495 Centennial Dr, Olathe, CO 81425 Property Records

Montrose County property record for 495 Centennial Dr, Olathe, CO 81425

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,184 sqft · built 1979
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Mar 2022)
Tax Bill	$2,013 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3723-094-08-009`

Property Details

APN / Parcel Number

Primary APN	`3723-094-08-009`
Alternative APN	`R0008163`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,184 sqft Heated Area

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1991
Architectural Style	English
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,100 sqft (0.163 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	Radiant
Heating Fuel	Electric

Location & Zoning

Account Number	R0008163
Street Address	495 CENTENNIAL DR
City	OLATHE
State	CO
Zip	81425-8729
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBD: ALCOTT REPLAT LOT: 9 S: 9 T: 50 R: 10
Legal Range	10
Legal Township	50
Legal Section	09
Legal Subdivision	ALCOTT
Jurisdiction	MONTROSE CO
Township / Civil Division	OLATHE
Census Block Group	2
Census Block	2047
Census Tract	966202

Owner

495 Centennial Dr is owned and occupied by an individual who bought it in March 2022.

Source: Montrose County records, as of May 18, 2026

Owner of Record	Individual Name on File
Mailing Address	495 CENTENNIAL DR, OLATHE, CO 81425-8729
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
Sep 9, 2020	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Mar 15, 2022	Special Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 2022 · Amount on File
Deed Sale	Mar 15, 2022 · Amount on File
Prior Sale	Oct 23, 2006 · Amount on File
Deed Document Number	2022948021
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTROSE CO
Property Address	495 CENTENNIAL DR, OLATHE, CO 81425-8729
Transaction Type	Mortgage
Record Updated	Jul 26, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000925045
Date	Sep 9, 2020
Instrument	925045

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

March 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTROSE CO
Recording Date	Mar 15, 2022
Property Address	495 CENTENNIAL DR, OLATHE, CO 81425-8729
Document Number	0000948021
Instrument Date	Mar 14, 2022
Instrument	948021
Transaction Type	Transfer
Record Updated	Jul 26, 2022
Title Company	FIDELITY NATIONAL TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$33.00
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	495 CENTENNIAL DR, OLATHE, CO 81425-8729

Mortgage

Document Number	0000948022
Date	Mar 15, 2022
Instrument	948022

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Mortgage

Document Number	0000948023
Date	Mar 15, 2022
Instrument	948023

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	Apr 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 495 Centennial Dr was $2,013, up 23% from the year before.

Source: Montrose County assessment roll, as of May 18, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Montrose County
Municipality	Olathe Town
Unified School District	Montrose County School District RE-1J (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,013.00 (+22.97%)	$28,140 (+36.07%)	$399,120 Land $47,200 Building $351,920
2024	$1,637.00 (+3.28%)	$20,680 (-18.16%) Land $2,560 Building $18,120
2023	$1,585.00	$25,270 Land $3,130 Building $22,140	$308,570 Land $38,190 Building $270,380

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 495 Centennial Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2010)
Most Recent Claim	Mar 2010 · other causes

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 495 Centennial Dr 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 97% of the US · lower than 98.8% of Colorado
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	TOWN OF OLATHE serves 3,015 people · EPA ID CO0143582
Water Source	Purchased surface water from several systems
Last State Inspection	Jan 2023

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 268 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Elevate Internet Fiber	6,000 / 6,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Clearnetworx, Spectrum.

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