Montezuma County property record for 318 E Main St, Cortez, CO 81321
| Property Type | Single Family Home |
|---|---|
| Details | 1,148 sqft · built 1933 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $175,000 (Aug 2020) |
| Tax Bill | $3,857 (2025) |
| Deeds & Mortgages | Mar 2019 Mortgage Sep 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R009129 |
| Primary APN | R009129 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 1,148 sqft Total Area |
| Year Built | Built 1933 |
|---|---|
| Effective Year Built | Effective 1933 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 6,534 sqft (0.15 acres) |
| Total Buildings | 2 Buildings |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Account Number | R009129 |
|---|---|
| Street Address | 318 E MAIN ST |
| City | CORTEZ |
| State | CO |
| Zip | 81321-3238 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CBD |
| Legal Description | SUBDIVISION: FR COFFINS ADD LOT: 7-8 BLOCK: 6 B583 P191 B590 P15 B649 P387 |
| Legal Subdivision | FR COFFINS ADD |
| Legal Block | 6 |
| Legal Lot Number | 7-8 |
| Jurisdiction | MONTEZUMA CO |
| Township / Civil Division | CORTEZ |
| Census Block Group | 2 |
| Census Block | 2057 |
| Census Tract | 969301 |
Source: Montezuma County records, as of May 13, 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 | 4115 N MADISON ST, CORTEZ, CO 81321 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 4, 2019 | Deed of Trust, Mortgage · Commercial Mortgage FIRST SOUTHWEST BANK |
| Sep 27, 2022 | Special Warranty Deed, Transfer · Commercial Mortgage DEBORA ANDERSEN ZERNIK |
| Aug 4, 2020 | Warranty Deed, Transfer COLORADO TITLE AND CLOSING SERVICES, COLORADO TTL & CLOSING SVCS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 4, 2020 · Amount on Record |
| Deed Sale | Aug 4, 2020 · Amount on Record |
| Prior Sale | Feb 15, 2013 · Amount on Record |
| Deed Document Number | 2020630977 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Property Address | 318 E MAIN ST, CORTEZ, CO 81321-3238 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2023 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000621757 |
|---|---|
| Date | Mar 4, 2019 |
| Instrument | 621757 |
| Name | FIRST SOUTHWEST BANK |
|---|---|
| Type | Bank |
| Address | CORTEZ, CO 81321 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Recording Date | Sep 27, 2022 |
| Property Address | 318 E MAIN ST, CORTEZ, CO 81321-3238 |
| Document Number | 0000647603 |
| Map Reference | MB 1 PG 9 |
| Instrument Date | Sep 26, 2022 |
| Instrument | 647603 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $25.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 41 1 5 N MADISON STREET, CORTEZ, CO 81321 |
| Document Number | 0000647604 |
|---|---|
| Date | Sep 27, 2022 |
| Instrument | 647604 |
| Name | DEBORA ANDERSEN ZERNIK |
|---|---|
| Type | Private Party |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 63 Months |
| Due | Dec 1, 2027 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Recording Date | Aug 4, 2020 |
| Property Address | 318 E MAIN ST, CORTEZ, CO 81321-3238 |
| Document Number | 0000630977 |
| Map Reference | MB 1 PG 9 |
| Instrument Date | Aug 3, 2020 |
| Instrument | 630977 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2023 |
| Title Company | COLORADO TITLE AND CLOSING SERVICES, COLORADO TTL & CLOSING SVCS |
| Amount | Amount Recorded |
|---|---|
| Tax | $17.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
Source: Montezuma County assessment roll, as of March 24, 2026
| Type | Name |
|---|---|
| State | Colorado |
| County | Montezuma County |
| Municipality | Cortez City |
| Unified School District | Montezuma-Cortez School District RE-1 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,857.00 (+21.63%) | $68,615 (+27.08%) Land $27,475 Building $41,140 | $236,606 (+27.08%) Land $94,743 Building $141,863 |
| 2024 | $3,171.00 (+9.88%) | $53,994 (-13.88%) Land $23,212 Building $30,782 | $186,187 (-13.88%) Land $80,042 Building $106,145 |
| 2023 | $2,886.00 (+17.27%) | $62,694 (+41.05%) Land $23,212 Building $39,482 | $216,187 (+41.05%) Land $80,042 Building $136,145 |
| 2022 | $2,461.00 | $44,447 Land $12,999 Building $31,448 | $153,265 Land $44,823 Building $108,442 |
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.
Source: FEMA National Flood Hazard Layer, effective September 26, 2008
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 401 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 / 100 |
| Visionary Broadband Fixed Wireless | 100 / 20 |
May also be available: Farmers Telecommunications, FastTrack Communications, T-Mobile.
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