31 E 12th St, Cortez, CO 81321 Property Records

Montezuma County property record for 31 E 12th St, Cortez, CO 81321

Property Summary

Property Type	Single Family Home
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$254,000 (Aug 2025)
Tax Bill	$647 (2025)
Deeds & Mortgages	Aug 2025 Second Mortgage Aug 2025 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R015605`

Property Details

APN / Parcel Number

Primary APN	`R015605`
Alternative APN	`561135220040`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Building Area	832 sqft Living Area

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Lot Area	7,841 sqft (0.18 acres)

Location & Zoning

Account Number	R015605
Street Address	31 E 12TH ST
City	CORTEZ
State	CO
Zip	81321-3525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3
Legal Description	SUBDIVISION: SEDONA ESTATES PHASE 3 LOT: 39 (100% MIN INT(MC1628) B508 P672
Legal Range	16W
Legal Township	36N
Legal Section	10
Legal Subdivision	SEDONA ESTATES PHASE 3
Legal Phase	3
Legal Lot Number	39
Jurisdiction	MONTEZUMA CO
Township / Civil Division	CORTEZ
Census Block Group	4
Census Block	4005
Census Tract	969400

Owner

Source: Montezuma County records, as of October 20, 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	31 E 12TH ST, CORTEZ, CO 81321-3525
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HABITAT FOR HUMANITY OF MONTEZUMA COUNTY
Aug 20, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage HABITAT FOR HUMANITY OF MONTEZUMA COUNTY
Aug 20, 2025	Special Warranty Deed, Transfer · Stand-Alone Second Mortgage HABITAT FOR HUMANITY OF MONTEZUMA C
Oct 28, 2016	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2025 · Amount on Record
Deed Sale	Aug 20, 2025 · Amount on Record
Prior Sale	Oct 28, 2016 · Amount on Record
Deed Document Number	2025662843
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEZUMA CO
Property Address	31 E 12TH ST, CORTEZ, CO 81321-3525
Transaction Type	Mortgage
Record Updated	Mar 24, 2026
Title Company	CENTERRE TITLE SERVICES LIMITED, CTS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000662845
Date	Aug 20, 2025
Instrument	662845

Lender

Name	HABITAT FOR HUMANITY OF MONTEZUMA COUNTY
Type	Government Agency
Address	CORTEZ, CO 81321

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	362 Months
Due	Oct 1, 2055

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEZUMA CO
Property Address	31 E 12TH ST, CORTEZ, CO 81321-3525
Transaction Type	Mortgage
Record Updated	Mar 24, 2026
Title Company	CENTERRE TITLE SERVICES LIMITED, CTS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 S ELM ST, CORTEZ, CO 81321-3635

Mortgage

Document Number	0000662846
Date	Aug 20, 2025
Instrument	662846

Lender

Name	HABITAT FOR HUMANITY OF MONTEZUMA COUNTY
Type	Government Agency
Address	CORTEZ, CO 81321

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

August 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTEZUMA CO
Recording Date	Aug 20, 2025
Property Address	31 E 12TH ST, CORTEZ, CO 81321-3525
Document Number	0000662843
Map Reference	MB 16 PG 91
Instrument Date	Aug 20, 2025
Instrument	662843
Transaction Type	Transfer
Record Updated	Mar 24, 2026
Title Company	COLORADO TTL & CLOSING SVCS

Transaction

Amount	Amount Recorded
Tax	$25.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 E 12TH ST, CORTEZ, CO 81321-3525

Mortgage

Document Number	0000662848
Date	Aug 20, 2025
Instrument	662848

Lender

Name	HABITAT FOR HUMANITY OF MONTEZUMA C
Type	Government Agency

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Mortgage

Document Number	0000662844
Date	Aug 20, 2025
Instrument	662844

Lender

Name	USDA
Type	Government Agency
Address	SAINT LOUIS, MO 63166

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	396 Months
Due	Aug 20, 2058

October 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTEZUMA CO
Recording Date	Oct 28, 2016
Property Address	31 E 12TH ST, CORTEZ, CO 81321-3525
Document Number	0000608116
Map Reference	MB16 PG91
Instrument Date	Oct 28, 2016
Instrument	608116
Transaction Type	Transfer
Record Updated	Mar 24, 2026

Transaction

Amount	Amount Recorded
Tax	$3.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1261, CORTEZ, CO 81321-1261
Investor	Possibly a Property Investor

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	$647.00 (+72.07%)	$12,836 (+629.73%) Land $1,759 Building $11,077	$161,256 (+629.67%) Land $22,100 Building $139,156
2024	$376.00 (+9.94%)	$1,759 (-72.55%) Land $1,759	$22,100 (-) Land $22,100
2023	$342.00 (-3.66%)	$6,409 (-) Land $6,409	$22,100 (-) Land $22,100
2022	$355.00	$6,409 Land $6,409	$22,100 Land $22,100

Assessed value is set for property tax purposes, not a market price estimate; it is 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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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