767-284-06-001`
Alternative APN	`R0650766`

Interior

Units	10 Units
Stories	2 Stories
Building Area	7,441 sqft Heated Area
Gross Area	6,888 sqft

Exterior

Year Built	Built 1896
Effective Year Built	Effective 1969
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	6,125 sqft (0.141 acres)
Total Buildings	5 Buildings

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R0650766
Street Address	346 E MAIN ST
City	MONTROSE
State	CO
Zip	81401-3928
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	SUBD: MONTROSE TOWN OF BLOCK: 94 LOT: 1 AND:- LOT: 2 S: 28 T: 49 R: 9
Legal Range	09
Legal Township	49
Legal Section	28
Legal Subdivision	MONTROSE TOWN OF
Legal Block	94
Jurisdiction	MONTROSE CO
Township / Civil Division	MONTROSE
Census Block Group	1
Census Block	1021
Census Tract	966301

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	62509 HIGHWAY 90, MONTROSE, CO 81403-7802
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2023	Special Warranty Deed, Transfer · Commercial Mortgage BANK OF COLORADO
May 17, 2018	Deed of Trust, Mortgage · Commercial Mortgage CITIZENS STATE BANK OF OURAY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2025 · Amount on Record
Deed Sale	Jun 9, 2025 · Amount on Record
Prior Sale	Apr 6, 2023 · Amount on Record
Deed Document Number	2025981741
Record Updated	Jun 8, 2026

April 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTROSE CO
Recording Date	Apr 6, 2023
Property Address	346 E MAIN ST, MONTROSE, CO 81401-3928
Document Number	0000960763
Instrument Date	Apr 6, 2023
Instrument	960763
Transaction Type	Transfer
Record Updated	Apr 17, 2023
Title Company	LAND TITLE GUARANTEE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$73.98
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 776, MONTROSE, CO 81402-0776

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3424 RIDGELINE DR, MONTROSE, CO 81401-7305

Mortgage

Document Number	0000960764
Date	Apr 6, 2023
Instrument	960764

Lender

Name	BANK OF COLORADO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 4, 2033

Interest

Rate Type	Adjustable Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTROSE CO
Property Address	346 E MAIN ST, MONTROSE, CO 81401-3928
Transaction Type	Mortgage
Record Updated	Jan 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	897018
Date	May 17, 2018
Instrument	897018

Lender

Name	CITIZENS STATE BANK OF OURAY
Type	Bank
Address	RIDGWAY, CO 81432

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 14, 2038

Tax Assessment & Valuation

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	$22,300.00 (+126.97%)	$321,000 (+132.63%)	$1,188,890 (+140.38%) Land $76,070 Building $1,112,820
2024	$9,825.00 (+4.64%)	$137,990 (-9.29%) Land $19,290 Building $118,700
2023	$9,389.00	$152,130 Land $20,050 Building $132,080	$494,590 Land $69,150 Building $425,440

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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	8 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 390 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Elevate Internet Fiber	6,000 / 6,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Clearnetworx Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: FastTrack Communications, Vero Fiber.

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