401 S Valley Rd, Cortez, CO 81321 Property Records

Montezuma County property record for 401 S Valley Rd, Cortez, CO 81321

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,248 sqft · built 1959
Lot Size	0.189 acres (8,233 sqft)
Owner	Individual Name on Record
Last Sale	$242,000 (Jul 2024)
Tax Bill	$1,150 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Apr 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R010178`

Property Details

APN / Parcel Number

Primary APN	`R010178`
Alternative APN	`561126423001`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,248 sqft Total Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1963
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,233 sqft (0.189 acres)
Garage Area	754 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal

Location & Zoning

Account Number	R010178
Street Address	401 S VALLEY RD
City	CORTEZ
State	CO
Zip	81321-3939
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SUBDIVISION: MCBRIDE ADDITION LOT: 4 BLOCK: 5 B685 P284 B687 P625 B694 P305
Legal Subdivision	MCBRIDE ADDITION
Legal Block	5
Legal Lot Number	4
Jurisdiction	MONTEZUMA CO
Township / Civil Division	CORTEZ
Census Block Group	1
Census Block	1032
Census Tract	969400

Owner

Source: Montezuma County records, as of March 24, 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	401 S VALLEY RD, CORTEZ, CO 81321-3939
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage CORNERSTONE HOME LENDING INC
Apr 16, 2019	Special Warranty Deed, Transfer · Conventional Mortgage CORNERSTONE HOME LENDING INC
Dec 11, 2017	Warranty Deed, Transfer · Line of Credit THE DOLORES STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2024 · Amount on Record
Deed Sale	Jul 18, 2024 · Amount on Record
Prior Sale	Apr 16, 2019 · Amount on Record
Deed Document Number	2024657015
Prior Transfer Date	Jul 24, 2020
Prior Transfer Doc	0000630867
Record Updated	Jun 8, 2026

July 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTEZUMA CO
Recording Date	Jul 29, 2020
Property Address	401 S VALLEY RD, CORTEZ, CO 81321-3939
Document Number	0000630867
Map Reference	MB 7 PG 63
Instrument Date	Jul 24, 2020
Instrument	630867
Transaction Type	Transfer
Record Updated	Jul 26, 2022
Title Company	COLORADO TITLE AND CLOSING SERVICES, COLORADO TTL & CLOSING SVCS

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 S VALLEY RD, CORTEZ, CO 81321-3939

Mortgage

Document Number	0000630868
Date	Jul 29, 2020
Instrument	630868

Lender

Name	CORNERSTONE HOME LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

April 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	MONTEZUMA CO
Recording Date	Apr 16, 2019
Property Address	401 S VALLEY RD, CORTEZ, CO 81321-3939
Document Number	0000622344
Map Reference	MB 7 PG 63
Instrument Date	Apr 16, 2019
Instrument	622344
Transaction Type	Transfer
Record Updated	Jul 26, 2022
Title Company	COLORADO TTL & CLOSING SVCS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$15.14
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	401 S VALLEY RD, CORTEZ, CO 81321-3939

Mortgage

Document Number	0000622345
Date	Apr 16, 2019
Instrument	622345

Lender

Name	CORNERSTONE HOME LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

Mortgage

Document Number	0000622346
Date	Apr 16, 2019
Instrument	622346

Lender

Name	COLORADO HOUSING & FINANCE AUTHORITY
Type	Government Agency
Address	DENVER, CO 80202

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	349 Months
Due	May 1, 2048

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTEZUMA CO
Recording Date	Dec 11, 2017
Property Address	401 S VALLEY RD, CORTEZ, CO 81321-3939
Document Number	0000614762
Map Reference	MB15 PG55
Instrument Date	Dec 11, 2017
Instrument	614762
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	OLD REPUBLIC TITLE

Transaction

Amount	Amount Recorded
Tax	$5.50
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
Relationship	Joint Tenants
Address	401 S VALLEY RD, CORTEZ, CO 81321-3939

Mortgage

Document Number	0000614742
Date	Dec 11, 2017
Instrument	614742

Lender

Name	THE DOLORES STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 11, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$1,150.00 (+25.82%)	$22,795 (+28.17%) Land $1,707 Building $21,088	$286,379 (+28.17%) Land $21,450 Building $264,929
2024	$914.00 (+9.99%)	$17,785 (-19.75%) Land $2,308 Building $15,477	$223,429 (-19.75%) Land $28,997 Building $194,432
2023	$831.00 (+12.6%)	$22,163 (+45.25%) Land $2,876 Building $19,287	$278,429 (+45.24%) Land $36,135 Building $242,294
2022	$738.00	$15,259 Land $1,313 Building $13,946	$191,701 Land $16,500 Building $175,201

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

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	Not rated no burnable land within 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 175 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: Farmers Telecommunications.

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