Montezuma County property record for 423 S Elm St, Cortez, CO 81321
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 780 sqft · built 1951 |
| Lot Size | 0.163 acres (7,100 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $326 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | R009871 |
| Primary APN | R009871 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 780 sqft Total Area |
| Basement Area | 270 sqft |
| Unfinished Basement | 270 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| 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 Area | 384 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Sewer | Municipal |
| Account Number | R009871 |
|---|---|
| Street Address | 423 S ELM ST |
| City | CORTEZ |
| State | CO |
| Zip | 81321-3636 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | SUBDIVISION: CHAMBERLINS ADDITION LOT: 9-10 BLOCK: 70 B 388 P 179 B 395 P 290(JT) |
| Legal Subdivision | CHAMBERLINS ADDITION |
| Legal Block | 70 |
| Legal Lot Number | 9-10 |
| Jurisdiction | MONTEZUMA CO |
| Township / Civil Division | CORTEZ |
| Census Block Group | 3 |
| Census Block | 3040 |
| Census Tract | 969400 |
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 | 423 S ELM ST, CORTEZ, CO 81321-3636 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
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 | $326.00 (+73.4%) | $12,964 (+76.72%) Land $1,469 Building $11,495 | $162,871 (+76.72%) Land $18,460 Building $144,411 |
| 2024 | $188.00 (+9.94%) | $7,336 (-37.37%) Land $1,550 Building $5,786 | $92,161 (-37.37%) Land $19,475 Building $72,686 |
| 2023 | $171.00 (-8.06%) | $11,714 (+51.62%) Land $2,475 Building $9,239 | $147,161 (+51.61%) Land $31,098 Building $116,063 |
| 2022 | $186.00 | $7,726 Land $1,130 Building $6,596 | $97,068 Land $14,200 Building $82,868 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 67% of the US · lower than 84% of Colorado |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
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 353 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, T-Mobile.
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