Montezuma County property record for 420 S Beech St, Cortez, CO 81321
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,528 sqft · built 1910 |
| Lot Size | 0.163 acres (7,100 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $265,000 (Sep 2026) |
| Tax Bill | $875 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Apr 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R009833 |
| Primary APN | R009833 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,528 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Ranch |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 7,100 sqft (0.163 acres) |
| Total Buildings | 2 Buildings |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Account Number | R009833 |
|---|---|
| Street Address | 420 S BEECH ST |
| City | CORTEZ |
| State | CO |
| Zip | 81321-3828 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | SUBDIVISION: CHAMBERLINS ADDITION (THE) BLOCK: 66 LOT: 23 AND:- LOT: 24 B625 P949 B626 P659 B632 P995 R/465361 |
| Legal Subdivision | CHAMBERLINS ADDITION |
| Legal Block | 66 |
| Legal Lot Number | 23-24 |
| Jurisdiction | MONTEZUMA CO |
| Township / Civil Division | CORTEZ |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 969400 |
420 S Beech St is owned and occupied by two individuals who bought it in September 2026.
Source: Montezuma County records, as of September 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 420 S BEECH ST, CORTEZ, CO 81321-3828 |
| 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 |
|---|---|
| Sep 2, 2026 | Special Warranty Deed, Transfer · VA Mortgage HOME INC |
| Apr 3, 2020 | Special Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 2, 2026 · Amount on File |
| Deed Sale | Sep 2, 2026 · Amount on File |
| Prior Sale | Apr 3, 2020 · Amount on File |
| Deed Document Number | 2026668760 |
| Prior Transfer Date | Jan 3, 2025 |
| Prior Transfer Doc | 0000659610 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Recording Date | Sep 2, 2026 |
| Property Address | 420 S BEECH ST, CORTEZ, CO 81321-3828 |
| Document Number | 0000668760 |
| Instrument Date | Sep 2, 2026 |
| Instrument | 2026668760 |
| Transaction Type | Transfer |
| Record Updated | Sep 11, 2026 |
| Title Company | COLORADO TITLE AND CLOSING SERVICES, COLORADO TITLE & CLOSING SERVI |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,676.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 420 S BEECH ST, CORTEZ, CO 81321-3828 |
| Document Number | 0000668760, |
|---|---|
| Date | Sep 2, 2026 |
| Instrument | 2026668760 |
| Name | HOME INC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | MONTEZUMA CO |
| Recording Date | Apr 3, 2020 |
| Property Address | 420 S BEECH ST, CORTEZ, CO 81321-3828 |
| Document Number | 0000628745 |
| Map Reference | MB 3 PG 36 |
| Instrument Date | Mar 27, 2020 |
| Instrument | 628745 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2022 |
| Title Company | COLORADO TITLE AND CLOSING SERVICES, COLORADO TTL & CLOSING SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $13.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 420 S BEECH ST, CORTEZ, CO 81321-3828 |
| Document Number | 0000628746 |
|---|---|
| Date | Apr 3, 2020 |
| Instrument | 628746 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2050 |
The 2025 property tax bill for 420 S Beech St was $875, up 58.5% 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 | $875.00 (+58.51%) | $17,344 (+61.35%) Land $1,469 Building $15,875 | $217,897 (+61.36%) Land $18,460 Building $199,437 |
| 2024 | $552.00 (+9.96%) | $10,749 (-28.94%) Land $1,759 Building $8,990 | $135,037 (-28.94%) Land $22,098 Building $112,939 |
| 2023 | $502.00 (+2.24%) | $15,127 (+49.02%) Land $2,475 Building $12,652 | $190,037 (+49.01%) Land $31,098 Building $158,939 |
| 2022 | $491.00 | $10,151 Land $1,130 Building $9,021 | $127,531 Land $14,200 Building $113,331 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 420 S Beech 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 420 S Beech 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.
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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