20432 Rd U, Cortez, CO 81321 Property Records

Montezuma County property record for 20432 Rd U, Cortez, CO 81321

Property Summary

Property Type	Single Family Home
Details	1 bd · 2 ba · 2,356 sqft · built 1946
Lot Size	10.8 acres (472,190 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (May 2021)
Tax Bill	$2,144 (2025)
Deeds & Mortgages	Mar 2024 Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R001471`

Property Details

APN / Parcel Number

Primary APN	`R001471`
Alternative APN	`535513200997`

Interior

Bedrooms	1 Bed
Full Baths	2 Baths
Stories	1 Story
Building Area	2,356 sqft Total Area
Basement Area	414 sqft
Unfinished Basement	414 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Metal
Lot Area	472,190 sqft (10.8 acres)
Garage Type	Detached
Garage Area	864 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	R001471
Street Address	20432 ROAD U
City	CORTEZ
State	CO
Zip	81321-8712
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A/R 10-34
Legal Description	SECTION: 12 TOWNSHIP: 37 RANGE: 17 TR IN SE1/4SW1/4; 2.00AC (NO MIN INT(MC2190) SECTION: 13 TOWNSHIP: 37 RANGE: 17 TR IN
Legal Range	17W
Legal Township	37N
Legal Section	12
Jurisdiction	MONTEZUMA CO
Township / Civil Division	CORTEZ
Census Block Group	2
Census Block	2016
Census Tract	969200

Owner

20432 Rd U is owned and occupied by two individuals who bought it in May 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	20432 ROAD U, CORTEZ, CO 81321-8712
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
Mar 11, 2024	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
May 17, 2021	Warranty Deed, Transfer · FHA Mortgage AMCAP MORTGAGE LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2021 · Amount on File
Deed Sale	May 17, 2021 · Amount on File
Prior Sale	Oct 21, 2016 · Amount on File
Deed Document Number	2021637261
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEZUMA CO
Property Address	20432 ROAD U, CORTEZ, CO 81321-8712
Transaction Type	Mortgage
Record Updated	Mar 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20432 ROAD U, CORTEZ, CO 81321-8712

Mortgage

Document Number	0000655099
Date	Mar 11, 2024
Instrument	655099

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	327 Months
Due	Jun 1, 2051

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTEZUMA CO
Recording Date	May 17, 2021
Property Address	20432 ROAD U, CORTEZ, CO 81321-8712
Document Number	0000637261
Instrument Date	May 14, 2021
Instrument	637261
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	$33.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000637262
Date	May 17, 2021
Instrument	637262

Lender

Name	AMCAP MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 20432 Rd U was $2,144, up 35.8% 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	$2,144.00 (+35.78%)	$45,773 (+34.44%) Land $9,923 Building $35,850	$575,041 (+34.44%) Land $124,660 Building $450,381
2024	$1,579.00 (+10.81%)	$34,047 (-11.4%) Land $8,410 Building $25,637	$427,731 (-11.39%) Land $105,654 Building $322,077
2023	$1,425.00 (+28.49%)	$38,426 (+49.65%) Land $9,492 Building $28,934	$482,731 (+49.65%) Land $119,240 Building $363,491
2022	$1,109.00	$25,678 Land $6,066 Building $19,612	$322,582 Land $76,205 Building $246,377

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 20432 Rd U 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 20432 Rd U is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire Risk	Moderate above 46% of the US · lower than 71% 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 7 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

May also be available: CenturyLink, CYAN Wireless, Farmers Telecommunications.

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