3706 Lone Tree Ln, Montrose, CO 81403 Property Records

Montrose County property record for 3706 Lone Tree Ln, Montrose, CO 81403

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,649 sqft · built 2020
Lot Size	0.167 acres (7,283 sqft)
Owner	Individual Name on Record
Last Sale	$440,000 (May 2021)
Tax Bill	$2,421 (2025)
Deeds & Mortgages	Aug 2026 Transfer Aug 2024 Line of Credit + 7 more
Flood Zone	Zone X (minimal risk)
APN	`3993-053-07-019`

Property Details

APN / Parcel Number

Primary APN	`3993-053-07-019`
Alternative APN	`R0014650`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Stories	1 Story
Building Area	1,649 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	7,283 sqft (0.167 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R0014650
Street Address	3706 LONE TREE LN
City	MONTROSE
State	CO
Zip	81403-7876
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBD: COBBLE CREEK SUBD FILING NO 1 LOT: A-19 S: 5 T: 48 R: 9
Legal Range	09
Legal Township	48
Legal Section	05
Legal Subdivision	COBBLE CREEK SUBD
Jurisdiction	MONTROSE CO
Township / Civil Division	MONTROSE
Census Block Group	1
Census Block	1016
Census Tract	966601

Owner

Source: Montrose County records, as of October 12, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	3706 LONE TREE LN, MONTROSE, CO 81403-7876
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Aug 29, 2024	Deed of Trust, Mortgage · Line of Credit US BANK NA
May 11, 2021	Special Warranty Deed, Transfer FIDELITY NATIONAL TITLE
May 11, 2021	Special Warranty Deed, Transfer FIDELITY NATIONAL TITLE
Feb 25, 2021	Warranty Deed, Transfer FIDELITY NATIONAL TITLE
Feb 25, 2021	Warranty Deed, Transfer FIDELITY NATIONAL TITLE
Jun 25, 2020	Special Warranty Deed, Transfer
Jun 25, 2020	Special Warranty Deed, Transfer
Mar 15, 2006	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2021 · Amount on Record
Deed Sale	May 11, 2021 · Amount on Record
Prior Sale	Feb 25, 2021 · Amount on Record
Deed Document Number	2021935820
Last Transfer Date	Aug 31, 2026
Transfer Doc	0000993992
Record Updated	Oct 29, 2026

August 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MONTROSE CO
Recording Date	Aug 31, 2026
Property Address	3706 LONE TREE LN, MONTROSE, CO 81403-7876
Document Number	0000993992
Instrument Date	Aug 31, 2026
Instrument	2026993992
Transaction Type	Transfer
Record Updated	Sep 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4004 PONDEROSA DR, RIDGWAY, CO 81432-8978

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTROSE CO
Property Address	3706 LONE TREE LN, MONTROSE, CO 81403-7876
Transaction Type	Mortgage
Record Updated	Mar 24, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3706 LONE TREE LN, MONTROSE, CO 81403-7876

Mortgage

Document Number	0000974344
Date	Aug 29, 2024
Instrument	974344

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 18, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTROSE CO
Recording Date	May 11, 2021
Property Address	3706 LONE TREE LN, MONTROSE, CO 81403-7876
Document Number	935820
Instrument Date	Apr 23, 2021
Instrument	935820
Transaction Type	Transfer
Record Updated	Aug 6, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants
Address	3706 LONE TREE LN, MONTROSE, CO 81403-7876

May 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTROSE CO
Recording Date	May 11, 2021
Property Address	3706 LONE TREE LN, MONTROSE, CO 81403-7876
Document Number	0000935820
Instrument Date	Apr 23, 2021
Instrument	935820
Transaction Type	Transfer
Record Updated	Mar 24, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants
Address	3706 LONE TREE LN, MONTROSE, CO 81403-7876

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTROSE CO
Recording Date	Feb 25, 2021
Property Address	3706 LONE TREE LN, MONTROSE, CO 81403-7876
Document Number	932327
Instrument Date	Feb 3, 2021
Instrument	932327
Transaction Type	Transfer
Record Updated	Aug 6, 2021
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$37.64
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 3400, MONTROSE, CO 81402-3400

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTROSE CO
Recording Date	Feb 25, 2021
Property Address	3706 LONE TREE LN, MONTROSE, CO 81403-7876
Document Number	0000932327
Instrument Date	Feb 3, 2021
Instrument	932327
Transaction Type	Transfer
Record Updated	Mar 24, 2026
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$37.64
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 3400, MONTROSE, CO 81402-3400

June 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTROSE CO
Recording Date	Jun 25, 2020
Property Address	3706 LONE TREE LN, MONTROSE, CO 81403-7876
Document Number	922187
Instrument Date	Jun 24, 2020
Instrument	922187
Transaction Type	Transfer
Record Updated	Aug 6, 2021

Transaction

Amount	Amount Recorded
Tax	$4.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3848 GRAND MESA DR, MONTROSE, CO 81403-7117

June 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTROSE CO
Recording Date	Jun 25, 2020
Property Address	3706 LONE TREE LN, MONTROSE, CO 81403-7876
Document Number	0000922187
Instrument Date	Jun 24, 2020
Instrument	922187
Transaction Type	Transfer
Record Updated	Mar 24, 2026

Transaction

Amount	Amount Recorded
Tax	$4.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3848 GRAND MESA DR, MONTROSE, CO 81403-7117

March 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTROSE CO
Recording Date	Mar 15, 2006
Property Address	3706 LONE TREE LN, MONTROSE, CO 81403-7876
Document Number	0000752191
Instrument Date	Mar 15, 2006
Instrument	752191
Transaction Type	Transfer
Record Updated	Mar 24, 2026

Transaction

Amount	Amount Recorded
Tax	$8.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1730 HIGHWAY 50, DELTA, CO 81416-8706

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	$2,421.00 (+10.95%)	$37,320 (+21.76%)	$529,400 (+15.75%) Land $85,000 Building $444,400
2024	$2,182.00 (+4.65%)	$30,650 (-13.93%) Land $4,490 Building $26,160
2023	$2,085.00	$35,610 Land $5,210 Building $30,400	$457,350 Land $66,950 Building $390,400

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

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

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

Wildfire Risk	Low lower than 94% of the US · lower than 97.8% of Colorado
Wildfire Likelihood	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	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 76 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: T-Mobile.

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