10005 Rd 23, Cortez, CO 81321 Property Records

Montezuma County property record for 10005 Rd 23, Cortez, CO 81321

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,759 sqft · built 1991
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Last Sale	$340,000 (May 2014)
Tax Bill	$2,051 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Jan 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R010488`

Property Details

APN / Parcel Number

Primary APN	`R010488`
Alternative APN	`561128200048`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,759 sqft Total Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Metal
Lot Area	217,800 sqft (5 acres)
Garage Area	732 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric
Sewer	Municipal

Location & Zoning

Account Number	R010488
Street Address	10005 ROAD 23
City	CORTEZ
State	CO
Zip	81321-9426
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A/R 3-9
Legal Description	SECTION: 28 TOWNSHIP: 36 RANGE: 16 S 5AC W1/2W1/2NW1/4NW1/4 5AC B644 P144 B710 P560
Legal Range	16W
Legal Township	36N
Legal Section	28
Jurisdiction	MONTEZUMA CO
Township / Civil Division	CORTEZ
Census Block Group	1
Census Block	1003
Census Tract	969600

Owner

10005 Rd 23 is owned and occupied by an individual who acquired it in July 2020.

Source: Montezuma County records, as of March 24, 2026

Owner of Record	Individual Name on File
Mailing Address	10005 ROAD 23, CORTEZ, CO 81321-9426
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2025	Deed of Trust, Mortgage · Line of Credit THE DOLORES STATE BANK
Jan 26, 2021	Deed of Trust, Mortgage · Line of Credit THE DOLORES STATE BANK
Jul 1, 2020	Intrafamily Transfer, Transfer
Feb 20, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 28, 2014 · Amount on File
Deed Sale	May 28, 2014 · Amount on File
Prior Sale	Jun 23, 1995 · Amount on File
Deed Document Number	2014594674
Last Transfer Date	Jul 1, 2020
Transfer Doc	0000630215
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEZUMA CO
Property Address	10005 ROAD 23, CORTEZ, CO 81321-9426
Transaction Type	Mortgage
Record Updated	Nov 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10005 ROAD 23, CORTEZ, CO 81321-9426

Mortgage

Document Number	0000664162
Date	Nov 5, 2025
Instrument	664162

Lender

Name	THE DOLORES STATE BANK
Type	Bank
Address	DOLORES, CO 81323

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Nov 17, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEZUMA CO
Property Address	10005 ROAD 23, CORTEZ, CO 81321-9426
Transaction Type	Mortgage
Record Updated	Mar 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	634581
Date	Jan 26, 2021
Instrument	634581

Lender

Name	THE DOLORES STATE BANK
Type	Bank
Address	DOLORES, CO 81323

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jan 20, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEZUMA CO
Recording Date	Jul 1, 2020
Property Address	10005 ROAD 23, CORTEZ, CO 81321-9426
Document Number	0000630215
Instrument Date	Jul 1, 2020
Instrument	630215
Transaction Type	Transfer
Record Updated	Apr 1, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	10005 ROAD 23, CORTEZ, CO 81321-9426

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEZUMA CO
Recording Date	Feb 20, 2020
Property Address	10005 ROAD 23, CORTEZ, CO 81321-9426
Document Number	0000627944
Instrument Date	Feb 20, 2020
Instrument	627944
Transaction Type	Transfer
Record Updated	Apr 1, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	10005 ROAD 23, CORTEZ, CO 81321-9426

Tax Assessment & Valuation

The 2025 property tax bill for 10005 Rd 23 was $2,051, up 9.1% from the year before.

Source: Montezuma County assessment roll, as of March 24, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Montezuma County
Unified School District	Montezuma-Cortez School District RE-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,051.00 (+9.1%)	$40,420 (+10.81%) Land $6,169 Building $34,251	$507,785 (+10.8%) Land $77,500 Building $430,285
2024	$1,880.00 (+9.75%)	$36,478 (-10.72%) Land $4,264 Building $32,214	$458,270 (-10.72%) Land $53,571 Building $404,699
2023	$1,713.00 (+37.04%)	$40,856 (+58.61%) Land $4,776 Building $36,080	$513,270 (+58.61%) Land $60,000 Building $453,270
2022	$1,250.00	$25,759 Land $5,254 Building $20,505	$323,598 Land $66,000 Building $257,598

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

FEMA maps place 10005 Rd 23 in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 26, 2008

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 10005 Rd 23 is moderate, ranking above 60% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 60% of the US · above 48% of Colorado
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Choice Broadband Fixed Wireless	400 / 80
Nimbus Solutions Fixed Wireless	100 / 20
AlignTec Fixed Wireless	50 / 25
T-Mobile Fixed Wireless	25 / 3

May also be available: Farmers Telecommunications, Visionary Broadband.

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