315 Cortez St, Sterling, CO 80751 Property Records

Logan County property record for 315 Cortez St, Sterling, CO 80751

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,028 sqft · built 1957
Lot Size	0.148 acres (6,447 sqft)
Owner	Individual Name on File
Last Sale	$126,900 (Nov 2018)
Tax Bill	$925 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`38052521314014`

Property Details

APN / Parcel Number

Primary APN	`38052521314014`
Alternative APN	`6539000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,028 sqft Heated Area
1st Floor Area	1,028 sqft

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1971
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Foundation Type	Raised
Roof Material	Composition Shingle
Lot Area	6,447 sqft (0.148 acres)
Lot Dimensions	100 ft deep x 64.5 ft wide
Garage Type	Attached
Garage Area	273 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	105 sqft
Patio Area	250 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	6539000
Street Address	315 CORTEZ ST
City	STERLING
State	CO
Zip	80751-2316
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 21 BLK 16 CHARMONY ADDN 6TH FILING STERLING
Legal Range	52W
Legal Township	08N
Legal Section	21
Legal Subdivision	CHARMONY ADD
Legal Block	16
Legal Lot Number	21
Jurisdiction	LOGAN CO
Township / Civil Division	STERLING
Census Block Group	1
Census Block	1020
Census Tract	966102

Owner

315 Cortez St is owned and occupied by an individual who bought it in November 2018.

Source: Logan County records, as of May 14, 2026

Owner of Record	Individual Name on File
Mailing Address	315 CORTEZ ST, STERLING, CO 80751-2316
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
Nov 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Nov 16, 2018	Warranty Deed, Transfer · Conventional Mortgage INDEPENDENT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2018 · Amount on File
Deed Sale	Nov 16, 2018 · Amount on File
Prior Sale	May 26, 2011 · Amount on File
Deed Document Number	2018742253
Deed Book / Page	1030 / 430
Prior Transfer Date	Apr 22, 2015
Prior Transfer Doc	0000724088
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LOGAN CO
Property Address	315 CORTEZ ST, STERLING, CO 80751-2316
Transaction Type	Mortgage
Record Updated	May 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 CORTEZ ST, STERLING, CO 80751-2316

Mortgage

Document Number	0000758279
Date	Nov 5, 2021
Book Page	1046/468
Instrument	758279

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LOGAN CO
Recording Date	Nov 16, 2018
Property Address	315 CORTEZ ST, STERLING, CO 80751-2316
Document Number	0000742253
Book / Page	1030 / 0430
Instrument Date	Nov 16, 2018
Instrument	742253
Transaction Type	Transfer
Record Updated	Mar 22, 2022
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12.69
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 CORTEZ ST, STERLING, CO 80751-2316

Mortgage

Document Number	0000742254
Date	Nov 16, 2018
Book Page	1030/0431
Instrument	742254

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	MCKINNEY, TX 75069

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 315 Cortez St was $925.

Source: Logan County assessment roll, as of May 14, 2026

Property Jurisdictions

Type	Name
State	Colorado
County	Logan County
Municipality	Sterling City
Unified School District	Valley School District RE-1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$925.00	$11,043	$176,695 Land $25,800 Building $150,895
2023	$491.00 (-33.11%)	$128,280 (+1,338.12%) Land $22,250 Building $106,030	$128,280 (-) Land $22,250 Building $106,030
2022	$734.00	$8,920 Land $1,550 Building $7,370	$128,280 Land $22,250 Building $106,030

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 315 Cortez St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective May 29, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 30 policies
Nearby Flood Policies	30 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 315 Cortez St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 91% of Colorado
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 STERLING serves 15,100 people · EPA ID CO0138045
Water Source	Groundwater influenced by surface water
Last State Inspection	Nov 2023
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 320 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
ElektraFi Fixed Wireless	400 / 80
Verizon Fixed Wireless	300 / 20

May also be available: Kentec Communications, Vistabeam.

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