451 Cobble Dr, Montrose, CO 81403 Property Records

Montrose County property record for 451 Cobble Dr, Montrose, CO 81403

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.75 ba · 3,225 sqft · built 2003
Lot Size	0.253 acres (11,000 sqft)
Owner	Individual Name on File
Last Sale	$585,000 (Dec 2020)
Tax Bill	$4,016 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3993-053-04-013`

Property Details

APN / Parcel Number

Primary APN	`3993-053-04-013`
Alternative APN	`R0016398`

Interior

Bedrooms	3 Beds
Full Baths	2.75 Baths
Stories	1 Story
Building Area	3,225 sqft Heated Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Cape Cod
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,000 sqft (0.253 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R0016398
Street Address	451 COBBLE DR
City	MONTROSE
State	CO
Zip	81403-8159
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBD: COBBLE CREEK SUBD FILING NO 4 LOT: B-36, 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	1017
Census Tract	966601

Owner

Source: Montrose County records · APN 3993-053-04-013

Assessment roll updated May 18, 2026 · Last verified May 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 File
Mailing Address	451 COBBLE DR, MONTROSE, CO 81403-8159
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 17, 2020 · Amount on Record
Deed Sale	Dec 17, 2020 · Amount on Record
Prior Sale	Nov 02, 2015 · Amount on Record
Deed Document Number	2020929639
Record Updated	Jun 08, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTROSE CO
Recording Date	Dec 17, 2020
Property Address	451 COBBLE DR, MONTROSE, CO 81403-8159
Document Number	929639
Map Reference	DOC 685496
Instrument Date	Dec 10, 2020
Instrument	929639
Transaction Type	Transfer
Record Updated	Aug 06, 2021
Title Company	COLORADO TITLE AND CLOSING SERVICES, COLORADO TTL & CLOSING SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$58.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	451 COBBLE DR, MONTROSE, CO 81403-8159

Mortgage

Document Number	929640
Date	Dec 17, 2020
Instrument	929640

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2051

Tax Assessment & Valuation

Source: Montrose County records · Assessment roll updated May 18, 2026 · Last verified May 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,016.00 (+10.06%)	$61,910 (+20.8%)	$878,150 (+14.79%) Land $136,000 Building $742,150
2024	$3,649.00 (+4.65%)	$51,250 (-17.84%) Land $7,500 Building $43,750
2023	$3,487.00	$62,380 Land $8,340 Building $54,040	$765,000 Land $111,950 Building $653,050

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 13, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 95% of the US · lower than 98.1% of Colorado
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Delta Montrose Electric Association Fiber	6,000 / 6,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 180 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF MONTROSE serves 19,305 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.