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445 N 4th Street, Montrose, CO, 81401

5beds
3baths
2,945sqft
$689,000
$234price/sqft
$4,090/moest. monthly cost
$163,600/yrincome needed

About This Home

Exclusive, Character-Filled Offering with 5 Bedrooms, Unmatched Functionality, A Huge Lot, And Ready to Elevate You to Your Best Downtown Lifestyle! Beam with Pride as you survey stately curb appeal, manicured and mature landscaping, and a huge, covered front porch - perfect for sipping your morning coffee as the world wakes up around you. This home marries tradition with modern functionality, classic character with discerning finishes everywhere you look. Step inside to a strategic, open concept layout, perfect for entertaining and being the spot in the neighborhood where everyone wants to gather. The kitchen delivers on-trend, white shaker cabinetry, sharp butcher block countertops, tasteful tile and beautiful stainless steel appliances. It also provides an eat-in bar, craftsman touches everywhere, great natural light and access to the backyard. Additional elevated spaces bring a higher quality of life, such as an oversize laundry room, perfect for keeping the mess out of sight, and even a butler's pantry complete with an additional sink, more storage, and would be the perfect spot for the coffee/beverage bar of your dreams. Enjoy a main floor en-suite, complete with a huge walk-in closet, a gorgeous, tiled walk-in shower, and plenty of room for a yoga mat or reading nook. Also on the main level are a formal dining room, as well as a sun room, which could function as an excellent home gym or home office. Upstairs are 4 additional bedrooms, complete with their own unique and versatile selling points. Walk-in closets, nooks for customization and creating inspired spaces, streaming natural light; the only thing remaining is for someone to fill these rooms with beauty, laughter, and memories. Also upstairs is an additional laundry setup for added convenience and a guest bathroom. Have excess gear, clutter, decor, or just junk you probably don't need but aren't ready to let go of? Look no further than the expansive basement, which includes multiple rooms and tons of storage for whatever you're bringing with you. One step to the backyard and your favorite beverage will hit different as you revel in fruit trees and garden boxes galore, an extended Trex-covered patio, towering trees bringing shade, a detached workshop, and all on a massive, corner lot with privacy and plenty of room for expansion. Ditch the car and walk just blocks to a budding restaurant and brewery scene, a historic movie theatre, boutique shopping, coffee shops, and everything that makes metro-Montrose the place to be. Downtown is Blooming and Becoming Something Special; and Your Ideal Basecamp is Ready and Waiting. Experience it For Yourself Today!

Getting Around

75
WalkingVery Walkable
0
TransitVery Limited Transit
59
BikeBikeable

Schools

5/10
6/10
Centennial Middle SchoolGrades 6-80.9 mi
6/10
Montrose High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 1975

Materials

  • Roof: Metal
  • Construction materials: Wood Frame,Brick,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Stick Built

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: W/D Hookup

Basement

  • Has basement: Yes
  • Basement: Unfinished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Dining Room

  • Features: Breakfast Nook,Kitchen/Dining,Separate Dining

Features

  • Ceiling Fan(s),Granite Counters,Pantry,Walk-In Closet(s),Sun Room
  • Flooring: Tile,Vinyl
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area above ground: 2,945

Heating & Cooling

  • Heating features: Hot Water Baseboard
  • Cooling features: Central Air,Ceiling Fan(s)

Interior Area

  • Total structure area: 2,945
  • Total interior livable area: 2,945 sqft

Master Bedroom

  • Level: Main

Property

Details

  • Parcel number: 376728134016
  • Zoning description: Residential Single Family

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Deck,Patio
  • Exterior features: Landscaping

Lot

  • Lot size: 0.29 Acres
  • Features: Corner Lot

Parking

  • Total spaces: 2
  • Parking features: Attached Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Earthquake
    EarthquakeModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Inland Flooding
Earthquake
Winter Weather

FEMA Declared Disasters Across Colorado Counties

Fire
Flood
Severe Storm
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,483$41,796
Home Insurance *$179$2,148
Property Taxes $206$2,472
Electricity $222$2,667
Total$4,090$49,080
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$140,228/yr
40% on housing$122,700/yr
45% on housing$109,066/yr

Colorado FAIR Plan Programs

Colorado FAIR Plan

Covered
WildfireWildfire
Add-on available
HailHail
WindWind
Visit Website →

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.7%
13.7%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 5.0%
5.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$234This listing

vs Other Active Listings

Avg $/sqft

ZIP 81401$206
Montrose County$397

vs Homes Sold Last Month

Median $/sqft

ZIP 81401$265
Montrose County$258

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-12Contingent$689,000
2026-06-18Listed for sale$689,000
2025-01-23Sold$640,000
2024-11-11Listed for sale$664,000
2024-10-18Contingent$669,000
2024-09-28Listed for sale$669,000
2021-11-01Sold$385,000

For Sale by Agent

AgentDiana Atha Team
BrokerageKeller Williams Colorado West Realty

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