478 Cobble Dr, Montrose, CO 81403 Property Records

Montrose County property record for 478 Cobble Dr, Montrose, CO 81403 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,307 sqft · built 2003
Lot Size	0.26 acres (11,320 sqft)
Owner	Individual Name on File
Last Sale	$62,900 (Sep 2002)
Tax Bill	$2,526 (2025)
Deeds & Mortgages	Jul 2015 Mortgage Jul 2007 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3993-053-04-020`

Property Details

APN / Parcel Number

Primary APN	`3993-053-04-020`
Alternative APN	`R0016405`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,307 sqft Heated Area

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,320 sqft (0.26 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R0016405
Street Address	478 COBBLE DR
City	MONTROSE
State	CO
Zip	81403-8156
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBD: COBBLE CREEK SUBD FILING NO 4 LOT: C-27 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 · APN 3993-053-04-020

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	478 COBBLE DR, MONTROSE, CO 81403-8156
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 09, 2015	Deed of Trust, Mortgage · Conventional Mortgage NAVISTA FCU
Jul 30, 2007	Deed of Trust, Mortgage · Conventional Mortgage MONTROSE FCU
Nov 17, 2010	Deed of Trust, Mortgage · Conventional Mortgage NUVISTA FCU
Dec 17, 2020	Beneficiary Deed, Transfer
Dec 17, 2020	Beneficiary Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 24, 2002 · Amount on Record
Deed Sale	Sep 24, 2002 · Amount on Record
Last Transfer Date	Dec 16, 2020
Transfer Doc	929644
Record Updated	Jun 08, 2026

July 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTROSE CO
Property Address	478 COBBLE DR, MONTROSE, CO 81403-8156
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000866770
Date	Jul 09, 2015
Instrument	866770

Lender

Name	NAVISTA FCU
Address	MONTROSE, CO 81402

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Aug 01, 2025

July 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTROSE CO
Property Address	478 COBBLE DR, MONTROSE, CO 81403-8156
Transaction Type	Mortgage
Record Updated	Mar 24, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN HERITAGE TITL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000778341
Date	Jul 30, 2007
Instrument	778341

Lender

Name	MONTROSE FCU
Address	MONTROSE, CO 81402

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 01, 2022

November 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTROSE CO
Property Address	478 COBBLE DR, MONTROSE, CO 81403-8156
Transaction Type	Mortgage
Record Updated	Mar 24, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSU

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000819618
Date	Nov 17, 2010
Instrument	819618

Lender

Name	NUVISTA FCU
Address	MONTROSE, CO 81401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Dec 01, 2020

December 2020: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	MONTROSE CO
Recording Date	Dec 17, 2020
Property Address	478 COBBLE DR, MONTROSE, CO 81403-8156
Document Number	929644
Instrument Date	Dec 16, 2020
Instrument	929644
Transaction Type	Transfer
Record Updated	Aug 06, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	478 COBBLE DR, MONTROSE, CO 81403-8156

December 2020: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	MONTROSE CO
Recording Date	Dec 17, 2020
Property Address	478 COBBLE DR, MONTROSE, CO 81403-8156
Document Number	0000929644
Instrument Date	Dec 16, 2020
Instrument	929644
Transaction Type	Transfer
Record Updated	Mar 24, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	478 COBBLE DR, MONTROSE, CO 81403-8156

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,526.00 (+8.23%)	$45,990 (+16.46%)	$652,380 (+10.68%) Land $85,000 Building $567,380
2024	$2,334.00 (+4.62%)	$39,490 (-11.81%) Land $4,600 Building $34,890
2023	$2,231.00	$44,780 Land $5,210 Building $39,570	$589,420 Land $68,600 Building $520,820

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Montrose County (08085C), updated May 13, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 080859666011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low above 2% of the US · above 1% of Colorado
Wildfire Likelihood	Less than 1 in 10,000 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 180 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Delta Montrose Electric Association	Fiber	6,000 / 6,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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