2309 la Plata St, Cortez, CO 81321 Property Records

Montezuma County property record for 2309 la Plata St, Cortez, CO 81321

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,764 sqft · built 1978
Lot Size	0.343 acres (14,941 sqft)
Owner	Individual Name on Record
Last Sale	$385,000 (Sep 2021)
Tax Bill	$1,452 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R008390`

Property Details

APN / Parcel Number

Primary APN	`R008390`
Alternative APN	`561124407005`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,764 sqft Total Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1979
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Metal
Lot Area	14,941 sqft (0.343 acres)
Garage Area	396 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric
Sewer	Municipal

Location & Zoning

Account Number	R008390
Street Address	2309 LA PLATA ST
City	CORTEZ
State	CO
Zip	81321-2650
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SUBDIVISION: J A BARRETT SUB AMD LOT: 23E B589 P656 B677 P541
Legal Subdivision	J A BARRETT SUB AMD
Legal Lot Number	23E
Jurisdiction	MONTEZUMA CO
Township / Civil Division	CORTEZ
Census Block Group	3
Census Block	3017
Census Tract	969302

Owner

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	Individual Name on Record
Mailing Address	2309 LA PLATA ST, CORTEZ, CO 81321-2650
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2021 · Amount on Record
Deed Sale	Sep 30, 2021 · Amount on Record
Prior Sale	Mar 28, 2003
Deed Document Number	2021640345
Prior Transfer Date	Feb 23, 2016
Prior Transfer Doc	0000605087
Record Updated	Jun 8, 2026

September 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTEZUMA CO
Recording Date	Sep 30, 2021
Property Address	2309 LA PLATA ST, CORTEZ, CO 81321-2650
Document Number	640345
Map Reference	MB 8 PG 10
Instrument Date	Sep 30, 2021
Instrument	640345
Transaction Type	Transfer
Record Updated	Oct 6, 2021
Title Company	COLORADO TTL & CLOSING SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38.50
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	2309 LA PLATA ST, CORTEZ, CO 81321-2650

Mortgage

Document Number	640346
Date	Sep 30, 2021
Instrument	640346

Lender

Name	AMCAP MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Mortgage

Document Number	0000640347
Date	Sep 30, 2021
Instrument	640347

Lender

Name	COLORADO HOUSING & FINANCE AUTHORITY
Type	Government Agency
Address	DENVER, CO 80202

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

Tax Assessment & Valuation

Source: Montezuma County assessment roll, as of March 24, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Montezuma County
Municipality	Cortez City
Unified School District	Montezuma-Cortez School District RE-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,452.00 (+44.91%)	$28,781 (+47.59%) Land $1,977 Building $26,804	$361,572 (+47.59%) Land $24,834 Building $336,738
2024	$1,002.00 (+9.99%)	$19,500 (-18.34%) Land $1,614 Building $17,886	$244,982 (-18.33%) Land $20,281 Building $224,701
2023	$911.00 (+13.73%)	$23,879 (+44.12%) Land $1,977 Building $21,902	$299,982 (+44.12%) Land $24,834 Building $275,148
2022	$801.00	$16,569 Land $1,977 Building $14,592	$208,149 Land $24,834 Building $183,315

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

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	Low lower than 80% of the US · lower than 91% of Colorado
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 72 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: Visionary Broadband.

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