585 Opal Dr, Montrose, CO 81403 Property Records

Montrose County property record for 585 Opal Dr, Montrose, CO 81403 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,549 sqft · built 2010
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$224,100 (Jun 2010)
Tax Bill	$2,031 (2025)
Deeds & Mortgages	Mar 2019 Mortgage May 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3993-052-17-001`

Property Details

APN / Parcel Number

Primary APN	`3993-052-17-001`
Alternative APN	`R0021904`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,549 sqft Heated Area

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R0021904
Street Address	585 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: 1 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

Owner

Source: Montrose County records · APN 3993-052-17-001

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	585 OPAL DR, MONTROSE, CO 81403-9809
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2019	Deed of Trust, Mortgage · FHA Mortgage PACIFIC BAY LENDING GROUP
May 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Apr 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jun 11, 2010	Warranty Deed, Subdivision Related Transfer · FHA Mortgage UNIFIRST MORTGAGE CORP
Sep 16, 2009	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 11, 2010 · Amount on Record
Deed Sale	Jun 11, 2010 · Amount on Record
Prior Sale	Sep 16, 2009 · Amount on Record
Deed Document Number	2010814557
Record Updated	Jun 08, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTROSE CO
Property Address	585 OPAL DR, MONTROSE, CO 81403-9809
Transaction Type	Mortgage
Record Updated	Mar 24, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000907358
Date	Mar 29, 2019
Instrument	907358

Lender

Name	PACIFIC BAY LENDING GROUP
Type	Lending Institution
Address	GARDEN GROVE, CA 92841

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2049

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTROSE CO
Property Address	585 OPAL DR, MONTROSE, CO 81403-9809
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	585 OPAL DR, MONTROSE, CO 81403-9809

Mortgage

Document Number	0000951106
Date	May 26, 2022
Instrument	951106

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2052

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTROSE CO
Property Address	585 OPAL DR, MONTROSE, CO 81403-9809
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	585 OPAL DR, MONTROSE, CO 81403-9809

Mortgage

Document Number	0000949330
Date	Apr 14, 2022
Instrument	949330

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2052

June 2010: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MONTROSE CO
Recording Date	Jun 11, 2010
Property Address	585 OPAL DR, MONTROSE, CO 81403-9809
Document Number	0000814557
Instrument Date	Jun 11, 2010
Instrument	814557
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 24, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$22.41
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	585 OPAL DR, MONTROSE, CO 81403-9809

Mortgage

Document Number	0000814558
Date	Jun 11, 2010
Instrument	814558

Lender

Name	UNIFIRST MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2040

September 2009: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTROSE CO
Recording Date	Sep 16, 2009
Property Address	585 OPAL DR, MONTROSE, CO 81403-9809
Document Number	0000806523
Instrument Date	Sep 14, 2009
Instrument	806523
Transaction Type	Transfer
Record Updated	Mar 24, 2026

Transaction

Amount	Amount Recorded
Tax	$10.00
Amount Accuracy	Rounded by County
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 4247, GRAND JUNCTION, CO 81502-4247

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
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	$2,031.00 (+5.95%)	$30,380 (+16.85%)	$430,900 (+11.02%) Land $98,000 Building $332,900
2024	$1,917.00 (+4.53%)	$26,000 (-15.58%) Land $4,930 Building $21,070
2023	$1,834.00	$30,800 Land $5,840 Building $24,960	$388,120 Land $73,570 Building $314,550

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 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; 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 116 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

May also be available at this address: Clearnetworx. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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