1023 S Chestnut St, Cortez, CO 81321 Property Records

Montezuma County property record for 1023 S Chestnut St, Cortez, CO 81321

Property Summary

Property Type	Single Family Home
Lot Size	0.98 acres (42,689 sqft)
Owner	Individual Name on Record
Last Sale	$375,000 (Apr 2024)
Tax Bill	$1,358 (2025)
Deeds & Mortgages	Apr 2024 Sale & Second Mortgage Jul 2017 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R018444`

Property Details

APN / Parcel Number

Primary APN	`R018444`
Alternative APN	`561135228004`

Exterior

Lot Area	42,689 sqft (0.98 acres)

Location & Zoning

Account Number	R018444
Street Address	1023 S CHESTNUT ST
City	CORTEZ
State	CO
Zip	81321-4141
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	SUBDIVISION: CHESTNUT MEADOWS MINOR SUB AMD LOT: A1 0.98AC B358 P308 R/472753 R/472754
Legal Subdivision	CHESTNUT MEADOWS MINOR SUB AMD
Jurisdiction	MONTEZUMA CO
Township / Civil Division	CORTEZ
Census Block Group	4
Census Block	4002
Census Tract	969400

Owner

Source: Montezuma County records, as of August 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1023 S CHESTNUT ST, CORTEZ, CO 81321-4141
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2024	Special Warranty Deed, Transfer · Stand-Alone Second Mortgage COLORADO HOUSING & FINANCE AUTHORIT
Jul 3, 2017	Deed of Trust, Mortgage · Line of Credit ALPINE BANK
Nov 22, 2022	Special Warranty Deed, Transfer · Conventional Mortgage GATEWAY FIRST BANK
Nov 22, 2022	Quit Claim Deed, Transfer COLORADO TITLE AND CLOSING SERVICES, COLORADO TTL & CLOSING SVCS
Jul 24, 2019	Special Warranty Deed, Transfer · Conventional Mortgage KEY BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2024 · Amount on Record
Deed Sale	Apr 29, 2024 · Amount on Record
Prior Sale	Nov 22, 2022 · Amount on Record
Deed Document Number	2024655795
Prior Transfer Date	Nov 10, 2022
Prior Transfer Doc	0000648557
Record Updated	Sep 20, 2026

April 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTEZUMA CO
Recording Date	Apr 29, 2024
Property Address	1023 S CHESTNUT ST, CORTEZ, CO 81321-4141
Document Number	0000655795
Map Reference	MB 20 PG 30
Instrument Date	Apr 24, 2024
Instrument	655795
Transaction Type	Transfer
Record Updated	May 10, 2024
Title Company	COLORADO TITLE & CLOSING SVC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$37.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1023 S CHESTNUT ST, CORTEZ, CO 81321-4141

Mortgage

Document Number	0000655798
Date	Apr 29, 2024
Instrument	655798

Lender

Name	COLORADO HOUSING & FINANCE AUTHORIT
Type	Government Agency

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Mortgage

Document Number	0000655797
Date	Apr 29, 2024
Instrument	655797

Lender

Name	MANN MORTGAGE LLC
Type	Mortgage Company
Address	KALISPELL, MT 59901

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEZUMA CO
Property Address	1023 S CHESTNUT ST, CORTEZ, CO 81321-4141
Transaction Type	Mortgage
Record Updated	Apr 18, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000612000
Date	Jul 3, 2017
Instrument	612000

Lender

Name	ALPINE BANK
Type	Bank
Address	RIFLE, CO 81650

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	Jun 26, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTEZUMA CO
Recording Date	Nov 22, 2022
Property Address	1023 S CHESTNUT ST, CORTEZ, CO 81321-4141
Document Number	0000648558
Map Reference	MB 20 PG 30
Instrument Date	Nov 21, 2022
Instrument	648558
Transaction Type	Transfer
Record Updated	Apr 18, 2024
Title Company	COLORADO TITLE AND CLOSING SERVICES, COLORADO TTL & CLOSING SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$32.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1023 S CHESTNUT ST, CORTEZ, CO 81321-4141

Mortgage

Document Number	0000648559
Date	Nov 22, 2022
Instrument	648559

Lender

Name	GATEWAY FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MONTEZUMA CO
Recording Date	Nov 22, 2022
Property Address	1023 S CHESTNUT ST, CORTEZ, CO 81321-4141
Document Number	0000648557
Map Reference	MB 20 PG 30
Instrument Date	Nov 10, 2022
Instrument	648557
Transaction Type	Transfer
Record Updated	Apr 18, 2024
Title Company	COLORADO TITLE AND CLOSING SERVICES, COLORADO TTL & CLOSING SVCS

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1023 S CHESTNUT ST, CORTEZ, CO 81321-4141

July 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTEZUMA CO
Recording Date	Jul 24, 2019
Property Address	1023 S CHESTNUT ST, CORTEZ, CO 81321-4141
Document Number	0000624245
Map Reference	MB 17 PG 29
Instrument Date	Jul 24, 2019
Instrument	624245
Transaction Type	Transfer
Record Updated	Apr 18, 2024
Title Company	COLORADO TITLE AND CLOSING SERVICES, COLORADO TTL & CLOSING SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$21.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	PO BOX 1223, CORTEZ, CO 81321-1223

Mortgage

Document Number	0000624246
Date	Jul 24, 2019
Instrument	624246

Lender

Name	KEY BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,358.00 (+54.32%)	$26,929 (+57.15%) Land $1,990 Building $24,939	$338,304 (+57.15%) Land $25,000 Building $313,304
2024	$880.00 (+9.86%)	$17,136 (-20.35%) Land $1,217 Building $15,919	$215,279 (-20.35%) Land $15,293 Building $199,986
2023	$801.00 (-0.12%)	$21,514 (-64.38%) Land $1,528 Building $19,986	$270,279 (+29.78%) Land $19,200 Building $251,079
2022	$802.00	$60,397 Land $5,655 Building $54,742	$208,266 Land $19,500 Building $188,766

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

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

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

Wildfire Risk	Low lower than 65% of the US · lower than 82% of Colorado
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 162 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
Visionary Broadband Fixed Wireless	100 / 20
Nimbus Solutions Fixed Wireless	100 / 20

May also be available: CYAN Wireless, Farmers Telecommunications.

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