COLORADO TITLE AND CLOSING SERVICES, COLORADO TTL & CLOSING SVCS
Transaction
Amount
Amount on Record
Downpayment
Downpayment on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$27.50
Amount Accuracy
Rounded by County
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
1058 E EMPIRE ST, CORTEZ, CO 81321-2453
Mortgage
Document Number
0000652902
Date
Oct 2, 2023
Instrument
652902
Lender
Name
ROCKET MORTGAGE LLC
Type
Mortgage Company
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
360 Months
Due
Oct 1, 2053
October 2021: Special Warranty Deed, Transfer
Document Type
Special Warranty Deed
Jurisdiction
MONTEZUMA CO
Recording Date
Oct 8, 2021
Property Address
1058 E EMPIRE ST, CORTEZ, CO 81321-2453
Document Number
640533
Map Reference
MB 12 PG 85
Instrument Date
Aug 8, 2021
Instrument
640533
Transaction Type
Transfer
Record Updated
Oct 15, 2021
Title Company
COLORADO TITLE AND CLOSING SERVICES, COLORADO TTL & CLOSING SVCS
Transaction
Amount
Amount on Record
Tax
$22.50
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
1058 E EMPIRE ST, CORTEZ, CO 81321-2453
April 2021: Deed of Trust, Mortgage
Document Type
Deed of Trust
Jurisdiction
MONTEZUMA CO
Property Address
1058 E EMPIRE ST, CORTEZ, CO 81321-2453
Transaction Type
Mortgage
Record Updated
Apr 27, 2021
Transferred To (Grantee/Buyer)
Name
Verified Name
Mortgage
Document Number
636447
Date
Apr 14, 2021
Instrument
636447
Lender
Name
QUICKEN LOANS LLC
Type
Mortgage Company
Address
DETROIT, MI 48226
Agreement
Type
VA Mortgage
Amount
Amount on Record
Term
361 Months
Due
May 1, 2051
February 2019: Special Warranty Deed, Transfer
Document Type
Special Warranty Deed
Jurisdiction
MONTEZUMA CO
Recording Date
Feb 22, 2019
Property Address
1058 E EMPIRE ST, CORTEZ, CO 81321-2453
Document Number
0000621629
Map Reference
MB 12 PG 85
Instrument Date
Feb 21, 2019
Instrument
621629
Transaction Type
Transfer
Record Updated
Apr 1, 2022
Title Company
COLORADO TITLE AND CLOSING SERVICES, COLORADO TITLE & CLOSING SVC
Transaction
Amount
Amount on Record
Downpayment
Downpayment on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$15.00
Amount Accuracy
Rounded by County
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Address
00000
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
1058 E EMPIRE ST, CORTEZ, CO 81321-2453
Investor
Possibly a Property Investor
Mortgage
Document Number
0000621630
Date
Feb 22, 2019
Instrument
621630
Lender
Name
QUICKEN LOANS INC
Type
Lending Institution
Agreement
Type
VA Mortgage
Amount
Amount on Record
Term
361 Months
Due
Mar 1, 2049
Tax Assessment & Valuation
The 2025 property tax bill for 1058 E Empire St was $1,154, up 56.6% from the year before.
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
$1,154.00 (+56.58%)
$22,889 (+59.51%)Land $1,436Building $21,453
$287,538 (+59.5%)Land $18,034Building $269,504
2024
$737.00 (+9.84%)
$14,350 (-23.37%)Land $1,853Building $12,497
$180,270 (-23.38%)Land $23,278Building $156,992
2023
$671.00 (+3.87%)
$18,727 (+39.94%)Land $2,418Building $16,309
$235,270 (+39.94%)Land $30,380Building $204,890
2022
$646.00
$13,382Land $1,104Building $12,278
$168,122Land $13,872Building $154,250
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 1058 E Empire St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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
Nearest Special Flood Hazard Area
Zone AE, within 500 ft
Flood Insurance Requirement
Not required lenders may require it
Nearby Flood Policies
3 in force
Nearby Flood Claims
1 (2026)
Claims Outside the SFHA
1 of 1
Most Recent Claim
Jul 2026 · rainfall accumulation
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
Wildfire risk around 1058 E Empire St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
Wildfire Risk
Low lower than 80% of the US · lower than 91% of Colorado
Wildfire Likelihood
0.02% annual chance
Exposure
Direct burnable vegetation
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 153 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 / 20
May also be available: CYAN Wireless, Farmers Telecommunications, T-Mobile, Vero Fiber, Visionary Broadband.