675 Opal Dr, Montrose, CO 81403 Property Records

Montrose County property record for 675 Opal Dr, Montrose, CO 81403

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,784 sqft · built 2007
Lot Size	0.243 acres (10,579 sqft)
Owner	Individual on Record
Last Sale	$499,500 (Jun 2022)
Tax Bill	$2,322 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Jul 2010 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`3993-052-15-006`

Property Details

APN / Parcel Number

Primary APN	`3993-052-15-006`
Alternative APN	`R0019620`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,784 sqft Heated Area

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,579 sqft (0.243 acres)

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	R0019620
Street Address	675 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: 6 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	1000
Census Tract	966601

Owner

Source: Montrose County assessment roll, 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 on Record
Mailing Address	675 OPAL DR, MONTROSE, CO 81403-9878
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2022	Deed of Trust, Mortgage BANK OF COLORADO
Jul 6, 2010	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK N A
Oct 26, 2015	Deed of Trust, Mortgage · Line of Credit GRAND VALLEY BANK
May 26, 2015	Deed of Trust, Mortgage · Conventional Mortgage BANK OF COLORADO
Jun 20, 2022	Special Warranty Deed, Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC
Nov 4, 2008	Warranty Deed, Subdivision Related Transfer FIRST AMERICAN TITLE, FIRST AMERICAN HERITAGE TITL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2022 · Amount on Record
Deed Sale	Jun 20, 2022 · Amount on Record
Prior Sale	Nov 4, 2008 · Amount on Record
Deed Document Number	2022952226
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTROSE CO
Property Address	675 OPAL DR, MONTROSE, CO 81403-9878
Transaction Type	Mortgage
Record Updated	Mar 24, 2026
Title Company	COLORADO TITLE AND CLOSING SERVICES, COLORADO TTL & CLOSING SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	675 OPAL DR, MONTROSE, CO 81403-9878

Mortgage

Document Number	0000949613
Date	Apr 20, 2022
Instrument	949613

Lender

Name	BANK OF COLORADO
Type	Bank
Address	MONTROSE, CO 81401

Agreement

Amount	Amount Recorded

July 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTROSE CO
Property Address	675 OPAL DR, MONTROSE, CO 81403-9878
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000815211
Date	Jul 6, 2010
Instrument	815211

Lender

Name	WELLS FARGO BANK N A
Type	Bank
Address	NEWARK, NJ 07101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2040

October 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTROSE CO
Property Address	675 OPAL DR, MONTROSE, CO 81403-9878
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000869859
Date	Oct 26, 2015
Instrument	869859

Lender

Name	GRAND VALLEY BANK
Type	Bank
Address	GRAND JUNCTION, CO 81501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Oct 15, 2016

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTROSE CO
Property Address	675 OPAL DR, MONTROSE, CO 81403-9878
Transaction Type	Mortgage
Record Updated	Mar 24, 2026
Title Company	FNTIC, FNTC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000865384
Date	May 26, 2015
Instrument	865384

Lender

Name	BANK OF COLORADO
Type	Bank
Address	JOHNSTOWN, CO 80534

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2030

June 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTROSE CO
Recording Date	Jun 20, 2022
Property Address	675 OPAL DR, MONTROSE, CO 81403-9878
Document Number	0000952226
Map Reference	DOC 748987
Instrument Date	Jun 16, 2022
Instrument	952226
Transaction Type	Transfer
Record Updated	Mar 24, 2026
Title Company	LAND TITLE GUARANTY COMPANY IN, LAND TITLE GUARANTEE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$49.95
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	675 OPAL DR, MONTROSE, CO 81403-9878

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	675 OPAL DR, MONTROSE, CO 81403-9878

Mortgage

Document Number	0000952227
Date	Jun 20, 2022
Instrument	952227

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

November 2008: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MONTROSE CO
Recording Date	Nov 4, 2008
Property Address	675 OPAL DR, MONTROSE, CO 81403-9878
Document Number	0000796541
Instrument Date	Oct 31, 2008
Instrument	796541
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 24, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN HERITAGE TITL

Transaction

Amount	Amount Recorded
Tax	$22.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	675 OPAL DR, MONTROSE, CO 81403-9878

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	$2,322.00 (+3.34%)	$34,730 (+13.98%)	$492,570 (+8.32%) Land $98,000 Building $394,570
2024	$2,247.00 (+4.51%)	$30,470 (-14%) Land $5,020 Building $25,450
2023	$2,150.00	$35,430 Land $5,840 Building $29,590	$454,720 Land $74,940 Building $379,780

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.

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 95% of the US · lower than 98.1% of Colorado
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	CHIPETA WD serves 3,802 people · EPA ID CO0143176
Water Source	Purchased surface water from PROJECT 7 WA
Last State Inspection	May 2023

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 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Elevate Internet Fiber	6,000 / 6,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Clearnetworx.

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