26 E 13th St, Cortez, CO 81321 Property Records

Montezuma County property record for 26 E 13th St, Cortez, CO 81321

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,582 sqft · built 2008
Lot Size	0.182 acres (7,928 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Oct 2024)
Tax Bill	$959 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Nov 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R014320`

Property Details

APN / Parcel Number

Primary APN	`R014320`
Alternative APN	`561135220028`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,582 sqft Total Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,928 sqft (0.182 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	R014320
Street Address	26 E 13TH ST
City	CORTEZ
State	CO
Zip	81321-4231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	SUBDIVISION: SEDONA ESTATES PHASE 2 LOT: 28 (100% MIN INT(MC1628) B508 P672
Legal Range	16W
Legal Township	36N
Legal Section	35
Legal Subdivision	SEDONA ESTATES PHASE 2
Legal Phase	2
Legal Lot Number	28
Jurisdiction	MONTEZUMA CO
Township / Civil Division	CORTEZ
Census Block Group	4
Census Block	4005
Census Tract	969400

Owner

Source: Montezuma County records, as of August 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	26 E 13TH ST, CORTEZ, CO 81321-4231
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2023	Deed of Trust, Mortgage · FHA Mortgage SECURE ONE CAPITAL CORP
Nov 28, 2022	Deed of Trust, Mortgage · FHA Mortgage SECURE ONE CAPITAL CORP
Nov 22, 2019	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCING CORP
Sep 7, 2018	Warranty Deed, Transfer · Conventional Mortgage HOMETOWN LANDERS INC
Mar 28, 2018	Condominium Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2024 · Amount on Record
Deed Sale	Oct 1, 2024 · Amount on Record
Prior Sale	Sep 7, 2018 · Amount on Record
Deed Document Number	2024658132
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEZUMA CO
Property Address	26 E 13TH ST, CORTEZ, CO 81321-4231
Transaction Type	Mortgage
Record Updated	Nov 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26 E 13TH ST, CORTEZ, CO 81321-4231

Mortgage

Document Number	0000653588
Date	Nov 13, 2023
Instrument	653588

Lender

Name	SECURE ONE CAPITAL CORP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEZUMA CO
Property Address	26 E 13TH ST, CORTEZ, CO 81321-4231
Transaction Type	Mortgage
Record Updated	Dec 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000648592
Date	Nov 28, 2022
Instrument	648592

Lender

Name	SECURE ONE CAPITAL CORP
Type	Mortgage Company
Address	COSTA MESA, CA 92626

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Nov 1, 2062

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEZUMA CO
Property Address	26 E 13TH ST, CORTEZ, CO 81321-4231
Transaction Type	Mortgage
Record Updated	May 25, 2021
Title Company	FITCO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	626430
Date	Nov 22, 2019
Instrument	626430

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	BRIDGEPORT, NJ 8014

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTEZUMA CO
Recording Date	Sep 7, 2018
Property Address	26 E 13TH ST, CORTEZ, CO 81321-4231
Document Number	0000619088
Map Reference	MB15 PG69
Instrument Date	Sep 6, 2018
Instrument	619088
Transaction Type	Transfer
Record Updated	Apr 1, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$14.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	PO BOX 961, CORTEZ, CO 81321-0961

Mortgage

Document Number	0000619089
Date	Sep 7, 2018
Instrument	619089

Lender

Name	HOMETOWN LANDERS INC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

March 2018: Condominium Deed, Transfer

Document Type	Condominium Deed
Jurisdiction	MONTEZUMA CO
Recording Date	Mar 28, 2018
Property Address	26 E 13TH ST, CORTEZ, CO 81321-4231
Document Number	0000616379
Map Reference	MB15 PG69
Instrument Date	Mar 28, 2018
Instrument	616379
Transaction Type	Transfer
Record Updated	Apr 1, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 833, CORTEZ, CO 81321-0833

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	$959.00 (+68.25%)	$19,020 (+71.14%) Land $1,759 Building $17,261	$238,942 (+71.13%) Land $22,100 Building $216,842
2024	$570.00 (+9.83%)	$11,114 (-28.26%) Land $1,262 Building $9,852	$139,624 (-28.26%) Land $15,855 Building $123,769
2023	$519.00 (-17.36%)	$15,492 (+19.22%) Land $1,759 Building $13,733	$194,624 (+19.22%) Land $22,100 Building $172,524
2022	$628.00	$12,994 Land $1,759 Building $11,235	$163,245 Land $22,100 Building $141,145

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 · 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	1 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

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

Wildfire Risk	Moderate above 43% of the US · lower than 73% of Colorado
Wildfire Likelihood	0.05% 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 162 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
Visionary Broadband Fixed Wireless	100 / 20
Nimbus Solutions Fixed Wireless	100 / 20

May also be available: CYAN Wireless, Farmers Telecommunications.

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