Montezuma County property record for 417 S Madison St, Cortez, CO 81321
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,066 sqft · built 1946 |
| Lot Size | 0.163 acres (7,100 sqft) |
| Owner | Individual Name on File |
| Last Sale | $132,500 (Apr 2018) |
| Tax Bill | $936 (2025) |
| Deeds & Mortgages | Jun 2023 Second Mortgage May 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R010210 |
| Primary APN | R010210 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,066 sqft Total Area |
| Basement Area | 392 sqft |
| Finished Basement | 392 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,100 sqft (0.163 acres) |
| Garage Type | Carport |
| Garage Area | 410 sqft |
| Carport | Carport |
| Carport Area | 410 sqft |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Account Number | R010210 |
|---|---|
| Street Address | 417 S MADISON ST |
| City | CORTEZ |
| State | CO |
| Zip | 81321-3835 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | SUBDIVISION: FR COFFINS ADD LOT: 5-6 BLOCK: 27 B599 P833 B604 P538 |
| Legal Subdivision | FR COFFINS ADD |
| Legal Block | 27 |
| Legal Lot Number | 5-6 |
| Jurisdiction | MONTEZUMA CO |
| Township / Civil Division | CORTEZ |
| Census Block Group | 2 |
| Census Block | 2043 |
| Census Tract | 969400 |
417 S Madison St is owned and occupied by an individual who bought it in April 2018.
Source: Montezuma County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 417 S MADISON ST, CORTEZ, CO 81321-3835 |
| 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.
| Date | Document |
|---|---|
| Jun 1, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| May 10, 2022 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Aug 13, 2021 | Deed of Trust, Mortgage · Line of Credit LENDAGE LLC |
| Oct 6, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Apr 3, 2018 | Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 3, 2018 · Amount on File |
| Deed Sale | Apr 3, 2018 · Amount on File |
| Prior Sale | Aug 29, 2007 · Amount on File |
| Deed Document Number | 2018616451 |
| Prior Transfer Date | Dec 18, 2006 |
| Prior Transfer Doc | 0000545452 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Property Address | 417 S MADISON ST, CORTEZ, CO 81321-3835 |
| Transaction Type | Mortgage |
| Record Updated | Jun 15, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000651047 |
|---|---|
| Date | Jun 1, 2023 |
| Instrument | 651047 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | DOLORES, CO 81323 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Property Address | 417 S MADISON ST, CORTEZ, CO 81321-3835 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2022 |
| Name | Verified Name |
|---|---|
| Address | 417 S MADISON ST, CORTEZ, CO 81321-3835 |
| Document Number | 0000645074 |
|---|---|
| Date | May 10, 2022 |
| Instrument | 645074 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Property Address | 417 S MADISON ST, CORTEZ, CO 81321-3835 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2021 |
| Name | Verified Name |
|---|---|
| Address | 417 S MADISON ST, CORTEZ, CO 81321-3835 |
| Document Number | 639277 |
|---|---|
| Date | Aug 13, 2021 |
| Instrument | 639277 |
| Name | LENDAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Property Address | 417 S MADISON ST, CORTEZ, CO 81321-3835 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 632351 |
|---|---|
| Date | Oct 6, 2020 |
| Instrument | 632351 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 331 Months |
| Due | May 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Recording Date | Apr 3, 2018 |
| Property Address | 417 S MADISON ST, CORTEZ, CO 81321-3835 |
| Document Number | 0000616451 |
| Map Reference | MB6 PG43 |
| Instrument Date | Apr 3, 2018 |
| Instrument | 616451 |
| Transaction Type | Transfer |
| Record Updated | Apr 1, 2022 |
| Title Company | COLORADO TITLE AND CLOSING SERVICES, COLORADO TITLE & CLOSING SVC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $13.25 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | CORTEZ, CO 00000 |
| Name | Verified Name |
|---|---|
| Address | 417 S MADISON ST, CORTEZ, CO 81321-3835 |
| Document Number | 0000616452 |
|---|---|
| Date | Apr 3, 2018 |
| Instrument | 616452 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2048 |
The 2025 property tax bill for 417 S Madison St was $936, up 54.5% from the year before.
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 | $936.00 (+54.46%) | $18,551 (+57.04%) Land $1,469 Building $17,082 | $233,056 (+57.04%) Land $18,460 Building $214,596 |
| 2024 | $606.00 (+9.78%) | $11,813 (-27.04%) Land $1,806 Building $10,007 | $148,410 (-27.04%) Land $22,689 Building $125,721 |
| 2023 | $552.00 (-3.5%) | $16,191 (+36.92%) Land $2,475 Building $13,716 | $203,410 (+36.92%) Land $31,098 Building $172,312 |
| 2022 | $572.00 | $11,825 Land $1,130 Building $10,695 | $148,558 Land $14,200 Building $134,358 |
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.
FEMA maps place 417 S Madison St in Zone X, an area of minimal flood risk.
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 risk around 417 S Madison St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 79% of Colorado |
|---|---|
| Wildfire Likelihood | 0.03% 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 486 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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