Montrose County property record for 631 Opal Dr, Montrose, CO 81403
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,788 sqft · built 2007 |
| Lot Size | 0.23 acres (10,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $270,000 (Jan 2018) |
| Tax Bill | $2,327 (2025) |
| Deeds & Mortgages | Feb 2017 Mortgage Aug 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3993-052-15-018 |
| Primary APN | 3993-052-15-018 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,788 sqft Heated Area |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,000 sqft (0.23 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | R0019632 |
|---|---|
| Street Address | 631 OPAL DR |
| City | MONTROSE |
| State | CO |
| Zip | 81403-9878 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUBD: RIVER STONE MEADOWS LOT: 18 S: 5 T: 48 R: 9 |
| Legal Range | 09 |
| Legal Township | 48 |
| Legal Section | 05 |
| Legal Subdivision | RIVER STONE MEADOWS |
| Jurisdiction | MONTROSE CO |
| Township / Civil Division | MONTROSE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 966601 |
Source: Montrose County records · APN 3993-052-15-018
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 | 631 OPAL DR, MONTROSE, CO 81403-9878 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 02, 2017 | Deed of Trust, Mortgage · Conventional Mortgage NUVISTA FCU |
| Aug 04, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC |
| Feb 02, 2018 | Deed of Trust, Mortgage · Conventional Mortgage NUVISTA FCU |
| Sep 02, 2015 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC |
| Jan 26, 2018 | Warranty Deed, Transfer · Conventional Mortgage NUVISTA FCU |
| May 23, 2008 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage GMAC MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 26, 2018 · Amount on Record |
| Deed Sale | Jan 26, 2018 · Amount on Record |
| Prior Sale | Mar 20, 2012 · Amount on Record |
| Deed Document Number | 2018893734 |
| Prior Transfer Date | Feb 19, 2012 |
| Prior Transfer Doc | 0000833397 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTROSE CO |
| Property Address | 631 OPAL DR, MONTROSE, CO 81403-9878 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Title Company | LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO |
| Name | Verified Name |
|---|
| Document Number | 0000893950 |
|---|---|
| Date | Feb 02, 2017 |
| Instrument | 893950 |
| Name | NUVISTA FCU |
|---|---|
| Type | Credit Union |
| Address | MONTROSE, CO 81401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 372 Months |
| Due | Feb 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTROSE CO |
| Property Address | 631 OPAL DR, MONTROSE, CO 81403-9878 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Name | Verified Name |
|---|---|
| Address | 631 OPAL DR, MONTROSE, CO 81403-9878 |
| Document Number | 0000939446 |
|---|---|
| Date | Aug 04, 2021 |
| Instrument | 939446 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Sep 01, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTROSE CO |
| Property Address | 631 OPAL DR, MONTROSE, CO 81403-9878 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Title Company | LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO |
| Name | Verified Name |
|---|
| Document Number | 0000893950 |
|---|---|
| Date | Feb 02, 2018 |
| Instrument | 893950 |
| Name | NUVISTA FCU |
|---|---|
| Type | Credit Union |
| Address | MONTROSE, CO 81401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTROSE CO |
| Property Address | 631 OPAL DR, MONTROSE, CO 81403-9878 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000868349 |
|---|---|
| Date | Sep 02, 2015 |
| Instrument | 868349 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTROSE CO |
| Recording Date | Jan 26, 2018 |
| Property Address | 631 OPAL DR, MONTROSE, CO 81403-9878 |
| Document Number | 0000893734 |
| Instrument Date | Jan 26, 2016 |
| Instrument | 893734 |
| 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 | $27.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 631 OPAL DR, MONTROSE, CO 81403-9878 |
| Document Number | 0000893735 |
|---|---|
| Date | Jan 26, 2018 |
| Instrument | 893735 |
| Name | NUVISTA FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTROSE CO |
| Recording Date | May 23, 2008 |
| Property Address | 631 OPAL DR, MONTROSE, CO 81403-9878 |
| Document Number | 0000790788 |
| Instrument Date | May 22, 2008 |
| Instrument | 790788 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 24, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN HERITAGE TITL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $24.95 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 631 OPAL DR, MONTROSE, CO 81403-9878 |
| Document Number | 0000790789 |
|---|---|
| Date | May 23, 2008 |
| Instrument | 790789 |
| Name | GMAC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2038 |
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 | $2,327.00 (+3.28%) | $34,810 (+13.94%) | $493,750 (+8.28%) Land $98,000 Building $395,750 |
| 2024 | $2,253.00 (+4.55%) | $30,550 (-13.99%) Land $5,020 Building $25,530 | |
| 2023 | $2,155.00 | $35,520 Land $5,840 Building $29,680 | $455,990 Land $74,960 Building $381,030 |
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 95% of the US · lower than 98.1% 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 |
May also be available: Clearnetworx.
Based on FCC filings for 116 locations within half a mile of this property.
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 | CHIPETA WD serves 3,802 people |
|---|---|
| Water Source | Purchased surface water from PROJECT 7 WA |
| Last State Inspection | May 2023 |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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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