Montezuma County property record for 120 E Main St, Cortez, CO 81321
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $2,226 (2025) |
| Deeds & Mortgages | Jul 2026 Construction Loan Jan 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | R009521 |
| Primary APN | R009521 |
|---|---|
| Alternative APN |
|
| Lot Area | 10,019 sqft (0.23 acres) |
|---|
| Sewer | Municipal |
|---|
| Account Number | R009521 |
|---|---|
| Street Address | 120 E MAIN ST |
| City | CORTEZ |
| State | CO |
| Zip | 81321-3210 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Local Zoning Code | CBD |
| Legal Description | SUBDIVISION: TOWN OF CORTEZ LOT: 7-9 BLOCK: 31 B 313 P 327 B 495 P 270-2 B 663 P 700 |
| Legal Subdivision | TOWN OF CORTEZ |
| Legal Block | 31 |
| Legal Lot Number | 7-9 |
| Jurisdiction | MONTEZUMA CO |
| Township / Civil Division | CORTEZ |
| Census Block Group | 2 |
| Census Block | 2059 |
| Census Tract | 969301 |
Source: Montezuma County records, as of March 24, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 50 HENRY ST, CORTEZ, CO 81321-3012 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jul 23, 2026 | Deed of Trust, Mortgage · Construction Mortgage FOUR CORNERS COMMUNITY BANK |
| Jan 6, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Recording Date | Jul 23, 2026 |
| Property Address | 120 E MAIN ST, CORTEZ, CO 81321-3210 |
| Document Number | 0000668137 |
| Instrument Date | Jul 23, 2026 |
| Instrument | 2026668137 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership, 266 |
| Document Number | 0000668137, |
|---|---|
| Date | Jul 23, 2026 |
| Instrument | 2026668137 |
| Name | FOUR CORNERS COMMUNITY BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.49% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Property Address | 120 E MAIN ST, CORTEZ, CO 81321-3210 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000627133 |
|---|---|
| Date | Jan 6, 2020 |
| Instrument | 627133 |
| Name | FIRST NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | 98132 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $2,226.00 (+11.02%) | $39,601 (+16%) Land $39,601 | $136,556 (+16%) Land $136,556 |
| 2024 | $2,005.00 (+9.92%) | $34,139 (-) Land $34,139 | $117,721 (-) Land $117,721 |
| 2023 | $1,824.00 (+72.4%) | $34,139 (+78.57%) Land $34,139 | $117,721 (+78.57%) Land $117,721 |
| 2022 | $1,058.00 | $19,118 Land $19,118 | $65,924 Land $65,924 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 401 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, FastTrack Communications, T-Mobile.
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