Montezuma County property record for 23650 Rd K.3, Cortez, CO 81321
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2.5 ba · 5,790 sqft · built 2008 |
| Lot Size | 160 acres (6,969,600 sqft) |
| Owner | Individual Name on File |
| Last Sale | $850,000 (Jun 2026) |
| Tax Bill | $3,436 (2025) |
| Deeds & Mortgages | Jun 2026 Transfer Jun 2026 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R010494 |
| Primary APN | R010494 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Stories | 1 Story |
| Building Area | 5,790 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 6,969,600 sqft (160 acres) |
| Total Buildings | 6 Buildings |
| Heating System | Radiant |
|---|
| Account Number | R010494 |
|---|---|
| Street Address | 23650 ROAD K 3 |
| City | CORTEZ |
| State | CO |
| Zip | 81321 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | A-80+ |
| Legal Description | SECTION: 28 TOWNSHIP: 36 RANGE: 16 N1/2SE1/4; NE1/4SW1/4; SE1/4NW1/4; 160AC B 537 P 246 B 656 P 09 |
| Legal Range | 16W |
| Legal Township | 36N |
| Legal Section | 28 |
| Jurisdiction | MONTEZUMA CO |
| Township / Civil Division | CORTEZ |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 969301 |
23650 Rd K.3, a rural home, is owned by an individual who bought it in June 2026.
Source: Montezuma County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 656, CORTEZ, CO 81321-0656 |
| 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.
| Date | Document |
|---|---|
| Jun 15, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Jun 15, 2026 | Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT |
| Jun 15, 2026 | Special Warranty Deed, Transfer · Seller Carry-Back NONE LISTED ON DOCUMENT |
| Jan 4, 2021 | Deed of Trust, Mortgage · Line of Credit THE DOLORES STATE BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 15, 2026 · Amount on File |
| Deed Sale | Jun 15, 2026 · Amount on File |
| Prior Sale | Apr 23, 1992 · Amount on File |
| Deed Document Number | 2026667531 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Recording Date | Jun 15, 2026 |
| Property Address | 23650 ROAD K 3, CORTEZ, CO 81321 |
| Document Number | 0000667532 |
| Instrument Date | Jun 15, 2026 |
| Instrument | 2026667532 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Recording Date | Jun 15, 2026 |
| Property Address | 23650 ROAD K 3, CORTEZ, CO 81321 |
| Document Number | 0000667534 |
| Instrument Date | Jun 15, 2026 |
| Instrument | 2026667534 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Recording Date | Jun 15, 2026 |
| Property Address | 23650 ROAD K 3, CORTEZ, CO 81321 |
| Document Number | 0000667531 |
| Instrument Date | Jun 15, 2026 |
| Instrument | 2026667531 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,585.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 23650 ROAD K 3, CORTEZ, CO 81321 |
| Document Number | 0000667531, |
|---|---|
| Date | Jun 15, 2026 |
| Instrument | 2026667531 |
| Special Notes | Seller Financed |
|---|
| Type | Seller Carry-Back |
|---|---|
| Amount | Amount on Record |
| Term | 214 Months |
| Due | Apr 28, 2044 |
| Rate | 12% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Property Address | 23650 ROAD K.3, CORTEZ, CO 81321 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000634095 |
|---|---|
| Date | Jan 4, 2021 |
| Instrument | 634095 |
| Name | THE DOLORES STATE BANK |
|---|---|
| Type | Bank |
| Address | DOLORES, CO 81323 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 23650 Rd K.3 was $3,436, up 11.2% from the year before.
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 | $3,436.00 (+11.16%) | $250,914 (+11.88%) Land $4,581 Building $246,333 | $865,219 (+11.88%) Land $15,795 Building $849,424 |
| 2024 | $3,091.00 (+9.77%) | $224,279 (-6.64%) Land $4,649 Building $219,630 | $773,376 (-6.64%) Land $16,030 Building $757,346 |
| 2023 | $2,816.00 (+32.77%) | $240,229 (+45.06%) Land $4,649 Building $235,580 | $828,376 (+45.07%) Land $16,030 Building $812,346 |
| 2022 | $2,121.00 | $165,601 Land $5,620 Building $159,981 | $571,037 Land $19,380 Building $551,657 |
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.
FEMA maps place 23650 Rd K.3 in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 23650 Rd K.3 is moderate, ranking above 59% 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 59% of the US · above 44% of Colorado |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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