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Single Family ResidenceResidential
$449,423$324 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 96How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $219,900 on Jun 6, 2018

1302 RIVER ROCK DR

MONTROSE, CO 81403
3
Beds
2
Baths
1,386 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.2 ac
Lot SizeThe size of the land the home sits on, from county records.
2017
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$449K
$431K low$468K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$219,900 · Jun 6, 2018
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$274,523
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$219,618
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.39%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$174,900
AMERICAN FINANCING CORP · recorded Jun 6, 2018

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,976 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$29,550 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$22,120
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$419,140

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.8 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyMONTROSE
Lot (acres)The size of the land the home sits on, from county records.0.20
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Montrose High SchoolB-
High · Grades 9–12 · 1.5 mi
E
Oak Grove Elementary SchoolB-
Elementary · Grades KG–5 · 1.7 mi
M
Columbine Middle SchoolB-
Middle · Grades 6–8 · 2.0 mi

District: Montrose County School District Re-1j

Neighborhood · ZIP 81403These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.67
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.90
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.131

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.26%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.3%
PopulationHow many people live in this area.13,179
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.24 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$73,634
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$97,701
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.16 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.81%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

1302 River Rock Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 76% of homes in Montrose 81403
  • Costs more per square foot than 73% of homes in Montrose County
  • Smaller than 77% of homes in Montrose 81403
  • Has a smaller lot than 89% of homes in Montrose 81403
  • Newer than 88% of homes in Montrose County

What homes are worth in Montrose 81403

Each bar is how many homes fall in that price range. The marker is this home.

This home
$164K$1.7M

This home is worth more than 24% of homes in Montrose 81403.

How it measures up in Montrose 81403

The dot is this home. The mark in the middle is the typical home in Montrose 81403.

Estimated value$449,423
CheaperTypical $645,573Pricier

Pricier than 24% of homes nearby

Price per ft²$324
CheaperTypical $318Pricier

Pricier than 53% of homes nearby

Living area1,386 ft²
SmallerTypical 1,908 ft²Bigger

Bigger than 23% of homes nearby

Lot size0.2 ac
SmallerTypical 1.98 acBigger

Bigger than 11% of homes nearby

Year built2017
OlderTypical 1998Newer

Newer than 85% of homes nearby

How 1302 River Rock Dr ranks against every home in each area.
MeasureThis homeMontrose 81403Montrose County
Estimated valuepricier than$449,42324% of homes46% of homes
Price per ft²pricier than$32453% of homes73% of homes
Living areabigger than1,386 ft²23% of homes30% of homes
Lot sizebigger than0.2 ac11% of homes29% of homes
Year builtnewer than201785% of homes88% of homes

About 1302 River Rock Dr

How much is 1302 River Rock Dr, Montrose, CO worth?

The TopHap Estimate for 1302 River Rock Dr, Montrose, CO is $449,423 as of Jul 14, 2026. The likely range is $430,507 to $468,339. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1302 River Rock Dr, Montrose, CO last sell?

1302 River Rock Dr, Montrose, CO last sold on Jun 6, 2018 for $219,900, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 1302 River Rock Dr, Montrose, CO?

1302 River Rock Dr, Montrose, CO has 3 bedrooms, 2 bathrooms, 1,386 square feet of living space and a 0.20-acre lot.

When was 1302 River Rock Dr, Montrose, CO built?

1302 River Rock Dr, Montrose, CO was built in 2017, making it 9 years old. The building has 1 story.

What schools serve 1302 River Rock Dr, Montrose, CO?

1302 River Rock Dr, Montrose, CO is assigned to Montrose High School (high), rated B-; Oak Grove Elementary School (elementary), rated B-; Columbine Middle School (middle), rated B-. All sit in Montrose County School District Re-1j. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1302 River Rock Dr, Montrose, CO compare to other homes in Montrose 81403?

Among the 5,244 homes in Montrose 81403, it is worth more than 24% of them ($449,423 against a typical $645,573), its price per square foot is higher than 53% of them ($324 against a typical $318), it is bigger than 23% of them (1,386 ft² against a typical 1,908 ft²), its lot is bigger than 11% of them (0.2 ac against a typical 1.98 ac) and it is newer than 85% of them (2017 against a typical 1998). Measured against all of Montrose County, it is worth more than 46% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 1302 River Rock Dr, Montrose, CO?

The 2025 property tax bill for 1302 River Rock Dr, Montrose, CO was $1,976. The county assessed it at $29,550.

More homes on River Rock Dr

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Assigned schools

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