Montezuma County property record for 1017 S Cedar St, Cortez, CO 81321
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,016 sqft · built 1982 |
| Lot Size | 0.306 acres (13,329 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,726 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Aug 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R010662 |
| Primary APN | R010662 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,016 sqft Total Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gambrel |
| Roof Material | Composition Shingle |
| Lot Area | 13,329 sqft (0.306 acres) |
| Garage Area | 506 sqft |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Account Number | R010662 |
|---|---|
| Street Address | 1017 S CEDAR ST |
| City | CORTEZ |
| State | CO |
| Zip | 81321-4061 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SUBDIVISION: VERDE VU LOT: 12-13 BLOCK: 8 S 35FT LOT 12; LOT 13; B626 P937 B635 P580 R/475316 |
| Legal Range | 14W |
| Legal Township | 37N |
| Legal Section | 35 |
| Legal Subdivision | VERDE VU |
| Legal Block | 8 |
| Legal Lot Number | 12-13 |
| Jurisdiction | MONTEZUMA CO |
| Township / Civil Division | CORTEZ |
| Census Block Group | 4 |
| Census Block | 4018 |
| Census Tract | 969400 |
1017 S Cedar St is owned and occupied by an individual who acquired it in August 2023.
Source: Montezuma County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1017 S CEDAR ST, CORTEZ, CO 81321-4061 |
| 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.
| Date | Document |
|---|---|
| Sep 9, 2026 | Deed of Trust, Mortgage · FHA Mortgage ADVANTAGEFIRST LNDG INC |
| Aug 2, 2023 | Intrafamily Transfer, Transfer · FHA Mortgage THE FEDERAL SAVINGS BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 2, 2023 |
| Deed Sale | Aug 2, 2023 |
| Prior Sale | Aug 2, 2007 · Amount on File |
| Deed Document Number | 2023651987 |
| Prior Transfer Date | Jul 26, 2023 |
| Prior Transfer Doc | 0000651987 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Recording Date | Sep 9, 2026 |
| Property Address | 1017 S CEDAR ST, CORTEZ, CO 81321-4061 |
| Document Number | 0000668843 |
| Instrument Date | Aug 24, 2026 |
| Instrument | 2026668843 |
| Transaction Type | Mortgage |
| Record Updated | Sep 16, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1017 S CEDAR ST, CORTEZ, CO 81321-4061 |
| Document Number | 0000668843, |
|---|---|
| Date | Sep 9, 2026 |
| Instrument | 2026668843 |
| Name | ADVANTAGEFIRST LNDG INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Recording Date | Aug 2, 2023 |
| Property Address | 1017 S CEDAR ST, CORTEZ, CO 81321-4061 |
| Document Number | 0000651987 |
| Map Reference | MB 10 PG 12 |
| Instrument Date | Jul 26, 2023 |
| Instrument | 651987 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1017 S CEDAR ST, CORTEZ, CO 81321-4061 |
| Document Number | 0000651988 |
|---|---|
| Date | Aug 2, 2023 |
| Instrument | 651988 |
| Name | THE FEDERAL SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2053 |
The 2025 property tax bill for 1017 S Cedar St was $1,726, up 45.3% from the year before.
Source: Montezuma County assessment roll, as of March 24, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Montezuma County |
| Municipality | Cortez City |
| Unified School District | Montezuma-Cortez School District RE-1 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,726.00 (+45.29%) | $34,198 (+47.92%) Land $3,086 Building $31,112 | $429,624 (+47.91%) Land $38,765 Building $390,859 |
| 2024 | $1,188.00 (+9.9%) | $23,120 (-15.92%) Land $2,594 Building $20,526 | $290,456 (-15.92%) Land $32,593 Building $257,863 |
| 2023 | $1,081.00 | $27,499 (+22.95%) Land $3,086 Building $24,413 | $345,456 (+22.95%) Land $38,765 Building $306,691 |
| 2022 | $1,081.00 | $22,366 Land $3,086 Building $19,280 | $280,976 Land $38,765 Building $242,211 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1017 S Cedar St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 26, 2008 · 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 risk around 1017 S Cedar St is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 80% of Colorado |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF CORTEZ serves 8,770 people · EPA ID CO0142200 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2025 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| Water Quality | Turbidity resolved · Jan 2020 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 353 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Clearnetworx Fiber | 1,000 / 1,000 |
| TDS Telecom Cable | 1,000 / 20 |
| Choice Broadband Fixed Wireless | 400 / 80 |
| Nimbus Solutions Fixed Wireless | 100 / 100 |
| Visionary Broadband Fixed Wireless | 100 / 20 |
May also be available: Farmers Telecommunications, T-Mobile.
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