Montrose County property record for 479 Cobble Dr, Montrose, CO 81403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,511 sqft · built 2002 |
| Lot Size | 0.393 acres (17,119 sqft) |
| Owner | Individual Name on File |
| Last Sale | $262,500 (Nov 2010) |
| Tax Bill | $2,721 (2025) |
| Deeds & Mortgages | Feb 2007 Mortgage Dec 2008 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3993-053-04-004 |
| Primary APN | 3993-053-04-004 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,511 sqft Heated Area |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 17,119 sqft (0.393 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | R0016389 |
|---|---|
| Street Address | 479 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: B-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 | 1017 |
| Census Tract | 966601 |
Source: Montrose County records · APN 3993-053-04-004
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 | 479 COBBLE DR, MONTROSE, CO 81403-8156 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 28, 2007 | Deed of Trust, Mortgage · ARM AMERICAS WHOLESALE LENDER |
| Dec 08, 2008 | Deed of Trust, Mortgage THE BANK OF NEW YORK |
| Nov 05, 2010 | Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSU |
| Jan 05, 2005 | Intrafamily Transfer, Transfer · ARM AMERICAN HOME MORTGAGE ACCEPTANCE I |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 05, 2010 · Amount on Record |
| Deed Sale | Nov 05, 2010 · Amount on Record |
| Prior Sale | Dec 29, 2004 |
| Deed Document Number | 2010819249 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTROSE CO |
| Property Address | 479 COBBLE DR, MONTROSE, CO 81403-8156 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Title Company | LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000768793 |
|---|---|
| Date | Feb 28, 2007 |
| Instrument | 768793 |
| Name | AMERICAS WHOLESALE LENDER |
|---|---|
| Type | Lending Institution |
| Address | CALABASAS, CA 91302 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 9.4% |
| Type Change Date | Mar 01, 2009 |
| Change Frequency | 6 Months |
| Min Rate At Change | 9.4% |
| Max Rate At Change | 10.9% |
| Index | 6-Month LIBOR |
| Margin | 7 |
| Max Rate | 16.4% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTROSE CO |
| Property Address | 479 COBBLE DR, MONTROSE, CO 81403-8156 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000797459 |
|---|---|
| Date | Dec 08, 2008 |
| Instrument | 797459 |
| Name | THE BANK OF NEW YORK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTROSE CO |
| Recording Date | Nov 05, 2010 |
| Property Address | 479 COBBLE DR, MONTROSE, CO 81403-8156 |
| Document Number | 0000819249 |
| Instrument Date | Nov 04, 2010 |
| Instrument | 819249 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2026 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TITLE INSU |
| Amount | Amount Recorded |
|---|---|
| Tax | $26.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 120 N MAPLE AVE, MONTROSE, CO 81401-3309 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONTROSE CO |
| Recording Date | Jan 05, 2005 |
| Property Address | 479 COBBLE DR, MONTROSE, CO 81403-8156 |
| Document Number | 0000730971 |
| Instrument Date | Dec 29, 2004 |
| Instrument | 730971 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2026 |
| Title Company | SECURITY TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 479 COBBLE DR, MONTROSE, CO 81403-8156 |
| Document Number | 0000730972 |
|---|---|
| Date | Jan 05, 2005 |
| Instrument | 730972 |
| Name | AMERICAN HOME MORTGAGE ACCEPTANCE I |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Type Change Date | Feb 01, 2010 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 10.6% |
| Index | 6-Month LIBOR |
| Max Rate | 10.6% |
| Document Number | 0000730973 |
|---|---|
| Date | Jan 05, 2005 |
| Instrument | 730973 |
| Name | IILB MORTGAGE |
|---|---|
| Address | MELVILLE, NY 11747 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 01, 2020 |
Source: Montrose County records · Assessment roll updated May 18, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Montrose County |
| Municipality | Montrose City |
| Unified School District | Montrose County School District RE-1J (PK - 12) |
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 | $2,721.00 (+7.17%) | $49,000 (+15.68%) | $695,030 (+9.93%) Land $85,000 Building $610,030 |
| 2024 | $2,539.00 (+4.66%) | $42,360 (-11.31%) Land $4,620 Building $37,740 | |
| 2023 | $2,426.00 | $47,760 Land $5,210 Building $42,550 | $632,260 Land $69,000 Building $563,260 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 98% of the US · lower than 99.2% of Colorado |
|---|---|
| Wildfire Likelihood | Under 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.
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.
5G (outdoors only) and 4G LTE
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 |
| 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.
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