Montezuma County property record for 1640 E Main St, Cortez, CO 81321
| Property Type | Office Building |
|---|---|
| Details | 2,698 sqft · built 1954 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Company Name on Record |
| Last Sale | $246,000 (Apr 2001) |
| Tax Bill | $5,299 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Apr 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R008814 |
| Primary APN | R008814 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,698 sqft Total Area |
| Basement Area | 1,045 sqft |
| Unfinished Basement | 1,045 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1954 |
| Roof Type | Gable |
| Lot Area | 12,197 sqft (0.28 acres) |
| Total Buildings | 2 Buildings |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Account Number | R008814 |
|---|---|
| Street Address | 1640 E MAIN ST |
| City | CORTEZ |
| State | CO |
| Zip | 81321-3034 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Office Building |
| Local Zoning Code | C |
| Legal Description | SUBDIVISION: HENRY SUB, UNNUMB TRS, BL 4 AMD BLOCK: 4 TR 100FTX123.7FT & PT OF TR 6; B691 P497 B710 P918 |
| Legal Range | 16W |
| Legal Township | 37N |
| Legal Section | 20 |
| Legal Subdivision | HENRY SUB |
| Legal Tract | 6 |
| Legal Block | 4 |
| Jurisdiction | MONTEZUMA CO |
| Township / Civil Division | CORTEZ |
| Census Block Group | 3 |
| Census Block | 3044 |
| Census Tract | 969302 |
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 | 1640 E MAIN ST, CORTEZ, CO 81321-3034 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Oct 27, 2020 | Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK CORTEZ |
| Apr 19, 2023 | Deed of Trust, Mortgage · Commercial Mortgage FIRST NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 2, 2001 · Amount on Record |
| Deed Sale | Apr 2, 2001 · Amount on Record |
| Prior Sale | Jan 5, 2001 |
| Deed Document Number | 2001494554 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Property Address | 1640 E MAIN ST, CORTEZ, CO 81321-3034 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000632811 |
|---|---|
| Date | Oct 27, 2020 |
| Instrument | 632811 |
| Name | FIRST NATIONAL BANK CORTEZ |
|---|---|
| Type | Bank |
| Address | CORTEZ, CO 81321 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Property Address | 1640 E MAIN ST, CORTEZ, CO 81321-3034 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000650390 |
|---|---|
| Date | Apr 19, 2023 |
| Instrument | 650390 |
| Name | FIRST NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | CORTEZ, CO 81321 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Apr 18, 2024 |
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 | $5,299.00 (+15.5%) | $94,266 (+20.69%) Land $40,677 Building $53,589 | $325,056 (+20.69%) Land $140,266 Building $184,790 |
| 2024 | $4,588.00 (+9.89%) | $78,103 (-10.02%) Land $34,169 Building $43,934 | $269,321 (-10.02%) Land $117,823 Building $151,498 |
| 2023 | $4,175.00 (+11.04%) | $86,803 (+27.85%) Land $34,169 Building $52,634 | $299,321 (+27.85%) Land $117,823 Building $181,498 |
| 2022 | $3,760.00 | $67,897 Land $21,152 Building $46,745 | $234,128 Land $72,938 Building $161,190 |
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.
Source: FEMA National Flood Hazard Layer, effective September 26, 2008
| 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 |
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 212 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 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Farmers Telecommunications, FastTrack Communications, Visionary Broadband.
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