343 E Main St, Cortez, CO 81321 Property Records

Montezuma County property record for 343 E Main St, Cortez, CO 81321

Property Summary

Property Type	Bank, Financial Building
Details	3,508 sqft · built 1971
Lot Size	0.46 acres (20,038 sqft)
Owner	Company Name on Record
Tax Bill	$11,201 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R009985`

Property Details

APN / Parcel Number

Primary APN	`R009985`
Alternative APN	`561126403001`

Interior

Units	3 Units
Stories	1 Story
Building Area	3,508 sqft Total Area
Basement Area	1,984 sqft
Unfinished Basement	1,984 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Roof Type	Flat
Lot Area	20,038 sqft (0.46 acres)
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	R009985
Street Address	343 E MAIN ST
City	CORTEZ
State	CO
Zip	81321-3772
Property Category	Commercial
Property Type	Commercial > Office > Bank, Financial Building
Local Zoning Code	CBD
Legal Description	SUBDIVISION: FR COFFINS ADD LOT: 1-6 BLOCK: 11 B 363 P 123 B 580 P 241
Legal Subdivision	FR COFFINS ADD
Legal Block	11
Legal Lot Number	1-6
Jurisdiction	MONTEZUMA CO
Township / Civil Division	CORTEZ
Census Block Group	2
Census Block	2001
Census Tract	969400

Owner

Source: Montezuma County records, as of March 26, 2026

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

Owner of Record	Company Name on Record
Mailing Address	343 E MAIN ST, CORTEZ, CO 81321-3772
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2023
Deed Sale	Mar 3, 2023
Prior Sale	Aug 11, 2006 · Amount on Record
Deed Document Number	2023649803
Prior Transfer Date	Sep 22, 2009
Prior Transfer Doc	0000567911
Record Updated	Sep 20, 2026

March 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTEZUMA CO
Recording Date	Mar 3, 2023
Property Address	343 E MAIN ST, CORTEZ, CO 81321-3772
Document Number	0000649803
Map Reference	MB 6 PG 43
Instrument Date	Mar 3, 2023
Instrument	649803
Transaction Type	Transfer
Record Updated	May 23, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$65.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	925 S BROADWAY STE 286, 286, CORTEZ, CO 81321-4078

Mortgage

Document Number	0000649805
Date	Mar 3, 2023
Instrument	649805

Lender

Name	FOUR CORNERS COMMUNITY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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	$11,201.00 (+25.04%)	$199,249 (+30.66%) Land $84,258 Building $114,991	$687,067 (+30.66%) Land $290,545 Building $396,522
2024	$8,958.00 (+9.89%)	$152,492 (-5.4%) Land $61,015 Building $91,477	$525,832 (-5.4%) Land $210,395 Building $315,437
2023	$8,152.00 (+22.73%)	$161,192 (+34.41%) Land $61,015 Building $100,177	$555,832 (+34.41%) Land $210,395 Building $345,437
2022	$6,642.00	$119,929 Land $34,168 Building $85,761	$413,549 Land $117,821 Building $295,728

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

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 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 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.