12665 Rd 23, Cortez, CO 81321 Property Records

Montezuma County property record for 12665 Rd 23, Cortez, CO 81321

Property Summary

Property Type	Single Family Home
Lot Size	3.01 acres (131,116 sqft)
Owner	2 Individual Names on Record
Last Sale	$460,000 (Jul 2026)
Tax Bill	$1,423 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R018634`

Property Details

APN / Parcel Number

Primary APN	`R018634`
Alternative APN	`561108102001`

Exterior

Lot Area	131,116 sqft (3.01 acres)

Location & Zoning

Account Number	R018634
Street Address	12665 ROAD 23
City	CORTEZ
State	CO
Zip	81321-9414
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A/R 3-9
Legal Description	SUBDIVISION: E.W. COMISKY 2 LOT MOD SUB LOT: A 3.01AC (NO MIN INT(MC1461) B450 P680 B507 P419 B708 P184
Legal Subdivision	EW COMISKY 2
Legal Lot Number	A
Jurisdiction	MONTEZUMA CO
Township / Civil Division	CORTEZ
Census Block Group	1
Census Block	1008
Census Tract	969600

Owner

Source: Montezuma County records, as of July 27, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	12665 ROAD 23, CORTEZ, CO 81321-9414
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Special Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO
Jun 26, 2017	Deed of Trust, Mortgage · Commercial Mortgage THE DOLORES STATE BANK
Mar 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMCAP MORTGAGE LTD
Jan 15, 2021	Special Warranty Deed, Transfer COLORADO TITLE AND CLOSING SERVICES, COLORADO TTL & CLOSING SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2026 · Amount on Record
Deed Sale	Jul 20, 2026 · Amount on Record
Deed Document Number	2026668057
Record Updated	Sep 20, 2026

July 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTEZUMA CO
Recording Date	Jul 20, 2026
Property Address	12665 ROAD 23, CORTEZ, CO 81321-9414
Document Number	0000668057
Instrument Date	Jul 13, 2026
Instrument	2026668057
Transaction Type	Transfer
Record Updated	Jul 27, 2026
Title Company	COLORADO TITLE AND CLOSING SERVICES, COLORADO TITLE & CLOSING SERVI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,646.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12665 ROAD 23, CORTEZ, CO 81321-9414

Mortgage

Document Number	0000668058,
Date	Jul 20, 2026
Instrument	2026668058

Lender

Name	WELLS FARGO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEZUMA CO
Property Address	12665 ROAD 23, CORTEZ, CO 81321-9414
Transaction Type	Mortgage
Record Updated	Apr 18, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000611887
Date	Jun 26, 2017
Instrument	611887

Lender

Name	THE DOLORES STATE BANK
Type	Bank
Address	MANCOS, CO 81328

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	96 Months
Due	Jun 15, 2025

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEZUMA CO
Property Address	12665 ROAD 23, CORTEZ, CO 81321-9414
Transaction Type	Mortgage
Record Updated	Apr 18, 2024
Title Company	COLORADO TITLE AND CLOSING SERVICES, COLORADO TTL & CLOSING SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000628570
Date	Mar 25, 2020
Instrument	628570

Lender

Name	AMCAP MORTGAGE LTD
Type	Mortgage Company
Address	HOUSTON, TX 77036

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

January 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTEZUMA CO
Recording Date	Jan 15, 2021
Property Address	12665 ROAD 23, CORTEZ, CO 81321-9414
Document Number	0000634367
Map Reference	MB 20 PG 142
Instrument Date	Jan 14, 2021
Instrument	634367
Transaction Type	Transfer
Record Updated	Apr 18, 2024
Title Company	COLORADO TITLE AND CLOSING SERVICES, COLORADO TTL & CLOSING SVCS

Transaction

Amount	Amount Recorded
Tax	$28.50
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	25771 DEL SOL RD, APPLE VALLEY, CA 92308-0405

Tax Assessment & Valuation

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	$1,423.00 (+110.5%)	$36,805 (+153.22%) Land $6,368 Building $30,437	$462,369 (+153.21%) Land $80,000 Building $382,369
2024	$676.00 (+11%)	$14,535 (-23.15%) Land $72 Building $14,463	$182,606 (-23.15%) Land $906 Building $181,700
2023	$609.00 (-12.75%)	$18,913 (-67.62%) Land $72 Building $18,841	$237,606 (+17.98%) Land $906 Building $236,700
2022	$698.00	$58,404 Land $437 Building $57,967	$201,395 Land $1,508 Building $199,887

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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

Wildfire Risk	Moderate above 47% of the US · lower than 69% of Colorado
Wildfire Likelihood	0.08% annual chance
Exposure	None beyond ember reach

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 22 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
T-Mobile Fixed Wireless	100 / 20
CenturyLink DSL	100 / 10
Visionary Broadband Fixed Wireless	25 / 5

May also be available: AT&T, CYAN Wireless, Farmers Telecommunications.

Cell Coverage

5G (outdoors only) and 4G LTE

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