2502 E Empire St, Cortez, CO 81321 Property Records

Montezuma County property record for 2502 E Empire St, Cortez, CO 81321

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,023 sqft · built 1951
Lot Size	0.54 acres (23,522 sqft)
Owner	Individual Name on File
Last Sale	$129,900 (Aug 2020)
Tax Bill	$975 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R006421`

Property Details

APN / Parcel Number

Primary APN	`R006421`
Alternative APN	`560919300015`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,023 sqft Total Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1953
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	23,522 sqft (0.54 acres)

Utilities, Heating & Cooling

Cooling System	None
Sewer	Connected

Location & Zoning

Account Number	R006421
Street Address	2502 E EMPIRE ST
City	CORTEZ
State	CO
Zip	81321-2053
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A/R 3-9
Legal Description	SECTION: 19 TOWNSHIP: 36 RANGE: 15 TR 77FTX308FT IN SW1/4SW1/4 0.54AC B686 P87 R/480214
Legal Range	15W
Legal Township	36N
Legal Section	19
Legal Tract	77
Jurisdiction	MONTEZUMA CO
Township / Civil Division	CORTEZ
Census Block Group	1
Census Block	1020
Census Tract	969302

Owner

2502 E Empire St is owned and occupied by an individual who bought it in August 2020.

Source: Montezuma County records, as of March 24, 2026

Owner of Record	Individual Name on File
Mailing Address	2502 E EMPIRE ST, CORTEZ, CO 81321-2053
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
Aug 14, 2020	Special Warranty Deed, Transfer · Conventional Mortgage AMCAP MORTGAGE LTD
May 5, 2017	Warranty Deed, Transfer · Commercial Mortgage THE DOLORES STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2020 · Amount on File
Deed Sale	Aug 14, 2020 · Amount on File
Prior Sale	May 5, 2017 · Amount on File
Deed Document Number	2020631228
Record Updated	Jun 8, 2026

August 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTEZUMA CO
Recording Date	Aug 14, 2020
Property Address	2502 E EMPIRE ST, CORTEZ, CO 81321-2053
Document Number	0000631228
Instrument Date	Aug 14, 2020
Instrument	631228
Transaction Type	Transfer
Record Updated	Apr 1, 2022
Title Company	COLORADO TTL & CLOSING SVCS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12.99
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2502 E EMPIRE ST, CORTEZ, CO 81321-2053
Investor	Possibly a Property Investor

Mortgage

Document Number	0000631229
Date	Aug 14, 2020
Instrument	631229

Lender

Name	AMCAP MORTGAGE LTD
Type	Mortgage Company

Agreement

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

Mortgage

Document Number	0000631230
Date	Aug 14, 2020
Instrument	631230

Lender

Name	HOMEFUND
Type	Non-Lending Institution
Address	DURANGO, CO 81302

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTEZUMA CO
Recording Date	May 5, 2017
Property Address	2502 E EMPIRE ST, CORTEZ, CO 81321-2053
Document Number	0000611057
Instrument Date	May 5, 2017
Instrument	611057
Transaction Type	Transfer
Record Updated	Apr 1, 2022
Title Company	COLORADO TITLE AND CLOSING SERVICES, COLORADO TITLE & CLOSING SER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9.00
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	26056 ROAD H, CORTEZ, CO 81321-9139

Mortgage

Document Number	0000611058
Date	May 5, 2017
Instrument	611058

Lender

Name	THE DOLORES STATE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 5, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2502 E Empire St was $975, up 100.2% 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	$975.00 (+100.21%)	$19,227 (+103.61%) Land $7,164 Building $12,063	$241,551 (+103.62%) Land $90,000 Building $151,551
2024	$487.00 (+9.93%)	$9,443 (-31.68%) Land $2,100 Building $7,343	$118,629 (-31.68%) Land $26,380 Building $92,249
2023	$443.00 (-5.14%)	$13,821 (+43.36%) Land $3,073 Building $10,748	$173,629 (+43.35%) Land $38,610 Building $135,019
2022	$467.00	$9,641 Land $3,073 Building $6,568	$121,123 Land $38,610 Building $82,513

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 2502 E Empire St 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

Wildfire risk around 2502 E Empire St is moderate, ranking above 45% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 45% of the US · lower than 71% of Colorado
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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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