439 E Main St, Cortez, CO 81321 Property Records

Montezuma County property record for 439 E Main St, Cortez, CO 81321 · Last verified August 2026

Property Summary

Property Type	Commercial
Details	3,945 sqft · built 2012
Lot Size	0.46 acres (20,038 sqft)
Owner	Company Name on File
Last Sale	$800,000 (Aug 2024)
Tax Bill	$11,486 (2025)
Deeds & Mortgages	Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R009977`

Property Details

APN / Parcel Number

Primary APN	`R009977`
Alternative APN	`561126402002`

Interior

Stories	1 Story
Building Area	3,945 sqft Total Area
Basement Area	990 sqft
Unfinished Basement	990 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Roof Type	Gable
Lot Area	20,038 sqft (0.46 acres)

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Municipal

Location & Zoning

Account Number	R009977
Street Address	439 E MAIN ST
City	CORTEZ
State	CO
Zip	81321-3318
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	SUBDIVISION: FR COFFINS ADD LOT: 3-7 BLOCK: 10 B 456 P 555 B 487 P 624 B 591 P 218 B 660 P 104
Legal Subdivision	FR COFFINS ADD
Legal Block	10
Legal Lot Number	3-7
Jurisdiction	MONTEZUMA CO
Township / Civil Division	CORTEZ
Census Block Group	2
Census Block	2000
Census Tract	969400

Owner

Source: Montezuma County records · APN R009977

Assessment roll updated March 24, 2026 · Last verified August 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 File
Mailing Address	PO BOX 1955, JAY, OK 74346-1955
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 01, 2024 · Amount on Record
Deed Sale	Aug 01, 2024 · Amount on Record
Prior Sale	Aug 01, 2024 · Amount on Record
Deed Document Number	2024657226
Record Updated	Sep 20, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTEZUMA CO
Property Address	439 E MAIN ST, CORTEZ, CO 81321-3318
Transaction Type	Mortgage
Record Updated	May 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000615427
Date	Jan 23, 2018
Instrument	615427

Lender

Name	ALPINE BANK
Type	Bank
Address	RIFLE, CO 81650

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	72 Months
Due	Jan 15, 2024

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Montezuma County records · Assessment roll updated March 24, 2026 · Last verified August 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,486.00 (+9.23%)	$204,312 (+14.14%) Land $70,777 Building $133,535	$704,523 (+14.14%) Land $244,058 Building $460,465
2024	$10,515.00 (+9.89%)	$179,002 (-4.64%) Land $61,015 Building $117,987	$617,246 (-4.64%) Land $210,395 Building $406,851
2023	$9,569.00 (+26.37%)	$187,702 (+37.29%) Land $61,015 Building $126,687	$647,246 (+37.29%) Land $210,395 Building $436,851
2022	$7,572.00	$136,717 Land $34,168 Building $102,549	$471,439 Land $117,821 Building $353,618

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Montezuma County (08083C), updated September 26, 2008 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.