65746 Flat Top Rd, Montrose, CO 81401 Property Records

Montrose County property record for 65746 Flat Top Rd, Montrose, CO 81401

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,250 sqft · built 2010
Lot Size	63.4 acres (2,761,704 sqft)
Owner	Individual Name on Record
Tax Bill	$2,897 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Mar 2011 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`3767-103-01-006`

Property Details

APN / Parcel Number

Primary APN	`3767-103-01-006`
Alternative APNs	`3767-103-01-007` `R0023227` `R0027429`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Stories	1 Story
Building Area	2,250 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	2,761,704 sqft (63.4 acres)
Pole Barn	768 sqft

Utilities, Heating & Cooling

Heating Fuel	Geothermal

Location & Zoning

Account Number	R0027429
Street Address	65746 FLAT TOP RD
City	MONTROSE
State	CO
Zip	81401-8365
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBD: PRICE EXEMPTION FOR BOUNDARY LINE ADJUSTMENT TRACT: 2 NEW TRACT NO. 2 LESS DEED RECEPT #982399 S: 10 T: 49 R: 9 S: 15
Legal Range	09
Legal Township	49
Legal Section	10
Legal Subdivision	PRICE EXEMPTION FOR BOUNDARY LINE ADJUST
Legal Tract	2
Jurisdiction	MONTROSE CO
Township / Civil Division	MONTROSE
Census Block Group	1
Census Block	1012
Census Tract	966503

Owner

Source: Montrose County records, as of May 18, 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 Record
Mailing Address	65746 FLAT TOP RD, MONTROSE, CO 81401-8365
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF COLORADO
Mar 24, 2011	Deed of Trust, Mortgage · Conventional Mortgage MONTROSEBANK
Jan 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jul 8, 2010	Deed of Trust, Mortgage · Construction Mortgage MONTROSEBANK
Jun 30, 2025	Intrafamily Transfer, Transfer LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY
Aug 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jan 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 2, 2015
Transfer Doc	862895
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTROSE CO
Property Address	65746 FLAT TOP RD, MONTROSE, CO 81401-8365
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65746 FLAT TOP RD, MONTROSE, CO 81401-8365

Mortgage

Document Number	0000965135
Date	Sep 5, 2023
Instrument	965135

Lender

Name	BANK OF COLORADO
Type	Bank
Address	MONTROSE, CO 81401

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Aug 29, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTROSE CO
Property Address	65746 FLAT TOP RD, MONTROSE, CO 81401-8365
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000823293
Date	Mar 24, 2011
Instrument	823293

Lender

Name	MONTROSEBANK
Address	MONTROSE, CO 81401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2041

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTROSE CO
Property Address	65746 FLAT TOP RD, MONTROSE, CO 81401-8365
Transaction Type	Mortgage
Record Updated	Mar 24, 2026
Title Company	CLT CLOSING AND TITLE SERVICES, CLT CLOSING & TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000882478
Date	Jan 18, 2017
Instrument	882478

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2042

July 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTROSE CO
Property Address	65746 FLAT TOP RD, MONTROSE, CO 81401-8365
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000815342
Date	Jul 8, 2010
Instrument	815342

Lender

Name	MONTROSEBANK
Address	MONTROSE, CO 81401

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTROSE CO
Recording Date	Jun 30, 2025
Property Address	65746 FLAT TOP RD, MONTROSE, CO 81401-8365
Document Number	0000982400
Instrument Date	Jun 30, 2025
Instrument	982400
Transaction Type	Transfer
Record Updated	Mar 24, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	65746 FLAT TOP RD, MONTROSE, CO 81401-8365

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	65746 FLAT TOP RD, MONTROSE, CO 81401-8365

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTROSE CO
Property Address	65746 FLAT TOP RD, MONTROSE, CO 81401-8365
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	924190
Date	Aug 19, 2020
Instrument	924190

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTROSE CO
Property Address	65746 FLAT TOP RD, MONTROSE, CO 81401-8365
Transaction Type	Mortgage
Record Updated	Feb 1, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 882478
Date	Jan 18, 2017
Instrument	882478

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2042

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,897.00 (-13.73%)	$50,750 (+8.91%)	$719,080 (+3.37%) Land $190,000 Building $529,080
2024	$3,358.00 (+22.15%)	$46,600 (-10.68%) Land $10,100 Building $36,500
2023	$2,749.00	$52,170 Land $11,310 Building $40,860	$695,620 Land $150,820 Building $544,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 91% of Colorado
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TRI COUNTY WCD serves 20,490 people · EPA ID CO0143755
Water Source	Purchased surface water from PROJECT 7 WA
Last State Inspection	Nov 2024

Violations Reported to EPA

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, 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 2 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

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