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3618 Ridgeline Drive, Montrose, CO, 81401

4beds
4baths
2,488sqft
$995,000
$400price/sqft
$5,774/moest. monthly cost
$230,960/yrincome needed

About This Home

Perched high above the Uncompahgre River with commanding views of the San Juan Mountains, this newly built single level home boasts four bedrooms, four bathrooms, separate laundry room and oversized garage. Three of the bedrooms have their own en suite bathroom, walk-in closet and gorgeous views. The kitchen is equally impressive, featuring high quality custom made cabinetry, spacious walk in pantry, Bosch appliances and quartz countertops. This home is true to the quality, design and opulence you expect from a Coker built home. An abundance of natural light warms the great room and both primary and secondary bedrooms. Hickory hardwood flooring creates an impressive look and feel. This is truly one of a kind home. Relax on your covered patio while you enjoy the unsurpassed views of the San Juan Mountain Range. There is additional room for your Recreational vehicles in the oversized attached three car garage. Shopping, the Montrose Recreation Center and endless outdoor amenities await you from this convenient location. Whether you're seeking a serene retreat or a functional property to accommodate your Colorado lifestyle, 3618 Ridgeline Drive offers the perfect blend of luxury, comfort and natural splendor. Come see it today! Some photos of this listing may include virtually staged amenities, furniture or fixtures.

Getting Around

32
WalkingCar-Dependent
0
TransitVery Limited Transit
21
BikeSomewhat Bikeable

Schools

8/10
5/10
Columbine Middle SchoolGrades 6-82.1 mi
6/10
Montrose High SchoolGrades 9-122.2 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2026

Materials

  • Roof: Architectural Shingles
  • Construction materials: Wood Frame,Stucco

Type & Style

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

Interior

Appliances

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

Basement

  • Basement: Crawl Space

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 2
  • 3/4 bathrooms: 1
  • 1/2 bathrooms: 1

Cooling

  • Cooling features: Central Air

Features

  • Cathedral Ceiling(s),Wet Bar,Walk-In Closet(s),Mud Room
  • Window features: Double Pane Windows
  • Flooring: Carpet-Partial,Tile
  • Fireplace features: Living Room
  • Fireplace: Yes
  • Finished area above ground: 2,488

Interior Area

  • Total structure area: 2,488
  • Total interior livable area: 2,488 sqft

Property

Details

  • Parcel number: 399304113035
  • Zoning description: Residential Single Family

Features

  • Patio & porch: Covered Porch,Patio

Lot

  • Lot size: 0.29 Acres
  • Features: Adj to Open Space,Boundaries Surveyed,Cleared
  • Lot size dimensions: 147 x 136 x 121 x 57

Parking

  • Total spaces: 3
  • Parking features: Attached Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Lightning
Inland Flooding
Landslide
Wildfire
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 $5,031$60,372
Home Insurance *$258$3,096
Property Taxes $298$3,576
Electricity $187$2,253
Total$5,774$69,288
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$197,965/yr
40% on housing$173,220/yr
45% on housing$153,973/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

$400This listing

vs Other Active Listings

Avg $/sqft

ZIP 81401$203
Montrose County$395

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)

No zestimate history available

Price History

DateEventPrice
2026-05-13Price change$1,050,000
2026-04-27Price change$1,100,000
2026-04-04Listed for sale$1,200,000
2026-03-29Contingent$1,200,000
2026-02-21Listed for sale$1,200,000

New Construction

AgentJennifer Weber
BrokerageNorris-Phillips Real Estate, LLC

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