Montezuma County property record for 23488 Rd M, Cortez, CO 81321
| Property Type | Rural Home |
|---|---|
| Details | 1,484 sqft · built 1991 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $250,000 (Aug 2018) |
| Tax Bill | $598 (2025) |
| Deeds & Mortgages | Jul 2026 Construction Loan Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R007412 |
| Primary APN | R007412 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,484 sqft Total Area |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Architectural Style | Mobile Home |
| Lot Area | 217,800 sqft (5 acres) |
| Garage Type | Detached |
| Garage Area | 1,120 sqft |
| Account Number | R007412 |
|---|---|
| Street Address | 23488 ROAD M |
| City | CORTEZ |
| State | CO |
| Zip | 81321-9346 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | A/R 3-9 |
| Legal Description | SECTION: 16 TOWNSHIP: 36 RANGE: 16 TR NE1/4NW1/4 5AC B641 P574 |
| Legal Range | 16W |
| Legal Township | 36N |
| Legal Section | 16 |
| Jurisdiction | MONTEZUMA CO |
| Township / Civil Division | CORTEZ |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 969301 |
Source: Montezuma County records, as of May 13, 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 | 23488 ROAD M, CORTEZ, CO 81321-9346 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 20, 2026 | Deed of Trust, Mortgage · Construction Mortgage NATIONAL BANK |
| Aug 17, 2018 | Warranty Deed, Transfer · Commercial Mortgage FIRST NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 17, 2018 · Amount on Record |
| Deed Sale | Aug 17, 2018 · Amount on Record |
| Prior Sale | Sep 19, 1996 · Amount on Record |
| Deed Document Number | 2018618771 |
| Last Transfer Date | Jun 25, 2025 |
| Transfer Doc | 0000662149 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Recording Date | Jul 20, 2026 |
| Property Address | 23488 ROAD M, CORTEZ, CO 81321-9346 |
| Document Number | 0000668042 |
| Instrument Date | Jul 13, 2026 |
| Instrument | 2026668042 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Address | 23488 ROAD M, CORTEZ, CO 81321-9346 |
| Document Number | 0000668042, |
|---|---|
| Date | Jul 20, 2026 |
| Instrument | 2026668042 |
| Name | NATIONAL BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 17, 2056 |
| Rate | 6.52% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Recording Date | Aug 17, 2018 |
| Property Address | 23488 ROAD M, CORTEZ, CO 81321-9346 |
| Document Number | 0000618771 |
| Instrument Date | Aug 17, 2018 |
| Instrument | 618771 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $25.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 23488 ROAD M, CORTEZ, CO 81321-9346 |
| Document Number | 0000618772 |
|---|---|
| Date | Aug 17, 2018 |
| Instrument | 618772 |
| Name | FIRST NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Montezuma County assessment roll, as of March 24, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Montezuma County |
| Unified School District | Montezuma-Cortez School District RE-1 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $598.00 (-12.06%) | $33,002 (-14.07%) Land $738 Building $32,264 | $113,799 (-14.08%) Land $2,545 Building $111,254 |
| 2024 | $680.00 (+64.25%) | $38,407 (-) Land $745 Building $37,662 | $132,440 (-) Land $2,570 Building $129,870 |
| 2023 | $414.00 (-32.24%) | $38,407 (+5.67%) Land $745 Building $37,662 | $132,440 (+5.67%) Land $2,570 Building $129,870 |
| 2022 | $611.00 | $36,347 Land $869 Building $35,478 | $125,332 Land $2,995 Building $122,337 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective September 26, 2008 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 12 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 | 40 / 3 |
| Visionary Broadband Fixed Wireless | 25 / 5 |
May also be available: Farmers Telecommunications.
5G (outdoors only) and 4G LTE
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