439 Earle Ln, Montrose, CO 81403 Property Records

Montrose County property record for 439 Earle Ln, Montrose, CO 81403

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 902 sqft · built 1920
Lot Size	0.126 acres (5,489 sqft)
Owner	Individual Name on File
Last Sale	$144,500 (Dec 2019)
Tax Bill	$1,019 (2025)
Deeds & Mortgages	Dec 2019 Second Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3767-332-03-009`

Property Details

APN / Parcel Number

Primary APN	`3767-332-03-009`
Alternative APN	`R0007505`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	1 Room
Stories	1 Story
Building Area	902 sqft Heated Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1940
Exterior Material	Other
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	5,489 sqft (0.126 acres)
Lot Dimensions	110 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	R0007505
Street Address	439 EARLE LN
City	MONTROSE
State	CO
Zip	81403-4511
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBD: EARLE SUBD REPLAT LOT: 11 S: 33 T: 49 R: 9
Legal Range	09
Legal Township	49
Legal Section	33
Legal Subdivision	EARLE SUBD
Jurisdiction	MONTROSE CO
Township / Civil Division	MONTROSE
Census Block Group	2
Census Block	2017
Census Tract	966601

Owner

439 Earle Ln is owned and occupied by an individual who bought it in December 2019.

Source: Montrose County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	439 EARLE LN, MONTROSE, CO 81403-4511
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
Dec 10, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COLORADO HOUSING & FINANCE AUTHORITY
Dec 10, 2019	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
May 16, 2017	Warranty Deed, Transfer · Conventional Mortgage AMCAP MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2019 · Amount on File
Deed Sale	Dec 10, 2019 · Amount on File
Prior Sale	May 16, 2017 · Amount on File
Deed Document Number	2019916058
Prior Transfer Date	Mar 3, 2008
Prior Transfer Doc	787320
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTROSE CO
Property Address	439 EARLE LN, MONTROSE, CO 81403-4511
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	916082
Date	Dec 10, 2019
Instrument	916082

Lender

Name	COLORADO HOUSING & FINANCE AUTHORITY
Type	Government Agency
Address	DENVER, CO 80202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTROSE CO
Recording Date	Dec 10, 2019
Property Address	439 EARLE LN, MONTROSE, CO 81403-4511
Document Number	916058
Map Reference	MB 12 PG 580
Instrument Date	Dec 5, 2019
Instrument	916058
Transaction Type	Transfer
Record Updated	Aug 6, 2021
Title Company	COLORADO TITLE AND CLOSING SERVICES, COLORADO TTL & CLOSING SVCS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$14.45
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 EARLE LN, MONTROSE, CO 81403-4511

Mortgage

Document Number	916059
Date	Dec 10, 2019
Instrument	916059

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTROSE CO
Recording Date	May 16, 2017
Property Address	439 EARLE LN, MONTROSE, CO 81403-4511
Document Number	885962
Instrument Date	May 15, 2017
Instrument	885962
Transaction Type	Transfer
Record Updated	Aug 6, 2021
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	$10.49
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	2924 CAMPBELL LN, ROCK SPRINGS, WY 82901-4360

Mortgage

Document Number	885963
Date	May 16, 2017
Instrument	885963

Lender

Name	AMCAP MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 439 Earle Ln was $1,019, up 33.9% 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	$1,019.00 (+33.9%)	$15,240 (+47.67%)	$216,290 Land $89,000 Building $127,290
2024	$761.00 (+4.53%)	$10,320 (-28.93%) Land $3,750 Building $6,570
2023	$728.00	$14,520 Land $5,280 Building $9,240	$154,020 Land $56,000 Building $98,020

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 439 Earle Ln 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 439 Earle Ln 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 94% of the US · lower than 97.5% 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	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 197 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Clearnetworx, Elevate Internet.

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