Montrose County property record for 521 Opal Dr, Montrose, CO 81403 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2017 |
| Square Footage | 1,624 sqft Heated Area |
| Lot Size | 11,195 sqft (0.257 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $389,000 (2021) |
| Tax Bill | $2,199.00 (2025) |
| Primary APN | 3993-052-17-006 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,624 sqft Heated Area |
| Stories | 1 Story |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,195 sqft (0.257 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | R0021909 |
|---|---|
| Street Address | 521 OPAL DR |
| City | MONTROSE |
| State | CO |
| Zip | 81403-9809 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBD: RIVER STONE SUBD FILING NO 1 LOT: 6 S: 5 T: 48 R: 9 |
| Legal Range | 09 |
| Legal Township | 48 |
| Legal Section | 05 |
| Legal Subdivision | RIVER STONE SUBD |
| Jurisdiction | MONTROSE CO |
| Township / Civil Division | MONTROSE |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 966601 |
Source: Montrose County records · APN 3993-052-17-006
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 | 521 OPAL DR, MONTROSE, CO 81403-9809 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 07, 2017 | Deed of Trust, Mortgage MARY LOU KENNEDY |
| Jul 22, 2021 | Warranty Deed, Transfer LAND TITLE GUARANTEE |
| Jul 22, 2021 | Warranty Deed, Transfer LAND TITLE GUARANTEE |
| Jun 07, 2017 | Deed of Trust, Mortgage MARY LOU KENNEDY |
| Nov 06, 2018 | Warranty Deed, Transfer LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO |
| Nov 06, 2018 | Warranty Deed, Transfer LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO |
| Feb 15, 2018 | Warranty Deed, Transfer · Conventional Mortgage CORNERSTONE HOME LENDING INC |
| Feb 15, 2018 | Warranty Deed, Transfer · Conventional Mortgage CORNERSTONE HOME LENDING INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 22, 2021 · Amount on Record |
| Deed Sale | Jul 22, 2021 · Amount on Record |
| Prior Sale | Nov 06, 2018 · Amount on Record |
| Deed Document Number | 2021938864 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTROSE CO |
| Property Address | 521 OPAL DR, MONTROSE, CO 81403-9809 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000886544 |
|---|---|
| Date | Jun 07, 2017 |
| Instrument | 886544 |
| Name | MARY LOU KENNEDY |
|---|---|
| Type | Private Party |
| Address | 1912 MONUMENT CANYON DR, GRAND JUNCTION, CO 81507 |
| Amount | Amount Recorded |
|---|---|
| Term | 3 Months |
| Due | Aug 31, 2017 |
| Rate | 10% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTROSE CO |
| Recording Date | Jul 22, 2021 |
| Property Address | 521 OPAL DR, MONTROSE, CO 81403-9809 |
| Document Number | 0000938864 |
| Instrument Date | Jul 22, 2021 |
| Instrument | 938864 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2026 |
| Title Company | LAND TITLE GUARANTEE |
| Amount | Amount Recorded |
|---|---|
| Tax | $38.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 521 OPAL DR, MONTROSE, CO 81403-9809 |
| Name | Verified Name |
|---|---|
| Address | 521 OPAL DR, MONTROSE, CO 81403-9809 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTROSE CO |
| Recording Date | Jul 22, 2021 |
| Property Address | 521 OPAL DR, MONTROSE, CO 81403-9809 |
| Document Number | 938864 |
| Instrument Date | Jul 22, 2021 |
| Instrument | 938864 |
| Transaction Type | Transfer |
| Record Updated | Aug 03, 2021 |
| Title Company | LAND TITLE GUARANTEE |
| Amount | Amount Recorded |
|---|---|
| Tax | $38.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 521 OPAL DR, 521, MONTROSE, CO 81403-9809 |
| Name | Verified Name |
|---|---|
| Address | 521 OPAL DR, MONTROSE, CO 81403-9809 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTROSE CO |
| Property Address | 521 OPAL DR, MONTROSE, CO 81403-9809 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 886544 |
|---|---|
| Date | Jun 07, 2017 |
| Instrument | 886544 |
| Name | MARY LOU KENNEDY |
|---|---|
| Type | Private Party |
| Address | 1912 MONUMENT CANYON DR, GRAND JUNCTION, CO 81507 |
| Amount | Amount Recorded |
|---|---|
| Term | 3 Months |
| Due | Aug 31, 2017 |
| Rate | 10% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTROSE CO |
| Recording Date | Nov 06, 2018 |
| Property Address | 521 OPAL DR, MONTROSE, CO 81403-9809 |
| Document Number | 902733 |
| Map Reference | DOC803359 |
| Instrument Date | Nov 06, 2018 |
| Instrument | 902733 |
| Transaction Type | Transfer |
| Record Updated | Aug 06, 2021 |
| Title Company | LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $25.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 521 OPAL DR, MONTROSE, CO 81403-9809 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTROSE CO |
| Recording Date | Nov 06, 2018 |
| Property Address | 521 OPAL DR, MONTROSE, CO 81403-9809 |
| Document Number | 0000902733 |
| Map Reference | DOC803359 |
| Instrument Date | Nov 06, 2018 |
| Instrument | 902733 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2026 |
| Title Company | LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $25.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 521 OPAL DR, MONTROSE, CO 81403-9809 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTROSE CO |
| Recording Date | Feb 15, 2018 |
| Property Address | 521 OPAL DR, MONTROSE, CO 81403-9809 |
| Document Number | 894298 |
| Map Reference | DOC803359 |
| Instrument Date | Feb 15, 2018 |
| Instrument | 894298 |
| Transaction Type | Transfer |
| Record Updated | Aug 06, 2021 |
| Title Company | LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $23.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 521 OPAL DR, MONTROSE, CO 81403-9809 |
| Document Number | 894299 |
|---|---|
| Date | Feb 15, 2018 |
| Instrument | 894299 |
| Name | CORNERSTONE HOME LENDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTROSE CO |
| Recording Date | Feb 15, 2018 |
| Property Address | 521 OPAL DR, MONTROSE, CO 81403-9809 |
| Document Number | 0000894298 |
| Map Reference | DOC803359 |
| Instrument Date | Feb 15, 2018 |
| Instrument | 894298 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2026 |
| Title Company | LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $23.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 521 OPAL DR, MONTROSE, CO 81403-9809 |
| Document Number | 0000894299 |
|---|---|
| Date | Feb 15, 2018 |
| Instrument | 894299 |
| Name | CORNERSTONE HOME LENDING INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2048 |
Source: Montrose County records · Assessment roll updated May 18, 2026 · Last verified May 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Montrose County |
| 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 | $2,199.00 (+4.42%) | $32,890 (+15.16%) | $466,460 (+9.41%) Land $98,000 Building $368,460 |
| 2024 | $2,106.00 (+4.52%) | $28,560 (-14.64%) Land $4,980 Building $23,580 | |
| 2023 | $2,015.00 | $33,460 Land $5,840 Building $27,620 | $426,340 Land $74,400 Building $351,940 |
Source: FEMA National Flood Hazard Layer, Montrose County (08085C), updated May 13, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 5% of the US · above 2% 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; lenders make the official flood determination.
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