16775 Rd 18, Cortez, CO 81321 Property Records

Montezuma County property record for 16775 Rd 18, Cortez, CO 81321

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,195 sqft · built 1996
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Last Sale	$311,000 (Sep 2020)
Tax Bill	$1,901 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R013745`

Property Details

APN / Parcel Number

Primary APN	`R013745`
Alternative APN	`535521100002`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,195 sqft Total Area
Basement Area	1,368 sqft
Unfinished Basement	1,368 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Garage Type	Attached
Garage Area	598 sqft

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	R013745
Street Address	16775 ROAD 18
City	CORTEZ
State	CO
Zip	81321-8735
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A/R 35+
Legal Description	SECTION: 21 TOWNSHIP: 37 RANGE: 17 TR IN NE1/4 5AC (MIN INT(MC2918) B601 P6A39 B672 P106 B693 P493 R/484853 R/484856 R\484853
Legal Range	17W
Legal Township	37N
Legal Section	21
Jurisdiction	MONTEZUMA CO
Township / Civil Division	CORTEZ
Census Block Group	2
Census Block	2019
Census Tract	969200

Owner

16775 Rd 18 is owned and occupied by an individual who bought it in September 2020.

Source: Montezuma County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	16775 ROAD 18, CORTEZ, CO 81321-8735
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Sep 8, 2020	Special Warranty Deed, Transfer · Conventional Mortgage AMCAP MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2020 · Amount on File
Deed Sale	Sep 8, 2020 · Amount on File
Prior Sale	Jun 9, 2008 · Amount on File
Deed Document Number	2020631702
Prior Transfer Date	May 17, 2004
Prior Transfer Doc	0000522596
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEZUMA CO
Property Address	16775 ROAD 18, CORTEZ, CO 81321-8735
Transaction Type	Mortgage
Record Updated	Mar 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000641516
Date	Nov 23, 2021
Instrument	641516

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

September 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTEZUMA CO
Recording Date	Sep 8, 2020
Property Address	16775 ROAD 18, CORTEZ, CO 81321-8735
Document Number	0000631702
Instrument Date	Sep 1, 2020
Instrument	631702
Transaction Type	Transfer
Record Updated	Apr 1, 2022
Title Company	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	$31.10
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	16775 ROAD 18, CORTEZ, CO 81321-8735

Mortgage

Document Number	0000631703
Date	Sep 8, 2020
Instrument	631703

Lender

Name	AMCAP MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 16775 Rd 18 was $1,901, up 42.7% from the year before.

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	$1,901.00 (+42.72%)	$43,057 (+40.3%) Land $1,990 Building $41,067	$540,914 (+40.3%) Land $25,000 Building $515,914
2024	$1,332.00 (+11.46%)	$30,690 (-12.48%) Land $1,742 Building $28,948	$385,549 (-12.48%) Land $21,879 Building $363,670
2023	$1,195.00 (+26.86%)	$35,068 (+48.92%) Land $1,990 Building $33,078	$440,549 (+48.92%) Land $25,000 Building $415,549
2022	$942.00	$23,549 Land $1,990 Building $21,559	$295,837 Land $25,000 Building $270,837

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 16775 Rd 18 in Zone X, an area of minimal flood risk.

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

Wildfire risk around 16775 Rd 18 is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · above 55% of Colorado
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CYAN Wireless Fixed Wireless	500 / 500
Choice Broadband Fixed Wireless	400 / 80
Nimbus Solutions Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	25 / 3
CenturyLink DSL	10 / 1

May also be available: Verizon.

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