Montrose County property record for 653 Opal Dr, Montrose, CO 81403 · Last verified May 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2006 |
| Square Footage | 1,593 sqft Heated Area |
| Lot Size | 10,000 sqft (0.23 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $209,000 (2006) |
| Tax Bill | $2,064.00 (2025) |
| Primary APN | 3993-052-15-017 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,593 sqft Heated Area |
| Stories | 1 Stories |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Construction Type | Wood Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 10,000 sqft (0.23 acres) |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Forced Air with Air Conditioning Heating |
| Heating Fuel | Gas Heating Fuel |
| Account Number | R0019631 |
|---|---|
| Street Address | 653 OPAL DR |
| City | MONTROSE |
| State | CO |
| Zip | 81403-9878 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SUBD: RIVER STONE MEADOWS LOT: 17 S: 5 T: 48 R: 9 |
| Legal Range | 09 |
| Legal Township | 48 |
| Legal Section | 05 |
| Legal Subdivision | RIVER STONE MEADOWS |
| Jurisdiction | MONTROSE CO |
| Minor Civil Division | MONTROSE |
| Census Blockgroup | 1 |
| Census Block | 1002 |
| Census Tract | 966601 |
Source: Montrose County records · APN 3993-052-15-017
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 | 653 OPAL DR, MONTROSE, CO 81403-9878 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 05, 2023 | Deed of Trust, Mortgage · Commercial Mortgage CITIZENS STATE BANK |
| Nov 10, 2025 | Deed of Trust, Mortgage · Commercial Mortgage CITIZENS STATE BANK |
| Nov 15, 2006 | Deed of Trust, Mortgage · Balloon Payment FIRST MAGNUS FINANCIAL CORP |
| Nov 15, 2006 | Warranty Deed, Transfer · Conventional Mortgage FIRST MAGNUS FINANCIAL CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 15, 2006 · Amount on Record |
| Deed Sale | Nov 15, 2006 · Amount on Record |
| Deed Doc Number | 2006764026 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTROSE CO |
| Property Address | 653 OPAL DR, MONTROSE, CO 81403-9878 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Title Company | LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 2851 OUTLOOK RD, MONTROSE, CO 81401-9144 |
| Document Number | 0000962505 |
|---|---|
| Date | Jun 05, 2023 |
| Instrument | 962505 |
| Name | CITIZENS STATE BANK |
|---|---|
| Type | Bank |
| Address | RIDGWAY, CO 81432 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jun 01, 2043 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTROSE CO |
| Property Address | 653 OPAL DR, MONTROSE, CO 81403-9878 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Title Company | LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 653 OPAL DR, MONTROSE, CO 81403-9878 |
| Document Number | 0000986113 |
|---|---|
| Date | Nov 10, 2025 |
| Instrument | 986113 |
| Name | CITIZENS STATE BANK |
|---|---|
| Type | Bank |
| Address | MONTROSE, CO 81402 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 07, 2055 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTROSE CO |
| Property Address | 653 OPAL DR, MONTROSE, CO 81403-9878 |
| Transaction Type | Mortgage |
| Record Updated | Mar 24, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN HERITAGE TITL |
| Name | Verified Name |
|---|
| Document Number | 0000764028 |
|---|---|
| Date | Nov 15, 2006 |
| Instrument | 764028 |
| Name | FIRST MAGNUS FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Address | TUCSON, AZ 85711 |
| Type | Balloon Payment |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Dec 01, 2021 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTROSE CO |
| Recording Date | Nov 15, 2006 |
| Property Address | 653 OPAL DR, MONTROSE, CO 81403-9878 |
| Document Number | 0000764026 |
| Instrument Date | Nov 13, 2006 |
| Instrument | 764026 |
| Transaction Type | Transfer |
| Record Updated | Mar 24, 2026 |
| Title Company | FIRST AMERICAN HERITAGE TITL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $20.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 653 OPAL DR, MONTROSE, CO 81403-9878 |
| Document Number | 0000764027 |
|---|---|
| Date | Nov 15, 2006 |
| Instrument | 764027 |
| Name | FIRST MAGNUS FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Address | TUCSON, AZ 85711 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2036 |
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 | $2,064.00 (+5.58%) | $30,870 (+16.45%) | $437,850 (+10.65%) Land $98,000 Building $339,850 |
| 2024 | $1,955.00 (+4.55%) | $26,510 (-15.38%) Land $4,940 Building $21,570 | |
| 2023 | $1,870.00 | $31,330 Land $5,840 Building $25,490 | $395,700 Land $73,750 Building $321,950 |
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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